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Business Profile

Payment Processing Services

Ensurety Finance Services LLC

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 65 total complaints in the last 3 years.
  • 24 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:04/07/2025

    Type:Customer Service Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was convinced to sign up for some sort of vehicle insurance policy, but I did not realize what I was signing up for. This was unsolicited and in my confusion I was taken advantage of.I am not even sure what company I need to contact to get this cancelled. My credit card is charged each month since November but I cannot dispute the charge unless I attempt to cancel first. But I am not sure where to begin. I paid the first ****** then went to ** as a snow bird, never got any more info on the contract, but monthly 179 has been taken,

    Business Response

    Date: 04/08/2025

    Thank you for bringing this matter to our attention.
    Please note that EFS Companies LLC is the billing company responsible for processing the recurring monthly payments associated with the vehicle service contract purchased by ******** **** for a 2020 Ram 2500. These payments began on December 21, 2024.
    However, any questions regarding the service contract itselfincluding coverage details, cancellations, or refund requestsmust be directed to the company that sold the policy: Direct Vehicle Protection.
    To speak with a representative regarding the service contract, please contact Direct Vehicle Protection at ************. When calling, reference contract number DVPMC63074 to ensure faster assistance.
    We hope this clarifies the roles of each party involved. Please dont hesitate to reach out to us if you have further billing-related questions. EFS Companies can be reached at ************ 8 am.- 5 pm CST Monday-Friday.

  • Initial Complaint

    Date:04/07/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    04/07/2025 at 2:11 AM woke up to a notification that this transaction was pulled from my account. I have no idea who this company is and had started a dispute with my bank to refund me the money I have not talked to anyone at this company or agreed to this transaction at all i need them to refund the money as this is part of my rent

    Customer Answer

    Date: 04/08/2025

    This error had been fixed it was a miscommunication between me and my husband he had done this prior to this transaction 

    Business Response

    Date: 04/17/2025

    On March 11, 2025, Mr. ******* ***** purchased a *************** Contract for a 2015 **** Q7 from Empire Auto Protect. EFS Companies LLC is the billing company responsible for processing the recurring monthly installments, which are due on the 7th of each month.
    Please note that any inquiries regarding coverage details,service terms, or contract specifics must be directed to the seller, *********** Protect. They can be reached at ************, referencing contract number EMPMC51895.

    Upon review of our records, it appears this complaint may have been submitted in error, following an additional message on this board from the consumer stating:
    "This error had been fixed; it was a miscommunication between me and my husband he had completed this prior to this transaction."

    If the customer has any billing-related questions or concerns, please contact EFS Companies LLC directly at ************,Monday through Friday, 8:00 AM to 5:00 PM Central Time.
    We appreciate the opportunity to address this matter and clarify any confusion.

  • Initial Complaint

    Date:04/06/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was dealing with Auto Refi Protect to lower the monthly amount of my car payment. Nothing was ever finalized with them, I did not refinance my car, and even though I made numerous calls to speak with someone about the issue I could never make contact with anyone. Whenever I called the phone would ring once and the call would be dropped. Evidently Auto-Pro sent my information to Ensurety Finance Services LLC to provide service for my vehicle even though the refinance was not completed with Auto Pro. To date I have had three charges (1-10-25; 2-10-25 and 3-10-25) on my credit card of $133.67 for a total of $401.01. I would assume another charge on my account is scheduled for the 10th of this month. I would like this account closed and the full amount of $401.01 refunded to me as well an any future charges completely cancelled.

    Business Response

    Date: 04/16/2025

    We appreciate the opportunity to respond and provide clarification.
    EFS Companies LLC is the billing company responsible for processing the monthly payments associated with a vehicle service contract for a 2022 Buick Envision. Based on our records, three monthly payments of $133.67 were collected under this policy, totaling $401.01.
    Please be advised that on April 7, 2025, the policy was cancelled and a full refund of the $401.01 was issued by the provider of the service contract, ****************************, after speaking with Ms. *********** EFS Companies is solely responsible for billing, we do not manage or administer the terms of the vehicle service contract itself. Any questions related to the policysuch as how the policy was initiated, coverage details, or additional concernsshould be directed to **************************** at ************. When contacting them, please reference your contract number: AMRMC55927.
    If you have further questions regarding the billing, our team at EFS Companies LLC is happy to assist. We can be reached at ************, Monday through Friday, from 8:00 AM to 5:00 PM CST.
    We hope this provides clarity and a satisfactory resolution to your concerns.

