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:07/21/2025

  Type:Service or Repair 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 received multiple calls by this "company" stating judgement with my name on it etc so I finally called back after a week of getting calls/voicemails. The man stated he was with a lawyer company about a loan from 2020 and now that he's reached me we have to come up with an agreement or I'll be served at work and have to go to court etc. I asked him if there was a way to pay online and he kept saying not for a settled amount that I'd have to give him my CC info. He then emailed me with info etc which had a website link at the bottom to "pay" (*************************) I clicked on it and seemed legit but I didn't pay anything, he called me the next day and said oh no that's an old website and he will email the new website which when he did, the link (***************) said it wasn't found. The man was extremely rude and very unprofessional and when I questioned why wait 5 years to contact etc he wanted to argue and just kept asking for my CC info and that if I ended up going to court an extra $1k would be on the total etc I guess trying to scare me into paying. My lawyer from my bankruptcy back in 2023 informed me that the so called loan he was calling about was dismissed etc so there shouldn't be anyone calling me for any debt! Complete scam!

  Business Response

  Date: 07/22/2025

  Thank you for giving us the opportunity to respond. We have searched our records and cannot find a record of having contacted the consumer or anyone associated with the consumer. Our office is not a law firm and does not claim to be one. Our office takes compliance very seriously and any employee that engaged in the behavior described would be terminated. We have had issues in the past with a company using the names *************, *********, *** *********** or just LCS that appears to engage in the type of behaviors described and have reported it to multiple states' attorneys general. We have also been made aware this company may be using the name *************** Services or a shortened version of our name as just LCS Financial. We are not affiliated with any of these companies and are attempting to contact them regarding use of our trademarks. Based on information from another consumer, we believe the party likely making contact with this consumer is *************** Services, LLC based out of *******. Our office has filed a complaint with the *********************************, as beyond the use of a name confusingly similar to ours, the reported behavior does pose a risk to consumers. We encourage investigation into this company. If the consumer continues to believe this office is making contact and would like to provide additional information about the dates and times at which calls were received or the name of the person the caller is attempting to contact, we are happy to investigate further. At this time, as it does not appear we have a file for the consumer, we have no reason to make contact and will not do so absent a request for additional information.

• Initial Complaint

  Date:07/21/2025

  Type:Service or Repair 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.

   
  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.
  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 07/22/2025

  Thank you for giving us the opportunity to respond. We have searched our records and cannot find a record of having contacted the consumer or anyone associated with the consumer. Our office takes compliance very seriously and any employee that engaged in the behavior described would be terminated. We do not have an employee named ***** ********, and we do not own or operate the phone numbers ************ or ************. We have had issues in the past with a company using the names *************, *********, *** *********** or just LCS that appears to engage in the type of behaviors described and have reported it to multiple states' attorneys general. We have also been made aware this company may be using the name *************** Services or a shortened version of our name as just LCS Financial. We are not affiliated with any of these companies and are attempting to contact them regarding use of our trademarks. Based on information from another consumer, we believe the party likely making contact with this consumer is *************** Services, LLC based out of *******. Our office has filed a complaint with the *********************************, as beyond the use of a name confusingly similar to ours, the reported behavior does pose a risk to consumers. We encourage investigation into this company. If the consumer continues to believe this office is making contact and would like to provide additional information about the dates and times at which calls were received or the name of the person the caller is attempting to contact, we are happy to investigate further. At this time, as it does not appear we have a file for the consumer, we have no reason to make contact and will not do so absent a request for additional information.

• Initial Complaint

  Date:07/01/2025

  Type:Service or Repair 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.

  A hard credit inquiry was conducted resulting in my credit score declining. I did not authorize the credit inquiry as I was not applying for a loan rather I was attempting to file a dispute representative ****** ****** lacked customer service skills an argument ensued resulting in her performing an unsolicited credit check! I have a police report on file and a fraudulent claim has been submitted

  Business Response

  Date: 07/11/2025

  Our office has a permissible purpose to pull the consumer's credit, as we are attempting to collect a debt. Our office does not believe it has violated any consumer protection laws. Our office has forwarded the consumer's dispute information to our client for investigation. Our office has also requested removal of the credit inquiry from the consumer's report as a show of good faith.

