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

  175 W. Jackson Blvd Suite 600 Chicago, IL 60604

• 

  NC Financial Solutions, LLC

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

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:06/03/2025

  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: 06/19/2025

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

  On January 9, 2022, someone identifying themselves as Ms. ***** applied for an installment loan with NetCredit. During the application process, Ms. ****** personal information was provided, including date of birth and social security ********* part of the application process, consumers must authorize NetCredit to obtain credit reports from consumer reporting agencies. 
  

  On January 10, 2022, a $8,000.00 installment loan was approved and the Credit Agreement and Terms and Conditions (Agreement) were acknowledged and accepted by electronic signature on the application dated January 9, 2022.This Agreement also outlines, in detail, all the terms of the account, including the Loan Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and Payment Schedule. Additionally, the loan agreement advised that we may report information about the account to ********************** bureaus and that late payments, missed payments, or other defaults on the account may be reflected in credit reporting.

  Although we have received payments toward the account balance, the account balance became past due. As such, our collection efforts have been initiated. As part of the loan process, account activity is sent to the consumer reporting agencies.
  

  On February 16, 2023, NetCredit sent Ms. ***** a notice informing her of the default and that she had the right to cure the past due balance before March 20, 2023, or the balance would become immediately due (accelerated).  Ms. ***** failed to cure the default, and the Loan was accelerated, making the entire outstanding balance immediately due and payable.
  

  Due to continued non-payment of past due amounts, on April 29, 2024, Ms. ****** account was sold to a third-party debt buyer, ************** (Plaza). As a result, NetCredit is no longer servicing Ms. ****** account since it is not currently owned by NetCredit. In addition, NetCredit no longer attempted to contact Ms. ***** after her account was sold.
  

  Based on our review, Ms. ***** has submitted credit disputes through Experian and received a copy of her ************************ (***) identity theft report to advise that she did not apply for the loan and had been the victim of a fraudulent application. In accordance with our policy, Ms. ***** was advised that she must file a police report and provide a full copy to NetCredit to begin an internal investigation.
  

  Our records indicate that Ms. ***** not contacted our customer support team directly to assert that she did not apply for the loan and instead was the victim of a fraudulent application.However, upon receipt of her complaint, she was again asked to file a police report and provide a full copy to NetCredit.
  

  At this time, Ms. ***** has not provided the required documentation as previously requested. Should Ms. ***** wish to pursue an identity theft investigation, we ask that she file a police report and provide a full copy to NetCredit via email or fax to:
  

  NetCredit ****************
  Fax: ************
  Email: *********************************************************************
  
  Upon receipt of the police report, our fraud department will begin review of the identity theft claim.
  

  Please note that NetCredit cannot modify accurate credit reporting under the Fair Credit Reporting Act (FCRA). If Ms. ***** 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 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:05/23/2025

  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.

  On 5.21.2025 I applied for a loan through Net credit and one day later I receive a denial .the denial stated my employment information was not submitted but in truth it was submitted .I feel this may be discrimination at it's peak because if I am denied a loan I should be told the truth to why .On the denial it did not state credit reasons or lack of submission for documentation and the reason it was denied is a lie As I did upload 2 bank stubs.these are the biweekly stubs I attached when applying for the loan which Net Credit says was not done.i have resubmitted my application with screen shots and this time I have the confirmation shows the information has been collected .The first time I submitted the application is was also uploaded

  Business Response

  Date: 06/04/2025

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

  As an initial matter, we take pride in making credit available to all credit worthy customers regardless of race, ethnicity, or any other prohibited basis.  As such, we comply with the Federal Equal Credit Opportunity Act which prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, ***, marital status, age, because all or part of the applicants income derives from any public assistance program, or because the applicant has, in good faith,exercised any right under the Consumer Credit Protection Act.  
  

  Between May 20, 2025 and May 24, 2025, Ms. ****** submitted three (3) applications through our website ****************************** for a NetCredit loan product from ********************** ********** which is serviced by NetCredit.
  Ms. ****** visited our website, ******************************, and proceeded to check her eligibility for a NetCredit loan product. After providing some general information via the website, Ms. ****** received an offer to apply for a NetCredit open-ended line of credit. Please note that the offer for a line of credit is determined based on limited information and is not the final approval nor does it guarantee the line of credit will be approved.
  

  Ms. ****** opted to move forward with the process and applied for the line of credit. As part of the application process, consumers must authorize NetCredit and/or ******* to obtain credit reports from consumer reporting agencies. When she signed the contract and pursued the loan, a hard inquiry was made on her credit report.  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 her application, we requested additional information from her in order to make a final decision on her application specifically income verification and pay stub verification. As such, a copy of **************** statement and paystubs were needed for verification purposes. 
  

