Complaints

This profile includes complaints for Lighthouse Finance Solutions LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Lighthouse Finance Solutions LLC

  5769 W Sunrise Blvd Plantation, FL 33313-6269

• 

  Lighthouse Finance Solutions LLC

  4613 N University Dr # 211 Coral Springs, FL 33067-4602

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:06/02/2025

  Type:Customer Service 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.

  They will not answer their phone. I need to talk to someone. I could not get an actual person to chat with online and they won&#**;t answer their phones. I&#**;m going to have to cancel them. They owe me 2 months fee. I would like to get a refund and to cancel my services with them.

  Business Response

  Date: 06/05/2025

  Thank you for bringing our client's concern to our attention.

  We called Ms. **** at the number we have on file on 6/4 at 10:51 am eastern time to address her concerns, but unfortunately, we were unable to connect. We heard a recording that the voicemail box is not yet set up. We will continue to make attempts to reach our client until we are able to connect and resolve any issues or concerns she may have. 

  Also, we'd like to provide this toll-free number to Ms. **** as an alternate to reach us: ************. Once connected, we would ask that Ms. **** request to speak to a member of the leadership team for immediate assistance. 

  Business Response

  Date: 06/06/2025

  We are pleased to report that we have successfully reestablished contact with our client, Ms. ***** She has been provided with alternate toll-free phone numbers, as well as additional communication options including email and SMS, to ensure convenient and consistent access moving forward. Additionally, we were able to accommodate Ms. ****** request to modify her draft plan to better suit her needs. We look forward to continuing to support Ms. **** through the completion of her program and her journey toward financial freedom.

• Initial Complaint

  Date:04/25/2025

  Type:Order 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.

  Lighthouse did not disclose that any debt unsettled could be sought after through being sued in court and wage garnishment. I was told in a ****** Review that a got sued and served court papers because I didnt take all settlement offers that is why I got myself sued. Even though I felt they were unfair and unreasonable. I am on government disability for mental illness and I felt pressured to take my last settlement of a monthly payment increase of $401 to $701. An employee said I would definitely get sued and my wages garnished if I didnt take the last settlement. I have had to get a part time job to afford the first payment at $401. Now I can no longer afford everyday necessities. I have also advocated for myself unsuccessfully. The last time was 4/23/2025 with *******. I had to stop himself from communicating with me after saying I would no longer deal with this matter on that Wednesday. Also at the beginning of service explanation someone stated all debt would be paid in full and if you have any money left over from payments its yourself to keep. They stated they settled a debt and congratulations but didnt disclose it was a settlement through court. It was $9550 when originally it was $7800. My credit score is 500. On top of unprofessional employees giving personal opinions for my life choices. They contacted me and never left voicemails to say they contacted me on several occasions unsuccessfully. I feel that they have taken advantage of me and my mental illness through unsavory business practices. In the past *** stated my comprehension is sometimes questionable with my mental illness. I didnt understand getting sued was definitely going to happen to me like the ****** review stated. That it was my fault for not taking all offers I asked for hard copies. Lighthouse services will cost me personally 38% over original debt. On top of literally getting sued by a creditor with threatening of wage garnishment.

  Business Response

  Date: 04/25/2025

  We appreciate the opportunity to respond to this complaint and are truly sorry to hear about the difficulties our client has experienced. Our goal is always to provide a transparent and respectful service to every individual we assist.
  Per our clients request, weve been in contact with her father, who has helped us better understand the challenges and impact this situation has had on their household. Were grateful for his, and our client's, willingness to work with us towards a resolution.  At this point, 4 of the 5 originally enrolled accounts have been successfully settled. We remain committed to working with the client and her father to complete the program and address any remaining concerns in a supportive and understanding manner.

  Customer Answer

  Date: 04/25/2025

  I started submitting emails on March ********************************************************************************************* They contacted me after I advocated for myself to *******. Only today have they honored me advocating for myself. The fourth debt settled was taken to court to sue me. Which they were successful doing. Hence the settlement in full. Repeatedly telling employees this situation is stressful and no response but anger. The last settlement is already being drafted out of my account next month and I have signed no paperwork or been emailed on the debt that was settled.

  Customer Answer

  Date: 04/26/2025

  Not one of my credit cards were even late on payments and two accounts went to court. I almost suffered an inpatient psychiatric hospitalization. I have stated this to Lighthouse since February. They didnt try to contact my father prior to my complaint. Friday they inquired about emails from March of me advocating for myself. 

