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Business Profile

Financing

The LGM Company

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financing.

Complaints

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

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    Customer Complaints Summary

    • 39 total complaints in the last 3 years.
    • 11 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:04/13/2025

      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 bought a vehicle from North Coast Auto mall in 2022 which was financed through LGM FINANCIAL on Granger.The pulley went out a week later on the car which costs $500 but I fixed it.Ive never been late on a payment. And decided to trade in for something safer and better but LGM is still trying to charge me even though I provided proof that the vehicle is traded in to be paid off.

      Business Response

      Date: 05/01/2025

      Hello,

      LGM appreciates the Better Business Bureau's communication in helping us resolve any customer service issues. We regard customer service as the focal point of our business and are committed to maintaining exemplary support and service for our customers.

      We appreciate your patience as we work to resolve this matter. Unfortunately, the account payments are due on the due date and no added fees have been added to the customer's account.

      Should the customer have any additional questions or concerns, please contact our Customer Service department at 330-439-5721.

      Best Regards,
      LGM                                                                                                                                                                                                                                                                                                                                                                                                                   Customer Service Department

      Customer Answer

      Date: 05/01/2025

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.




      [To assist us in bringing this matter to a close, we would like to know your view on the matter.]


      After I made a complaint additional fees were removed from the final payment.The issue is them continuing to charge me even after they received proof the check was in the mail.I do not recommend this complany.They don't try to work with customers and try to make it difficult if you trade in.










       

    • Initial Complaint

      Date:01/31/2025

      Type:Billing Issues
      Status:
      Unresolved
      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 been having ppl message me then when i call the number it says you cant reach person at this number in today person said if a payment dont be made we gonna take the car again even tho they agreeing to work with me then change it up everyday after agreeing to the agreement they dont ever really keep they word one person say yes then person will call in said that wasnt ever said.. its like they noting anything in there system they take what you say in twist your words and lie on you and they very terrible when they talk to they not respectful at all. sum of the are but most of them are rude i been receving rude messages and threats to put me in collection for ony 600 buccks its nomore then what they trying to charge. i thought by law it have to be over 2k i am no where near in i make sure to pay sum to keep things good but seem like they just keep taken my money and trying to take the car i have in keep all my money if they gonna keep taken from me i need all my funds back.... in they do not show how much i haave left over when i pay them they only send me a type out payment with no legit information i dont know how yall letting them still be open when they littery doing bad business....

      Business Response

      Date: 02/07/2025

      Hello,
      LGM appreciates the Better Business Bureau's communication in
      helping us resolve any customer service issues. We regard customer service as
      the focal point of our business and are committed to maintaining exemplary
      support and service for our customers.
      We appreciate your patience as we work to resolve this matter. The
      customer's account is past due in the amount of $827.27. Unfortunately, there
      is no law stating you have to be over $2,000 past due in order to be in
      default. The customer owes the amount overdue on their account and will not be
      refunded for the payments that were due to LGM.

      Should the customer have any additional questions or concerns, please contact
      our Customer Service department at 330-439-5721.
      Best Regards,
      LGM
      Customer Service Department

      Customer Answer

      Date: 02/12/2025

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.




      [To assist us in bringing this matter to a close, we would like to know your view on the matter.]



      Regards,



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



      Consumer called and said he has been trying to make payments and they will not go through on the business end. He has been told he is at risk of losing his car but he has been making the payments and they will not process them. 





       

