ComplaintsforTriad Financial Services Inc. of FL

• Initial Complaint

  03/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Triad financial services has put my house in foreclosure for the amount of ***** dollars and it keeps going up cause they won’t return an calls voicemails or anything from **** ***** ******** **** which is ** months with my payments being ** months at ****** and * months at ****** which totals ********, I’ve showed proof of paying ******** plus ****** that was returned to me with their name on the check and ****** surplus in escrow leaves me with a balance owing only $****** not even a months payment so no where near foreclosure status, they do not respond to calls emails or voicemails when they promise they’ll call on a certain day I haven’t got a call back since October **23, they won’t do their jobs and fix it when all proof has been shown to them and their lawyers Swistak Levine P.C. Nothings been fixed they a shady and their lawyers are allowing them to keep screwing over people just to repo homes when TRIAD is in the wrong and don’t know their jobs and how to do them math and evidence does not lie especially when you are forced to pay through Western Union since you made the first payment not to mention the extra fees that come out of your pocket paying through them would cover what I owe. We have never recieved one statement from them since owning the property so obviously we can’t send them a money order for the payment. I went through and found a bunch of cases that they have lost for doing this exact same thing which now since they don’t want to talk to me and make it right I hope I get to go to court and make them all look like they don’t know basic math. And hopefully someday soon someone will shut them down for doing the illegal things that they are doing.

  Business response

  03/15/2024

  Please see our attached response.

• Initial Complaint

  03/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received a statement, dated 10/10/23, for my first mortgage payment. I noticed that the Estimated Taxes they were charging me were way overcharged. The attached documents from CFPB will explain what I did to correct this. They did, finally, give me a big refund; because they realized they overcharged the taxes. We finally came to a conclusion and I'm making my mortgage payments now, but they reported the late payment to the Credit Bureau and shouldn't have because it was their fault that I didn't make my payments. I wanted it to be correct before I make my payments. I told them I want to make my payments on time and every month after that, but they would not get it right. They reported this to the Credit Bureau and I'm upset about this, being their fault. I got the account all paid up on 02/26/24 of $******** and I'm going to pay on time every month. I want this reversed from the Credit Bureaus NOW. I've been working on my Credit Report for a while now and I don't want this issue to hurt that because it was their fault.

  Business response

  03/08/2024

  Please see our attached response.

  thanks.

  Customer response

  03/08/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID 21384420, and find that this resolution is satisfactory to me. 

  Regards,

  ******* ****

   

• Initial Complaint

  01/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have had a chattel loan with this company since Sept/Oct of ***** *hey escrow our insurance payments and part of our land taxes (only the portion of land on which our home sits). Last year was the only time in the over * years we have done business with them that they actually issued the check for our escrowed taxes in a timely manner. The land taxes are due on or before February 1 for the previous year. I provided them the bill on mber *Dece** ****, and received an email acknowledgment. They have yet to disburse my escrow funds for the taxes and today is January **. When I contacted customer service yesterday they informed me that the company would pay any late charges for late tax payments. Why do I not believe this? I'm beyond fed up with this issue. I should not have to worry about my lending institution paying my taxes on time when I have made all of my payments on time and they hold plenty of escrow funds to do so.

  Business response

  02/05/2024

  Please see our attached response.

  Thank you!

• Initial Complaint

  01/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  In June of **** I contact Triad and I was appointed to a ***** **********. I told her upfront I can pay sales tax and closing costs. She would send me what my interest rate and payment would be... by the time I found a house and closed my payment jumped to almost 200 bucks more and the interest rate jumped I was told my rate expired. I'm now paying over 200 more than when I was renting. Triaded automatically added closing costs and sales tax. So my payment jumped plus I paid off everything and I was told my credited decreased but I did what I was told. 2 weeks ago today I went to the DMV and was told this house is still in the sellers name. I also got a call from a ******* asking if I had the title after she told me she was at the Jacksonville fl DMV I told her nothings been done . I'm now paying more cause of triads employees not doing their job and now the seller never sent the title, I sent a certified letter to the president and CFO which they received last thursday. I called today and I wanted the presidents office I was refused. I am now being referred to another manager. I'm in a house that should be registered in my name and 1 minute I'm told they are working on it today I find out from ******* in title she didn't send a overnight package cause she doesn't have sellers address. I need my house registered and the title. I also feel that all these issues are triads employees who messed up. Van**** Pervis kept saying I'm sorry . I feel Triad should rewrite my loan minus out my sales tax to lower my payment. I had that the entire time and Triad did what they wanted. In December of this year they are adding insurance to my loan I'm not going to be able to afford this. The least Triad can do is rewrite my loan since all these mistakes are triads employees

