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Business Profile

Consumer Finance Companies

Evergreen Services

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

Complaints

Customer Complaints Summary

  • 49 total complaints in the last 3 years.
  • 3 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:10/02/2024

    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.
    I took out a loan from Level up Funding in late May for $1600.00. As of 10/01/2024 I have made payments in the amount of $ ******* and the loan will continue til 01/31/2025 in which another $2291.04 will be paid. Is this legal?

    Business Response

    Date: 10/11/2024

    Please see the attached response

  • Initial Complaint

    Date:08/27/2024

    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 contacted Evergreen Services for a full breakdown on what I owe on Balance of loan ******* times to give me a breakdown on an invoice on what I owe on Balance Im unaware of what Ive paid out because I dont have inquiry to do so that I have requested

    Business Response

    Date: 08/28/2024

    Please see the attached response

    Customer Answer

    Date: 08/28/2024

    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.

    [Please type your response here.]

    Regards,

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

  • Initial Complaint

    Date:08/24/2024

    Type:Order 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 to file a formal complaint against Evergreen Lending, a company that has engaged in predatory and unethical lending practices. As a disabled single mother of two, I have been severely taken advantage of by this unscrupulous company.Evergreen Lending preyed on me during one of the most vulnerable times in my life. Fully aware of my financial difficulties and inability to repay a loan, they nonetheless pushed me into an agreement that I had no realistic chance of fulfilling. They callously disregarded my circumstances, which I made clear during our interactions, and lured me into a loan with exorbitant interest rates that have now spiraled out of control.Despite my initial reluctance, Evergreen Lending pressured me into signing an agreement that has since become an unbearable financial burden. Their predatory tactics have placed my family at risk, further compromising our already precarious situation. They knew exactly what they were doingtargeting someone they believed would have no other options and then trapping me in a cycle of debt that I cannot escape.The interest rates they are charging are unconscionable, bordering on criminal. Evergreen Lendings behavior is not just unethical; it is predatory and exploitative. They have preyed on someone in a dire financial situation, and their actions have caused significant distress and hardship for me and my children.I am requesting that the Better Business Bureau take immediate action to investigate Evergreen Lendings practices and hold them accountable for their predatory behavior. No company should be allowed to operate with such blatant disregard for the well-being of its customers.I demand that ******************** Lending be held responsible for the financial and emotional damage they have caused. I urge the BBB to take strong and decisive action to prevent them from victimizing any more individuals in desperate situations.

    Business Response

    Date: 08/28/2024

    Please see the attached response.

    Customer Answer

    Date: 08/29/2024

    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.

    While I appreciate the businesss response to my complaint, it does not resolve the issues I experienced. The loan process was rushed, and the extremely high interest rates were not properly disclosed to me. This practice is predatory and takes advantage of individuals in vulnerable situations. I am seeking a review of this loan and a revision of the terms to reflect fair and transparent practices.

    Thank you for your attention to this matter.



    Business Response

    Date: 09/11/2024

    Please see the attached response.

  • Initial Complaint

    Date:08/02/2024

    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.
    This company will extort you! Ive used them several times as Im a single mom and have always made my payments. Ill be so close to finishing a loan payment and they will reach out for more money. With inflation and the rising prices, I took out a loan with a payment of $222. For a $900 loan!!!!!! Ill be paying close to $5000 when Im done. I couldnt make a payment ONE TIME and they threatened to report me as delinquent. Even after 1 day!!! I dont even have a credit history with them for on time payments but 1 day late and they want to report me!!! This company is illegal and they are extorting innocent people who can barely make it work. Im requesting that this loan be closed out and paid in full. Its damaging my livlihood trying to pay it back

    Business Response

    Date: 08/05/2024

    Please see the attached response.

    Customer Answer

    Date: 08/05/2024

    [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. 

    Regards,

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

  • Initial Complaint

    Date:06/16/2024

    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.
    This is my second loan with evergreen, the first one I took out because work slowed down and was in need of funds. It was a $300 loan, when I came close to paying off I was offered to pay off principal only and I qualified for $750. Unfortunately I made the mistake of taking it because we had a death in the family and was in need of extra cash. However I feel like these payments are only getting higher. Ive paid $300 over the $750 borrowed and still have $2000 plus I owe which is ridiculous! I cant afford these payments anymore they are just too high and a $750 loan costing $3000 once its paid back is taking advantage of people. I am asking that my account is considered paid in full Ive already paid over the amount I borrowed, I just want to close this account or find some resolution because this is just too much I cant afford it anymore.

