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  5. EAGLE FINANCIAL SERVICES, INC.

EAGLE FINANCIAL SERVICES, INC.

Company Details

Name: EAGLE FINANCIAL SERVICES, INC.
Legal type: Kentucky Corporation
Status: Active
Standing: Good
Profit or Non-Profit: Profit
File Date: 04 Apr 1994 (31 years ago)
Organization Date: 04 Apr 1994 (31 years ago)
Last Annual Report: 17 Feb 2025 (2 months ago)
Organization Number: 0328875
Industry: Non-Depository Credit Institutions
Number of Employees: Large (100+)
ZIP code: 41042
City: Florence
Primary County: Boone County
Principal Office: 7791 DIXIE HIGHWAY, SUITE B, FLORENCE, KY 41042
Place of Formation: KENTUCKY
Authorized Shares: 100

form 5500

Plan Name Plan Year EIN/PN Received Sponsor Total number of participants
EAGLE FINANCIAL SERVICES, INC. 2013 611260290 2014-10-14 EAGLE FINANCIAL SERVICES, INC. 104
File View Page
Three-digit plan number (PN) 501
Effective date of plan 2010-01-01
Business code 522291
Sponsor’s telephone number 8595253070
Plan sponsor’s mailing address 7791 DIXIE HIGHWAY SUTE B, FLORENCE, KY, 41042
Plan sponsor’s address 7791 DIXIE HIGHWAY SUTE B, FLORENCE, KY, 41042

Number of participants as of the end of the plan year
Active participants 112
Retired or separated participants receiving benefits 0
Other retired or separated participants entitled to future benefits 0

Signature of
Role Plan administrator
Date 2014-10-14
Name of individual signing EDWARD REYNOLDS
Valid signature Filed with authorized/valid electronic signature
Role Employer/plan sponsor
Date 2014-10-14
Name of individual signing EDWARD REYNOLDS
Valid signature Filed with authorized/valid electronic signature
Role DFE
Date 2014-10-14
Name of individual signing BILLIE ROTERT
Valid signature Filed with authorized/valid electronic signature
EAGLE FINANCIAL SERVICES, INC. EMPLOYEE BENEFIT PLAN 2011 611260290 2012-10-11 EAGLE FINANCIAL SERVICES 82
File View Page
Three-digit plan number (PN) 501
Effective date of plan 2010-01-01
Business code 522291
Sponsor’s telephone number 8595253070
Plan sponsor’s mailing address 7791 DIXIE HIGHWAY, FLORENCE, KY, 41042
Plan sponsor’s address 7791 DIXIE HIGHWAY, FLORENCE, KY, 41042

Plan administrator’s name and address
Administrator’s EIN 611260290
Plan administrator’s name EAGLE FINANCIAL SERVICES
Plan administrator’s address 7791 DIXIE HIGHWAY, FLORENCE, KY, 41042
Administrator’s telephone number 8595253070

Number of participants as of the end of the plan year
Active participants 87
Retired or separated participants receiving benefits 0
Other retired or separated participants entitled to future benefits 0

Signature of
Role Plan administrator
Date 2012-10-11
Name of individual signing EDWARD REYNOLDS
Valid signature Filed with authorized/valid electronic signature
Role Employer/plan sponsor
Date 2012-10-11
Name of individual signing EDWARD REYNOLDS
Valid signature Filed with authorized/valid electronic signature
Role DFE
Date 2012-10-11
Name of individual signing BILLIE ROTERT
Valid signature Filed with authorized/valid electronic signature
EAGLE FINANCIAL SERVICES, INC. EMPLOYEE BENEFIT PLAN 2010 611260290 2011-10-13 EAGLE FINANCIAL SERVICES, INC. 84
File View Page
Three-digit plan number (PN) 501
Effective date of plan 2010-01-01
Business code 522291
Sponsor’s telephone number 8595253070
Plan sponsor’s mailing address 225 MAIN STREET, SUITE I, FLORENCE, KY, 41042
Plan sponsor’s address 225 MAIN STREET, SUITE I, FLORENCE, KY, 41042

