Business Profile

Financial Services

Skopos Financial, LLC

Complaints

This profile includes complaints for Skopos Financial, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

35 total complaints in the last 3 years.
9 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.

Initial Complaint
Date:12/28/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 June 17, 2024, I responded to an email from Reprise Financial with an offer for a personal loan. On this date an offer was made for a personal loan, and I was not aware of the fact that that the loan was going to change from a personal loan to an automobile title loan. It was not my understanding that I was being misled by the representative. Shortly after speaking with the representative, they wanted pictures of my car and insurance information and odometer. I asked them why they need all that information when this is supposed to be a personal loan.I kept telling the representative to let me think about this personal loan and I will get back with them. They pursued me on my email and text messages. During this particular time frame, I as off my mental health medications for 4 months and I was not thinking clearly nor able to enter into a binding agreement with no one. They pursued me so much that I let my cousin start talking to them on my behalf because they were giving me anxiety and stressing me out. I was not in the right state of mind to deal with them but they insisted that I send them my original title to prove that the information on the credit report was wrong by showing I owed a balance on my car when I had paid it off in March 2024 and I had no lien, it was released by ****************There have been 3 contracts during this process of me trying to get my title back. I first off, was not legally capacitated to sign any contract not give any Power of Attorney to any one because I was not mentally stable. This company has given me nothing but stress and anxiety. I suffer from severe mental health diagnoses and being without medication for almost 4 months didn't stop them from pursuing me in making this loan.I wish to have this contract null and void under the laws that state during a mental health crisis and is not stable with medication not be bound by a contract because they are suffering in duress. I wish to have mediation and or arbitration.
Business Response
Date: 01/02/2025
The business acknowledges this complaint and will provide a response.
Customer Answer
Date: 01/03/2025
I am rejecting this response because: I have been trying to get this business to correspond with me in a professional manner but they continually stall. I would like a mediation or arbitration with this company concerning their fraud and deceptive business practices.
Customer Answer
Date: 01/05/2025
The company has failed to acknowledge that I would like to take my complaint to arbitration to have a meeting to give an unbiased outcome of this complaint.
I want a arbitration and they're hiding behind the facts that they're practicing deceptive business practices and stole my title by doing so while I was under duress.
What else can I do? They committed identity theft and fraud. I haven't agreed nor given my signature for them to steal my title to my vehicle.
Please help me deal with this business. In their response to this complaint they failed to address my name properly. I've tried to do all i know how to do. I think that an arbitration is the best resolution to our problem.
Thank you,
***** Johnson
Business Response
Date: 01/29/2025
Please be advised, Reprise has received the correspondence from *** and will manage through that forum.
Customer Answer
Date: 01/30/2025
I am rejecting this response because: the company keeps delaying this matter and I am ready for arbitration to get a resolution to this complaint. It seems like they don't want to get a resolution to the situation with this matter.
I would like an arbitration with this company and get a resolution.
Initial Complaint
Date:12/05/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
In April of 2022 my car was stolen and unrecovered. At the time the balance due was $17611.58. The ************* made a payment of $******** in May 0f 2022. Dec 4th, 2024, I received a notice from Skopos saying the explanation of calculation of surplus or deficiency. In this letter they stated that they disposed of the car in a sale on 4/12/22 in which made ********. and that I have i now have a balance of ******* owed. ****** for late fees ***** for return check and ****** for retaking and selling the vehicle. I called on Dec 4th and spoke to a *** and she was rude because I asked how can you charge me ****** for a car you didn't sell can you produce a document stating the amount was paid by insurance. When I asked to speak to a supervisor she hung up. I called back 3 occasions and all three times i was on hold for 10 mins with the phone saying you have 0 callers ahead of you. Today 12/5 I called back and spoke to ******** and stated that the ****** comes from them sending someone to look for the stolen car. He also mentioned that aside from the ******** the insurance payed out, that the **************** sent thema check in June 2022 for ****** for prorated payments. Leaving the toatal payout to the at ******** He couldn't help me either with why did I owe and what I owed. Upon reviewing my credit ***ort Skopos has classified this as a charge off on my credit ***ort. They also ***orted that I missed payments in June-October of 2022, made payments Nov 2022-April 2023, missed payments May and ***** Made payments July- September, Missed payments october, Made payment december, Missed Payments Jan-october 2024 and Nov a charge off. I am trying to figure out why do I owe *******. Why was this account now being closed as a charge off in Nov 2022 when they were paid in 2022?Why were they ***orting to the credit agencies of non payment and payments when they were already paid?Why did they state they sold the car?
Business Response
Date: 12/06/2024
12/6/24 The business acknowledged this complaint and will respond
Customer Answer
Date: 12/09/2024
I am rejecting this response because: respones does not offer a solution. It is an act of acknowledgememt and a request for more time.
Business Response
Date: 01/28/2025
Please see attached for a response from the business
Business Response
Date: 01/29/2025
The business has responded
Customer Answer
Date: 01/29/2025
I am rejecting this response because: I do not see a resolution being offered. The letter from ***** ******* at Reprise Financial does not clarify the companys involvement or address my concern. While it states that the issue has been addressed, I do not see any specific resolution provided. Please provide a clear explanation of how my concern has been resolved or the next steps to ensure it is properly addressed.
Customer Answer
Date: 02/06/2025
I am rejecting this response because: I appreciate your response and the breakdown of the charges. However, I still dispute the accuracy of the credit reporting and seek further clarification on the following points:

