Customer ReviewsforChallenge Financial Services Inc

Terrible service very disrespectful Workers Im having problems with showing them that I have full coverage insurance and theyre still charging me 780 every few months when I have full coverage insurance, I try to get a hold of someone else higher than the manager, Im speaking to and all he does is hang up and says I have to go through him for everything so try again. Its not fair when I feel stuck with no one to contact for help when they know theyre in the wrong all they ever want to do is threaten me with is theyll just pick up my car when I always pay my car payments knowing thats the way I get to and from work its not fair and I really want to get a hold of someone higher than just this office in ****** !!

Hi Destiny, Challenge Financial Services is committed to providing the best customer service and experience for our clients. On occasion there is the possibility that a misunderstanding may occur of how things are done on their account. Sometimes with a more detailed explanation these type issues can be easily resolved. We would appreciate the opportunity to look into your concern. Can you please call in to discuss further @ ************,Respectfully,***** R

This company is by far the worst financial company EVER! Seems they only hire people who are RUDE, DONT WANT TO LISTEN, CUSS YOU OUT, THREATEN YOU and more to say the less. I was dealing with ****** in the legal department. Most unlikely customer service manager representative I have ever dealt with! My bank account was hacked had several chargebacks were done on my account including 2 from challenge. I was Working with the bank on resolving the issue, it had to go thru fraud department and investigation which took time and Challenge and ****** had no compassion to wait give me time to let bank figure it out and reverse the chargebacks! Continue to text me the vehicle would be repo, surrender the vehicle or we will come look for you! Talked very rude to me wouldnt even hear me out! Would even raise her voice! Then she didnt like that I spoke back to her how she was to me and then said shes blocking my account so I cant make any payments and processing my vehicle as stolen! Very rude customer service at this place dont know how there still in business! Taking peoples money and then adding all kinds of extra charges! So I paid $796 dollars to then have the bank reverse the chargebacks later! No compassion for something that was out of my control! I cant wait to get this loan out of this companys hands! Ill leave as many reviews to get this place shut down

We appreciate Ms. Delatorre taking the time to contact us to express her concerns. I am very sorry to hear that her experience with the account representative did not meet her expectations. Our records show that on 04/03/2024 our customer spoke to our servicing Manager, Ben M. and addressed her concerns directly and came up with an action plan to resolve her concern which has now been addressed. Please accept our sincerest apology for any trouble or inconvenience we have caused you. Again, we appreciate your feedback as it allows us to take measure towards a better customer experience in the foreseeable future.

Any one who has suffer repo from this company know ur rights if I given a down payment its fraud if theyre repo ****** u can ask for the balance left on your loan they are know you commit fraud on contract villegastrees gmail contact me

Our response is that we have zero evidence to support these allegations. In fact, ****************** signed the purchase contract and all other documents normally signed during a sale in ** involving the financing of an automobile. We were provided with normal documentation for proof of identification (specifically, we have photocopies of ****************** CA Driver License. as well as proof of income (copy of his bank statements). These are documents that the dealership would not have been able to provide to us unless the complainant voluntarily gave them to the dealership, therefore CFS is confident that the sale was WITH ******************** consent. Additionally, we have compared the signatures on the contract to those on his CA Driver License and compared the signatures on the contract to those on his CA Driver License and find them NOT to be forged.

Would give a zero if I could. I made an arrangement dec of 22 to have the payment sent to the rear. Made a aggreed partial payment for ******* and now where in February and the car was repo. I'm more then ************************************************************************* December. The car only had 7k left to pay on it. Challenge refused to let me return the car the first day I got the car. It needed turbos. Engine and ***. Which I was stuck paying for. Challenge did not care. I put more then 10k in the car to keep on the road. All because I didn't want it to hit my credit. Now they took the car that has more value then what it was worth when I got it. ****** how that works. I bet I'll also be sued to pay the rest off. They give me a lemon and was forced to keep and repair it. For them to take it when I'm not even a month late.

