Complaints

This profile includes complaints for NC Financial Solutions, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  NC Financial Solutions, LLC

  175 W Jackson Blvd STE 1000 Chicago, IL 60604-2863

• 

  NC Financial Solutions, LLC

  200 W Jackson Blvd Ste 1400 Chicago, IL 60606-6929

• 

  NC Financial Solutions, LLC

  175 W. Jackson Blvd Suite 600 Chicago, IL 60604

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:07/03/2025

  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.

  I took out a loan back in 2022 Net Credit did not contact me regarding it for approximately a year for any payment. I actually forgot about the loan. By the time they started contacting me in November 2024 they started daily emails and phone calls. I have never spoken with anyone at Net Credit. I tried and tried to get this account on my debt consolidation program with American Financial Services. *** said Net Credit does not work with them. I asked Net Credit for a debt consolidation company that they do work with, never got a name. They asked for my bank account information before they would speak to me about debt consolidation, this account information has been provided to them at least three times. I received nothing but run around from them to get this account under a debt consolidation to make payments something I can handle monthly. They do not cooperate they just keep adding more money to my account late fees interest etc. This is not fair, they have not followed rules that companies are supposed to do when a customer is actually trying to get assistance from them to take care of a debt. I would like for them to refund these late fees, and interest they have charged erroneously. I have pages and pages of emails back and forth to them showing what I have tried to get them to do and these pages show that they just gave me the run around. Several different names of people that I have spoken with at Net Credit.

  Business Response

  Date: 07/05/2025

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  

  As an initial matter, we have addressed Ms. ******* in a previous Consumer Financial ***************** (****)complaint.
  

  As mentioned, on August 15, 2022, ********** was funded a $1,700.00 installment loan by ********************************* (*************) and serviced by NetCredit. When Ms. ******* applied for the installment loan, she was presented with and required to agree to the Terms and Conditions (Agreement) if she wanted to proceed with the application process; she acknowledged her acceptance by providing her electronic signature on the application dated August 15, 2022.  ********** can access a copy of her Agreement at any time by signing into her online account at ******************************.
  

  Further, the Agreement outlines in detail all the terms of the installment loan, including the lender (*************), loan duration,annual percentage rate, finance charge, amount financed, fees, total of payments and payment schedule, among other terms and disclosures.
  
  We would also note that the top of the Agreement that was presented to Ms. ******* and she agreed to before submitting her application,it states, HIGH COST CREDIT DISCLOSURE. This loan is an expensive form of credit. Other credit options may be less expensive.
  
  As set forth in Ms. ******** loan agreement, interest is charged daily. For detailed information about how interest is calculated, we recommend Ms. ******* refer to her loan agreement labeled PROMISE TO PAY AND LATE CHARGE, which is always available through her online account.
  
  As mentioned, on January 11, 2023, we received notification that Ms. ******* had retained a debt management company and requested to cease communication with NetCredit.  Therefore, we have honored this request. We were attempting to work with her debt management company to schedule a repayment plan, however, her debt management company advised that she did not include her account with NetCredit in her repayment plan.
  

  Therefore, on November 13, 2024, we removed the Credit Counseling case from Ms. ******** account and as a result, regular servicing resumed on her account.  As such, on March 5, 2025, we sent a discounted payoff offer to Ms. ******* via email. The offer stated to contact us before the expiration date of March 10, 2025. However, ********** did not contact us by said date.
  

  As mentioned, based on our review, we received notification that Ms. ******* had retained a debt management company and requested to cease communication with NetCredit.  Therefore, we have honored this request.  Again, we were attempting to work with her debt management company, but Ms. ******* advised that she would like to work with us directly. Therefore, again we removed the Credit Counseling case from Ms. ******** account and as a result, regular servicing resumed on her account.  
  

  Between March 12, 2025 and April *******, Ms. ******* corresponded with NetCredits customer support team via email regarding her concerns mentioned in her complaint. Contrary to her assertion,our records indicate that Ms. ******* advised us that American Financial Services does not work with NetCredit. Please note, NetCredit is willing to work with American Financial Services. Contrary to Ms. ******** assertion, our records indicate that Ms. ******* has not inquired about what debt management companies NetCredit works with. As mentioned, NetCredit is willing to work American Financial Services and many others.
  

  Additionally, during these interactions, she was advised that we can schedule a payment arrangement for the past due balance and that a valid payment method was required before we can schedule an available payment arrangement. 
  

  At this time, Ms. ******** account balance remains past due. Again, we are willing to work with a debt management company.Additionally, we are also willing to work with Ms. ******* directly to schedule available repayment options that requires a valid payment method on file. We ask that she please contact our customer service department at ************,Monday Friday, 8:00AM 8:00PM CT or Saturday Sunday, 9:00AM 5:30PM CT for assistance.

• Initial Complaint

  Date:07/02/2025

  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.

  Pursuant to 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.

  Business Response

  Date: 07/10/2025

  We have received the complaint sent to the Better Business Bureau (BBB) by ******* ******. As we understand it,Tashida asserts that they are the victim of identity theft.
  

  On August 9, 2023, someone identifying themselves as ******* ****** applied for a NetCredit loan product, issued by ********************************* ************ and serviced by NetCredit ******************. This person provided Tashidas personal information such as date of birth and social security number. As part of the application process,consumers must authorize NetCredit and/or ******** to obtain a credit report from consumer reporting agencies. 
  

  Subsequently, ******* ****** entered into a Line of Credit Agreement with ******** whereby ******** provided Tashida a $1,550.00 Line of Credit (***), to be serviced by NetCredit *****************. When Tashida applied for the **** terms were presented and were required to be reviewed prior to accepting the *** offered by ********. Tashida voluntarily accepted the *** through an electronic signature. The Agreement also detailed a minimum payment is due every billing period that carries a balance. 
  

  These terms included a provision regarding credit reporting, which authorized ******** and NetCredit, as servicer of ********, to report information about the Loan to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report.  
  

  Since establishing the NetCredit line of credit, ******* has requested three (3) cash advances. Although Tashida has made payments toward the account balance, Tashida failed to make all of the required payments; accordingly, the account balance became past due. As such, our collection efforts have been initiated. As indicated in the *** Agreement, we reported this account activity to the consumer reporting agencies.
  

  On May 15, 2024, NetCredit sent Tashida a notice informing Tashida of the default and that Tashida had the right to cure the past due balance before June 17, 2024, or the balance would become immediately due (accelerated). Tashida failed to cure the default,and the Loan was accelerated on June 17, 2024, making the entire outstanding balance, plus all accrued and unpaid interest owed under the agreement,immediately due and payable.
  

