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Business Profile

Credit Services

Grow Credit Inc.

Complaints

Customer Complaints Summary

  • 67 total complaints in the last 3 years.
  • 18 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:06/02/2025

    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 used the wrong card to pay my balance. They told me that they are cancelling my plan because the program sponsor ended the contract. I initiated a payment with the incorrect card on 5/30/2025 and my payment was due June 1st. I requested that they refund me for this payment so I can initiate a payment with a different card but they are refusing to do so. The payment was ****** and they are refusing to do anything about it.

    Business Response

    Date: 06/09/2025

    June 3, 2025


    RE:  Grow Account #**************


    Hello ******,


    We received your correspondence submitted through the Better Business Bureau regarding the Grow Credit account ending in #7PW3. Your complaint indicated that a payment of $150.96 was processed using an incorrect payment source, and that you were unsuccessful in obtaining a refund.

    After a thorough review of the account, we confirmed that an automatic payment of $160.30 was processed on May 2, 2025. As you requested, a $150.96 refund was issued on June 2, 2025. Please refer to the attached Loan Payment History for details. 


    Currently, the Grow Credit account ending in #7PW3 has an outstanding balance of $150.96 and is 30 days past due and will be reported to the credit reporting agencies if the outstanding balance is not paid.


    If you have any questions, feel free to contact us at ********************************************************.


    Thanks for being a valued Grow Credit customer,

    ******** @ **********************
    Compliance Associate


  • Initial Complaint

    Date:05/09/2025

    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.
    Grow Credit inaccurately and falsely reported that they gave me a line of credit worth 1,800$ on my credit file when the maximum they will give you credit for is 150$ which I paid on time until I told them to close my account. They told me they did and continued to bill me. I would like the immediately removed from my credit report.

    Business Response

    Date: 05/22/2025

    May 19, 2025

    RE:  Grow Account #**************

    Hello Krystinette,


    We received correspondence from the Better Business Bureau on your behalf regarding the Grow Credit account ending in #**B0.  You raised concerns about the accuracy of the credit line reported and the billing information following your account closure. ********************** values our customers and wishes to improve your experience, therefore, we have investigated your claim thoroughly.

    After a thorough review, we confirmed the account was opened on 04/24/2022 following your electronic agreement to the terms and conditions (see attached Loan Agreement). Subscription payments were made from 05/02/2022 through 08/18/2022. However, we did observe missed or failed payments for the Grow Credit account ending in #**B0, which were accurately reported to the credit bureaus (please see attached payment history). Your account was closed on 02/08/2023, as you requested.

    In addition, we confirmed that the account was opened under the Grow Credit "Accelerate" Membership. As disclosed on page 4 of the Loan Agreement, this plan carries an annual loan amount of $1,800 and a monthly limit of $150, with individual monthly disbursements capped at $150 ($150.00 x 12 = $1800).

    At this time, we do not find evidence that the Grow Credit account ending in #**B0 was reported inaccurately. However, Grow Credit is dedicated to assisting our customers in any way, therefore, we welcome the chance to review additional information or documentation you may have to clarify this matter.

    Please feel free to contact us at ******************************** if you have any questions or require
    additional information.

    Thanks for being a valued Grow Credit customer,
     
    ******** @ **********************
    Compliance Associate


  • Initial Complaint

    Date:05/05/2025

    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.
    As an informed consumer. I am filing this complaint due to the repeated and unlawful actions taken by GROW CREDIT *** under the Fair Credit Reporting Act (FCRA). Despite my repeated disputes regarding the inaccurate reporting of $25, GROW CREDIT *** has failed to correct the erroneous information on my credit report. These inaccuracies are not only damaging my credit profile but are also severely impacting my ability to obtain financial services.I have repeatedly notified GROW CREDIT *** account does not belong to me. However, they have failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i, and have failed to make necessary corrections or deletions as mandated by the ****. The failure to properly investigate and correct the information reflects a blatant disregard of their obligations under the law.Despite several attempts to resolve this matter, GROW CREDIT *** has failed to take appropriate action and has continued to report false information. This has caused undue stress and frustration, especially considering that I have been patient and consistent in requesting corrections. This ongoing negligence is unacceptable and I am now left with no choice but to take further legal action.I fully intend to pursue litigation against GROW CREDIT *** for their repeated violations of the ***** the harm caused by their failure to address the inaccuracies, and the severe damage done to my credit profile. If this matter is not swiftly resolved, I will be forced to take legal action to seek justice and hold them accountable for their blatant disregard of consumer protection laws.

