Complaints

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:03/27/2025

  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.

  We are aware of the debt and do not have the means to pay it back via the terms listed in their portal. Please cease and desist. Calling constantly, calling my family members that have nothing to do with this, and especially calling my work and giving the personal details of the matter to my HR department is completely unacceptable.

  Business Response

  Date: 03/28/2025

   Dear Sir/Madam,
  
  We received a delinquent Quick Credit account in our office on May 3rd, 2025.  We had sent out a letter and email to the information provided by Ms. ****** in our attempts at contacting her to discuss the matter.  I also see there were two attempts at contacting her by phone.  We never heard anything back but now that we know she is unable to handle the account we have put it in Cease & Desist and will notify our client that the account will not be getting resolved.  If Ms. ****** has any questions she can contact our office.
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:03/27/2025

  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.

  We are aware of the debt and do not have the means to pay it back via the terms listed in their portal. Please cease and desist. Calling constantly, calling my family members that have nothing to do with this, and especially calling my work and giving the personal details of the matter to my HR department is completely unacceptable.

  Business Response

  Date: 04/11/2025

  Dear Sir/Madam,
  
  We received a delinquent ******* ********* ****/***** ****** account in our office on March 3rd, 2025 for Mr. Hunter.  At that time a letter was sent out to the address and email address that Mr. ****** provided.  We left a message in hopes of getting in contact with him.  All our calls are recorded and in accordance with the FDCPA laws and guidelines.  There was no information provided for an employer or any third party.  We attempted to reach out to that contact number because it was provided by Mr. ****** on the loan application as one of his two contact numbers.  At this time, we have moved the account to Cease & Desist so there is no further contact being made.  We do understand that life can bring unexpected financial challenges, that is why we are willing to work with the customer to resolve the account if he would like to call in.  We normally don’t offer settlements but could possibly make an exception or even try to do a smaller arrangement to try to assist.  Our client does report to all three major credit reporting agencies so if Mr. ****** would like any assistance in resolving this, please have him give our office a call and ask for a supervisor to assist.  
  Sincerely,
  Compliance Department

• Initial Complaint

  Date:03/13/2025

  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.

  This “business” called my wife and younger brother today and threatened them with legal action if this debt isn’t paid. I did not apply for a loan from the company they are telling me about. I have no idea who these people are and they don’t seem legit.

  Business Response

  Date: 03/14/2025

  We received a delinquent ***** * ** account in our office on March 5th, 2025.  At that time a letter was sent out to the address and email address that Mr. **** provided.  We left a message in hopes of getting in contact with him.  All our calls are recorded and there were no such things done.  Messages were left in hopes of locating Mr. **** which as per Regulation F is all our office is allowed to do with third party calls.  We also spoke to Mr. ****.  He called our office, verified it was him and then told us he doesn’t’ have the pay the loan back and nothing can be done to him because he lives in South Carolina.  At that time, we moved the account into a refusal to pay status.  Should you or Mr. **** have any further questions please feel free to contact our office.  If he does decide to handle the account, he can also go right on our online portal to pay his balance back.
  Sincerely,
  Compliance Department

• Initial Complaint

  Date:03/11/2025

  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.

  Harassing phone calls saying there are a third-party trying to get information from me about a debt. But they’re not a debt collector, but they were hired this place to collect the debt. Therefore, there are a third-party debt collector. They bought the debt and they have now harassed me and are now starting harass my family. I do not appreciate it. I need them to stop calling and leave me alone.

