Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:25/11/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Applied for a loan with debt less credit in April 2022. I was under the impression I was applying for a loan. Since May 2022 ***** has been taken out weekly with the understanding at the end of 26 months I would get a loan. As well as having every ***** reported to my credit bureau. I never received the loan and nothing was reported to credit bureaus. I am out over 2000 and want a refund

  Business Response

  Date: 29/11/2024

  Upon investigating the complaint, we can confirm that the customer has a signed agreement with us, and has already cancelled the services. The customer was emailed the agreement directly after signing. The copy of agreement has already been sent to the clients email address.  Also, we encourage the client to contact us directly to have a refund put through if they did not get use of our services. Thank you.
  
  

  Customer Answer

  Date: 29/11/2024

   
  Complaint: 22598262
  
  I am rejecting this response because:

   

  if my contract was cancelled why is ***** coming out every week still ? Ive tried to call business many times and told different things , none offering a refund 
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 03/12/2024

  We have already canceled your subscription and rest assured no more charges in the future.

• Initial Complaint

  Date:26/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have attempted to contact this "service" provider multiple times regarding why they are debiting my checking account ***** weekly as far back as I can see - Dec ** 2021 to current. Asking for cancellations, justifications, account statements, anything to prove they are actually a service provider. I finally had to arrange a stop payment with my bank for this company as all emails bounce back and no contact can be made. At a minimum of ** weeks (I can only go back so far in my banking history) at ***** plus the ***** stop payment fee from my bank this company has stolen a minimum of $******** and they have a "sister" company I will file seperately about but they must be attached because there web search identifies them as an identical service they with draw weekly on the exact same ************* and each go back as far as I can see. This other one charges $***** per week and is Called Credit Resources.

  Business Response

  Date: 27/05/2023

  We have attached a screenshot from our Debtless Credit website (****************) that there's  weekly charge of $*****. We have also check our email from Debtless Credit there's no single interaction from our Debtless Credit Customer Phone Support Representatives and even through our email with Debtless Credit about cancelation. Upon investigating the complaint, we can confirm that the customer has a signed agreement with **, and has already cancelled the services. We have already deleted the customer to our system here with ********************** and rest assured no more charges in the future.

  Customer Answer

  Date: 29/05/2023

   
  Complaint: ********
  
  I am rejecting this response because:

  Nothing was ever done with my funds they were simply pocketed no debtors were paid no reports to the credit bureau no prepaid **** card.

  
  Sincerely,
  
  ******************************************

• Initial Complaint

  Date:21/11/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Direct debit debit less credit has taken ****** from my bank in increments of ***** once a week for the last 3 months I have requested them to stop and they have processed to still take money which screws up scheduled bill payment I have that come out so in turn I get NSF fee on top and my payment don't go through so I am behind in my bills and I want this to stop I never even signed up for this stupid thing

  Business Response

  Date: 22/11/2022

  Hello!

  Upon investigating the complaint, we can confirm that the customer has a signed agreement with **, and has already cancelled the services. The customer was emailed the agreement directly after signing. The copy of agreement has already been sent to the clients email address. Thank you.
  
  
  Thank you,
  Debtless Credit
  ********************************** 

• Initial Complaint

  Date:16/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up with Debtless Credit in Novembre 2021 under the premise that 1. my weekly payments of $19.99 would last 26 weeks. Upon completion of the program, I would receive all of my payments back. If I maintained consistent payments, I would also receive a $500.00 on the above, I agreed and provided my information for the automatic debit of $19.99 from my account on a weekly basis. I spoke to a credit advisor but did not need any credit repair, and now the payments went well ********* weeks (in fact, I incurred several NSF fees over the total of 16 months that this continued) and I had received no communication from anyone in the meantime about any part of the program. I wanted the withdrawals to end as well as my membership in the program. **********************************************************

  Business Response

  Date: 26/11/2022

  Hello!

  Upon investigating the complaint, we can confirm that the customer has a signed agreement with **, and has already cancelled the services. The customer was emailed the agreement directly after signing. The copy of agreement has already been sent to the clients email address.

  Thank you.

• Initial Complaint

  Date:20/10/2022

  Type:Billing Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  *** been getting withdraws from my account since May 6th and did not consent to having these withdrawals taken from my account. Called multiple times to no avail. Finally got ahold of someone and was told they couldnt reimburse me for over 500 dollars. They said theyd email my agreement but havent done that yet. All i want Is my money back.

