Point Break Financial Reviews 7

I received an offer through the traditional USPS. The offer clearly stated "This is a solicitation for a loan, not a bill." I started the process online April 10 and immediately received a telephone call from the agent.

With that agent, I discussed wanting a personal or secured loan. After going through the process, I was told the approval department was closed and the agent would call me back on Monday. I never received that call back.

On May 4, I initiated a phone call and spoke to a different agent. This agent submitted my information to the "approvals department." After a brief hold of 3-4 minutes, the agent returned to offer a "program" in which I would pay a monthly fee to an attorney's office, who would then dispute the debt on my credit report.

I clearly stated I was not interested. I'm not disputing what I owe; I only wanted to consolidate for a lower interest rate and monthly payment.

Upon stating I was not interested in this type of program, the agent continued to berate me and spoke in an incredibly condescending tone.

I reiterated that I was not interested in the program he was offering. I was interested in either a personal or secured loan and if that was not an option, I would need to end the conversation; at which point the agent said something inaudible and hung up.

Because I'm in the process of investigating my options for debt consolidation, I do know that I am eligible for both personal and secured loans, as I already have those approvals.

It's clear that the original offer I received via USPS is, at the very best, deceptive marketing practices, claiming it's a "solicitation for a loan," when in reality it's to enroll people into their debt dispute program.

Ryan lipke degrades and harasses potential clients. Calls you broke and laughs

I was directed to Elite Legal Practice by Point Break Financial. This bait and switch process has resulted in complete financial disaster for me. Please be aware of these deceptive practices by both of them. As you will lose a lot of money in the end. Results are an Epic Fail. Respectfully, Dennis Coble

I'm giving mixed results because I received a letter in the mail from point break financial stating I was pre approved for a 50.000 debt consolidation loan different from a debt relief/settlement option. My biggest problem with this is if you do basic research you will discover that this institution does not offer loans it's through a third party and this institution primary goal is to get you in a debt relief program but the letter doesn't mention it. Update : 4/13/26 point break financial responded to my review and that's great because most places won't but on trust pilot they do more often than not. I started with 3 now I'm giving 4 stars point break financial stated they will evaluate the way they do business.

I can’t say enough good things about Point Break Financial. From my first call, I felt like I was actually talking to real people who cared — not just being pushed through some automated system. It was such a relief to speak with friendly agents who took the time to answer my questions and explain everything clearly.
The payment plans were also a huge plus. They worked with me to find an option that truly fit my budget, and the whole process felt simple and stress-free. No pressure, no confusion — just straightforward help and understanding.
It’s rare these days to get that kind of personal service. I’m really grateful for the support I received and would absolutely recommend them to anyone looking for flexible payment options and genuinely kind customer service.

Point break was there for me and helped me through a very tough financial period of my life. I will forever be grateful for them helping me navigate a very tough situation. It was easily the hardest financial point of my life to date, and they helped me gain understanding and helped me along the way navigate the legal ramifications as well as providing financial stability. If you were in a tough financial spot, I would recommend them 10 out of 10 times. They made it very easy to just worry about a payment and did all the legwork. Made my job very easy through the process by putting me in a position to where I could make all my payments, on my timeline. Extremely helpful.