  After reviewing the bank statements and paystubs Ms. ****** provided, we were not able to verify sufficient income. After careful consideration, it was determined that Ms. ****** did not meet the underwriting requirements for a NetCredit loan and notices of adverse action (NOAA) were sent as required by law, informing her of the principal reason(s) her loan application was 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 Ms. ******* applications confirms that her applications were reviewed uniformly with our proprietary underwriting model/standards and that she received the correct adverse action reason(s) in each instance.
  

  Based on our review, Ms. ****** emailed the NetCredit customer support team to inquire about the application decision and her concerns has been escalated. Ms. ****** will be contacted 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: 06/04/2025

   
  Complaint: 23370199
  
  I am rejecting this response because:I was told I was approved and entered my banking information and feel it was sold to lenders who ALL rejected me .it makes me feel my information was stolen.i also was told in a document it was approved therefore your organization should pay me what was approved $900.00 and look at your verbiage on the approval notice as well as revise it as it does not show true ************* address is ************************************************************* .this company looks for loans not provides loan through the company NETCREDIT this is FALSE ADVERTISING.also know where in the verbiage does it mention 3 rd party lenders and I have sought counsel and we are looking into a classified suit.
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 06/12/2025

  Thank you for forwarding the additional correspondence to our attention.
  

  As mentioned, between May 20, 2025 and May 24, 2025, ********* submitted three (3) applications through our website ****************************** for a NetCredit loan product from ********************** (*******), which is serviced by NetCredit. Contrary to her assertion, NetCredit has not sold *********** information.
  

  As mentioned, Ms. ****** visited our website, ******************************, and proceeded to check her eligibility for a NetCredit loan product.  After providing some general information via the website, Ms. ****** received an offer to apply for a NetCredit open-ended line of credit.
  

  As mentioned, the offer for a line of credit is determined based on limited information and is not the final approval nor does it guarantee the line of credit will be approved.
  

  As mentioned, Ms. ****** opted to move forward with the process and applied for the line of credit. Based on the information Ms. ****** provided on her application, we requested additional information from her in order to make a final decision on her application specifically income verification and pay stub verification. As such, a copy of **************** statement and paystubs were needed for verification purposes. 
  

  After reviewing the bank statements and paystubs Ms. ****** provided, we were not able to verify sufficient income. After careful consideration, it was determined that Ms. ****** did not meet the underwriting requirements for a NetCredit loan and notices of adverse action (NOAA) were sent as required by law, informing her of the principal reason(s) her loan application was 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.
  

  As mentioned, review of each of Ms.******* applications confirms that her applications were reviewed uniformly with our proprietary underwriting model/standards and that she received the correct adverse action reason(s) in each instance.
  

  Based on our review, Ms. ****** emailed the NetCredit customer support team to inquire about the application decision and her concerns has been escalated and she was advised of the aforementioned information.
  

  As a result of the aforementioned statements, Ms. ******* desired resolution of financial compensation is respectfully denied.
  

  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: 06/13/2025

   
  Complaint: 23370199
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:05/23/2025

  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.

  I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  Business Response

  Date: 06/10/2025

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

  On September 14, 2018, Ms. ******* was funded a $4,450.00 installment loan with 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 September 14, 2018.  Ms. ******* can access a copy of her Agreement at any time by signing into her online account at ******************************.
  

  This Agreement also outlines, in detail, all the terms of the account, including the Loan Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and Payment Schedule.
  

  Additionally, the Agreement ********** signed also advised that we may report information about the account to ********************** bureaus.  That late payments,missed payments, or other defaults on the account may be reflected in her credit reporting.

  Although Ms. ******* has made payments toward the account balance, she failed to make the required payments under the Agreement and her account balance became past due. Accordingly, the account balance became delinquent. Therefore, our collection efforts were initiated. As indicated in the Agreement, we reported this account activity to the consumer reporting agencies.
  

  On March 21, 2019, NetCredit sent ********** a notice informing her of the default and that she had the right to cure the past due balance before April 22, 2019, or the balance would become immediately due (accelerated).  Ms. ******* failed to cure the default,and the loan was accelerated making the entire outstanding balance, plus all accrued and unpaid interest owed under the agreement, immediately due and payable.
  

  Due to continued successive non-payment to correct the past due amounts, on April 8, 2020, Ms. ********* outstanding balance was sold to debt buyer, ************************* (***). As a result, NetCredit is no longer servicing *********** account since it is not currently owned by NetCredit. In addition,NetCredit no longer attempted to contact Ms. ******* after her account was sold. Therefore, inquiries regarding Ms. ******** account after it was sold should be directed to *** their contact number is ************.
  