• Initial Complaint

  Date:06/09/2025

  Type:Service or Repair 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 keep getting calls from a company by the name of *** mitigation Group ************, they said if I don't answer it is an admission of guilt. I don't even know if they are a legitimate business why would I answer and I don't know what I would be guilty of. These are bully tactics.

  Business Response

  Date: 06/20/2025

  Thank you for giving us the opportunity to respond. We have searched our records and cannot find a record of having contacted the consumer or anyone associated with the consumer. Our office is not a law firm and does not claim to be one. Our office takes compliance very seriously and any employee that engaged in the behavior described would be terminated. We do not use the name LCS Mitigation and are not associated with any company that does. We have had issues in the past with a company using the names ***************, ********* or just LCS that appears to engage in the type of behaviors described and have reported it to multiple states' attorneys general. Recently, we have also been made aware this company may be using the name *************** Services or a shortened version of our name as just LCS Financial. We are not affiliated with any of these companies and are attempting to contact them regarding use of our trademarks. Based on information from another consumer, we believe the party likely making contact with this consumer is *************** Services, LLC based out of *******. Our office has filed a complaint with the *********************************, as beyond the use of a name confusingly similar to ours, the reported behavior does pose a risk to consumers. We encourage investigation into this company. If the consumer continues to believe this office is making contact and would like to provide additional information about the dates and times at which calls were received or the name of the person the caller is attempting to contact, we are happy to investigate further. At this time, as it does not appear we have a file for the consumer, we have no reason to make contact and will not do so absent a request for additional information.

• Initial Complaint

  Date:05/14/2025

  Type:Service or Repair 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 recently started receiving voicemails from a number that gives a different number to call back and states are calling in regards to a default judgement with my name on it. They will also accept no call back as a admission of guilt! When called them informed me was from a cash storeor payday loan type store. Claim it's from ***************************************** 2018 I tried explaining this wasn't possible as didn't take out any such loan since 2010 and hadn't had said checking acct since moved from area of the bank had it with in 2012! I've been called a liar! Threatened with arrest, threatened with lein or seizure of property and hung up on and even told I would not be tolerated! Advised to keep my state ID on person for purposes of being served! Told if don't have ID on person will be detained until ID verified! I also attempted to inform them that there was a statue of limitations of 4 yrs on any such judgements! The man actually said "Well why the h*** would you know that if you didn't owe this? **** woman just pay your bills!" Then put on loud horrible music so guess hung up! I was trying to tell him I knew because it's not first time this has happened not just me but several people I know that has taken out such loans! They cont to call every other day for few weeks or months! About 3 weeks at this point!

  Business Response

  Date: 05/28/2025

  Thank you for giving us the opportunity to respond. We have searched our records and cannot find a record of having contacted the consumer or anyone associated with the consumer. Our office is not a law firm and does not claim to be one. Our office takes compliance very seriously and any employee that engaged in the behavior described would be terminated. We have had issues in the past with a company using the names *************, ********* or just LCS that appears to engage in the type of behaviors described and have reported it to multiple states' attorneys general. Recently, we have also been made aware this company may be using the name *************** Services or a shortened version of our name as just LCS Financial. We are not affiliated with any of these companies and are attempting to contact them regarding use of our trademarks. Based on recent information from another consumer, we believe the party likely making contact with this consumer is *************** Services, LLC based out of *******. Our office has filed a complaint with the *********************************, as beyond the use of a name confusingly similar to ours, the reported behavior does pose a risk to consumers. We encourage investigation into this company. If the consumer continues to believe this office is making contact and would like to provide additional information about the dates and times at which calls were received or the name of the person the caller is attempting to contact, we are happy to investigate further. At this time, as it does not appear we have a file for the consumer, we have no reason to make contact and will not do so absent a request for additional information.

• Initial Complaint

  Date:04/18/2025

  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 want the business to remove the credit bureau ***ort that their *** pulled without permission on a debt that is well over 2 years old that no one has contacted me for well over a year and a half along with no correspondence in regards to it. No itemized bill, no nothing. This is also for a company that was an LLC . Therefore, I am not personally liable.