  Due to continued non-payment of the past due amounts, on January 23, 2025, the *** was sold to a third-party debt buyer, ******************* (Plaza). As a result, NetCredit is no longer servicing the *** since it is not currently owned by ********.
  

  Our records indicate that ******* did not contact our customer support team directly to assert that they did not apply for the loan.
  

  However, upon receipt of Tashidas BBB complaint, we received a copy of ********************************* (***)identity theft report to advise that they did not apply for the loan and had been the victim of a fraudulent application. In accordance with our policy,******* was asked to file a police report and provide a full copy to NetCredit to launch an internal investigation.
  

  At this time, we have no record of Tashida providing any of the required documentation as previously requested.Should Tashida wish to pursue an identity theft investigation, we ask that Tashida file a police report and provide a full copy to NetCredit via email or fax to:
  

  NetCredit ****************
  Fax: ************
  Email: *********************************************************************
  
  Please note that NetCredit cannot modify accurate credit reporting under the Fair Credit Reporting Act (FCRA). If Tashida is able to adequately substantiate the claim of fraud, NetCredit will update the credit reporting to ensure accuracy and compliance with all legal requirements. 
  

  If Tashida has any additional questions regarding this matter, we ask that they please contact our customer service department at ************, Monday Friday, 8:00 a.m. 8:00 p.m. CT or Saturday Sunday, 9:00 a.m. 5:30 p.m. CT.
  
  

  
  

• Initial Complaint

  Date:06/26/2025

  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 express my extreme dissatisfaction with the terms of my personal loan from Netcredit LLC (ENOVA), which I obtained in November 2022. At that time, I secured a $3,500 line of credit to address pressing health issues. While I appreciated the quick approval, I now find myself in a precarious financial situation due to the exorbitant interest rates associated with this loan. I was not fully aware of the total cost of borrowing, and despite diligently making payments, I have already remitted over $6,000 to Netcredit since opening the account. This significant sum far exceeds the original loan amount, and I am now struggling to continue making the required recurring payments.

  Business Response

  Date: 07/07/2025

  We have received the complaint sent to the Better Business Bureau (BBB) by **** *******. As we understand it, ********** has an inquiry about his line of credit account.
  

  On December 27, 2021, Mr. ******* opened a $3,450.00 line of credit, offered by ************* & ************* (*************) and serviced by NetCredit. When he applied for the line of credit, he was presented with and required to agree to the Republic Credit Agreement and Terms and Conditions (Agreement) if he wanted to proceed with the application process; he acknowledged his acceptance by providing his electronic signature on the application dated December 27, 2021.  Mr. ******* can access a copy of his Agreement at any time by signing into his online account at ******************************.
  

  We would note that the top of the Agreement states,
  

  HIGH COST CREDIT DISCLOSURE. THIS IS AN EXPENSIVE FORM OF CREDIT. IT SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS, NOT AS A LONG-TERM FINANCIAL SOLUTION. OTHER CREDIT OPTIONS MAY BE LESS EXPENSIVE.
  

  As described in the Agreement,
  

  Your Account does not have an interest rate like other traditional credit products. Instead,we assess a Cash Advance Fee for each Cash Advance and a Statement Balance Fee at the end of each Billing Cycle in which you have a Cash Advance Balance greater than $25 on your Statement, as described in the Account Opening Disclosures.
  

  This Agreement also outlines, in detail, all the terms of the account. Specifically, section IV of the Agreement defines and describes the two types of fees associated with the line of credit.A Cash Advance Fee is the Finance Charge charged for each Cash Advance at the time a Cash Advance is requested, as disclosed in the Account Opening Disclosure in Section I. The Cash Advance Fee is 10% of the amount of the Cash Advance.  A Statement Balance Fee is assessed for each Billing Cycle where the Cash Advance Balance, as displayed on the statement, is greater than $25.00. Section V. of the Agreement also describes how minimum required payments are calculated; the minimum amount due on each due date will be 2.5% of the ending Cash Advance balance plus the Statement Balance Fee for that cycle.
  

  The Agreement also includes details regarding the allocation of payments. As described in the How We Apply Your Payments section of the Agreement:
  

  We apply payments to any outstanding Minimum Payment for which a Statement has been issued, in order of their payment due dates, beginning with the earliest due date.  Payments are applied to each Minimum Payment in the following order: Statement Balance Fees, if any, and then to the remaining portion of the Minimum Payment. Once all Minimum Payments have been satisfied, payments are applied to any Account Balance that remains unpaid.
  

  A minimum payment is due every billing period that carries a balance.  Whenever a billing period closes, Mr. ******* receives an email notification that his statement has been generated. This statement will detail his scheduled payment obligations, including the due date and minimum payment amount.
  

  Mr. ******* has the right to make a payment in advance in any amount and at any time without penalty. Additional or larger payments generally may reduce the Statement Balance Fees incurred, which is also set forth in ***********************
  

  Since establishing the line of credit,Mr. ******* has requested over fifty (50) cash advances and his account balance is current.
  

  In reviewing Mr. ******** account statements and payment history, our records confirm that his account has correctly been serviced in alignment with the signed Agreement. Therefore, we will not be able to honor his resolution request.
  

  If Mr. ******* has any additional questions regarding this matter, we ask that he please contact our customer service department at ************, Monday Friday, 8:00AM 8:00PM CT or Saturday Sunday, 9:00AM 5:30PM CT.
  
  
  
  

  
  

  Customer Answer

  Date: 07/08/2025

   
  Complaint: 23523212
  
  I am rejecting this response because:
  
  Sincerely,
  
  **** *******

• Initial Complaint

  Date:06/24/2025

  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.

  I had an emergency situation and needed to borrow about *****, I searched about 20 different places since my credit score is low about 538. When I asked netcredit they said no. This was around the end of May 2025, so I kept looking. As I look at my checking account about every 2 or 3 days, i noticed an electronic deposit of $900 on about June 17 and thought it was from the irs. As looked closer it said dd/netcredit called my credit union where my checking account is, spoke with ****** customer service. I explained that an electronic deposit was put into my account, and will she either freeze the account or whatever. She told me I had to call the people that put that money in. I called netcredit and spoke with a ****** I think. When she explained to me the whole situation, I was sick to my stomach and my wife was very upset. I told the girl from netcredit to cancel the whole thing, she said she couldnt because I only had 2 days to cancel. And the electronic deposit was dated June 2, and it was electronically deposited on June17, I told her this is a complete scam. If it was electronically deposited on June 2 as dated I would of had 2 days where no one ever told me. But you people deposit it on June 17 thats 2 weeks after its dated thats fraud. I said can you explain to me what the h*** is going on? She said you borrowed $900, we added $180 to that which is the 8% interest and fees, we will begin to debit your checking account on June 30, for $130, where 8% which is about $80 for us, and the $50 goes towards your $1080 balance, she said the 8% will drop down every month. But if theres $1000 balance you will have to pay close to $80 plus the rest towards the principal, then she said it should take you about 10 months, thats when I said this is a predatory loan, dont you people follow the law where 36% is the highest you can charge unless your tribal, she said where not. I immediately called the ************************, and then this complaint. Pure evil.

