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:07/31/2023

  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 had a loan through Target Cash that you took over. I made my payments on time every month until it was paid off. It was paid off December 3, 2022. Now Target Cash saying I still owe them $130.12

  Business Response

  Date: 08/01/2023

  The account wasn't updated accordingly with the promise plan to show the account was settled.  We have notified the creditor that the customer has settled their account and has no further obligation.

   

  We apologize for the inconvenience and hope this helps the customer understand we want to make sure they are satisfied.

   

  Thank you!

• Initial Complaint

  Date:06/20/2023

  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 a $700 dollar loan through Makwa in September 2022 for emergency expenses due to the CA flood. Makwa Sold it to ZenResolve. I Have made 7 payments total $1,016.02, one payment of $300.90, one payment of $240.90, one payment of $237.22 and a payment of $237.22 and still saying I have a balance of $1.056.71 on a $700 loan. I paid over $1,016.02. That is outrageous and there is no way that should be or is legal. I don't believe they are allowed to charge so much in interest. I think my loan has been sufficiently paid and should be closed. I am requesting they close my account immediately as paid off, or I will further report them to authorities. I spoke with a team lead with ZenResolve loans yesterday and they were very unprofessional, causing me to be concerned about my information being sold or my identity being compromised due to doing business with them. I want my account closed down immediately. Thanks

  Business Response

  Date: 06/21/2023

  This loan wasn't sold to ZenResolve, we are a third party collection agency working on behalf of the original lender.

  Here are the payments the customer agreed to pay when they received the loan from Makwa Finance:

  Number of Payment Payment Amount Payment Date
  1 $240.90 09/30/2022
  2 $240.90 10/14/2022
  3 $240.90 10/28/2022
  4 $240.90 11/10/2022
  5 $240.90 11/25/2022
  6 $240.90 12/09/2022
  7 $240.90 12/23/2022
  8 $240.90 01/06/2023
  9 $240.90 01/20/2023
  10 $240.90 02/03/2023
  11 $240.90 02/17/2023
  12 $240.90 03/03/2023
  13 $240.90 03/17/2023
  14 $240.90 03/31/2023
  15 $240.90 04/14/2023
  16 $240.90 04/28/2023
  17 $240.90 05/12/2023
  18 $240.90 05/26/2023

   

  The customer paid $541.80 to Makwa Finance and $237.22 to ZenResolve.  Their last payment of $237.22 on 4/14/23 was returned as non-sufficient funds.

   

  We have closed the account back to our client to handle as the customer stated they didn't want to pay anymore.

   

  Thank you,

• Initial Complaint

  Date:04/10/2023

  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.

   
  Complaint: 19918967
  
  I am rejecting this response because: I have set up payment plans with multiple debit cards and with the CORRECT banking information each time. My payment plans have been accepted each and every time. You required a payment over the phone which I WILL NOT do, as the online payment option is in fact an option. I have set up payments, there is sufficient funds, the R69 code is false. None of my information has been inaccurate. I do not accept your response. 

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

  Business Response

  Date: 04/12/2023

  The customer's payments are being returned with a code of R69 which means that the information provided is incorrect.  We do not report to the credit bureaus and can not make her balance zero as the payments haven't been made.  We will cease communication per her request but are more that happy to help her resolve this if she would like to reach out to us in the future.

   

  Thank you!

  Business Response

  Date: 04/13/2023

  We would be happy to jump on a conference call with your bank to ensure the information is correct but since we have had them returned as such means that we can't take that form of payment with the information provided.

  Looking forward to helping you resolve this.

   

  Thank you

   

  Customer Answer

  Date: 04/14/2023

   
  Complaint: 19918967
  
  I am rejecting this response because: I have put the banking information in myself and have verified it with my banking paperwork. The information you have is correct. There will be no conference call. The error is within your company. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:01/28/2023

  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.

  ZEN RESOLVE IS TRYING TO COLLECT ON A DEBT OWED TO TARGET FINANCE.HOWEVER,I AM AND HAVE BEEN WORKING WITH A DEBT CONSOLIDATION COMPANY CALLED CREDI-CARE - NEGOTIATING ARM IS "CLARITY DEBT RESOLUTION".THEIR CLIENT "TARGET" SHOULD BE NEGOTIATING WITH "CLARITY DEBT RESOLUTION" AND NOT BE HARRASSING ME.I HAVE BEEN ADVISED BY A LAWYER FROM THE ********* ****** ****** ******* THAT I COULD FILE A COPMPLAINT WITH THE MARYALAND ATTORNEY GENERAL-CONSUMER PROTECTION DIVISION CONCERNING THIS HARRASSMENT BY COLLECTION AGENCIES-WHOSE CLIENTS SHOULD BE NEGOTIATING WITH "CLARITY DEBT RESOLUTION" AND NOT BE HARRASSING ME.

