This company is fraudulent!!!! They operate immorally and if people don't speak up, they will continue to do so. The customer service department never email back. Take your case to the BBB because they need to know how this company is operating by taking loan payments and applying it all to interest and none to the principal. It is a scam and they have been getting away with it for so long. Taking advantage of people with low credit scores and go figure if the credit score is low the person is already struggling and can't afford to pay this company + the cost of the vehicle. I paid for 2 other vehicles through reputable finance companies and I had a lower score then. I paid both vehicles off in 3 years and had them both for 5 years each until the wheels fell off. Not to mention, they will repo the car so they can secure that people will pay them their inflated swindle amount and still ruin your credit and put your misfortune on their budgetary financial gain. if anyone else is on this site, I recommend going to the BBB to expose this company or go to your local state office and file a complaint ONCE AND FOR ALL! If you go to there FB page, you will not see any customer reviews because there aren't any good ones! read more

WORST LOAN SERVICE EVER!! I have had problems with them since I started my loan back in March 2023. I wish I would have went with another loan service at this point. read more

I refinanced my car with another company at the end of April. Since then I have been waiting to get my GAP refund check in the mail. I call to check the status and have been told call back in 7-10 days. I do that and I get told it can take 60-90 days to be mailed out. I wait 60-90 days and then am told 60-90 business days. Still waiting for this check that they've already received. I've confirmed with the insurance company that the check was cleared so why is it taking so long for me to get it. Seems like I never will. read more

THE WORSE COMPANY I HAVE EVER HAD TO DEAL WITH. I DO NOT RECOMMEND THIS COMPANY! I have been with Flagship for almost a year, and I have expressed many times that the $1,065 monthly car payment is just too much for me. I have asked that the loan be refinanced; well Flagship doesn't offer that. I have asked and applied for a loan modification and was denied both times by Flagship. I have tried other companies that normally refinance auto loans and I was denied and was told that the bluebook value for my truck is way less compared to the loan. I am a customer asking a company for help with lowering my monthly car payments because I am struggling, yet I am always told no, there isn't anything that can be done! WHAT KIND OF COMPANY IS THIS! read more

I got sick and ended up going to the ER four times in one month. I was seriously ill and they would not work with me on skipping a payment while I was off work for the infection I contracted that was killing me.. I would not recommend this place to anyone ever, it is the worst company! read more

I'm writing concerning my account I have made on time payments since Feb - Jun of 2024 that have (Not) been reported to my credit bureau I fill that it's unfair that these payments are not reported. I've been calling for weeks to get in contact with the flag credit department and ask them to report all payments for this year since Feb thru Jun up til July now and i received No results. Today 7/20/2024 i received 1 credit report for 1 late payment in July 26,2024 why would they report my late payment and not my on time payments. read more

If I could give this company a negative 0 rating I would. They are the absolute worst and customer service is clueless as all get out. They care nothing about the consumer and always providing half information to set you up for failure. I can't wait to get out from under them. They are simply the WORST. I wouldn't recommend them to a dog! read more

WARNING TO ALL!!!! DO NOT USE THIS COMPANY!!! Worst finance company i have ever dealt with. All my payments are paid thru my bank ahead of time and shows delivered up to a week ahead with a confirmation number from my bank. Yet almost two weeks later they show that my payment has not been paid. Customer service sucks!! Most people you talk with can barely speak english and are not very helpful. All they want is for you to send more money instead of them do a investigation into their end. I have good credit and intend on keeping it. But they will ruin it because of their incompetence. I will be changing companies. I WOULD RATE THEM A BIG FAT ZERO, BUT THERE IS NOTHING LOWER THAN 1 STAR. read more

