Complaints

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

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  TAFS

  19865 W 156th St Olathe, KS 66062-3521

  
• 

  TAFS

  PO Box 572632 Kansas City, MO 64157

  

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:05/28/2023

  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 been in a contract with TAFS for 3 years and I have requested twice now to end my contract with TAFS and have been denied with TAFS saying the first time I sent the letter of termination too early and I sent the second letter on the 21st of May 2023 which is the 90days time frame and not more than 120 data as stipulated in the contract and Tafs is still sending me the same reasons from last time for not terminating my company's contract and I have also offered to pay a buyout fee but they have refused to acknowledge that.
  I would like to have my contract with TAFS terminated because the fees have been increasing yearly and it's making it hard to make any money in the present transport industry and I am looking to sell my company and I will like the contract terminated so it doesn't make the sales of my company a hassle but TAFS seems not to care about anyone's concerns but only about the money they keep taking from someone and when you call to talk to them it takes almost 3 to 7 hours to have anyone get back to you.

  

  Business Response

  Date: 05/30/2023

  TAFS management has reviewed this complaint. As has been communicated through [email protected], your termination notice was not submitted according to the terms your factoring service agreement. Our records indicate your most recent termination was sent on May 22, 2023, and no record of another termination attempt since 2022. TAFS can help with any factoring related issues by calling our Client Services team. Thank you.

• Initial Complaint

  Date:05/25/2023

  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.

  TAFS is impossible to contact when needed, their call back process is pointless, they often call you back after the close of business. The problem with TAFS I've been having is, ever since the interest rate increase by the Fed, TAFS has now started the practice of splitting invoices from the batch. This results in additional fees when you are forced to resubmit the same invoice, with no changes made to the invoice. Per "Invoice Activity" TAFS is unable to verify the invoice, even though they are provided with the Rate confirmation and signed Bill of Lading as proof of delivery. TAFS does not reasonably try to verify an invoice. They just split the invoice without any type of notification to me or my company. Thus resulting in me having to interpret the notes of the TAFS rep posted in "Invoice Activity". Where I use the same information and means posted in the "Invoice Activity" to contact the billed company for verification. The billed company is always able to verify the information and that they have all needed documentation other than the invoice. So I try contacting TAFS but without success. When TAFS does call me back, it is normally at the close of business. I've been hung up on by the TAFS rep after requesting to speak with a supervisor. I have not once been contacted by a supervisor after several requests to be contacted by a supervisor. This practice of TAFS splitting invoices from batches is unprofessional, unethical and most likely illegal. I've made every attempt to reach out to TAFTS' management, short of visiting their home office in KS, to address these issues. Provided are all documents for the last two batches of invoices submitted. You will find the result is twice the number of submitted batches due to TAFS splitting of batches (rejection of invoices) thus charging additional fees per batch.

  

  Business Response

  Date: 06/02/2023

  TAFS management has reviewed this complaint and a supervisor has spoken to the client on multiple occasions. The issue seems to be with split batches due to handwritten BOL’s. Verification is necessary in the factoring industry, and a supervisor provided an alternative way to get pre-verification, so delays in advanced funds could be avoided. We send a batch summary statement after each transaction that breaks down the invoices purchased and fees that are charged. Clients can also see in the Client Portal which invoices were unable to be purchased due to verification. TAFS only succeeds when its clients succeed. Thank you for your feedback.

