Complaints
Customer Complaints Summary
- 26 total complaints in the last 3 years.
- 8 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:06/10/2025
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 took out a small line of credit with FundBox. I completed all required steps: signed the paperwork, connected my bank account via Plaid (through their platform), and was approved.When I drew down the funds, I was informed that they would be deposited within two business days. After three business days, the funds were still not present in my account.I contacted ******************** by email and phone. They stated that on their end the funds had been sent. I then worked extensively with my bank to investigate. My bank confirmed that there were no pending or posted deposits, and that no transaction matching the trace number provided by FundBox exists.I have provided FundBox with multiple pieces of documentation including verified bank statements showing that the funds were never received. Despite this, FundBox continues to insist the funds were sent and is attempting to collect on this debt.I am requesting that:FundBox cancel this debt in full, as I never received the funds.FundBox close my account ******************************** cease any further collection attempts or reporting on this matter.I have full documentation of my communications and my bank is preparing a formal letter confirming that the referenced transaction never reached my account. I am submitting this complaint to BBB to seek resolution and to ensure that other consumers are made aware of this concerning business practice.
Business Response
Date: 06/18/2025
Dear *****,
Thank you for reaching out and for bringing your recent experience to our attention. We want to sincerely apologize for the delay in funding and for any inconvenience or frustration this may have caused. We understand how important timely service is, and its clear we did not meet that expectation in this instance.
We have confirmed that the requested line of credit draw has been cancelled, and have closed the account with a zero balance.
Your feedback is incredibly valuable to us. Hearing about your experience helps us identify areas where we can improve.
Thank you.
FundboxCustomer Answer
Date: 06/18/2025
Complaint: 23452024
I am rejecting this response because: I want to make sure that the hit on my credit profile after they gaslight me is removed, that will satisfy this request fully.
Sincerely,
***** ****Initial Complaint
Date:05/09/2025
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.
Refuse to investigate my identity theft properly ,sent me files without my signature or ID , then after I sent my police report they claim to have a recording of me claiming its my account but refuse to send me the recording. Claims my police report is insufficient when I spoke to the detective they said the company never reached out and said the report number is usually enough but I will be sending the full report once it comes in the mailBusiness Response
Date: 05/21/2025
Dear ********,
We shared your complaint with the relevant teams here at Fundbox, and they have completed their review. An e-mail has been sent to you at ************************** on May 15, 2025 and provided the outcome of the investigation.
Thank you for sharing your experience.
FundboxInitial Complaint
Date:04/23/2025
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.
Fundbox **** is incorrectly reporting multiple monthly charge-offs for the same debt, which is inaccurate. A charge-off is a one-time event and should not be reported repeatedly. Please investigate and remove the duplicate entries per the Fair Credit Reporting Act.Business Response
Date: 05/05/2025
Dear ********,
We shared your complaint with the relevant teams here at Fundbox, and they have completed their review. The Dispute Team has e-mailed you at ************************* on May 2, 2025 and provided the outcome of the investigation.
Thank you for sharing your experience.
FundboxInitial Complaint
Date:03/13/2025
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 disputing an invalid account reported by ***************************** Name]** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.Business Response
Date: 03/24/2025
Dear *******,
We shared your complaint with the relevant teams here at Fundbox, and they have completed their review. The Dispute Team has e-mailed you at ********************************* on March 20, 2025 and provided the outcome of the investigation.
Thank you for sharing your experience.
FundboxInitial Complaint
Date:02/13/2025
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 have contacted Fundbox **** several times in regard to reporting fraudulent/inaccurate information onto my credit report MULTIPLE times. Experian has deleted this information 4/5 times and Fundbox almost immediately and maliciously adds it back onto my credit report. I've submitted an *** report and reached out to Fundbox **** about this issue the only thing they suggest me do is reach out to support. Ive never done business with Fundbox ****Business Response
Date: 02/24/2025
Dear *** *****,
Based on the information provided in your complaint record, we do not have sufficient details to complete a review of the credit reporting issue you have shared with us. Our investigation team will send you an email with additional information you can provide so that we can properly investigate these allegations. Please expect an email from bureau-*********************************** shortly.