Honestly after reviewing everyone else's reviews, I am so sorry to hear of the very negative experience you all have had. We have experienced an issue with them when it comes to the pandemic and losing income. We were told by a person in customer service that we would get put on a reduced payment plan, and they never put us on one even after having our car for 2 years and only 2 prior missed payments. Both missed payments due to the pandemic. But that is the only issue we have ever had. This company has worked with us and if it were not for the incident mentioned above, I would have given them 5 stars. They are simple. If you miss a payment, CALL THEM BEFORE THEY CALL YOU!!! Make a payment arrangement and if you cannot keep that arrangement, CALL THEM BEFORE THE PAYMENT IS EXPECTED TO COME OUT and work something out. COMMUNICATION is the key to having a good relationship with them. Let's face it...Flagship is a subprime lender for those of us who have less than perfect credit. So use them until you can do better! I will have to also say that I would refer them to anyone else we know. They have been faithful to honor our past payment arrangements and they only start calling you when you are 30 days past due and when you don't honor your payment arrangements. They can get VERY OBNOXIOUS with their 50 calls a day from random numbers etc... But again, if you make your payment before your 30 day grace, and you stick to your arrangements, you will not have a problem. Sincerely, A current Flagship customer. read more

I prefer not to review this company: I didn't obtain any services through them and never would. I had tried to go through the interview/ hiring process and it was quite a mess. I don't trust this company and would not utilize them for anything at this point. Personal , business professional - it's a no for me read more

They took my son's car. Never called him because the dealership entered his phone number wrong. Think they did it deliberately. First time buyer with his fiancee. Her credit was 750 and his was 600. They were told their payment was going to be between $300-400. They got their first payment and it was $759.92. THEY NEVER WOULD'VE TAKEN IT AT THE AMOUNT. They are only 21 and 19. They came and repoed it Wednesday night and didn't follow PA law. So now we are suing both them and the dealership for deceptive practices. Gave us a bogus number for the repo company and my wallet was in the vehicle. Can't contact them. Already contacted attorney General, the news station and BBB. DON'T EVER GO TO THEM OR YOU'LL BE SORRY. read more

Dont give this bussiness your personal information. They dont verify phone numbers and bombard people with calls for YEARS on end. Terrible qt what they do. read more

Horrible horrible company avoid at all cost ! I have begged them to help me since I was furloughed in March. They said I didn't qualify so I continued making my payments but now that unemployment has dropped to its lowest I'm having a difficult time and once again they refused to give me a deferment saying I don't qualify. They will not return any of my emails the customer service representatives will set up a payment arrangement with you but call you 2 to 5 times A-day. The moment I get back to work I will refinance my cars do another company. They are absolutely heartless and have no consideration or Passion for what we are going to in these trying times. I'd like to know since they will not answer me through email what does it take to qualify for a deferment? For you to be homeless? Horrible company !! I do not even want to rate them a one but I have no choice or I cannot submit. read more

this is the most rude and dumb company i have ever delt with. i wish i didnt have to use them to finiance my car, they lost my 400.00 dollar payment this month..i admit i was late , but they sent me a repo letter because of the missing payment for october and i was late on novembers payment so it lokked like i was 2 months late. also they had the nerve to ask me for a copy of my bank statement showing that i paid 400.00 amh..really? then they tried to say you have a 10.00 a day late charege. im like no!! i have never been charged a 10.00 a day so are you guys making up the rules as you go? the customer service reps are rude and all act like they dont know what they are doing. every one i takl to is haspanic and hard to undertstand. smh, im looking into refi. my car asap. read more