1. Charge-Off and Credit Reporting:

You state that my account was classified as a charge-off for accounting purposes. However, my insurance company and warranty cancellation significantly reduced the balance. The principal balance was only $46.70 as of June 2023.

Given this, why is my credit report reflecting multiple missed payments and a charge-off instead of reflecting the partial satisfaction of the debt through insurance payments?

2. Outstanding Fees and Charges:

Your response includes interest, late fees, and *** charges that appear to have accumulated after the total loss determination in April 2022. However, my understanding is that once the vehicle was deemed a total loss and the insurance paid the settlement, those additional fees should not have continued to accrue.

Please provide a detailed statement of the loan history, including all charges and payments, showing how the current balance was calculated.

3. Deficiency Balance Discrepancy:

Your December 4, 2024, statement indicated that the vehicle was "sold" for $16,570, while your latest response confirms that Skopos never repossessed or sold the vehicle. This contradiction raises concerns about the accuracy of my account history.

If no sale occurred, how was the deficiency balance originally calculated?

4. Request for ************************:

Based on the provided information, I request a formal review of the credit reporting on this account. If errors are found, I expect Skopos Financial to correct my credit report to reflect the accurate payment and charge-off status.

Business Response
Date: 03/05/2025
The business has no additional response
Business Response
Date: 03/20/2025
Hi Hannah,

We provided a response to this twice.

Is anything else necessary?