We would like to thank ****************** for bringing his concern to our attention. After reviewing our records, we have determined that Challenge Financial Services did not violate any internal policies and procedures, nor did it violate any regulations or laws regarding debt collection. On 05/06/2021; ****************** signed the purchase contract and all other documents normally signed during a sale in AZ involving the financing of an automobile. On 06/04/21; ****************** called in to complete his welcome call and spoke with an account representative, ****************** was asked if any issues with vehicle, ****************** indicated no issues with vehicle and understood vehicle was bought as is. On 12/10/21; ****************** called and indicated replaced the turbo(s) in the vehicle and was advised no extended warranty was purchased at time of sale. ****************** understood, made his payment and had no further questions. On 10/15/22: ****************** called in stating vehicle having mechanical issues but agreed to continue with the monthly terms. On 12/07/22; ****************** called in to let us know has no money and was not sure when will have, no arrangements made. On 01/11/23; Challenge Financial Services learned ****************** moved to ******** and failed to call in to update new contact information when ****************** made a partial payment thru our website on the same day. Challenge Financial made several attempts to reach out to ****************** for assistance which resulted in the repossession of the vehicle. We still would like to offer provide the best mutual solution to resolve this issue. Should ****************** should be willing, we are amenable to settle the outstanding debt with Challenge Financial. Please call our ******************* at #********************* and we will be more than glad to further discuss your account

I have financed many cars in my life and this financial service has to be the worst by far. They took over my contract on- feb,7th it's Feb 13th and the put a repo out on my car over a misunderstanding via the banks. Is been a absolute nightmare trying to talk and work things out with my case worker, ************, in customer service. She was very rude, unprofessional, disrespectful, demanding, unethical, and showed extreme mercilessness. She never explained to me that my account was now under a different lein holder. . She never intruduced herself to me. She called repeatedly and aggressively before i got writing verification that cfs was now incharge of my account. She never informed me of any delinquentcy. She just called and asked very frankly " is this--- ? are you ready to make a payment. Pay today or we will repo your car." I tried to explain my confustion via the banks.and she argued with me. Stating I wasn't on the phone with anyone from the cfs today. when I was. She refused to transfer me to her manager. I had to call the main number and I cleared everything up via her manager. I will be seeking a new lein holder. Nasty and mean women.

******************, We do thank you for taking the time to report your poor experience with our company. It is unfortunate we are unable to review the specifics of your experience with our company without your personal information. We do take all customer complaints very seriously and prefer to address them promptly in an attempt to improve all of our customer's experience. It is customers, like you, who make us aware of the need to strive for improvement in our customer service. Please contact me @ ************. Thank you, **************Customer Advocate

************************************, we do thank you for taking the time to report your poor experience with our company. It is unfortunate we are unable to review the specifics of your experience with our company without your personal information. We do take all customer complaints very seriously and prefer to address them promptly in an attempt to improve all of our customer's experience. It is customers, like you, who make us aware of the need to strive for improvement in our customer service. Please contact me @ ************. Thank you, ************** Customer Advocate

Worst experience ever! They illegally financed my vehicle for more than it was worth according to carfax. The carfax value showed $300 however the loan that i was given by challenge financial was for $8000. I made the first month's payment for $300 and never received a formal contract from the company nor the title showing that I paid off the worth of the car. The car didn't even work and sat in the parking stall, but I was threatened with repossession of the vehicle that needed over $6000 worth of work. The failed to show up to reposes the car. I was not even allowed to trade the vehicle or have the loan used for another vehicle. I conceded the contract and have yet to receive a refund for my downpayment and monthly payment.

We are very sorry to hear about ****************** concerns regarding her account. We are grateful that you shared feedback with us here to make us aware of your concerns with your vehicle purchase. On occasion there is the possibility that a misunderstanding may occur of how things are done on their account. Sometimes with a more detailed explanation these type issues can be easily resolved. In fact, that is exactly what has happened here. ****************** has since reached out to us and have resolved her concerns by closing her account with no negative impact on her credit. Once again, please accept our sincere apology for this unfortunate incident and thank you for letting us know about it.

