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:04/12/2025

  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.

  For months, I had a dispute with the school on the amount owed. Once that was determined, I started paying the Loan with Zuntafi Student Loans entity who I signed a contract with for an account ending in ***** Zuntafi Student Loans charged the incorrect amount and to cover up their mistake they transferred the missing part of my loan to another entity in their company that had worse repayment terms than the one I agreed upon with the Student Loan entity. For example, the student loan side payments were 72 a month over the span of years which is normal in the Student Loan space. The Consumer Services entity sent a bill for like $500 a month for 12 months which I never signed up for or would have agreed to being a student. I never had a contract or signed anything with Zuntafi Consumer Services which is a different company. I am requesting that they verify the correct balance owed with the school and provide me with the Student Loan terms that were agreed upon when taking the loan. Even if that means 2 Student Loans. I should not have to pay 2 different companies monthly especially if I never signed anything with that company. 

  

  Business Response

  Date: 04/22/2025

  ZuntaFi is
  currently managing two accounts for the consumer; (i) loan from the originating
  lender certified for cost of attendance and (ii) a balance owed to the school
  for the cost of attendance that exceeded the initial loan. ZuntaFi previously
  received a refund from the school in the amount of $18,000 to be applied to the
  loan from the originating lender.  The refund was received and applied
  effective 12/21/2023.  ZuntaFi has requested and received an account
  statement from the school of which additional time is needed to evaluate and
  investigate the consumers complaint.  

  Customer Answer

  Date: 04/22/2025

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because: There was no additional amount that exceeded the loan as I was in school for only a couple months and not the 12 months that was listed for the program. The balance owed should have all been handled by the student loan department and not a consumer account that was never opened by me. 
  
  

  

  Business Response

  Date: 05/05/2025

  Our office has completed an
  investigation of the complaint submitted to our office by the consumer. ZuntaFi
  is the loan servicer and is currently servicing two accounts for the consumer related
  to their attendance at US Aviation Academy: 
  (1) a student loan funded by the originating lender and (2) a separate
  account reflecting a balance owed directly to the school for their enrollment
  period that was not paid with the student loan.  Both accounts are serviced by ZuntaFi and
  handled by separate departments; (1) student loan department and (2) consumer
  loan department.

  
  As part of the complaint
  investigation, ZuntaFi requested and received a copy of the transactions and
  adjustments to the consumers’ account for the enrollment period.  In review of the transactions, the school
  completed an adjustment to reduce the amount owing on the consumer’s account balance
  owed directly to the school in July 2024; 
  however, the school confirmed they erroneously failed to notify ZuntaFi
  of that adjustment.  As a result, ZuntaFi
  has been asked to complete an adjustment to reduce the balance on the account
  owed directly to the school by $1800. 
  After the adjustment has been completed, the consumer will receive
  confirmation from ZuntaFi.

  If the consumer is currently
  facing financial difficulty and wishes to discuss alternative payment
  arrangements; we encourage them to contact our office to discuss available
  options for each of their accounts.

  Customer Answer

  Date: 05/05/2025

   
  
  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:04/11/2025

  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.

  I AM NOT LIABLE FOR THIS DEBT WITH ARISING IMAGES. I DO NOT HAVE A CONTRACT WITH ZUNTAFI, THEY DID NOT PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT AS REQUESTED.

  Customer Answer

  Date: 04/14/2025

  I would like this account be removed from my credit I have asked for documentation, I have never received from the original creditors and the creditors who has sent emails about a debt. I would like a copy stating I contracted with zuntafi or I would like this removed immediately because I never contracted with zuntafi. God bless if you have any questions or concerns my contact number is *** *** ****.

  

  Business Response

  Date: 04/21/2025

  Our office has completed an
  investigation of the complaint submitted to our office by the consumer. ZuntaFi
  was the loan servicer for a
  
  loan obtained
  to finance a product or service with Arising Images on 3/04/2022. 
  ZuntaFi had communication with the consumer twice in September 2022, where the
  consumer acknowledged the past due balance and inquired about the late fee.  Payments have been received on the account
  from a card matching the consumer’s name.
  Prior to the complaint, our office received a dispute from the consumer
  and a copy of their promissory note was provided.
  On 4/11/2025, a notice was
  sent to the consumer regarding the transfer of their account to CadleRock Joint
  Venture, L.P. for servicing. Should the consumer have any questions or concerns
  regarding their account, we have provided CadleRock’s contact information
  below.
  
  CadleRock Joint Venture, L.P.
  *** ***** ****** ******
  Newton, Falls, OH 44444
  800-827-0918

• Initial Complaint

  Date:11/08/2024

  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.

  Under the doctrine of Estoppel by silence, ********** * ******* (MO) 281 sw 715, 719, I may presume that no proof of the debt, nor therefore any such debt, in fact exists. I an not liable for any such debt with the creditor Zuntafi Corp. I do not have a contract with zuntafi corp. They did not provide me with original contract with my wet signature attached as requested.

