Challenge Financial Services

If I could give zero stars I would. This place takes advantage of people. They do not report to any credit bureaus, doesn’t matter if you pay on time or late. I called them out and they lied about reporting. They are all rude and lie. Beware they do illegal things like call spoofing to make it seem like someone else is calling so you will answer. I would beware of them. Horrible horrible horrible.

While I’ve had unpleasant experiences, when Leticia took over my account it did a 360. I choose to only deal with her, she is nice, polite and efficient at her job. I really love that we can text and if I forget and am late she will send me a reminder and I’ll can text her to take my payment. Unlike my previous agent who would send threats, (really one day and you wanna ask where my car is parked) she understands and works with you. I would definitely recommend Leticia as your contact point through this company. I can say honestly that she alone changed my perception of this finance company. So management should realize that employees like her are what enhances your business.

Do not give your money to these people. If you are in a situation where you have no other choice i HIGHLY recommend that you re-​finance as soon as possible. These people are complete idiots and they will talk down to you at every chance. They are aggressively rude and feel that you need them more than they need you. It doesn’t matter if you are paying late or on time they will still be rude!!! They couldn’t give 2 craps about serving you the customer. AVOID THIS RACKET IF YOU HAVE ANY OTHER OPTION!!!

This company is beyond ridiculous, I’ve been paying my payments (excluding 2 payment deferments, mind you, it’s a sin to ask for that) since 2012, and have never had a late payment. I do the best not to deal with them directly so I keep to the pay near me option. I’ve called twice within a 3 month period trying to find out the amount of payments remaining, and for some reason NO ONE can give me the exact ammt. Only the balance?! Try and get a supervisor on the phone in the main office, and got tossed around like a hot patato from phone to phone, with each person having a worse attitude than the last. Last female I spoke with has the nerve to ask why am I even calling their office, and not the one in northern California, when I tried to explain she just put the phone on hold and redirected me to the original rep that couldn’t help from jump. It’s crazy, they call and email you the day of due (which is fine, I work retail/​collections) but will literally threaten to have your car repo’d if it isn’t made day of but have a 10 day grace period. But if you ask of any info, you’re last priority. Go figure, right? I’ve been in retail for the last 10 years, and deal with customers that have troubled credit just like challenge financial. And one thing I’ve learned is, to be humble to people of all walks of life, and those customers with bad/​troubled credit are the ones that ensure their checks show up on time monthly. Sure wish they’d have that respect towards the customers like that. After reading all the reviews, clearly I’m not the only one thinking the same… I chose to keep names left out, so you the potential customers can form your own opinions. Can’t wait to be done with this company.

Really bad service the representatives are very rude, even the managers I ask to speak with the manager and he was rude. I regret not looking them up before I took out my car. Will be filling a consumer complain, AVOID them!

agradescida por el trato y la cordialidad que tuve con la señora jaclyn la forma en que trata a sus clientes, gracias por el trato y el entendimiento estuve
muy contenta con su trató y fue muy entendida me dio mucha seguridad, y sobré todo. la forma y el respeto que tiene a sus calientes y se qué ella hace la diferencia en el trato da calidad de servicio y entiende a sus clientes se merece todas las estrellas pues es una gran persona la voy a extrañar mucho que dios me la bendiga le agradezco
atentamente
elizabeth hernández
cabañas

There is only one reason I am giving Challenge Financial 5 stars today: Yesenia Ramirez. I have been with Challenge for a while now and have dealt with other unpleasant representatives. Customer Service here is terribly. People are rude and seem to hate their jobs. except with Yesenia. She was so nice and helpful. I am finally done paying off my car and needed help with my car’s title which was lost. She answered all the questions I had and didn’t make me feel like I was wasting her time. I don’t know if Challenge is doing recent training or something, but this girl made my day! Now, if only management would step up their game and realize they need to focus on customer service, there could be more like Yesenia and less of these bad reviews.

Just registered
. See. I am a systems administrator and a SEO specialist. I purchased a car from a local dealer, challenge took over my loan, cool but this is the most unprofessional company I have ever worked with. Never had one late payment, ever, period. My car was not taken back or anything like that. This is just a warning that this company will attempt to take as much money as they can from you even if you pay ontime. I will have the site live soon to detail the complete lack professional business conduct you would expect to see in a company that is dealing with loans. I would stay away from this company at all costs. Refuse to sign anything they send you and contact your attorney general and MVD to file complaints. I will spend every day optimizing each and every search engine result to have my site in the top 3 links. I refuse to allow a company to charge me to pay a bill. 10 $ a month to make a payment. Seriously

Definitely one of the most rudest and pushiest group of representatives I’ve ever dealt with. The information one person gives you is never the same as the information from another. I had an incident where I made a payment a few days before my payment was due. A few days after my payment due date i get a phone call saying the payment was not received. I to forward the payment confirmation text to the company and once I did the representative that had been blowing up my phone stated that it took 10 – 14 days for a payment to go through so they hadn’t received it yet. Fine whatever that issues was resolved, however the next time i made my payment I was once again called because I was «late» on a payment. And once again was spammed with phone calls from the delightful people at challenge and was surprised when another representative yelled at me that the payments only take one day to go through and that I was late on my payment. So once AGAIN I had to forward my payment confirmation text. No apology was received just a lot of «um» and stuttering from incompetent people who obviously have had no customer training what so ever.

