Complaints

This profile includes complaints for Wisetack, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Wisetack, Inc. has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Wisetack, Inc.

  460 Brannan St Unit 78384 San Francisco, CA 94107-7616

  
• 

  Wisetack, Inc.

  9450 SW Gemini Dr PMB 31984 Beaverton, OR 97008-7105

  

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:06/10/2025

  Type:Customer Service 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.

  We entered a loan agreement with Wisetack for 3 payments of $3332.24 over a period of 90 days. First payment was scheduled for payment due date of 6/7/2025. However, received an email notice that no payment was scheduled, which was confirmed on website. As a result, unknowingly scheduled a payment to avoid a default on loan. However, Wisetack withdrew two payments on same day and reports they cannot refund/credit account. Refunds require 60 day timeline. I am filing this complaint to warn consumers to not use this loan agency. Their website is not accurate and they will trick you into submitting additional payments when payments are not due. **************** dismissed my calls, which were made the day after the payments posted, because they reported there is nothing they can do. When I requested my call be escalated to a supervisor, I was placed on hold for 20 minutes and then hung up. Terrible customer service,

  

  Business Response

  Date: 06/23/2025

  Thanks for bringing this to our attention. Were sorry to hear about your recent experience and regret any frustration this situation has caused.
  

  Please know that Wisetack is committed to helping in any way we can. We understand how confusing or stressful it can be to see multiple payments withdrawn, especially if it wasnt clear you already had a payment scheduled.
  

  One of our specialists will be reaching out to you within the next week to discuss how we can help.
  

  Thank you again for your feedback. It helps us improve.

  
  

  Customer Answer

  Date: 06/24/2025

   
  Complaint: 23448201
  
  I am rejecting this response because there is no resolution to the issue. I have not yet been contacted by the business to determine if my payment will be refunded. 
  
  Sincerely,
  
  **** **********

  Customer Answer

  Date: 07/06/2025

  ****** *** contacted me to provide the option of refund or apply payment to next invoice, Unfortunately, because of the slow response the only option was to apply the payment to the next invoice. I will never do business with this loan company again as they have unscrupulous business practices. 

• Initial Complaint

  Date:05/16/2025

  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.

  Was billed 4300 for an account that is not under my name through their partner citizens pay . Between the customer service **** not speaking English too the stupid responses their agents provide I dont know how this company operates. They need to get the 4300 out of my name immediately.

  

  Business Response

  Date: 05/27/2025

  We sincerely apologize for the inconvenience and frustration caused by this issue. We understand how concerning this must have been.

  After a thorough review, we worked directly with both Citizens and the merchant to investigate and resolve the matter. We can confirm that the amount has been fully refunded and will no longer appear under your account.

  We appreciate your feedback and are actively working to improve our internal systems and processes to help ensure that similar issues do not occur in the future.

  Thank you for bringing this to our attention.
  
  

  
  

• Initial Complaint

  Date:05/09/2025

  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.

  Wisetack Loan ID: ************************ April 2025 I had my leather seats redone at the Autoplex Window *************** Accessories. I requested financing through Wisetack for $1911.26. I had to use my debit card to set up my account for the first payment. The next day I received e-mails from Wisetack to set up my account & make sure all of my information was correct. One of the e-mails I received at 0301hrs on 23 April acknowledge that my first payment of $492.26 was taken out from my debt card. This was confirmed by me after I logged into my bank account and saw the charge.The next thing I did when logged in to my account was set up auto pay so I would not miss any of the last 3 payments. This is where all of the problems start. At 1101hrs 23 April I received another e-mail saying they were processing another payment of $492.26 this one being ACH Debt from my checking account that just a few hours before when I set up autopay.I then immediately contact Wisetack by phone (***************) & eventually spoke to 2 different customer service representatives each telling me that I have to wait until the payment clears before the can process a refund for the double payment.On the 28th of April when I logged into my account I noticed a Payment reversal processing tab with $492.26 to be credited back to my debt card. I then waited until 6 may which was the 6th business day & not charge back to my debt card was completed.I then contact customer service at the same number above and the representative told me it might take another 24 to 48 hours to be charged back to my debt care. I also contacted my credit union to ask if they have seen any charge backs to my debt ******** was told they cannot see anything until it is deposited back into my account.When you contact customer service they tell you what you want to hear, but do ********** of today 9 May 2025 there has been no charge back to my debt card.

