Complaints
Customer Complaints Summary
- 187 total complaints in the last 3 years.
- 72 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:06/06/2023
Type: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.
The entry "****** loan serviced by Equiant ************ DO NOT ACCEPT LOAN PAYMENT - SURRENDER OF ANY KIND IS NOT ALLOWED until loan is paid in full." has failed to be removed from an account that was paid off in 2014. Repeated attempts to contact Equiant to remedy this have had no response. *************************************************************************************** being placed on permanent hold for the "next available representative" for a total of 27 hours and 33 minutes with not one reaction from Equiant. An additional 19 attempts by electronic correspondence have recieved zero responses from Equiant. No originating paperwork was ever presented for the Diamond Resorts Contract Number ******** that included any connection to Equiant.
Business Response
Date: 06/06/2023
6/6/2023
RE: BBB Complaint Case #: 20179587
Account #: *********0347
Equiant Financial Services Inc. and Island One Resort
Dear Better Business Bureau,
Please accept this correspondence as a response to the **** dated 06/06/2023.
Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Island One Resort the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records, we found there was not any extra charged on the account for the grey card. According to our payment history the account is good standing, and no additional charge was added on the account. Please contact the resort if you have any questions or concerns.
Any further inquiries should be directed to Island One Resort at **************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Customer Answer
Date: 06/07/2023
This is the same response provided to every inquiry of this nature and can be found in a plethora of internet locations. The loan statement clearly states "****** loan serviced by Equiant ". Equiant is the originating party of the statement and Equiant would be the party to resolve the statement. If Equiant has no consideration in this matter as claimed then correspondence to this fact should be no issue to produce.Business Response
Date: 06/16/2023
6/16/2023
RE: BBB Complaint Case #: 20179587
Account #: *********0347
Equiant Financial Services Inc. and Island One Resort
Dear Better Business Bureau,
Please accept this correspondence as a response to the **** dated 06/07/2023.
Equiant Financial Services Inc. (Equiant) is the loan and **************** used by *************************** the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records and reaching out to *************************** they had sent us a *** of the recorded mortgage as well as the recorded satisfaction letter. We will mail the documents. Listed below are the contact details for ****************************
Any further inquiries should be directed to *************************** at **************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Customer Answer
Date: 06/25/2023
As of 6/25/23 the referenced correspondence stated to have been mailed on the 6/7/23 has not been received. Until said correspondence is received the complaint cannot be closed.Initial Complaint
Date:04/26/2023
Type: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 originally bought a timeshare with this company and was paying on time without ever using the timeshare as I was lied to during the presentation and there were never enough points to rent anywhere for a week. I then received notice that the unit i had been assigned to was condemned and I would be reassigned. At that point i contacted Capital Resorts by email that i would not be making any more payments and reassignment was not necessary. Equiant has now been reporting for a year that foreclosure has been started, lowering my score considerably. I have never received any notice of foreclosure. I would like the notice of foreclosure sent to me so we can work on a deed in lieu of foreclosure or just move forward with the foreclosure. If a foreclosure is not pending then my credit report needs to be updated correctly. I have tried calling the number provided and it has never been answered.Business Response
Date: 04/26/2023
4/26/2023
RE: BBB Complaint Case #: 19985917
Account #: ********4139
Equiant Financial Services Inc. and Capital Vacation Resort
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint dated 04/26/2023.
Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Capital Vacation Resort, the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records all credit report issues need to be direct at the resort. Equiant is the servicing platform used by Capital Vacations, the original creditor. Your account remains with the creditor. Please contact the resort if you have any questions or concerns.
Any further inquiries should be directed to Capital Vacation Resort at **************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Customer Answer
Date: 04/27/2023
I disagree with this response. Equaint is the company on my credit report. If they do not take ownership of my account then they need to remove their credit reporting in regards to this account.Business Response
Date: 05/01/2023
5/1/2023
RE: BBB Complaint Case #: 19985917
Account #: ********4139
Equiant Financial Services Inc. and Capital Vacation Resort
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint dated 04/26/2023.
Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Capital Vacation Resort, the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records all credit report issues need to be direct at the resort. Equiant is the servicing platform used by Capital Vacations, the original creditor. Your account remains with the creditor. Please contact the resort if you have any questions or concerns. We have notified Capital Vacation Resort of your complaint. They should be reaching out to shortly. Thank you for letting us know.
Any further inquiries should be directed to Capital Vacation Resort at **************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Initial Complaint
Date:03/07/2023
Type: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 spent an hour and 45 minutes on 2 phones at the same time attempting to find out the amount I need to report on my taxes for our Spinnaker time share to no avail. I was given 5 different phone numbers but could not speak to the right person to give me that information. The hold times are ridiculously long. All they want you to do is leave a message, but who knows when or if they will call you back, send you an email, or text you. This is the only thing I need to complete my taxes and give them to the accountant. My Spinnaker ID is: *****, ******************** ID: ************, address: ******************************************************, email: ********************* phone number: ************.Business Response
Date: 03/08/2023
3/8/2023
****************
RE: BBB Complaint Case #: 19548487
Account #: ********0285
Equiant Financial Services Inc. and Spinnaker Resorts, Inc
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint dated 03/07/23.
Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Spinnaker Resorts,****, the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records, we found the tax information being requested would at the resort. ***************** ****would be able to provided the information requested. Equiant does not house the tax documents. Please reach out to ***************** **** Listed below is the resort information. As well as we will forward this communication to notify them of the situation.
Any further inquiries should be directed to ***************** **** at **************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Customer Answer
Date: 03/08/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. I was able to get my info from Spinnaker after calling 6 different phone numbers I was given by Spinnaker and spending almost a combined time of almost 3 hours on hold, which is totally unacceptable. I was told by Spinnaker that it was bought out by Equiant. I got the info I needed, so I can now submit my taxes.
Regards,
*************************
Initial Complaint
Date:03/06/2023
Type: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 put my name first on a purchase that I did not know was basically a mortgage loan. They gave me misleading information to make a purchase. Afterwards, they reported negative activity to my account. This caused my credit score to drop. In an effort to preserve my credit score, payments were made to bring the account current. The company has not reported this new information to the credit bureau.Business Response
Date: 03/06/2023
3/6/2023
********************
RE: BBB Complaint Case #: 19544663
Account #: *******1907
Equiant Financial Services Inc. and **********************
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint dated 03/06/2023.
Equiant Financial Services Inc. (Equiant) is the loan and **************** used by **********************, the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records, we found that in order to have the credit reporting fix you would need to contact the **********************.
Any further inquiries should be directed to ********************** at ************** Option 5.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Initial Complaint
Date:01/19/2023
Type: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 own timeshare with *********** in ************, **. We moved a year ago and can not locate the 12 digit code (number) to pay for our year fees. We have tried to call Equiant for the past several days. We have been on "hold" for over 6 hours. We have used two phones to try and reach this company. My husband was on hold for three hours this morning alone with no answer or response. When we don't pay our bill they will not give us time. **************** has a major problem. We did not chose to deal with this company and we have never had problems with paying our commitments. From other people I understand this is their way of deal with people, What a shame. HELP HELP HELPBusiness Response
Date: 01/20/2023
1/20/2023
*******************
RE: BBB Complaint Case #: 18840725
Account #: ******4069
Equiant Financial Services Inc. and *********** Resort, LLC
Dear Better Business Bureau,
Please accept this correspondence as a response to the service issues dated 01/19/2023.
Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Kings Creek Resort, LLC, the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records, apologies that there was long hold time. The resort was probably had a high call time.Listed below is the numbers for our (Equiant) and the resort. Please try give a call now. Thank you for your patience.
Any further inquiries should be directed to Kings Creek Resort at **************.Or, at Equiant **************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Initial Complaint
Date:01/09/2023
Type: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.
Equiant sends out their annual maintenance fee statement which shows the following:Statement Date: 11/30/2022 Account Number: ************** Sapphire Basic Assessment: $447.23 Gray Card Benefit Option: $69.00 Minimum amount due is $447.23, total due is $516.23 if you elect the Gray Card Benefit Option. When accessing your online account there is not any breakdown of these fees. It only shows you the total due of $516.23 which includes the optional fee. This is a UDAAP violation. I have discussed this in the past with Equiant and each time they have indicated they will no longer show the optional fee on my statement.I paid my dues that was due by 12/31/2022, one day late and was assessed a $75.00 per the paper statement. Therefore, I included the $75.00 in with the minimum amount due of $447.23 for a total payment of $522.23 per their statement that includes the increase in amounts due if not paid by the designated dates. Now, today I receive a past due statement so I call to check my account, to hear that I have a balance due of $69.00 which is the optional fee for the Grey Card Benefit Option that I do not want. In trying to call Equiant I've been unable to reach a live person. You can only get information through the automated system. Please help!Business Response
Date: 01/10/2023
1/10/2023
*************
RE: BBB Complaint Case #: 18712268
Account #: ******9662
Equiant Financial Services Inc. and ****************
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint by ************* dated 01/09/2023.
Equiant Financial Services Inc. (Equiant) is the loan and billing servicer contracted by ***************, the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records, we found account is a Maintenance account. To get a better understand of the charges assessed on the account please reach out to resort
Any further inquiries should be directed to XXXX at **************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Customer Answer
Date: 01/10/2023
Equiant is the servicer who sends the bills and accepts the maintenance fee payments on behalf of Sapphire. I am currently on hold with equiant for the 2nd day in a row trying to speak with a live agent. I've currently been holding for 1 hour and 24 minutes to speak to someone. I've never made any payments to **************** as my timeshare was paid in full before a first bill could be sent. I am requesting that Equiant remove that optional fee from my account as I've asked them to in the past. They're response or lack there of doesn't resolve my complaint. This is poor customer service all the way around the board and based on the number of complaints, they shouldn't be allowed to do servicing for anyone.