Plan administrator’s name and address
Administrator’s EIN 611260290
Plan administrator’s name EAGLE FINANCIAL SERVICES, INC.
Plan administrator’s address 225 MAIN STREET, SUITE I, FLORENCE, KY, 41042
Administrator’s telephone number 8595253070

Number of participants as of the end of the plan year
Active participants 83
Retired or separated participants receiving benefits 0
Other retired or separated participants entitled to future benefits 0

Signature of
Role Plan administrator
Date 2011-10-13
Name of individual signing EDWARD REYNOLDS
Valid signature Filed with authorized/valid electronic signature
Role Employer/plan sponsor
Date 2011-10-13
Name of individual signing EDWARD REYNOLDS
Valid signature Filed with authorized/valid electronic signature
Role DFE
Date 2011-10-13
Name of individual signing BILLIE ROTERT
Valid signature Filed with authorized/valid electronic signature

Director

Name Role
EDWARD G. REYNOLDS Director
Edward G Reynolds Director

Incorporator

Name Role
EDWARD G. REYNOLDS Incorporator

Registered Agent

Name Role
INCORP SERVICES, INC. Registered Agent

Officer

Name Role
Robert Whitehouse Officer
Edward G Reynolds Officer

Licenses

Department License Number License Type / Line of Authority Status Issue Date Effective Date Inactive Date Expiry Date Address
Department of Financial Institutions 1558 Consumer Loan Current - Licensed - - - - 7791 Dixie HighwaySuite BFlorence , KY 41042
Department of Financial Institutions 1660 Consumer Loan Closed - Surrendered License - - - - 146 North Lake DrivePrestonsburg , KY 41653
Department of Financial Institutions CL417051 Consumer Loan Open - Pending - - - - -
Department of Insurance DOI ID 401081 Agent - Property Denied - - - - -
Department of Financial Institutions CL322242 Consumer Loan Closed - Surrendered License - - - - 137 Orchard DriveNicholasville , KY 40356
Department of Insurance DOI ID 401081 Agent - Health Active 2023-07-20 - - 2026-03-31 -
Department of Insurance DOI ID 401081 Agent - Life Active 2022-06-10 - - 2026-03-31 -
Department of Insurance DOI ID 401081 Agent - Limited Line Credit Active 2022-06-10 - - 2026-03-31 -
Department of Insurance DOI ID 401081 Agent - Credit Personal Property & Unemployment Inactive 2000-02-03 - 2000-08-07 - -
Department of Insurance DOI ID 401081 Agent - Credit Life & Health Inactive 1998-12-14 - 2000-08-07 - -

Assumed Names

Name Status Expiration Date
EAGLE LOAN COMPANY Active 2029-08-27
EAGLE FINANCE COMPANY Active 2029-08-27
Big O Tires Financing Active 2027-02-28
EAGLE LOAN Inactive 2027-01-25
SERVICE MAESTRO, INC. Active 2026-05-19
SIMS FURNITURE FINANCE Active 2026-02-01
BUY HERE, PAY HERE FURNITURE, INC. Inactive 2021-02-13
HOME FURNITURE FINANCE Inactive 2020-05-03
FITZPATRICK FURNITURE FINANCE Inactive 2020-03-24
FITZPATRICK'S FURNITURE FINANCE Inactive 2015-05-03

Filings

Name File Date
Annual Report 2025-02-17
Assumed Name renewal 2024-10-24
Certificate of Withdrawal of Assumed Name 2024-08-27
Certificate of Assumed Name 2024-08-27
Assumed Name renewal 2024-08-27
Annual Report 2024-03-06
Name Renewal 2023-06-09
Name Renewal 2023-06-09
Annual Report 2023-03-15
Annual Report 2022-03-04