  

  Business Response

  Date: 05/19/2025

  Thank you for your patience as weve looked into your refund concern.
  

  I wanted to let you know that your refund has just been submitted. You should see the funds reflected back in your bank account by the end of this week.

  Additionally, one of our team leads will be reaching out to you by phone shortly to confirm and answer any remaining questions you may have.

  We appreciate your understanding and apologize for the frustration this experience has caused.

  Best regards,
  Conor
  Wisetack Customer Support

  Customer Answer

  Date: 05/19/2025

  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:05/06/2025

  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.

  On April 24, Wisetack was recommended to me by my Rentokill *** to finance a big job. I filled out the application, unfroze my credit and was approved quickly. They came back when the job was finished to confirm and then released the funds. The following week I was contacted by accounts payable at ********* for an outstanding bill. They had no record of Wisetack financing. In the meantime, I started getting attempts to check my credit from *******, Wisetack's lender. I called Wisetack who took 24 hours to figure out what happened. They said no one ever onboarded the application and needed me to unfreeze my credit for at least 72 hours for them to do their process. I won't do that. I asked to call ******* together, do it on the phone, they refused. So I paid ********* directly and emailed Wisetack to cancel the application. They have refused and I've gone back and forth with their obnoxious support team who refuses to do anything until they hear from Rentokill that it's cancelled. Rentokill accounts payable has no record of Wisetack even being attached to this job, so who would cancel it? My *** called twice and they claim they've never heard from him. In the meantime, ******* has attempted to run my credit ***** times a day for over a week. It's now turned into harassment. Calling ******* doesn't help because the new loan **** doesn't have a record of me, it's all controlled internally at Wisetack. Lifelock contacts me every time my credit is run which is incredibly disruptive, but thankful my credit is locked or Wisetack would have ruined my near perfect credit score.

  

  Business Response

  Date: 05/09/2025

  Thank you for bringing this matter to our attention. We sincerely apologize for the frustration and inconvenience this situation has caused.

  After thoroughly reviewing your case, we acknowledge that there was a breakdown in communicationboth with the merchant and with our lending partnerwhich led to confusion and a less-than-satisfactory experience. 

  As of May 7th, your application has been officially canceled, and the billing representative at ********* was notified of this cancellation. No further action is needed on your end. Additionally, we have taken steps to ensure that no further credit inquiries related to this application will occur.

  We value your feedback. Experiences like yours help us identify areas for improvement so we can make our product and support processes more seamless and reliable moving forward.

• Initial Complaint

  Date:05/02/2025

  Type:Order 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 am writing to formally express my serious concerns regarding how your company engaged with my elderly parents in February 2025.They requested a simple termite inspection required to refinance their home that should have cost under $150. Instead, without even inspecting the house, your representative pressured them into agreeing to a $3,000 termite treatment plan. My mother stated that the representative spent the time talking at their kitchen table rather than actually inspecting the property.Upon learning this, I contacted their mortgage team, who agreed my father had been misled. Together, we canceled the unauthorized services and hired a reputable company that performed a legitimate inspection for $150, confirming no termite issues.Despite the cancellation, Wisetack returned to their home and attempted to spray the house without authorization. Thankfully, my father sent them away. Now he is receiving collection calls demanding nearly $400 for services neither needed nor approved. After explaining the situation to the collection agency, they agreed to open an investigation.Taking advantage of the elderly especially during a critical financial process like refinancing is disgraceful. Wisetacks actions reflect unethical business practices and border on fraud.I demand all collection efforts cease immediately and that any charges or claims against my parents be dismissed.

  

  Business Response

  Date: 05/09/2025

  Thank you again for bringing this matter to our attention. We take concerns like this very seriously and are committed to making sure it gets resolved. 