    Attached, is a copy of the refunds for all installments previously collected.


  • Initial Complaint

    Date:03/12/2025

    Type:Order Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was convinced to sign up for some sort of vehicle insurance policy, but I did not realize what I was signing up for. This was unsolicited and in my confusion I was taken advantage of.I am not even sure what company I need to contact to get this cancelled. My husband's credit card is charged each month since October but I cannot dispute the charge unless I attempt to cancel first. But I am not sure where to begin.

    Business Response

    Date: 03/20/2025

    ************************* a billing company. We process payments for both home warranties and vehicle service contracts.  We do not sell, nor cancel policies.
    Our records indicate that on August 28, 2024, a vehicle service contract was purchased for a 2017 ****** Sentra from Direct Vehicle Protection, a company selling policies on behalf of ***************.  At the time of the sale, recurring monthly installments were set to draft against Ms. ********* account on the 28th of every month, starting 9/28/2024.  EFS Companies LLC. was responsible for processing the monthly charges for this coverage.  
    To assist, I notified Direct Vehicle Protection of your concerns and requested that someone contact you immediately for a resolution. Direct Vehicle Protection advised that a refund of all monthly installments was approved. The down payment collected, of $179.00 was refunded on 3/12/2025 and 6 monthly installments of $179.00 each, were approved on 3/18/2025 (A copy of the refund receipt attached).  If you prefer, you may contact Direct Vehicle Protection customer service at ************ and reference contract DVPMC60797. They will be able to assist you with any further questions that you may have. I hope you find this to be a satisfactory solution. 
    Please reach out to us with any additional questions or concerns that you may have in the meantime, at ************ Monday thru Friday 8-5 PM CT. 

    Customer Answer

    Date: 03/20/2025

    Better Business Bureau:

    I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
     
    Sincerely,

    ****** *******

  • Initial Complaint

    Date:02/23/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    On 10/16/24, a recurring $276.94 charge was initiated by someone posing as an auto-repayment company (EFS), stating our vehicle would be repossessed due to a change in our payment policy (handled through ******). The call was initiated by me at the instruction of a piece of urgent mail, recieved on the day of the initial transaction. There is no way this alleged company is providing any coverage or care or service for us as we have confirmed uninterrupted service with all other providers. Upon recognizing the fraudulent nature of the charges, we have sought refund to no avail.

    Business Response

    Date: 03/06/2025

    I do apologize for the confusion, however ************************* a billing company that processes payments for both home warranties and vehicle service contracts.  We do not sell, nor cancel contracts.
    Our records indicate that on September 24, 2024, a vehicle service contract was purchased for your 2017 ****** Maxima, from ******************, a company selling policies on behalf of ***************. At the time of the sale,recurring monthly installments were set to process against account 6065 on the 15th of every month, starting 10/15/2024.  EFS Companies LLC. was responsible for processing the monthly charges for this coverage.  
    To assist, I notified Car Pro Protection of your concerns and requested that someone contact you immediately for resolution. Car Pro Protection advised they attempted to contact ************ and ************, leaving a voicemail. Additionally, an email was sent to ************************* attempting to resolve any concerns or questions.  If you prefer, you may contact Car Pro Protection at ************ and reference contract CPPMC500350.  They will be able to assist you further. 
    Attached, you will find a copy of the service contract purchased, originally sent 1st class mail. Tracking: **********************

  • Initial Complaint

    Date:02/01/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This unscrupulous company has preyed on my finances, offering my mentally disabled husband a scam car repair service and using my credit card after cancellation to continue to steal and no services ever rendered!!

