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    Professional Credit Service

    1.0 (2 reviews)

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    11 years ago

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    8 years ago

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    Valley Credit Service

    Valley Credit Service

    (6 reviews)

    These people are complete jerks and liars. I called to try and settle a medical dept. I made a fair…read moreoffer to settle. They refused and acted like they didn't buy the debut for half the price of what's owed. Then they tried to shame me for having the debt. I would have paid the medical bill directly if I had the money. Shaming me does nothing but make me not want to pay Pro tip: If your medical bill is under 500 they can't hurt your credit. Screw these people!!!

    Horrible customer service. I had an account sent to collections because my ex-husband refused to…read morepay his half of my daughter's ER bill. I called to set up payment arrangements on a balance just under $600. I could pay $100 a month possibly more but wanted to make payments of $100. Was told that wasn't enough and I had to pay $190 a month. I went into the online pay system and it said minimum payment was $100 so I though hey cool that is what I wanted it must have been set at that minimum and I could pay more if possible. After making 3 payments I get a letter that says I didn't make the payment amount that I had arranged over the phone and unless I paid the remaining in 10 days they were filing with the court. When I called to find out what the heck I was told I had to pay the remaining in full by the 16th or they would take court action. That if I couldn't make the payment of $190 I should have told them and they would have looked at my financials to see what I COULD pay... LIE!!! I was NEVER offered to submit financials to prove what I could or couldn't pay. Then I told SHELBY that I would just keep making the $100 payments and it would be paid off by the time they got an action through the courts... she said "I will just reject any of those payments. I won't accept them." Ummmm you don't get to reject payment on a debt... I'll find a way to pay it - on the last day possible to make them do the prep work to file in court and then not. ALSO I am the business manager and we have this agency set as our collection agency... I just prepped 17 files for collections with just over $30k in interest accruing collections.... I will be taking our business elsewhere. I hope that getting your $286 a month sooner was worth the loss of business. You may want to do some new training with your "pitbull" reps... Her attitude just lost you potentially $9000+ in fees.

    Phil Gerstner - Lighthouse Financial Enterprises, Inc. - Best Mortgage Lender Salem, OR

    Phil Gerstner - Lighthouse Financial Enterprises, Inc.

    (5 reviews)

    The only reason I gave a rating of "five" is because there isn't an option to give SIX!…read more My wife and I have had a lot of experience over the last 23 years buying and selling properties. We had been watching property in a very specific part of town for nearly two years. As our country's financial outlook began to turn gloomy, we decided we'd better pull the trigger quickly before rates went to the moon. A friend we trust recommended Phil Gerstner at Lighthouse Home Loans. We reached out to Phil and the rest is history. Understand, we've bought and sold more than a dozen properties in a couple of decades and we have NEVER had such an OUTSTANDING experience as we did with Phil and his team. We thought for certain we'd waited too long and would pay the price through high rates. Phil shopped our loan HARD and found us several options to choose from that made sense and were manageable for us. Phil took the time to teach us about the process, broke each option down into steps that helped us understand potential outcomes BEFORE we made a decision. We have NEVER had a broker take the time and spend the energy doing this before and we have come to VALUE Phil's thoughtful input. I CANNOT RECOMMEND PHIL AND LIGHTHOUSE LOANS STRONGLY ENOUGH. You will be doing yourself, your family, and your future a huge disservice if you don't at least have a conversation with him, talk about your plans, dreams, and options. Thanks Phil and Lighthouse! We LOVE our new home.

    Phil was knowledgeable, responsive and extremely helpful in making sure we had a good experience as…read morefirst time home buyers. He made every effort to get us the best deal and was constantly giving us good news. I really liked working with Phil and Lighthouse Home Loans. I would HIGHLY recommend them to anyone.

    OneMain Financial

    OneMain Financial

    (2 reviews)

    Applied with all the personal information that they ask for, then get a text from one of their…read morerepresentatives that I'm approved but they want to speak with me the following day. Get a call from the representative the following day, giving out more private information, then after a hold told I was not approved (well, they didn't say that but it was the implied answer-if you pay off your collateral (which is what they wanted) with the loan, there would be no money left over. Considering what I owed on collateral and the loan amount, there would have been 11k left over but who would expect a financial agency to know how to do the math.

    If I could give negative stars somehow I would. I've had a loan with this location for over 6 years…read moreand they keep finding more and more ways to drag it out. I've filed BBB complaints and they literally could care less they are going to continue to be predators. A $10k consolidation loan has somehow now cost me almost $30k. If you make extra payments to try to pay off the loan early it doesn't matter they already calculated and tacked all their interest on and are going to squeeze every last dime out of you. I've even spoken to the corporate office who were going to address some of the issues and let me pay off the loan sooner but when they saw it originated at this branch there was no longer anything they could do. Clearly their practices are not even in line with the corporate practices. They also refuse to speak on a recorded line or answer questions via email where their responses can be recorded. That practice alone should deter you from taking a loan with this business. If they were above board they would have nothing to hide. To top it all off I owe less than one payment left on my loan and now even though it's listed on no statement anywhere they are telling me I need to pay an additional $1000 in interest due to a one time $105 NSF fee from years ago. $1000! Which has not been documented anywhere and now they are pulling out of a hat to try to squeeze even more money from me. This place is an absolute predatory scam business. Call the corporate office and go through their online loan company if you really want to do business with one main but DO NOT use this branch.

    Professional Credit Service - debtrelief - Updated May 2026

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