Thanks,
****
Initial Complaint
Date:10/01/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 would like to pay off the balance which originally was ******* and keep the truck. My husband died and they have not been cooperative at all for me to pay the 3 payments that were left on the vehicle to keep it. I have paid for that ****** since 2017 and 3 payments left he died and now they just want to take the truck. The truck isnt even running the transmission went out while my husband was undergoing chemo and radiaition. I have made several attempts to contact them. I have sent them all the documentation that they requested and they wont talk to me but want to repossess the truck. This is totally deceptive business practices. I have called them and attempted to pay the balance back in March before my husband died. And several times since. I have sent letters emails and called. I have documented each time I called and with whom I spoke I can provide you with all the emails that I have sent them and have not gotten a response. This business has no good intentions for their consumers. They were aware my husband was dying because he told them. And sent medical documentation verifying that including his dr.s contact info at *********************************. Its bad enough I lost my husband I am trying to keep his truck. He loved that truck and we have over paid for the truck anyway. This company uses deceptive business practices and someone needs to look into how thye operate their company
Customer Answer
Date: 10/01/2024
Also in addition the truck should be taken out of repo status so that I can pay and retain the vehicle
Business Response
Date: 10/10/2024
The business has acknowledged this complaint 10/10/24 KB
Business Response
Date: 10/29/2024
The business has responded 10/29/2024
Initial Complaint
Date:09/04/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 was a joint account my husband and i purchased a vehicle from skopos. nov 2020 we voluntarily surrendered the vehicle. Dec 2020-may 2022 charged off June 2022 - april 2024 90 days late May 2024 repossession June 2024 charged off Please tell me how we voluntarily surrendered the vehicle in 2020 and we still Have these charges on our credit of four years! I have disputed multiple times and it just keeps going to the next month for repossession.We have called skopos, and the main lady that does the reporting was so very rude to me and told my husband and i that it wouldnt change anything. I understand that we have a car for surrender but they are falsely reporting payment history and its affecting our credit! We just want this fixed on our credit payment history and stated that the account has been charged off from 2020 and forward. There should be no payment history beyond nov of 2020.
Business Response
Date: 09/09/2024
acknowledged 9/9/2024
Business Response
Date: 09/20/2024
PLEASE PROVIDE EXTENSION UNTIL 9/27/24
Initial Complaint
Date:08/05/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
Contact information provided on website. ******************************************************************************* P.O. *************************** Skopos Financial, LLC BOX ****** *********************************************** ************** ***************************** On June 13, 2024, I made the final payment for my vehicle to Skopos Financial; following the advice of a customer service representative to ensure accuracy. Despite settling my payment in full, I have yet to receive a receipt of payment or the title for my vehicle. On July 8, 2024, I contacted the dealership and was informed by another representative that there was a $7 balance on my account. I promptly disputed this charge, and the representative assured me that a note would be made on my account and that my request would be escalated. Since then, I have received no further communication. I have made numerous attempts to contact the dealership by phone and email, but all efforts have been unsuccessful. The phone representatives are unable to access my account using my account number or social security number, and my calls are subsequently disconnected. My emails to the provided address (*****************************) have gone unanswered. I have paid over $25,000 for this vehicle and find it unacceptable that I have not received the title, nor any confirmation of the final payment. This situation has caused significant inconvenience and frustration, and I believe the dealership is neglecting its obligations to its customers. I checked my credit report today and it is showing Skopos Financial has closed my account. All I want is the Title to my vehicle and:1. Immediate written confirmation that my vehicle has been paid in full and that no outstanding balance remains.2. Receipt of the title for my vehicle without further delay.3. An explanation and resolution of the $7 charge that was erroneously placed on my account.4. Improved customer service to address this issue and prevent similar occurrences in the future.
Business Response
Date: 08/23/2024
acknowledged
Business Response
Date: 08/30/2024
Please provide an extension until 9/6/24
Business Response
Date: 09/05/2024
Final response
Initial Complaint
Date:07/04/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 lender openly ignores the *** and the ***** of 1973. This has been the case since we entered into business with each other. In the call logs, the date is listed, however they made 3-4 attempts for each day.
Business Response
Date: 07/08/2024
acknowledged
Business Response
Date: 07/12/2024
Please see attached
Business Response
Date: 07/18/2024
Final Response
Initial Complaint
Date:05/28/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ACCT #: ****** BAL. $16,741.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Business Response
Date: 06/25/2024
acknowledged complaint 6.25.24

