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:01/07/2024

  Type:Product 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.

  Date of the transaction:June 27, 2023 The amount of money you paid the business:$666.9 in bi-weekly payments What the business committed to provide you:Spring Financial committed to improving my credit score through their Foundation program. They also promised that all money paid would be refunded after one year and that I would receive an additional loan.What the nature of the dispute is:Despite paying $666.9 over the course of the agreement, I was only refunded $24.16. This is significantly different from what was promised. Additionally, the contract provided by Spring Financial was presented as a mere formality for audit purposes, which contradicts the assurances given by their financial advisor, Mr. ******** He explicitly stated in our conversation that all funds would be refunded after one year and that I would receive an additional loan.Whether or not the business has tried to resolve the problem:Spring Financial has not adequately resolved the problem. While they offered a refund if I did not understand the product, they have not acknowledged the discrepancies between their promises and the contract terms.If the issue involves advertising, when and where the ad was seen or heard:The misleading advertising was presented in initial communications and marketing materials provided by Spring Financial.

  Business Response

  Date: 02/07/2024

  Hello ********,
  
  Thank you for providing feedback as we take these types of complaints very seriously. As previously stated in your email communication with our Customer Success Supervisor we will be reimbursing your payments in full.
  We apologize that your experience with us was anything less than positive. Additionally,  we have forwarded your file over to the quality assurance team to make sure all the necessary actions are taken to the agent/s in question.
  
  I hope this clears out your concerns, if you have further questions, please feel free to reach out.
  
  Best regards,
  
  Nat - Customer Sucess Manager
  *****************************************

  Customer Answer

  Date: 02/07/2024

   
  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:27/06/2024

  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.

  I was conned into an account with ******************** after they led me to believe that I would get a loan right away. I paid into it until I realized they were conning me. I asked them to cancel. I stopped paying. It took them 16 months to cancel as I kept insisting that I DID NOT want this account. They ended up sending me an extremely small portion back, not as expected. I did not realize at the time that they registered me as delinquent with the ************* for all the months I was suppose to be canceled. I did not know this until recent. This is severely affecting my credit score and there is no way of getting in touch with them. Phone number has been cancelled. I am now left with a bad credit rating from a company that promises to "fix" your credit rating. They lied. They are scammers. They use brutal tactics and direct lies to get you to sign up. I need them to retract the "delinquencies" off my credit report.

  Business Response

  Date: 03/07/2024

  Hi ****,
  
  Thanks for speaking with us today, July 3rd, 2024. If you have any further questions, please don't hesitate to contact us directly.
  
  Thank you,
  Nat - Customer Success Manager
  *****************************************

• Initial Complaint

  Date:27/06/2024

  Type:Service or Repair 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.

  I applied for a loan from spring financial, in doing so, I inputted my bank details for verification of income. They declined the loan, yet proceed to say I signed up for their foundation program. The same hour in realized they took money from my account of about ************************************************************************************* but they only said they would refund ten dollars, which I'm still actually waiting for. I told them it must be an error and all they did was close my foundation account and said they would refund 10 dollars of the 75 or whatever it was. I don't believe them and think they are a scam company. I'm not the first person complaining about it as I've read other people having that same issue. Please help

  Business Response

  Date: 02/07/2024

  Hello ******,
  
  We apologize if your experience with us was anything less than positive. I had our ***************** team to review all points of contact, eg; emails, phone calls, text messages and live chat transcripts, on several contact information that we have on file, to address your concerns accordingly. We have also tried contacting you multiple times but it seems like every call we have had were disconnected from your end.
  
  On May 28th, 2024, you were declined for the personal loan you initially applied for. It directed you to apply for ************** online if you were interested, having to choose from: Foundation basic, basic plus, gold or gold plus. Please note, you would need to confirm and click three different buttons to confirm what you are applying for and it seems to be that you confirmed everything and finished up your application. This is the only way we can activate an account under your name. ************** is a credit building product which we report your payments back to the credit bureaus to help you establish a good credit history and is an optional product that you can request to cancel at any point.
  