  Business Response

  Date: 07/09/2025

  We have received the complaint sent to the Better Business Bureau (BBB) by ***** ***. As we understand it, Mr. *** is displeased with his NetCredit loan product application experience.
  

  Between May 18, 2025 and May 31, 2025, Mr. *** submitted several applications through a variety of sources, including third-party lead provider/website, Even Financial, and through our website through our website ****************************** for a NetCredit loan product from ********************** ********** which is serviced by NetCredit.
  

  After careful consideration, it was determined that Mr. *** did not meet the underwriting requirements for a loan product. Therefore, notices of adverse actions (NOAA), were sent as required by law for each application, informing him of the principal reason(s) his loan application was not approved.
  

  Specific to the application submitted on May 31, 2025, Mr. *** visited our website, ******************************, and proceeded to check his eligibility for a NetCredit loan product. After providing some general information via the website, Mr. *** received an offer to apply for a NetCredit open-ended line of credit.
  

  Mr. *** opted to move forward with the process and applied for the line of credit. Subsequently, Mr. **** application was approved and he opened a $900.00 line of credit (***), issued by ********************** (*******) and serviced by NetCredit.
  

  Section 27(a) of the ************************* Act, 12 USC 1831d(a), governs the interest and fees that ******* may charge on its loans. It provides that, "notwithstanding any State constitution or statute which is hereby preempted for the purposes of this section," a state bank may "take, receive, reserve, and charge on any loan interest at the rate allowed by the laws of the State where the bank is located ." ******* is located in ****, and Utah law expressly permits any finance charge set forth in the contract between the lender and the consumer. Utah Code 70C-2-101 states "Except where restricted or otherwise covered by provisions of this title, the parties to a consumer credit agreement may contract for payment by the debtor of any finance charge and other charges and fees." The interest and fees charged are appropriate under Federal and applicable State law. Additionally, Mr. **** claim that his line of credit is predatory or may otherwise be in violation of applicable laws or regulations lacks merit due to CCBanks status as a Utah state-chartered bank and Member **** as its primary federal banking regulator.
  
  When he applied for the **** terms were presented and were required to be reviewed prior to accepting the *** offered by *******. Mr. *** voluntarily accepted the *** through an electronic signature. Mr. *** can access a copy of his Agreement at any time by signing into his online account at ******************************.
  
  Additionally, Mr. *** requested one (1) cash advance that was funded on June 2, 2025. A confirmation email was sent.
  
  We would also note that the top of the Agreement that was presented and agreed to by Mr. *** states, HIGH COST CREDIT DISCLOSURE. THIS IS AN EXPENSIVE FORM OF CREDIT. IT SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS, NOT AS A LONG-TERM FINANCIAL SOLUTION. OTHER CREDIT OPTIONS MAY BE LESS EXPENSIVE.
  
  This Agreement outlines, in detail, all the terms of the account.Specifically, Section IV of the Agreement defines and describes the two types of fees associated with the ***.
  
  1.) A Cash Advance Fee is assessed for each Cash Advance at the time a customer requests a Cash Advance on their ********************** Account.
  2.) A Statement Balance Fee is assessed for each Billing Cycle where the Cash Advance Balance, as displayed on the statement, is greater than $25.00.
  

  Section V of the Agreement also describes how minimum required payments are calculated; the minimum amount due on each due date will be 2.5% of the ending Cash Advance balance plus the Statement Balance Fee for that cycle.
  

  As described in the Agreement,
  

  Your Account does not have an interest rate like other traditional credit products.Instead, we assess a Cash Advance Fee for each Cash Advance and a Statement Balance Fee at the end of each Billing Cycle in which you have a Cash Advance Balance greater than $25 on your Statement, as described in the Account Opening Disclosures.
  

  Customers are not charged a traditional periodic interest rate. Instead, customers are charged fees (Statement Balance Fees) for each Billing Cycle in which they carry an Ending Account Balance greater than $25.00, as mentioned above.
  

  This Agreement also outlines, customers have the option to cancel/rescind a Cash Advance request, provided that the customer informs us of their intent to cancel two (2) business days after requesting the Cash Advance without incurring any fees.

  In the Agreement, a minimum payment is due every billing period that carries a balance.  Whenever a billing period closes, Mr. *** receives an email notification that his statement has been generated. This statement will detail his scheduled payment obligations, including the due date and minimum payment amount. Mr. *** has the right to make a payment in advance in any amount and at any time without penalty. Additional or larger payments generally may reduce the Statement Balance Fees incurred, which is also set forth in *************************  

  Based on our review, Mr. *** contacted the NetCredit customer support team in regard to the concerns mentioned in his complaint and he was advised of the aforementioned information. 

  As mentioned above, Mr. *** can make a payment at anytime and in amount without penalty. However, he has missed the rescission period and the terms of the loan are still applicable. As such, Mr. **** request for a refund is declined. 

  If Mr. *** has any additional questions regarding this matter, we ask that he please contact our customer service department at ************, Monday Friday, 8:00AM 8:00PM CT or Saturday Sunday, 9:00AM 5:30PM CT.

  
  

• Initial Complaint

  Date:06/23/2025

  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.

  Opened a line of credit on June 4, 2025. Signed terms for monthly payments was then given biweekly payments and could not adjust. This loan was also given without clear terms of statement fees These fees are predatory and outrageous and are fixed rather than a percentage of the carried loan balance. Paid off the loan within two weeks of opening it and requested the final statement fee to be waived. Was told these fees are not waived, I asked to escalate and was told it would take up to ****************************************** with their decision via email. I am requesting a credit of $125 on my account as the remaining balance less this $125 is paid in full.

  Business Response

  Date: 07/02/2025

  We have received the complaint sent to the Better Business Bureau (BBB) by ***** *****. As we understand it, *** ***** has an inquiry about her line of credit account.
  