Business Response
Date: 06/26/2024
acknowledged complaint 6.25.24 (please see attached)
Initial Complaint
Date:04/03/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
Description of complaint:To Whom It May ******* at Experian, I am writing to urgently address a critical matter regarding inaccurate information on my credit report. The incorrect reporting has had significant negative consequences on my reputation, financial well-being, and ability to secure credit for personal and housing needs. I am citing specific laws (15 U.S. Code 1681s-2) and *** guidelines pertaining to reporting canceled debt. As mandated by law, those responsible for furnishing information to consumer reporting agencies are obligated to ensure its accuracy. The information you have reported is unquestionably inaccurate, causing real harm to both me and my family. The *** guidelines explicitly state that canceled debt should be categorized as income, not as a debt on a consumer report. This definition, acknowiedged by the ***, contradicts the current way this account is being reported. As stipulated by law (15 U.S. Code .1681s-2), it is your duty to halt the provision of incorrect information to consumer reporting agencies upon being notified of inaccuracies. This communication serves as the required notice, highlighting the inaccurate information that is currently being reported. I kindly request the necessary documentation, specifically Form 1099-C, which should have been issued when this debt was classified as canceled. Kindly forward this documentation to the address provided below. Please understand that continuing to report this inaccurate information violates the law and your responsibility as an information provider. Swiftly addressing this matter and rectitying the reported information are of utmost importance. I respectfully ask for a resolution within the next 10 calendar days. I hope we can work collaboratively to swiftly resolve this issue and prevent any further complications. Thank you for your immediate attention. Sincerely, ************************************************************************) (Email Address: *************************
Business Response
Date: 05/01/2024
Response and supporting documents attached
Initial Complaint
Date:03/30/2024
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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.
First and foremost, I want to thank the agent that helped me out last month when my problems were at their worst. She was very professional, reassured me that everything would be ok. She really helped keep me calm. I cannot remember her name now, but she was a guardian ***** indeed. Now to the issue at hand. Over the last few months I've had to have the 2017 Kia ******** repaired not once, but twice, costing me about ******* dollars each. I called them each and every time and tried my best to stay as current as possible, and keep up with my end of the responsibility of communicating with them. Most recently, I made two payments in the amount of $220.00 and $250.00 respectively to keep the account as close to current as I could. A few days ago I got two separate letters, one a NOTICE OF DEFAULT AND REQUIREMENT OF STRICT COMPLIANCE a CO-SIGNERS NOTICE OF RIGHT TO CURE, the second of which was addressed to my spouse. Str*****y dated for 3/20 and I didn't get either til 3/29, leaving me little time to act. Both had different amounts on them and stated two different actions if I didn't do anything, which is what prompted me to call and make the $250.00 payment and let them know of my intentions. The agent I spoke too asked me what the letters said and told me they were automatically generated, to disregard them, and that as long as I was calling them and trying to make arrangements they'd always work with me. But why send me two different letters with two different verbiage????I am trying my best despite my financial challenges the last few months to keep up, and I've kept up with my end of communicating. I have an autistic child that requires transportation to day care daily and need to hold on to the car and not risk repossession. They say I'm out of extensions, but sometimes emergencies just happen and more often to some people. I'd love if they can work out a break for me and my family, but they seem unwilling to with these letters.
Business Response
Date: 04/12/2024
We are unable to locate an account for this complaint in our system with the information provided. Please provide an account number for further investigation.
Customer Answer
Date: 04/12/2024

account number # ***********
Business Response
Date: 04/18/2024
Please see attached response.
Customer Answer
Date: 04/22/2024
What steps can we take then to make this work? I want to stay on track I just need some assistance getting some breathing room.
Business Response
Date: 05/22/2024
please provide the additional information that the customer provided
Business Response
Date: 06/13/2024
Please contact our Collections Department at ************** to discuss payment arrangements that are available
Business Response
Date: 07/01/2024
Please contact our Collections Department at ************** to discuss payment arrangements that are available
Customer Answer
Date: 07/02/2024
I have reviewed the business response and accept this resolution.
Initial Complaint
Date:12/31/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
Company not complying with FCRA multiple violations of 15 USC ****
Business Response
Date: 01/18/2024
Dear ******************,

Thank you for contacting Skopos Financial, LLC. We are sorry your experience with our company has not met your expectations. Customer satisfaction is our top priority.
In your Better Business Bureau (BBB) complaint, you state Skopos Financial is not complying with FCRA 15 USC ****.
We have researched your account and have determined we are reporting true and accurate information based on the payment history and contractual agreement signed on 02/27/2020.
Skopos Financial, LLC purchased a Retail Installment Contract (RIC) dated 02/27/2020 from ****************** ******* in the amount of *********, secured by a 2015 Audi A5.
A total of 16 payments have been completed on the loan.
Your account became delinquent on 02/07/2022.
Your account charged off for non-payment on 06/01/2022.

We have reviewed your account information with all three NCRAs (Experian, Equifax, and TransUnion) and find that the information reported is accurate.

We appreciate you providing us with an opportunity to respond to your concerns.

Best Regards,
Customer Advocacy Department
P. O Box ******
******, ** 75014
**************

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Customer Answer

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Business Response

Customer Answer

Customer Answer

Business Response

Business Response

Complaint statuses

Customer Answer

Business Response

Business Response

Complaint statuses

Business Response

Business Response

Complaint statuses

Business Response

Business Response

Business Response

Complaint statuses

Business Response

Business Response

Business Response

Complaint statuses

Business Response

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Business Response

Business Response

Customer Answer

Complaint statuses

Business Response

Skopos Financial, LLC is BBB Accredited.