  Business Response

  Date: 02/01/2023

  We have closed the account as cease and desist per the customer's request.  We haven't received any communication from this customer until we received this complaint so were not aware he was working with a third party.

   

  Thank you,

• Initial Complaint

  Date:01/16/2023

  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 am not liable for this debt with Minto Money and do not have a contract with ZenResolve. They did not provide me with the original application like i asked. I believe I am the victim of identity fraud.

  Business Response

  Date: 02/03/2023

  We have sent the customer the original loan documents.  We do not report to the credit bureaus so won't be able to remove any items if they are on her credit report.  

   

  Thank you

• Initial Complaint

  Date:01/16/2023

  Type:Order 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 ************** and do not have a contract with ****************. They did not provide me with the original application like i asked.

  Business Response

  Date: 01/16/2023

  We are not handling the customer's ************** or ************ account so can not assist on the request.

   

  Please email us at *************************************** to better understand why we are trying to contact you, or feel free to call us at ************** so we can help.

• Initial Complaint

  Date:12/13/2022

  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.

  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.

  It is satisfactory that they have closed my accounts, however I did not state that I was simply refusing to pay a debt. This company was attempting to collect debts on loans that had incorrect amounts and business information. Furthermore they were attempting to collect on a debt that was thrice paid and still attempting to collect additional funds. Both businesses used incorrect addresses as does Zenresolve. I warn consumers to do their homework on online lending providers and collection agents.
  
  Sincerely,
  
  *************************

  Business Response

  Date: 12/26/2022

  We have close both loans in our system due to the customer letting us know that she wasn't going to pay them back on 12/23/2022.

• Initial Complaint

  Date:12/12/2022

  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.

  I do not owe their client RiverValley Loans anything. I was told by the representative who gave me the loan that the loan was only $73 for payments. What they didn't say was that it was weekly. As soon as I found out that it was weekly which is above my pay ability I quickly gave them the money back plus allowed them to keep the $73 that they said I could not get back. They proceeded to collect another set of money from me even after I paid them off with another bank and I quickly notified my bank to let them know that this company was gouging from me from after I have already made the payment. **** of America responded with blocking them from making any more pulls from my account. There should be no additional that is old cuz not only did I pay them off within the next week but I also allowed them to keep the additional $73 the additionally pulled for me without respect to the agreement that was made according to their plan and schedule. And furthermore if I did owe them any money like they said then I would have owed them the whole thing which I don't because I did pay them off completely.

  Business Response

  Date: 12/20/2022

  After receiving the complaint on 12/12/22 we closed the account as disputed.  The customer emailed us directly at **************************************** to inform of the dispute on 12/13/22.  We didn't respond due to him stating that he didn't want us to contact him again.

   

  We have a copy of the loan agreement we can send if necessary.

   

  Thank you

• Initial Complaint

  Date:10/26/2022

  Type:Billing Issues
  Status:

  UnansweredMore 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 have set up a payment plan with zen resolve for target finance for ****** a month, my first payment was received . I was sent an email today that I needed to set up payment plan because my account was about to go into meditive state and into collection action again. I have a payment plan already and Im honering that plan. They are receiving their money already.*******************

• Initial Complaint

  Date:08/29/2022

  Type:Billing Issues
  Status:

  UnansweredMore 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 is the second time *** has contacted me claiming I owe money to a fraudulent loan company named LendMo for $1,191.33. They stated original loan company was Amplifi Financing, another fraudulent company. They emailed me 2 days ago, and just saw it today. I called. They wanted my DOB or Social Security #. I requested a supervisor and I did file a complaint with Zen. I have attached. The last time, they claimed to be collecting for another company that I am paying off, and that is what prompted my research into these companies. Additionally, I knew I would NOT apply for a loan when all I have to do is ask my bank for over draft that I have on my checking. As a result of Equifax latest "small" breach, this company, and 2 others I never subscribed to claimed I did. The latter 2 canceled "membership" . *** said they would close the account but I don't trust them. Need help.