    • Initial Complaint

      Date:01/27/2025

      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.
      In December 2024, I purchased a car that due to the fact it was a manufacturer buyback could only be financed through the above company.I agree to the provided was given me a sheet of paper at time of purchase letting me know that the above company was the finance institution and that the first payment would be due on 1/27. I was not provided with any information on how to contact the company in order to pay the bill. I received no further communication from the company at all through telephone, mail or email. Approximately one and a half to two weeks prior to 27 January. I emailed the company several times at their customer care email address asking them to reach out to me to inform to tell me how to make a payment as I knew the due date was coming close. I never heard from them. No information provided. On the day of the due date starting at noon I started receiving hammer telephone calls from the company trying to collect payment from me.The payment was not late. It just happened to be the due date. I asked them why I never received a bill in the mail andthey informed me that they do not send bills. They informed me that I should’ve received a welcome letter which I did not. They informed me in a very threatening manner that if Idid not pay right then in there, they’re gonna terminate the contract for payment and financing of my car and have my car repossessed. I asked him to please send me the welcome letter and the bill in the mail to again which they said they do not send bills. They finally emailed me the welcome letter that I should have received earlier from the company and never did. In the welcome letter there is zero information on how to pay your bill nor did they ever inform the consumer either in their contract or through the welcome letter that they do not send bills in the mail. The only info provided was the Telephone number of the collections department. They have a clear lack of communication and need to provide formal itemized bills.

      Business Response

      Date: 02/04/2025

      Hello,
      LGM appreciates the Better Business Bureau's communication in helping us resolve any customer service issues. We regard customer service as the focal point of our business and are committed to maintaining exemplary support and service for our customers.

      We appreciate your patience as we work to resolve this matter. The customer was provided with a contract that they signed during the closing. a welcome letter was mailed on December 20, 2025. A copy is attached. LGM has attempted to go over the details on the contract and how to make payments, which the customer ignored. Unfortunately, LGM does not send monthly billing statements. The payment should be received on or before the 27th of each month.

      Should the customer have any additional questions or concerns, please contact our Customer Service department at *************

      Best Regards,
      LGM
      Customer Service Department

    • Initial Complaint

      Date:01/23/2025

      Type:Service or Repair 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.
      The company is harassing me. They contact me several times a day, even after speaking to them. They call back within 20 minutes to an hour. They are very disrespectful. I've been called a liar via e-mail as well as verbally. They have asked for their vehicle back due to a $27 late fee. They have stated they did not want to and could not wait until the next full car note payment was due to accept it with the late fee included. Due to this the car is up for repossession. They stated I have not contacted the company which isn't true to make payment arrangements for the $27 late fee plus the $5 processing fee. I have informed them via e-mail as well as verbally as to when the payment of $27 late fee would be made. This company calls me 18-20 times a day along with e-mails. They call from many different numbers along with calling private to block their number from showing in my phone. Due to the threats, harassment calls, e-mails calling me a liar, this is taken a tole on my health becoming stressful. I have informed them, due to them stating that they did not want the money they can have the car per their request. I've asked them what day and time they wanted to retrieve the vehicle. I received another two calls following after an e-mail. The harassment must stop. In order for this to happen, they can have the car, as I can no longer tolerate the abuse.

      Business Response

      Date: 01/30/2025

      Hello,
      LGM appreciates the Better Business Bureau's communication in helping us resolve any customer service issues. We regard customer service as the focal point of our business and are committed to maintaining exemplary support and service for our customers.

      We appreciate your patience as we work to resolve this matter. The customer's account has been marked cease and desist so that the customer will no longer receive phone calls or text messages. The account is currently 24 days late. As a one-time courtesy for the customer, LGM will not consider any repossession action until or unless the account becomes 30 days past due. By doing this LGM is not relinquishing any of our rights under the retail installment sales contract.
      The customer can pay online. the Account number that she will need is **********.

      Should the customer have any additional questions or concerns, please contact our Customer Service department at 330-439-5721.

      Best Regards,
      LGM
      Customer Service Department

    • Initial Complaint

      Date:12/18/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      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.
      LGM Auto Finance has failed to release the lein on my 2015 RAM 1500 that was paid off in September. I have called multiple times and received 2 notarized documents stating the lein is satisfied and account closed, however they did not actually file the lein payoff. The lein is still active under the Florida DMV and needs to be legally and electronically released. I have spoken to multiple reps who claim they released it, yet nothing has actually been done. I am tired of dealing with this company and I need the title for my vehicle so I can get it registered. At this point they are negatively affecting my livelihood. I need this handled and have no idea what to do. No one has any idea what they are doing when you call. The whole company feels scammy and like a slumlord runs it.

