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:02/05/2023

  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.

   
  Complaint: 19337234
  
  I am rejecting this response because:

  It has been admitted to me on multiple occasions that Tally made an error, and Tally is now holding me responsible for $683.79. This payment that they mistakenly made created a credit balance on my credit card. They claim that my credit card bank should refund any credit balance, but I had previously asked my bank about this and they said it was not possible. This is not liquid money that I can take it out and fix Tally's mistake. I am on a tight budget and have no intention of spending my credit balance anytime soon. I do not have the money to pay Tally back.

  I cannot understand how or why they expect me to just sit and wait to potentially owe them for money that they took out without my permission. Tally is refusing to edit my statement balance, which forces me to have no idea how much money I actually owe them for payments that were correctly made. Tally took $683.79 from me, made it unusable, and is now saying I will have to pay them back if my bank doesn't fix their mistake for them. I will not be able to pay them back in one lump sum, so this will definitely start to accrue interest as well.

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

  Tally, then the error payment be removed from my Tally balance and the interest will be removed. I cannot trust this since Tally told me that the error payment would not be in my January statement balance, but it was. I also asked Tally several times what would happen if my bank refused to return the payment to Tally, and I was told each time they "do not have that information at this time." Tally claims they cannot credit my account to portray an accurate balance.This is stressful because I could never get a straight answer as to what would happen if my bank doesn't return the error payment. This leads me to believe that if my bank doesn't give back the payment, then I would have to pay off the $683.79 on Tally. This is money that I simply don't have, and it would take months to pay it off, all while accruing interest. I cannot just take the negative balance on my credit card and use that, since it's money that can only be used on purchases using that card.

  Business Response

  Date: 02/07/2023

  Tally is an App-based product that provides qualified consumers with a revolving line of credit to help reduce their credit card debt. Our mission is to make people less stressed and better off financially.  Accordingly, we take all complaints seriously and are always looking for opportunities to improve. 

  
  In this case, we have responded directly to the consumer.  We continue to work with them and their credit card issuer directly to address the matter.
  

  
  

  Business Response

  Date: 02/13/2023

  Tally is an App-based product that provides qualified consumers with a revolving line of credit to help reduce their credit card debt. Our mission is to make people less stressed and better off financially.  Regrettably, in this case Tally made an error, accidentally made an additional payment from the line of credit to the members credit card, and added stress.  We have apologized to the member and have communicated directly to them numerous times, but there still appears to be a misunderstanding.

  
  To address this matter, Tally has directly contacted the members credit card company requesting a return of the payment.  Unfortunately, the process to obtain a return takes time. Tally is not charging the member interest on that amount and is not requiring repayment of that amount while we seek to address the matter. Once the return process plays out, Tally expects the matter will be resolved satisfactorily. In the meantime, Tally will continue to work directly with the member and their credit card issuer to address the matter.
  

  
  

• Initial Complaint

  Date:01/17/2023

  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.

  On Jan 16, 2023, I checked my credit score and noticed that a "Tally ****************** account was opened in my name with two unpaid bills. I have never heard of this company before and since it is MLK *** ***** holiday), I cannot do a **** thing about this fraudulent account on my credit report until tomorrow. I am wondering what information was provided to be able to open an account in my name by this company and negatively impact my perfect credit score I have maintained for over 30 years. I had an above 800 credit score and now I am at average score of 702 thanks to this fraudulent account. I am highly upset and need to get this account off my credit report and shutdown immediately. I DID NOT AUTHORIZE OR OPEN THIS BOGUS ACCOUNT.

  Business Response

  Date: 01/20/2023

  Tally's Fraud team has been in contact with the complainant since January 17, 2023 and are actively working to resolve the situation. We have also followed up with the complainant once more today, January 20, 2023 to confirm that we are awaiting additional documentation from the complainant. 
  

• Initial Complaint

  Date:01/11/2023

  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.