CFPB Complaint

Complaint Id Date Received Issue Product
11775885 2025-01-27 Incorrect information on your report Credit reporting or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Eagle Financial Services, Inc.
Product Credit reporting or other personal consumer reports
Sub Issue Account status incorrect
Sub Product Credit reporting
Date Received 2025-01-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-27
11240195 2024-12-22 Improper use of your report Credit reporting or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company Eagle Financial Services, Inc.
Product Credit reporting or other personal consumer reports
Sub Issue Credit inquiries on your report that you don't recognize
Sub Product Credit reporting
Date Received 2024-12-22
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-12-22
6881827 2023-04-25 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Eagle Financial Services, Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Old information reappears or never goes away
Sub Product Credit reporting
Date Received 2023-04-25
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-04-25
Consumer Consent Provided Consent not provided
3856786 2020-09-21 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company Eagle Financial Services, Inc.
Product Debt collection
Sub Issue Debt was paid
Sub Product I do not know
Date Received 2020-09-21
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-09-21
Complaint What Happened A month or so ago this firm has decided to garnish wages for an amount over 3 times what the original balance of the alleged debt was. The amount I owe their client on this charged off this alleged debt is {$1000.00}. They are garnishing my check for over {$3600.00} Im am being taken advantage of and exploited. They are extremely rude to deal with. Wont return calls and are making my life XXXX. This is from a debt that is over 6 years old. I had a payment arrangement with the client I paid over {$160.00} already on this alleged debt. I still believe this amount is incorrect because the alleged debt was paid on before. I lost my job due to THE PANDEMIC. I am just now getting back on my feet and this company continues to inflict harm.
Consumer Consent Provided Consent provided
3841540 2020-09-11 False statements or representation Debt collection
Issue False statements or representation
Timely Yes
Company Eagle Financial Services, Inc.
Product Debt collection
Sub Issue Attempted to collect wrong amount
Sub Product Payday loan debt
Date Received 2020-09-11
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-09-11
Complaint What Happened Around XXXX of this year they sent a sheriff to my home they don't communicate well. I entered into a payment arrangement in XXXX to prevent a wage garnishment. I lost my job and my brother around the same time. They are extremely predatory. They offered a settlement amount of {$1100.00} in XXXX and told me any payments I made would go towards that amount. They are now telling me in order to settle I need to pay XXXX they have began garnishing my check for a total amount of {$3600.00} I only borrowed around a XXXX from them and actually paid that loan down. They are taking advantage of me. This loan was taken in 2014 and they have already charged it off. I'm trying to make this right but they are taking advantage of me.
Consumer Consent Provided Consent provided
3283259 2019-06-22 Problem with additional add-on products or services Payday loan, title loan, or personal loan
Issue Problem with additional add-on products or services
Timely Yes
Company Eagle Financial Services, Inc.
Product Payday loan, title loan, or personal loan
Sub Product Installment loan
Date Received 2019-06-22
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-06-22
Consumer Consent Provided Other
3329661 2019-08-05 Charged fees or interest you didn't expect Payday loan, title loan, or personal loan
Issue Charged fees or interest you didn't expect
Timely Yes
Company Eagle Financial Services, Inc.
Product Payday loan, title loan, or personal loan
Sub Product Personal line of credit
Date Received 2019-08-05
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-08-05
Complaint What Happened got a XXXX dollar loan 13 yrs ago and they just now came after me how do I XXXX them over
Consumer Consent Provided Consent provided
9842164 2024-08-12 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company Eagle Financial Services, Inc.
Product Debt collection
Sub Issue Debt is not yours
Sub Product I do not know
Date Received 2024-08-12
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-08-18
Consumer Consent Provided Consent not provided
3028601 2018-09-25 Problem when making payments Payday loan, title loan, or personal loan
Issue Problem when making payments
Timely Yes
Company Eagle Financial Services, Inc.
Product Payday loan, title loan, or personal loan
Sub Product Personal line of credit
Date Received 2018-09-25
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-09-25
Consumer Consent Provided Consent not provided
6706446 2023-03-17 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Eagle Financial Services, Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Public record information inaccurate
Sub Product Credit reporting
Date Received 2023-03-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-03-17
Consumer Consent Provided Consent not provided
3068355 2018-11-07 Problem with credit report or credit score Vehicle loan or lease
Tags Servicemember
Issue Problem with credit report or credit score