  Our review of Ms. ******** account and the performance information we sent to the consumer reporting agencies indicates that we reported accurate information concerning the repayment history and status of Ms. ******** account. As we are required to report accurate information, we are unable to fulfill Ms. ******** request to alter or delete accurate credit reporting.
  

  Please note, Ms. ******* has previously contacted our customer support team and requested a validation of the debt that is owed to NetCredit. As such, we provided validation of debt and payment history via **************************** (****). However, it appears that she is again requesting a validation of the debt, therefore we provided validation of debt and payment history via **************************** (****) to ********************************
  

  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:05/20/2025

  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 started to recieve emails a line of credit was applied for through a comany named NetCredit. I sent emails back to their support to shut down any application as it was fraud. I then got an email that an account was opened anyway. I called and they were able to identify me and said an account was opened. I told them I wanted to ***ort it as fraud and to transfer me to the fraud department. Netcredit then told me that they can't transfer me because I have to file a police ***ort and send them the ***ort along with my checking account info. Supporting email attached. Although I was likely not going to comply with sending bank info, I agreed that I would do that to file a fraud case. I then asked to at least close the line of credit as it was not authorized. Netcredit said the only way to do that was to verify info found on my credit ***ort that they would need to pull and run past me. I told NetCredit there was no way and I would be contacting the BBB. The *** then said that there was never an account opened, and their fraud department flagged it prior.

  Business Response

  Date: 05/30/2025

  We have received the complaint sent to the Better Business Bureau (BBB) by ***** ********. As we understand it, Mr. ******** is asserting that he is the victim of identity theft.
  
  On May 20, 2025, someone identifying themselves as Mr. ******** submitted an application through a third-party lead provider/website, Search Roi for a loan through NetCredit, issued by ********************** (*******) and serviced by NetCredit. The applicant provided Mr. ********* personal information such as date of birth and social security number and as part of the application process, provided authorization for NetCredit and/or ******* to obtain his credit reports from the consumer reporting agencies. Prior to approving customer **************************** utilizes multiple data sources, robust systems, and procedures for assessing an applicants identification, creditworthiness and ability to repay.Each application is evaluated on an individual basis and not every application gets approved. This application was received from third-party marketer, Search Roi.
  

  After careful consideration, it was determined that the application did not meet our underwriting requirements for a NetCredit loan. The application was ultimately denied, and on May 20, 2025, a notice of adverse action (****) was sent to *********** via email as required by law, informing him of the principal reason(s)his loan application was not approved. As mentioned above, the application was received from a third-party marketing partner. Contrary to his assertion, *********** did not receive notification that the application was approved,instead, he received notification via email that he has been matched with an offer for a financial product.
  
  On May 20, 2025, Mr. ******** emailed the NetCredit customer support team to assert that he did not apply for the loan and had been the victim of identity theft. In response, he was advised to call the NetCredit customer support team for additional information regarding the identity theft process.
  
  Subsequently,on May 20, 2025, *********** called the NetCredit customer support team[HR1]  to advise that he did not apply for the loan. In accordance with our policy, he was asked to file a police report and provide a full copy to NetCredit so that an investigation could begin. A confirmation email was sent advising him of the process and the required documentation to initiate a fraud claim.
  
  We would like to clarify that although it is advised to include the bank account in the police report, it is not mandatory. However, bank account information in the police report will further safeguard Mr. ******** credit.
  
  Additionally,Mr. ******** requested to close the account. Please note, to confirm his identity, and verify the information, we asked him if he would participate in answering a few personalized questions using information from a credit reference agency. However, Mr. ******** declined to participate. Therefore, we were unable to proceed with the request to deactivate the account.
  
  Should Mr. ******** wish to pursue his identity theft claim, we ask that he submit a full copy of his police report via email or fax to:
  
  NetCredit ****************
  Fax: ************
  Email: *********************************************************************
  
  Upon receipt of the police report,our fraud department will begin review of the identity theft claim.
  

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

  Additionally, if Mr. ******** believes that he is a victim of identity theft, we strongly encourage he file an identity theft report online with the ************************ (FTC) 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.
  