  

  Business Response

  Date: 11/18/2024

  Our office has completed an
  investigation of the complaint submitted to our office by the consumer. ZuntaFi
  is the loan servicer and handles the billing and other services related to
  repayment of your account after your financing was approved by the lender for
  the product or service you financed at ****** ********.   This information can be found on the loan
  documentation that would have been provided when the consumer applied for
  financing.
  

  When previously discussing the account with the consumer, ZuntaFi
  did not receive a request for loan documents; however, in response to the
  complaint, ZuntaFi provided consumer with the debt validation materials along
  with a payment history. We encourage the consumer to reach out to our office
  after reviewing to answer any further questions regarding the account.  The customer service phone number is ###-###-####.

  Customer Answer

  Date: 11/18/2024

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I have not ever paid anything to any accounts they are stating belongs to me and I have already filed for identity theft 
  
  
  
  Sincerely,
  
  
  
  ******** *******

  

  Business Response

  Date: 11/19/2024

  ZuntaFi has not received
  Identity Theft documentation the consumer indicated they had provided. Please
  provide the documentation to ZuntaFi to begin the identity theft investigation. Please complete and return the requested information below to ZuntaFi:
  

  Report the identity theft to law enforcement; and
  Complete the Federal Trade Commission identity theft report at ********************** *** 
  Provide the completed identity theft report and a copy of the police report to ZuntaFi
  
  The requested information can be mailed to:
  ZuntaFi
  *** First Ave Southwest
  Aberdeen,
  SD 57401-4104

• Initial Complaint

  Date:11/05/2024

  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.

  02/0102023 We took a credit card offer that was @ 6 month no interest deal in which we spent 2500 of a 5000 credit allowed and paid in full the amount shown in documents and they are saying we still owe it

  

  Business Response

  Date: 11/08/2024

  Our office has completed an
  investigation of the complaint submitted to our office by the consumer. ZuntaFi
  is the servicer for a credit card the consumer obtained through *********** PayCard. Per the statement provided from the consumer for billing period
  of January 1, 2023, to January 31, 2023, it indicates an outstanding balance, a
  partial payment received, interest charged, and the remaining balance.  The additional statements provided by the
  consumer for billing periods of 2/1/2023-2/28/2023 and 3/1/2023-3/31/2023 show
  no payments were received to cover that remaining balance. If the consumer has
  documentation of payment made after January 31, 2024, we encourage them to
  submit it to our office for further investigation.

• Initial Complaint

  Date:09/30/2024

  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.

  Account Name: ZUNTAFI CORP
  Account #: *******
  
  ZUNTAFI CORP, furnished alleged transactions on my Experian report that they identified as late payments. Transactions between May 2023 and September 2024 were all reported as late payments.This company is in clear violation of the law. Under 15 U.S. Code § 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES:
   
  (a)In general
   
  Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
   
  (2)
  In accordance with the written instructions of the consumer to whom it relates.
   
  Did I give ZUNTAFI CORP written instructions to furnish this account on my credit report? No.
  
  Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a(2)(i) clearly states:
   
  15 U.S. Code § 1681a - Definitions; rules of construction
  
  (2)Exclusions.—Except as provided in paragraph (3), the term “consumer report” does not include—
  (i)
  report containing information solely as to transactions or experiences between the consumer and the person making the report;
   
  My transactions and experiences with ZUNTAFI CORP are excluded from the consumer report. ZUNTAFI CORP has no right to furnish my transactions and experiences with them when the law clearly states that this information is excluded from my consumer reports.
  
  
  There is more but I don't have enough characters to list all the laws they violated in regards to my consumer report. I am requesting a deletion of the account:
  
  Account Name: ZUNTAFI CORP
  Account Number: *******

  

  Business Response

  Date: 10/10/2024

  Our
  office has completed an investigation of the complaint submitted to our office
  by the consumer. ZuntaFi is the  servicer
  for a retail installment contract the consumer obtained to finance a product or
  service with *** * ** *. During the application process the consumer provided
  permissible purpose to access their consumer report and authorized data
  furnishing to the consumer reporting agencies. 
  Consent was provided on 06/22/2023.  ZuntaFi
  provided the consumer with the ZuntaFi privacy notice in the initial
  communication. As outlined in the privacy notice, the Consumer is unable to
  restrict the sharing of information for everyday business purposes. If the
  consumer would like a copy of the ZuntaFi privacy statement, they may view a
  copy at zuntafi.com or call ***** *********
  If the
  consumer has any questions regarding the investigation, we encourage them to
  contact our office. 

• Initial Complaint

  Date:09/23/2024

  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 am writing to urgently address inaccuracies on my credit report due to the unauthorized sharing of my personal information with credit bureaus, which has caused considerable financial and emotional distress.
  
  According to 15 USC 1681 Section 602, I am entitled to financial privacy, and my information should be kept confidential.
  
  Additionally, 15 USC 1681 Section 604(a)(2) states that no consumer reporting agency can disclose account information without my explicit consent, which I have not provided.
  
  The discrepancies associated with ZUNTAFI have negatively impacted my financial status, and I request immediate correction.
  
  Furthermore, 15 USC 1666(b) prohibits creditors from marking credit card payments as late under specific circumstances.
  
