Service Finance Co. Bewertungen 

Missed a payment and didn't catch when looking online my payments processed but now in June showing a due date of 4/26/25. Horrible customer portal and I tried to call customer service to log a complaint and no one on the call could understand why it was upsetting to not see accurate information online in the portal so I would realized oh yea I missed an autopay move money over and get caught up instead of getting a ding on my credit and I don't pay bills late or miss payments! I was soooo pissed to say the least. After reading Reddit I see lots of people have had issues with them. I wouldn't use them if you could avoid them. I own my missed payment but why is the online portal so inaccurate?

Service Finance Co. Is a complete disaster!! They refuse to take my payout on the whole loan! I submitted a payment today at 8 AM. I have an email confirmation. When I went to go check on that payment at 5 PM when I got to work, the Payment was no longer tracked! I called and placed the call on recording, and the representative told me that she does not speak on recorded lines and disconnected the call! I called back and got a wonderful lady who stated to me that they were still processing my payment. I will call back tomorrow to ensure that my payment for the full amount was actually successful.!

On only my second payment, there was a hick up with my credit union's bill pay and my payment was delayed. We received a collection notice immediately notifying us that our payment was late and they doubled my payment via fines. As far as I'm concerned this is criminal, at least it should be. Of course, I had to give a one-star rating which seems unfair to those poor companies out there who might actually be trying to do a good job!

They have taken more percentage in interest then they should. Monthly has been up to 99% and 1% towards principal. How can they get away with that. The contract information we have doesn't show how they come up with what interest they take monthly when it is greatly different then the month before. Paying the same amount.

I financed something I could have easily paid in full cz "free financing! Why not?!" Well, it is not free financing for the length of the repayment of the loan. It is free financing for an arbitrary amount of time at the end of which you will receive no warning or notification and they will charge you full interest. Is that date buried somewhere in a contract? Possibly. But believe me they attempt to obscure it. Even when you call customer service they do not point out to you that you will be charged finances in what would be the middle of your loan period. What they tell you is as long as you pay on time and never miss a payment you will not accrue interest. The entire business is predicated on deception. You guys got me for two grand but I'm going to do everything I can to warn other people off using this company.

I’d give them a zero star if I could. I will never finance with this horrible company again. I was given a 18 month promotion period with no interest, had all but $300 paid, was ready to pay it off this month as I believed this was the last month to pay it off. Come to find out it was may that was the last month of the promotional period. I understand I mixed up the dates. But they couldn’t send an email reminding you that the promotional period was about to end? What an absolute joke. Screw this company, I will never finance through them again. Screwing me out of an additional $1200. What an absolute joke

Dawn Ruchman went above and beyond to communicate with us and help us resolve our Uncle’s estate and payoff. Thank you Dawn!

Great experience after two days of calls she finally got us what we needed amazing customer service

I've had quite a few loans with this company over the last decade. My HVAC company sends all loans to SVC and I've paid them all off without ever missing a payment. In recent years, however, SVC has made it increasingly and I believe intentionally more difficult to add new loans to the online customer portal. That's always how I've scheduled my auto-payments but over time I've noticed a shift in how long they take to process these requests (they won't even consider it until the "welcome letter" which takes "7-10 business days" but can be later than that and then another "7-10 business days" to actually facilitate the request you made to add the loan to your account. That's already almost a month and the first payment is due within the first month. It's also been on more than one occasion where they claim I never made these request(s) to add the loan(s) to my portal. It has happened more than once now so I believe SVC are making it difficult on purpose to try to increase the likelihood of default. I think this is textbook bad faith servicing and/or unfair or deceptive practices.

THIS COMPANY IS A SCAM AND SHOULD BE SHUT DOWN. MY CREDIT SCORES ARE 792 AND 776.
IT SENT ME AN "ADVERS ACTION NOTICE". I HAVE NO ACCOUNTS WITH THEM NOR HAVE I APPLIED FOR AN ACCOUNT.

beware !!!!!
hided charges in a separate download document other that what your e signing

I called sfc for help with paying my first loan payment and spoke to Dawn Ruchman (Client Care Specialist). She thoroughly explained the process, walked me through setting up monthly recurring payments and emailed all pertinent information I was missing. She was excellent in customer care. Thank you Dawn for your attention to detail!

6,000$ hidden finance charge in a separate download document.
Sucm bags

DO NOT USE THIS COMPANY! THEY DON'T CARE ABOUT THE CONSUMER. THEY ONLY CARE ABOUT THE BOTTOM DOLLAR. EVEN THOUGH YOUR PROJECT ISN'T COMPLETE THEY GO AHEAD AND FUND IT WITHOUT YOUR KNOWLEDGE. LEAVING YOU HIGH AND DRY. BE AWARE!

My interaction with Dawn Ruchman was very positive. Dawn understood my issue and proceeded to rectify the problem. Very understanding and considerate. I’m very thankful for Dawn’s assistance.

They took a bit longer than expected to send a letter in the mail regarding my AC loan. They also did not send any emails to sign up to an account to pay back the loan. That was interesting to me considering the current tech era. When on a phone convo with a representative, they were not at all concerned with these issues. Eventually received the letter and received instructions on the phone call to set up a log in online. A bit delayed if you ask me. And if I hadn’t received the letter (if it was accidentally sent to the wrong address in my residence where there are many mobile homes) I would have been accruing interest unaware.

When we called, we were transferred to a representative, Marchanis was her name, right away. She was very polite and helpful in answering our questions. and supplied us with our contract. Directing us to the area we need to read. She answered all of our questions, even though we didn't like all the answers, presenting them professionally, and accurately. It was a very informative, and productive encounter. We were very pleased with the service.
Sincerely, Ron and Sherri Barnes

My husband and I have lived in and owned our home for over 10 years. About a year ago, we started receiving a bill for someone who doesn't live here. I made two phone calls to inform them that this person doesn't reside here, and we have never had A-Z Windows at our home.

Today, they sent someone to my house. They banged on my glass door and taped a note to my door about this person's collection (funnily enough, we also received the same bill we've been getting in the mail today).

I called the company again and asked for a supervisor. The person refused and asked for my name (again) and phone number for a callback. I refused. How hard is it for a company to find the actual address of a person?

I will NEVER use this company again! Took out a loan for a/c. Was within my budget but then I had health issues and got way behind. Totally my fault. Went to get a home equity loan to consolidate bills, including this one. It was reported to the credit union as a mortgage not a loan. They refused to send a letter preventing me from getting the home equity loan on a house that is completely paid for.

Marchanis Blanc was very responsive and helpful in such a tight timeframe. We needed quick action, and it was totally provided, and everyone was extremely grateful for your immediate attention. Thank you!