  Customer Answer

  Date: 04/27/2025

   
  Complaint: 23248997
  
  I am rejecting this response because: Lighthouse has lied about contacting me through my father prior through advocacy. They have not left him one voicemail or email. Lighthouse is still contacting me directly regarding emails from March 19- present. I originally advocated for myself in writing on March 20 for all communications to go through my father. They have been negotiating with me for the fifth debt prior to their response. At double original debt and a monthly payment increase from 401-$701. I have not signed a new contract but they have already set up my account to get drafted on the 4. Lighthouse employees have stated if I didnt take the last unreasonable offer I would continue to get sued and my wages garnished.
  
  Sincerely,
  
  ******* *****

  Customer Answer

  Date: 05/01/2025

  They are stalling to give us original signed contracts and amount of original debt settled. They have sent one of two contracts. One settled and the other still in negotiations for double debt and a 75% extra charge each month. They have an electronic draft coming out May 4. I have seen no contact on as of 5/1. On top of being served a second time on the same debt settled this month. First time was in January. Thats where the fourth settlement came from. Being sued in court on an account that wasnt even late on payment when lighthouse acquired.

  Customer Answer

  Date: 05/02/2025

  The fifth settlement was settled for 17% over original debt and a monthly payment increase of $401-701 for the last debt settlement. Overall services cost me 38% over original debt from the beginning. They produced paperwork after the last debt was settled. They sold my debt to a law office who in turn sued me for the debt through court with threat of wage garnishment of my monthly income. This wasnt disclosed until the last debt. Debt settlement services need to disclose normal practices in their business practices. ***** sold. Court settlement through sold debt to other parties. I settled for the last settlement for fear of my job getting garnished I had to get after service fees.

  Customer Answer

  Date: 05/03/2025

  Someone explained my contract. I could have opted out of their service the entire situation. They never informed me that was an option. Even with all of the emails and phone calls regarding my case and mental health. 

  Customer Answer

  Date: 05/07/2025

  I have signed my last of five debts settled. That is my final business with Lighthouse.

  Business Response

  Date: 05/14/2025

  Lighthouse Finance Solutions would like to provide an update as a follow up to our client's concerns. We are happy to share that all 5 of Ms. ******* debts are now in settlement agreements, and 1 of the 5 has now been settled in full. Ms. ***** and family have been tremendously helpful in this effort, and we look forward to her graduation and freedom from debt. Mr. ***** has my direct contact number, so should any questions or concerns arise in the future, we will be here to assist. 

  Customer Answer

  Date: 05/15/2025

   
  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,
  
  ******* *****

• Initial Complaint

  Date:08/30/2024

  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.

  Stay away, they said they would handle all of my credit cards and after paying them 150 a month and them getting ****** dollars from me, nothing was done, they just took my money and all the credit card companies were calling me saying that I was late and adding additional late fees, explaining they had not even received a call from light house debt relief and trying to call them they avoided all calls and left me broke and hanging Stay AWAY.

  Business Response

  Date: 09/03/2024

  Thank you for bringing our client's concern to our attention. Ms. ********* made the first payment into the debt resolution program on 6/14, less than 3 months into her 30-month program term. For many of our clients, we are able to reach a settlement within the first 90 days, but due to the status of her accounts upon enrollment, the creditors would not yet honor a settlement. We did explain to Ms. ********* that we will be able to settle her accounts, and we expected her to graduate on time within the 30-month term our client had chosen, saving substantial time and money. Lighthouse Finance Solutions is performance based, meaning we do not earn any fees until accounts are settled and the settlement is approved by our clients, and in line with this agreement, Lighthouse has not collected any fees for service from Ms. ********** The payments Ms. ********* made to date were saved in her dedicated savings account, set aside to be used once settlements occur. Those drafts have now been returned and we respect Ms. *********** request not to be contacted, but if she changes her mind, we encourage her to contact our offices again and request to speak to any member of our leadership team. 

• Initial Complaint

  Date:06/27/2024

  Type:Product 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.

  A warning to anyone that will use this service: a year ago I signed up for this service and their legal services. Due to their lawyers' neglect, I now have no money to pay for food, gas, or even my mortgage. I was served by a creditor in Aug '23 and promptly forwarded the papers to this company and kept the faith that they would handle it for me. This week I get a call from my bank that my money is on hold due to a garnishment. This company KNEW I was getting sued and completely ignored it. Add to that the girl on the other line chuckling saying that had my back and they'd fix it, etc, thinking it's cute and all fun...... Today I was left with $11 dollars in my account, suffering a loss of about $7000. Do NOT put your faith in this company, speak with a bankruptcy lawyer first, I promise it's not that big of a deal. These people took about 11k in total, I lost all my money saved and other, not to mention another $2000 for a bankruptcy lawyer to fix the mess they have left me with. Attached is a photo of an email that would give anyone a heart attack. Stay safe everyone

  Business Response

  Date: 06/28/2024

  Thank you for bringing **************** concern to our attention. A positive client experience is very important to us at Lighthouse Finance Solutions, and we were disappointed to hear that we weren't able to meet **************** expectations. ************ enrolled in our program just over one year ago, and in that timeframe, we were able to settle four of eight of the tradelines included in the program. She was well on her way to graduating our program and becoming debt free, perhaps even earlier than the 48-month program term.