  For reference, my account details are as follows: Account Number: **************
  
  Please review my account promptly and rectify these errors as required by law.
  
  Failure to address this matter may result in legal action. I expect a swift response and resolution.
  
  Sincerely,
  ****** ******

  

  Business Response

  Date: 10/03/2024

  Our office has completed an investigation of
  the complaint submitted to our office by the consumer.  ZuntaFi is
  the loan servicer for a loan the consumer obtained for cost of attendance at **** ***** ********** for the school term 08/18/2014 – 05/02/2015.  During the application process the consumer
  provided permissible purpose to access their consumer report and authorized
  data furnishing to the consumer reporting agencies.  Consent was provided on 08/05/2014 at
  9:51AM.   
  

  As outlined in the
  privacy notice, the Consumer is unable to restrict the sharing of information
  for everyday business purposes. If the consumer would like a copy of the
  ZuntaFi privacy statement, they may view a copy at zuntafi.com or call ***** *********
  

  If the consumer has
  any questions regarding the investigation, we encourage them to contact our
  office.
  
  
  

• Initial Complaint

  Date:07/07/2024

  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.

  Started a Caribbean School, University of Health Sciences for medical school. The medical school is closed. Have not heard anything from the school. Paying Zuntafi $150,000 in student loans for a school that doesn’t exist with its headquarters in Puerto Rico. Not sure where to turn to. I need assistance.

  

  Business Response

  Date: 07/19/2024

  ZuntaFi
  is the loan servicer and is not affiliated with University of Health
  Sciences.  In reviewing the account, the last date of attendance reported
  by the school for the student was 5/25/18.  ZuntaFi has not received
  notification the school is closed. ZuntaFi was able to locate the following
  contact information for the school: ###-###-#### or Admissions: **********@uhsa.edu.ag.
  We encourage the consumer to contact the school for any school-related
  questions. 

• Initial Complaint

  Date:07/03/2024

  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 was advised by my dealership that this company helps build credit. I received a letter in the mail stating I took out a loan. I immediately called and spoke to representative which she emailed me a copy of the promissory note. I advise her to put a stop on the check that was given to the dealership. The representative ensures me that the check will be voided. The loan payment is on my credit and tremendously hurting my credit score.

  

  Business Response

  Date: 07/25/2024

  Our office has completed an
  investigation of the complaint submitted to our office by the consumer. The
  loan serviced by ZuntaFi was obtained to finance a product or service with ** ******. ZuntaFi did not originate the loan and is not  affiliated with ** ******. ZuntaFi is the loan
  servicer and handles repayment of the loan after financing was acquired. Upon reviewing the
  consumer's account, the consumer contacted ZuntaFi on 09/22/2021 and indicated
  they were under the impression they did not obtain a loan, rather they were
  told the company would do something to help fix their credit.  ZuntaFi provided the consumer with loan
  details. The consumer indicated they are required to make a monthly payment to ** ****** and now this loan.  The
  consumer inquired about cancelling the loan. 
  ZuntaFi advised the consumer to contact ** ****** regarding their refund
  policy. ZuntaFi confirmed no refund or loan cancellation was received on the
  loan; however, has escalated the consumer complaint to the program
  administrator for additional investigation. If the consumer has documentation from ** ****** to support a
  refund or loan cancellation, we encourage them to provide that documentation to
  ZuntaFi for reinvestigation

• Initial Complaint

  Date:06/26/2024

  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 took out private loans in 2003. I was given the paperwork by the college, however recently the dept of education ruled that my college was a Predatory college and forgave my federal loans underthe borrower'sdefense. After reviewing the holder rule, my private loans should be forgiven and I should have a refund. The college had provided me with the laon paperwork and I had turned in the loan paperwork to my financial aid advisor at the school. Since there was a clear relationship between the college and the private loan company I meet the requirements of the hold rule, since the college was fraudulent. ZuntaFi is refusing the provide proof as to why they believe my loans do not qualify for the holder rule.

  

  Business Response

  Date: 07/05/2024

  We are currently conducting an investigation into the consumer's claims and require additional time for the process.

• Initial Complaint

  Date:12/20/2023

  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 recieved a letter in the mail stating that this company had been trying to reach me, but had the wrong address, the address given one I've never known, in the letter it was stating that i owed $15,000 odd number amount in the form of a student loan, in which I know for a fact isnt true, I called and was transferred over to someones voicemail, this is really scary for me because I've been recently working on my credit, please help, what would be my next step?

  

  Business Response

  Date: 12/28/2023

  ZuntaFi has conducted an investigation of the complaint
  submitted by the consumer.  The private student loan serviced by ZuntaFi
  was obtained by the consumer for the cost of attendance at American
  Intercontinental University-Dunwoody for the school term 01/13/2003 –
  08/23/2003.   
  
  Effective 08/31/2020, Reunion Student Loan Finance
  Corporation rebranded to ZuntaFi.  Notification was provided to the
  consumer.  If the consumer would like to receive validation of the debt,
  we encourage them to contact our office.