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Business Profile

Consumer Finance Companies

Cactus Credit

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

This business has 1 alert

Complaints

Customer Complaints Summary

  • 62 total complaints in the last 3 years.
  • 1 complaint 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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:09/09/2024

    Type:Billing Issues
    Status:
    Unpursuable
    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 dispute unauthorized inquiries on my credit report that I believe are the result of identity theft. I have filed a complaint with IdentityTheft.gov regarding this matter, and I am enclosing copies of that complaint along with any supporting documentation.The unauthorized inquiries in question are:Creditor: XACTUS Date of Inquiry: 10/18/2022 These inquiries were not authorized by me, and I request that you remove them from my credit report immediately. The presence of these inquiries is causing undue harm to my credit score and financial reputation.Please confirm receipt of this letter and provide me with a response outlining the actions taken regarding these unauthorized inquiries.Thank you for your prompt attention to this matter.

  • Initial Complaint

    Date:16/02/2024

    Type:Product Issues
    Status:
    Unpursuable
    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.
    Company was suppose to consolidate my credit cards and loans. Was told I have to pay a processing fee of $1000. Now company is out of business and I can't get ahold of them to return money. Nothing was done on their end except for take the money.

  • Initial Complaint

    Date:28/12/2023

    Type:Service or Repair Issues
    Status:
    Unpursuable
    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.
    Ive been paying cactus credit over the past year and they up and disappeared within the last few months without helping me fix my credit. Ive been trying to reach them but it looks like theyve closed down. Ive payed quite a lot to them and am panicked. Please helpb

  • Initial Complaint

    Date:21/12/2023

    Type:Product Issues
    Status:
    Unpursuable
    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 a customer of ********************** relief They were helping with my debt. I paid them two hundred and sixty two dollars and thirty four cents out of fifteen hundred Now I cannot get ahold of them. Phone number no longer in service And website not working I'm filing a complained to get my $262.34 back.

  • Initial Complaint

    Date:11/12/2023

    Type:Product Issues
    Status:
    Unanswered
    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.
    Oct 23 2023 I contacted Catcus Credit- I have since wanted to cancel my agreement with them as I did not provide them with the info they needed as I had a change of heart- I didnt feel comfortable with them once we spoke They took the ****** out of my account on Nov ******* There is no way to reach these people there phone numbers are "not *********** the links on the emails I have rec'd go to error code- I believe they are scammers regards *****************************

  • Initial Complaint

    Date:08/12/2023

    Type:Product Issues
    Status:
    Unanswered
    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 found out today from going online. This company has shut its doors as of November 17th. that was the same day. They sent me all my paperwork for a service. I purchased which was credit repair. they withdrew the money November 15th.* ******* **** ********* *** **** *************

  • Initial Complaint

    Date:01/12/2023

    Type:Customer Service Issues
    Status:
    Unpursuable
    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.
    Cactus credit called me and I agreed to have my credit score worked on, payed money up front and have had payments coming from my account actively and no one will contact me , all emails get sent back, phone number is cut off.. *** **** ***** ********* ** * *** ******* ** * ********* Please help. Thank you

  • Initial Complaint

    Date:23/11/2023

    Type:Product Issues
    Status:
    Unanswered
    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.
    Hi I signed up with Cactus Credit, **** **** ***** * ******** ********. Their business now says closed and thier number is disconnected. Can they still take money out? why did they sign me up when they knew they were closing the company?

  • Initial Complaint

    Date:23/11/2023

    Type:Product Issues
    Status:
    Unanswered
    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.
    Within 24hours of signing up I had buyers remorse and called them. Told them I could not afford program at the time they convinced me to wait a couple of weeks to give it a chance. Called and emailed a few weeks later and was told I could not turn back. They took their first payment on October 27th and the took a second payment unauthorized on nov 10th. Called them and told them to put my money back. They asked me to wait until Nov 15th for them to investigate. Called back phone stated to check number. Have tried calling ******* ********* and ****** all phones out of service stopped payment for upcoming payment on the 28th but now hearing through customer complaints they will try different amounts. Website says ********* permantly closed.

  • Initial Complaint

    Date:20/11/2023

    Type:Product Issues
    Status:
    Unanswered
    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 talked to them about a consumer proposal, they took the first two payments of $174.83 each, so they could start the process. Each month after that is supposed to be 148 I believe. I've been unable to get in touch with them, they're not answering texts or emails. Also unsuccessful on the phone and actually today the recording says that the number is not listed anymore. I'm hoping you can help me, I really couldn't afford that money and I have no heat right now since my hydro is off

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