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:08/16/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is *************************. My Net Credit loan # was 2019CA286458280. Net Credit reported my account 90 days late to Experian and Transunion for the months of May, June, and July in a grave error. Per Net Credits website, there wasn't any payments past due, due, nor deducted via automatic EFT in May nor June. In May, per their website, my next payment was scheduled on July 1st. The July 1st date couldnt be adjusted per their website. In May I assumed that I had either overpaid the loan or some adjustment was made on Net Credits part. I also updated an automatic EFT agreement with my bank info on May 15th to ensure EFT payments. There was no activity on my Navy Federal account from Net Credit for the months of May nor June. There were also no correspondence from Net Credit in May nor June regarding any past due balances.Prior to July 1st automatic EFT payment, the last payment was made on April 14th was for $132.63, which yielded a balance of $178.36. In May, as I stated before, no payment was reported due. Nevertheless there was an automatic EFT agreement in place. I made an extra $17.92 payment on June 21st in an attempt to have balance reflect an even ****** for Julys scheduled payment ($178.36 - $17.92 = $******). However, Net Credit applied $17.92 to interest.Interest continued to accrue on the balance, because when Net Credit ultimately auto deducted $****** on July 1st, I had a balance of $47.38, which was promptly paid on July 12th. Net Credits only EFT deduction since April 2022 was on July 1st for $******.If I had any past due balances since May, Net Credit wouldve automatically deducted it via EFT per our agreement. Thus, Net Credit is reporting inaccuracies to my credit profile. In addition I have left numerous message requesting a manager's call back for two months and no one has called me.

  Business Response

  Date: 08/27/2022

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  
  On February 25, 2019, **************** was funded a $4,000.00 Installment loan with NetCredit. Before he entered into the agreement, NetCredit disclosed the Terms and Conditions associated with the loan, including the Loan Duration, Annual Percentage Rate,Finance Charge, Amount Financed, Total of Payments and the Payment Schedule. *********** then signed his loan agreement acknowledging that he understood and accepted the terms and conditions associated with the installment loan.
  

  Based on our review of ****************** concerns, we identified the error and a correction to his credit report was submitted to the credit reporting agencies. We apologize for the confusion and we recommend ************ allow 30 days for the corrected information to reflect on his credit report. Please note, a confirmation email was sent to **************** regarding this matter.
  

  NetCredit strives to provide the ultimate customer experience, and we would be more than happy to address any outstanding questions or concerns that ************ may have regarding his account. We ask that she contact our customer support team at ************ for assistance.
  
  We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

  
  

• Initial Complaint

  Date:08/15/2022

  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.

  This company has failed to end my loan agreement with numerous phone calls.

  Business Response

  Date: 08/24/2022

  We have received the complaint sent to the Better Business Bureau (BBB) by *****************************. As we understand it, she wishes to close her account with NetCredit.
  
  After carefully reviewing this complaint, based on the information provided, NetCredits bank partner ************* & ************* (*************), is not able to locate a profile that matches the complainants information (e.g. name and address).  In order to assist ************** further, we ask that she please contact us at her earliest convenience to provide an account number and/or personal identifiable information to verify if there is an account in our database.  Our customer service departments phone number is ************.  Please note our hours of operation are Monday Friday 8AM 8PM CT and Saturday Sunday 9AM 5:30PM CT.

  
  Thank you.

• Initial Complaint

  Date:08/12/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 11 Aug 2021, I called net credit at ************. and spoke to one of the agents (***) to make sure that they cancelled my request for a loan and they did withdraw my request. However, when I asked them to cancel my account and to remove my banking information, *** advised me that they could not remove my account or banking information because by law they must keep my banking information for 2 years. I didn't understand this procedure as I had worked in law most of my life and ran into some hard times, and that's why I had originally requested they loan but them withdrew my request. I had inputted my banking info before I decided to cancel my request and didn't realize that I couldn't delete my info myself and so I made the call to net credit. The personnel that I spoke with were all polite but I don't see how they can keep my banking info or keep my account opened if I never really got a loan and just want to close my account. I want my banking info removed and my account No. ******** closed.

  Business Response

  Date: 08/22/2022

  We have received the complaint sent to the Better Business Bureau (BBB) by ******************************  As we understand it, she would like to remove her personal information from our system related to her recent application for credit.
  
  On August 10, 2022, ******************** submitted an application with ************* & ************* (Republic) for a loan product, which is serviced by NetCredit.
  
  On August 11, 2022, ******************** contacted our customer service department by phone advising that she is no longer interested in continuing with the loan application process and requested to cancel/withdraw her loan request. As such, her request was honored.
  
