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:05/19/2025

  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 received a line of credit from Money Key CCflow bank. The line of credit was for 1200 and thruout the year I spent 1300. I signed the contract, they said no interest just fees. They said transparency and no hidden costs.
  The contract says the amount charged on the amount you spend. No APR shows. On the line of credit after 12 months i paid 2450.00 which was nearly double what I borrowed. Dec.2024 I called to pay it off and they wanted another 1952.00. The line of credit was 1200 I used a total of 1300 I paid this plus another 1100 and my pay off was another 1952. 00?
  
  Money key is the company CC flow bank launders predatory loans thru. The company is deceptive. They say an alternative to payday loans. The monthly payment isnt a payment to the loan but all of it goes back to them except for 20 dollars. At the end of the year I literally owed almost another 2000 after paying 2450.00. There is no possible way that a bank should be allowed to sell such deceptive loans. They never report your good payment history they only report if you miss or stop paying on this scam. They sold that 2000 to a collection company and I am being harassed. I also want people to know that this company is hiding real reviews and lying about what people actually think about this corrupt, deceptive loan. I dont know why they havent been shut down with their deceptive marketing or failing to show the 300 percent APR. Do not do business with these liars. They will steal triple the amount you borrow and call the company safe and transparent. This is nothing but legalized money sharks. Money key should be shut down for deceptive marketing, selling their loans to people in emergency situations and stealing with a poorly written contract. Shut this company down. Stop hurting people with your scams. Dirty greedy bankers. CC flow bank launders predatory loans.

  Business Response

  Date: 05/27/2025

  Dear ******* ******,

  MoneyKey, on behalf of CCFlow, has received your complaint through the  Better Business Bureau (“BBB”). 

  We trust that the email sent to you on May 27, 2025 addresses your concerns. 

  Should you have any further questions or concerns, please reach us by email at [email protected]. 

  Best Regards,\

  The MoneyKey Team 

  
  

  Customer Answer

  Date: 05/30/2025

  Better Business Bureau:
  
  
  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.
  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  
  
  
  
  Regards,
  Complaint ID: 23349376   The line of credit started in dec 2024 after paying for a year on a 1200 line of credit which I used around 1360 and paid 220 for 11 months totaling 2450. 00.  I checked to see if I was close to paying off.  I thought one thousand in fees was expensive.  I saw the contract, I read payments are 220 a month when you spend 1300 on your line of credit.  I assumed this would be 12 months of payments.  Little did I know that CCFlow bank from Utah takes 200 of your payment and that is a fee for them giving you the line of credit.  That 200 dollars is the fee out of the 220 I paid every month.  When I saw that I owed them another 1700 I really felt like I was being scammed by a bank.  Its a terrible feeling knowing the FDIC and a bank is funding what seems to be a predatory loan according to AI, of course CCFlow denies this and believes that this line of credit is transparent and offers consumers help in an emergency.  However the reality is for one year year every payment I made ccflow took 200 dollars of the 220 payment and called this a fee?  At the end of the loan after paying off the 1400 I borrowed and another 1000 to cover fees I was told I owed CC flow another 1952.00 dollars.  When they communicate to the BBB or CFPB they claim to resolve the issue.  They sold 1952 to a collection company and never reported my monthly payments but now reporting that I failed to pay the loan and its in collections. Ccflow says their not a predatory loan?How much of the payment goes to interest and how much goes to fees?  Where is the break down of the fees per month? Is taking the whole payment minus 20 dollars considered a normal loan to CFPB?  
  
  
   

  Business Response

  Date: 06/17/2025

  Dear ******** 
  
  MoneyKey, on behalf of CCFlow, has received a new notification from the BBB indicating that you are not satisfied with our response.

  We trust that the email sent to you on June 17, 2025 helps to address your concerns. 

  Should you have any further questions or concerns, please reach us by email at [email protected]. 

  Best Regards, 

  The MoneyKey Team 

• Initial Complaint

  Date:09/26/2024

  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.