  On May 25, 2025, *** ***** opened a $2,800.00 line of credit (***), issued by ********************** ********* and serviced by NetCredit. Section 27(a) of the ************************* Act, 12 *** 1831d(a), governs the interest and fees that ******* may charge on its loans. It provides that, "notwithstanding any State constitution or statute which is hereby preempted for the purposes of this section," a state bank may "take, receive, reserve, and charge on any loan interest at the rate allowed by the laws of the State where the bank is located ." ******* is located in ****, and Utah law expressly permits any finance charge set forth in the contract between the lender and the consumer. Utah Code 70C-2-101 states "Except where restricted or otherwise covered by provisions of this title, the parties to a consumer credit agreement may contract for payment by the debtor of any finance charge and other charges and fees." The interest and fees charged are appropriate under Federal and applicable State law. We comply with all applicable laws and regulations, and deny *** ****** claims that we use a rent-a-bank partnership.
  
  When *** ***** applied for the line of credit, she was presented with and required to agree to the ******* Credit Agreement and Terms and Conditions (Agreement). The Governing Law section of the Agreement states that
  

  Except as otherwise expressly provided in this Agreement, this Agreement (other than the Arbitration Provision), your Account, and all related disputes are governed by applicable federal law and the laws of the State of Utah, without regard to its conflict of law provisions.
  

  Utah law governs the Agreement and any interest rate permitted under the Agreement. *** ***** voluntarily accepted the *** through an electronic signature. *** ***** can access a copy of her Agreement at any time by signing into her online account at ******************************.
  

  During the application process, *** ***** advised that her pay frequency was biweekly, therefore, her repayment due dates were scheduled as biweekly. Contrary to her assertion, *** ***** has the option to update her pay frequency by contacting the NetCredit customer support team.
  
  We would also note that the top of the Agreement that was presented and agreed to by *** ***** states, HIGH COST CREDIT DISCLOSURE. THIS IS AN EXPENSIVE FORM OF CREDIT. IT SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS, NOT AS A LONG-TERM FINANCIAL SOLUTION. OTHER CREDIT OPTIONS MAY BE LESS EXPENSIVE.
  
  This Agreement outlines, in detail, all the terms of the account.Specifically, Section IV of the Agreement defines and describes the two types of fees associated with the ***.
  
  1.) A Cash Advance Fee is assessed for each Cash Advance at the time a customer requests a Cash Advance on their ********************** Account.
  2.) A Statement Balance Fee is assessed for each Billing Cycle where the Cash Advance Balance, as displayed on the statement, is greater than $25.00.
  

  Section V of the Agreement also describes how minimum required payments are calculated; the minimum amount due on each due date will be 2.5% of the ending Cash Advance balance plus the Statement Balance Fee for that cycle.
  As described in the Agreement,
  

  Your Account does not have an interest rate like other traditional credit products.Instead, we assess a Cash Advance Fee for each Cash Advance and a Statement Balance Fee at the end of each Billing Cycle in which you have a Cash Advance Balance greater than $25 on your Statement, as described in the Account Opening Disclosures.
  

  Customers are not charged a traditional periodic interest rate. Instead, customers are charged fees (Statement Balance Fees) for each Billing Cycle in which they carry an Ending Account Balance greater than $25.00, as mentioned above.
  

  Please note, payments are not fixed and may vary based on the statement balance. They can decrease with timely payments or increase if additional cash advances are taken or if there are past due balances.
  

  In the Agreement, a minimum payment is due every billing period that carries a balance.  Whenever a billing period closes, *** ***** receives an email notification that her statement has been generated. This statement will detail her scheduled payment obligations, including the due date and minimum payment amount. *** ***** has the right to make a payment in advance in any amount and at any time without penalty. Additional or larger payments generally may reduce the Statement Balance Fees incurred, which is also set forth in *** ****** Agreement. 
  

  On June 3, 2025, *** ***** requested a $2,250.00 cash advance.
  

  On June 18, 2025, *** ***** made a payment of $187.50.
  

  On June 21, 2025, *** ***** emailed and called the NetCredit customer support team requesting to waive the remaining balance.  As such, she was advised we cannot honor her request. As such her concerns were escalated and she was again advised that we will not be able to honor her request to waive the statement balance fee. A confirmation email was sent to *** *****.
  

  On June 23, 2025, *** ***** made a payment of $2,437.50, however, she has a remaining balance of $125.00.
  

  In reviewing *** ****** account, our records confirm that her account has been managed in alignment with the above-referenced Agreement. As a result of the aforementioned statements, we would like to reiterate, *** ****** desired resolution to waive the remaining $125.00 balance is respectfully denied.
  
  If *** ***** has any additional questions, we ask that she contact the NetCredit customer support team at ************, Monday Friday, 8:00am 8:00PM CT or Saturday Sunday,9:00am 5:30PM CT, for assistance.   

  Customer Answer

  Date: 07/02/2025

   
  Complaint: 23500476
  
  I am rejecting this response because the dates that they indicate payments were made reflect when they were accepted and cleared by their office, not the dates that the payments were made by me.

  As they stated:
  
  "THIS IS AN EXPENSIVE FORM OF CREDIT. IT SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS, NOT AS A LONG-TERM FINANCIAL SOLUTION."
  
  I opened this account and paid it off within 2 weeks. That IS short term. And as such, I expect to be reimbursed for the $125 statement fee. 

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

  Business Response

  Date: 07/09/2025

  Thank you for forwarding the additional correspondence to our attention.
  

  As mentioned, on May 25, 2025, Ms. ***** opened a $2,800.00 line of credit (LOC), issued by ********************** (*******) and serviced by NetCredit. When Ms. ***** applied for the line of credit, she was presented with and required to agree to the ******* Credit Agreement and Terms and Conditions (Agreement).
  
  This Agreement outlines, in detail, all the terms of the account.Specifically, Section IV of the Agreement defines and describes the two types of fees associated with the ****
  
  1.) A Cash Advance Fee is assessed for each Cash Advance at the time a customer requests a Cash Advance on their ********************** Account.
  2.) A Statement Balance Fee is assessed for each Billing Cycle where the Cash Advance Balance, as displayed on the statement, is greater than $25.00.
  

  As mentioned, Section V of the Agreement also describes how minimum required payments are calculated; the minimum amount due on each due date will be 2.5% of the ending Cash Advance balance plus the Statement Balance Fee for that cycle.
  

  As described in the Agreement,
  

  Your Account does not have an interest rate like other traditional credit products.Instead, we assess a Cash Advance Fee for each Cash Advance and a Statement Balance Fee at the end of each Billing Cycle in which you have a Cash Advance Balance greater than $25 on your Statement, as described in the Account Opening Disclosures.
  Customers are not charged a traditional periodic interest rate. Instead, customers are charged fees (Statement Balance Fees) for each Billing Cycle in which they carry an Ending Account Balance greater than $25.00, as mentioned above.
  

  On June ******, Ms. ***** requested a $2,250.00 cash advance and she was already charged the aforementioned fees.
  