  I have been trying to work with one agent to get my account paid, but the more you ask to work with one agent the more emails you will receive from ***, *****, *******, Etc. Etc. Etc. until you have heard from all of them at least twice, with ZERO assistance. They just like to email and harass people to push them towards suicide. YOU. DO. NOT. WANT. THEIR. SERVICES. UNLESS. YOU. HAVE. A.DEATH. WISH. May *** have mercy on all of their souls.

  Business Response

  Date: 01/20/2023

  
  Complaint Response - Jan 20, 2023

  
  Tallys goal is to help consumers take control of their finances and get back to focusing on the things that truly matter. Qualifying Tally members gain access to a lower-interest credit line to pay down higher-interest credit card balances, which helps our members become less stressed and better off financially. 
  You can make payments to Tally anytime in-app and can pay up to your current Tally balance. You must pay Tally back at least the minimum, but we always recommend more if youre able to. At Tally, we take all complaints seriously and are always looking for opportunities to improve.

  We believe this matter has been resolved appropriately and we have responded directly to the consumer by physical mail to address this complaint. 
  
  Tell us why here...

• Initial Complaint

  Date:12/03/2022

  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.

   
  Complaint: 18517913
  
  I am rejecting this response because: You can close the account but I should not have to continue to pay you if you can no longer assist me in my credit card debt as I originally signed for. It isn't my fault you all stopped serving my bin number. Because of that, I'm now in more debt.
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 12/19/2022

  How Tally Works:
  Tally is an App-based product that provides qualified consumers with a revolving line of credit to help reduce their credit card debt. Tally does this by extending credit at a lower APR than the consumers credit cards when possible. Tally also helps the consumer to avoid late fees and missed card payments by constantly monitoring the consumers card balances and automatically applying the line of credit towards cards that have accumulated new debts.
  

   

  Addressing this Individuals Complaint:
  The member manually added a PayPal card to Tally which Tally made payments to. Unfortunately, at some point, the member's card became delinked from Tallys systems. We informed the member about this also adding that they would not be able to add the card back because our system could not map the card's bin anymore. The member has not yet requested to close their account with us. If they'd like to close their account, they should contact our Member Support Team at our support line: ************************************** or ************.
  Thanks,
  The Tally Team.
  

  Business Response

  Date: 01/03/2023

  See attached

  Customer Answer

  Date: 01/07/2023

   
  Complaint: 18517913
  
  I am rejecting this response because: I would not have to pay due to no one is fixing the issue to accept my credit card. I'm not at fault. I have left feedback on the app about my issue. They told me to contact customer service in which  I contacted in the first place. I feel scammed because all of the sudden you can't take care of my credit card and failed to notify me of the *** number issue.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:12/01/2022

  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 have been paying tally since may 2019 i took q balance transfer of **** and i still owe **** and will charged me a total of ***** dollars wich is very high and not what i agreed to as a consumer i have rights to my original contract that i supposedly signed according to then and then no returns my emails or phone ****** i called 12/01/22 spoke to a very rude representative named ******* which even before i start talking have and attitude and told me even before you start talking let me told you there is no changes that i am going to do for absolutely noem which i believe is very discriminatory i asked him to get a copy of my signed agreement which he did not provided and asked mister ******* to please let me speak to some one Else that i can have a conversation with because he was clear that he wasnt going to help me at all he said no i am not going to put nobody on the phone i am not going through this with you again *** either pay the balance or i will put this in your account

  Business Response

  Date: 12/07/2022

  Tally is an App-based product that provides qualified consumers with a revolving line of credit to help reduce their credit card debt. Our mission is to make people less stressed and better off financially.  Accordingly, we take all complaints seriously and are always looking for opportunities to improve. 
  In this case, we have responded directly to the consumer to address their issue.  We are happy to work with them to find an accommodation for their concerns.
  

• Initial Complaint

  Date:11/22/2022

  Type:Sales and Advertising 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.
  
