Reviews
This profile includes reviews for Foundation Finance Company, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 83 Customer Reviews
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Review fromDekisha R
Date: 08/17/2026
1 starI was writing to formally dispute the handling and investigation of a credit inquiry associated with a loan request that I initiated through a third-party contractor.I was a consumer seeking financing through the contractor. However, I was not approved for the loan, I did not receive any loan funds, and no work or services were ever performed by the contractor. Therefore, there was no completed transaction that resulted in me receiving any financial benefit, goods, or services.After learning that the loan was not approved, I requested that the inquiry be removed. I was advised by Foundation Finance that the contractor would have to contact your company in order for the inquiry to be removed. I should not be required to rely on a third party to correct an issue concerning a credit inquiry associated with a transaction that was never completed.Foundation Finance's refusal to address my request directly and its decision to redirect me to the contractor has not resolved the existing problem. The fact remains that I received no loan proceeds and no work was performed.I am therefore requesting that Foundation Finance immediately investigate and remove the disputed inquiry from my credit reports if you cannot substantiate a valid permissible purpose for maintaining the inquiry. I am also requesting written documentation explaining the basis for continuing to report or maintain this inquiry if Foundation Finance refuses to remove it.
Foundation Finance Company, LLC
Date: 08/28/2026
Thank you for bringing your concerns to our attention. Foundation Finance has provided a written response to your complaint through the formal channel used to submit your complaint.Review fromCarol H
Date: 08/12/2026
1 starThe WORST company I've ever worked with. They are unreliable and do not do what they promise. i've tried for 4 months to get setup on autopay to no avail. They never sent me copies of my original contract and provide horrible customer service. DO NOT USE THIS COMPANY!!!Foundation Finance Company, LLC
Date: 08/13/2026
Thank you for your feedback. A member of our team will be reaching out to confirm your current autopay setup, ensure you have received a copy of your contract, and address any other concerns you may have.Review fromjeanette b
Date: 07/27/2026
1 starWe were able to obtain a loan to pay off this loan, but before paying off we called to see if by chance this company would give us a discount. We explained we are in a fixed income and things were tight. It was denied because without our permission they went in our credit to see if we were behind on any other bills. This company does not know what we had to do to stay afloat. All I know is we just wanted some help. Not to go into our business. We had never been late in the 2 years we had this bill. That is not right what they did. Infringe on our privacy is against the law.Foundation Finance Company, LLC
Date: 07/29/2026
Thank you for sharing your experience. Our team follows established procedures when reviewing account requests, and we strive to handle every interaction with care and transparency. If you'd like to discuss your experience further, please contact us directly at REMOVED.Review fromBeverly R
Date: 07/22/2026
1 starMy experience raises concerns that Foundation Finance's lending and disclosure practices may disproportionately affect senior citizens and other consumers who rely on clear, complete explanations of loan terms before entering into a financing agreement. Deprived of the opportunity to fully understand that the loan carried a HIGH APR and the substantial finance charges that would be added to the amount REMOVEDCitizen Houston,Tx REMOVEDFoundation Finance Company, LLC
Date: 07/27/2026
Foundation Finance is an indirect consumer finance company that takes assignment of contracts from home improvement contractors who negotiate the sale terms with their customers. We also make sure all contract terms are fully disclosed and reviewed with customers prior to contract signing. A member of our account servicing team will reach out directly to review your account and address any remaining concerns.Review fromMalinda G
Date: 07/11/2026
5 starsJacob REMOVEDand Juan REMOVEDthey were very nice, and they explained things where could understand it. Told us exactly what they going to do and very friendly and shook our hands as they where leaving.Foundation Finance Company, LLC
Date: 07/15/2026
We're happy to hear that your contractor provided such a great experience. We'd like to clarify though that Foundation Finance Company is an indirect consumer finance company. We partner with contractors to offer their customers convenient financing options. While REMOVEDand REMOVEDaren't Foundation Finance employees, their professionalism reflects the quality of the partners we work with.Review fromGreg B
Date: 06/30/2026
1 starThis company has given me the runaround for over 3 weeks when a payoff letter was requested. They insisted it was e-mail, but never received. When the postal request was sent, it was the original application from 3 years ago. Finally had to have the bank on a 3 way call to get them to actually fax the payoff. Would not recommend them.Foundation Finance Company, LLC
Date: 07/02/2026
We apologize for the frustration in obtaining your payoff information. Our records indicate payoff quotes were emailed several times beginning with your initial request; however, it appears those communications may not have been received on your end. We're glad our team was able to connect directly with your financial institution though to ensure successful delivery. Please don't hesitate to reach out if you have any remaining concerns.Review fromAriel B
Date: 06/29/2026
1 starREMOVEDPREDATORY LENDERREMOVEDThe application of payments is ridiculous. They don't allow principal only payments. Any extra amount paid will always be applied to interest first. Please take caution.Foundation Finance Company, LLC
Date: 07/01/2026
Foundation Finance offers simple interest contracts. Interest accrues on a daily basis and decreases as the principal balance is reduced. You can make a payment above your minimum monthly payment amount or make additional payments between scheduled due dates that will reduce your principal balance more quickly. A member of our account servicing team will reach out to discuss this directly with you.Review fromDolly L
Date: 06/04/2026
1 starThis company lacks transparency in fund distribution between principal and interest, raising accountability concernsFoundation Finance Company, LLC
Date: 06/08/2026
Foundation Finance contracts are simple interest, like many installment financing plans. Interest accrues on a daily basis and decreases as the principal balance is reduced. Your TILA disclosures show the total interest to be repaid and total time to repay if you make only the minimum payments exactly on the due date each month. If you pay extra/early, you may reduce these amounts. Please reach out to us at REMOVEDif youd like to discuss specifics of your account.Review fromChristopher C
Date: 06/01/2026
1 starFoundation Finance Company, LLC Is a "Terrible" Company, that treat their "Senior" Citizen like "REMOVED" (Stay) "Away" from this company, they (Try) to (Rip) people off, with "Double payment(s) & try to charge with "Late" Payments. I am Living on Social Security & can (Only) (Pay) when I get "Paid"...........Its (Both) "Pitiful & Sad".........!Foundation Finance Company, LLC
Date: 06/03/2026
Thank you for your feedback. An account representative will be reaching out to you directly to review your account details and address your concerns.Review fromjordan w
Date: 05/27/2026
1 starIn 12 months of my pool loan, my interest payment somehow went from 80 a month to 562 a month. Each month I over paid by 200. Out of 5,000, only 1,600 went to principal in a year. First call the lady hung up, no I was not rude. The second try to state each month there was an outstanding interest even though I paid over the loan amount. They couldn't explain why my interest payments went from 80 to almost 600 a month. 11.9% interest is $9.40 a day of interest but you somehow charge me 300-600 each month? It's a scam of a company. Paid the loan completely off. I am a very petty person. Being that I 100% know that they did not follow their own contract, it will be sent to my lawyer just to have fun. So when I bring them to court over breach of contract, I will post online so others can see how they are being scammed as well. Stay away from this company.Foundation Finance Company, LLC
Date: 05/29/2026
Hello. Our statement format did change in September 2025. Statements before September showed interest already accrued at the time of the statement generation. Statements after September display the projected interest that will accrue by the payment due date. There is also now an important message section that explains what is considered in the interest calculation.A member of our Account Servicing team will reach out to ensure you have a full understanding of your statement details. Your satisfaction is important to us, and we want to make sure you feel confident and informed about your account.
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