  Business response

  01/30/2024

  Please see our attached response.

  Customer response

  02/05/2024

  I closed on 11/21/23 the day I closed I called and told Triad  the house has been damaged they funded the seller anyway they were supposed to wait to verify the house was in order. But they funded the seller. Then I'm sent several e mails stating they are working on my title registration  funny cause December  29th I went to the DMV and title is still in sellers name then I'm called by ******* in titles asking if I had the title. The seller was funded did damage to the property and still has the title. Also what's this 1830 figure I paid 2014 for a years insurance policy so this letter from Triad is still incorrect. Take responsinbity  for your actions there's 100's of complaints  on Triad. But now I'm left with a higher interest rate higher payment and damage to the property. This is sneaky business practices your company should be shut down. I just received my title registration  on Friday February  2nd  even my DMV  down the street states it doesn't take over 2 months to get this. No my complaint still stands a sorry doesn't cut this mess they have put me in. And this letter with this figure is also incorrect. 
  
  ***** * *****
  

  
  

  Business response

  03/01/2024

  Please see our attached response.

  Customer response

  03/08/2024

   My response to this is
  the company Triad constantly lied to me told me they were working on getting my title. I closed November 21 **** and 24 hours before closing my rate and interest rate jumped.
  I had to be out of my condo and Triad pulled this shady crap. Look at all the reviews and how this company has screwed people. BBB shouldn't  just close their file and move on I was constantly lied to now I'm paying a higher price than I was renting. I still can't get on their website and and if you look at other people's complaints they are having the same issues. Finally after almost 3 months yes Triad finally  received the title from the seller. But meanwhile I have damage to my property from the seller I have a higher interest rate and higher payment due to the fact ***** ********** did not tell me my contract was expiring and didn't lock in my rate like I was told throughout their process. So now Triad has put a financial strain on me. My seller shouldn't have been funded especially with damage to the property which I was told by Triad there's nothing they can do. I'm missing a key which I'll have to replace. And they never had the title and the seller was funded
  Very shady business  practices. And all the company does is apologize  for their mistakes. The day I looked at the property in October **** is  HOW I SHOULD received it...instead  there's damage to the property and I called and spoke to Krista at Triad and told her the property is damaged I was told the seller received funds and there's nothing Triad can do. That's crap.  This company needs to take responsibility  for their actions I wrote to the president Ceo
  The company refused to let me speak to them. I asked to rewrite this .Loan due to their mistakes they refused. I asked to minus out the sales tax that I told every employee I'd pay...instead they just added closing costs and sales tax...so now I'm paying way higher than what they told me 
  That I'd be paying. I have in emails the figures they told me I'd be paying then they changed right before closing. This company needs to be fined and closed down for pulling improper business practices. Look at all the complaints improper posting of payments how people are treated the company needs to be shut down companies in my area refuse to work with Triad. Nobody should have to go through what I've gone through but it's happening all the time with this company 
  They need to be stopped, they need to take responsibility  for their employees actions
  And this letter they have responded to is admitting  to their huge mistakes. Well I'm still paying a high payment cause their employee ***** ********** didn't lock in my rate. She also just added sales tax I stated over and over I'd pay these. The least they could of done is rewrite my loan minus out the sales tax . Cause my last rate was less than 8% at 366 now I'm over 500 bucks and over 8% don't they realize what they have done. An apology  doesn't correct this huge mistake.
  