  Sincerely,
  
  ******* *****

  Business Response

  Date: 11/29/2022

   Better Business Bureau Complaint 18454592. 
  The following is Tally Technologies, Inc.s (Tally or the Company) response to Better Business Bureau Complaint No 18454592.
  How Tally Works:
  Tally is an App-based product that provides qualified consumers with a revolving line of credit to help reduce their credit card debt. Tally does this by extending credit at a lower APR than the consumers credit cards when possible. Tally also helps the consumer to avoid late fees and missed card payments by constantly monitoring the consumers card balances and automatically applying the line of credit towards cards that have accumulated new debts.
  Addressing this Individuals Complaint:
  This individuals account has been marked for closure and all cards associated with the account have been removed. It will be closed after the final account statement has been sent to the individual's email address.
  
  Thanks,
  The Tally Team.
  
  
  

• Initial Complaint

  Date:11/10/2022

  Type:Product 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 have an outstanding balance of close to $6,700 with Tally. They are a business that allegedly helps pay off credit card debt.I have been unable to make my payments for a few months, as I have incurred medical bills. I have then reached out to Tally 5 times for help over the past 2 months. I told Tally I would be unable to make my minimum payments and requested a settlement. I was told twice that I would be able to receive a settlement amount and that it would be issued to me by email at the end of the same business day. Twice, I received no such settlement amount. Today (11/10/22), I spoke with someone in the ************** ********** and he told me No one told you there would be a settlement, which was extremely disrespectful and untrue. I told him that I was assured twice that I would be receiving a settlement amount, and his answer was Well then they were wrong.I have assessed this company as predatory, both in their charges and in their unhelpful customer service, which makes it nearly impossible to receive clear answers to issues presented.

  Business Response

  Date: 11/22/2022

  The following is Tally Technologies, Inc.s (Tally or the Company) response to Better Business Bureau Complaint No.18388581.
  How Tally Works:
  Tally is an App-based product that provides qualified consumers with a revolving line of credit to help reduce their credit card debt. Tally does this by extending credit at a lower APR than the consumers credit cards when possible. Tally also helps the consumer to avoid late fees and missed card payments by constantly monitoring the consumers card balances and automatically applying the line of credit towards cards that have accumulated new debts.
  Addressing this Individuals Complaint:
  Tallys policy is to settle only with accounts that have been charged off. This individual's account has not yet been charged off. As there is still a running balance on this account, Tally cannot feasibly settle the account for a lesser amount.  This is why the request for a settlement was refused. Tally is willing to work with this individual to look into other options to get their account into good standing and prevent a charge off.
  Thanks,
  The Tally Team.
  
  

• Initial Complaint

  Date:10/06/2022

  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 contacted Tally Support on September 19 because, upon realizing that a key credit card of mine is not supported by Tally after having created an account, I requested that my account be closed. I received a message summarizing the phone contact I had with a representative, specifically indicating the following:A. That an impending payment scheduled for the following day would be cancelled B. That my account would be closed within the next few days I received a message from another Tally support member yesterday, indicating that an error in the system occurred, and that a payment had been made on September 20, despite documentation that it was going to be canceled. (To be clear, I noticed that this payment was made at the time. However, I did not raise this issue at the time because I assumed that the very large payment toward a different credit card wouldn't hurt in the long run.)However, the message received yesterday indicates that I continue to owe interest to Tally, despite documentation that the payment was made in error and that my account should be closed. I feel very much like this is a bait-and-switch, and now am concerned that my account was not closed despite documentation on September 19 that it was.The message yesterday indicated that I should contact.... the message indicates Discover, although this is not the source of the CC payment from 9/20. The message dictates that I should make a contact and request that funds be returned to Tally. As the message indicated, this is not an error made by me, but by the company that had documented that this payment was going to be canceled and that my account would be closed. So I am not clear on why I am responsible for correcting this error. I do not believe that I should be held responsible for this amount that was paid by Tally in error. If they desire to get the amount paid back, I believe the onus is on them to do so.

  Business Response

  Date: 10/17/2022

  The following is Tally Technologies, Inc.s (Tally or the Company) response to Better Business Bureau Complaint No. 18176406.
  