  I took out a loan for $1900 on 8/19/2021. My last draw was for $300 in August of 2022. I confirmed today that my total draw amount over the entirety of the loan was $2375.00. But over the last 3 years I have paid $8235.96 in consistent payments. Never missed or been late on any payments. This is predatory lending. Predatory lending is any lending practice where the borrower is taken advantage of by the lender. Predatory lenders impose lending terms that are unfair or abusive. This predatory practice is often committed against victims who are elderly or low-income (15 U.S.C. Chapter 41, Consumer Credit Protection 15 U.S.C. § 1691, Equal Credit Opportunity Act). I have reached out to MoneyKey for payoff options and have been told, "We cannot discount your pay off balance," despite me paying 246.777% more than the draw amounts. Prior to oobtaining counsel, I am making a last ditch effort to get this loan disolved as I have paid well over the amount a resonable prudent person would assume. Thanks.

  Business Response

  Date: 10/04/2024

  Dear Megan Florence, 

  MoneyKey, on behalf of CCFlow, has received your complaint through the Better Business Bureau (“BBB”) on September 27, 2024. 

  We trust that the email sent to you on October 4, 2024 addresses your concerns. 

  Should you have any questions or concerns, please reach us by email at [email protected]. 

  Best Regards, 

  The MoneyKey Team 

  Customer Answer

  Date: 10/08/2024

  Better Business Bureau:

  
  
  
  

  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

  The company emailed with no resolution and did not address my complaints on predatory lending. I am now attempting to address it through the CFPB.

  
  

  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  
  
  
  
  
  
  
  
  
  Regards,

  
  

  Complaint ID: 22343535

  
   
  

  
  
  

   

  
  

   

  Business Response

  Date: 10/16/2024

  Dear ***** ********,  

  Thank you for your response. 

  We trust that the email sent to you on October 16, 2024 addresses your concerns. 

  Should you have any questions or concerns, please reach us by email at [email protected]. 

  Best Regards, 

  The MoneyKey Team 

• Initial Complaint

  Date:09/03/2024

  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.

  Dear all,
  
  I had a loan with moneykey, I previously told them I was in hardship but they refused any help.
  I couldn’t pay the debt, then a few months later they offered a reduced settlement. I was in contact with them to work out a repayment plan.
  I noticed the settlement offer expired on 8/26.
  
  I again emailed them on the morning of 8/27 for a repayment plan, they ignored me, didn’t respond to my email and responded on 8/28 sayings it’s been sold and they cant help.
  
  They told me the debt was sold on 8/28, however, I contacted them on 8/27 - so I should’ve been given an opportunity to pay this off?
  
  I then contacted the collection agency they sold to, they have no record of this…
  
  As you can see from the attachments, I was in contact.

  Business Response

  Date: 09/13/2024

  Dear ******** *******,

  MoneyKey, on behalf of the CCFlow, has received your complaint through the Better Business Bureau (“BBB”) on September 4, 2024. 

  We trust that the email sent to you on September 13, 2024 addresses your concerns. 

  Should you have any questions or concerns, please reach us by email at [email protected]. 

  Best Regards, 

  The MoneyKey Team 

  Customer Answer

  Date: 09/17/2024

  Better Business Bureau:
  
  
  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.
  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  
  Please see attachment where I responded to Moneykey.Moneykey always preclude the BBB from their responses. Please see my response attached to this, Moneykey - please reply only through the BBB so this is recorded.
  
  
  Regards,
  Complaint ID: 22233144
   
  
  
  
   

  Business Response

  Date: 10/02/2024

  Dear ****** *******,
  
  We
  note that your response does not provide any additional or different
  information from what was previously addressed. We have advised you on the
  status of your complaint and would like to reiterate our findings.
  