  Business Response

  Date: 03/12/2025

  Dear Sir/Madam,
  We do not have any accounts in our office by the name **** **** or even **** ****.  I also tried to find the account by the phone number and email provided and we do not have anything.  I’m not sure if they are referring to a different company by mistake but if it involves our office I would need the correct information to pull up the account and have it moved to Cease & Desist. 
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:02/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I asked if I can get a day extension on my debt because my account was compromised. I was questioned about the validity of what I said. The contact made reference about how my account works. I was told if I did not make a payment today that they will contact my employer without my permission. The phone transcript should show it all. If they have it in its entirety

  Business Response

  Date: 02/11/2025

  Dear Sir/Madam,
  We have received a delinquent ***** * ** account in our office on June 4th, 2024, for Mr. ********.   We sent out a letter as well as an email to the mailing address and email listed as Mr. ********.   On June 6th, 2024, we spoke to Mr. ******* and were able to come to a conclusion to resolve this account.  He did not have the full balance and stated he was having some issues with his account being overdrawn.  We were able to schedule him for a hardship extension where automatic payments of $157.21 have been coming out of his direct deposit account per pay period.  On February 10th, 2025, his payment plan went into a defaulted status, and we attempted to reach out to him on the the numbers provided for this extension.  He informed us his direct deposit goes to a different account with **** ***.  We explained we had him scheduled on the Regions account so we can swap out the information for him.  We also explained typically when a payment declines it goes back to the full balance due, and we were trying to keep him on his payment plan.  Currently Mr. ******** has paid more than half of his balance back on this.  He has invested a lot.  If this is something he would like to handle he can call our office and speak to our Office manager at extension 106 so we can help figure out how to finish resolving this.
  
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:01/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt, I do not have a contract with Revenue Reporting Services, they did not provide me with the original contract as requested

  Customer Answer

  Date: 01/14/2025

  ************I called them and asked for verification. They wanted me to set up payment. They also called my wife and mother and told them they were listed as associates for this debt which I did not apply for

  Business Response

  Date: 01/14/2025

  Dear Sir/Madam,
  We have received a delinquent Balance Credit account in our office on January 6th,2025, for Mr. Espaillat.  We sent out a letter as well as an email to the mailing address and email listed as Mr. *********.   On January 13th, 2025 our office spoke to him on his cell phone number ###-###-####.  He stated at this time he cannot afford to pay the balance back.  We offered him a payment plan although the contract said full balance was due.  He stated he couldn’t even make a payment plan on it and then told us he wanted the original loan documents.  He requested the documents at 11:52 am EST via email.  We emailed him back those documents at 12:05 pm EST to that same email.  At this time we can put the account in a refusal to pay status so he doesn’t receive anymore phone calls.  Should he wish to handle this account he can contact our office or pay on our portal we sent him in the email.   
  
  
  Sincerely,
  
  Compliance Department

  Customer Answer

  Date: 01/14/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 2*******, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I did not open this account and filed an identity theft report with identytheft.gov and the CFPB. After viewing my credit report, I believe these accounts were made by someone else
  
  Regards,
  
  ****** *********
  
  
  
  
  

  Business Response

  Date: 01/14/2025

  We have updated our records now that you feel this was a case of identity theft. 

   

  Thank you,

   

  Compliance Department

• Initial Complaint

  Date:01/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have received multiple calls from this agency. In addition, my employer, as well as three of my family members have received multiple calls from this agency in an attempt to locate me. I am fully aware of the debt the agency is attempting to collect. I'm unable to pay the debt, therefore no calls will be returned. The calls need to stop. Stop harassing me, stop harassing my family, and above all stop calling my employer.

  Business Response

  Date: 01/14/2025

  Dear Sir/Madam,
  I’m not sure if Ms. ******* is confusing us with a different company but there has been one attempt to contact her by our office via telephone.  We have received a delinquent Balance Credit account in our office on January 6th,2025, for Ms. *******.  We sent out a letter as well as an email to the mailing address and email listed as Ms. *******.   On January 13th, 2025, we attempted to contact Ms. ******* on some of the contact numbers provided for us and left messages.  At this time, we have moved her account into a refusal to pay status, so she doesn’t receive any more calls.   Should Ms. ******* wish to handle this account she can contact our office or go on the portal we sent in our emails to make payment.  
  
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:01/12/2025

  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.

