Dividend FinanceReviews of dividendfinance.com

they talk the talk to get you to sign and then walk away from any moral responsibility or federally mandatory lending practices. This is coming from a Marketing Executive from a top 10 US Regional bank. This is not how lending laws are supposed to work.

This is the absolute WORST company to borrow money from!! I had a bathroom remodel. The construction said we could do financing. Ok, cool. They run us through a couple loan companies to see who we would qualify for. Dividend ended up being the one. The construction company explained my monthly payments and we agreed okay cool. A few months to a year later, I call Dividend to see how much I have left to pay. I know it's alot, but trying to keep finances in order.... the amount they tell me is OVER my original total. What the heck?!?! Makes no sense. I have been paying monthly payments ever since I needed to start paying them. They tell me it's the interest, but doesn't go into detail. I get furious because there is no way that is legit. I hang up and just stop thinking about it. I leave it alone for about a year. I still make my monthly payments. About a year later, I just get off the phone with them. My total is STILL HIGHER than my total amount. I asked what the hell? I am furious again. What company hijacks their prices when you are making monthly payments on them? Dividend then tells me that there is 4% interest accrusing DAILY!! DO WHAT NOW? Nobody said this!! She proceeds to tell me this is what I signed up for. UM NO. Not one person from the financial institution reached out to me to explain this crap. I talked with the construction company, who has no authority to explain the finances. I would never have signed with a company who fraudently takes advantage of situations causing you to pay more than you should be paying. There is no company that I have ever signed with that causes your total to increase if you make monthly payments. I hope the IRS gets involved with them and shuts them down. They deserve to go out of business.

Customer service is horrible. They took out 4, yes 4 payments for a single month. Then credited them back. They called saying since 4hey credited too much, we owed them a payment. Never during the conversation was it mentioned that they credited the monthly payment. They allowed it to become a late payment. Now they want another payment to make up for it. Any conversation with them is confusing and not fully honest. Avoid doing business with them at all costs.

Day two of trying to get customer service to call me! This is ridiculous. And the message says customer service is important...hmm. Seriously thinking of taking a loan out elsewhere if this is what I am dealing with.

We had a loan with them to pay for a new roof. We had a promotion to pay it off by a certain date to receive zero interest charges. In the beginning I had a hard time setting up an automatic payment each month. I was finally able to get ahold of someone and they helped me set it up. When it came time to pay it off, I went online to my account. There isn't any link to cancel/amend an automatic payment. So I thought I would setup another ACH for the payoff amount, thinking that it would cancel the first one. NOOO! It added another payment. I kept track and over the course of 3 days I made well over 125 calls to both numbers they have. If it didn't ring then go to a "leave a message and we'll call you back" announcement, it would immediately announce that "your call can not go through as dialed, please call again later". The first ACH was deducted from our account on a Sunday. The second one was set to come out on the next business day, Monday. I found a link to send an email and I sent a harsh email asking that ANYONE please call me. I explained what I was trying to do. Someone finally did call me and they straightened out the second ACH to pay the remaining balance.

Customer service is nonexistent at this business. I am installing solar, and Davided sent me an email stating that the project had been finished and that if it hadn't, I should call customer service, which I did. When the representative picked up the phone, it seemed like she didn't give a damn. I tried to convey to her that the job was not finished, but all I get back is, essentially, "Call the solar company." Hence, they sent me an email asking me to notify them if the job was not finished. bottom line i can tell they have no customer service. I wish I had done my homework to call them first.

I wish I had read the reviews more carefully before doing business with this company. Customer service is a misnomer. There is none. There is only a department that assures you they will look into the issue and get back to you which, in my case, took several more phone calls and then 18 days of extra interest charges later, an explanation that they couldn't do anything about the extra interest charges. I spoke with customer service, supervisor and then manager outside of the billing department, as the supervisor in the billing department said he does not have the authority to reverse interest charges. Each time I was told someone would return my call. Finally I refused and insisted I would hold for the next person since they don't return calls for 2 or more "Business days" allowing them to tack on more interest. They apparently want to make it as difficult as possible to payoff a loan early. I am still on hold trying to get out of their clutches. Please, take my advise, save yourself the headaches, and use any other company!

Dividend Finance provided a loan to a solar company (PowerHome Solar/Pink Energy) that semi-installed faulty equipment. The Dividend Finance company paid in full the loan to the solar company prior to the job being finished. Dividend Finance is now holding me accountable to pay a loan for a job/service/product that does not work and has never worked. This company is suspected to be a part of questionable business practices.