  ***** * *****
  

  
  

  Business response

  03/27/2024

  Please see our attached response.

  Customer response

  03/28/2024

  ********, 
  I have read triads respond and to this day they are still not taking action for their mistake instead I get a we are sorry. Not 1 time did ***** ********** my loan rep say my paperwork was expiring...not 1 time. I my realtor and my boyfriend heard how she talked to me and I have a nasty phone message from her.
  My credit score dropped because I paid off my car I paid off all my credit cards this was relayed to me right before closing not 1 week like they stated in this letter.
  Also I first looked at this house in October
  No damage when ******* with triad closed with me I was told Triad won't fund owner till  they hear from me...and that they received all paperwork and title from owner. I closed came to the house on ** ** and the carport leg was damaged and a key to a back room wasn't included. I immediately called Triad and emailed ******* I was told they funded  owner
  Really get a car aka mobile home with no key and with damage. That's a assadine statement just because it was a private sale the house needs to be like I saw it it wasn't.  
  Then I'm getting calls from a ******* asking if I had the title....Triad gave this owner money and they never got a title. I was lied to told they had. I then went to my dmv and nothing was done title still listed in owners name. Triad didn't  get title till  February. That's redick...to this day I can't get on triads website.  I was in touch with I T same thing. So many complaints with this company for stupid employee mistakes. And they get away with this. No matter private sale or not I should of  got  the house undamaged. Over 2 months before Triad got the title.  I now have a higher interest rate and higher payment all because no communication with ***** **********. Also from day 1 I said I'd pay sale tax this was automatically added to my loan  .  I also never got a breakdown of what Triad charged ******* sent me 1 statement it didn't match the next day she said oh those were wrong and finally sent corrected figured that wasn't till February of ****. I closed November of **** Triad had no title...you don't see a problem here
  Bad business practices lying to me saying we have the title  not telling me paperwork expired causing me higher interest higher payment...funding a deal and Triad has no title...and a customer who got a house with damage but owner got her money
  And I get we are so sorry... this is wrong and Triad has so many complaints from inputting payments incorrectly  to people like me that can't get on their website 
  But springing my payment and interest rate have jumped due to paperwork expiring and my rep doesn't be proactive and redo paperwork. Bad business practices everyone in my area doesn't want to work with  triad that's why it took me over 2 years to find a house the horror stories just look and read the reviews on them. This company should be shut  down. I'm sorry  is not good enough especially added sale tax to my loan when I could of went to the dmv myself with the title the owner w a s 
  Going to sign over to me...but no Triad told the owner to send. Which never happened 
  3 months after closing Triad finally gets title owner was funded in November after damaging the property and in Nov Triad never had title
  You don't see a issue here?
  Better business bureau  stop going back and firth this needs to go on triads record permanently  considering all they did was say we apologize fir our mistakes...that's not good enough
  This is the same  BS they said in their last respond we take full  responsibity fir their actions maybe if this gets put on their permanently record with the BBB they may do things right.
   
  
  ***** * *****
  

• Initial Complaint

  11/26/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I mailed my payment due Nov 4 2023 on Oct 23 2023. The payment was the full amount due for that payment plus an additional amount for principal. I mailed it to the correct address, with the correct loan number on the check, and with the statement stub completed and enclosed indicating how much was for extra principal. Triad received my check for $500 and cashed it. The check cleared my bank account on October 31 2023. Last week I was contacted by Triad and told they did not receive my Nov payment. I provided the rep with my check number, amount and when it cleared my bank. I e-mailed copies of my cancelled check to the e-mail I was instructed to send it to. There were more “courtesy calls” this week about my non-payment. This time the rep said they never got my e-mail. They told me to resend it—which I did. Then they said since I didn’t get an auto reply from Triad’s system, that they didn’t get the resent e-mail either. I had already looked on line and at the latest online statement Monday of this week, and upon seeing my account had not been corrected, I had mailed a formal written dispute letter to Triad on Tuesday of this week disputing the “unpaid’ payment and requesting they post the check correctly, ensure there are no late fees or charges, and no delinquency or inaccurate information reported to the credit bureau, correct my accounts balances, and that their problem posting my payments is fixed so it doesn’t reoccur. Also, I requested for the 3rd time that they fix the address they are mailing statements to since it looks like part of my address is being truncated. Cancelled check copies were enclosed in the letter. Since Triad seems to have problems losing stuff and getting information in their system correct—and because there’s nightmarish complaints in online complaint forums of others having this same “missing payment” problem, I thought it best to file this complaint to ensure Triad gives this issue the attention it needs.