  Customer Answer

  Date: 06/07/2023

  *** ****** ** ** ******** **** ****** ** * ****** *** **** **** ** * ****** *** *** *** ********* *** ********* ** ** ****** ** ******** **** ********* **** ** ****** ** ******* **********
  
  ********** ********
  
  
  
  I am rejecting this response because: even in the response provided by TAFS, they lied yet again. I did receive a (one) call, not multiple, from TAFS. By someone claiming to be supervision, however he wasn't very helpful. He insisted on informing me how to "run operations" in "my" company. I could provide examples, however I believe it's off topic and would lose focus on the topic at hand. TAFS, only justification for splitting batches was because of the generic Bill of Lading (purchased off Amozon) our driver(s) sometimes have to use. Our truck(s) are not equipped with a printer. Therefore, when a shipper is unable to provide a BoL, before departing the shipper, our driver is required to fill one out. These generic BoL's are turned into my company, attached with the rate confirmation and then sent to the broker and the factoring company. After years of this process, never have we had any issue with any brokers. We've only started experiencing issues with TAFS here recently, the last year or so. TAFS did provide an email with a bunch of nothing on it. If that's what they send to these brokers to verify loads, no wonder why they can never get verification. The only useful information provided in that email was the TAFS Verification email address.  

  With that said, due to TAFS invoice notes/history, the reason(s) the invoice(s) are split from the batch: "Unable to Verify"! I want to know why TAFS is "Unable to Verify" the invoice, when my company can? My company uses the contact information provided by TAFS in the invoice notes. 

  Also, I still have not received an apology from TAFS, for the TAFS rep that hung up on me! TAFS states their notes have the call was dropped and a call back attempt unsuccessful. But also shows where (I) the client called TAFS several times within the same time frame. The "supervisor"/rep said he would look into that, but still no update or response.  

  1. TAFS still hasn't reimbursed my company for the additional ACH fees, resulting from the slit invoices. 

  2. TAFS still hasn't explained why they aren't able to "verify" in first batch submission, but are able to after re-submission (with no changes and moments later after being split from the prior batch)

  3. TAFTS still hasn't apologized for this unethical practice.

  4. TAFS still hasn't apologized for the unprofessionalism of their agents/respresenitives. (Hanging up on clients)

  5. TAFS still hasn't provided a reasonable resolution to the issue. (slitting of batch) TAFS has provided two reasons for the issue 1: Generic BoL (they call them hand written, but they are 3 layer carbon copy generic boL purchased at any office supply store or online.) 2: Unable to Verify (TAFS has made an attempt to resolve this issue, however this attempt is complex and unfruitful.)

  If TAFS is doing this to my company, I can only imagine how many other companies they are doing this to. This is not only unethical! 

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

  

  Business Response

  Date: 06/19/2023

  TAFS had a supervisor reach out again on 6-16 to go over any issues. So far a supervisor has spoken to the client on 5-19, 5-26 and 6-16. All three calls were recorded. Also, TAFS checked into the call that was disconnected with an agent, and the TAFS agent called back right away and spoke to the client. The client stated they did not want to speak with that rep any longer, and only wanted to speak with a supervisor, which was completed on 5/19. As stated before, verification is necessary in the factoring industry, and a supervisor did provide an alternative way to get pre-verification, so delays in advanced funds could be avoided. We send a batch summary statement after each transaction that breaks down the invoices purchased and fees that are charged. Clients can also see in the Client Portal which invoices were unable to be purchased due to verification. If a verification was not completed, it simply means the broker/debtor was unable to verify in the time needed so we can get at least some of the funds to the carrier.

  Customer Answer

  Date: 06/20/2023

  ** ******* ****** ** ******** **** ***** ********* **** ********** ** *** ********** *********  ** *** ***** *** *** ****** ** ****** ******* ****
  
  ****** ******** *******
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 20105797, and find that this resolution is unsatisfactory to me. However I'm tired of hearing/reading the twisted facts, such as the "rep contacted me back", but yet I called them! At least the last person I spoke with was the best yet. So I will see if things get better with TAFS, If not I will be terminating the "Auto Renewal" contact in 2024. I would recommend to anyone who uses TAFS, keep all records, documents and record all phone conversations as I have.   
  
  
  
  ********
  
  ****** *****

• Initial Complaint

  Date:05/25/2023

  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.

