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:09/20/2022

  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.

  Sent OFFICIAL CANCELLATION NOTICE
  For: #*******
  8-28-22 TO: ********************
  Because: Did NOT Take ****************** PRODUCT
  Have NOT Had ANY WORK DONE
  & ****************** did NOT Make DISCLOSURE
  Re: RISK factors until AFTER!!!
  If had known All this from "BEGINNING " would NEVER signed with them
  But zuntafi(finance co.) *Continues to send me "texts"
  For "Payment"*** BUT NO SERVICES Was rendered/
  Performed!
  I do NOT Owe them anything
  & zuntafi has "Threatened" to turn acct # ******* over to "Credit REPORTING Agencies
  If I do Not pay them $*******!!!
  For: NO SERVICES Performed/DONE!!!
  I am asking that acct#******
  Be Rendered NULL & VOID IMMEDIATELY & ALL ACTION CEASE!!!
  

  

  Business Response

  Date: 09/30/2022

  Business Response /* (1000, 5, 2022/09/30) */
  ZuntaFi has completed an investigation of the complaint submitted by the consumer. ZuntaFi is the loan servicer and handles the billing and other services related to repayment of the consumer's loan after their request for financing was approved by the creditor and the financed amount was sent to the company for the requested product or service. In review of the account, ZuntaFi began servicing the loan on August 16, 2022. On August 29, 2022, the consumer contacted ZuntaFi regarding the cancellation at which time ZuntaFi advised the consumer to contact *********************** regarding availability of cancellation. ZuntaFi is not affiliated with ***********************, therefore has no authorization to cancel a loan or speak with their office regarding the consumer's product or service. We again encourage the consumer to contact *********************** to discuss concerns regarding the product or service directly with their office.
  
  
  Consumer Response /* (3000, 7, 2022/10/07) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  See "case description (in COMPLAINT) for more *details)
  AGAIN Reiterating: NO SERVICES Was PERFORMED (On Me)!(by ******************)
  Did NOT Take (******************) PRODUCT!
  (******************) did not DISCLOSE RISKS INVOLVED Until AFTER (With "INSTRUCTION Sheet")
  Note: informed ****************** ALREADY
  Of "SAME":SENT OFFICIAL CANCELLATION NOTICE
  For: acct# *******@ zuntafi
  NOTE: Do Not have CEO (Person in CHARGE AUTHORIZED To make DECISIONS) Contact: Name phone # for ******************* ??**NOT given @ ****************** *Website
  NOTE: zuntafi says"has NO Authoriization to *Cancel loan Or "Speak with * ******************
  Re: consumer's Product or Service
  zuntafi is "passing the buck" to ******************* ***REFUSES To CONTACT ******************
  ***zuntafi HAD To CONTACT *******************
  To MAKE The Loan!!!
  So...What are *Other RECOURSES To CANCEL This acct#******* MAKE "NULL & VOID!!!"
  
  
  Business Response /* (4000, 13, 2022/10/25) */
  ZuntaFi did not make the loan. ZuntaFi is the loan servicer the handles the monthly billing and other services related to repayment of your loan. Disputes regarding a product or service with *********************** must be directed to their office. Please contact the *********************** office where you received your product or service.
  
  Consumer Response /* (4200, 19, 2022/12/02) */
  I received an email from ******************, indicating they would send a refund to ZuntaFi. Please see email chain below. I am still seeking a billing adjustment, please.
  
  From: Geraldine ******* <******************>
  Sent: Friday, December 2, 2022 1:07 AM
  To: Mary ***** <*******************>
  Subject: Fwd: CANCELLATION NOTICE For #******* Geraldine *******
  
  Pls excuse me for just getting back to you. However was waiting until ******************* HONORED/DID What ****************** said they WOULD DO In **** email to me 9-28-2022!
  ie * RETURN (finance Co.) Zunta Fi $Money!
  Note( sending you *Copy of ****************** **email to me
  Dated: 9-28-2022)
  Thinking ****************** Had RETURNED Zuntafi $Money as ****************** SAID!..
  INSTEAD I received *Letters(2) from zuntafi 11-12 & 11-13-2022
  Saying" $ STILL OWING
  & Zuntafi has given a "Bad Report" to "Credit agencies " on Me!*********
  ...So pls see if (in addition to:)
  File COMPLAINT AGAINST ******************
  What is "Next BEST Step??"
  & Proceed from there...
  What do you SUGGEST??
  As I had "held off filing Complaint for ******************
  Because...****************** in their *email (9-28-22) said"was giving zuntafi $Money back!
  So...I owe zuntafi 0(NOTHING!)
  Because...I did NOT *RECEIVE or *USE ****************** PRODUCT
  ***AFTER Seeing Possible HARM!
  DANGEROUS PROCEDURE!
  ****************** would take *NO RESPONSIBILITY FOR!
  DECEPTIVE PRACTICES!!!
  That Was NOT MADE AWARE OF
  Until *At the *End when received
  ****************** "*INSTRUCTION Sheet!"
  Because..I **did NOT Have "FULL DISCLOSURE " From ****************** Re: RISKS! INVOLVED
  Note: sent *zuntafi *email from ******************* stating:
  " finance Co. Zuntafi should EXPECT REFUND *Within *30 days
  of *Receipt of email dated 9-12-22
  ...which zuntafi *acknowledged
  *Receiving by sending me * email stating: I would NOT get Any More "NOTICES" (RE: Non Payment)from **Zuntafi....YET Received (2) Letters
  From Zuntafi dated 11-12 &11-13-2022 stating: Owe Zuntafi $Money!
  