If I could leave zero stars I absolutely would. First off, we are ALL living and experiencing a global pandemic at the moment. We are real life people who are experiencing real life hardship and all Flagship is trying to do is save a** and send out emails like this: "To our valued customers, As the Coronavirus outbreak continues to have impact both on a local and global level, Flagship Credit wishes to communicate that we are monitoring this outbreak and its potential impact on the well-being of our customers and team members. We take this situation seriously, the health and safety of our customer and team members are the highest priority. We have implemented contingency plans that have enabled us to continue to conduct business as usual. We are here, and we continue to provide timely service to our valued customers. If, for immediate assistance, you would prefer to access your account online, we suggest that you utilize our self-service platform, the Flagship Credit Customer Portal, for 24/7 access to your account." Meaning they know whats going on, but they are trying to play day by day because they still want to collect interest and cause late payments or possibly start repossessing cars. When I called to discuss my hardship the agent was uncaring (probably because she's getting the same call every call). We discussed ability to pay considering that everyone is either out of work or working limited hours and no expected date to resume regular. In return, I was offered a one month extension even with my honesty stating that next expected payment may not be accommodated due to the unexpectancy we are ALL facing. So you know what flagship did in return, they asked me for a reference, address, name, and phone number, because I'm getting an extension (that's subject to denial) incase we can't resume payments. Meaning that if we can't make payments after the ONE month extension that they will start repossession process. I have never made a late payment the time with flagship and have alway late paid more. As a borrower on the loan, I understand that Flagship has a simple interest contract which means I am charged interest on the unpaid principal balance on a daily basis. I know what I signed up for and I know asking for assistance (extension for two plus months) causes accrued interest meaning more interest to pay. If I understand that, I don't know why Flagship is not doing the MOST they can for their customers instead of being halfass and playing it "day by day". Also, I don't feel like a valued customer nor do they treat their customers like their valued because at the beginning of March I attempted to call to be proactive about my hardship and was denied because I was 28 days current again meaning flagship is just saying "uh you good you got 28 days to make a payment we'll see when we get there" what type of mess is that?! There are several things wrong with this company and no type of consideration nor accountability. If you are offered a contract or refinance from this company RUN or don't sign. Keep looking for a company worth your money and time. read more

Terrible customer service. Horrible options to pay your bill. Wish i had read reviews before i refinanced with them. Not worth it. I was with ALLY before and never had an issue with their website or customer service. You get what you pay for. read more

So I emailed the address provided to me per the standard message that I received. I received an email asking me about me current address? I asked if they needed my address when I purchased the vehicle, they said no just my current. Not for sure why my address was asked because it has been weeks and I have still not received anything in the mail? ABSOLUTELY STAY AWAY FROM THIS COMPANY! Oh yeah, and my credit report is STILL inaccurate!!!! read more

Horrible! I am trying to get my Pay of quote updated to reflect the correct principal mount, however I am paid in advance by a month an a half due to making Bi-Weekly payments ( 3 partial monthly payments). I called on 6/5 and requested the overpaid balance be applied to the principal and move my due date back on track to next month, I called again on 6/9 and the adjustment hadn't been done but I found out it wasn't requested correctly either. I called again on 6/10 and this time was finally transferred to a supervisor as requested and found it was still not processed but even if they applied the payments to the principal it would not adjust my payoff amount due to interest (?). I requested a copy of an itemized statement to view how the payments are broken down and the supervisor said that is not available on the website, they would need to submit a request to have someone else email it to me. Today 6/11, the payments have been adjusted but the principal amount did not change at all... This is how it went: . I had overpaid $1236.39 from (5/1 $412.13, 5/15 $412/13 and 5/29 $412.13), I was paid through august 6th 2020. removing this payment from my July bill to add it to my principal should reduce my total payoff amount, the supervisor stated out of every payment of $412.13 about $135 was applied to interest, that tells me at least my principal should have decreased by $405 and it did not. (CONFUSED) This company has shady practices, a complete breakdown of principal and interest should be available to the person financing and paying on the loan. Additionally there is no way to make principal only payments via their website, they do not want you to pay off early and reduce the interest rates they are sucking from the consumer. To pay down principal a check would need to be mailed in and you will need to hope they apply it correctly with in the 2 weeks it takes to process on their end. Consumers deserve to know where their money is going! Not having a view of the breakdown as other finance companies offer seems like they do not have honest business practices. HOPEFULLY THEY COME THROUGH WITH THE BREAKDOWN AND FIX MY ACCOUNT. read more

This company does not follow California laws regarding repossessions. I did not receive any notices informing me where to pick up my belongings or when and where the car was being sold. They did not return all of my belongings in the vehicle. I will definitely sue them for breaking the law. If you want to join in on a class action lawsuit please contact me stephen.whpm@gmail.com read more

This is the absolute worst car loan company ever! One date beyond your due date and they will call and harass you endlessly! DON't USE THIS COMPANY! read more