Timely Yes
Company Eagle Financial Services, Inc.
Product Vehicle loan or lease
Sub Product Title loan
Date Received 2018-11-07
Submitted Via Phone
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-11-16
Consumer Consent Provided N/A
3136855 2019-01-30 Charged fees or interest you didn't expect Payday loan, title loan, or personal loan
Issue Charged fees or interest you didn't expect
Timely Yes
Company Eagle Financial Services, Inc.
Product Payday loan, title loan, or personal loan
Sub Product Title loan
Date Received 2019-01-30
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-01-30
Complaint What Happened I took out a title loan with Eagle Financial in XXXX and I was supposed to be done paying it back XXXX XXXX well I fell on hard times, lost my job and got behind but I did good because I didn't fall behind until my last months of payments. However, I only had 3 payments left but the company is reporting that I owe more and that is not accurate and at this point I need my title back and an accurate credit reporting. I have disputed this with the credit bureaus 3 times now as of the last 3 months and Eagle just responds verified which does not show proof of anything. Now I am reaching out to you to see where this can go before taking other action.
Consumer Consent Provided Consent provided
2948240 2018-06-27 Written notification about debt Debt collection
Issue Written notification about debt
Timely Yes
Company Eagle Financial Services, Inc.
Product Debt collection
Sub Issue Didn't receive enough information to verify debt
Sub Product I do not know
Date Received 2018-06-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-06-27
Consumer Consent Provided Other
4015840 2020-12-16 Struggling to pay your loan Payday loan, title loan, or personal loan
Tags Older American
Issue Struggling to pay your loan
Timely Yes
Company Eagle Financial Services, Inc.
Product Payday loan, title loan, or personal loan
Sub Product Personal line of credit
Date Received 2020-12-16
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-12-16
Complaint What Happened I am on fixed income, and not able to work. I have all bills to pay out of my Social Security, and retirement. I contacted XXXX XXXX XXXX, and I turned XXXX XXXX XXXX in, and all my credit cards and two loan companies. I talked with the Eagle Finance and told them what I was doing, so in the month of XXXX they stopped the payment. The manager then called me and told me they did not deal with XXXX XXXX XXXX. I called my bank and begged them to stop the payment. The Eagle Finance in XXXX, Kentucky took XXXX 's payment out this month and now is taking out XXXX 's. My rent check will come back on me now that this has happened. I bank With XXXX XXXX XXXX XXXX XXXX XXXX, and they will not help me with this situation. They will not stop the pending payment that the finance company it taking out for the second time this month. This is really causing me some financial problems. I have a very sick daughter that I am responsible for, and she can not get XXXX. I called the finance company this morning ask them to stop the payment and they refuse. They said the manager would call me back when he came in at XXXX XXXX. He never called them, so the XXXX XXXX XXXX told me to contact FTC, and FTC sent me to you guys. My phone number is XXXX.
Consumer Consent Provided Consent provided
3353974 2019-08-26 Written notification about debt Debt collection
Issue Written notification about debt
Timely Yes
Company Eagle Financial Services, Inc.
Product Debt collection
Sub Issue Didn't receive enough information to verify debt
Sub Product I do not know
Date Received 2019-08-26
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-08-26
Consumer Consent Provided Consent not provided
4719192 2021-09-14 Improper use of your report Credit reporting, credit repair services, or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company Eagle Financial Services, Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Credit inquiries on your report that you don't recognize
Sub Product Credit reporting
Date Received 2021-09-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-09-14
Complaint What Happened Have used eagle finance before but been years ago. Just recently became aware, my credit has two hard inquiries on it from them. One from a year ago and one from now. I have not authorized either of these.
Consumer Consent Provided Consent provided
6644268 2023-03-03 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company Eagle Financial Services, Inc.
Product Debt collection
Sub Issue Debt was paid
Sub Product I do not know
Date Received 2023-03-03
Submitted Via Postal mail
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-03-03
Consumer Consent Provided N/A
5779543 2022-07-17 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Eagle Financial Services, Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2022-07-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-07-17
Complaint What Happened I filed bankruptcy in 2018 and this creditor was paid off. There is something still showing up on my credit report as past due and late payments.
Consumer Consent Provided Consent provided
2921492 2018-05-30 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Eagle Financial Services, Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Information belongs to someone else
Sub Product Credit reporting
Date Received 2018-05-30
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-05-30
Consumer Consent Provided Consent not provided

