Complaints
Customer Complaints Summary
- 23 total complaints in the last 3 years.
- 7 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:05/12/2025
Type: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.
CheckRedi recently contacted me regarding a failed payment and claimed they had made numerous attempts to reach me via SMS, email, and phone calls. However, during a phone call with one of their supervisors, I was informed that their SMS messages were being rejected by **** as spam, and their emails were not being delivered either.Despite this, they continued to insist that they had contacted me multiple times. They also claimed to have called me, but I have no record of any missed calls from CheckRedi on my phone. No voicemails were left either.If CheckRedi had clear evidence that their messages werent being delivered, and their phone calls never actually reached me, then stating they had "made multiple attempts to contact me" is misleading at best. I was unaware of the payment issue until they finally spoke to me directly.I am requesting that CheckRedi take responsibility for their failed communication efforts, stop claiming false outreach, and remove any penalties or negative consequences caused by this miscommunication.
Business Response
Date: 05/12/2025
We have recordings of all call attempts.Customer Answer
Date: 05/12/2025
Complaint: 23317424
I am rejecting this response because:
what about the rejections for both emails and SMS? Can you please share said recordings of all attempts prior to May 12 2025?
Sincerely,
*** *****Business Response
Date: 05/14/2025
All information stored is not available to the public for security purposes.Initial Complaint
Date:11/19/2024
Type: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 am contacting BBB because this is the collection agency used by ********. I paid Smaetpay through and app and because I knew my bank account closed, I used a credit card which they are now saying is not an acceptable method of payment for their rewards. The customer service represe tative from creditredi even said it is deceptive and that it shpuld be explained better that you can only change payment methods by calling them. Now they are asking to me to pay the money of how much gas I received from TurkeyHill via Smartpay as well as a 30 dollar fee which I do not agree should be charged with a compamy that is being deceptive to its consumers. Now ******** also will not delete my new banking information from their records even after being asked directly too. I am unsure which company I should write this under so will be using this message for both businesses (SmartPay and CreditRedi) even though they work in accordance with each other.Business Response
Date: 11/19/2024
This fee was agreed to in the terms and conditions. Please remove from the BBB scope as it is outside your scope.Business Response
Date: 11/19/2024
11-19-2024 This fee was agreed to in the terms and conditions. Please remove from the BBB scope as it is outside your scope.Customer Answer
Date: 11/19/2024
Complaint: 22571424
I am rejecting this response because: the option on the app is very misleading causimg people to believe they are adding a different payment method when you are not actually adding it to pay for gas with it. Seems dishonest to your own customers. Also, I feel there is no reason to not take off my new banking information as verbally requested since you wpuld have never had it if I did not give it to you and a customer service *** said you could not do so
Sincerely,
*********** ******Business Response
Date: 11/20/2024
We have nothing to do with the design of the app.Initial Complaint
Date:10/31/2024
Type: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.
For $33 in transactions that were returned due to banking issues the organization is charging an additional $150 in fees to get the account resolved. More disturbing is the constant harassment by this organization. The company has called and texted on a daily basis - even after I called to schedule a payment to resolve the issue. I have provided the most recent text which happened a full day after payment was scheduled to resolve the issue. The harassment is pathetic over a few dollars. This company should be ashamed of themselves for how they conduct business. The harassment is ridiculous.Business Response
Date: 11/04/2024
All communications have been ceased since 10/31/24 since the customer postdated a payment for 11/5/24. As long as this payment clears the bank on the 5th so further communication will take place. We will not be issuing any refunds since the customer truly owes this money. They did the transactions, and they returned by their bank unpaid. All fees are agreed to in the terms and conditions. The balance is $183.12 and is expected to process on or after 11/5/24. Please ensure funds are available for this to clear.Initial Complaint
Date:08/22/2024
Type: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.
This company left me a voicemail asking me to call them back but left no additional information or details. I had never heard of them and the phone number is from a different state so I deleted the message and didn't think anything of it. The next day I received a text message from them (different phone number) saying to respond with "Payment" to settle my account or to call a different number to speak with an agent regarding my child's school (they named the school) checking account. I do not have a checking account with the school and do not owe the school any money. When I reached out on the company's website chat feature, the representative was extremely rude and refused to give me any information. They kept asking me to provide details on my account although I told them I did not have an account with them, I did not know who they were and I would not be providing any of my personal information to a company I had never heard of. I told the representative I had only been contacted by their company via voicemail and text message and I did not know who they were. They told me I was on their website, so that should tell me who they are and I needed to provide my information. Extremely unprofessional and not a company I would ever want to do business with. They really need to reevaluate how they contact individuals and work on their employee training.Business Response
Date: 08/23/2024
Please see attached copy of the returned check in your name for $140.00 in reference to ******************* after school program. All returned checks carry a $30.00 state allowed NSF fee therefore your balance is $170.00Customer Answer
Date: 08/23/2024
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:08/20/2024
Type: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.