  How Tally Works:
  Tally is an App-based product that provides qualified consumers with a revolving line of credit to help reduce their credit card debt. Tally does this by extending credit at a lower APR than the consumers credit cards when possible. Tally also helps the consumer to avoid late fees and missed card payments by constantly monitoring the consumers card balances and automatically applying the line of credit towards cards that have accumulated new debts.
  

  Addressing this Individuals Complaint:
  Tally is currently working on getting the payment made to the member's card returned. 
  

  Thanks,
  The Tally team.
  
  

• Initial Complaint

  Date:09/10/2022

  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.

  In accordance with the fair credit Reporting act H3231***3343336393135H **************** Act.# ***E, has violated my rights. 15 USC **** Section 602 States I have the right to privacy. 15 USC **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

  Business Response

  Date: 09/22/2022

  The following is Tally Technologies, Inc.s (Tally or the Company) response to Better Business Bureau Complaint No. 18009494.   
  
  Dear Ajose,
  On September 11, 2022, we received your complaint disputing certain information reported to consumer reporting agencies regarding the status of your account with Tally.  We have reviewed our records and have determined that our reporting is correct.
  When we provide information to Experian, we are obligated to do so accurately. In the Credit Reporting section of your Line of Credit Agreement, we state:
  We may report information about your Account to **************************** Missed payments or other defaults on your Account may be reflected in your credit
  report.
  If you would like us to further consider this dispute, please provide us with supporting documentation or other information to substantiate the basis of the dispute. This documentation may include, for example, a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court order; or account statements.
  If you would like to discuss options for initiating a payment plan or look into settlement options, please feel free to send us an email at ************************************** or give us a call at ************.
  Sincerely,
  Tally Support Team
  **************************************
  
  

• Initial Complaint

  Date:08/13/2022

  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 started using Tally because I was trying to get out of debt. When I signed on the interest rate was *****% and I ended up using it to pay off my *********** card which ended up totaling around $4,000. My payment was under $100 a month in the beginning, but then it jumped to $242 per month with a 26% interest rate. I told them that I could not afford to make that payment as that rate was higher than my *********** card now and the payment was more than double. I ended up entering a debt management plan where I have consolidated most all of my debt. However, when I reached out to Tally to let them know I was unable to make my monthly payment, it took multiple emails for anyone to even respond. Once they did they said that if I made half of the payment then they could work out a plan for me. So, I made half the payment for $122. After that, I started getting hounding automated emails saying that I needed to pay more. To which I responded and said that I cannot afford to make the full payment. They basically said they cant help me. Then, I get a email from them saying you're behind on your payments, message us and we can help if youre facing financial difficulties. So I reach back out and tell them that I entered a DMP and that I cant afford my payment. They say, we dont work with third parties. I push and say I am not asking them to, but that I need a lower payment because I cant afford it. Then they come back and say they cant do a payment lower than $180. To which I respond I also cannot afford and I ask them to lower the interest rate. They tell me they dont lower interest rates. So I tell them I cant make any higher than $120 a month payment. They tell me that the best they can do is $150 and that they wont lower the interest rate and Ill get a chargeback on my account. Im angry to say the least and have been completely taken advantage of. I want someone to rectify this as this is prying on those who are struggling NOT helping them.

  Business Response

  Date: 08/31/2022

  The following is Tally Technologies, Inc.s (Tally or the Company) response to Better Business Bureau Complaint No. 17713435.
  How Tally Works:
  Tally is an App-based product that provides qualified consumers with a revolving line of credit to help reduce their credit card debt. Tally does this by extending credit at a lower APR than the consumers credit cards when possible. Tally also helps the consumer to avoid late fees and missed card payments by constantly monitoring the consumers card balances and automatically applying the line of credit towards cards that have accumulated new debts.
  Addressing this Individuals Complaint:
  After communicating directly with the consumer, we were able to resolve this issue internally.
  Thanks,
  The Tally team.