Where the score comes from

Each source counts by its number of reviews. Only reviews written by people are scored.

Rating, volume, share of the score, six-month trend and fake-review risk for each source
Source	Rating	Reviews	Weight	6-mo	Fake risk
Trustpilot Imported Trustpilot reviews	3.6	60	100%		● Low

3.6 / 5 overall

60 reviews across 1 scored source

How fake risk works ⓘ

Reputation trend

Monthly average rating from reviews written by people · latest review Feb 2025.

Last 3 months: 1.5▲ 0.5
12-month avg: 1.5
All-time: 3.6
Category avg: 4.2

Monthly averageCategory average

How it compares

Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Investment Services.

Overall rating and review count for this company and similar companies
Company	Overall	Legit	Service	Value	Trend	Reviews
CIVIC Financial ServicesThis company	3.6 out of 5 (good)	100 out of 100	3.9 out of 5 (good)	2.0 out of 5 (poor)	—	60
International Card Services	4.2 out of 5 (good)	100 out of 100	3.3 out of 5 (fair)	—	—	1,200
Frontier Home Insurance	4.7 out of 5 (good)	100 out of 100	4.7 out of 5 (good)	4.7 out of 5 (good)	—	1,060
JustCover Travel Insurance	4.8 out of 5 (good)	100 out of 100	4.9 out of 5 (good)	4.7 out of 5 (good)	—	1,060
247 Home Rescue	4.8 out of 5 (good)	100 out of 100	4.7 out of 5 (good)	3.9 out of 5 (good)	—	1,060

Bottom line: CIVIC Financial Services is #5 of 5 on overall rating in this group. On value, Frontier Home Insurance scores higher (4.7 vs 2.0).

D & R Real Estate Holdings LLC

1 review

Sep 6, 2022

BEWARE BEWARE BEWARE!

BEWARE BEWARE BEWARE! BEWARE OF THIS LENDER. THEY ARE KNOWN FOR THEIR DISHONESTY! My acquisition/construction loan although in the name of my company, they can't seem to find to reply. My name is Donald Cole and it is my opinion, the opinion of other mortgage lenders, banker and brokers, along with my attorney, that what was done to me was a type of fraud. I am putting together a class action suit against them. I will be trying to contact everyone who has left a bad review to see If any of you wish to participate in a class action suit against this company, the owners as well as their individual investors. I AM COMPILING A LIST FOR MY ATTORNEY to decide if I bring a suit by myself or if there are enough for a class action suit against Civic. I was told that the only reason they have not been stopped as yet is because people like myself are embarrassed and have been drained of their finances so they are left with no good money trying to get back the bad Anyway, here is MY story: During the purchase process they procrastinated the loan month after month by constantly requesting paperwork we had already sent to them until we were about to lose the deal and they were the only lender we had left. Then once they hooked us, we closed, using about $185,000 towards the purchase price with an additional $207,000 in a construction LOC. We had only accessed $185,000 of the loan for acquisition so after a few months I inquired as to why my interest payments we so high and found they were charging me interest on the full $400,000 loan even though we had only accessed $185,000. AS IF THAT WASN'T BAD ENOUGH they would not properly release constructions funds to keep the project going in a timely manner FOR OVER A YEAR AND A HALF, placing another $30,000 intererst in their coffers! They made it EXTREMELY DIFFICULT to access our construction funds to the point we had to sell the property after we had only beening able to complete the demo. We only found out later when talking to other lenders that Civic is KNOWN in the industry for doing these things.

Report

Month	Average	Reviews
Jun 24	2.0	2
Jul 24	1.0	1
Aug 24	—	0
Sep 24	—	0
Oct 24	—	0
Nov 24	1.0	1
Dec 24	2.0	1
Jan 25	—	0
Feb 25	1.0	1

CIVIC Financial Services reviews & trust report

CIVIC Financial Services has a positive customer experience.

Best for

Watch out for

Where the score comes from

Reputation trend

What people praise & complain about

Top praiseof 37 positive reviews

Top complaintsof 20 negative reviews

How it compares

Reviews

Customer reviews (60)

Stay away and look for the help from…

They hided a clause in the note that on…

lack of disclosure and high interest of 8 percent to 720 plus…

CIVIC Financial Services FAQ

What types of investment services does CIVIC Financial Services offer?

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How do you handle customer complaints or issues?

Is there a risk of hidden fees or clauses in your agreements?

Alternatives to CIVIC Financial Services

International Card Services

Frontier Home Insurance

JustCover Travel Insurance

247 Home Rescue

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The CrowdTrust Experience⭐

Do not trust them

Civic financial is the biggest scam…

Avoid this Financial Services..

Avoid.. Avoid... Avoid...

citizen bank the lie and lie until you…

1 star too many-RUN Unprofessional Bad Business

Our nightmare started with a civic…

After submitting all documents and…

DO NOT DO IT!!!

Civic closes a lot of investor loans and they suck

Beware of Civic Financial…

Worst experience I've ever had as an…

BEWARE BEWARE BEWARE!

If you started with it may be too late

The absolute worst hard money lender

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About CIVIC Financial Services