  On August 12, 2022, ******************** contacted our customer service department by phone to confirm that her cancellation request was honored and also requested that her information be deleted from our database. ******************** was advised that we would not be able to honor her request for deletion of her information from our database due to record retention requirements under applicable law.
  
  We can assure ******************** that both NetCredit and ************* & ************* take seriously our responsibility to protect customer information.  In addition, we value the privacy of all our customers, and we maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard customer information.  At her request, we have opted her out any future marketing by NetCredit or Republic.  ******************** may refer to NetCredit's Privacy Policy for more details regarding the collection and use of customer data by following the link: https://www.netcredit.com/privacy-policy.html.
  
  Should she have any additional concerns regarding the 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.
  
  Thank you,

  Customer Answer

  Date: 08/26/2022

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

• Initial Complaint

  Date:08/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ** FINANCIAL 2016CA56088**** Balance: $0.00. I never opened this collection account. It does not belong to me. This fraudulent account must be removed from my credit report. I have already sent letters regarding this and I have not received any response.

  Business Response

  Date: 08/19/2022

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  
  After a careful review, our records reflect on December 28, 2016, ******************** was funded a $3,500.00 Installment loan with NetCredit after we received a loan application completed using her personal information.
  
  NetCredit has only received $653.04 toward the account balance, therefore the account balance became delinquent. NetCredit reports payment and account history to the credit reporting agencies. Eventually, the account was sold to a third party debt buyer, ******************** (UHG) formerly known as ********************** on May 30, 2018. Inquiries regarding this debt should be directed to UHG their contact number is ************.
  

  Please be advised that the data submitted by NetCredit represents loan activity prior to the sale of the account appropriately. NetCredit has not reported to Ms. ********* credit report since we placed the account with UHG.
  Our review of the loan performance information sent to the consumer reporting agencies revealed that NetCredit is reporting accurate information concerning the repayment history of this loan and status of the account.
  
  In addition, our records do not indicate that ******************** contacted us to report that she did not request the loan. Since she is asserting that she did not request nor receive the loan and instead may be the victim of a fraudulent transaction, we ask that she please submit a copy of a police report to launch our investigation of this claim to:
  
  NetCredit ****************
  Fax:************
  Email: *******************************************
  
  Please note, our records do not indicate that ******************* requested a validation of the debt that was owed to NetCredit prior to this complaint. Accordingly, we have honored her request.
  
  NetCredit is more than willing to address any outstanding questions ******************** may have, as such, we ask that she please contact our customer service department at ************ for assistance.
  

  We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information,please contact us.

  
  

• Initial Complaint

  Date:08/09/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  hello my name ************************* i have an unfair loan processing practices from net credit i applied for the loan in june i were approve two weeks later netcredit email me the first payment june 17th 2022 so i made payment then in month of august 9th net credit went into my checking account seven days before actual due date i have my bank ***** fargo did stop withdrawal from my checking account i also have claims code number from ***** fargo of net credit going into my account so thats unfair loan processing payment against me i will like an investigation of this unfair practice of netcredit

  Business Response

  Date: 08/19/2022

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

  On June 7, 2022, Mr. ***********;was funded a $1,650.00 installment loan by ************* & ************* (*************) and serviced by NetCredit. Before he entered into the agreement, NetCredit disclosed the Terms and Conditions associated with the loan, including the Loan Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and the Payment Schedule. ***************** signed his loan agreement acknowledging that he understood and accepted the terms and conditions associated with the installment loan.
  

  According to our records, on August 9,2022, **************** scheduled to make a payment of $140.00 for August 9, 2022.However, it appears **************** inadvertently scheduled two (2) payments for August 9, 2022, therefore, his bank account was charged twice. However, we received notification from Mr. ******* financial institution that both debit attempts were returned. Therefore, the charges to his account were not paid.
  

  At this time, Mr. ******* account balance is past due.
  

  We apologize for the inconvenience this matter has caused ****************. If **************** 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.

  We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

  
  

• Initial Complaint

  Date:08/08/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been trying to get a statement on my debt that is owed ***************************** which is c/o Net credit. I have been hung up on twice and when they ask for the last four digits of my social security number some one hangs up the phone this has taken place with calls since 8/1/2022 . I forgot my password and they are not allowing the system to allow me to reset it, and I told them that. I am being represented by a law firm who need to see information because there is a possibly that I may for file bankruptcy. One person did tell me my debt but the law firm need to see the statement. I they keep resending the same email saying open up your account and see it well I can't because I no longer have my password. They have been rude to me.

  Business Response

  Date: 08/19/2022

  We have received the complaint sent to the Better Business Bureau (BBB) by ******************************  As we understand it, **************** was frustrated by her attempts to contact the NetCredit customer support team and requests information regarding her line of credit account.
  