  On June 18, 2025, Ms. ***** made the minimum payment of $187.50.
  

  On June 23, 2025, Ms. ***** made a payment of $2,437.50, however, she had a remaining balance of $125.00.
  

  On June 30, 2025, Ms. ***** paid the remaining account balance of $125.00, Therefore, she does not have an outstanding account balance with **********************.
  

  Please note contrary to Ms. ****** assertion, the payment dates are accurately quoted. A confirmation payment email is sent advising that the payment has been initiated and applied on said date. It also advises that the effective date is two (2) business days later and if the payment does not clear the payment posted will be removed.
  

  As mentioned, there is a HIGH COST CREDIT DISCLOSURE. Although ******** made a payment within two (2) weeks it does not negate the terms of the Agreement, including the fees that are assessed when the Ending Account Balance greater than $25.00.
  
  As mentioned, our records confirm that her account has been managed in alignment with the above-referenced Agreement.
  
  Therefore, Ms. ****** desired resolution to refund the payment of $125.00 is respectfully denied.
  
  If Ms. ***** has any additional questions, we ask that she contact the NetCredit customer support team at ************, Monday Friday, 8:00am 8:00PM CT or Saturday Sunday, 9:00am 5:30PM CT, for assistance.  
  

  
  

• Initial Complaint

  Date:06/20/2025

  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.

  Complaint Against NetCredit Request for Loan Closure and Alleged Predatory PracticesI am filing this complaint regarding NetCredits refusal to close my account despite multiple formal requests over the past three years. I am a resident of *******, and I believe NetCredit has engaged in predatory lending practices that violate state lending laws.The annual percentage rate (APR) on my loan appears to exceed the legal limits set by Florida law. My legal counsel has advised me that the rate charged may not comply with the maximum allowable APR and that this loan cannot be classified as a payday loan in order to bypass Floridas consumer lending protections.Given these concerns, I am currently pursuing legal action and am aware that a potential class action suit is being prepared against the company for similar practices. I strongly urge NetCredit to review this matter immediately and cancel the loan, as it is allegedly invalid under Florida law. I hope NetCredit chooses to act in good faith by addressing and rectifying this issue before legal proceedings advance.

  Business Response

  Date: 07/02/2025

  We have received the complaint sent to the Better Business Bureau (BBB) by ****** ******. As we understand it, ********* has an inquiry about her line of credit account.
  

  On May *******, Ms. ****** opened a $3,150.00 line of credit with *************, which was serviced by NetCredit. ************* is a Kentucky-chartered, federally insured bank. Federal law (Section 27 of the ************************* Act and 12 U.S.C. 1831d) permits state-chartered insured depository institutions to charge interest and/or fees at the highest rate allowed by the laws of the state where the institution is located. Since ************* also maintains a presence and banking center in ****, federal law permits it to export interest rates and/or fees that comply with Ohio law.
  

  When ********* applied for the line of credit, she was presented with and required to agree to the Republic Credit Agreement and Terms and Conditions (Agreement).The Governing Law section of the Agreement states that
  

  Except as otherwise expressly provided in this Agreement, this Agreement (other than the Arbitration Provision), your Account, and all related disputes are governed by applicable federal law and the laws of the State of Ohio, without regard to its conflict of law provisions.
  

  Ohio law governs the Agreement and any interest rate permitted under the Agreement.Therefore, Ms. ******* claim that the Agreement is in violation of Florida law is without merit as Florida law does not apply to the Agreement.
  

  When she applied for the line of credit, she was presented with and required to agree to the Republic Credit Agreement and Terms and Conditions (Agreement) if she wanted to proceed with the application process; she acknowledged her acceptance by providing her electronic signature on the application dated May 22, 2021.  Ms. ****** can access a copy of her Agreement at any time by signing into her online account at ******************************.
  

  We would note that the top of the Agreement states,
  

  HIGH COST CREDIT DISCLOSURE. THIS IS AN EXPENSIVE FORM OF CREDIT. IT SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS, NOT AS A LONG-TERM FINANCIAL SOLUTION. OTHER CREDIT OPTIONS MAY BE LESS EXPENSIVE.
  

  As described in the Agreement,
  

  Your Account does not have an interest rate like other traditional credit products. Instead, we assess a Cash Advance Fee for each Cash Advance and a Statement Balance Fee at the end of each Billing Cycle in which you have a Cash Advance Balance greater than $25 on your Statement, as described in the Account Opening Disclosures.
  

  This Agreement also outlines, in detail, all the terms of the account. Specifically,section IV of the Agreement defines and describes the two types of fees associated with the line of credit. A Cash Advance Fee is the Finance Charge charged for each Cash Advance at the time a Cash Advance is requested, as disclosed in the Account Opening Disclosure in Section I. The Cash Advance Fee is 10% of the amount of the Cash Advance.  A Statement Balance Fee is assessed for each Billing Cycle where the Cash Advance Balance,as displayed on the statement, is greater than $25.00. Section V. of the Agreement also describes how minimum required payments are calculated; the minimum amount due on each due date will be 2.5% of the ending Cash Advance balance plus the Statement Balance Fee for that cycle.
  

  The Agreement also includes details regarding the allocation of payments. As described in the How We Apply Your Payments section of the Agreement:
  

  We apply payments to any outstanding Minimum Payment for which a Statement has been issued, in order of their payment due dates, beginning with the earliest due date. Payments are applied to each Minimum Payment in the following order:Statement Balance Fees, if any, and then to the remaining portion of the Minimum Payment. Once all Minimum Payments have been satisfied, payments are applied to any Account Balance that remains unpaid.
  

  A minimum payment is due every billing period that carries a balance.  Whenever a billing period closes, Ms. ****** receives an email notification that her statement has been generated. This statement will detail her scheduled payment obligations, including the due date and minimum payment amount. Ms. ****** has the right to make a payment in advance in any amount and at any time without penalty.
  

  Since establishing the line of credit,Ms. ****** has requested twenty-seven (27) cash advances. Although she has made payments over the course of the line of credit, she has failed to make all of the required Minimum Payments and her account became past due. As such, our collection efforts were initiated. As part of the loan process, account activity is sent to the consumer reporting agencies.
  

  On August 27, 2022 a Notice of Right to Cure Default was sent to Ms. ****** notifying her of her right to cure the default balance by paying $431.86 before September 27, 2022 or her entire outstanding balance would become immediately due (accelerated).
  

  On September 27, 2022, Ms. ******* entire outstanding balance was accelerated due to non-payment of past-due amounts, and the entire outstanding balance for her line of credit, totaling $3,798.60, became due, which included all amounts owed on her line of credit.
  