  This company is unethical, harassing in nature, rude, vindictive, & lack people skills. One of my accounts landed with them. From day one they have called & called. I have told them I can’t talk during the day as I am at work. While I understand this is their work day, it is mine too. I’ve asked & given permission to be called in the mornings before my work day. I have taken time out to speak to them during my work day while they transfer me all over creation. Even after I’ve said “how long will this take, I’m at work!” They give you unrealistic terms they want met. Pay almost $500 a month or they will call your employer as “their system won’t let them push the payments out any further. Erin has called my sick mother who is fighting heart failure harassing her. My ex husband has been called. This could affect my son & custody. I was told they use “a third party” to locate known associates and begin harassing them on top of harassing you! It’s like literally a 2k debt! You are a debt collector, not the police solving a crime. Never in my life have I dealt with such harassment. Melissa who claims to be a supervisor is the worst of them all. I have told them the offers they are giving I can’t afford. I don’t want to commit to something & then falter on it! I logged on to their portal two or three times to look at options to which Melissa called me a liar & said I had not. I filed a formal complaint on Thursday to which I was told I would hear back on from the compliance dept by end of day…I’ve heard nothing back. I went ahead & set up a payment I can’t afford so they will leave my family alone & stop threatening to go after my job. If I loose my job, I certainly can’t pay you or care for my children! Like, what is wrong with you people? My pursuit of this is far from over. The BBB is not my last stop. They are highly unethical & if you need to bully & harass to reach your bottom line, you should not be operating in business.

  Business Response

  Date: 01/13/2025

  Dear Sir/Madam,
  We have received a delinquent Lend you Cash account in our office on December 5th, 2024, for Ms. ****.  We sent out a letter as well as an email to the mailing address and email listed as Ms. ****.   On December 9th, 2024, we attempted to contact Ms. **** and had left voicemails in hopes of reaching her.   We then were able to reach her on December 31st, 2024, on a cell phone number she provided.  She stated she had fraud on her account and had to close it.  She stated she was facing an eviction and couldn’t pay the full balance like her contract had stated.  She was transferred to a supervisor to see if we could try to assist her through payments and she stated she doesn’t want to make any promises and wanted to look over things and we told her we would give her a little time to do that and call back.  We never heard back so as of January 7th, 2025, we did attempt to contact her again and spoke to her.  She stated she couldn’t do the $150.00 payments, and she also couldn’t speak to us when she was at work.  We let her know we sent her the link to our portal already and she didn’t’ schedule any payments or call us back to get the account in a good standing so we were following up.  She called back on January 9th, 2025, and spoke to our office manager Madison and she was upset about numbers listed in her account getting contacted.  We let her know we could remove everything other than the two numbers she provided on her loan which were her work number and cell number.  She gave permission for us to call her in the early morning and stated she was going to file a complaint against us.  We then were notified later that day that Ms. **** had gone to our portal and scheduled payments.  It states on our portal the payments must be scheduled per pay date like the contract she signed stated but unfortunately, she went on and scheduled payments to run every 16th of the month rather than it being congruent with her pay dates.  I see that the office manager notated the account to allow the payments scheduled online to be withdrawn even though they are not meeting the requirement because we are trying to help.  This morning, January 13th, 2025 one of our Compliance associates did reach out and speak to Ms. ****.  Ms. He***** spoke with her and went over the concerns she had regarding numbers being called and discussed everything.  We did offer to take payments off file if she cannot afford them but she stated to leave them on file so she can get this done.  The account was notated for only two people to contact her if ever necessary and only on her cell phone and work number provided.  She was also given contact information and email information to the Compliance Department.
  
  Thank you,
  
  Compliance Department 
  
  
  

  Customer Answer

  Date: 01/13/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 22800747, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  This response is picked apart to make them seem fully compliant. While I did speak with Miss. H***** this morning, the telling of the conversation comes off one sided in nature. Why would their site allow me to set up monthly payments at the minimum their site allows if it’s not complaint? I told them to leave the payment as is so they’d leave my mother alone and stop threatening to go after my job. It was relayed this morning I “didn’t have to set up or pay anything” then why are you harassing people I know and threatening to go after my job? You want to say I don’t have to after all this hoopla. Right….I thought Miss. H***** and I had a decent conversation that ended in understanding, but I see I was wrong. For those reasons I reject this response. 