  On April 14,2022, **************** opened a $1,100.00 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 NetCredit Credit Agreement and Terms and Conditions (Agreement); she acknowledged her acceptance by electronic signature on the application dated April 14, 2022.
  
  Based on our review, on August 3, 2022, **************** contacted our customer support team via telephone and requested a copy of her line of credit agreement.  As such, on August 9, 2022, a copy of ***************** loan agreement was sent via email. However, it was not a Portable Document Format (PDF) document. Please be advised, a customer always has access to their loan agreement by logging into their online account. In addition, if a customer indicates that they are unable to log into their account, a customer may contact the ********************** Support Team and reset their password.
  
  Subsequently, on August 9, 2022, **************** again contacted our customer support team and advised that the previously sent documentation was an HTML web page and not a PDF format. As such, on August 10, 2022, she was provided with a PDF copy of her line of credit agreement and billing statements as requested.  On August 11, 2022, we contacted **************** to provide additional password reset assistance so that she should access her account documents via her online account.
  
  We appreciate **************** taking the time to provide this candid feedback and apologize for any inconvenience she may have received during this process. Should she have any additional concerns regarding the 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.
  
  Thank you,

  Customer Answer

  Date: 08/19/2022

   
  Complaint: 17682503
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:08/06/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A loan application was created using my information without my permission. The loan was denied due to lack of information. The address on the loan was my old address as well.

  Business Response

  Date: 08/16/2022

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

  A careful review of our records shows that on July 27, 2022, Ms. ******* personal information was submitted via one of NetCredits marketing partners. As part of the application process,NetCredit made an inquiry to Ms. ******* credit file. Since the credit inquiry was performed in conjunction with an application for credit, we had permissible purpose for the inquiry as stated by the Fair Credit Reporting Act. During the application process, **************** also indicated their consent for NetCredit to obtain credit reports to assist in our lending decision.
  

  However if **************** believes this is fraud and did not apply for the loan with NetCredit, we ask that she please contact our fraud department and provide a copy of a police report to complete our investigation of this claim. **************** may submit a police report  to:

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

  Additionally, if **************** believes that she is a victim of identity theft, we strongly encourage she file an identity theft report online with the ************************ (***) at https://www.identitytheft.gov/. The *** can provide suggestions on how to protect her personal identification information going forward and how to alert other agencies, such as credit bureaus, that her identity information may be compromised.

  We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

  
  

  Customer Answer

  Date: 08/18/2022

   
  Complaint: 17681129
  
  I am rejecting this response because: This has never happened with anyone else. I this response is generic and they know the information they received does not give them the right to setup a loan in my name.
  
  Sincerely,
  
  *************************

  Business Response

  Date: 08/29/2022

  Thank you for forwarding the customer correspondence to our attention.

  As mentioned, an application was submitted with Ms. ******* personal information. After careful consideration, NetCredit could not extend credit to ****************. Therefore, a loan was not issued/funded.

  Again, per our company policy, since **************** believes this is fraud and did not apply for the loan with NetCredit, we ask that she please contact our fraud department and provide a copy of a police report to complete our investigation of this claim. **************** may submit a police report to:

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

  We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

  Customer Answer

  Date: 09/06/2022

   
  Complaint: 17681129
  
  I am rejecting this response because: I shouldn't have to go to the police to file a fraud case due to the fact NetCredit have full knowledge that I didn't apply for the loan. I don't have time to take off to do any of this.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:08/03/2022

  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.

  I have emailed their customer service three times and have gotten only their noreply response email response. It has been over a week since i have sent the first email. I am in an emergency situation and I am running out of time. It is not a way to treat a client one way or the other.

  Business Response

  Date: 08/15/2022

  Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  
  On February 17, 2022, **************** was funded a $1,000.00 Installment loan by ************* & ************* (***), serviced by NetCredit. Before she entered the loan agreement, NetCredit disclosed the Terms and Conditions associated with the loan, including the Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and Payment Schedule in the form of truth in lending disclosures. **************** then signed her loan agreement acknowledging that she understood and accepted the terms and conditions associated with the installment loan.
  
  On July 29 and August 2, 2022, **************** sent us 2 emails inquiring about additional financial services.  
  
  We sincerely apologize for Ms. ******* experience and will take this feedback as an opportunity to investigate our customer support center operations and look for potential opportunities for improvement.
  
  We can confirm Ms.******* account was escalated to our internal resolution department. If **************** 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.
  
  We hope that this response resolves this complaint and answers any questions your office has. If we can provide any additional information, please contact us.
  