      Business Response

      Date: 12/30/2024

      Hello,
      LGM appreciates the Better Business Bureau's communication in helping us resolve any customer service issues. We regard customer service as the focal point of our business and are committed to maintaining exemplary support and service for our customers.

      We appreciate your patience as we work to resolve this matter. Attached is the electronic copy of the lien release. We hope this will satisfy the customer and help the BBB mark this complaint as closed.

      Should the customer have any additional questions or concerns, please contact our Customer Service department at *************

      Best Regards,
      LGM
      Customer Service Department

    • Initial Complaint

      Date:11/25/2024

      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 was told by ************************** that I was unable to cancel my auto pay and they charged me anyways. It states on the website that YES you can cancel payment at any time. She was absolutely rude and unprofessional. She refused to let me speak with a supervisor.I have never in my life heard of a company saying there is no way to communicate with a supervisor. LGM is the worst place I have ever dealt with in my life.

      Business Response

      Date: 12/04/2024

      Hello,

      LGM appreciates the Better Business Bureau's communication in helping us resolve any customer service issues. We regard customer service as the focal point of our business and are committed to maintaining exemplary support and service for our customers.

      We appreciate your patience as we work to resolve this matter. Unfortunately, the customer called the day before the payment was processed and wanted to push the payment back one week. The customer was told that since the payment is scheduled for the next morning that there was not sufficient time to move the payment or cancel the transaction.  An LGM Representative tried to advise the customer that 5 business days prior to the transaction date is needed.

      The total amount paid on the account is $1,103.18. If the customer would like a refund check or would prefer that $1,103.18 be refunded back to the card(s) that it was processed from. The customer can email ******************************** an answer on which option they would like to take.

      Should the customer have any additional questions or concerns, please contact our Customer Service department at 330-439-5721.

      Best Regards,
      LGM Finance                                                                                                                                                                                            
      Customer Service Department

      Customer Answer

      Date: 12/04/2024

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.




      [To assist us in bringing this matter to a close, we would like to know your view on the matter.]



      Regards,



      ***** ******









       

    • Initial Complaint

      Date:10/25/2024

      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.
      On October 9th, I made a $100 good faith payment with Olivia so that my next 2 payments could be deferred. I confirmed with her on 10/11. However the next 2 payments were still automatically withdrawn from my account, I made my 2 $244 payments plus what I had already given them. She promised on the 12th the next 2 would be deferred, they were not. Upon my discovery, I have reached back out to them and they said they couldn’t do anything. All they can do is try to do it again, I was informed by Peter that the approval time is 24hrs and Reon informed me that this is typically approved when a person is a long term customer and is in good payment standing, both gentlemen hung up on me when I demanded something be done to correct Olivia’s mistake. Xavier insisted that they aren’t doing anything for me “for free” and said that the $100 was for my car payment not just because. They did not uphold their end of the contract, I was not supposed to be charged for this payment or the next (10/25 & 11/08). I have had to go back and forth and be hung up on by several employees all do to Olivia’s negligence, I would stop payment from my bank but I don’t want my vehicle to be locked down, even though I about 6mos left on the loan they do not hesitate to utilize this wrangling tool. Which is why I am so adamant about being made whole, I followed the instructions they gave me and they still dropped the ball and it’s costing me financially.

      Business Response

      Date: 11/12/2024

      Hello,
      LGM appreciates the Better Business Bureau's communication in helping us resolve any customer service issues. We regard customer service as the focal point of our business and are committed to maintaining exemplary support and service for our customers.

      We appreciate your patience as we work to resolve this matter. Our records show that the customer did not provide LGM with the document that was needed to complete the deferments. On October 25, 2024, two weeks late and no longer eligible for the deferment, the customer emailed the document.

      Unfortunately, A deferment is a courtesy and not something the LGM Auto Finance has to do. 
      As a one-time courtesy LGM went ahead on October 31, 2024, and deferred two (2) monthly payments. We deferred the account before receiving this complaint. 

      Should the customer have any additional questions or concerns, please contact our Customer Service department at 330-439-5721.