    Business Response

    Date: 02/21/2025

    EFS Companies LLC. is a billing company.  We do not sell, nor cancel contracts.
    Ms. *****, our records indicate that on August 18, 2023, a vehicle service contract was purchased for your 2017 **** Fusion from ***********************  ************ sells policies on behalf of ***************. At the time of the sale, a down payment of $187.00 was collected directly by Vanguard Vehicle Armor.  Recurring monthly installments were set to process against your account on the 18th of every month, starting September 2023.  EFS Companies LLC. was responsible for processing the monthly charges for this coverage.
    To assist, I notified Vanguard Vehicle Armor of your concerns and requested that someone contact you immediately for resolution-after receiving an email from you regarding your concerns on February 3, ********************* advised that the **************** Manager was able to speak with you on February ****** and collected the final installment of the coverage- making your contract complete with no additional payments due.  They also reported that you were able to locate the policy booklet and review the information, resolving any concerns that you may have had. On February 4, 2024, we received a follow up email from ******************* confirming that the issue had since been resolved.
    You may contact ********************** customer service at ************ and reference contract VVART61676.  They will be able to assist you with any additional questions that you may have. I hope you still find this resolution satisfactory.  Please let us know if you have any additional concerns or questions at ************, Monday through Friday 8-5 C.T.

  • Initial Complaint

    Date:11/27/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    *** omega fraudulent charge against my account in the amount of *****

    Business Response

    Date: 12/16/2024

    I apologize for the delay for this response, however EFS Companies LLC. is a billing company.  We do not sell, nor cancel contracts. ******************* has attempted to contact you several times since the filing of this claim, however, were unsuccessful. 

    Ms. ****, our records indicate that on September 27, 2024, a vehicle service contract was purchased for your 2004 ********** from ********************  ************ sells policies on behalf of ***************. At the time of the sale, a down payment of $195.00 was collected directly by Empire Auto Protect.  Recurring monthly installments were set to process against your account on the 1st of every month, starting October 2024.  EFS Companies LLC. was responsible for processing the monthly charges for this coverage.

    I did notify Empire Auto Protect of your concerns and requested that someone contact you immediately for resolution. *********** attempted to reach out to you on December ****** and again on December 16,2024.  They advised they were unable to speak with you or to leave a message.  After several failed attempts, Empire Auto Protect refunded the November installment and cancelled your policy (A copy of the refund receipt attached). 

    You may contact Empire Auto Protect customer service at ************ and reference contract EMPRT53811.  They will be able to assist you with any additional questions that you may have. I hope you find this resolution satisfactory.
    Please note- EFS Companies LLC. has no record of Ms. **** contacting our office prior to this complaint.


  • Initial Complaint

    Date:10/25/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    It's very apparent that I have fallen prey to one of these "(Auto Refinance SCAMS)" I was solicited from a company known originally as ************************************** by a ******* Vanpieere, and was told that I stand a good chance I would have my vehicle payment lowered. Ok great, anyone would be satisfied with that information. I initially paid $49 On Sep. 26th on my credit card to get my vehicle certified or some misleading information to get my business. On Oct. 25, I've received some recurring charge of $150 monthly, getting billed from some company named ("Ensurety Finance Services, LLC) for some vehicle warranty, I certainly didn't ask for. When I initially contacted them to ask what's this was about, immediately they said "We are payment processing company, you need to contact whoever issued the contract. I spoke to someone named (Bree) ****** she refused to let me speak to a manager or supervisor, provide an operator ID number, and just transferred me to the unknown numbers. I made many attempts to contact the (**********************), I couldn't get anyone on the phone, no customer service support, the lines kept ringing, unable to connect with anyone or leave a message.Clearly this is a well developed SCAM, in the misleading information in the contract, they threaten you with a 5% penalty, if you stop or cancel the card for the recurring charges, and ************** purpose for this complaint is to recoup the $200 that was clearly taken from me fraudulently, and make others aware of this SCAM. important numbers for this complaint:Ensurety: *********** ****************************: ************ My purpose for the complaint is to be refunded