Horrible company always calling several times a day & every day for no reason at all... not behind on the payments, no reason to call but they do. I have started to ignore the calls have the number on silence.. I make my payments online due to the "speak with a person fee" I'm almost done with the loan and once they are gone never again will I use their services... read more

I refinanced my car with this company in 2021 and the fees and interest are ridiculous. I called starting in February of 2024 because I was experiencing a hardship due to health issues. I was told so many different things. One person said that a supervisor would be calling me back and might have worked something out for me. Others told me I maxed out the number of extensions and would not be able to get help ever again and to either refinance somewhere else or turn the car in (mind you I'm not over 30 days late). Also their website still has a page to get help for covid but they told me it's no longer offered. I was told that they stopped offering it at the beginning of February then I was told that it ended at the beginning of March. I have also been hung up on numerous times. https://www.flagshipcredit.com/pa-cares/ read more

I have literally received this email multiple times and responded and not a single person has responded, there has been no change in anything since the DMs I have received through here saying that they would get in contact with me, I have said the best way to contact me is via email probably 75 times and then received these emails but then haven't gotten a response to anything, clearly they can communicate via email since I'm receiving these but if it's really that important then email me back! I'm done hearing "I'll forward this to my team and get this figured out" cause that's all I've ever heard since My first review from months and months ago that I've been hearing the exact same thing it's really starting to get ridiculous and idk how a company can have such horrible customer service read more

Flagship - Auto Loan Providers Near Me - Coppell, Texas

i need corporate asap! they took my money and now saying they cannot find the payment. not only that had my bank on the line to verify the funds were taken out as well! i even sent proof of payment and now!!!!! no one wants to respond cant find the card i used that was stored on file & cannot find my email. the worse! did speak to a nice lady finally named ebony with acct specalist "manager" who is to call me tomorrow! oh and lets say they are trying to say i am late now, late my ...... fix it asap and send me my confrimation!!!!!! read more

this company is one of the worst company out there that won't let allow you to Deferment payment to back of loan if you have an emergency and can't make your payment. they don't even work with you you email and you just get an email saying some will get back to you in 14 days and i believe it's been more then 14 days and no call or email from them.even after making payments on time. read more

Harassing me about an account I have absolutely NO connection to, can't get ahold of a real person only their pointless automated system!!

I lost my job in September and although I got the calls I was open and honest 2023 hasn't been my year they are very understanding reps. I was never harassed. I am playing catch up now that I have a job a month in a half later. however I seen that my account has been closed while I am currently still making payments along with my jeep breaking down back to back. I went to Jim Burke and was financed by flagship. nothing but good things to say about this company. read more

And now that I paid again with a new check, Flagship had added additional fees, accepted my check and then reported my to credit companies that they "charged off" 515$. This company has really been a nuisance in all ways possible. They recorded my calls that as to what the pay off balance was. I paid over that amount and they were to return 690$ to me. I will be going to small claims court and filing a report with the BBB against Flagship Credit read more

We were going to purchase a Nissan Path Finder. We had signed all the paperwork and justing waiting to pick the car up. The car dealer found a problem with the Path Finder that could not be fixed. We never drove the Path Finder off the lot. We ended up "giving" it back to the dealer and taking another vehicle. This was in March 2023. 1. Flagship Credit keeps calling us wanting money from us. We have explained numerous times to the Flagship Credit callers that we no longer the own the car. Flagship needs to call EC Cars in Burleson, Texas. 2. Today, January 27, 2024, an agent called from Flagship Credit - at 11:30. I believe he said his name was Maurice. But he did not offer a last name nor did he identify that he was calling from FlagShip Credit.i refused to answer any of his questions until he properly identified himself - this my my rule for answering phone calls. He became angry and rude. He ended up calling me "buddy" with a hateful tone of voice. My name is not Buddy. And his demeanor simply indicates that FlagShip Credit is not a customer friendly company. As well, the fact that FlagShip will not stop harassing us. read more