I purchased a 2011 Infinity which Challenge Financial financed for me. My car was impounded police and was released. I am a truck driver that goes all *****************, so my son drives it. Less than a week later it got impounded a second time. I spoke with Art and I told him I would not be back to ********** until Tuesday this was on a prior Wednesday. I call him Monday and he tells me recovery does work the weekends. Let me look into it. He never calls me back. The first time it got impounded he threatened to repo it if I didn't get out quickly. He told the would be charged. So now my car has been there for 7 days. Art said it would save me money because they can get. All the runaround is unacceptable. *** tries to over talk and doesn't listen. I need to speak with his boss. Asap

On Friday October 21, 2022, I personally called our customer, *****************************, to listen to her and discuss her BBB negative review. I let her know I reviewed all of the account notes so am aware of the situation. I informed her that her account is not in payment default so not a repo and I will double check to ensure that her credit reporting does not show as such. As far as why it took from October 12th when we received notice of her vehicle being impounded again, until October 19th when the vehicle was secured was because we use 3rd party licensed recovery agents and cannot control their work flow. I gave a recap of the situation and an up-to-the-minute update. Specifically, that our recovery agent did secure the vehicle from the impound yard on October 19th and the nearest auction was notified the next day to pick up the vehicle from the agent. Adesa Auction in ***** did so earlier today and I confirmed the vehicle is now at their facility. ************** was given Adesas address & ph# to make an appointment for her to pick up the vehicle, and was informed of the required Authorization for Release and fees needing to be paid directly to Adesa. By the end of our conversation ************** said she was very satisfied now. Thank you, *********************** Manager

I got finance by this company for my company vehicle and I wish I wouldve checked out the reviews before signing documents there a customer service its really bad very rude most of the people that I have talked to that all have an attitude and absolutely no help so if youre looking at this company for financial I wouldnt bother go with somebody thats going to take care of you and you actually mean something

Thank you ****** for taking the time to communicate to us why our service did not meet your expectations recently. Our records show that on 9/1/5/22 you spoke to our Servicing Manager, **********, and addressed your concerns directly and came up with an action plan to resolve your concern. Please accept our sincerest apology for any trouble or inconvenience we have caused you. Again, we appreciate your feedback as it allows us to take measure towards a better customer experience in the foreseeable future.Cordially,************ Customer Advocate

Sophia=kind,patient,supportive,great attitude,willing to go above and beyond to work with you. Amazing overall.i truly recommend challenge financial. They got your back.

*********, Your feedback is great to hear. We have worked hard as a team to make our customers feel appreciated. It so nice to see it paying off. Many Thanks!

Horrible customer service! Manager Art absolute jerk .Talk to me like I was a complete imbecile I trying to explain my situation.As he kept talking over me about my late fees.Who ever the owner is you should really start your company over hiring good .staff.Not complete morons..Zero people skills.Cant wait to pay this car off your company deserves a zero.

We would like to thank **************** for bringing her concerns to our attention. After reviewing our records on her account, we have deternined that the communication did not violate any internal policies and procedures, nor did it violate any regulations or laws regarding debt collection. We take all of our customers concerns very seriously and we strive to improve our customers experience with our company. We regret that **************** felt demeaned and not listened to. We emphasize with our employees the importance of listening to our customer regarding the issue(s) that are contributing to their delinquency. Our efforts toward communicating with **************** on the phone in the past have not typically been met with success, so we are glad to see that on 3/4/22, a pre-set payment in the amount of $541.92 was arranged to take place on 3/17/22. This $541.92 will pay the delinquent amount due for February, all accrued late charges, and the upcoming 3/20/22 regular payment of $339.35, bringing the account fully up-to-date.In the future, if **************** experiences a situation that makes it unlikely for a payment to be made by her due date, she may contact her Representative, ********* at *********************** to inquire whether alternative arrangements may be possible.