  Multiple times I have attempted to contact this company with less than satisfactory results. I have tried to cancel my the automatic renewal with a live person and they say they are not authorized to talk about cancellation policy and refer us to section 8 of our contracted agreement. Section 8 does not contain an address, phone number or email address to send our non-renewal notice to. They limit us to only 30 days in which to notify them of our intent to not renew our agreement. In my opinion the way they are running this business and treating clients seems like a scam.

  

  Business Response

  Date: 05/25/2023

  Please refer to section 8 in your contract for the termination clause details. All notices can be emailed to ***************m or sent via certified/registered mail as outlined in section 12 of your factoring services agreement. Thank you.

• Initial Complaint

  Date:05/18/2023

  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.

  The service I was sold is not what I am receiving. I am not being paid or given access to the money I have factored. For about two weeks I have had to call daily and repeatedly. I factored $3100 in invoices and to this day have only received $400. Some of this money was given to me on a Commdata card. For about a week I called them daily to set up the card. For some reason customer service cannot help and Tech support has about a 2-hour hold time. I had to call back and wait so many times. Even if a tech support is helping you, after three attempts on the driven app you are locked out until the next day. I have now asked for that money to be taken off the card and direct deposited into my account, but still no deposit. The rest of the invoices I have called about repeatedly. Customer service "Helped Me" with BOL issue. After the invoices were processed I was told that my payments were In Delayed Advance status for the same issues that were resolved. Even worse the paper work I turned in is what the broker wants for payment. It is what they ask me for. I am now being told that I have to wait until the invoices are paid by the broker. What is the point of a factoring company if you have to wait for the broker to pay. After not being paid in hours or a day as I was promised. I asked customer service to connect me to a manager or the department to cancel my factoring contract. I was told NO. They can not talk to me about canceling a contract and there is no manager or department. I was told to refer to the contract. I then told him in the contract it states if you breach the contract they want $2,500. Who handles that he said None of the agents or managers in any department can talk to me on the phone about contract cancellations. I just want this nightmare to be over. I email *********************) to terminate the contract but have been told no matter how bad the service has been my contract cannot be cancelled until April 6, 2024. PLEASE USE SOMEONE ELSE!!!!

  

  Business Response

  Date: 05/26/2023

  TAFS management has reviewed this complaint, and has spoken to the client. We believe we have reached a resolution for each of the mentioned items, including a special instruction to our processing team for the container loads. TAFS goal is to deliver the best client experience and we look forwarding to improving your experience with TAFS moving forward. Thank you for your feedback.

• Initial Complaint

  Date:05/16/2023

  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 started a small business. In doing so money is very tight. I was looking at two different factoring companies. Tafs then file a UC for my business and say that I am their factoring company. I tried to resolve this issue with them directly and get rude behavior from some of their employees and never get a resolution. I have never factored with them and never intended to but according to them I am obligated to them. This company in my opinion should NOT be in business and be able to continue to screw small business owners over. The people who start the small businesses spent their hard earned money. Their time and efforts just to have a terrible company like Tafs control their livelihood. This is very wrong!! I want them to release my UC so I may make a living.

  

  Business Response

  Date: 05/22/2023

  TAFS management has reviewed your concerns and management has reached out. TAFS shows you signed a contract with TAFS to factor. The UCC was filed after the contract was signed. TAFS will not release this carrier, as there is a valid, executed agreement in place. We are happy to move forward and factor invoices as agreed upon. Please reach out to our team with any further questions. Thank you.

• Initial Complaint

  Date:05/15/2023

  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.

  Bad customer service
  Won't release their contracts with clients.
  Bad at communication and filing with contracts.
  Making my business frozen, unable to proceed working and intel.

  

  Business Response

  Date: 05/23/2023

  TAFS management has reviewed this complaint and has been in contact with the carrier. TAFS is in first lien position, and has an executed contract with the carrier, however, another factoring company will not send a release letter until any open aging is paid off. TAFS has attempted to reach out to the factoring company multiple times regarding a buyout of those invoices, but has been unable to get a response. Thank you.