Paycheck Protection Program

Loan Number Loan Funded Date SBA Origination Office Code Loan Delivery Method Borrower Street Address
3469207105 2020-04-11 0457 PPP 7791 Dixie Highway, FLORENCE, KY, 41017-2602
Loan Status Date 2022-04-06
Loan Status Paid in Full
Loan Maturity in Months 24
SBA Guaranty Percentage 100
Loan Approval Amount (at origination) 274324.1
Loan Approval Amount (current) 274324
Undisbursed Amount 0
Franchise Name -
Lender Location ID 121598
Servicing Lender Name Texas Capital Bank
Servicing Lender Address 2000 McKinney Ave, Ste 700, DALLAS, TX, 75201-1985
Rural or Urban Indicator U
Hubzone N
LMI Y
Business Age Description Existing or more than 2 years old
Project Address FLORENCE, KENTON, KY, 41017-2602
Project Congressional District KY-04
Number of Employees 30
NAICS code 441320
Borrower Race Unanswered
Borrower Ethnicity Unknown/NotStated
Business Type Limited Liability Company(LLC)
Originating Lender ID 121598
Originating Lender Name Texas Capital Bank
Originating Lender Address DALLAS, TX
Gender Unanswered
Veteran Unanswered
Forgiveness Amount 237419.12
Forgiveness Paid Date 2021-02-16
9716827109 2020-04-15 0457 PPP 7791 Dixie Highway Ste. B, FLORENCE, KY, 41042-2602
Loan Status Date 2022-05-10
Loan Status Paid in Full
Loan Maturity in Months 24
SBA Guaranty Percentage 100
Loan Approval Amount (at origination) 5150572.3
Loan Approval Amount (current) 5150572
Undisbursed Amount 0
Franchise Name -
Lender Location ID 121598
Servicing Lender Name Texas Capital Bank
Servicing Lender Address 2000 McKinney Ave, Ste 700, DALLAS, TX, 75201-1985
Rural or Urban Indicator U
Hubzone N
LMI Y
Business Age Description Existing or more than 2 years old
Project Address FLORENCE, BOONE, KY, 41042-2602
Project Congressional District KY-04
Number of Employees 409
NAICS code 522298
Borrower Race Unanswered
Borrower Ethnicity Unknown/NotStated
Business Type Subchapter S Corporation
Originating Lender ID 121598
Originating Lender Name Texas Capital Bank
Originating Lender Address DALLAS, TX
Gender Unanswered
Veteran Unanswered
Forgiveness Amount -
Forgiveness Paid Date -

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Edward G Reynolds

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Robert Whitehouse

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Related by address

7791 DIXIE HIGHWAY, SUITE B, FLORENCE, KY 41042

FITZPATRICK'S FURNITURE & APPLIANCE, INC. HOME FURNITURE, LLC THE EDWARD G. REYNOLDS CHARITABLE FOUNDATION INC. ACME MOTIVATIONAL PUBLISHING, LLC

Sources: Kentucky Secretary of State

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