    Business Response

    Date: 05/15/2025

    May 13, 2025

    RE:  Grow Account #**************

    Hello Jasmine,

    We received correspondence from the Better Business Bureau on your behalf regarding the Grow Credit account.  The complaint states that the Grow Credit account ending in #2DSY is being reported inaccurately. Grow Credit values our customers and wishes to improve your experience, therefore, we have investigated your claim thoroughly.

    After a complete review of the account, we found that on 03/14/2025, an investigation was conducted for the Grow Credit account ending in #2DSY.  Based on the results of our investigation, on 04/03/2025, an adjustment was sent to all three credit reporting agencies to delete the account from your ********************** report.  Please allow 60 to 90 days for the credit reporting agencies to update your credit report.

    Please feel free to contact us at ******************************** if you have any questions or require additional information.

    Thanks for being a valued Grow Credit customer,
     
    ******** @ **********************
    Compliance Associate

  • Initial Complaint

    Date:03/03/2025

    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 recently reviewed my credit report and noticed an inaccurate and invalid account reported by [************************/ ***************** Name]. This account is not valid, and its presence on my report is a violation of the Fair Credit Reporting Act (FCRA).Under the ****, all reported accounts must be accurate, verifiable, and legally collectible.This account does not meet these standards, and I am requesting its immediate removal. I have not received proper validation of this debt, and without sufficient proof, it should not be reported.I am formally disputing this entry and requesting that it be deleted from my credit report. If the furnisher cannot verify the accuracy and legitimacy of the account, it must be removed in compliance with federal law.

    Business Response

    Date: 03/12/2025

    March 10, 2025

    RE:  Grow Account #**************

    Hello *******,


    We received correspondence from the Better Business Bureau on your behalf regarding the Grow Credit account.  The complaint states that the Grow Credit account ending in # 9K51 is being reported inaccurately and you wish for the account to be removed from your credit report. Grow Credit values our customers and wishes to improve your experience, therefore we have investigated your claim thoroughly.


    Based on our investigation, we did not find sufficient evidence to remove the account. However, as a courtesy, we have submitted an adjustment to remove the late payments from your credit report and update the account status to Paid as agreed zero balance.  Please allow ***** days for the credit reporting agencies to process and reflect these updates on your credit report.

    Please feel free to contact us at ******************************** if you have any questions or require additional information.

    Thanks for being a valued Grow Credit customer,
     
    ******** @ **********************
    Compliance Associate


  • Initial Complaint

    Date:01/29/2025

    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.
    Grow credit reported a payment as late and my credit score dropped substantially. The Grow Credit payment system makes it impossible to make a payment for days at a time, and even with access to my payment information, Grow Credit did not draft the payment on time. Its extremely frustrating to constantly hit dead ends with customer service about this issue.

    Business Response

    Date: 01/31/2025

    January 30, 2025

    RE:  Grow Account #XXXXXXXXXX1TGL

    Hello *****,

    We received correspondence from the Better Business Bureau on your behalf regarding the Grow Credit account ending in # 1TGL.  The complaint states that Grow Credit is providing inaccurate information to the credit reporting agencies.  Grow Credit values our customers and wishes to improve your experience, therefore we have investigated your claim thoroughly.
    After thoroughly reviewing your account, we found that payments for the November and December 2024 billing cycles were not received, and the account was reported accordingly. However, at Grow Credit, we are committed to supporting our customers in building their ********************** and understand that life challenges can sometimes arise. As a courtesy, we are granting you Late Payment Forgiveness. This will remove the late payment entries for the Grow Credit account ending in #1TGL for November and December 2024.  Please allow ***** days for the credit reporting agencies to update your credit report.

    If you have any questions, feel free to contact us at ********************************************************. 