  You have requested to cancel your account on June 7th, 2024 by speaking to one of our ****** care agents over the phone. You were advised that it will take 5 business days from your last payment to fully close your account. This way, any payment/s that is pending can be fully processed first before closure. Your account has been closed since June 14th, 2024. However, in this matter, we cannot be able to offer you any refund as for you were only scheduled for 1 payment and missed that payment. Therefore, we did not at all receive anything from your end hence why there will be no funds to return. We will email you a confirmation for both: closure confirmation and payment history showing the missed payment and this will be sent to the email we have on file. Your account will be reported as closed-paid off positively under your credit file. Please note that it takes ***** days for the credit bureau to update that on their end.
  
  We are sorry to see you go and we understand that this product might not be up to your liking, however if you want to re-apply and start building your credit again, please do not hesitate to contact us! Should you have any questions, please feel free to start a chat with us on our website: springfinancial.ca and an agent can be able to assist you! We appreciate your feedback and Thank you for bringing this to our attention as **************** is important to us!
  
  Thank you,
  Nat - Customer Success Manager
  *****************************************

• Initial Complaint

  Date:26/06/2024

  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.

  Applied for loan online. Was declined via text message. Then started receiving a deluge of texts asking me to provide further info for loan approval. Then they said I was approved for a credit building product called the foundation and sent a contract to sign digitally.. however they set the payment date to a time before I even received my cheque so I ended up accruing nsf fees. I tried to phone them but that number is defunct. I texted them to cancel account to no avail. THEIR LISTED ADDRESS IS AN EMPTY OFFICE!

  Business Response

  Date: 28/06/2024

  Hello *******,
  
  We tried reaching out a few times, but it seems that you were unavailable each time.
  We appreciate your feedback as customer service is very important to us. We have forwarded your file over to the quality assurance team and any necessary actions will be taken to the agent/s in question.
  
  Please note that you have signed up for the Foundation via our online application. The Foundation is a credit building product and the first thing we are doing for you is showing the credit bureaus that you have a new tradeline in your name. Each month as you make your payments towards *************** we will send 100% positive reports to the credit bureaus. However this is a completely optional product that you can cancel at anytime. Cancellations are handled over the phone and we have tried reaching out at least 3 times but we are unable to connect with you.
  
  Please let us know the best time to give you a call so we can assist you with the cancellation.
  
  I hope this clears out your concerns. If you have further questions please let us know!
  
  Best regards,
  
  Nat - Customer Success Manager
  *****************************************

• Initial Complaint

  Date:19/06/2024

  Type:Service or Repair 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.

  June 18, 19, 2024; applied for loan, was preapproved for loan, was lied to about amount I was approved for. When i sought details about it, i.e. interest rate, payment, i was told could not convey information due to "provincial legislation" changes

  Business Response

  Date: 26/06/2024

  Hello *****,
  
  Thank you for taking the time to leave your concerns, as customer service is very important to us.
  Based on your current credit situation, we were not able to get you approved for one of our lower-interest-rate loans, and we currently do not have a license to service one of our higher-interest loans in your province. However, If you'd like to sign up for our optional Credit Building product, the Foundation, please feel free to visit our website and fill out the application!
  
  Additionally, we have submitted a ticket with the credit bureaus to have your credit check removed from your file. Please keep in mind this can take ***** days to see the changes on the credit bureaus as the changes are completed through Transunion and Equifax
  
  We apologize for the inconvenience. If you have any further questions or concerns, please feel free to contact us!
  
  Thank you,
  Nat

  Customer Answer

  Date: 26/06/2024

   
  Complaint: 21872698
  
  I am rejecting this response because:

  none of the content in the response from Spring was ever conveyed to me. The second last email I received from *** told me I was approved for up to $15,000 cash. It was only when I asked about the terms of this I was provided the copy and paste response regarding provincial legislation changed. I want my credit restored and their check removed within 30 days and no later.  I have spoken to legal counsel regarding this and I am within my rights and with grounds to pursue fraudulent charges if necessary
  
  Sincerely,
  
  *********************

  Business Response

  Date: 27/06/2024

  Hello *****,
  
  Thank you for your response. We appreciate your feedback.
  We have submitted your file over to the quality assurance team and the appropriate actions will be taken to the agent in question.
  As mentioned before, we have already submitted a ticket to have your credit check with us removed, however,  it is out of our control on how long they are able to attend to our request.
  