  Business Response

  Date: 21/10/2022

  Upon investigating the complaint, we can confirm that the customer has a signed agreement with us, and has already cancelled the services.The customer was emailed the agreement directly after signing. The copy of agreement has already been sent to the clients email address. Thank you.

  Customer Answer

  Date: 21/10/2022

  
  Complaint: ********
  
  I am rejecting this response because:when applying for this i was Under the impression i was Applying for a loan. I signed The agreement - thinking i was Signing a loan agreement and not once was i explicitly told about the withdrawals from my account. Its there if you read the fine print near the end. I simply Want the money back that i was Scammed out of, im not asking for the nsf fees i was charged when this company took money out without my authorization. I was Also not sent a copy of my agreement quickly. I had To reach out to this company four times before being send a copy and it doesnt have an actual signature so whos to say i signed It? They could have easily typed in my name. 

  
  Sincerely,
  
  ******** ***

  Business Response

  Date: 24/10/2022

  The customer was emailed the agreement directly after signing.

  Customer Answer

  Date: 26/10/2022

  
  Complaint: ********
  
  I am rejecting this response because:i was Not sent and email directly after signing - i can Go back through my deleted and just read messages. I want A part or full refund of my money - this business scammed me out of over 500 dollars
  
  Sincerely,
  
  ******** ***

• Initial Complaint

  Date:11/10/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a loan, provided them my information. When they came back with an offer, I declined the application and cancelled it. A week later they started ******** funds out of my bank account without consent, permission or my prior knowledge. $19.99 so far, *** ************ *** ******

  Business Response

  Date: 12/10/2022

  Upon investigating the complaint, we can confirm that the customer has a signed agreement with us, and has not yet cancelled the services. The customer was emailed the agreement directly after signing. To cancel any services, please call  the customer service team *************). 

• Initial Complaint

  Date:06/10/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was looking for a loan. I reached to Debtless Credit for a loan. I sent my information, and they told me they can help if I agree on a 19.99$ withdraw every Friday. I did agree. Then someone called me about their credit repair program. I told her I am not interested in credit repair. I just need the loan. Then they started withdrawing from my account. I sent them several emails that I am not interested in their service, I did not get and do not want to get any of their services, and that my meeting with their rep was not productive. I asked them 2 times to cancel my membership. But they charged my account. They sent me an email script to call a number. I called many times but there was a message there agents were busy, and to leave a message. They are not responsive to my cancelation request. There should be some kind of class action lawsuit.

  Business Response

  Date: 08/10/2022

  Upon checking it shows the client already called and requested to cancel the account which we asked. Moving forward there will be no more weekly report payments.

   

   

  Customer Answer

  Date: 12/10/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

  Sincerely,
  
  *************************

• Initial Complaint

  Date:13/09/2022

  Type:Billing Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Since June 17th 2022; this company has taken ***** every Friday from my account with no way to get in contact. I want my money back.

  Business Response

  Date: 26/09/2022

  Upon investigating the complaint, we can confirm that the customer has a signed agreement with us, and has not yet cancelled the services. The customer was emailed the agreement directly after signing. To cancel any services, please call  the customer service team *************

  Customer Answer

  Date: 28/09/2022

  
  Complaint: ********
  
  I am rejecting this response because:
  

  I never signed any contract; and upon further investigating; even if I would have; what service is this company even offering??  It's nothing but a ****. I would request every dollar repaid back in full.  Thank you
  Sincerely,
  
  ***********************

  Business Response

  Date: 28/09/2022

  To process your cancellation request please feel free to contact our customer support ************* We need to speak to the account holder before doing any changes to the account.

  Customer Answer

  Date: 28/09/2022

  
  Complaint: ********
  
  I am rejecting this response because:

  I have called this "company" on a number of occasions.. the fact that I am currently in contact with them through this avenue at thr moment; and they are saying that I need too call myself is beyond ridiculous. If it would be that easy; I wouldn't have been going this route.. 