    Business Response

    Date: 06/18/2024

    Please see the attached response.

    Customer Answer

    Date: 06/18/2024

    [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. 

    Regards,

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

  • Initial Complaint

    Date:04/26/2024

    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 needed emergency money to cover unexpected bills that needed to be paid ASAP. After shopping around for a same-day loan, I settled on 3/1/2024 with taking on a loan Evergreen as I needed the money in my account same day and they ensured that this would be the case. They also made multiple calls and even sent several texts to me to accept a loan with them. On accepting the loan, I did not receive the borrowed amount until a couple days later leading to additional charges from the time-sensitive bills for which I needed the funds. The representative I spoke with prior to accepting the loan gave no mention of the full loan term, expected total cost, or APR. In hindsight, I believe this was intentional as if this was mentioned, then Id definitely not accept the loan. I borrowed a total of $550 and will have paid a total of $709.75 as of April 30th. Based on the payment schedule, not a single cent of the $709.75 has touched the principal of the loan. The first two payments were labeled as finance charges and were a whooping $165. Also, this is a 22 month loan with a ASTRONOMICAL total cost of $2,612.50. The APR of the loan is ******%. This is not only HIGHLY predatory lending behavior, but it also breaks several federal and state laws by extreme amounts (maximum APR - cap at 38% for this length of a term, maximum finance charge - cap at ~$45; etc.). I cannot afford to pay these payments and do not have the funds to cover the payoff amount which needs an ADDITIONAL payment of nearly $800. I cannot believe that this company is allowed to take advantage of desperate consumers that are ALREADY struggling financially such as myself by engaging in these predatory practices and lock them into such a lengthy loan. This is just highly immoral and breaks several laws that were put in place to protect consumers such as myself. In conclusion, Im requesting that my loan be considered paid in full as I have already paid $709.75 as of 4/30 which is less than 2 months.

    Business Response

    Date: 04/30/2024

    Please see the attached response.

  • Initial Complaint

    Date:04/02/2024

    Type:Order 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 took out a loan of $350 and payed back a total of $450. I payed over the minimum payment every time. This company wants me to pay an additional $382 or they are threatening to put me in collections.

    Business Response

    Date: 04/04/2024

    Please see the attached response.

    Customer Answer

    Date: 04/04/2024

    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.

    [Please type your response here.]

    Regards,

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

  • Initial Complaint

    Date:02/26/2024

    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 NO IDEA WHO THIS COMPANY IS AND THEY HAVE TAKEN $99.96 FROM MY PAYPAL ACCOUNT FOR NO REASON AND I WANT MY $ BACK...

    Business Response

    Date: 02/29/2024

    Please see the attached response.

  • Initial Complaint

    Date:02/19/2024

    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.
    I have used Evergreen services 3 times. The first two loans I took out I paid right back on the first payment. The last loan I took out was for $500.. I was not able to pay that back right away. So my loan payments begin coming out on December 1, 2023. And they take a payment every two weeks. It is now the middle of February and I have sinced paid off the $500 plus. Yet by their guide lines say my loan won't be paid in full until I have paid off $2335.. That is completely ridiculous and unethical to do to someone. I also was checking my credit score for another reason and I don't see them on there anywhere. I asked them when it came to me acceptimg this loan would it help my credit score increase if my payments were on time... I was told yes.. Every payment they've taken has been on time. Yet they aren't even on my credit.. So, They lied! What kind of company is this if the loan isn't even showing up as a payment or being monitored as a loan?.. So I looked it up and found out that this is completely illegal. I figured as much. Now I'm going through something and these payments are getting harder to pay.. I have made 6 payments totaling $934... They are saying I owe 16 more payments.. That's crazy.. For a $500 loan.. Please.. That's not helping. I will never do this again.. I would like them to consider my loan PAID in full and to stop taking my money out of my account that I need. I have paid the $434 over what they gave me. I can not pay anymore and take care of my lively hood which to me is important.. Please close this loan.

    Business Response

    Date: 02/22/2024

    Please see the attached response.

    Customer Answer

    Date: 02/27/2024

    [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. 

    Regards,

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

  • Initial Complaint

    Date:02/09/2024

    Type:Product 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 refuses to respond to emails. I've emailed three times now and one of them was to revoke permission to take automatic payments. They ignored every one and took maymentnout of my account which left me overdrawn. This has been an awful experience.

    Business Response

    Date: 02/13/2024

    Please see the attached response.

Evergreen Services is NOT a BBB Accredited Business.

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