Anonymous

Worst experience ever.

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My account was on auto pay, never missed payments but one day i get a letter that im behind. I always eatch my bank account and the payment always posted the 15th of every month.

For some reason my payment raised and they never notified me of this until i was behind payments. Than they threatened repo of my quad and marked my credit as delinquent and my credit took a hit. No warnings or offer to make good on it. It was only 2 months.

When i tried to call and make good, the lady manager was extremely rude and cursed. So now im fighting to keep my quad and refinamce with someone else. After i paid them what i owed but she told me its too late. Unbelievable, idk how these people sleep at night.

Worse company ever. I will never use them again and will tell everyone i can to use someone else.

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Reason of review:
Problems with payment
1 comment
Guest

Payments are never raised you could only go lower if requested. The reason why your payment was increased was either due to a nsf fee $40 for when Sheffield pull from your account the money was there and a late fee which is usually 4% Sheffield offers HOliday coupons and extensions for less than 30 day delinquent accounts and gives out fee waivers for late or nsf fee charges

Anonymous

False reporting

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They abuse the credit reporting system. Do not report accurately. I have disputed twice and now have a legal team disputing. Run don’t walk
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Reason of review:
Poor customer service
Anonymous

Train your people.

Been trying to pay off my loan and get a copy of a lien release. Called 4 different times!!!!! Each time a get a different answer on how to do it. 2nd to last time was told to get a cashier's check from my bank and call back to pay, when I did that they said they cannot do cashier's checks over the phone.
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Reason of review:
Poor customer service
Anonymous

Criminals in a collar

These folks use any outdated / incorrect data to drive up interest rates. Go elsewhere anf sabe yourself some grief.
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Staley Npv

Repo Due to not applying my payment

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I was 15 days late on my Payment, So I called Sheffield to Pay more than what I owed. They Gladly took my money, The amount was then applied to principal, but not to my payment that was due?

Which makes no sense right? So tonight the Repo Company came to repo the machine I cooperated with them. Sheffield gave the repo company false information that I had 4 machines. So then the repo company insisted I return the machines, which I only have 1 machine The repo company threatened to show up with cops the following day I am very angry now.

Worst finance company!!! I will be giving Sheffield a call and they will pay for everything or I will sue!!!

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Loss:
$500
Reason of review:
Problems with payment

Preferred solution: Let the company propose a solution

1 comment
Guest

Your payments are applied to the principal and toward your amount due. The two go hand in hand Sheffield does not pocket or take money from customers that they do not owe.

That would be fraudulent and be subject to penalties and federal sanctions. If you have multiple accounts it is YOUR responsibility to keep up with payments/ accounts , the account you paid for probably was not the account with a repo on it.

And yes if the account is not paid current then you will be subject to repossession for the account delinquent unfortunately there’s little to nothing you can do in court but waste money due to being legally bound to the contract in which you’ve signed. Lesson: pay your account on time

Anonymous

Fees for using computer pay

i paid my account last month and was not charged to use the computer pay, this month i was charged 3.99 to pay the account online. WHY? Account name is Jimmy R. Chunn Account #12105****. I do not understand this charge, please explain it. More so refund my 3.99, I should not have been charged. You can contact me at this email address Debchunn@***.com. Such a silly restriction to have to write at least one hundred words to contact someone about this, if we had known this about your company we would not have chosen them to finance through. Needless to say we are not happy in the least bit.
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Loss:
$4
Reason of review:
Pricing issue

Preferred solution: Full refund

1 comment
Guest

If you go through a third party payer (western union etc) you will be charged a fee however Sheffield financial accepts online payments without a fee also you are free to call in and make a payment without a fee

Anonymous

Sheffield Financial - Loan Review

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First payment was late due to my own negligence setting up auto pay. I received a $40 late charge and made my payment manually.

Customer service rep said that she would wsive the late payment and stop my auto pay. Before the second payment came due i manually paid it. Sheffield auto pay was not closed like i was told and an auto pay request was kicked out again. Anothet $40.

I was told by them that the auto pay was still functioning and the payment didnt go through even though i was already paid up. No matter to them they will only waive one late charge throughout the life of the loan. What a scam.

Im sure they encourage to make mistakes. Why not more money for bonuses

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Reason of review:
Problems with payment
1 comment
Guest

Sheffield financial employees do not receive bonuses nor is there a behind the scenes account set up to fraudulently take from customers. Sheffield financial appreciates customers , if you were told the wrong information or if an account was applied charges which are inaccurate it is surely worth calling in and requesting to speak with management

Anonymous

Sheffield Financial Customer Care Review

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I had a loan with Sheffield paid on time and paid off . Next time I applied they denied me sound a little *** to me . Why would they deny a proven customer for a shot in the dark . Well *** them don't need their high interest ***
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Reason of review:
Order processing issue
Anonymous

Sheffield Financial Loan Review

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I used a online service that was on your website to make my payment and payments were shown as being lat each month and one payment even showed 30 days late. When you notified me this was happening I got it straightened up and started a new on line payment that your rep.