• Initial Complaint

  Date:05/15/2023

  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.

  I initially signed up for TAFS factoring before learning that a fuel advance was unavailable. For 3 years now, I’m forced to be in a contract that was only for 1 year. I have received numerous threatening emails from TAFS reps. After I began factoring, they have increased rates and withheld funds without explanation. Every invoice shows a fee and expenses being taken out but no reserve balance is listed. They are taking money that I don’t owe them and forcing me to stay in a contract that expired 2 years ago.

  

  Business Response

  Date: 05/18/2023

  TAFS management has reviewed
  this complaint and has reached out to the client regarding the alleged
  problems. As with most factoring contracts with other factoring companies, our
  contract automatically renews on an annual basis unless it is terminated in
  accordance with its terms. TAFS requested to review the emails mentioned, but
  the client stated he did not have them. TAFS’ client portal provides each of
  our clients with full transparency and access to their specific contract terms,
  batch summary statements, and all outstanding balances. TAFS’ team has provided
  individual assistance to this client on how to navigate the portal and access
  this information. All fees are fully explained in the batch summary statements
  and are charged in accordance with contract terms. TAFS always strives to
  deliver the best client experience.

  Customer Answer

  Date: 05/18/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  
  
  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.
  
  
  
  
  Regards,
  
  
  
  ******* ******

• Initial Complaint

  Date:05/09/2023

  Type:Order 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.

  We have been working with TAFS for almost 3 years now. Their issues, mishandlings of invoices have been getting worse and worse. As such, we have provided a feedback about their issues and they are yet to address it. We have been in this business for over 7 years now, we have a good knowledge of invoices and paperwork submission steps. They reject at least 4-5 invoices every time we submit, with at least 80% of it is unreasonable. Their team does not even care to analyze the paperwork and simply deny invoices. Sometimes, some invoices disappear and vanish and we have no way of knowing if these invoices were listed in ubsubmitted, delayed or processed. We submit invoices for lets say $92k and they process $85k with no proper report of list of invoices that are denied or put on hold. We have called TAFS and asked for explanation and they simply say "Call me next time this happens, I have no way to find out what happened". This is getting extremely frustrating. Their ****** ******* tell it all, its 2.9/5.0. They also put up fake reviews to make it look better. How about actually addressing issues? How about getting better? We believed TAFS had better future, however its just getting worse.

  

  Business Response

  Date: 05/15/2023

  TAFS management has reviewed
  this complaint and is doing all it can to resolve it. Our team has reached out
  to the client to work through any and all issues. We are sorry for any
  inconvenience during our verification process however it is necessary. Our goal
  is to deliver a great client experience, so please reach out to our Client
  Services team or your PAE immediately to help resolve any further issues. We
  are launching a platform that will make our verifications quicker in addition
  to our vastly improved Client Services wait times. These changes are thanks to
  customer feedback like yours. Thank you for your loyalty and honest feedback;
  we are looking forward to continued improvement.

• Initial Complaint

  Date:05/01/2023

  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.

  Our contract with TAFS ended 4/26/2023. We have begun the cancellation process smoothly. However when it came to the actual buyout today they added a "Handling fee" of $8,400". After multiple requests they have REFUSED to explain that fee. They've stated they will reinstate our contract for another year if we dont pay it. Yet they cant provide a real reason why. They also refuse to give us a letter of release and this is starving our business of money.

  

  Business Response

  Date: 05/01/2023

  TAFS management has reviewed this complaint. The contract with this carrier is expired. This company still owes TAFS more than $40,000 in open receivables. There cannot be a release until this has been paid back to TAFS. If the carrier wishes to have another factoring company buy out the open receivables on their behalf, there is a handling fee associated with that included in the buyout agreement, since TAFS owns those receivables. It is the carrier and other factoring company's choice if they want to sign the buyout agreement and pay the handling fee. If the carrier does not wish to sign the buyout agreement, they can either pay off the balance or wait until TAFS has collected the open receivables. TAFS cannot reinstate the contract, the carrier would have to sign a new contract to factor more invoices. Thank you.

