ComplaintsforEagle Financial Services, Inc.

• Initial Complaint

  01/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Back in 2019 I received a loan from eagle loan. That loan was paid off in full. As of now, date being January 24th, 2023. My wife messages me while at work to tell me we both received a letter from eagle loan recovery stating that we owe 8,215.97. My question is how when loan and interest were paid off and on top of that, how was I able to get title back if I owed an outstanding balance? These are court papers we have gotten through the mail. Something needs to be done about them. Why wait four years to send this? It makes no sense because loan was paid in full!

  Business response

  01/24/2023

  Dear BBB:  As this account is in litigation, this is not the correct forum to discuss this matter. 

• Initial Complaint

  01/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Giving me more time to contact them without continuous threats. No need to keep threatening me. I literally just got this letter today when I got home from work. I work 9am-5 pm - 5:30pm They are closed on the weekends. Since we are having trouble getting ahold of one another. I would like for them to know .. I will be calling them Monday Jan 23rd. At 12pm. I will take time to call them. I get very busy at work. However they also need to know there is no reason to threaten me. At this point are they even willing to work with me or will they just badger me when I do call. They put my ******* on the letter. The corrected letter and this letter came days apart. But I only have 7 days to call them? Why only 7 days when it has been years??? So with me trying to contact them and seeing the times they are open on this new letter I got today 01/20/2023. I will call them on Monday. They say they have called if so my ****** is saying they are scam. Or possible scam. No number is provided if they have called. I apologize for this if they have tried to get thru. I want to settle this debt with a manageable payback.

  Business response

  01/23/2023

  This is a duplicate complaint. We answered this complaint on 01/10/2023 and have nothing further to add. 

• Initial Complaint

  01/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I borrowed $1000 from Eagle Loan Company. I do not remember the date or which one I borrowed from. I think it was ***********. I paid on the loan up until Covid hit. My hours got cut because clients / clients family did not want me or any other homehealth worker in their homes at that time. I contacted them in 2021 I believe. They said I owed $900 and something. I still lived at the same address when I applied for the loan up until March 31st of 2022. They had my address why didn’t they contact me sooner? When I did call them in 2021 they made out like it was no big deal and to call back when I was ready to make a payment plan on the $900 something that was left. Today ! 01/09/2023 I get the letter I uploaded. I owe 11,889.76?!! How! This does not make sense and I do not understand how I could owe that much? They should have contacted me way before now. They had my old address and could have contacted me before this letter. I want this amount changed back to the $900 something I originally owed. Not this incorrect crazy amount! I can work with $900 but almost $12,000 is a rip off and definitely not right. They should have sent a letter or called me to remind me of the loan before now. They should not be allowed to do this to me or anyone.

  Business response

  01/10/2023

  *** *********:  You are correct in that the balance in our letter was incorrect.  We apologize for our input error and are sending you a corrected letter.  This is not the correct forum to discuss the details of any account and we encourage you to call our Recovery Center at ###-###-#### and ask to speak to a manager.  They will be happy to work with you to resolve this matter.

  Customer response

  01/11/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 1*******, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ****** *********
  

• Initial Complaint

  11/30/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I had gotten a title loan from Eagle loan back in 2010 I borrowed $1000 , I did become faulty on my loan due mainly bc I was young and then became very I'll, now 10 years later my wages are being garnished saying I owe them $5000 , I have no problem at all paying back what I borrowed with interest of course but $4000 interest , so after all that they got their $5000 thinking I was done no no their attorney wants $1100 more , I am a single mother with 3 young children, and you people have been getting a quarter of every pay check for almost 3 years now , that's not enough, how do you people sleep at night

  Business response

  12/06/2022

  Dear *** *****:  After receiving your correspondence and considering your circumstances, we will consider your account as settled and we will reduce your account balance to $0.00.  We will notify your employer to stop any future garnishments from your future wages. 

  Customer response

  12/12/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,,

  Although I'm disgusted with the amount paid I just want  to be done with you people and put this behind me and let it be known to others to think twice before getting a loan from you, that's not how you run a business, if you have to suck people dry of every cent to keep your fraudulent business running is evil and karma is so so sweet and it's a mystery why your not supported by BBB and doing people like that you'll never be, and for the BBB thank you for doing what you do I greatly appreciate it 
  
  *** *****
  

• Initial Complaint

  09/23/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My husband and I had a loan through Eagle I can’t remember the exact date we got it as it was in 2013 or 2014. We had the insurance on the loan and didn’t owe a huge amount left. May 31, 2014 we were involved in a very bad motorcycle wreck which left us both unable to work for a very very extended amount of time. We took everything to Eagle so they could do whatever was needed for the insurance to pay them. Now yesterday 9/22/22 my husband received notice of garnishment for almost 4K which was way more than what we owed when the accident happened and have no idea why we still owe and he’s going to be garnished considering we paid for the insurance protection. I called the law firm who is doing the garnishment and they could not answer why nor would they even work with me on a payment negotiation. When they start garnishing his wages we won’t survive we won’t be able to eat or pay our bills. My husband supports me and my children as I am disabled.