    Thanks for being a valued Grow Credit customer,
     
    ******** @ **********************
    Compliance Associate


  • Initial Complaint

    Date:08/19/2024

    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.
    Grow Credit recently reported to the credit bureaus that I had a late payment - hurting my credit by 35 points!The issue is that I did not fail to make payments. Their system which is set to auto debit would fail to debit. Occasionally error emails would come but on the consumer side inside of the app everything would show paid or scheduled to bill in the upcoming statement and nothing for the customer to take action on. Apparently the issue is the apps communication with banking software and the errors or path to fix would not work in the app. I have not missed any payments by my error and I demand they correct the credit reports.

    Business Response

    Date: 08/26/2024

    August 26, 2024

     


    RE:  Grow Account #**************


    Hello ******,


    We received correspondence from the Better Business Bureau on your behalf regarding your Grow Credit account ending in # 5XJP.  The complaint states that Grow Credit is providing inaccurate information to the credit reporting agencies.  Grow Credit values our customers and wishes to improve your experience, therefore we have investigated your claim thoroughly.
    After a complete review of your account, we found that, as stated in your complaint, your Grow Credit account ending in #5XJP has an exemplary payment history, and according to our records, an adjustment was made on 08/19/2024 to remove any late payments from your account and update your account status.  Please allow 30 to 60 days for the credit reporting agencies to update your credit report.


    Grow Credit apologizes for any inconvenience this oversight has caused.  Please feel free to contact us at ******************************** if you have any questions or require additional information.


    Thanks for being a valued Grow Credit customer,

    ******** @ **********************
    Compliance Associate

  • Initial Complaint

    Date:07/01/2024

    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.
    9 days ago I attempted to make a payment on my account to bring the account current. I received an error message several times and finally reached out to customer service via email for assistance. After updating my address the issue was still not resolved so I asked what other ways could I submit my payment. I was advised to allow an ACH transfer. I agreed to this only to receive an email this morning 7/1/2024 at 6 AM EST that my account had been placed for charge-off. I was a little confused due to my previous conversations with previous agents from Grow Credit no one mentioned that my account was at risk of being placed in a charge-off status. When I inquired about this today 7/1/2024 another representative told me there was nothing they could do once the account has been placed as a charge-off that was it and I would need to send a money order or cashier's check. This made me a little upset because these payment options were not provided as a payment option 9 days ago when I experienced issues and continued to have issues all the way up until now. I am requesting that the company not report this account as a charge-off as there has been previous attempts to pay the balance in full prior to the account reaching this status. I have email threads with different customer service representatives showing my efforts to bring the account current.

    Business Response

    Date: 07/16/2024

    July 11, 2024

    RE:  Grow Account #**************

    Hello Talecia,

    We received correspondence from the Better Business Bureau on your behalf regarding your Grow Credit account ending in # 3XI6.  The complaint states that due to technical issues logging into the Grow Credit account, you were not able to bring the account current.  In addition, you were informed by the *************************** that alternate payment options through the Grow Credit app were not available due to the account being charged off.   ******** **************** suggested that you send a money order or cashiers check via US ************** which were options not previously offered. Grow Credit values our customers and wishes to improve your experience,therefore we have investigated your claim thoroughly.

    Grow Credit is dedicated to assisting our customers in building their ********************** and apologizes for any technical challenges you may have encountered. After a comprehensive review, Grow Credit has decided that once the outstanding balance of $150.00 has been paid, an exception will be made to update the account status to paid/closed. Please reach out to our *************************** at ******************************** to arrange a payment and get the account status updated.

    If you have any questions or require additional information,please feel free to contact us at ********************************.

    Thanks for being a valued Grow Credit customer,

    ******** @ **********************
    Compliance Associate

    Customer Answer

    Date: 07/16/2024

     
    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:04/23/2024

    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 have been trying to pay and cancel this account. ********************** will not allow me to pay and close. I have no options to pay through the website or the app (due to the pay options being blocked out). Grow Credit is refusing to take final payment to close this account as requested. I am being told a I am not allowed to pay until a certain date, Im not okay with that because I have been asking for sometime to close this account. It has been documented and requested multiple times to close this account. There is no way to speak to anyone on the phone.

    Business Response

    Date: 04/29/2024

    April 24, 2024

    RE:  Grow Account #**************

    Hello *****,

    We received correspondence from the Better Business Bureau on your behalf regarding your Grow Credit account ending in #7PTQ.  The complaint states that you have made attempts to pay your current balance and close your Grow Credit account and have been unsuccessful. In addition, you requested a refund of your security deposit. Grow Credit values our customers and wishes to improve your experience, therefore we have investigated your claim thoroughly.

