Heidi C.
Very rude representative - he laughed and berated me
As others have mentioned, I came home today with a mailer from point break financial for a loan offer. Due to an upcoming surgery, and no medical insurance, I decided to apply. I went through the online portion of the process and then I received a phone call from Justin G. The representative did a soft pull and then decided to berate me, because I have a bankruptcy on my report from a year ago. I have since purchased a new vehicle and opened some credit to get my score back up. After berating me, he laughs a few times and then tells me he is glad I am doing so much better than him and have a bankruptcy on my credit and then tells me to have a good day and hangs up on me. Not a professional representative or business, based on other reviews, or anyone you want to do business with. I wish I had read the reviews first.
Response from Point Break FinancialOct 14, 2026
Thank you for taking the time to bring this to our attention. We are deeply sorry to hear about your experience with our representative, as well as the distress this situation caused, especially during an already challenging time while preparing for an upcoming surgery. Please accept our sincere apologies for how you were treated. The behavior you described is completely unacceptable and is certainly not indicative of the standards, empathy, and level of professionalism that are taught, expected, practiced, and upheld at Point Break Financial. We take allegations of improper conduct extremely seriously. While privacy and personnel laws prevent us from disclosing specific actions, please be assured that this matter has been thoroughly investigated and addressed internally in accordance with our policies, as this type of behavior simply is not tolerated at our company. We strive to ensure every customer is treated with the utmost dignity and respect, regardless of their financial history.




