ComplaintsforEastern Financial Services, LLC

• Initial Complaint

  06/24/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been having problems since I first financed my car through them in August of 2023. Actually prior to that, I used them to finance a ****** Sentra. They took so long giving the dealer the check that the dealer nulled the whole contract and took my car back after I had already but 1500 into the car. I then financed a 2011 Rav4 through them and because they didn't fully complete the title it took over four months for me to get tags on my car. This time he (the owner) repossessed my car and then told me he'd take a payment plan to get me back in my car. I gave him $600 upfront and he has been giving me the run around for a week and a half when all he has to do is send a confirmation to the lot that I can pick my car up.

  Business response

  06/24/2024

  At the present time ******************** paid $600.00, she was due for March 2024 in the month of May. ******************** has to pay her account completely current plus the $650.00 reposession expense to the the vehicle back. Her vehicle was past due and breached the legal binding contract she signed. 

• Initial Complaint

  05/15/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I bought a car from the company in 2015 I had my dad accompany me since I did not know about cars. I sign my contract and during that I was provided the option to have gap insurance and I was informed that my payment would be $350 instead of the original $300. I signed the contract for $350. During my contract my car had gotten flooded during a hurricane where I lived in ********** **. My insurance had notified me that they would mark the car totaled a check would be issued to the finance company. during this time the company harassed me about making payments which i continued to inform them a check would be issued, due to the harassment I contacted my insurance company to inquire about the car an i was informed a check was already sent an that the company had cashed the check at **** of America and the time and date an also provided me the copy of the check. upon receiving the information I contacted the company an then i could no longer reach ****** after I informed him about the check. I never received notification or another response on the car. In 2017 I was incarcerated for a year was released in 2018. I went to purchase another vehicle an I was informed the car loan was still on my credit and I learned Mr. ****** dismissed the gap insurance applied the check to the account as if I made payments as if I made them monthly to keep the vehicle on my insurance. the car dealer contacted ****** due to them being acquaintance an ask him if he was willing to work with me an Mr. ****** replied yes, I denied the help due to the circumstances. If I owed $13000 to Eastern Finacial that according to ****** since 2015, why would he be willing to lease me another vehicle I have tried to dispute the matter due to the negative impact on my credit and prevent me from getting a new car and the company falsely provides that the account is correct when I have not made a payment since 2015. I have asked for a copy of my contract an i was i formed Mr ****** did not have it an

  Business response

  05/15/2023

  It is 2023 and now ****************** is issuing a complaint. The reality is she could not afford the the payment with ************* which is why its not included in her contract.  My company lost money on this vehicle because of the accident which we wish would not have happened to either party. We would be more than happy to settle for what she still owes. She has been sent the contract many times and we will be glad to forward them again.

  Customer response

  05/15/2023

   
  Complaint: 20057875
  
  I am rejecting this response because: I would like to see the record of the attempts to send me a contract or any papers about this vehicle. Also, i would like the original copy of the contract. I would like to know why he added payments falsely i did not make to keep this revolving on my credit an i have attempted multiple disputes an all he has done is state my account is correct not once has he provided me a copy of my contract an if i could not afford the payment of the gap insurance why was i paying a $350 car note. This is not the first time this company has gotten a dispute from me 

  
  
  Sincerely,
  
  ***************************

  Business response

  05/15/2023

  The check issued is from her ***************** and DID NOT, pay the vehicle off as this was not a interest free loan. I will be more than happy to forward the legal binding contract signed given the accurate address to send to.

  Customer response

  05/17/2023

   
  Complaint: 20057875
  
  I am rejecting this response because: You have stated that you have tried to contact me my address has never changed so how are you asking for my information if i has never changed my address? I also spoke with my parents on the mail an asked if anything about this vehicle had been mailed to me during my period of incarceration an there was nothing an i would like to see the check that was sent to you that you cashed at one time that should have been applied to the account in one lump sum vs you trying to make it appear that i made monthly payments that i was not here for due to my incarceration but you applied it as payments so it could appear on my credit report longer then it was supposed to appear 

  
  Sincerely,
  
  ***************************

  Business response

  05/18/2023

  You can reject whatever you want. You owe Eastern Financial Services from the deficiency left over of what the insurance did not pay towards your account. We are more than willing to send you a letter of accounting for your account and help you resolve this matter in any way that we can.what is on the credit bureaus will not be resolved until you have satisfied the deficiency balance.

  Customer response

  05/18/2023

   
  Complaint: 20057875
  
  I am rejecting this response because: I have yet to recieve the contract with all documents
  
  Sincerely,
  
  ***************************

• Initial Complaint

  04/25/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I financed a truck with this company and purchased insurance with the loan to cover repairs to the truck for the life of the loan. I pay monthly for loan and insurance. The truck should be paid in full in October however repairs done to the truck have been placed on my loan, so I am paying for insurance and for repairs since first loan payment. Over 4000.00 has been added to my loan. There should be no extras added to my loan. Documentation shows that last payment is in October and business owner wrote on my stubs that I owe 17 more payments for repairs which is not the case. And I'm still paying extra every month for insurance. Please review his website and reviews. I'm not the only one this is happening to. So is he selling me something he does not have or is charging me for insurance and the repairs to keep the money from the claims for himself? Anyway you look at it insurance fraud is happening. My loan should be paid in full in October. I've paid every month and have not missed a payment.

  Business response

  04/28/2022

  Business Response /* (1000, 5, 2022/04/25) */ Mrs ********* did purchase a warranty with the vehicle and has exceeded the mileage on the vehicle. The expenses she has incurred from the truck she chose to buy, we have paid for out of our office which we are not liable for, the customer is. We are not responsible for the maintenance on her vehicle. Consumer Response /* (3000, 7, 2022/04/25) */ The insurance I purchased I am still paying for monthly and was told by ************** that it was in effect for the life of the loan. None of my paperwork reflects a milage cap, nor am I aware the ************** would know how many mile my truck has on it. I have never asked for another loan with him nor was told that anything was being added to my loan. I have an agreement that states last payment is due in November. Plus I have paid extra every month so should be paid before contract date. Please provide to me a copy of the contract and insurance agreement that states mileage cap and that adding to my contract can be done as he wants. Please get insurance company name to verify that repairs were not paid for by the insurance company. Thank you for you assistance. ***************** Business Response /* (4000, 9, 2022/04/26) */ There is no other loan Mrs. ********* has with Eastern Financial Services. She simply came to our office asking for assistance with the repairs on her car and will gladly paid for them. She is well aware of the paperwork stating on her warranty there is a mileage cap. There is no such warranty that lasts the life of any loan or car.

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