  I hope this clears your concerns. if you have any further questions or concerns, please feel free to contact us back!
  
  Yours truly,
  
  Nat - Customer Success Manager
  *****************************************

  Customer Answer

  Date: 27/06/2024

   
  Complaint: 21872698
  
  I am rejecting this response because:

  they are fraudulent in their advertising and every single aspect of their communication. I have since located other issues through social media that people have experienced with Spring Financial. All of my contact with them was either in written form or I recorded the phone calls so I have confirmation of all the misleading information and their access to my personal information which was manipulated and I find it difficult to accept how any legislation or policy enforcement can allow these people to keep operating like this. I believe they need to be investigated and how many people they have negatively impacted. 
  
  Sincerely,
  
  *********************

  Business Response

  Date: 02/07/2024

  Hello *****,
  
  Thank you for your response and we appreciate the feedback. We have forwarded your file over to the quality assurance team to make sure this does not happen again.
  
  In addition to submitting the request for the credit bureaus to remove the hard inquiry from your credit report, we have also remove your information from our systems. If you wish to contact us again please feel free to visit our website and start a chat.
  
  I hope this clears our your concerns.
  
  Best regards,
  
  Nat - Customer Success Manager
  *****************************************

  Customer Answer

  Date: 02/07/2024

   
  Complaint: 21872698
  
  I am rejecting this response because:
  none of the responses have addressed the issues.

  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:19/06/2024

  Type:Service or Repair 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.

  At the beginning of 2024 I started with a foundation loan to build my credit so I could buy a car. I found out that I can never get a loan from them because I don't have a cell phone. They told me at the time I started that I could cancel anytime and get my money back. They are saying now I can only get $27.00 refund, that the rest has gone to the business.In the 5 payment I made, my credit score has not gone up one point.They are trying to claim my resent score to them, but is my adding a joint account with my son in our bank that cause my credit score to go up 124 within the hour I added the bank account. They have done nothing for me but take my money and won't do anything for me in the future I try to talk to them, but they hang up on me everytime

  Business Response

  Date: 24/06/2024

  Hello ********,
  
  We apologize if your experience with us was anything less than positive. I had our ***************** team to review all points of contact, eg; emails, phone calls, text messages and live chat transcripts, on several contact information that we have on file, to address your concerns accordingly. We also tried reaching out to you however it seems like we got cut off from your end during our conversation.
  
  On January 3rd, 2024, you have applied for a personal loan and immediately got declined by our website and had directed you if you were interested for the Foundation instead. The Foundation is a credit building product in which your payments are being reported to the credit bureaus in order to help you establish a good credit history. The Foundation is an optional product that you can cancel at any point as well.
  
  You were asked to choose from either paying for the Foundation gold or Foundation basic. The difference from the Foundation gold is you are going to be paying the full amount that goes to two portions; one for fees and interest to build your credit and second goes to your savings with us that you can request to any time or you can get back as a refund after your term, or after cancelling your account with us. The Foundation basic on the other hand is paying the lowered amount that goes directly to fees and interest on building your credit and not saving up. In this case, you have opted in for the Foundation basic.
  
  Unfortunately, we cannot be able to provide you a full refund of your payments as for we have been providing you a service to build your credit and we have been reporting your payments back to the credit bureaus in order to help you build your credit. You have requested to cancel your account on June 16th, 2024 and the agent you spoke to over the phone has compliantly closed out your account. This has been reported to the credit bureaus positively as closed-paid off and there will be no further payment coming out of your bank account. Your credit file will be updated within ***** days by the credit bureaus. You were sent a refund of $27.69 as that was the amount being saved up after fees under your file. I hope this clears up your concern/s and let us know if you have further ones.
  
  Should you have any questions, please feel free to start a chat with us on our website: springfinancial.ca and an agent can be able to assist you! We appreciate your feedback and Thank you for bringing this to our attention as **************** is important to us!
  
  Thank you,
  Nat - Customer Success Manager
  *****************************************

  Customer Answer

  Date: 25/06/2024

   
  Complaint: 21867657
  
  I am reject*** this response because:
  
  Sincerely,
  
  ***************************

   

  I never received any paper work or a copy of any contract.. I was under the understand *** that I could cancel at anytime and get a full refund.