  In reviewing Ms. ******* account statements and payment history, our records confirm that her account has been serviced in alignment with the signed Agreement, and we are unable to honor her resolution request.
  

  Based on our review, and contrary to her assertion our records indicate that Ms. ****** has not contacted the NetCredit customer support team in regard to the concerns mentioned in her complaint. Nor do our records indicate that Ms. ****** requested to close her account. Please be advised, as ********** account has an outstanding balance, we are unable to close the account at this time, however, we are willing to work with her to discuss available repayment plans for the past due balance. Once the account is paid in full, Ms. ****** will be able to request an account closure by contacting customer service. We ask that Ms. ****** contact the NetCredit customer support team at ************, Monday Friday, 8:00am 8:00PM CT or Saturday Sunday, 9:00am 5:30PM CT, for assistance.  
  
  
  

  
  

• Initial Complaint

  Date:06/18/2025

  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.

  I changed employers and weeks ago called to ask the due date to be changed. I was advised this happened and would be effective my next billing cycle. I get an email today they are deducting a payment in the old cycle that I advised them weeks ago was no longer my paydates. I called and was told there is nothing they can and they are sorry because tomorrow is a holiday they dont have enough time to correct this. They not only sent me the notification without due time to fix it but were told weeks ago about my paydate changes. I pay all my payments on time and was told from their representative, its not a Big Deal. I guess this company doesnt understand when payments get returned to their customers bank accounts, the bank charges fees. I want this payment moved to ***** like I asked for WEEKS AGO!!!!!!!!!

  Business Response

  Date: 06/27/2025

  We have received the complaint sent to the Better Business Bureau (BBB) by ******* **********. As we understand it, Ms. ********** has an inquiry about her line of credit account.
  

  On August 9, 2022, Ms. ********** opened a $4,250.00 line of credit, offered by ********************************* (*************) and serviced by NetCredit. When she applied for the line of credit, she was presented with and required to agree to the Republic Credit Agreement and Terms and Conditions (Agreement) if she wanted to proceed with the application process; she acknowledged her acceptance by providing her electronic signature on the application dated August 9, 2022.  Ms. ********** can access a copy of her Agreement at any time by signing into her online account at ******************************.
  

  A minimum payment is due every billing period that carries a balance.  Whenever a billing period closes, ************* receives an email notification that her statement has been generated. This statement will detail her scheduled payment obligations,including the due date and minimum payment amount.
  

  During the application process, ************* advised that her pay frequency was bi-weekly, therefore her repayment due dates were scheduled accordingly as bi-weekly.
  

  Since establishing the line of credit,Ms. ********** has requested over thirty (30) cash advances. Ms. ********** has made timely payments and at this time, her account balance is current.
  

  Based on our review, on June 2, 2025, ************* called the NetCredit customer support team and updated her billing cycle from biweekly on Fridays to biweekly on Thursdays. As such, we honored this request and advised Ms. ********** to allow up to two Billing Cycles to update on her account. Additionally, a confirmation email was sent. Please note, the same email advised to contact the NetCredit customer support team at least two (2) business days before the due date to request changes to the account.
  

  On that same call, Ms. ********** scheduled to adjust her upcoming payment of $229.65 due on June 6, 2025 to June 12, 2025. A confirmation email was sent to Ms. ********** confirming that an adjustment to the upcoming due date had been processed.  The email also advised that regularly scheduled payment due dates would continue as originally agreed upon and specifically acknowledged that the adjusted payment date may land on the same day as the next scheduled payment.
  

  In Ms. *********** case, she had a regularly scheduled minimum payment in the amount of $224.06 due on June *******. As a result, Ms. ********** had two (2) consecutive payments, the adjusted payment due on June 12, 2025 and the regularly scheduled minimum payment due on June 20, 2025.
  

  Further in our review, on June *******, Ms. ********** called the NetCredit customer support team and requested to adjust the upcoming payment due on June 20, 2025. However, she was advised that we could not honor her request and that she missed the time frame to adjust the payment, as June 19, 2025, is a Federal holiday. Ms. ********** was advised of the aforementioned information, however, her account has been escalated and she will receive correspondence within ten (10) business days.
  

  If Ms. ********** has any additional questions regarding this matter, we ask that she please contact our customer service department at ************, Monday Friday, 8:00AM 8:00PM CT or Saturday Sunday, 9:00AM 5:30PM CT.
  

  
  

  Customer Answer

  Date: 06/30/2025

   
  Complaint: 23484818
  
  I am rejecting this response because: even after reviewing the dates that I called, your responses are not to attempt to rectify the financial damage you caused me. You owe me 2 - 30$ overdraft fees for 2 returned payments caused from your negligence to change the date that I asked for weeks prior to the last payment being deducted. I called weeks prior to have this payment date changed. You owe me $60 credit to my account and/or $60 cash paid for the overdrafts. 
  
  Sincerely,
  
  ******* **********

  Business Response

  Date: 07/02/2025

  Thank you for forwarding the additional correspondence to our attention.
  

  As mentioned in our previous response, on August 9, 2022, Ms. ********** opened a $4,250.00 line of credit, offered by ********************************* (*************) and serviced by NetCredit. When she applied for the line of credit, she was presented with and required to agree to the Republic Credit Agreement and Terms and Conditions (Agreement) if she wanted to proceed with the application process; she acknowledged her acceptance by providing her electronic signature on the application dated August 9, 2022.  Ms. ********** can access a copy of her Agreement at any time by signing into her online account at ******************************.
  

  A minimum payment is due every billing period that carries a balance.  Whenever a billing period closes, ************* receives an email notification that her statement has been generated. This statement will detail her scheduled payment obligations,including the due date and minimum payment amount.
  

  During the application process, ************* advised that her pay frequency was bi-weekly, therefore her repayment due dates were scheduled accordingly as bi-weekly.
  

  Since establishing the line of credit,Ms. ********** has requested over thirty (30) cash advances. Ms. ********** has made timely payments and at this time, her account balance is current.
  

  On June 2, 2025, Ms. ********** called the NetCredit customer support team and updated her billing cycle from biweekly on Fridays to biweekly on Thursdays. As such, we honored this request and advised Ms. ********** to allow up to two Billing Cycles to update on her account. Additionally, a confirmation email was sent. Please note, the same email advised to contact the NetCredit customer support team at least two *********** days before the due date to request changes to the account.
  

  On that same call, Ms. ********** scheduled to adjust her upcoming payment of $229.65 due on June 6, 2025 to June 12, 2025. A confirmation email was sent to Ms. ********** confirming that an adjustment to the upcoming due date had been processed.  The email also advised that regularly scheduled payment due dates would continue as originally agreed upon and specifically acknowledged that the adjusted payment date may land on the same day as the next scheduled payment.
  

