Complaints

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:04/25/2025

  Type:Customer Service 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'm filing this complaint because I have received 2 phone calls this month from this company saying my account is past due, and its not past due. The first call was on 4/17/25. A woman called and said "Yes sir, your account is past due and we're just wondering what we have to do to get you back current" I told the woman "No mam, I refinanced and my due date is the 28th of each month" She looked into it and apologized and we ended the phone call. Then, they called again yesterday on 4/23/25 saying "Yes sir, your account is past due and we're just wondering what we have to do to get you back current' I replied "No mam, I refinanced and my due date is the 28th of each month, I'm not past due" She looked into it and agreed that it wasn't past due and that my due date was on the 28th. I also informed her that I received a bill saying that I owe them ******** and she replied " Thats because our system is still going off the original contract before you refinanced, our system can't keep up with everything if you refinance." So I'm not even sure of the exact amount I owe them because "their system can't keep up". I was also charged 2 "Account Service Charges" when I refinanced. I was told they refunded me but I have no proof of that since my last statement they sent me says I owe them $********

  Business Response

  Date: 04/30/2025

  In regard to the complaint filed by ***** *********; as this appears to billing questions our company will reach out to the client directly to address his questions. We are unable to provide account details to third party.

• Initial Complaint

  Date:01/05/2025

  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 wrote this to *** **** ********, who is one of your vendors. I have a major problem with SFC and I need you to fix ASAP. Special Financing Company has now stolen 4 monthly payments from me after I asked **** (one of ***** coaches) to cancel the loan 4 months ago when I realized (1 day after I signed up via **** and SFC) that the APR was ****** & that I would be better off using my own IRA funds instead to work with ***. Since then **** & SFC have been giving me the run around for a few months now, then I was promised before Xmas that I would finally get the several monthly payments of **** that had illegally/without my authorization. Basically, **** told me-before Xmas that SFC was going to stop the loan on December 27th & give me a refund, which is 3- 4 months of ****.** payments, and so I called them on January 2 and they said "The loan is canceled and to "expect a refund". NOW: In the most f'ed up possible situation today, I got two letters in the mail: one from SFC saying they had sold the loan to ***** **** Investments, & another from ***** **** Investments saying they were happy to take on this (clearly illegal since I never authorized ANYTHING with them!) loan. Today was the last straw: Instead of an expected refund letter, I got one saying "We just transferred your loan to a new company' and the new company (***) telling me that I had a loan with them. I have called Both ***** **** and SFC.. So I left a nasty review of *** on ****** ******* (with 3 million subscribers) and just posted this entire stupid time wasting aggravating beyond belief saga on *** **** ******** ** page. I dont care if its less than ***** that has been stolen from me, I expect this to be taken care of. If ************ Meanwhile the negative reviews of your company are now going as far and wide as I can make them on the internet if no response ASAP. PLEASE tell SFC and ***** **** to STOP THIS LOAN!.

  Business Response

  Date: 01/14/2025

  The mentioned loan has been cancelled per the request received from the provider of services, *** **** ********.  The cancellation and refund of payments were processed successfully on January 6, 2025.  As of today, the refund should reflect in the consumer's bank account provided and the consumer has no further obligation to Special Financing Company. .  

• Initial Complaint

  Date:09/20/2024

  Type:Customer Service 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 have financed from Special Financing Company LLC for my husband to have a computer programming course from The *********** *******. As per the agreement, the loan had to be directly paid to the *** ** ****** *******. Due to unforseen reason, my husband did not able to take the class and asked *** ** ****** ******* to refund as per the understanding. However, The *** ** ****** ******* infromed that they had not received the full amount and the financer misrepresented them. the SFC has been withdrawing my money from my account since the start of the loan. Now I want to stop paying further until the payment issue is resolved. without paying to the vendor, taking money from my account is totally unacceptable. I have emailed the special financing llc, however they never replied back me.

  Business Response

  Date: 09/25/2024

  In regard to the complaint filed; Special Financing Company, LLC has no record of communication with this client to address any complaints.  Our office will make every effort to reach the client to discuss this matter.  The client can also contact our office at ************.  Office hours are Monday - Friday, 9AM to 9PM EST.

• Initial Complaint

  Date:09/13/2024

  Type:Customer Service 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.

  Called company 8/15/2024 & 8/29/2024 to set up a bi-weekly withdrawal payment arrangements, I was then charged 2 full monthly payments and the biweekly arrangement that was set up. Called and spoke with agent that I set up the biweekly payment with and was informed that it was an accident and she is not able to override the system. Asked to be transferred to a supervisor Mrs. ******** Had to be transferred to a call rep to get the supervisor’s name. She would not give me her name when we spoke and proceeds to give same information the agent I spoke with did. It is a system correction and they can’t refund me what they owe. I did raise my voice and get angry and the supervisor proceeds to be disrespectful and would not provide me with her information. I had to call back and get information from another call agent. Company is not a great or good company at all.