  If I had done the full 12 months I would get a loan with the funds to be a part of my payments go*** toward a loan. 

  I resently found out I'm not able to get a loan with them because I don't own a cell phone and they don't do business without a cell phone

  The had paid me $27 & change and still owe me $257.40

  Business Response

  Date: 27/06/2024

  Hello ********,
  
  Thank you for your response. Please note that once you have fully confirmed three different buttons, you will then be fully signed up for the Foundation. As for our due diligence, shortly after signing up, you were to receive an email confirmation with your contract. The email confirmation was successfully sent to the email we have on file. A text message was also sent the same day congratulating you with your new product with us. In this case that we have fully received your application from your end, we have offered you a service to help you build your credit. Credit score does not build up overnight. You would need to make consistent and positive payments not only with the Foundation, but with your other tradelines as well (eg: credit cards, loans, mortgages, etc) in order for your score to increase accordingly. For those 4-5 months that you were with us, your credit score has gone up to 135 points, hence why unfortunately, we cannot be able to provide a full refund as for service to build your credit was compliantly provided to you.
  
  Should you have any questions, please feel free to start a chat with us on our website: springfinancial.ca and an agent can be able to assist you! We appreciate your feedback and Thank you for bringing this to our attention as **************** is important to us!
  
  Nat - Customer Success Manager
  *****************************************
  
   

• Initial Complaint

  Date:17/06/2024

  Type:Order 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.

  I never agreed for these services

  Business Response

  Date: 24/06/2024

  Hello ********,
  Thank you for letting us know your concerns as customer service is very important to us. We have reviewed your file and it looks like you have agreed to move forward with the Foundation when it was offered to you.
  All our products are completely optional so you are in no obligation to sign up with us.
  
  However since speaking with one our agents, your Foundation account has been closed and a total of $167.23 from your security contribution has been sent back to your bank account.  This will be reported as paid which would be a positive on your credit report.
  
  If you have any further questions or concerns, please feel free to reach out to us.
  
  Thank you,
  
  Nat - Customer Success Manager
  *****************************************

• Initial Complaint

  Date:14/06/2024

  Type:Customer Service 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.

  Back in April, I was referred to Spring Financial by Loans Canada or Borrow well, I cannot remember which one with the interest rate from 9.99 10% or something.Due to an issue, I couldnt qualify for Spring, which I think is a joke, and was pressured into this Foundation program, which I didnt want and tried to get out of ever since, but of course, a call came in and was talked into keeping for *** and I missed a call recently but they dont call back to follow up . All I want is to cancel and get my money back . I have no interest in applying for a future loan . There was nothing wrong with my score and the pressure was not needed .

  Business Response

  Date: 17/06/2024

  Hi ********,
  
  Thanks for getting in touch! It looks like both our customer success and client care team tried reaching out in regard to your complaint but there was no answer on several different occasions. We did try following up but it seems there was no answer again. Our client care department is open from Monday-Sunday 8am-4:00pm PST so we will try to call within those hours.
  
  If you still require assistance with closing your account, please feel free to contact us directly at *****************************************
  
  Thank you,
  Nat - Customer Success Manager
  *****************************************

  Customer Answer

  Date: 18/06/2024

   
  Complaint: 21849611
  
  I am rejecting this response because: I was not aware you guys were calling.  I'm use to seeing the name and number on phone, not voip numbers.   I have e-mailed customer care and no response. All I want is to talk to the cancellation department and to get my money back and then go my merry way.  
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 18/06/2024

  Hi ********,

  Thanks for speaking to our Customer Success representative today, June 18th 2024. We were able to reach a resolution with you over the phone. If you have any further questions please don't hesitate to reach out.
  
  Thank you, 
  Nat - Customer Success Manager
  *****************************************

  Customer Answer

  Date: 21/06/2024

   
  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. I will be watching for the deposit in my account and if it doesnt appear , Ill be calling . Thanks so much . 
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:11/06/2024

  Type:Customer Service 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.

  I accidentally signed up for the Foundation credit building product. Once I realized; I contacted them immediately to have it canceled. They said that it was canceled and I'd get an confirmation email. I have yet to recieve that email and I am very concerned that they will not respect my request and still proceed to retrieve money from my account. I am very frustrated and disappointed about how predatory this company seems to be. I believe if they continue like this, they should not be allowed to operate in ****** or anywhere else especially in this economic financial climate.