  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: 06/02/2025

   
  Complaint: 23357237
  
  I am rejecting this response because: Based on how this company operates, I do not feel comfortable giving them additional identifiable information that could potentially be used for ongoing fraud.  A review of the information used on the application includes a residential address I lived at for 6 months 20 years ago.  If they have access to my information, they should be able to see that information along with other info submitted does not match enough that they flagged it as fraud as well.  I should not need to file a police report or give them any more information than I already have.  They intentionally make it difficult for the victims of id theft to repair damage or prevent future damage.  This is not the first time this company has had my information used, so I am looking for a permanent solution with this company.  Not one where I have to continue to jump through hoops due to their shady business practices.

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

  Business Response

  Date: 06/12/2025

  Thank you for forwarding the additional correspondence to our attention.
  

  As mentioned, on May 20, 2025, someone identifying themselves as Mr. ******** submitted an application through a third-party lead provider/website, Search Roi for a loan through NetCredit,issued by ********************** (*******) and serviced by NetCredit.
  

  As mentioned, after careful consideration, it was determined that the application did not meet our underwriting requirements for a NetCredit loan. The application was ultimately denied, and on May 20, 2025, a notice of adverse action (****) was sent to *********** via email as required by law, informing him of the principal reason(s)his loan application was not approved. As mentioned above, the application was received from a third-party marketing partner.

  On May 20, 2025, Mr. ******** emailed the NetCredit customer support team to assert that he did not apply for the loan and had been the victim of identity theft. In response, he was advised to call the NetCredit customer support team for additional information regarding the identity theft process.
  

  Subsequently, on May 20, 2025, *********** called the NetCredit customer support team to advise that he did not apply for the loan. In accordance with our policy, he was asked to file a police report and provide a full copy to NetCredit so that an investigation could begin. A confirmation email was sent advising him of the process and the required documentation to initiate a fraud claim.
  

  We would like to reiterate, it was determined that the application was ultimately denied, and on May 20, 2025, a notice of adverse action (NOAA) was sent to Mr. *********  We can assure *********** that ******* and NetCredit take seriously the responsibility to protect consumer information.  In addition, we value the privacy of all our applicants and customers, and maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard consumer information.
  

  However,Mr. ******** declined to participate. Therefore, again, we are unable to proceed with the request to deactivate the account.
  

  Contrary to Mr. ******** assertion, our records only indicate receiving one (1)application with his information, which is the above-mentioned application.
  

  As mentioned, should Mr. ******** wish to pursue his identity theft claim, we ask that he submit a full copy of his police report via email or fax to:
  

  NetCredit ****************
  Fax: ************
  Email: *********************************************************************
  
  Upon receipt of the police report,our fraud department will begin review of the identity theft claim.
  
  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: 06/13/2025

   
  Complaint: 23357237
  
  I am rejecting this response because: I tried to file a police report with the ************* police and they referred me to the *********** police department as that is where the applicants address was. ***************************** informed me that they do not file a police report if nothing has been stolen/taken.  This is an impossible task that this company uses to avoid having to process an id theft case. I just want the company to flag my name and any of the info on file so that they do not accept any future applications from anyone claiming to be me.  I have no use for their predatory lending and will never have a need for their services.  Why can they not flag my information internally to not accept any further applications?  They are just trying to further victimize the victim.  They should be prosecuted.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:05/16/2025

  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.

  I am not liable for this debt with NETCREDIT/*************. I do not have a contract with this agency. They did not provide me with the original contract as I requested.

  Business Response

  Date: 05/23/2025

  We have received the complaint sent to the Better Business Bureau (BBB) by ******* *******.  As we understand it, Ms. ******* asserts that she is the victim of identity theft and is requesting that we remove all record of the account from her ********************** report. 
  

  On December 15, 2023, someone identifying themselves as ******* ******* applied for a NetCredit loan product,issued by ************* & ************* (*************), and serviced by NetCredit.  During the application process, Ms. ******** personal information was provided, including date of birth and social security number. As part of the application process, consumers must authorize NetCredit and/or ************* to obtain credit reports from consumer reporting agencies. 
  

  Subsequently, a $1,200.00 NetCredit line of credit was approved, and the Republic Credit Agreement and Terms and Conditions (Agreement) were acknowledged and accepted by electronic signature on the application dated December 15, 2023. In the Agreement, minimum payment requirements were provided as being due every billing period that carries a balance. Additionally, the loan agreement advised that we may report information about the account to ********************** bureaus and that late payments, missed payments, or other defaults on the account may be reflected in credit reporting.
  

  Since establishing the line of credit, one (1) cash advance has been requested. Ms. ******* failed to make the required minimum payments under the agreement and the account became past ****** part of the loan process, account activity will be sent to the consumer reporting agencies.
  

  On May 22, 2024, Ms. ******* was sent a Notice of Right to Cure Default informing her of her right to cure her default by paying $279.03 before June 24, 2024 or her entire outstanding balance would become immediately due (accelerated).
  