Paid off the loan to "MY" car March 4th 2022 and now I have to wait 4 weeks to receive the title to MY car!! Customer service sucks! I will never use or recommend flagship to anyone!! read more

If I could give them zero stars I would. I have been out of work for medical issues since July 2024. I have applied for a loan modification twice. The first time I was denied because I was told needed to make a payment. I made the payment and applied for a loan modification again. I was turned down again because they were not sure where I would get the money from. I asked could they explain to me their logic. It would be much easier to ask someone for $300 verses $651. My parents have helped me with all of my bills until my short term disability begins at the end of this month. I've tried working with them and by no means am I trying to get out of a paying. I pleaded with these people and I was told nothing they could do. Again, I'm not trying to get over I just need temporary relief until I can return to work in December. They just will not work with those people who actually are trying their best and have experienced life. One rep even told me I that I could not refinance with any other company for a year. I really hate I ever financed through this company. It is a shitty ass company...and everyone's response is they're sorry for my circumstances but there is nothing they can do. Fuck them!!!!! read more

I have asked for the last 4 payments  *6/19 $650 *7/17 $500 *9/5 $700  *10/15 $800  on my account to be applied towards my Principal balance and I have yet to see it be applied. I dont understand why it hasn't been applied.  In total $1,237.37 went to interest when that should have gone towards my principal balance. I'm trying to pay this balance down while I still have a job. All you're doing is applying it toward interest which is not helping at all. . I will also be reporting this to my  AG. I noticed based on other reviews on this company I'm not the only person who has been asking for this request and it hasn't been updated yet. read more

I traded in my vehicle that I had financed through Flagship. After over two months of trying to get even a status regarding my GAP insurance refund and going through multiple different "agencies" I confirmed my check was mailed to Flagship, subsequently it was cashed and yet they had no updates for me or could confirm anything. No system notes etc. finally I thought I had a concise message when I was told I would RECEIVE my check 7-10 business days after they receive the check for the GAP insurance refund. Today, I was NOW told, oh its 10 days of "processing time" and then my check would be issued and take 7-10 days to get to me. This is shady, shady, lender! read more

They straight up stole $18,000 from me. I sent a check to payoff the loan to refinance. They now state they can't find the check and refuse to send me the title when I have proof they took the money out read more

I'm writing because my husband's credit report has not been reported since the month of April. I understand that his account has not always been in good standing but he has worked hard to get it caught up and we even paid ahead. He has called numerous times explaining this situation and that he needs his report updated with the current history, balance, and has gotten completely no where. We recently made a move out of state and recently tried purchasing a home but because flagship failed to help him as a customer in anyway with updating his credit file. Our home fell out of escrow because his credit file still shows him in bad standings. This is completely unacceptable and such horrible customer service! He has reached out more times then I cant over the last 3-4 weeks and every single time is told we are working on it. This is the worst customer service we have ever experienced and very irritated that this happened. My husband and I now have to start our home buying adventure all over again because of this. I'm hoping this email reaches someone of high authority and is resolved in a very fast and timely matter because we will not stop calling or writing or disputing any if this until its resolved. UPDATE: sent the email like I was told to which yet again received nothing back. My husband also emailed two days ago and he too got zero response. This company is a joke and beyond ridiculous. Absolutely the WORST customer service. It's amazing how quick they are to report late payments but when your caught up take months to report. This company needs to be shut down. It's no wonder they are rated a 1.4. read more

I have not had any problem with paying my payment or paying off my loan. However they really should fix they phone system it really can be tricky. Just paid off my car last week now I am waiting on my title. read more

I cannot even begin the list of complaints I have against this company. My car should have been paid off this month but with all the fees and interest, I have another year and a half. They call 8-10 times a day to every number they have. Each representative will give a different answer and lie whenever they have to. If it wouldn't screw up my credit even worse, I would give them the car back, especially since I don't drive to my office every day. But their constant phone calls have interrupted my Zoom and Teams meeting repeatedly and I have asked them to stop multiple times and now it is causing problems with my job. I was homeless in June because of the housing situation and they said they would help only to find out that after my payment was past due they denied my skip a payment. Then I was past due so they couldn't help me until I got current again!! Predatory Lending at it's finest. read more

