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Business Profile

Collections Agencies

Transfinancial Companies

This business is NOT BBB Accredited.

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Complaints

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

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    Customer Complaints Summary

    • 19 total complaints in the last 3 years.
    • 6 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/15/2025

      Type:Billing Issues
      Status:
      Answered
      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 any alleged debt associated with Lake Charles Memorial Hospital or Professional Emergency Medicine. I have never entered into a contractual agreement with either of these entities, nor have I authorized any services that would create a valid obligation.

      Furthermore, I have no affiliation or agreement with Transfinancial Companies. Despite my repeated requests, they have failed to provide any original documentation or valid evidence substantiating the debt or proving my responsibility for it.

      These are the account numbers that I can see
      C11000XXXXXXXXXXXX
      C1PEM1XXXXXXXXXXXX

      Business Response

      Date: 05/19/2025

      we have received her dispute from the credit reporting agencies and responded in accordance to their guidelines. 

      Customer Answer

      Date: 05/20/2025



      Complaint: 23331885



      I am rejecting this response because: they have not sent me what I am asking for.They are violating my rights. 



      Sincerely,



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

    • Initial Complaint

      Date:03/13/2025

      Type:Billing Issues
      Status:
      Answered
      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 ATON ROUGE GENERAL MEDICAL and I do not have a contract with TRANSFINANCIAL COMPANIES plus they did not provide me with the original application like I asked.
      Account No: *****************
      Amount Disputed: $1,158.00

      Business Response

      Date: 03/13/2025

      We acknowledge receipt of this written dispute and will respond in accordance to the rules set forth by the FDCPA and CPFB.  We will not communicate again through this BBB complaint.

    • Initial Complaint

      Date:01/13/2025

      Type:Billing Issues
      Status:
      Answered
      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 and I do not have a contract with TRANSFINANCIAL COMPANI plus they did not provide me with the original application like I asked.
      Account No: ****************
      Amount Disputed: $2209

      Business Response

      Date: 01/13/2025

      The written dispute letter form the debtor has been received.  We will research and respond in accordance to regulations outlined by the FDCPA.

    • Initial Complaint

      Date:01/06/2025

      Type:Billing Issues
      Status:
      Answered
      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 went to Lane Regional Medical Center's Emergency Room and was billed over $1800.00 for the visit although I did not have any health insurance and was not employed during the time of the emergency.
      Trans financial added the unpaid bill to my credit report with derogatory marks. Medical bills are not supposed to be reported to credit agencies.
      I have called several times and have not been able to speak with anyone.

      Business Response

      Date: 01/06/2025

      There are no Federal or LA State laws restricting the reporting of delinquent medical accounts to the major credit reporting agencies.  We received a previous written dispute from the debtor and have validated the debt with the original creditor.

    • Initial Complaint

      Date:12/04/2024

      Type:Billing Issues
      Status:
      Answered
      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 contacting you regarding an item on my consumer credit report that you have reported, linked to an account allegedly originating from ********* ***** ** *********. I have reason to believe this item is erroneous, and I am requesting complete validation of this debt and confirmation of your legal authority to report it. Account Number: ********************

      Business Response

      Date: 12/04/2024

      We have received Ms. ******s written dispute and are handing it within the guidelines set forth by the CPFB and FDCPA

    • Initial Complaint

      Date:07/10/2024

      Type:Billing Issues
      Status:
      Answered
      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 wet ink signed contract between me (********* **** *******) and Transfinancial does not exist to obligate me to pay them anything. According to Privity of Contract, a contract cannot confer rights or impose obligations on anyone who is not part of the original contract. HIPAA (Health Insurance Portability and Accountability Act of 1996) also grants me the right to prevent third parties from accessing my medical records or privacy information. I do not recall giving ***** ***** ******* ******* ****** permission to release my medical information to a third party (Transfinancial Companies). I ********* **** ******* prepared this form. These are my original words and are clear for anybody to understand.

      Business Response

      Date: 07/11/2024

      We received Mr. ********* original dispute letter in January 2024.  We validated the debt and responded to that letter in accordance to the rules and regulations set forth by the FDCPA. 

