BHFC Financial Services INC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/09/2018	No	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AZ 85374	Web
Back in XX/XX/2018 my spouse and I purchase a vehicle from a local smaller dealership by the name of XXXX XXXX XXXX XXXX XXXX. This was a second vehicle purchase/loan for us as we already had a primary vehicle and wanted to have this a secondary. The loan was financed through a company called BHFC Financial in XXXX Arizona. Since our purchase we have went through 3 temporary tags, and the vehicle purchase is not able to be registered we have contacted the Department of Motor Vehicles and they have not received any paperwork since the purchase in XXXX but were to see on file the temporary tags. DMV asked us to file a complaint with the Office of the Inspector General which we have done as well as the Arizona Attorney General 's Office. We have made contact with the loan company regarding the situation with no resolve, and they keep saying they have nothing to do with paperwork or title on the vehicle. The DMV title search reveals there is no financial obligation or lien holder on the vehicle which there should be because it is financed. Now current to date the dealership is claiming they could give us plates and registration on the vehicle but they are trying to say that the financial institution sent them a default notice for non-payment 1 day ago and they need to buy the vehicle back from the financial institution. I contacted the loan company they had no such evidence of this but said I have to speak to the dealership. I went back to the dealership and they wont give me an answer about the title and registration issue but say yes the loan financing company is sending me back to them because we are in default. The manager had a note on his desk regarding this I asked to see it and he did let me view it, it was not a default notice but rather a late notice from XXXX with a handwritten photo copied statement from a man named XXXX alleging " Client not understanding '' I asked if I could have a copy of this document and they declined to allow me to have it. When I questioned the handwritten portion of the letter the manager of the Auto Dealer became defensive and asked me if I was accusing him of writing it? I replied I do not know however banks and lending institutions do not hand write documents. I informed the man that this document is from XXXX and we are in XXXX so it would not apply and we have a set payment agreement to be auto deducted from our checking account by BHFC on the XX/XX/XXXX. Manager of XXXX XXXX claims that bank is rejecting the payment arrangement. I informed them this is not a valid sale, or a financed loan and that is why you are asking me to turn in the vehicle willingly vs ripping it from my driveway..he did not reply. He asked if I would be interested in another vehicle or trying to re-structure this loan. I replied that if I am truly in default that you would not be offering me this option. 3 days prior to all this I had our last 30 day expired tag that was issued and I had to call XXXX XXXX Police Department to get another tag, and they 20 minutes later issued me a 3 day tag, an apology and said they would have a clerk and permanent plate in which never happened. We need help with this situation due to the fact it is a predatory lending scam between this dealership and the finance company they use BHFC. If you go to their website http : //www.bhfcfinancial.com you will notice they do not have a secured website and are accepting payments through a general information form as well. This is the craziest situation regarding a vehicle we have ever had not sure what to do but any assistance in this matter would be greatly appreciated.
11/29/2018	No	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	AZ 85251	Web
XXXX XXXX XXXX XXXX ( 4 minutes ago ) to me I filed a chapter XXXX / the debt inquired about was included in filing. My Discharge was rec by the company on XX/XX/XXXX, however they still stated I owed payments from the course of the bankruptcy filing. I called to resolve the issue, I was told I needed to speak with the Legal department. In addition they told me to send an email to, XXXX XXXX XXXX XXXX replied by email, instructing me to have my attorney call him. I replied by email, asking for a return call. I notice that the bottom of his email, had his direct line and cell phone number. I called his direct line first received a voicemail then called is cell. He admittedly went off, yelling and screaming stating that it was invasion of privacy, he doesn't want to speak to me, he wants to only speak to my attorney. " I quote what did I tell you to do you listen '', I dont have to speak with you, I replied sir I went even know your number unless you sent it to me. You provided me with your contact information at the bottom of your email. First this company ignored the fact that this account was under bankruptcy and refuse to speak with me in regards or to mitigate a resolution in regards to my loan. Attorney refuse to speak with me on any level on a solution. The loan company was notified of the bankruptcy and had an opportunity to submit for a reaffirmation of the debt. They failed to submit the reaffirmation form to the court or my attorney. Which means that the debt was indeed included in the bankruptcy. XXXX at BHFC stated that I owed for all months which total to about XXXX dollars to reinstate my loan. I contact my attorney and the court to verify if the loan was included in the chapter XXXX. XXXX was trying to force me to make payments on a debt that was discharge. This conversation happen in XX/XX/XXXX, so if there was a payment due it would have been for the month of XX/XX/XXXX only because of the discharge date of the loan. BHFC proceed to repo my vehicle with out a resolve and demanded that I pay back months. I emailed XXXX XXXX and XXXX to contact my attorney, there has still been no resolve at this time. No one has returned my calls or email in this regards.
09/13/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	CA 94804	Web
