We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Loans

NC Financial Solutions, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Loans.

Complaints

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

Find a Location

NC Financial Solutions, LLC has 3 locations, listed below.

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

    Please enter a valid location.

    Customer Complaints Summary

    • 378 total complaints in the last 3 years.
    • 144 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/02/2022

      Type:Billing Issues
      Status:
      Answered
      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:
      Answered
      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,

      ***************************

    NC Financial Solutions, LLC is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.