Recommended have not been late and did not know the payments were showing late until you notified me. When I check my credit report it shows you reported me as being late.

I would appreciate it if you would correct it to the credit bureaus and get it removed from my credit record. Thank you

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Reason of review:
Problems with payment
1 comment
Guest

Sheffield financial reports every 30 days, if you feel like the report is inaccurate then feel free to contact the three credit bureaus transunion equifax and experience to file a credit dispute they will gladly walk you through the steps of submitting a dispute

Anonymous

Sheffield Financial - Loan Review

My father had passed, I had call Sheffield to let them know and that I would take over payments and my address I was turned down. The balance was 4400 with 20 more payments left.

I then offered them 2000 now and 320 for the next six months, still turned down.

They said all the money or lose it, I said I just lost my mom and dad and it cost me 16000 to bury them. They are very heartless I hope these message is very disturbing to others, I would like for slot of people to hear it

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Reason of review:
Problems with payment
2 comments
Guest

I wish someone had told you before you called them, not to. The first thing to do in this situation is to see if there is any death benefit coverage, once again do not call the loan company.

This type of coverage is purchase in case of something terrible like this happens.

The loan, and the credit to secure it, was your fathers. The fiance company will not work with you, for many good reasons to list, to pay it off. The company really should not have given you the opportunity to pay it off with out physical proof of his passing to protect your father and his credit.

I know it doesn't sound like it should so but it is. So what can be done, if you can carry the payments through to the end of the loan? Don't tell the credit company anything least of all that you are making the payments!

Should the need for an address change arise and questions asked the answer is that it is for "security reasons."

Fraud n. the intentional use of deceit, a trick or some dishonest means to deprive another of his/her/its money, property or a legal right.

Helping your family pay their bills is not fraud.

Guest
reply icon Replying to comment of Guest-1319113

Why worry at all your dead fathers credit who cares ,,, keep the equipment for free unless it is a " titled" vehicle the finance company loses ,, quads dirt bikes lawn mowers un titled !!!

Enjoy the free stuff screw shefield ,, thank dad !!

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Anonymous

Where is help whensure you need it thanks

Me and my father in law went to buy a lawn mower for my business he has perfect credit still building mine i have a trailer with yall never been late always always paid early now i cant make the money to pay for trailer because i have no mower wy,they said because i already have a loan well now they definitely want get paid i guess i will have to turn my new trailer in that iv never been late on thanks Sheffield.
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Anonymous

No issues from this customer!

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I have had 4 loans from Sheffield for my trailer, rzr and jet ski and have had zero issues with them. I pay on time and have no problems. I have never been denied credit from them and use them as my go to when I really want something now. Just bought a new RZR 2 months ago and was told by their rep that they would finance me for whatever I needed as long as all loan totals are below 50,000 total and I am sure I will use them again. Pay your bills on time and there should be no problems! Satisfied customer right here. I am thinking of getting a new aluminum trailer soon!
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Reason of review:
Good customer service
1 comment
Baldwin Sio

true

Anthonia Zwv

Don't do it!

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Sheffield is a big joke! i went and tried them out even though my buddy told me not to , i got approved for the trailer loan . ok now i got that set up got my trailer on order and when the trailer finally got here i had to resubmit my application and now they wont approve me! i haul for a living and need the trailer . i had to use a different place with no issues! the customer service at sheffield financial is a total joke! you can tell they are there for just the money and wont work with you! dont understand how they can approve and turn around for the same person and not approve made my situation 5 times harder than it should have been ! will not go through them ever!
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Loss:
$7500
Cons:
  • How they handled things
  • Attitude of customer service representative
  • Business practice
Reason of review:
Poor customer service

Preferred solution: Let the company propose a solution

Anonymous

Fraudulant Business Practice's

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I called Sheffield Fin. and asked what the minimum credit rating for a loan to be approved so that I would use another route if need be.

They told me they used Equifax and them minimum score was 675, I having much higher than that I applied and got turned down. I called them and they said I had a return score of 652, I told them I just called Equifax and got my score from them and it was 695.

They told me "No they gave me the wrong information" so I called Equifax they told me that my hard pull was 695 and that was that but some company's just pull info and determine their own by using the info on Equifax, I then call Sheffield back and they again told me "No that Equifax was flat out wrong." I now have a hard pull on my credit for the next two years because of there inability to tell a consumer truthfully how they figure the score. Stay away Rude and Shady.

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Cons:
  • Fraudulent advertising
Reason of review:
Problems with payment
Anonymous

GO SOMEWHERE ELSE DON'T USE SHEFFIELD *CROOKS*

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I highly recommend you don't use Sheffield. I was making my regular payments to pay off a small trailer loan and they didn't mark a few of my payments, however, I was charged on my bank statement. .DO NOT USE THEM THEY WILL STEAL YOUR MONEY. It's worth it to call around to other banks/lenders. DO NOT USE {{Redacted}}
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Loss:
$200
Reason of review:
Problems with payment
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