  Unfortunately, one of the remaining creditors took aggressive action that is outside of the norm in this industry. ************ canceled our program on 6/26/24. Once we received this notification from the BBB, we immediately contacted her to help resolve her concerns to the best of our ability. We issued a full refund of fees paid into her legal plan and took steps to get those funds back to her as quickly as possible. We are also working together with ************ to recover fees charged by her bank. We will follow up with her next week after receiving guidance from the plan attorney to determine if funds can be recovered from the law firm.

  Customer Answer

  Date: 06/28/2024

   
  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. While we are still working on the solution, they are doing everything they can to correct the issue, whether or not the funds can be recovered, I know it will be best effort their part. 
  
  Sincerely,
  
  ***************

• Initial Complaint

  Date:04/23/2023

  Type:Product 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 been calling for over a week in regards to cancellation and having them give me the money I put into the savings account. The man I spoke with over the phone was very rude. They still have not sent me a cancellation email. This process of simply canceling with them because I cant afford it anymore has been frustrating. Upon signing up with this company the manager told me this is completely your money, you can pull money out and if you cancel at anytime we will refund you whats yours Ive gotten no answer. No help. I just want my money back to me

  Business Response

  Date: 04/24/2023

  We've been in communication with ************************ as recent as 4/21 via a phone call she made to customer service and this morning we connected with her and updated her on the cancellation process.  **************************** desire to cancel was processed accordingly as requested, however, client was unaware that these funds are sent to her via check.  We've since advised her that the check has been voided and an ACH return has been initiated for her to help.  Client was thankful for the information, we apologized for any misunderstanding.  A cancellation email was also sent to her on 4/21 @ 3:05 PM EST shortly after her call with our **************** was concluded, that confirmed her cancellation.  We advised that it may be in her spam box.  Client stated she was thankful for the contact and ACH, and would be contacting the BBB to retract this complaint.  We advised to ************************ that we would also be responding to the complaint.  In just a few short months in our program, we were successful in placing her into settlements on 75% of her accounts enrolled, and we advised her she is welcome to come back at anytime.  Thank you.

• Initial Complaint

  Date:12/06/2022

  Type:Customer Service 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.

  I used the services provide by lighthouse solution since April, 14, 2021. This is supposed to be a credit relief program. I enroll with a total of $20,967.33, total debt. They negotiate and settle with the banks for a total of, $12,205.58. As, of December, 5th, I have paid them a total of $13,042. They are still telling me that I have to pay up until 3/14/25 which will be another $10,417.13!!! This will bring the total that I will be paying to $23,459.13. Im currently on a monthly plan and I pay $******. I have also given them around ***** extra in the past year to finish the program faster and to them it seems that that money went to other fees because Im still scheduled to finish the program as if I was paying only ****** without any extra money added. Mind you the ******, was supposed to be for a term of 48 months. So why am I still paying for 48 months when I have giving them an extra ***** dollars ?! Also, they say my credit wouldnt be affected but all my credit cards have been late on my credit report since I started the program. Cant get a definite answer from them and I was hoping you guys can help me out. Thank you

  Business Response

  Date: 12/27/2022

  To Whom it may concern,

  Upon receipt of the complaint, Company reached out to the Consumer to discuss with him the nature of his allegations against Company. After discussing the matter with the consumer, it appeared that there was some confusion arising regarding the remainder of his program. The parties were able to clear up the confusion, and Company went forward in good faith gesture to the customer and waived a portion of its fees. The consumer was grateful, and the matter was resolved. The parties agreed that upon completion of the items discussed and waiver of the fees said to be waived, the Consumer will advise the BBB that the matter no longer at issue and the consumer agreed to withdraw the complaint.

  Should you have any questions please do not hesitate to contact me at ************ or via email at **********************************

  Regards,

  *********************, Esq.

  General Counsel

  Customer Answer

  Date: 12/27/2022

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

  they werent above and beyond and fixed everything for me. Thank you to BBB for helping all this come together. 
  
  Sincerely,
  
  ***********************