  Business response

  09/26/2022

  After this customer complaint was posted and after receiving *** ********* authorization to discuss this matter with his wife, we discussed the matter with *** *******. We have resolved all matters, to *** ********* satisfaction.

• Initial Complaint

  09/06/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Bought a **** ***** **** ******** though * *** * auto and they sold my account to eagle finance and there saying I owe 2800 when I had the **** a year through * *** * and everytime i made a payment to * *** * auto they never lowered the balance owed on it when * *** * priced it to me for 2800 because of the problems it has

  Business response

  09/07/2022

  We received *** ********’ complaint about the balance due on his account.  This is not the correct forum to discuss this matter.  To discuss the details of his account, *** ******** is welcome to call our ********** branch office and ask to speak to the Branch Manager.  We would be happy to review the account in detail with *** ******** over the phone or he is welcome to set an appointment and meet with us in the office.

  Customer response

  09/07/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.

  to far for me to drive as I live in ********** *** ** and the **** has transmission problems and wouldn’t make it I can call you guys to see what we can work out but I think I’m getting taken avantage of by * *** * auto sales in ********* ** If we could navigate on the price I’d be willing to pay it off in small payments 
  
  

   

  
  Regards,
  
  ****** ********
  

  Business response

  09/09/2022

  Dear BBB:  We have answered the complaint and have nothing further to add.  This is not the correct forum to discuss the details of any account.  As we said earlier, *** ******** is welcome to call our ********** office to discuss the details of his account. 

  Customer response

  09/09/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ****** ********
  

• Initial Complaint

  09/02/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  There is a company that is claiming to be this one using the exact same name exact same area code logos etc. that if you try to file for a loan with them they will take your information and hack your account I did that last night and woke up in all of my money was going. So if you’re going to get a loan with his company I advise you to actually go inside and not do it online

  Business response

  09/06/2022

  This appears to be a complaint against some company involved in internet scams.  We make loans from brick and mortar offices and do not make loans over the internet.  Loan applicants should contact one of our local offices to apply.  Our local branch offices are listed on our website at eagle.com.  For someone who is a victim of internet fraud, we encourage them to contact their local police and to file a complaint at with FBI’s Internet Crime Complaint Center at https://www.ic3.gov/. 

  Customer response

  09/07/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***** *****
  

• Initial Complaint

  09/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Eagle finance in ******* ** has been deceiving me for years. They have told me that I can not withdraw my consent for ACH payments and that this was required to obtain the loan. I now know that this is a violation of federal law. This company also withdrawals said payments before the actual due date without prior consent. I believe this company should be investigated. They pack loans with services that not need, but make consumers believe they are required for the loan. They charge frivolous fees and flip loan over and over, to me they are predatory lending. I refinanced my loan in July. They always skip a month before the new payment is due. I wasn’t charged in August, as expected. In September two payments posted to my account. They refused to correct issue, and a woman by the name of Brooke M******, informed me again, that I could not revoke my authorization for ach payments, even in writing. Which is a lie.

  Business response

  09/06/2022

  We accept customer payments electronically, by one-time payment or by recurring payments made monthly on the due date.  Customers may elect to have their electronic payments made by either and ACH payment or through an automatic payment on their debit card.  We also accept payments  by cash, check, or money order.  Customers may stop electronic payments at any time, and may switch between payment options at any time.  We are have discussed this matter with *** ****** and we are refunding a payment to her and removing her account from the electronic payment program.  She may make future loan payments by cash, check or money order.    

• Initial Complaint

  07/18/2022

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  This account is inaccurate under 15 U.S.C. 1692g validation of debt. EAGLE LOAN OF OHIO has been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code § 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, ****** v. ***** ***** ****., No. 95-6445 (C.D.Cal. Nov. 14,1995), EAGLE LOAN OF OHIO may be liable for your willful non-compliance. Also, in ****** v. ******* Information Services LLC (D. Ariz. 2018), EAGLE LOAN OF OHIO may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Under 15 U.S. Code § 1681d - Disclosure of investigative consumer reports; you are in violation. I have attached the definition so you can see the violation! (a)Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless— (1)it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure (A) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.

• Initial Complaint

  07/13/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with **********, *******, and ********. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on hisher credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 1. EAGLELOAN bal. $$2,652.00 Acct #**********

  Business response

  07/19/2022

  If *** ****** believes she is a victim of identify theft, we suggest that she notify the Federal Trade Commission through their one-stop portal at https://www.identitytheft.gov/#/.  If *** ****** feels that information is incorrect in her credit report, she can dispute that information direct to ******* by following this link:  https://www.*******.com/personal/credit-report-services/credit-dispute/.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