  Business Response

  Date: 14/06/2024

  Hi *******,
  
  Thank you for taking the time to express your concerns. 
  It looks like you were able to request your cancellation with our client care department, and no payments were taken from your account. Your account has been cancelled and we won't be taking any payments from you. Also, I personally sent you a cancellation email.
  
  Let me know if there's anything else I can do to assist you.
  
  Thank you,
  Nat - Customer Success Manager
  *****************************************

• Initial Complaint

  Date:11/06/2024

  Type:Service or Repair 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.

  I had spring financial calling me to offer a pre-approved loan. They in fact after submitting all documents, offered a completely different service, which I did not apply or ask to apply. I explained clearly that I was already with good crew score and did not want that service. They lied in order for me to apply and therefore will affect my credit score due to their misleading approach.

  Business Response

  Date: 14/06/2024

  Hello *****,
  
  Thank you for taking the time in leaving your concerns as customer service is very important to us. Please know that we to go through a process for any applications to see if we can approve you for a loan.
  We know that there are many needs for cash up front; however, most of our customers cannot qualify for an unsecured personal loan, and if they do, it is often at very high interest rates. This leaves quick cash loans as the only option for many of our customers. While ************** cannot give you money up front, you are guaranteed to get our Evergreen Loan as soon as youve completed 12 months of ************** and saved $750. This is a completely optional product which you have made no commitments on.
  
  I hope this clarifies your concerns.
  Should you have any other questions, please feel free to start a chat with us on our website: springfinancial.ca and an agent can be able to assist you! We appreciate your feedback and Thank you for bringing this to our attention as **************** is important to us!
  
  Thank you,
  Nat - Customer Success Manager
  *************************************************

  Customer Answer

  Date: 14/06/2024

   
  Complaint: 21828144
  
  I am rejecting this response because:
  
  Sincerely,
  
  ************************************

  Customer Answer

  Date: 14/06/2024

  Spring Financial approached me. I did not request any service from them, since in the past they declined. By lying to me and offering a "pre- approved loan, made me submit documents and potentially hurting my credit, to say they can help me improve my credit when is already in good standing. They are misleading and untrustworthy, that is why I made the complaint. 

  Business Response

  Date: 17/06/2024

  Hello *****,
  
  Thank you for your response. Pre approvals are based on the preliminary information that the customer has provided us before on their application, but in order for us to actually determine if the customer  is going to get approved or not we need to get additional information to move forward.
  
  According to our files, we did not do a hard credit check for you, so your credit score was not affected at all.
  
  Please know that you do not have any active products with us. We have added you to our DNC list and if you would like to apply again with us again in the future, please access our website to start a new application.
  
  Thank you again,
  Nat - Customer Success Manager
  *****************************************

  Customer Answer

  Date: 18/06/2024

   
  Complaint: 21828144
  
  I am rejecting this response because:
  
  Sincerely,
  
  ************************************

  Customer Answer

  Date: 18/06/2024

  I am not requesting any loans with Spring Financial, nor I want any business with them. By lying and promising things they cannot fulfill so clients end up using their trap is not okay. I never requested any loans. They called me to offer it saying it was pre-approved. I asked if my credit was going to be checked and they said NO. When they confirmed they did. Even if it a "soft credit" I don't need their help. I am already rebuilding my credit. They lied and offered something they did know they were going to decline so I could agree to the ripoff program they have which does not help in any way possible to fix credits. That is my issue with them. If they would have called and right away offer their ripoff program they know most people will say NO.

  Business Response

  Date: 20/06/2024

  Hello *****,
  
  Thank you for your response.  All our products are completely optional, and you have not signed up for anything with us.
  Additionally, we have added your number to our Do Not Call list and unsubscribed you from our promotional emails, so you will not receive any calls or advertisements from us unless you decide to apply with us again.
  
  I hope this clarifies your concerns.
  
  Thank you again,
  Nat - Customer Success Manager
  *****************************************

  Customer Answer

  Date: 20/06/2024

   
  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,
  
  ************************************