Ive had my loan going on four years now and i’ve payed on time for the most part, but now and the when i’m going Through a rough patch I call my guy Javier P. and he always helps me out. i appreciate there understanding, yes the APR is high but thats what you deal with when your credit is subpar, but again i appreciate the help i get from Javier when i need it, thank you.

I have had my car for over a year and I have had some bumps in the road along the way. I have always been able to communicate and work things out with Challenge. My rep has been understanding and has helped me keep current and keep my car through it all. I cant wait to pay it off and hopefully in the future have them finance another car in the future. They have made the process of paying on a car a lot less painful.

When I first called I wanted my auto payment removed from my account. The customer service rep on the other line (named Jose) was very rude and unprofessional.
They way he spoke to me was childish and un-​knowledgeable.
He asked me to email him stating I no longer wanted auto payment.
I did that. Then responded he responds :“what’s your address?“
what customer service does this???
Honestly, I got the wrong vibe after this place. After 11 days, I still have no confirmation and when I reached out to Jose again, he asked again for all my information that he had.
very unprofessional of him.
I called to speak to a manager. I got Silvia, who helped me out so much.
I guess that’s what you need to do, go straight to the upper source to get the help you need.
Thank you Silvia, you were of great help.

First and foremost a big thumbs up to Letty so attentive so familiar with her aspects of her job such a super star. The company it self seems like they also care since my, cough cough, credit is not the hottest. Thank you very much challenge financial you guys make it possible.

I am giving Challenge Financial San Diego branch 4 stars. Mostly to Bryan my favorite representative, he is always so nice. Never rude. I was so ecstatic that Challenge Financial gave me a chance at an auto loan and it is bittersweet that I only have one year left on my car. Thank you Challenge Financial an thank you to Bryan for treating me like a person rather than a number.

If I could give this company a 0 I would, serious! They are totally unprofessional and rude as hell ! Oh and not to mention, their interest rate is outrageous ! I called yesterday to speak with my account manager Jose and I asked him a question and he couldn’t do shit for me! HIS answer to my question was «I don’t know» while having a side conversation with someone in the background while I’m on the phone! I then hung up and called back requesting to speak with a Supervisor (Sylvia) I believe her name was. Of course when being transferred I got a voice mail. I left a voice mail and have yet to receive a call. On hold with the BBB now ! This company need to be shut down!

My only complaint would be the high interest rate but when entering a sketchy car dealer that was jumping at the opportunity to sell a car to 18 year old with no credit what do you expect. I have paid them late several times and I have yet to receive any type of harassment. They even granted me a deferment when I was having car problems. Sure their staff doesn’t sound 100% professional but I have yet to be displeased by their service, it been 2 years.

I didn’t have any issue with this company till I sent in a check, like I always had and they claim that I had to make it out a different way. Mind you I have been writing checks the same way for over 20 years. And if I didn’t over night it or pay over the phone and pay the additional fee to do so, my payment that they got over a week ago would be late. REALLY…
My most recent bad experience was last month. I sent them a money order and it has yet to be found by the staff. Its funny how all my payments are sent in the envelopes they provide and all the checks are received but the money orders have issues. This will make the second time a money order is claimed to not have been received by this company. I think they have some shady people collecting payments. Though the first money order I couldn’t find the receipt and I lost out it wont be the same for this $ 1000 money order I have filed a complaint and I cant wait for Western Union to bust the person.

this is the worse business i have ever dealt with in my life. rude customer service, they dont work with you
i have never dealt with a finance company so ridiculously sickening. for example my car jote is due on the first of the month. theres no grace period, if your payment isnt in .you will have one of those border people call u. threatening to have repo folks to come get. i told them ive never heard of such nonsense. very rude. daniel, valerie, that bitch that calls herself the supervisor ms aurora. i cant wait for payment to be over 3 left. thank god. i would never make this mistake again. and i will let everyone know do not i repeat. do not do business with challenge financial rip off. cant wait to go to bbb.

I have mixed feelings about Challenge Financial. There have definitely been instances when I have dealt with extremely rude customer service reps from their office (I’ve already complained to BBB about this), but mostly the people I have dealt with have been really helpful. It is true that they contact you if you are just one day late on your payment. But, in my experience, If you call them ahead of time and let them know you’re going to be late, they will happily notate it and then send you a reminder text the day before your expected payment. Some people may see this as annoying, I see it as helpful.
The other thing that sucks is that my ex co-​signed for my car loan, and in an effort to get him off of the loan after a year of on time payments, I asked if they could help me. They stated that the only way to get him off the loan would be to refinance and unfortunately, they do not offer refinancing.
That, and their extremely high APR’s suck… But that is what happens when you have crappy credit.
Would I go with a different loan company if I could? Probably… But the fact is that I can’t, and I’ve seen worse behavior from other companies.

Avoid them 100%, they are horrible customer service, specially grace at they will not work with you. Right a way they threaten you with repo!!! I will not remove it!!! I have a loan with your company!!! Mr CEO

If I could give these idiots zero stars I would. They recently purchased my contract from another finance company and now my payments show to be higher than my original contract states. They are rude assholes when you call them and they are a scam. I am disgusted with my finance company who sold these idiots my loan and will be contacting an attorney with regards to both companies.