    After a complete review of your account, we found that the last payment on the Grow Credit account ending in #7PTQ was processed on 02/29/2024. The account is currently in good standing with a $0 balance and has been reported to the credit reporting agencies accordingly.  In addition, our IT team has validated that the technical issues you experienced with your account have been resolved.

    On 04/22/2024 you contacted Grow Credit **************** to convey that you wished for the Grow Credit account ending in #7PTQ to remain open, therefore the security deposit will remain on record.

    If additional information is required and/or if you now wish to close your Grow Credit account ending in #7PTQ, please contact us at ********************************.

    Thanks for being a valued Grow Credit customer,

    ******** @ **********************
    Complaints & Disputes Department

    Customer Answer

    Date: 05/03/2024

     
    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:03/11/2024

    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.
    They closed this account under a charge off with a loss of *****. Per my attachments, I requested to close this account because it wasnt needed and pressured multiple times to leave it open. I was told that it couldnt be closed until the balance of ***** was paid. Per the screenshot attached it was indeed paid off but was still charged off as a loss. I want this corrected. The account closure was processed on the Feb 19th per the screenshots however the shady remarks were added to my credit report between the Feb 20th and the 23rd which Im assuming is retaliation for the closure since the remarks were added just a couple of days after I requested the closure. I want this corrected along all credit bureaus.

    Business Response

    Date: 03/21/2024

    Mar 12, 2024

    RE:  Grow Account #**************

    Hello *****,

    We received correspondence from the Better Business Bureau on your behalf regarding your Grow Credit account ending in #0VTH.  The complaint states that Grow Credit is providing inaccurate information to the credit reporting agencies.  Grow Credit values our customers and wishes to improve your experience, therefore we have investigated your claim thoroughly.
    Upon reviewing your account, we have found that it was paid in full on 02/16/2024 and subsequently closed, per your request on 02/19/2024.However, we have discovered that Grow Credit has inaccurately reported the final status of your account. I want to assure you that we are taking action to rectify this issue. We have sent an adjustment to all credit reporting agencies to update the status of your Grow Credit account ending in #0VTH to "paid or closed / zero balance." Please note that it may take ***** days for the credit reporting agencies to update your credit report accordingly.

    We apologize for any inconvenience this may have caused and thank you for your patience and understanding. If you have any questions or require additional information, please feel free to contact us at ********************************.

    Thanks for being a valued Grow Credit customer,

    ******** @ **********************
    Complaints & Disputes Department

  • Initial Complaint

    Date:02/06/2024

    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 signed up for grow credit in march of 2022. I thought it would help me build credit in a simple way. Boy was I wrong. Not only did they not make a report of a single positive thing I did such as 20 on time payments in a row, but they un-linked my bank account and then claimed I wasnt paying my Amazon bill on time. Obviously I have proof against this. Needless to say I went from having a mediocre 621 credit score all the way down to 545 despite never missing a single payment. Stay away. Stay far away, at this point I will need to hire a lawyer to clean up the mess they made and they will not do a single good thing for your credit. Just dont do it.

    Business Response

    Date: 02/15/2024

    January 13, 2024

    RE: Grow Account #XXXXXXXXXX 1WDQ

    Hello ********,

    We received correspondence from the Better Business Bureau on your behalf regarding the Grow Credit account ending in #1WDQ.  The complaint states that Grow Credit is inaccurately reporting your account.  ********************** values our customers and wishes to improve your experience, therefore we have investigated your claim thoroughly.

    After a complete review of the account, we found that the Grow Credit account ending in #**MA was granted Late Payment Forgiveness on 02/05/2024 and an adjustment was sent to all credit reporting agencies to remove all derogatory reporting from your credit report.  Please allow ***** days for the credit reporting agencies to update your credit report. 

    If you have any questions or require additional information,please feel free to contact us at ********************************.

    Thanks for being a valued Grow Credit customer,

    ******** @ **********************
    Complaints & Disputes Department

    Customer Answer

    Date: 02/23/2024

     
    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,

    *********************************

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