  In Ms. *********** case, she had a regularly scheduled minimum payment in the amount of $224.06 due on June *******. As a result, Ms. ********** had two (2) consecutive payments, the adjusted payment due on June 12, 2025 and the regularly scheduled minimum payment due on June 20, 2025.
  

  On June 18, 2025, Ms. ********** called the NetCredit customer support team and requested to adjust the upcoming payment due on June 20, 2025. However, she was advised that we could not honor her request and that she missed the time frame to adjust the payment, as June 19, 2025, is a Federal holiday.
  

  On June 25, 2025, Ms. ********** contacted NetCredit via email with her concerns mentioned in the complaint and was advised of the aforementioned information.
  

  Based on our review, Ms. ********** was notified of both payments and the that it takes up to two Billing Cycles to update on her account. Additionally, she was advised to contact the NetCredit customer support team at least two (2) business days before the due date to request changes to the account. However, Ms. ********** did not contact the customer support team within the required timeframe. Therefore, we are unable to honor her refund request.
  

  If Ms. ********** has any additional questions regarding this matter, we ask that she please contact our customer service department at ************, Monday Friday, 8:00AM 8:00PM CT or Saturday Sunday, 9:00AM 5:30PM CT.
  

  
  

• Initial Complaint

  Date:06/13/2025

  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 liable for this debt for NETCREDIT/*************, I do not have a contract with **************, they did not provide me with original contract as I requested.

  Business Response

  Date: 06/25/2025

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.

  After carefully reviewing this complaint, based on the information provided, NetCredit is unable to locate a profile that matches the complainants information.
  In order to assist Mr. ********* further, we ask him to please contact us to provide an account number and/or personal identifiable information to verify if there has been an application submitted on his behalf.
  
  If an application was completed with ************* information that he did not submit, in accordance with our policy,he must file a police report and provide a full copy to NetCredit to begin via email or fax to:
  
  NetCredit ****************
  Fax: ************
  Email: *********************************************************************
  
  Upon receipt of the police report, our fraud department will begin review of his identity theft claim.
  
  Additionally, if Mr. ********* believes that he is a victim of identity theft, we strongly encourage him to file an identity theft report online with the ************************ (***) at ******************************. The *** can provide suggestions on how to protect his personal identification information going forward and how to alert other agencies, such as credit bureaus, that his identity information may be compromised.
  
  Our customer service department phone number is ************.  Please note our hours of operation are Monday Friday 8 a.m. 8 p.m. CT and Saturday Sunday 9 a.m. 5:30 p.m. CT.

  
  

  Customer Answer

  Date: 06/26/2025

   
  Complaint: 23466367
  
  I am rejecting this response because:
  I have a copy of a letter from NCB indicating that the removal of collection shall be resolved . But this has not been taken please take action on doing this 

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

  Business Response

  Date: 07/02/2025

  Thank you for forwarding the additional correspondence to our attention.

  As mentioned, based on the information provided, NetCredit is still unable to locate a profile that matches the complainants information.
  

  In order to assist Mr. ********* further, we ask him to please contact us to provide a NetCredit account number and/or personal identifiable information to verify if there has been an application submitted on his behalf.
  
  As mentioned, if an application was completed with Mr. ********** information that he did not submit, in accordance with our policy, he must file a police report and provide a full copy to NetCredit to begin via email or fax to:
  
  NetCredit ****************
  Fax: ************
  Email: *********************************************************************
  
  Upon receipt of the police report, our fraud department will begin review of his identity theft claim.
  
  Additionally, if Mr. ********* believes that he is a victim of identity theft, we strongly encourage him to file an identity theft report online with the ************************ (***) at ******************************. The *** can provide suggestions on how to protect his personal identification information going forward and how to alert other agencies, such as credit bureaus, that his identity information may be compromised.
  
  Our customer service department phone number is ************.  Please note our hours of operation are Monday Friday 8 a.m. 8 p.m. CT and Saturday Sunday 9 a.m. 5:30 p.m. CT.
  
  
  

  
  

• Initial Complaint

  Date:06/08/2025

  Type:Service or Repair 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.

  Netcredit is a predatory company. I am currently in process of suing due to their APR rate exceeding the maximum amount for Indiana per state law. Their predatory tactics are frequent according to my lawyer. Class action is coming and netcredit needs to cancel this loan as its not valid due to exceeding state mandated rates. This cannot be considered a payday loan because it exceeds the max amount per state of indiana and therefore must follow apr max per law. Netcredit can justify this by canceling the loan or wait for class action.

  Customer Answer

  Date: 06/09/2025

  
  Better Business Bureau:
  
  The Business has addressed my concerns outside of addressing the BBB in reference to complaint ID ********. My issue is resolved and my complaint can be closed. 
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:06/07/2025

  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.

  NetCredit denied my credit applications on Febuary 7, 2025, and April 16, 2025 due to "unable to verify identity" despite initial approvals. Their customer service provided unhelpful, generic responses, advising reapplication despite the issue being an internal error. On April 16, 2025, a representative failed to generate security questions and instructed me to a document upload webpage, but my application was summarily denied immediately thereafter. My letters to NetCredit on February 9, 2025 and April 28, 2025 went unanswered. Separately, I also requested a $9.68 refund for a certified arbitration opt-out letter (delivered Feb 18, 2025), which was promised to me via their Terms of Service, but got no response. To resolve the issues described, I seek an investigation of the verification issue, application approval or clear explanation for declination, a $9.68 refund, and an apology for poor service. NetCredits inaction has caused frustration and wrongfully blocked credit access. Please assist.

  Business Response

  Date: 06/18/2025

  We have received the complaint sent to the Better Business Bureau (BBB) by ***** *******. As we understand it, Mr. ******** concerns are regarding his recent experience applying for a NetCredit loan product.
  

  On February 6, 2025 and April 20, 2025, Mr. ******* submitted several applications through our website ****************************** for a NetCredit loan, issued by ************* & ************* (*************)and serviced by NetCredit.
  

  Specific to the application submitted on February 6, 2025, ********** visited our website, *******************************and proceeded to check his eligibility for a NetCredit loan product.  After providing some general information via the website, Mr. ******* received an offer to apply for a NetCredit line of Credit with NetCredits bank partner, ************* & ************* (*************), which is serviced by NetCredit. We would also like to clarify that the notice of eligibility to apply for a loan is not a guarantee that he will be approved for the loan.

  Mr. ******* opted to move forward with the process and completed his application for the line of credit. As part of the application process, consumers must authorize NetCredit and/or Republic to obtain credit reports from consumer reporting agencies.  For more information on the use of information provided by credit bureaus in conjunction with a loan application,please visit ******************************************.
  