Business Response
Date: 01/11/2023
1/11/2023
*************
RE: BBB Complaint Case #: 18712268
Account #: ******9662
Equiant Financial Services Inc. and ****************
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint by ************* dated 01/09/2023.
Equiant Financial Services Inc. (Equiant) is the loan and billing servicer contracted by ***************, the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records, we found account is a Maintenance account. We have removed the $69.00 balance on the grey card. The account should not have any balance due as of currently. We appreciate you take your take to reach out to us.
Any further inquiries should be directed to **************** at **************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Initial Complaint
Date:01/09/2023
Type: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 currently under a payment contract with this company, Outside of the payment contract, this company debited my personal bank account in the amount of $577.04 on 01/02/2023, clearing 01/03/2023. When I called the company on 01/02/2023 and spoke to a representative, ******, I was advised that the payment was for a membership fee. When I advised ****** that my contract states that I am not responsible for this payment and that another company is, ****** refused a refund of the money. The $577.04 is an unauthorized debit to my account and the company refuses to refund the money to me. ****** stated that there is no call reference number but assured me that all calls are recorded.Business Response
Date: 01/10/2023
1/10/2023
*****************
RE: BBB Complaint Case #: 18709725
Account #: ******1654
Equiant Financial Services Inc. and Still ********************
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint by ***************** dated 01/09/2023.
Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Still ********************* the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records, we found a refund is still in process. Unfortunately, the refund cannot be completely until the card that was originally on file can be put be back on file to refund back on. Please reach out to the resort to be able to get the refund issue resolved.
Any further inquiries should be directed to Still ******************** at **************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Initial Complaint
Date:12/02/2022
Type: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.
In October an account was opened by Triply which is mandatory at sign up. There is a 60 day same as cash which is coming up and I have no access to either mine or my wife's accounts. The fact there are two accounts is something we were never made aware with at the time and only found out later. There is no costumer service list for this company at all and they will charge 25% interest with giving me no ability to make a payment. My wife has not even received a single email or account number to even try to pay. The website just gave errors trying to log in with my account and said both there is already an account and that account does not exist during the same session have a screenshot to show.Business Response
Date: 12/09/2022
12/2/2022
**********************
RE:?BBB Complaint Case?# ********
Account?# ********1535
Equiant?Financial Services **** and Wyndham Destinations
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint filed?by ********************** dated 12/2/2022.
Equiant Financial Services Inc. (Equiant) is the loan and billing?servicer?contracted by ********************, the original creditor.?Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a?review of account records, we can confirm that you have two accounts, one under you and the other under your wife. Both accounts do have payments pending to payoff both. Account numbers are ************ and 264100001546.
Any further inquiries should be directed to Wyndham Destinations at ************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Initial Complaint
Date:11/09/2022
Type: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.
In September 2021 my wife and I thought we were buying into a legitimate hotel (****************) club.We were told that we would get to use their properties for three weeks a year for the rest of our lives. We were charged $6,000 plus annual maintenance fees ($629). Then we were contacted by the company representative trying to charge us more money for their services. We told them we just wanted to cancel our policy, because we never used their services and already paid $2500. They told us we had to pay $23,000 if we wanted what was promised to us. This entire scheme seemed to good to be true but the lady delivering the seminar seems believable. Anyhow I am just trying to pay off the remaining balance of the $6,000 to be rid of these crooks but I literally cannot contact anyone. I called the telephone number and no body answers. I looked up email addresses and none are available online. I cannot find my balance anywhere. This is extremely frustrating and misleading by this company ****************, ************************** LLC, and Equiant Financial Service. None of these companies will answer their telephones or return messages. Hopefully I am not the only person that has complaints concerning these companies. I am a ************ Veteran and Retired Correctional Lieutenant who has been fooled and taken advantage of and need help.Thank You,Business Response
Date: 11/11/2022
11/9/2022
**************
RE:?BBB Complaint Case?# ********
Account?# ********7939
Equiant?Financial Services **** and **********************
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint filed?by ************** dated 11/9/2022.
Equiant Financial Services Inc. (Equiant) is the loan and billing?servicer?contracted by **********************, the original creditor.?Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a?review of account records, we can confirm that the account has a payoff of $4,965.84 as of 11/11/2022. Equiant can assist with payments at ************.
Any further inquiries should be directed to ********************** at ************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Initial Complaint
Date:10/20/2022
Type: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.
In accordance with the Fair Credit Reporting act EQUIANT FINANCIAL SVCS Account Number: ******** , has violated my ********* U.S.C **** Section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A. Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructionsBusiness Response
Date: 10/26/2022
10/20/2022
*******************
RE:?BBB Complaint Case?# ********
Account?# ********9444
Equiant?Financial Services **** and **********************
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint filed?by ******************* dated 10/20/2022.
Equiant Financial Services Inc. (Equiant) is the loan and billing?servicer?contracted by **********************, the original creditor.?Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a?review of account records, we can confirm that this account is verified and credit reporting accurately.
Any further inquiries should be directed to ********************** at ************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.
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