  I was in contact with the branch level of my bank earlier today and they said they will be escalating things on their end, and that my money will be getting refunded one way or another... be nice to see these guys have some integrity and refund it without my ba k even having to step in... but I guess thats asking too much from a bunch of ****mers.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:09/09/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up with Debtless Credit in April 2021 under the premise that 1. my weekly payments of $19.99 would last 26 weeks,2. I could submit proof of my rent payments to help increase my credit score,3. Upon completion of the program, I would receive all of my payments back and 4. If I maintained consistent payments, with none missed, I would also receive a $520.00 bonus.Based on the above, I agreed and provided my information for the automatic debit of $19.99 from my account on a weekly basis. This was followed up with a confirmation e-mail shortly after that from the same representative that confirmed the exact same things he said over the phone (above).Because I had payments returned NSF, I knew I did not meet the requirements to receive the bonus but I began to notice that payments went well beyond 26 weeks (in fact, I incurred several NSF fees over the total of 16 months that this continued) and I had received no communication from anyone in the meantime about any part of the program. I confirmed through my bank statements that they had successfully withdrawn 31 payments of $19.99 so I wanted the withdrawals to end as well as my membership in the program. I sent an email with no response. I phoned and was instructed that I MUST give creditwillow.com a five star rating on ************** in order to qualify for my funds. I did as instructed and after a few more emails, each time followed up with a phone call I received $200 via e-transfer from ************** I was told that the program had changed since I signed on and that the bonus was now only $200.00. After providing the email that confirmed what I expected I was contacted by *****, the supervisor, who stated that in consultation with the other supervisors they agreed to transfer another $320.00 to me ($520 bonus) but not honour the full $619.69 that I paid into the program.Please see my updated review here: **********************************************************

  Business Response

  Date: 20/09/2022

  Upon investigating the complaint, it shows the clients account is already canceled and closed and come to an agreement to reach a settlement of $520 cashback, which the client agreed.

• Initial Complaint

  Date:30/08/2022

  Type:Billing Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On June 24th I noticed a transaction out of my bank account for the amount of $19.99 I asked my bank what company this was from they informed me that it was debtless credit. I then contacted the company and asked why they took money from ,e and what there company was. The lady on the phone yelled at me and told me if I don't like it then cancel my subscription service witch I told her to do please. Since then every Friday $19.99 comes out of my account I have spoke with the company 6 times on the phone and many emails asking to stop taking money and return what was taken I was told on June 22 the money would be returned as of today it has not and they have continued to take money I need help getting my 10 payments back please it totals $199.99 * ** * ****** *** *** *** ******* ** **** ** * ***** *** * **** ***** **** ** ** ***** ** **** ** ******** ****** **** **

  Business Response

  Date: 21/09/2022

  Upon investigating the complaint, we can confirm that the customer has a signed agreement with us, and has already cancelled the services. The customer was emailed the agreement directly after signing.   

  Customer Answer

  Date: 21/09/2022

  
  Complaint: ********
  
  I am rejecting this response because: i cancelled with this company on June 24th and they continued to take $19.99 every Friday out of my account up till september
  16th they were still taking my money and I never singed a contract with this company I don't even have any debt that I need help with they ***** $259.87 from my bank without consent they made it so ** **** ******* *** * *** ******* ***** * ****** *** ** ******** ***** * ***** **** ** **** ** ***** ******* *** ** *** ******* **** ******* ****** *** **** ***** I have been trying since June  to get this company to stop taking her money and the lady on the phone would yell at me in a different language and hang up on me I have tried 11 times to call with no results and email15 times with the result that the company would not exept my emails 

  Please help me get my money back 
  Sincerely,
  
  ***************************

  Business Response

  Date: 23/09/2022

  Upon investigating the complaint, we can confirm that the customer has a signed agreement with us, and has already cancelled the services. The customer was emailed the agreement directly after signing. For any questions, please call  the customer service team *************). 
  
  

  Customer Answer

  Date: 23/09/2022

  
  Complaint: ********
  
  I am rejecting this response because:I never signed a contract with this company when I noticed the first payment of $19.99 come out of my account on June 24th  I called the company and asked what the payment was for and I said I don't want to subscribe to anything and I asked then for it to be cancelled the lady started yelling at me and hung up I have called every week since they trying to get them to stop ******** ** ***** **** **** ***** ******* ** * ****** *** ** ******* ***** ****** ** * ***** * **** ***** **** ** ** ***** ****** **** ** *** ** ***** **** 
  
  Sincerely,
  
  ***************************