  Business Response

  Date: 05/02/2025

  Thank your for giving us the opportunity to respond. The consumer is listed as a personal guarantor on the business account in question. Our inquiry to the consumer's credit was subject to 15 U.S.C. 1681b(a)(3)(A) for use 'in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.' As such, our office had a permissible purpose to make the credit inquiry in question. We have requested that the inquiry be removed as a sign of good faith. At this time, the consumer has requested no further contact, so our office has closed the file and returned it to our client. The consumer is free to contact our client for additional information going forward.

• Initial Complaint

  Date:02/25/2025

  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.

  VALIDATION AND CEASE AND DESIST?? LCS Financial Services Corporation ? ************************************************* ? Account number:? ******* ? ***** *********** ? ***************************************************************************************************** ? Dear LCS Finanical Services Corporation ? I recently received a debt collection notice from your office. I am writing to verify that you have?? contacted the correct individual and to request that you provide documentation confirming this.?? Please supply me with a copy of any contract or agreement signed with your company or the?? original creditor.?? In accordance with the Fair Debt Collection Practices Act (FDCPA), I request the following?? information:?? 1.?? The name and address of the original creditor and the current creditor.?? 2.?? Verification of the debt amount you are seeking to collect, including evidence that?? a contract exists creating the amount you claim is owed.?? 3.?? Documentation of all assignments showing the transfer of the debt from the?? original creditor to the current creditor.?? 4.?? Proof that the original creditor securitized the debt.?? 5.?? Documentation showing the assignments of the debt from the original creditor to?? the secured trust and then back to the original creditor.?? Please cease and desist from collecting on this debt until you have provided validation of the?? debt.?? Additionally, I request that you do not access my credit report or report anything to my credit?? bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my?? credit report if you have already reported this debt.?? Permissible Purpose?? Please state your permissible purpose for accessing my credit information. I dispute your right?? to do so.?? Notification to Other Collectors?? I dispute that I owe this debt to you. Should you transfer this debt to another collector, please?? inform them of my dispute regarding the validity of this debt.??

  Business Response

  Date: 03/18/2025

  Thank you for giving us the opportunity to respond. The account was placed with us by our client; our office does not own the account and our office has not made a report to any credit agencies. Documentation of the account is being sent to the consumer's address.

• Initial Complaint

  Date:01/26/2025

  Type:Service or Repair 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.

   
  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.
  
  Sincerely,
  
  ***** ******* stop calling me and my school or he will be prosecuted. I need to know is this scam and what or who I need to contact. This is very uncalled for and I need retributions for the embarrassment and undue stress this has caused me. I also asked for proof of their lie. A debt validation letter.

  Business Response

  Date: 02/03/2025

  Thank you for giving us the opportunity to respond. This complaint is for another company. We are not affiliated with ************* Services. They appear to be related to a company called *************** Services in *******.

• Initial Complaint

  Date:01/21/2025

  Type:Sales and Advertising 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 trying to profit off an old, discharged debt by adding on an outrageous fee amount. - No detailed listing of the added fee(s)- No documentation on the original debt - The **** Mr ****** became rude and combative

  Business Response

  Date: 02/03/2025

  Thank you for giving us the opportunity to respond. This letter and complaint are for another company. We are not affiliated with ************* Services. They appear to be related to a company called *************** Services in *******. Please see the address on the attached letter.

• Initial Complaint

  Date:11/28/2024

  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.

  *** has bought my student loans and they refuse to consolidate my loans and they want me to pay an amount of money monthly THAT I CANNOT AFFORD. I can pay back, but not $600 a month!@!

  Business Response

  Date: 12/06/2024

  Thank you for giving us the opportunity to respond. Please note that this office is not a lender and cannot consolidate loans. Our office is willing to discuss payment arrangements in amounts smaller than $600 per month with the consumer and has done so on several occasions. If the consumer needs a temporary hardship arrangement, he can bring that up with one of our agents and they will be happy to explore payment options with him. Our office denies that it has refused to offer the consumer a reasonable payment arrangement.