  On June 24, 2024, 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 $1,043.95,became due, which includes all amounts owed on her line of credit.
  

  On July 30, 2024, Ms. ******** outstanding balance was sold to a third-party debt buyer, *********************** (***)due to continued non-payment of the past due amounts and notification was sent to her via email. As a result, NetCredit is no longer servicing Ms. ******** line of credit account since it is not currently owned by *************. In addition, NetCredit can no longer attempt to contact Ms. ******* after her account was sold. Therefore, inquiries regarding Ms. ******* account as it stands now should be directed to *** their contact number is ************.
  

  Based on our review, our records do not indicate that Ms. ******* requested a copy of the loan agreement. However, we have sent a validation of the debt via email and ***************************** (****) service.
  

  Additionally, our records do not indicate that Ms. ******* has contacted the NetCredit customer support team directly to assert that she did not apply for the loan. In accordance with our policy, we ask that she file a police report and provide a full copy to NetCredit via email or fax to:
  

  NetCredit ****************
  Fax: ************
  Email: *********************************************************************
  
  Upon receipt of the police report, our fraud department will begin review of her identity theft claim.
  
  Our review of Ms. ******** line of credit account and the performance information we sent to the consumer reporting agencies indicates that we reported accurate information concerning the repayment history and status of Ms.******** account.

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

  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:05/16/2025

  Type:Sales and Advertising 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.

  Today- May 16th, 2025.I had made an account through this business in order to secure a line of credit to help with repairs on my vehicle in order to get to my job. I was approved for a line of credit up to $2850. The email I had made the account under ******************* apparently had a different social security number associated with the account to which I had no knowledge that it was the wrong number. I had no knowledge because AFTER FULLY going through the application process which was putting in my banking information, and finalizing all of my personal information and agreeing to all the terms and conditions, I received a notification through Credit Karma for a hard credit check thinking everything was okay and my credit was just gonna get ran like normal. I assumed they just maybe needed additional identification which is fine. I received an email for additional verification but upon calling, the representatives told me that I had a second email (angelicsmagdaleno) through this same business which they described as being the right account as it had my correct social security number tied to it. The representatives that I spoke to said there was nothing they could do for me since the line of credit was associated with a different social security number which I understand; however, I am confused because when I had finished my application with the wrong email, my credit was ran? But why would my credit be ran if it wasnt the right social security number associated with the account?The only reason why I had went with this specific business to start was because on their home page, they state that you can check for your eligibility of up to $10,000 without running your credit score. So you mean to tell me that not only am I not getting the money I need to fix my vehicle, but you also mean to tell me that I had a hard inquiry done that will take 3-6 months to get taken care of? I added screenshots of the emails to help with my case. Thanks for your time.

  Business Response

  Date: 05/27/2025

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

  Between March 13, 2025 and May 16, 2025, Ms. ********* submitted multiple applications for a NetCredit loan product via the NetCredit website,**************************************. After checking her eligibility for a NetCredit loan product and providing some general information via the website, Ms. ********* received an offer to apply for a NetCredit open-ended line of ********************** with NetCredits bank partner, ************* & Trust Company (*************),which is serviced by NetCredit. Please be advised, checking ones eligibility will not impact ones ********************** score as it is a soft inquiry. We would also like to clarify that the notice of eligibility to apply for a loan is not a guarantee that she will be approved for the loan.

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

  On May 16, 2025, Ms. ********* contacted our customer support and upon further review, it was discovered an account profile was previously created with some of Ms. ********** personal information. Because some of the information was not accurate, such as her social security number, we were unable to give further consideration to the submitted applications and she was advised to reapply with the accurate information.

  On May 21, 2025, Ms. ********* received an email notification advising that two separate profiles existed under her name, one containing an incorrect Social Security number (SSN) and the other with the correct SSN.
  It is important to understand that the ********************** reporting agencies use other identifying information to match it to ************* ********************** report.

  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 Ms. ********** applications confirms that her applications were reviewed uniformly with our proprietary underwriting model/standards and that she received the correct adverse action reason(s) in each instance.
  

  Based on our review, Ms. ********* contacted our customer support team in regards to the concerns mentioned in the complaint, and she was advised of the aforementioned information. Please note that Ms. ********** erroneous account has been disabled. We would also like to clarify that there is no guarantee that an application will be approved for a loan until it has been funded.
  

  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:05/09/2025

  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.