  We
  have reviewed our records and confirm that you applied and were approved for a
  CCFlow Line of Credit account on January 8, 2024. Our records show that you
  have made only 3 (three) successful payments on your account since you obtained
  the product. The last payment made on your account was on March 18th,
  2024. Your account defaulted as you did not follow the agreed-upon repayment
  terms of your Line of Credit. Reasonable collection efforts were made to
  recover the balance on your defaulted account, where multiple email
  communication advised you on the status of your account and potential sale to
  the third-party collection agency should no resolution be reached. On August
  15, 2024, a final settlement offer email was sent to you, which indicated that
  MoneyKey was willing to settle the account at a significantly reduced balance
  and that you had until August 26, 2024 to accept the offer.  You have not
  provided confirmation and authorization to set up the payment plan on your
  account as per settlement offer on time. You have also not made any payments on
  your account for the period of 6 months and, as such, the debt associated with
  account was sold to an unaffiliated third-party debt collector, Nationwide
  Capital Services LLC d.b.a Structured Settlement (“Structured Settlement”), on
  August 28, 2024.
  
  Please
  note, as your account was sold to an unaffiliated third-party debt collector,
  MoneyKey is no longer involved in any collection activities or credit reporting
  relating to your debt. For further assistance, please contact Structured
  Settlement directly at 1-888-660-3313.
  
  Sincerely,
  
  The
  MoneyKey Team

• Initial Complaint

  Date:06/10/2024

  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 was in a financial hardship last July. Moneykey loaned me 2000$ not KNOWING my interest was going to 100% yes 100%. So as of now I have paid them over 4k and still owe them over 2k. They won’t work anything out and now it’s illegal in mn in the state I’m live. They won’t accept any payments on the phone or online. I want half my money back for fraud. I will be reporting them

  Business Response

  Date: 06/20/2024

  Dear ***** ********

  MoneyKey, on behalf of CCFlow, has received your complaint
  through the Better Business Bureau (“BBB”) on June 11, 2024.

  We trust that the email sent to you on June 20, 2024
  addresses your concerns.

  Should you have any questions or concerns, please reach us
  by email at [email protected].

  Best Regards,

  The MoneyKey Team

  Customer Answer

  Date: 06/24/2024

  Better Business Bureau:

  
  
  
  

  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

  
  

  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  
  
  
  
  
  
  
  
  
  Regards,

  
  

  Complaint ID: 21829770

  
   
  

  
  
  

   

  
  

   

• Initial Complaint

  Date:05/09/2024

  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.

  I was recommended this company through credit karma during a horrible time in my life. I was credited 1800 dollars and made payments regularly totaling 500.00 dollars. I went to check my principal balance and I still owed more than I borrowed. Of the 500.00, 40 dollars went to the principal. I reached out to company bc this has to be a mistake. They said " no, you have a per transaction fee charge that is taken out your payment everytime." I said if I paid 1000.00 dollars only 80 dollars would go to the principal? He said yes that's correct." This has to be criminal, how are predatory company's like this allowed to operate. I asked for an explanation of what this fee actually is and I haven't heard back from them in a week

  Business Response

  Date: 05/17/2024

  Dear * *********

  MoneyKey, on behalf of CCFlow, has received your complaint
  through the Better Business Bureau (“BBB”) on May 9, 2024.

  We trust that our
  email sent to you on May 17, 2024, addresses your concerns.

  Should you have any
  further questions or concerns, please email us at [email protected].

  Best Regards,

  The MoneyKey Team

  Customer Answer

  Date: 05/22/2024

  Better Business Bureau:
  
  
  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below. I have not received an email regarding my complaint nor an explanation for the fee that is taking 90% of every payment made, leaving only 20.00 applied to the principal. 
  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  
  
  
  
  Regards,
  Complaint ID: 21689843
   
  
  
  
   

  Business Response

  Date: 06/07/2024

  Dear * *********

  Thank you for your message.

  We trust that our email sent to you on June 7, 2024, addresses your concerns.

  Should you have any further questions or concerns, please email us at [email protected].