This is the WORST company I have ever dealt with! Horrible customer service, they never reply to emails - even though they provide that as a form of communication on their website, and they always seem unsure about their processes. I requested a payoff letter from Flagship in order to refi with a new lender. They provided me the letter on 12/19/2019 and I submitted a check for the full amount the very next day (12/20/2019). This check was marked as delivered, but Flagship claimed to never receiving the check, so I had the first check cancelled, and issued a new one for the confirmed, same amount. I figured that given it was around the holidays, the check was probably delayed or somehow marked delivered when it actually hadn't. The second check that I sent was marked as delivered, although I was receiving countless phone calls from Flagship saying my account was past-due. I continued to tell them that my check had been delivered, provided the check and tracking numbers to better assist in the situation. After a couple of days of no activity on my account (i.e. balance being paid off in full), I contacted Flagship inquiring about the status of the pay off. I was transferred four times as no one was able to provide me with any information except for that my check was never received. I then cancelled the second check and overnighted a third check for the confirmed, same amount. Now, I understand this payoff was good for ten days (as stated on the document), although I confirmed the amount due every time I spoke with a representative. During this process, one of the reps even said that they notated my account to honor my original payoff amount. Yesterday, my check was marked as delivered and this morning I logged into my account and it states that I have a couple hundred dollars due. I contacted them and after bring transferred four times again, they said that "since my pay off was paid after the original pay off date, I am responsible for the additional amount." This is very frustrating because I confirmed MANY times with Flagship what amount was due and now, the day my check was applied to my account, they state that I owe a few hundred dollars more. If I was informed properly that my payoff amount was not honored due to the circumstances and that I owed more, I would have had my pay off check be for the new amount. I have never worked with a company that has such a disconnect with communication. Glad I got out of working with them! read more

I had covid for 2 months and was very sick. I called and reached out for help with  flagship and they put one payment on the back end when I was owing over $1000.  I have proof that I was sick. It was not my fault that I got covid.  My brother, who is a cosigner for me, has been hit hard on his credit report. I have reached out to set up a $500 payment on the 24th and $1000 payment on the 2nd of October. All over the flagship website it says that you would help those with covid.  All I want is for these late payments to not hit my brother's credit report.  After going back to work I will not see a paycheck until the 24th. This is a huge stress on me when I am trying to get caught up after being on literally what was almost my death bed.  I don't know what else to do.  It is not my brother's fault either that covid happened to me.  We are not people with deep pockets and sometimes the smaller people need help also. PLEASE HELP ME!   It is 1500 dollars to the millions your company makes every year.  I am at a loss on what to do.  when i am trying my best to put food on my table and get caught up with everything after covid.  I have made a commitment to your company to do this.  and no one seems to even want to hear or listen to me.  I genuinely need help.  Your blog has so much help for the community.  Why does no one want to help the customer? read more

Horrible horrible RUN. Literally the worst loan company I have ever dealt with. Fees that were not logical or correct applied to my account MONTHLY yet when told by customer service they would remove them they never did. Since they never removed said charges my payments (which were all on time) went towards fees showing my loan past due then. Everytime I called nobody could fix this. Found one person who seen the discrepancies and said she would fix it, she did not. Collection calls 3-4 times a day when I had paid my bill. I finally paid all the fees with the promise they would later be reversed after yet another department reviewed them, I paid the fees so it would not go on my credit, and the fees still were never removed. Now I am refinancing the vehicle due to the issues stated above after only 6 months. The process of refinancing has been a nightmare because of flagship dragging their feet. Had to request title 3 times because the fact it where it cannot be read it is so dark, payoff letter had to be requested twice. Was told "we cannot submit requests for 2 separate items on an account at the same time, 1 will cancel the other out" which means I cannot request my payoff letter and copy of title at the same time. Must wait to receive one then request the other.....WHAT!! Once refinance is complete my APR will be 15% lower as well as never having to deal with this company again. Take the fees you got from me and leave me alone. read more