      Customer Answer

      Date: 07/11/2024



      Complaint: 21969589



      I am rejecting this response because: I never received a contract between me, ********* **** ******* and Transfinancial companies that I owe them and wet signed by me. Privity of Contract, a contract cannot confer rights or impose obligations upon anyone who is not a party to that contract.
      Only the original parties to the contract are directly bound by it.



      Sincerely,



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

    • Initial Complaint

      Date:07/05/2024

      Type:Billing Issues
      Status:
      Answered
      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 writing in response to ******** ******** ******** ** ********** **************************** regarding my complaint (ID 21922982) against Transfinancial Companies. 

      I am filing a complaint against Transfinancial Companies for reporting a debt on my credit report that I do not recognize and for which I have not been provided adequate documentation to verify. Despite my request for verification through a certified letter, I have not received any original contract or proper documentation from Transfinancial Companies to substantiate this debt.

      Instead, I received a Health Insurance Claim Form from ********** ********** ******** ** *** ***** ******* ** **********. This document does not demonstrate that I owe any debt to Transfinancial Companies. As such, the reporting of this debt on my credit report is inaccurate and has negatively impacted my credit score.

      Under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), the burden of proof lies with the debt collection agency to validate the debt, not with the consumer. I request that Transfinancial Companies provide proper validation of this debt or remove it from my credit report, as per my rights outlined in FCRA section 623(a)(1)(A).

      Additionally, I requested verification of Transfinancial Companies’ authority to collect this debt under the FDCPA. They have only provided validation of the debt without addressing my request for verification. This discrepancy raises questions about their legal standing to pursue collection on behalf of the original creditor.

      I am hopeful that we can resolve this issue swiftly and fairly. However, if it is not addressed satisfactorily, I will escalate my concerns to the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC).

      Please find attached the Health Insurance Claim Form that I received, which further supports my position.

      Business Response

      Date: 07/05/2024

      Transfinancial Companies, LLC has received and responded to the written dispute, from Mr. ******* in accordance to the laws and regulations outlined by the FDCPA. 

      Customer Answer

      Date: 07/11/2024



      Complaint: 21939864



      I am rejecting this response because:



      Sincerely,



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

    • Initial Complaint

      Date:01/31/2024

      Type:Billing Issues
      Status:
      Answered
      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 received a notice that I have a collection from TRANSFINANCE on my credit report. It says it was opened on 3/24/2023 for $746 with account number starting in C1OHC1************ that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.

      Business Response

      Date: 01/31/2024

      Please call our customer service ************ for account detail.  You also have the right to dispute the debt by sending us a written dispute letter to Transfinancial Companies, LLC , **** ******* *** * ***** ****** ** *****,  You also may refer to the following link for more information regarding disputing a debt: *******************************. 

       

       

    • Initial Complaint

      Date:01/25/2024

      Type:Billing Issues
      Status:
      Answered
      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 received a notice that I have a collection from Transfinance on my credit report. It says it was opened on 4/28/2020 for $1,191 with account number starting in C1PEM1************ that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.

      Business Response

      Date: 01/25/2024

      Please call ************ and one of our CSRs can proved account details and help you resolve this matter. 

    • Initial Complaint

      Date:01/04/2024

      Type:Billing Issues
      Status:
      Answered
      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 disputing a collection with TransFinancial Companies and have sent 2 certified mail letters thus far and am sending a 3rd letter today. The first letter I mailed was on September 7th, 2023, followed by a response after 30 days on the date of October 26, 2023. I have attempted getting on the phone multiple times with them to discuss and have not have any lead way. They claim they can't find me in the system they have but somehow can report to my credit that I owe a supposed amount and also send a response including the account number along with a bill. I sent an additional letter on 12/1/2023 in which I have not received a response.

      TransFinancial Companies has violated HIPPA laws. The collection agency mailed proof that they have violated HIPPA laws which I will attach to this complaint. They have violated 1681e(B)

      Business Response

      Date: 01/08/2024

      We have received the 2 original dispute letters and have responded in accordance to FCRA and FDCPA. 

    Transfinancial Companies is NOT a BBB Accredited Business.

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