  Business response

  11/27/2023

  Would the complainant please provide us a copy of the cashed check so we can track?  

  Thank you, 

  ****

  Business response

  11/27/2023

  Would the complainant please provide us a copy of the cashed check so we can track?  
  
  Thank you, 
  
  ****

  Customer response

  11/27/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

   Complaint: ********

  I am rejecting this response because this response is a question—not a resolution.  I already provided via e-mail copies of the check front and back and an extract of my bank statement showing the date the check cleared as requested by Triad.  The e-mail was sent on 11/16/23 and then resent it a second time via e-mail the following week after Triad said they never got the first e-mail.  Interestingly, just this morning a few minutes ago I got a response from Triad via e-mail with my original e-mail attached.   Triad said in their e-mail response that the e-mail I sent had been received and they would investigate it and get back to me in 10 days,  I have attached more copies of the documents sent to Triad to this complaint.  I would ask the BBB keep this complaint open until Triad provides a resolution response.  Thank you.

  Regards,

  ***** ***

  Business response

  11/28/2023

  Please see the attached resolution.

  Customer response

  12/01/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

  Regards,

  ***** ***

   

• Initial Complaint

  11/06/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  After Triad financial services bought my loan there's been nothing but problems for the past 3 years. First, they tried to charge real estate taxes on a rental lot. Towards the end of the loan they doubled my payments stating everybody's insurance insurance went up. My homeowners insurance had not gone up the entire time with triad financial. When I paid extra it was supposed to be applied to principal only and they put it in a suspense account and never applied it to principal. The last 3 months it took them over a month to apply payments that were overnighted to them. I paid the entire principal plus extra because of their excessive fees and they said I still owed. This took from July to October to inform me. I called numerous times emailed several times and to find out where my title was. To get rid of the loan I paid the extra $250. I paid principal in the extra amount in June I paid this extra $250 in October because I never got my title and it is now November and I still do not have my title I do not owe any money. I feel they have continually and blatantly misused escrow funds and misapplied illegally held funds that we're supposed to be applied to principal and never were. I want this to end with my title in hand.

  Business response

  11/10/2023

  November 10, 2023
  BBB of ***************** & Southeast Atlantic
  Attn: *********************************
  ****************************************************************************
  
  Re: BBB ID# ********
  
  Dear *******************,
  
  Triad Financial Services (Triad) is in receipt of your inquiry through the BBB dated November 6, 2023.  We apologize for the issues you experienced in process of paying off your mortgage.  We did an audit review of your escrow and your payments.  An error on our part was identified and corrected.  This did leave a small balance due, which Triad has taken care of.  Your title is in the possession of your mortgager, ***** Properties.  On Monday,we will escalate the lien release and request your title be sent to you.  
  We appreciate the opportunity to assist you with this matter.  Should you need additional assistance from me, please contact me on ************************.
  
