• Report: #888795

Complaint Review: Lighthouse Financial

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  • Submitted: Sat, May 26, 2012
  • Updated: Sat, May 26, 2012

  • Reported By: sschimitis — Chandler Arizona United States of America
Lighthouse Financial
937 E. Broadway Rd. Suite 3 Tempe, Arizona United States of America

Lighthouse Financial I had a car tittle loan out at Lighthouse Finacial ( I had 4 all paid in full.) This was only a $300 loan. I Communicated all the way on the 1st of May can I pay it late. Manager Lorraine said yes. Al You will not belive the horror, I have been throught. Tempe, Arizona

*Author of original report: customer service? ?

*UPDATE Employee: Factual Company Response

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I had a car tittle loan out at Lighthouse Finacial ( I had 4 all paid in full.) This was only a $300 loan. I Communicated all the way on the 1st of May can I pay it late. Manager Lorraine said yes. All prior 4 loans were like that, they always worked with me.I was going in on Friday the 25th to pay it in full. On May 23 they repo my car. I on the 25th as promised showed up to pay. The manager said she would not take my money order, go get one from the Post Office. I had no complaints. My daughter and I were in her office as she processesd my payment. I softly told my daughter, I would not be recomending Lighthouse. Sure I was sad, I was a good customer. I thought that was mild, Lorrane proubly heard worse working in that buisness. Lorraine asked me did I tell them, I do not know how to pay my bills too. I said with all of the extra fee's it is making it hard to pay my APS and groceries. Lorraine looked at my daughter and said to her " maybe instead of your mommy buying you that coffee she should of bought you a sandwich, huh!!!"" Your mommy does not pay her bills." Lorraine also said "you think you can not pay your bills now just wait!!!" Lorraine also said she will fax to the tow company (Camping Company)A bill for $350 Lighthouse fee, a $50 to make me pay back my personal belonging they removed and up. I asked her why she was being so hostal, I was paying my bill in full? My daughter and I went outside,to let her finish. My daughter and I were crying at that point. I called Lighthouse Corp. offices they were rude, not listening, the man said "there is nothing I can do." I called the Tow company, a fax of release went to to diffrent places Camping company, and a car action. I talked to a girl named Corrina she said Lighthouse had $350 of fees on my tow bill. She said I could ask Lighthouse to take them off. My daughter went back in the store, I didn't know, I was on the phone. She came out crying saying she told Lorraine she would get a job to help, that broke my heart. Why is a simple bill pay like this. My daughter said Lorraine told her she would of helped us but it was my fault. my daughter is almost 16, she witnessed this all. She is a good kid never in trouble. Camping Company a female employee also told me Lighthouse had a $350 fee sent with her fax. I called back and forth many times a female Camping Told me my tow funds$350 goes to lighthouse. I spent from 10 am to 6pm calling Lighthouse corp. offices asking for a break down of what I am paying for, even Camping Company Towing no one will let me see what I am being charged for. Camping Company said they removed all of my belongings out of my car (even baby seat) I have to pay them to get them back( just like Lorraine said prior)I said you are holding them randsom, They said that is a ugly word but, yes. Lighthouse Corp offices in Florida, would leave me on hold, not anwser my extra charge question well ( or deny it.) They acted like I was wasting there time. One of there staff called me a liar and talked over me. They refuse to fix or help me at all. Why can't anyone show me what I am paying for??? I was a good customer, why can they at least be nice. Why is this ok to ralley with a tow company and do what ever they want to and make up charges. Yes I was up set, I never cursed, raised my voice, I think people want to know what they are paying for. Lighthouse corp. offices said it was not leagle for Lorraine to do that, so she is not. How is it she threatened to do this, the money charged is backing this up, and I am the bad guy, and no one will show me what I am paying for .How did I know that Lighthouse had a charge on the fax if no one told me (tow company) I never seen it, it shows someone told me. Lighthouse Corp. in Florida Admitted it was paying Lighthouse Back, with my money on the tow bill. Everyone acted like it was weird and timely, and couldnt understand why I was upset, and trying to figure this out. I have many people who can tell what kind of person I am. I work for the State of Arizona. I am a hard worker and a mother. This is UnAmerican

This report was posted on Ripoff Report on 05/26/2012 05:48 PM and is a permanent record located here: http://www.ripoffreport.com/r/Lighthouse-Financial/Tempe-Arizona-85282/Lighthouse-Financial-I-had-a-car-tittle-loan-out-at-Lighthouse-Finacial-I-had-4-all-paid-888795. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

customer service? ?

AUTHOR: sschimitis - ()

We are never going to agree of this. I have moved on. I am not even mad anymore. I am now smarter and wiser. I don't really want to waste anymore time with this subject. F.Y.I the tow company has abandoned the car. I have the paper work from DMV. What about customer service, why is a good customer paying off her car need to be verbally abused by staff. Then staff verbally abuses my daughter. I called corporation to talk about it and was called a liar. I have witness, willing to come forward. Sure I was upset, I work for the State of Arizona in behavioral health, I understand verbal abused. I never raised my voice, I said two minor sarcastic comments to my person I was with. Quiet and to us, we needed some humor to get throught it. We call that coping skills. Your staff gave me and my kid a verbal assault. Hmm, you had a new manager,I worked with you several s before n.o problems. Hey, it's your company, who am I to say how to run it. I am not even telling people not to go there. I personally wanted to address being abused by your staff. I am done with this we have moved on. Good luck you were great prior to this. Typing this by phone having troubles.

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#2 UPDATE Employee

Factual Company Response

AUTHOR: Kristi Benton - ()

Regarding the loan in question, the Ms. Schimitis took out a loan with Lighthouse Financial Services of Arizona (LFG) on April 9, 2012 for the amount of $300.00

On her first payment due date, May 9, 2012, the client came in to the office to refinance her loan.  Under our loan criteria, her vehicle did not qualify for additional funds.  She did not make a payment at that time.  LFG associates called Ms. Schimitis each business day thereafter and left a message regarding her payment.  On May 15, Ms. Schimitis finally returned our calls and made a promise to pay on May 18, 2012.  She did not fulfill that promise to pay and her account went into collections on May 21. 

The collateral vehicle was repossessed on May 23, 2012.  Ms. Schimitis called LFG that day to request information on how to recover her vehicle.  She was instructed that she would have to pay her loan balance of $374.15 in full to LFG.  In addition, she would also be responsible to pay the repossession agent their fees for repossession and storage of the vehicle.  LFG did not collect any additional fees over her loan balance of $374.15.  Any additional monies she paid out were paid to the repossession agent.  Ms. Schimitis has paid off account in full and the title has since been released.

Contrary to Ms. Schimitis contention, LFG did not get a $350 dollar refund of her tow money.

In conclusion, LFG has acted in full compliance with all federal and state regulations governing title loans and find that there is no basis for this complaint.

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