    Business Response

    Date: 11/04/2024

    I do apologize for the trouble that you've recently experienced, however EFS Companies LLC. is a billing company.  We do not sell, nor cancel contracts.
    Our records indicate that on September 26, 2024, a vehicle service contract was purchased from ****************************, a company selling policies on behalf of ***************. At the time of the sale, a down payment would have been collected directly by *****************************  Recurring monthly installments were set to process against **** account '2009 on the 25th of every month, starting 10/25/2024.  EFS Companies LLC. was responsible for processing the monthly charges for this coverage.
    I am reflecting that the October installment of $148.75 had been previously refunded back to your account and policy cancelled, on October ******* (A copy of the refund receipt attached).  If you have any additional questions, you may contact customer service at ************ and reference contract AMRMC54255.  They will be able to assist you with any questions that you may have.
    Please reach out to us with any additional questions or concerns that you may have in the meantime, at ************.
    I hope you consider this resolution satisfactory.

  • Initial Complaint

    Date:10/21/2024

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I received bright yellow card with urgent printed on it. I thought it was from the dealership where I bought my car. I paid $223.00 for a warranty. It turns out its an outside company and will deduct that amount out of my account each month. I called to cancel and the price kept going down. It went as low as *****. The way they go about their business is dishonest.

    Business Response

    Date: 10/23/2024

    Ms. ********************************* is a billing company.  We do not sell, nor cancel contracts.
    Our records indicate that on October 15, 2024, you purchased a vehicle service contract from Vehicle Repair Services, a company selling policies on behalf of ***************. At the time of the sale, a down payment of $250.00 was collected directly by Vehicle Repair Services.  Recurring monthly installments were set to process against your account on the 15th of every month, starting 11/15/2024.  EFS Companies LLC. would have been responsible for processing the monthly charges for this coverage.  I am not reflecting however, that our company has processed/attempted to process any monthly payments.
    To assist, I notified Vehicle Repair Services of your concerns and requested that someone contact you immediately for resolution. The seller advised that a refund of the down payment was processed back to you on 10/21/2024, after speaking with you.  The policy was also cancelled on 10/21/2024. 
    You may contact Vehicle Repair Services' customer service at ************ and reference contract VRSMC22466.  They will be able to assist you with any further questions that you may have. I hope you find this resolution satisfactory.
    Please reach out to us with any additional questions or concerns that you may have in the meantime, at ************.

  • Initial Complaint

    Date:09/30/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have 4 charges on my bank account from a company called EFS Companies LLC. ****** each time. I left message for company and emailed. I don't know who this is and i have not purchased any type of warranty.

    Business Response

    Date: 10/04/2024

    EFS Companies LLC. is a billing company, that processes payments for both home warranties and vehicle service contracts.  We do not sell, nor cancel contracts.
    Our records indicate that on February 28, 2023, you purchased a home service contract for address 910 N. College Ave. Salem, IN. 47167 from Sprout Coverage, a company selling policies on behalf of Omega Home Care. At the time of the sale, recurring monthly installments were set to process against your Visa account ending in '8287 on the 30th of every month, starting 3/30/2023.  EFS Companies LLC. was responsible for processing the monthly charges for this coverage.  
    To assist, I have notified Sprout of your concerns and requested that someone contact you immediately for resolution. Additionally, the September 2024 installment has been refunded back to you (A copy of the refund receipt attached).  Any discussion regarding a refund for past installments, would need to be discussed with Sprout. You may contact Sprout customer service at 888-720-6135 from 7-3:30 PST and reference contract SPCH51719.  They will be able to assist you with any questions that you may have about the coverage.  I am reflecting the policy was cancelled for you, on 9/30/2024. I hope you find this to be a satisfactory solution. 
    Please reach out to us with any additional questions or concerns that you may have in the meantime, at 844-242-2633 Monday thru Friday 8-5 PM CT. 

Ensurety Finance Services LLC is NOT a BBB Accredited Business.

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