Car was repossessed XX/XX/XXXX. I received about {$2000.00} in toll and parking tickets from dates way after the car was repossessed. BHFC financial services never sent me repossession paperwork that I needed in order to show the toll and parking companies that none of the tickets were my financial responsibility. I have been trying to get the correct paperwork for over a year from them. On XX/XX/XXXX I spoke to a representative named XXXX from BHFC about sending not the intent to sell paperwork ( which is what I have been sent previously and has the wrong repossession date XX/XX/XXXX ) but the repossession paperwork that showed the correct repossession date and towing company. She said okay. The next monday I received yet again the intent to sell paperwork. Nothing that shows the correct repossession date and towing company. On XX/XX/XXXX I called again to request the repossession paperwork. I spoke to a woman named XXXX who was very rude. She told me that the paperwork that they sent me ( intent to sell ) was all that I needed. I asked her for paperwork that showed the date of repossession and who repossessed the car. She then continued to avoid my question and gave me a phone number to the tow company who repossessed my car. I asked for her email so I could follow up with specifically her about our conversation and she replied " you can have your legal team contact our legal team. '' She refused to give me her email, and also refused to send the correct repossession paperwork. I would like this issue to get resolved without getting lawyers involved but, if it does not get resolved, I will have to take legal actions.
12/09/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NV 89148	Web
On Saturday, XX/XX/2020 at approximately XXXX, I learned my vehicle had been repossessed by my financial institution BHFC Financial. On Sunday, XX/XX/XXXX, I spoke with customer service manager XXXX. Despite the fact having documentation proving that I payed all my car payments, he informed me that I was behind on payments. XXXX stated that I owed partial payment from XXXX and a full payment from XXXX and XXXX. XXXX also stated they didn't receive payments for two months and then referred me to the recovery department. I then spoke with XXXX in the recovery department who told me that the company was not willing to work me anymore to which they never did work with me! They often would not communicate with me at all about the payments not being received ; they did not send me any notices stating that I defaulted on the loan at all! XXXX told me that in order to get my vehicle back, I need to pay {$13000.00} including a repo fee included in the price. The original cost of the car was {$10000.00}. They not only didn't contact me, but they didn't contact any references! I am sad, stressed, and in disbelief. This is not how a paying customer should be treated! I couldn't believe that a company would take my car after I paid them every time! I am a single mother with a baby and I need my vehicle to care for my child!
11/18/2017	No	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	CO 80134	Web
I am an auto dealer that had a loan approval thru the finance company BHFC. I went and bought a car for a customer based on the loan approval from this finance company and when we sent it in for funding, after MANY recorded calls, XXXX from BHFC, declined the loan package after we sent it in for funding. His first response was, the customer was using multiple SSN 's, then he said no, that was n't the case, he had had a recent repossession. I had in good faith sent the lending institution this application knowing my customer had credit issues. Our dealership is small and we do n't pull credit reports, so we rely our banks to do their due diligence to approve or deny credit. This lending institution gave both me the dealer and my customer a false credit approval, based on their own credit bureau pull and further more, changed their approval into a decline based on nothing anything other than a change of heart. Not cool, not okay. I realize nothing will be done today, We as a dealership will never do business, but please, look into their practices.
05/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 852XX	Web
BHFC FINCL SRVS is knowing reporting inaccurate information on my credit report. XXXX is allowing them to do it. 1. {$0.00} Balance this account is settled and should not even be on m credit report, The balance that the company is reporting is {$0.00} -However in the comments company reports their is a balance. 2. Date Opened is Inaccurate 3. Date of Last Activity is Inaccurate - Company is reporting Date of Last Activity : XX/XX/17 - Company is reporting last payment : XX/XX/17 -Company is reporting in payment History last payment : XX/XX/17 4. Company is reporting Repossession - I never received Notice of Right of Redemption - I never received Notice of Right of Reinstatement - I never received Notice of Default - I never received Notice of Sale - I never received Notice of Deficiency Balance Please remove this in accurate item off my report immediately 5. XXXX keep allowing this company to report inaccurate information on my credit report. 6. Attached is a copy of this item on my credit report.
05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85035	Web
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo XXXX 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.
09/12/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NV 89149	Web
XX/XX/XXXX I spoke with the manager to inform them the car engine was down I called them to let them know where to get the car they called the lot spoke on an amount they called two weeks later the amount went up the loan company never called the mechanic back the manger informed me itll be a repo on my name at bhfc I agreed I was not making any payments any longer on a non working vehicle I have that in email its 5 months later they still have a loan open on my name its illegal I have not paid them I have called them numerous of times the manger told me today Im not putting a repo on your name so you can get a new car on XXXX bhfc financial is the loan company! No payments have been made they never did a repo .I have emails on XX/XX/2022 in writing as well I emailed them about this vehicle.