      Best Regards,
      LGM
      Customer Service Department

    • Initial Complaint

      Date:08/19/2024

      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 told them cancel my payment for car and would not be making anymore payments until warranty repair honor my warranty repair my car and took out my account to early was suppose be taking out August 18, 2024 not August 1, 2024

      Business Response

      Date: 08/29/2024

      Hello,

      LGM Auto Finance appreciates the Better Business Bureau's communication in helping us resolve any customer service issues. We regard customer service as the focal point of our business and are committed to maintaining exemplary support and service for our customers.

      We appreciate the opportunity to address the customers' concerns. According to our records the customer did not mention wanting to cancel automatic payments. They did in fact give us a different card to start taking the payments from. The customer also mentioned they were having mechanical issues with the vehicle. At which time, the representative recommended that the customer contacts the Service Department at the dealership where the vehicle was bought. At no time were there ever conversations about stopping payments. Due to the above-mentioned facts, we do not believe a refund is needed, however as a gesture of goodwill we stop the automatic payments moving forward. 

      Please be advised that the customer still has a contractual obligation to ensure their account is in good standing.

      Should the customer have any additional questions or concerns, please contact our Customer Service department at 330-439-5721.

      Best Regards,
      LGM Auto Finance
      Customer Service Department

    • Initial Complaint

      Date:08/01/2024

      Type:Billing Issues
      Status:
      Resolved
      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 my auto loan through this company. At the beginning of June, I was going through my account as I wanted to understand how much of the principal has been paid down. The provided payment receipts do not show the breakdown of principal vs interest and so I reached out to the company to ask for this information. This information has been readily available on all payment info in other car / personal loans, and given this is the company that the loan is through, I expected them to have this information. However, over the last 2 months, I have been in circles with this company about getting this information. They cannot provide me with the information or a way to get the information, and again, as the lender, I find this unbelievable. I simply want the breakdown of principal vs interest on my monthly auto loan payments. The initial loan was for just under $31k, and I just want to be able to monitor my progress. I have been on time with every single payment, and I am working to pay down all my debt, and this is part of that process. I don't believe I am asking for anything special or difficult, as again, this information has been readily available on all previous auto / personal loans I have had, and especially the fact this business is the lender.

      Business Response

      Date: 08/12/2024



      Hello,
      LGM Auto Finance appreciates the Better Business Bureau's communication in helping us resolve any customer service issues. We regard customer service as the focal point of our business and are committed to maintaining exemplary support and service for our customers.
      We appreciate your patience as we work to resolve this matter. Attached is the customer's transaction history.

      Should the customer have any additional questions or concerns, please contact our Customer Service department at *************
      Best Regards,
      LGM Auto Finance
      Customer Service Department

      Customer Answer

      Date: 08/12/2024

      [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. Thank you so much for your help in resolving this matter. This is all I was asking for from them and appreciate finally receiving it. 



      Regards,



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




    • Initial Complaint

      Date:06/02/2024

      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.
      The company LGM does not fallow Ohio loan laws, nor do they contact there customers about double payments. This company does not cumunicate back when customers reaches out to them about concerns about there loan and restricts acses to customers accounts so they can not see there loan balance or other information. In conclusion the company known as LGM is bad with and for the consumers and do not fallow Ohio laws and regulations with loans of any kind.

      Business Response

      Date: 06/04/2024

      Hello,

      LGM Auto Finance appreciates the Better Business Bureau's communication in helping us resolve any customer service issues. We regard customer service as the focal point of our business and are committed to maintaining exemplary support and service for our customers.

      We sincerely apologize for any inconvenience caused. Please note LGM has not violated any laws. It is important to note this error occurred outside of our usual business hours, as well as the customer's correspondence. When we returned the next business day during operating hours, we identified and rectified the error. Please refer to the attached receipt dated 6/3/2024, which shows the refund of payment correcting the double payment.

      Should the customer have any additional questions or concerns, please contact our Customer Service department at 330-439-5721.

      Best Regards,
      LGM Auto Finance
      Customer Service Department

    The LGM Company is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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