  Sincerely,
  
  *****************************
  SVP /Chief Compliance Officer

• Initial Complaint

  10/22/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In the last 3 years Triad has held onto 3 checks we have sent them and claimed that they recieved no payment from us for our house mortgage. They use bully tactics to get you to pay a second time. The first 2 times that I did they immediately cashed my check that they claimed they didn't have the same day I was forced into an over the phone payment. Over the phone payments also charge an additional fee for convince. So in the end they get a double payment that I can not afford, one of the times it did over draft my account and the second time it put me in a spot to not be able to have money for food/gas for the upcoming week. The third time they did this towards the beginning of the year, I refused to be bullied into another payment. I put a stop payment on the check and sent another one for the "lost month and the current month". They cashed the 2 payment check and then same day tried to cash the one I put a stop payment on. I got slammed with a $30 stop payment charge and I've gotten 3 late charges. None of my payments have ever been late. This time the 4th occurrence. Yesterday 10/19/23 I received a threatening call about not having paid for October's payment. My paper statement for November shows that I didn't pay October and the online website also shows non payment. My bank on the other hand shows that a check to Triad was cashed on 10/11/23. The check was not tampered with and clearly shows triads name in the payee section and the loan # in the memo section with a payment amount of $450. I have uploaded the most current images of payment they claim they haven't recieved.

  Business response

  10/27/2023

  Please see our attached response. 

  Thank you.

• Initial Complaint

  10/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  As of February 2023, I have been experiencing financial hardship. I fell behind on a mortgage loan by two months, the loan provided by Triad Financial Services. Triad since became predatory in nature with their phone calls, calling at least once a day, sometimes twice, five days a week. Triad even began calling relatives they were not authorized to speak to, and those same relatives were not authorized persons on the account. Despite consistent warnings to cease and desist contact with unauthorized persons, Triad continued to call those persons. At one point, I was given verbal confirmation that all unauthorized numbers were removed from their contact list, however, that was no true. The unauthorized relatives still continued to receive harassing calls. When confronted about the harassing nature of the phone calls, Triad employees simply stated it was an “automated dialing system” they had no control of. Further, I would receive mild attitude about my inability to speak with them despite them calling during normal working hours. On August 7, I made a payment to the mortgage. Though I was still delinquent on that day, I made the payment in an effort to remain under 90 days delinquent. Then, on September 1, I called Triad to voluntarily surrender my house. After Triad was notified of my intention to surrender the house on September 1, an employee stated I would receive a letter of voluntary surrender via email no later than September 5. I officially received the letter September 7, and signed it the same day. The matter should have been closed much sooner than that. I then received a drop in my credit, stating “between July 17 and October 16, 2023, your account status changed to ‘90 days late’”. This information is erroneous, as the account should not be reporting still.

  Business response

  10/25/2023

  Please see our attached response and additional documentation.

  Thank you. 

  Customer response

  10/25/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

  Regards,

  ****** **********

   

• Initial Complaint

  10/19/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We bought a brand new trailer in 2021 and unfortunately our AC has went out and we have a roof leak, I tried to contact them to see if they offer any extension or repayment plan. They stated I do not qualify for any assistance. Pretty sad that after two years of payments they can't help me out in this instances. I see the poor reviews here so I should be looking for a new lender to refinance. I am currently 19 days past due.

  Business response

  10/25/2023

  Please see our attached response.  

  Thank you.

• Initial Complaint

  09/01/2023

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

  On July 17th 2023 I closed the sale of a mobile home in ******** **. Triad Financial advised me that I would not be receiving the title for this home until the payoff was received. And it would take 30 to 45 days for the title to be processed and mailed to me. After waiting patiently and recieving documentation from Triad showing the payoff was recieved I placed a call on 8/24/23. Customer Service told me the title was mailed via *** on 8/14/23 but 10 days later I had not received it. They have also lied when telling me they could not give me a *** tracking number initially. Finally after more calls, I was given a tracking number and instructions to file a claim. I called *** and they told me they do not have a package from Triad Financial which tells me that the title was never mailed by Triad Financial. Today, 8/28/2023 I was given the same information by Triad. It is now past 2 weeks since they said they mailed the title to the mobile home I sold. This company does not call back customers, does not follow through and I fear that I will not get the title to this home that I should rightfully receive. I need answers and the title to the mobile home I sold. They should also provide compensation for all the calls and the time I have spent trying to get this resolved. The attached document I not the actual title but a copy sent via email for the closing of the house.

  Business response

  09/08/2023

  Please see the attached response.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