  On 5/9/2025, I was applying for a personal loan and was redirected to *******'s website to complete my application. When I was finished with my application, I was informed that I would have to pay a ONE TIME fee of $1.00 for a trial period and that after the 7 day trial payment I would be charged a monthly fee of $39.97, if i wanted to continue with their services. They charged me the trial fee three times, totalling $3.00, but they also charged me the monthly fee of $39.97 on 5/9/2025. I only agreed to the $1.00 trial period fee and nothing more. I was overcharged $41.97 and I would like that money back.

  Business Response

  Date: 05/26/2025

  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 are not nor are we affiliated with ***************** ************
  
  On October 14, 2024, *********** opened a $1,100.00 line of credit with CashNetUSA. When Ms. ******** applied for the line of credit, she was presented with and required to agree to the CashNetUSA and Terms and Conditions (Agreement) if she wanted to proceed with the application process; she acknowledged her acceptance by electronic signature on the application dated October 14, 2024. Before she entered the agreement, ********** disclosed the terms and conditions of the Line of Credit including the Annual Percentage Rate (APR) for Cash Advances and Paying Interest.  The interest applicable to a cash advance were fully set forth in the agreement.
  
  In addition, she signed an Automated Clearing House (ACH) authorization allowing credits and debits to be made to her bank account.
  
  As set forth in Ms. ********* line of credit Agreement, she is required to make at least the minimum payment every billing period that has an outstanding 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.
  
  Since establishing the line of credit, *********** has requested five (5) cash advances and her account balance past ****** such, our collection efforts have been initiated.
  
  Based on our review, on January 30, 2025, *********** called our customer support team and requested to revoke our ACH authorization. As such, we honored this request and a confirmation email was sent to Ms. ********* Therefore, we have not attempted to debit her account since January 30, 2025.
  
  As mentioned, we are not ***************** Goleta CAUS and we have not debited ******************* account.
  
  We recommend Ms. ******** follow up ***************** Goleta CAUSA directly for additional information.
  

• Initial Complaint

  Date:05/09/2025

  Type:Order 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.

  They try to lie to you and use their policy against you.When i've already been shown and told the real policy. I've been given the runaround, i have to oververify myself which I have confirmation from a supervisor there that that is not the case. And there is actually a review going right now that could get someone in trouble for trying to oververify me and sense, trying to get that review settled. I got four or more people to add to it. Management don't want to hear anything i have to say. I'm trying to pay my bill and speak to a manager. Because I am not comfortable with it.Any other way, and they will not allow that to happen, i thought hippa laws covered this

  Business Response

  Date: 05/21/2025

  We have received the complaint sent to the Better Business Bureau (BBB) by ***** *****. As we understand it, Mr. ***** is displeased with our verification processes.
  

  On June 15, 2024, Mr. ***** opened a $2,500.00 line of credit, offered by ********************************* (*************)and serviced by NetCredit. When he applied for the line of credit (LOC), 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 June 15, 2024.  ******** 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 one (1) cash advance. At this time, Mr. ***** does not have an outstanding balance with NetCredit.
  

  Based on our review, on May 9, 2025, Mr. ***** called the NetCredit customer support team several times, ultimately wanting to make a payment via debit card.However, he refused to verify his information and disconnected the calls. NetCredit values the privacy of all our customers, and we maintain procedural safeguards to ensure our customers privacy; accordingly, we must verify we are speaking with the account holder before providing account details. Therefore, we will not discuss the specific details of the account without verifying we are speaking with the account holder first. 
  

  Mr. ***** would again call the NetCredit customer support team and immediately demand to speak with a member of management and would not accept any assistance from agents. In our continued effort to assist Mr. ****** a member of management spoke with him, and he expressed his frustration with the verification process. Additionally, ******** made a debit card payment of $110.00. On that same call, Mr. ***** expressed his concerns with the fees and indicated that he was not advised of the fees with the **** As the member of management attempted to advise him of the fees, Mr. ***** became upset, used inappropriate language, and the call was disconnected. However, his concerns have been escalated, and a confirmation email was sent advising him that we will contact him within 10 business days.
  

  After that phone call ended, Mr. ***** proceeded to call the Net Credit customer support team three (3) additional times combatively expressing his concerns for the verification process and the fees associated with the **** As mentioned, his concerns have been escalated,and we will contact him.
  

  On May 12, 2025, Mr. ***** again called the NetCredit support team ultimately wanting to make a payment with a debit card. Please be advised a customer is able to log into account home and schedule payments with their debit card. However, a customer is able to contact the ********************** customer support team and schedule a debit card payment. To securely handle debit card information over the phone a customer has to provide the card details by typing the information on the keypad. This procedure ensures companies follow data protection rules by hiding sensitive debit card information, preventing unauthorized access, and keeping customer information safe from fraud or data breaches. Yet, Mr. ***** became upset with the process and disconnected the phone call. Mr. ***** again called the NetCredit customer support team to make a debit card payment and again became upset with the process, but ultimately completed the process and made a debit card payment.
  