  Based on the information ********** provided on his application, we requested additional information in order to make a final decision on his application specifically identity verification and income verification.
  

  As such, Mr. ******* was advised to contact the NetCredit customer support team directly for identity verification. Additionally, a copy of ***************** statement was needed for verification purposes. 
  

  On February 6, 2025, Mr. ******* contacted the NetCredit customer support team as requested.
  

  After a careful review, it was determined that Mr. ******* did not meet the underwriting requirements for a NetCredit loan. On the same day, Mr. ******* was provided a notice of adverse action (NOAA) as required by law, informing his of the principal reason(s) his loan application(s) were not approved.
  

  Subsequently, on February 6, 2025, ********** contacted our customer support team in regards to the concerns mentioned in the complaint, and he was advised of the aforementioned information.
  

  On April 16, 2025, Mr. ******* submitted a new application. Based on the information Mr. ******* provided on his application, later that same day we requested additional information from his in order to make a final decision on his application specifically identity verification and income verification.
  

  As such, Mr. ******* was again advised to contact the NetCredit customer support team directly for identity verification. Additionally, a copy of **************** statement was needed for verification purposes. 
  

  On April 20, 2025, Mr. ******* contacted the NetCredit customer support team for identity verification.
  

  After a careful review, it was determined that Mr. ******* did not meet the underwriting requirements for a NetCredit loan. On April 20, 2025, Mr. ******* was provided a notice of adverse action (NOAA) as required by law, informing his of the principal reason(s)his loan application(s) were not approved.
  

  Please note, we provide a thorough verification process in order to ensure responsible lending. During our underwriting process, we use a variety of tools and techniques to verify identity, employment, banking information, and overall financial health. As such, we require certain verifications to determine a decision.  Review of each of Mr. ******** applications confirms that his applications were reviewed uniformly with our proprietary underwriting model/standards and that he received the correct adverse action reason(s) in each instance.
  

  Based on our review, our records indicate that we have not received any mailed correspondence from Mr. ***************** an effort to assist Mr. ******** we ask that he please submit a copy of the certified mail return receipt provided by the **************************** (****) that confirms the recipient's signature and delivery date. We ask that submit the copy via email to:
  

  NetCredit Customer Support
  Email: ************************************************************
  
  If Mr. ******* has any additional questions regarding this matter, we ask that he please contact our customer service department at ************* Monday Friday, 8:00AM 8:00PM CT or Saturday Sunday, 9:00AM 5:30PM CT.
  
  
  
  

  
  

  Customer Answer

  Date: 06/20/2025

   
  Complaint: 23439693
  
  I am rejecting this response because: Per the business's last response, I have enclosed a copy of the **** Certified Mail Return Receipt ("Green Slip"), proving delivery of a certified letter to their office on February 18, 2025. The signed Return Receipt was delivered to me on February 25, 2025. The other letters were sent by **** First Class Mail without tracking information; however, none have been returned to me. This evidence suggests that NetCredit's response to my inquiry and claim that they "received nothing" from me was made in bad faith. If they truly are having problems receiving their mail, they should contact their local *********** to have that investigated; but again, the evidence enclosed suggests they did, in fact, receive their mail.

   

  In addition, the business's claim that I "do not meet the qualifications" for approval is contradicted by the e-mail notifications I received, and uploaded in my initial inquiry to the BBB, which repeatedly reflect issues regarding identity verification only. Also, I must note that there was no "conditional approval" noted; the website clearly indicated that I was "approved". Perhaps the individual who responded on behalf of NetCredit confused my file with another customer.
  
  Sincerely,
  
  ***** *******

  Business Response

  Date: 06/27/2025

  Thank you for forwarding the additional correspondence to our attention.
  

  As previously mentioned, on February 6, 2025 and April 20, 2025, Mr. ******* submitted several applications through our website ****************************** for a NetCredit loan, issued by ************* & Trust Company (*************)and serviced by NetCredit.
  

  Specific to the application submitted on February 6, 2025, ********** visited our website, ******************************,and proceeded to check his eligibility for a NetCredit loan product.  After providing some general information via the website, Mr. ******* received an offer to apply for a NetCredit line of Credit with NetCredits bank partner, ********************************* (*************), which is serviced by NetCredit.
  

  The notice of eligibility to apply for a loan is not a guarantee that he will be approved for the loan.
  

  Mr. ******* opted to move forward with the process and completed his application for the line of credit.
  

  Based on the information ********** provided on his application, we requested additional information in order to make a final decision on his application specifically identity verification and income verification.
  

  As such, Mr. ******* was advised to contact the NetCredit customer support team directly for identity verification. Additionally, a copy of ***************** statement was needed for verification purposes. 
  

  On February 6, 2025, Mr. ******* contacted the NetCredit customer support team as requested.
  

  After a careful review, it was determined that Mr. ******* did not meet the underwriting requirements for a NetCredit loan. On the same day, Mr. ******* was provided a notice of adverse action (NOAA) as required by law, informing his of the principal reason(s) his loan application(s) were not approved.
  

  Subsequently, on February 6, 2025, ********** contacted our customer support team in regards to the concerns mentioned in the complaint, and he was advised of the aforementioned information.
  

  On April 16, 2025, Mr. ******* submitted a new application. Based on the information Mr. ******* provided on his application, later that same day we requested additional information from his in order to make a final decision on his application specifically identity verification and income verification.
  

  As such, Mr. ******* was again advised to contact the NetCredit customer support team directly for identity verification. Additionally, a copy of **************** statement was needed for verification purposes. 
  

  On April 20, 2025, Mr. ******* contacted the NetCredit customer support team for identity verification.
  

  After a careful review, it was determined that Mr. ******* did not meet the underwriting requirements for a NetCredit loan. On April 20, 2025, Mr. ******* was provided a notice of adverse action (****) as required by law, informing him of the principal reason(s)his loan application(s) were not approved.
  

  Upon receipt of Mr. ******** additional correspondence, he submitted a copy of the certified mail return receipt provided by the ********************* (****) as requested. We will conduct an investigation and provide a response directly to Mr. ******* with the results.
  

  If Mr. ******* has any additional questions regarding this matter, we ask that he please contact our customer service department at ************, Monday Friday, 8:00AM 8:00PM CT or Saturday Sunday, 9:00AM 5:30PM CT.

  
  

  Customer Answer

  Date: 06/30/2025

   
  Complaint: 23439693
  
  I am rejecting this response because: I look forward to a robust response from the company regarding the steps needed to resolve the "identity verification" issue.
  
  Sincerely,
  
  ***** *******