  
  Regards,
  
  ******* ****
  
  
  
  

  
  

  Business Response

  Date: 01/14/2025

  Dear Sir/Madam,

   

  When our Compliance Department did speak to Ms. **** we explained that if she goes on the portal, she will see in bold print above scheduling payments it states, "must be congruent with pay dates."  Our hardship extension allows up to 12 pay dates to handle the account.  Ms. **** went on and just scheduled 12 monthly payments that are not congruent with her pay dates.  When she explained her situation though we informed her it was fine, and we would leave the payment plan alone.  She did inform Mary that she wanted to keep the payments alone even after she was informed, she would not be contacted again if she wants it off file, we can move to refusal to pay or Cease & Desist.  She insisted the payments stay on file so she can handle the account, and we went over the details of the payments.  We are simply just trying to respond to the complaint and had even reached out to try to allow her an outlet for her concerns.  At this time, we have done everything we can to assist Ms. ****.  The payments are on file and scheduled with an automatic run at 7 am EST.  If Ms. **** wishes to have them taken off file or no further contact, please make sure to let our office know.  In the meantime we will leave things alone as discussed and any further questions you can contact the office. 

   

  Thank you,

   

  Compliance Department

  Customer Answer

  Date: 01/15/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Still relaying a very one sided version of the conversation. At this point, I’ll move on and take it further on my own accord with legal help. 

  
  Regards,
  
  ******* ****
  
  
  
  

  
  

• Initial Complaint

  Date:12/30/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a voicemail today for the first time from someone named Mrs George. My son, husband and other family members received calls from her as well with some forwarding the voicemails to me. I understand legally you can contact my husband but I did not give information for any of my family members or friends. I am not certain where this company has mailed any correspondence to but I have not received anything. PLEASE cease and desist contacting me or my family via phone. Only contact me via mail. If you continue to contact my family members we will be looking for legal representation.

  Business Response

  Date: 12/31/2024

  Dear Sir/Madam,
  We have received a delinquent Balance Credit account in our office December 5th, 2024.  At that time, we sent out a 30 day letter to Ms. *** at her mailing address of *** ******* **** *** ******* ** *****.  We also sent an email to her email listed of ********************.  We did attempt to contact her via phone on December 30th, 2024 and left messages in hopes of getting in contact with her to discuss this matter.  We then received an email in the afternoon asking us to Cease & Desist contact her and the account was notated and moved to Cease & Desist.  There have been no further attempts nor will they be at contacted Ms. ***.  I did give her our portal information should she wish to go on and pay her delinquent balance.  
  
  
  Sincerely,
  
  Compliance Department

  Customer Answer

  Date: 12/31/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  You did not mail a letter and the first email ever received by you was yesterday when you responded to my cease and desist request. My complaint is not with the debt. That is a separate issue I will address directly. My complaint is with your practices. I am not sure if you’re submitting misinformation knowingly or unknowingly. Maybe your system states you sent correspondence but it was not sent to me in reality. You’ve contacted numerous family members of mine as well. None of which were ever on any documents you have from me. This seems to be a common occurrence with your organization. An attempt to intimidate or shame the person into paying you. Please refrain from doing that in the future and adhere to my cease and desist. 
  
  Regards,
  
  ****** ***
  
  
  
  
  

• Initial Complaint

  Date:12/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has called my relatives and I want all those calls to be halted immediately. I can be contacted by my email or postal mail only.

  Business Response

  Date: 12/17/2024

  Dear Sir/Madam,We have received a delinquent **** ***** account in our office on November 29th, 2024, for Ms. *******.  We sent out a letter as well as an email to the mailing address and email listed as Ms. *******.   On December 16th, 2024, we attempted to contact Ms. ******* since we have not heard back from her at this time.  There has only been one attempt made to contact her via phone.  At this time, I have updated her account with a Cease and Desist and notated that the account is not going to be taken care of at this time.  If Ms. ******* does decide she wants to handle the account, she can either contact our office or go on our website and portal to make payment. Sincerely, Compliance Department