  Business Response

  Date: 09/17/2024

  Please have the consumer contact our office to review and discuss loan details as loan details can not be released to 3rd party.  Contact information - Office* ************.  Office hours are Monday - Friday, 9AM to 9PM EST.

• Initial Complaint

  Date:08/12/2024

  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.

  Occurred 7/29/24. Amount disputing ****** + ***** charged for overdraft assessment by financial institution. I never requested an account with company Special Financing. I don't know what the ************, is referencing or who? Discrepancy is shown on Bank statement for July 2024, have never seen it on other statements .

  Business Response

  Date: 08/13/2024

  Regarding the complaint filed by ***** ********* (Client); Special Financing Company, LLC is the note buyer for the contract signed between the Client and *** ******* ******** *** on June 28,2023 . Per the terms of the agreement signed by the Client, monthly payments for the services rendered by *** ******* ******** *** are to be drafted from the Client’s bank account previous provided. The monthly payment as outlined in the attached agreement are $****** and started July 14, 2023 to current.  Should the Client have further billing questions, please feel free to contact our office at *************

• Initial Complaint

  Date:05/08/2024

  Type:Customer Service 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.

  BNB Formula (Education center in Charleston, South Carolin) stated this company owes me a refund **** from 5/11/23 I have been requesting refund.

  Business Response

  Date: 05/13/2024

  In regard to the complaint filed by ****** ******* (Client).  The 5.10.2024 payment was returned by the Clients bank flagged as unsuccessfully therefore no funds were paid to be refunded.  

  Business Response

  Date: 05/20/2024

  The 5/10/2024 payment was returned by the Clients bank flagged as unsuccessfully therefore no funds were paid to be refunded.  Should the consumer have any questions regarding this return, please contact our office at *************

  Customer Answer

  Date: 05/27/2024

  Hi, I will contact them on the next business day .

• Initial Complaint

  Date:02/21/2024

  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 am not liable for this debt with **** ******** *******. I do not have a contract with **** ******** *******. They did not provide me with the original contract as I requested.

  Business Response

  Date: 02/29/2024

  In response to the complaint received from ****** ******* (Client); Special Financing Company, LLC received a request for credit from *** **** ********** *********** on January 2, 2024.  Per the Retail Installment Sales Contract signed by the Client on January 2, 2024, authorization was given to investigate and verify credit reports.  Authorization attached.  Should the Client have questions regarding this authorization, please contact *** **** ********** *********** at ************ ** ************

• Initial Complaint

  Date:11/28/2023

  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.

  I bought a course modern millionaires. It wasn't working for me I wanted to stop the subscription with them. Their finance company ***** **** ********** sold my det to the Special Financing CO Llc. I have left about 4 voice mails to a *** ****** at ************ and received no call back. I just want to stop my subscription with this company but can't get ahold of anyone.

  Business Response

  Date: 11/28/2023

  In response to the complaint filed by ***** ******.  Per the Retail Installment Sales Contract signed by the buyer, ***** ****** on 7/21/2022, the terms are are legally binding therefore there is no cancellation period within the agreement.  Should the client have questions in regards to the services provided by *** ****** ************, please contact their offices at ************ ** ************.  Should the client have billing questions, please contact Special Financing Company at *************

• Initial Complaint

  Date:05/01/2023

  Type:Customer Service 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 contacted this special financing company to get them to quit taking it straight from my account. I was told to email the customer service which I was given an email address that does not work. The days are not working for me and I want to pay in full. The email I was given doesn't work and now I can't get a hold of anyone. I can block this from my bank but I do not want to do this. Please help I want them to stop and I am afraid that even if I pay in full they will continue to take out money from my account.

  Business Response

  Date: 05/08/2023

  In regards to the complaint filed, the request has been received and processed.  All drafts per the clients request have been stopped.

• Initial Complaint

  Date:04/03/2023

  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.

  This company was not the original company that i called when i began the process of them assisting me with my *** debt. The original name was ***** *** ***. I have numerous times called to ask questions, email and even texted but never get any responses. I have been wanting them to remove theirselves from continuing to work on my file due to the unconsistencies and lack of communication. This company has also been sending me correspondence of my balances with the ***. They send me paperwork where they use a back marker showing a lot of information that i believe i should be aware of also since my name is on it blacked out. ***** *** *** was assisting me since 1/2022. Please please I need your help I have changed my credit card so they are not able to take out any of my money anymore, i also made them aware of my decision but have gotten no response but they are calling me now consistently for payment.

  Business Response

  Date: 04/12/2023

  In response to complaint received by ***** ********; the complaint states the client has been seeking services with ***** *** *** however Special Financing Company has never conducted business with ***** *** ***.  The client previously had a loan purchased by Special Financing Company from *** ******** ***** however that loan was closed and returned to *** ******** ***** on April 2, 2023. The client has no further obligation to Special Financing Company and would need to contact *** ******** ***** at ************ for any questions.