Basically, a group of scammers trying to rip you off unlawfully by adding extra fees for not adding a bank account information in a timely manner which leads to pushing a payment back by the bank.Business Response
Date: 08/21/2024
We cannot locate an account under this name or phone number.Initial Complaint
Date:08/05/2024
Type: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.
(8/02/2024) ************ is straight up crooks. They had an issue with my bank because they didnt charge my bank until an entire week later so of course my bank would flag it and bounce it back. I contacted them back about paying whatever they said i owed ($84.73) and they stacked on their own $50 for THEIR ERROR, i contacted them but of course there was no reply when i asked Why should i pay for an error you made? And absolutely no reply, then they charge my bank account with their extra $50 why couldnt you bozos do that in the first place? ************ is a straight up vulture company; stacking unreasonable fees for their mistakes. How pathetic is a company they cant even explain why the charge makes sense. Ill be sure to spread the word and never touch anything that has business with CHECKredi. It may be hard to make sure i never do business with CHECKredi buuuut its one thousand percent worth it so you dont get straight up robbed with no explanation as to why i was paying for their error. ZERO STARS, THE ABSOLUTE WORST.Business Response
Date: 08/05/2024
Please close this as being outside the scope of the BBB. Customer agreed to terms and conditions outlining all fees and the amount of time it takes for an item to clear the bank. Its an electronic check not a direct debit.Initial Complaint
Date:05/13/2024
Type: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 received a NSF fee for a transaction made on 05/03/2024, the transaction was allegedly returned by my bank, which doesn't make sense as I had deposited a check into my bank account the previous day, and the check cleared Friday, a few minutes past midnight or so. So what ever problem you guys had between my bank is not my problem. I would like the fee back since I didn't violate any terms and conditions. This was a banking error between your bank and my bank.Business Response
Date: 05/13/2024
Customer needs to take this dispute up with their bank. There will be no refunds issued on our side due to the terms and conditions that were agreed upon.Initial Complaint
Date:03/20/2024
Type: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 had an account with *************** ******* where ACH payments for gas were apparently managed by this company. There was a discrepancy between the amount of money that was in my bank account at the time of two separate transactions at the gas station. Even they will tell you that those monies were paid immediately the same day, and that no balance is owed for any purchase I made. The only balance they claim I owe is two $30 fees for a return payment they say they received from my bank. I dont understand how they can receive my money for both transactions but then later issue a $60 fee and close my account over it. That costs more than double what the 2 transactions I made cost, combined! I think it is highly unreasonable even if the funds actually were not there. Maybe charging a maximum of the transaction amount (which was $10 one time and $20 another), but they have tripled one and doubled the other, then added them together, in an additional fee. When they got the money still the same day!Business Response
Date: 03/21/2024
Please close this as being outside the scope of the BBB. Customer agreed to the fees when signing the terms and conditions.Initial Complaint
Date:02/06/2024
Type: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.
This company is refusing to fulfill our request that all personnel and bank account information and access be deleted and given up in writing post settlement.Business Response
Date: 02/08/2024
Once an account is paid in full it is no longer stored in our system. To remove banking information from future use the daughter will need to contact customer service ZipLine.Initial Complaint
Date:12/04/2023
Type: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.
Predatory business practices.This company charged me a fee that my bank paid. Then they falsely charged me an insufficient funds fee, I talked to a representative that sent me an imaginary trace number, then overcharged me anyway They conveniently did this after business hours on Saturday. I am going to stop payment ASAP Monday morning.Business Response
Date: 12/04/2023
The trace number provided is directly from your bank. You agreed to all terms and conditions and are responsible for all fees incurred.Customer Answer
Date: 12/05/2023
Complaint: 20951528
I am rejecting this response because:The business charged me for the transaction then gave me an ISF charge for the same transaction.
Sincerely,
*************************Business Response
Date: 12/06/2023
Customer agreed to the *** fee in the terms and conditions. I am asking the BBB to close this case as being outside the scope of the BBB since this is a true collection charge.
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.