  THANK YOU! For Your Help!***
  
  ---------- Forwarded message ---------
  From: Geraldine ******* <******************>
  Date: Thu, Dec 1, 2022, 10:06 PM
  Subject: Fwd: CANCELLATION NOTICE For #******* Geraldine *******
  To: <******************>
  
  
  ---------- Forwarded message ---------
  From: ****************** <***************************>
  Date: Wed, Sep 28, 2022, 3:13 PM
  Subject: Re: CANCELLATION NOTICE For #******* Geraldine *******
  To: Geraldine ******* <******************>
  
  Dear Ms. *******,
  
  I received your email and forwarded the email to our owners. They have reviewed your message as well as your files.
  
  Typically, based on the order form you filled out and signed with Kevin in your home, we offer a full refund if the procedure is cancelled up to 5 business days prior to the scheduled procedure, which would have been a cancellation date of 8/22/2022 or before. We did not receive notice within that time frame. However, our owner team has decided to refund the full amount, despite the delay in notification.
  
  We have, since the day the nurse attempted to come to your home, tried to contact you multiple times regarding your cancellation with no response. Please understand that because the cancellation did not take place in the agreed upon time frame, the refund will take a bit to process but we have already begun that process and you should expect a refund, to the financing company, within 30 days of the receipt of the below email, dated 09/12/2022.
  
  Please call ************ if you have questions regarding the process. We would be happy to speak with you and offer any clarifications.
  
  
  P: ************
  
  W: **********************
  
  E: ***************************
  
  
  
  On Mon, Sep 12, 2022 at 4:37 PM Geraldine ******* <******************> wrote:
  I am sending Following info to you Because: When sent email to:
  ****************** Re: CANCELLATION NOTICE
  #*******
  email "CAME BACK" Saying
  INVALID ADDRESS & NO DOMAIN FOR **********************
  Note:"SAME" For **************************** (Kevin ******)
  Education Officer...listed on Kevin ****** "business card "gave me
  Note: Kevin ** Did "paper work" for #*******
  (************)
  KINDly get this Information to
  Those"IN CHARGE" Of CANCELLATION NOTICE
  @ ******************
  & ASK To :Send TO:
  *ZUNTA-FI*
  John ***** VP Loan Servicing
  ************
  
  Chelsei *****(Customer Service)
  ************
  email: ********************
  
  **That # ******* *IS/ Has Been
  CANCELLED
  Thank you
  Geraldine *******
  
  Note: This is copy of email sent to ****************** & ****************************
  That "came back " saying
  " Invalid address "& "No domain for"
  Hello My Name is Geraldine ******* acct.# *******
  & This is my *OFFICIAL *CANCELLATION Of the Policy #******* dated: 8-28-22
  Due to "LACK Of DISCLOSURE"
  That I *Only received upon Receiving the "INSTRUCTION Sheet"
  Which was Given *AFTER the Contract Commenced;
  I am REQUESTING The Account &
  ALL LIABILITIES(ATTACHED)BE
  CANCELLED
  (IF) The DISCLOSURES HAD BEEN GIVEN BEFOREHAND I Would have NEVER Signed Up for These services!!!*************************** I Find this "PRACTICE" To BE DECEPTIVE * PARTICULAR ***********!
  Therefore Please CONFIRM The IMMEDIATE CANCELLATION Of this Account #******* & ALL LIABILITIES ATTACHED TO This Contract
  
  
  Business Response /* (4000, 21, 2022/12/09) */
  ZuntaFi is the loan servicer for the creditor of the loan and is not affiliated with ******************. While the complaint is not about ZuntaFi, we again escalated the concern to the creditor and received the following response:
  "********* will fully refund this patient even though they have a signed agreement that states there are no refunds after 5 days and her request was much later than this. The issue is the patient will not respond to any communication and has not signed the release so they can issue the refund. She won't accept calls or return messages. They have sent emails that she has not responded to. If she will simply call this group back and sign the release, they will refund her immediately."
  
  ZuntaFi recommends the consumer contact ******************.

• Initial Complaint

  Date:07/19/2022

  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 refinanced a student loan I had through Zumba Fi with an outside company. Upon them receiving payment for the loan in full according to my statement, they took the amount owed for collection fees and turned it into a principle balance and is charging interest on that money owed. A collection fee is a charge for the collection term and was not financed to me. This transition is not part of the agreement we had, and I am not sure they are able to charge interest on money that was not financed to me.
  

  

  Business Response

  Date: 08/15/2022

  Business Response /* (1000, 8, 2022/08/02) */
  ZuntaFi has completed an investigation of the account for the complaint submitted to our office. In review of the account, the consumer completed the rehabilitation program to resolve the default on July 5, 2022. The amount owing as of the June 30, 2022 statement was $*********. ZuntaFi received a consolidation payment on July 18, 2022 for $*********. Per the terms and conditions of the signed promissory note, payments are applied in the following order: fees, accrued interest and then principal. In review of the account, the payment was applied per the terms and conditions of the promissory note. Any fees assessed due to delinquency or default are not part of the principal balance, therefore interest does not accrue on the fee balance.
  
  The payment application process is described in each monthly billing statement, within the borrower portal and within the terms and conditions of the signed promissory note. If the consumer has any additional questions regarding the payment application, we encourage them to contact our office.