  For more details regarding the collection and use of customer data, Mr. ***** can review the ********************** Privacy Policy at *************************************************. Each NetCredit customer acknowledges that he or she has read and consented to the terms of the Privacy Policy prior to completing any transaction on our website.
  

  Regarding Mr. ****** security concerns, NetCredit is not in the health industry,therefore, the **************** Portability and Accountability Act (HIPAA) is not applicable to Mr. ****** account.
  

  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:05/08/2025

  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.

  This company said I was approved on several occasions and then they turn around and say I'm not after the fact I was told that applying for a loan would not affect my credit score but it did affect my credit score because they did a hard pull when I was told they would not do that.

  Business Response

  Date: 05/21/2025

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

  Between November 7, 2021 and May 8, 2025, Ms. ***** submitted seven (7) applications through a variety of sources, including third-party lead provider/website, ******,and through our website ****************************** for a NetCredit loan, issued by ********************************* (*************)and serviced by NetCredit.
  

  Specific to the application submitted on May 8, 2025, Ms. ***** visited our website, ******************************,and proceeded to check her eligibility for a NetCredit loan product.  After providing some general information via the website, Ms. ***** received an offer to apply for a NetCredit installment loan with NetCredits bank partner, ********************************* (*************), which is serviced by NetCredit. Please be advised, checking ones eligibility will not impact ones credit score as it is a soft inquiry.We would also like to clarify that the notice of eligibility to apply for a loan is not a guarantee that she will be approved for the loan.
  

  Ms. ***** opted to move forward with the process and completed her application for the installment loan. 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 ******************************************.
  

  After careful consideration, it was determined that Ms. ***** did not meet the underwriting requirements for a NetCredit loan. She was provided a notice of adverse action (NOAA) as required by law, informing her of the principal reason(s) her 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 Ms. ****** applications confirms that her applications were reviewed uniformly with our proprietary underwriting model/standards and that she received the correct adverse action reason(s) in each instance.
  

  Based on our review, Ms. ***** contacted our customer support team in regards to the concerns mentioned in the complaint, and she was advised of the aforementioned information.
  

  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: 05/22/2025

   
  Complaint: 23306115
  
  I am rejecting this response because:
  The notice I received said I was only denied because you was not able to prove my identity and that is when I called your company asking for other ways I could prove my identity 
  Sincerely,
  
  **** Washingtondavis

  Business Response

  Date: 05/27/2025

  Thank you for forwarding the additional correspondence to our attention.
  

  As previously mentioned, between November 7, 2021 and May 8, 2025, Ms. ***** submitted seven (7) applications through a variety of sources, including third-party lead provider/website, ******, and through our website ****************************** for a NetCredit loan, issued by ************* & ************* (*************)and serviced by NetCredit.
  

  Specific to the application submitted on May 8, 2025, Ms. ***** visited our website, ******************************,and proceeded to check her eligibility for a NetCredit loan product.  After providing some general information via the website, Ms. ***** received an offer to apply for a NetCredit installment loan with NetCredits bank partner, ********************************* (*************), which is serviced by NetCredit. Please be advised, checking ones eligibility will not impact ones credit score as it is a soft inquiry.We would also like to clarify that the notice of eligibility to apply for a loan is not a guarantee that she will be approved for the loan.
  

  Ms. ***** opted to move forward with the process and completed her application for the installment loan. 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 ******************************************.
  

  After careful consideration, it was determined that Ms. ***** did not meet the underwriting requirements for a NetCredit loan. She was provided a notice of adverse action (NOAA) as required by law, informing her of the principal reason(s) her loan application(s) were not approved Suspicious Device Activity.
  

  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 Ms. ****** applications confirms that her applications were reviewed uniformly with our proprietary underwriting model/standards and that she received the correct adverse action reason(s) in each instance.
  

  Based on our review, on May 5, 2025, ******** called the NetCredit customer support team inquiring about the decision Suspicious Device Activity and was advised that she may reapply using a different connection to the internet. Contrary to her assertion, our records do not indicate communication about confirming her identity. As previously mentioned, the principal reason(s) her loan application(s) were not approved Suspicious Device ******************************** 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:05/08/2025

  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.