  
  

• Initial Complaint

  Date:08/02/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. NC FINANCIAL2019CA25319**** $13,068.00Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 08/12/2022

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

  As an initial matter, NetCredit has previously responded to Ms. ******* Better Business Bureau (BBB) complaint #******** advising that if she believes that the account is fraudulent, to please submit a police report.However, **************** refuses to submit the required documentation.
  

  On October 8, 2019, **************** was funded a $9,100.00 Installment loan with NetCredit. Before she entered into the loan, **************** completed a loan application and provided all of the required personal information and verification documentation. Upon review of Ms. ******* personal information and accompanying documentation, NetCredit approved her installment loan. **************** then signed her loan agreement acknowledging that she understood and accepted the terms and conditions associated with the installment loan.
  

  **************** made several payments towards the account balance, but subsequently ceased making payments as agreed upon under the terms of the loan agreement. Therefore, her account is past due.
  Our review of the loan performance information sent to the consumer reporting agencies revealed that NetCredit is reporting accurate information concerning the repayment history of this loan and status of the account.  
  
  It also appears that **************** is requesting a validation of the debt that is owed to NetCredit, as such we have honored her request and provided the requested documentation via email.
  

  NetCredit strives to provide the ultimate customer experience, and we would be more than happy to address any outstanding questions or concerns **************** may have regarding her account. Based on our review, **************** has not contacted NetCredit directly to report that she may be the victim of a identity theft.   
  

  Again, if **************** asserts that her account was fraudulently opened, a police report is required to launch an investigation.Therefore, we ask Ms. ******* submit a police report to:
  

  NetCredit ****************
  Phone: **********************
  Fax: ************
  Email: *******************************************
  
  We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

  
  

• Initial Complaint

  Date:07/30/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took a loan with them and have never been late. I am having financial difficulties due to a serious medical issue. I am late with the June payment and gave asked for assistance to which they replied they cannot offer anything. I would like the monthly payment reduced or some assistance as I have never been late. They say I have 4 days to bring it current. This is unfair as I have corresponded with them 4 times asking for help.

  Business Response

  Date: 08/09/2022

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

  On January 30, 2020, ************** was funded a $2,500.00 Installment loan with NetCredit. Before she entered the agreement, NetCredit disclosed the Terms and Conditions associated with the loan, including the Loan Duration, Annual Percentage Rate, Finance Charge,Amount Financed, Total of Payments and the Payment Schedule. ************** then signed her loan agreement acknowledging that she understood and accepted the terms and conditions associated with the installment loan.
  

  Based on our review, Ms. ****** account balance is past due. Therefore our collection efforts have been initiated. ************** contacted our customer support team and requested to reduce her payments. As such, we advised that currently refinancing her loan to lower her payments is not an option as this time. However, we asked that she please contact us for available repayment options.  
  

  Due to Ms.****** past due status, our collection efforts have been initiated and we have attempted to contact her via email advising for her to contact us.
  
  NetCredit strives to provide the ultimate customer experience and remain willing to work with her and her account balance, therefore, we ask that she please contact our customer service department at ************ to see what repayment options may be available for her.
  
  We hope that this response resolves this complaint and answers any questions your office has. If we can provide any additional information, please contact us.

  
  

  Customer Answer

  Date: 08/23/2022

   
  This claim needs to be reopened.  I have tried contacting them to get this curren now that I am out of the hospital and they have not responded.  Please help me

  Business Response

  Date: 09/03/2022

  Thank you for forwarding the customers correspondence to our attention.
  

  As previously mentioned, and contrary to Ms. ****** assertion, we have responded to her email requests and asked that she please contact our customer service department for available repayment options.  
  

  Based on our review, ************** has spoken with our customer service department in regards to scheduling a repayment plan, however, she advised that she didnt have the time at the moment to review options and advised that she would contact us back.
  
  Please be advised, at this time, ************** has not contacted us back, however, her concerns have been escalated for review.
  
  Again, we ask that she please update her repayment method by contacting our customer service department via telephone at ************.
  
  We hope that this response resolves this complaint and answers any questions your office has. If we can provide any additional information, please contact us.
  

  
  

  Customer Answer

  Date: 09/07/2022

   
  Complaint: 17646787
  
  I am rejecting this response because: It does not address the situation.  I spoke with someone about a payment plan and since I was at the doctors office having chemo I asked that she email me the arrangements which she never did.  They do not seem to understand I have breast cancer, I am undergoing chemo.  I not only want to get this current but need some arrangement on the regular monthly payment.  I asked if there was any way we could settle this loan for what is left and they said no.  I have never dealt with a company that wont settle.  I had another loan with a different company and in view of my situation they settled and it is over and done with.  I cannot understand why they cannot email what arrangement they propose
  
  Sincerely,
  
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