Thank you,
Fundbox TeamInitial Complaint
Date:10/21/2024
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 writing to urgently address the inaccuracies on my credit report that have resulted from the unauthorized sharing of my personal information with credit bureaus. This situation has caused me considerable financial and emotional *********** specified in 15 USC 1681 Section 602, I have a right to financial privacy and expect my information to be treated with strict confidentiality.Moreover, according to 15 USC 1681 Section 604(a)(2), a consumer reporting agency is not permitted to disclose account information without my explicit consent, which I have not provided.The discrepancies linked to FUNDBOX *** have adversely affected my financial stability, and I am requesting immediate correction of these errors.Additionally, I remind you of 15 USC 1666(b), which prohibits creditors from marking credit card payments as late under specific conditions.For your reference, my account details are as follows: Account Number: *******I request a detailed review of my account and immediate correction of these inaccuracies to ensure compliance with federal laws.If this matter is not addressed promptly, I may be forced to pursue legal action. I appreciate your urgent attention to resolving this issue.Sincerely,****** PlentyBusiness Response
Date: 11/06/2024
Dear ******,
This appears to be a repeat submission, however because we take these complaints seriously, we forwarded this to our internal team that handles credit report disputes. The team reviewed the referenced account history to determine if anything has changed since our last review, and they are providing more details directly to you via the email address we have on file. Please note you can also communicate directly with this team at ********************************************************************.Thank you for sharing your experience. We will be in touch directly.
Thank you,
FundboxInitial Complaint
Date:07/15/2024
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 complaint is against FUNDBOX *** I recently opened a credit builder account with them and later I received an email after I was approved that they needed my EIN from IRS and my Driver License to confirm my identity and that I had 14 days to submit this to ********************* I did on July 15 sent the documents requested on July 15,2024 the email from funndbox was sent to me on July 11,2024 and I had 14 days to submit this.My complaint is that on same day July 15,2024 I received another email stating they closed my account due to not receiving documents.I just uploaded documents please see same documents sent to company I am requesting funndbox to reopen my account base off documents received and base off this company was so rush to close my account without given me sufficient time to respond.Business Response
Date: 08/01/2024
Dear ************,
We reviewed the information you provided and the account-opening history in more detail. We can confirm our team reviewed the documents you provided, and along with the status of the security deposit, we are not able to reopen the account. We appreciate your interest and wish you and your business well.
Fundbox
Customer Answer
Date: 08/02/2024
Complaint: 21991812
I am rejecting this response because:account was closed after documents received found box never gave me up to 14 days to upload documents before account will be closed foundbox just closed the account within a week
Initial Complaint
Date:06/03/2024
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.
The business incorrectly imposed penalties on a credit line account and 1.) disabled the credit line and 2.) demands the line is paid in full before any conversation regarding re-enabling the credit line is started.Their support team(s) have avoided and/or failed to address all attempts to resolve the mistake over the course of 3+ weeks.Over the course of those 3+ weeks, multiple members have called to resolve the issue (some weeks daily), and request communication with manager/supervisor staff, including requests to be added to call-back lists. Contact with a manager/supervising staff has not been made to-date.Their support system and staff insufficiently supports the ability to notate ongoing issues or correct issues regarding the credit lines despite this being their business model.Existing public and BBB reviews document a multitude of similar cases suggesting this is a common practice for the business.The business appears to have acted unethically and lacks the sufficient support structure and/or ethical business policy as to appropriately address issues and fulfill their contractual obligation to their customers.Business Response
Date: 06/20/2024
Dear ******,
We reviewed your account as part of our investigation of this complaint, and involved the relevant senior managers and executives to reach out directly and discuss the action taken related to the Fundbox account over the past few months. We understand they explained in more detail what contributed to these actions.We have also taken steps to coach other representatives to help improve our customer experience for the future.
We appreciate your feedback, and if you have any additional questions, please feel free to reach out to *********************************** or to our senior managers who have been in contact with you directly.
Thank you,
FundboxInitial Complaint
Date:05/09/2024
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've been impacted by identity theft. I am aware of unlawful transactions and suspicious activities linked to my identity. I've already reported the incident to the police, but I still need assistance to have this resolved. I would appreciate your help in having these queries deleted from my credit history so that I can get my money refunded and get my record cleared. Please help me out with this. FUNDBOX *** Inquired on Oct 14, 2022Business Response
Date: 05/21/2024
Dear ******,
We shared your complaint with the relevant teams here at Fundbox, and they will investigate this further. They will contact you directly with more information or updates on the status of the investigation, to help ensure we address the issues noted here.
Thank you for sharing your experience.
FundboxInitial Complaint
Date:05/03/2024
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 company has erroneously placed this account on my personal credit report and this is a business account. For some reason, they have not been able to draw the amount out of my account due to no fault of my own. This is a business account and not a personal account and is affecting my chances of purchasing a home.Business Response
Date: 05/13/2024
Dear ******,
We shared your complaint with the team that investigates these questions, and they will communicate with you directly through the email address we have on file with you and your business. Please reach out directly to bureau-*********************************** with any additional details or questions related to the issue you presented in this complaint.Thank you,
FundboxCustomer Answer
Date: 05/13/2024
Complaint: 21663387
I am rejecting this response because:
Sincerely,
*******************************
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