  To clarify, Wisetack is not a pest control company and does not provide termite inspections, treatments, or in-home services. We are a financing platform that enables independent home service providers to offer their customers flexible payment options. These businesses operate independently and are responsible for the services they provide, including all interactions with their customers.

  We have spoken directly with both the borrower and their daughter and appreciate their willingness to work with us toward a resolution. The borrower confirmed that no services or installations were performed and that they only requested a basic termite inspection, not a treatment plan. Based on this, we have confirmed with the merchant to secure a full refund and cancellation of the financing.

  Weve also confirmed with our lending partner, Citizens Pay, that the refund is being finalized, and they will fully reverse any credit impact associated with this transactionincluding removing any credit inquiries and eliminating any trade line reporting.

  We remain committed to seeing this through to a fair resolution and are available both by phone and email should any other concerns arise. 
  

  
  

• Initial Complaint

  Date:04/16/2025

  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.

  Has opened multiple lines of credit in my name after the initial request based on a new invoice to use the same line of credit for a higher finance amount. They continue to tell me I have to open a new line of credit even though I already have one open so continue to hit my credit report over and over again

  

  Business Response

  Date: 04/24/2025

  Dear *******,

  Thank you for sharing your concerns. We understand your frustration and want to clear up the confusion around the financing process.

  For existing Citizens Pay customers, each additional purchase where financing is requested via the Wisetack platform, Wisetack will check that you have sufficient available credit on your existing Citizens Pay Line of Credit to support that purchase. While this process mirrors the new application process, this check does not require a hard inquiry on your credit report, nor will a new line of credit be opened with Citizens Pay.

  We spoke with you directly on April 16, 2025, to walk through this and answer your questions, and we hope that helped clarify things. If you have any further questions, please dont hesitate to reach out to us at ************************************************************ or **************.

• Initial Complaint

  Date:03/25/2025

  Type:Order 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 am not accountable for the debt associated with WISETACK. There is no contract between me and WISETACK, and they have not provided the original agreement as requested.

  

  Business Response

  Date: 03/27/2025

  Hello. We would love to take a closer look at what is happening. Were unable to find an account with the information provided. Please reach out to our support team at ************************************************************ or ************ so we can help!

• Initial Complaint

  Date:03/10/2025

  Type:Service or Repair 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.

  Wisetack is partnered with Ergeon, a fence installer here in *********, **. Ergeon bait and switched their product by using a 3rd party installer that was not outlined in the contract. The salesman for Ergeon, sold Wisetack to me as a credit-check free payment option. I had the cash on hand to pay in full but figured why not pay over time if it wasnt going to be reported to any credit bureaus? Unbeknownst to me, Wisetack reported the product amount + the high interest charges. They have not responded to any of my complaints. I had even reached out to the salesman when i first found out about the 3rd party, but never got a call/email back.

  

  Business Response

  Date: 03/17/2025

  Hello. We hope your call to our support team last week resolved the issue. If not, please reach out to our support team at ************************************************************ or ************ so we can help. While checking eligibility does not impact your credit, Wisetack does report to credit bureaus, and repayment may affect your credit score, as detailed on our FAQ page under Will taking out a loan impact my credit score?

• Initial Complaint

  Date:02/06/2025

  Type:Service or Repair 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.

  Early February of 2025 I began to rehab my property (listed in this complaint) we needed extensive plumbing work and it just so happens my Brother in law is a licensed plumber so naturally I would use him to do the work. This is pretty typical in the trades it makes ZERO sense to use the competition to do work you need done when a licensed, insured, company is operated by a family member. So I get the estimate for the work to be done and it is more than I have on hand. No problem... the company offers financing. So I go through the process and get approved. The work gets done and comes to time to pay, everything went well and all was approved by Wisetack to pay the bill. A few hours later my brother in law let's me know that wisetack changed their mind because we are related. What! You are telling me I can't pay them for the work because I am related to the owner of the company! This is ridiculous. My brother in law reached out to them and their response was, "Tough Luck!" I am so heartbroken this happened to my Brother in law's company and me, and now I don't know what to do! They should have made me aware of this stupid policy in the PREQUALIFICATION not AFTER the work is done. I am seriously considering a lawsuit for damages and that they pay for the work done. In the meantime I would be satisfied if they simply fulfill their obligation and not discriminate against people based on their bloodlines.