12/02/2016	No	Debt collection Auto	False statements or representation Impersonated an attorney or official	AZ 85022	Web
My lender both had an agent impersonate a law enforcement official, and indicate i was going to be charged with a crime. A BHFC Financial representitive posed as a XXXX PD detective who then called me, my parents, and friends, explaining how I was wanted for a crime, and that I would be arrested for not paying my car payment. When asked for information on the crime, a badge number, or any official information, the agent folded and hung up on my family. I have messages recorded verifying the false representation of law enforcement, and also about saying I was going to be arrested.
03/05/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95206	Web
XX/XX/2019 I called BHFC Financial, the company financing my vehicle asking for my balance on my auto loan. After 15 months, the manager said {$11000.00} and some change. After knowing how much I purchased the vehicle for, {$13.00}, XXXX and my monthly payments being {$390.00}, I ask him to help me understand. He didn't want to, instead, he loud talked me, over talked me, avoided my questions and told me that if I didn't understand, I could call back and he'll explain it. He then hung up in my face. Something isn't sitting correctly with me and I am asking for help.
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89015	Web
I obtained a copy of My credit report through XXXX. Unbeknownst to me there were Unauthorized Accounts on my report that I did Not sign for. I am a victim of identity theft already reported to the FTC. My identity information was used to get state Identification, cars, phone, internet etc. I have been able to remove mostly everything accept the lease and or auto loan with BHFC that I did Not Authorize. I need this removed immediately, according to the FCRA all credit bureaus duty are to report 100 % accurate and honest reports.
03/10/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AZ 85021	Web
Recently noticed a derogatory debt from a repossession of a car purchased on XX/XX/2018. I never purchased a car from BHFC financial at any time in my life nor have a had a repossession of car from them or at this period of time. I bought a brand new car under XXXX XXXX on XX/XX/2018 have never made a late payment or even gotten a new car since my auto loan with XXXX started. This company is scamming people because I have never dealt with financial company in my life.
10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89074	Web
There have been multiple attempts to take action against the fraudulent accounts reported by the listed companies below. I have personally called and spoken with the companies to resolve this issue and no action has been taken. Please REMOVE all Unauthorized Accounts from my credit report : ACCOUNTS : -BHFC FINCL SRVS ( XXXX ) -XXXX XXXX XXXX ( XXXX ) -ORIGINAL CREDITOR ( XXXX ) THANK YOU FOR TAKING FORWARD ACTION ON THIS MATTER.
07/30/2017	No	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 93534	Web	Servicemember
I entered into a automobile loan agreement with BHFC Financial Services XX/XX/XXXX . I maintained a good payment history with them and any time I was going to be late (twice) I notified the company in advance. Beginning in XX/XX/XXXX I made several attempts to payoff the balance of the vehicle due to its high interest rate (
09/15/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	CA 95758	Web
I am not familiar with this account. I have contacted BHFC FINANCIAL SERVICES concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. BHFC FINANCIAL SERVICES has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
03/25/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	AZ 850XX	Web
Took out car Loan first loan in XXXX for XXXX for a use XXXX XXXXXXXX XXXX Paid XXXX deposit and monthly was XXXX. Paying for 4 years had made payments every month since then. I am aware of late payments but not the amount shown on credit report.I file dispute and here I am looking for help in my account.
10/24/2018	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 94803	Web
My car was paid off back in 2014 and I still havent recieved the title. I been told by finance xompany that they did it electronically but dmv keeps saying there is still line on it. I have to dmv 6 times already with no luck and finance company wont do anything about it.
05/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80128	Web
I was incarcerated when the accounts that are showing on my credit report were open I was in the XXXX and I have sent this documentation to all the creditors and still nothing has been removed, I cant open any type of accounts while incarcerated.
08/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AZ 85353	Web
I filed bankruptcy XX/XX/18 and XXXX XXXX was included in the bankruptcy that was totally discharged in XX/XX/18. This company has not reported on my credit report that the loan was included on the bankruptcy.
07/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89119	Web

05/04/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 32097	Web

02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33614	Web

07/16/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	AZ 85326	Web

12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85392	Web

08/18/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	AZ 85301	Web

06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85307	Web

06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89032	Web

03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89136	Web

05/31/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 94591	Web

03/07/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 93250	Referral

01/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85224	Web

11/15/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94541	Web

06/06/2017	No	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 94572	Web

03/24/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CO 80017	Web

02/26/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85345	Web	Servicemember