  Customer Answer

  Date: 05/01/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered]
  
  Complaint: ********
  
  I am rejecting this response because:   There’s absolutely no reason there should be a fee of $8400. Or even a single penny when this buyout was going to be taking place anyways. The $40,000 in open receivables is going to be paid, that obviously makes sense. But why in the world, and then what legal basis, can they charge that ridiculous fee of $8400. These people just want to keep us stuck with their are disgusting company. The contract has expired. Except the receivables to be paid out to you and send my letter of release. That’s all we had agreed on and now you’re changing it up trying to place the blame on *** *******. You’re disgusting. Business practices is white people continuously leave you. And why you continuously try to lock people in with ******** like this. 
  
  Regards,  ******* ******

  

  Business Response

  Date: 05/04/2023

  To
  clarify, this handling fee is not being charged to the carrier/client, and it
  is not being charged for paying off the open accounts receivable and obtaining
  the release in connection therewith.  If the carrier/client and its new
  factoring company want to enter into the Buyout Agreement and expect TAFS to
  perform the obligations/administrative services described therein (see
  subsection 2.d. in buyout agreement), then TAFS charges the incoming factor this handling fee (in
  addition to payment of the amount/value of the open accounts) in consideration
  for those additional administrative services TAFS is agreeing to perform and
  the potential legal and financial risk and burden in connection therewith. TAFS
  will not agree to provide those services and incur the risk and burden for
  free.  Thank you.

  Customer Answer

  Date: 05/04/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered]
  
  Complaint: ********
  
  I am rejecting this response because:  TAFS is not charging me anything if I don’t sign a contract with anyone else and just let my account come up-to-date when all of my invoices are paid. Yet they still have to go through the process of sending out a letter of release, updating my UC filing, and other paperwork.  Yet they claim to be charging my new Factoring Company $8400 to do the exact same process, only for the fact that I am signing a contract with somebody else.  TAFS is just trying to start a small businesses from their cash flow. And give us no other option them to sign with them again. It does not matter if they are claiming it is going to be a charge to *** *******, my new Factoring Company. Any competent person knows that they will just pass the charge on to me. TAFS can claim they cannot control how another business conducts their business. However, they can control the fees and other ********. They add to try to destroy small businesses and trap them in a contract. They no longer want.  Do you think we would be leaving your company if we were happy? And now at the final stage, after our contract is already expired, you still choose to do this, disgusting, deplorable, and immoral attacks.  We will keep going, until you give us a letter of relief, and do not charge us that fee for switching to a much better factoring company
  
  Regards,  ******* ******

• Initial Complaint

  Date:04/14/2023

  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.

  On August 2022, our factoring contract with TAFS ended. On December 2022 and January 2023 one customer paid 3 invoices to TAFS. The customer has sent multiple requests to TAFS asking for the funds to be returned. TAFS has ignored all the requests. Attached are a copy of section 8 of the TAFS contract, 3 invoices, customer's check number, pay date, and remit address.

  

  Business Response

  Date: 04/17/2023

  TAFS management has reviewed this complaint. There were no attachments on this complaint, so it is hard to verify, but TAFS refunded three invoices on behalf of this carrier to RXO-XPO back in January and February as follows. Please reach out to the debtor as TAFS has done everything correctly and these funds were returned months ago.

  ******* - refund sent on 2-24-23 for $3,800 - Check/ACH * ********

  ******* - refund sent on 2-9-23 for $500 - Check/ACH * ********

  ******* - refund sent on 1-31-23 for $490 - Check/ACH * ********

  Customer Answer

  Date: 04/24/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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.
  
  
  Regards,
  
  ****** *******