  

  Business Response

  Date: 02/07/2025

  Thank you for reaching out with this concern and allowing us time to look into it. The merchants that we have on our platform must follow Wisetacks Terms of Service and User Agreement, which state that owners, employees, and their family members are not permitted to apply for financing through Wisetack. If we can answer any other questions for you, please do not hesitate to contact our support line.

  Customer Answer

  Date: 02/07/2025

   
  Complaint: 22910124
  
  I am rejecting this response because:

  1. You hit my credit and impacted my score.

  2. You didn't inform ME during the initial approval this would be an issue. 

  3. Your policy is ridiculous since it excludes B2B situations which THIS is. 

  4. You are literally discriminating against people based on their bloodlines and in this case who they marry.

  5. I am STILL responsible for the bill for work performed. 

  Your response is in no way solving the problem at hand. 
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:11/18/2024

  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 fell into ***** in may/June 2024 time period, i was dead on life support, by ***** of god came bck to life, and was in recovery when i was able to speak i started to call my creditors inform them i was in hospital and i needed time to regain strength before i could send payments. They agreed. WISETACK employee promised that i would not need to worry about this and to take care of my health that he would remove all the negative remarks and allow me 4 months to make payment bringing my next payment to November 2024. this never happened my credit report is ruined and i am demanding this be resolved and ALL NEGATIVES removed from my credit reports on ALL THREE BUREAUS immediately, they are rude they do not speak English and then they hang up on you if you show any emotion this company needs to be banned from doing business in ******* i think ***** should remove them from our American money the trade commission should get involved immediately but for now FIX MY CREDIT REPORT or my next call will be to new stations and attorneys and of coarse law enforcement also i want all late fees removed and any other fees accrued as i will not tolerate sham scams from this business i had a tragedy happen to ********* companies response is to lie, cheat and steal? ruin my credit when i need to survive this disease and you think making our life harder is the best response? what kind of idiodicy are you practiciing as a company. every one is complaining i demand results now

  

  Business Response

  Date: 11/19/2024

  Thanks for your inquiry, if you would like to dispute the accuracy of credit reporting you can do so by contacting the credit bureaus and logging a dispute.

  Customer Answer

  Date: 11/19/2024

   
  Complaint: 22574984
  
  I am rejecting this response because:
  THIS IS A COMPLETE ERROR ON YOUR COMPANIES PART I HAD NO PAYMENTS DUE YOUR SUPERVISOR ******* OR ******* CHECKED THE RECORDING I DO NOT NEED TO DISPUTE A DARN THING YOU NEED TO DO YOUR JOB OR I WILL CALL NEWS STATIONS YOU HAVE HUNDREDS OF COMPLAINTS I WILL CONTACT YOUR CEO AS WELL AND UNDERSTAND THAT I AM A HANDICAP WOMAON BY YOU REPORTING A LIE YOU HAVE MADE HARDSHIPS IN MY LIFE THRU MY FINANCES DO NOT TEL LME TO DO YOUR JOB YOU FIX IT THE ************* TOLD ME TO CONTACT YOU DIRECTLY I AM HERE DOING WHAT YOU DID IS ILLEGAL I DEMAND YOU REMOVE IT AND FIX YOUR ERROR NOW.. DO YOUR JOB SIR 
  Sincerely,
  
  ******* ****

  

  Business Response

  Date: 11/20/2024

  Thanks for allowing us time to look into your inquiry. We understand your concern and frustration regarding the negative remarks on your credit report, please allow up to 60 days for credit bureaus to reflect our changes. We have removed any negative credit reporting for the period of the granted deferment. However, any late payments outside this deferment are still considered late. If you think this is incorrect, please reach out to your credit bureau directly.