  I have been with this company for several months paying more than the scheduled payment. I am fully aware of fees and finance charges. For the last two-three months, Net Credit have been reporting incorrectly to the credit bureau. It is showing my balance at the amount from when I took out the loan. When I call to address them with my concerns as to why they are not updating my report with the credit bureaus, they tell me they are investigating. They have confirmed verbally that my balance is way lower than whats being reported but yet, still fail to update it. After several weeks now they told me they reported it to the credit bureaus and its the bureaus fault that its not updated. Both credit bureaus assured me that Net Credit have not reported anything and if they did, it will show in real time because of some type of interface connection with the company. I have reached out to ***** which is their partner company. However, they have responded or returned a call. This high balance have blocked me from having access to other funds and a low rate because they fail to update my account

  Business Response

  Date: 05/19/2025

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

  On September 16, 2024, Ms. ******* opened a $2,450.00 NetCredit 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). As set forth in her Agreement, she is required to pay at least the minimum payment every billing period in which there is an account balance. Additionally, the Agreement advised that we may report information about the account to ********************** bureaus and that late payments, missed payments, or other defaults on the account may be reflected in her credit reporting. Ms. ******* acknowledged her acceptance by electronic signature on the application dated September 16, 2024.  Ms. ******* can access a copy of her Agreement at any time by signing into her online account at ******************************.
  

  Since establishing the **** ********** has requested two (2) cash advances and she has made timely *********** part of the loan servicing process, account activity is sent to the consumer reporting agencies.
  

  Ms. ******** statement issued on February 14, 2025 reflected an Ending Account Balance of $2,002.04  with Available Credit of $499.19.  On February 18, 2025, Ms. ******* requested her 2nd cash advance of $498.88 which increased her account balance to $2,500.92.  She was allowed to receive this cash advance because the cash advance did not exceed her Available Credit at the time.  As $2,500.92 exceeds Ms.******** credit limit of $2,450.00, her line of credit was put into a suspended status which prevents the accountholder from requesting additional cash advances until the Available Credit becomes greater than $0.00. 
  

  At the close of February 2025, her balance was $2,473,37 which is the balance that we reported to the credit reporting agencies on March 2, 2025.  Her line of credit was reported as suspended in the March 2025 report to the credit reporting agencies.
  

  On March 25, 2025, Ms. ******* called the NetCredit customer support to inquire about the accuracy of the information sent to the consumer reporting agencies particularly the balance. In response,she was advised to submit a copy of her most recent credit report and clearly identify each item present on her credit report that she wishes to dispute to begin an investigation.
  

  On March 31, 2025, Ms. ******* called and emailed the NetCredit customer support team regarding the ********************** limit balance that is reporting to the consumer reporting agencies. During the phone call, Ms. ******* was incorrectly advised that there was an error for the over-limit reporting. Instead, she should have been advised that her payoff amount exceeded the credit limit, which would result in an "over the limit" status being reported.  We apologize for any confusion this may have caused.
  

  As mentioned, Ms. ******* also emailed the NetCredit customer support team on March 31st regarding the credit limit balance. In response, she was properly advised that the Statement Balance Fees were added to the balance, however, her account balance was now below her credit limit due to additional payments she had made and therefore her balance would be reported accordingly in April.
  

  On April 1, 2025, we received Ms.******** electronic credit dispute through ********** regarding that account balance, which we investigated and determined that there were no credit reporting inaccuracies in the information provided to the consumer reporting agencies by NetCredit. However, due to Ms. ********* concerns with the credit reporting, NetCredit opened a credit dispute, therefore the line was reported as suspended in the April 2025 report.
  

  Please be advised, with a line of credit, the amount of credit that is taken out will reflect in the credit utilization on their credit report. Credit utilization is the amount of revolving credit that is currently being used divided by the total amount of revolving credit that is available.
  

  On April 24, 2025, Ms. ******* again called the NetCredit customer support team to dispute the ********************** reporting and advised that she would be seeking the assistance of a third-party agency. As such her account was escalated and she was advised that the February 2025 cash advance caused the balance to be reported as over the credit limit in the March 2025 report and line to be suspended. A confirmation email was sent on April 29, 2025.
  

  Between April 29, 2025 and May ******, Ms. ******* has corresponded with the NetCredit customer support team to again dispute the balance that is being reported. However, her account has again been escalated and she will receive a response within ten (10) business days.
  

  Due to Ms. ********* consistent payments in April 2025, the account balance of $1,352.78 was reported on May ******. As mentioned, as each payment occurs, a reduction in the account balance will be reflected.
  

  Our review of Ms. ******** line of credit account and the performance information we sent to the consumer reporting agencies indicates that we reported accurate information concerning the repayment history and status of Ms. ******** account. 
  

  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.