  Best Regards,

  The MoneyKey Team

• Initial Complaint

  Date:04/25/2024

  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 called and made payment arrangements with this company on Tuesday the 23rd of April. Yes I have been arrears but I am working toward catching up. I'm already on a payment plan from one of my back payments. They agreed to reschedule my regular payment
  that was due on April 24th to May 20th all the while keeping up my $44 a week previous balance payment. I was also told that I had until June 26th to pay off everything to keep my account from falling into default and received an email spelling this all out which I have in my possession. In my today sent by the same person that I set up the arrangements with it was a particular nasty email saying that the payment was sent back when no payment was processed. Insinuating I had something bounce which was never submitted to my bank and was not agreed on by me per the previously set up Arrangement on Tuesday April 23rd.

  Business Response

  Date: 05/03/2024

  Dear ******* ******

  MoneyKey, on behalf of CCFlow, has received
  your complaint on April 26, 2024, through the Better Business Bureau (BBB).

  We trust that
  our email sent to you on May 3, 2024, addresses your concerns.

  Should you have
  any further questions or concerns, please email us at [email protected].

  Best Regards,

  The MoneyKey
  Team

  Customer Answer

  Date: 05/08/2024

  Better Business Bureau:

  
  

  I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

  
  

  
  

  
  

  
  Regards,
  

  
  

  
  

  Complaint ID: 21627964
  
  

  
  

  
  

  
  

   

  
  

   

  
  

   

• Initial Complaint

  Date:02/28/2024

  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.

  Dear all,
  
  I took out a loan with Moneykey / CC Bank and have realised the bi-monthly payments are too high and unaffordable for me.
  I have made payments already.
  
  I called Moneykey today (02/28) to explain the situation and asked if I can make monthly payments instead of bi-weekly to help with the affordability issue and they refused.
  They advised they cannot or will not reduce the frequency nor the payment amount until I’ve paid off several months. The other option they have is to not pay and go into a past due status which will lead to credit score being affected and eventually collection.
  I spoke to both an advisor on the phone and their manager who both refused to assist.
  
  Please could you advise what options I have?
  Surely as I’m not in arrears and trying to make a more affordable payment, they should be willing to assist?
  
  Regards
  
  George Halkias

  Business Response

  Date: 03/08/2024

  Dear George
  Halkias,
  

  MoneyKey, on behalf of CC Flow, has
  received your complaint on February 28, 2024, through the Better Business
  Bureau (“BBB”).
  

  We trust that our
  email sent to you on March 8, 2024, addresses your concerns.
  

  Should you have any further questions
  or concerns, please email us at [email protected].
  

  Best Regards,
  

  The
  MoneyKey Team

  Customer Answer

  Date: 03/12/2024

  Better Business Bureau:
  
  
  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.
  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  I have attached the response from MoneyKey, as you can see, again NO resolution nor assistance has been offered to help with payments despite raising my hardship, all they have done is reiterate their contracts. Again, my only request is to reduce the frequency of the payments and the amount (regardless if it’s paid bi-weekly or monthly) to assist with my financial struggle, either by waiving any fees / interest / charges or any other additional amount added to the principle.Other loan companies have waived all fees and/or interest and allowed the principle to be paid at a reduced rate over an affordable period. Some have cut the total due by 50%why does MoneyKey REFUSE any assistance?Currently, the amount due is $313 every 2nd week (total of 626) per month.My request is:1) Remove any fees/interest (or any charges that are masked as such) 2) allow the principle of $3400 to be paid over a longer period3) Reduce frequency of payments from bi-weekly to 1 payment per month of (for example $313) ie: any payment that goes to the $3400 reduces the loan by that amount (eg: $3400-$313 = $3087, next payment of $313 reduces it to $2774) and so on.It is really concerning that MoneyKey refuse to help people in hardship, surely I’m not the only one and this should be taken further and published to warn other unsuspecting customers.
  
  
  
  Regards,
  Complaint ID: 21360008
   
  
  
  
   

  Business Response

  Date: 03/28/2024

  Dear
  ******** ********
  

  MoneyKey, on behalf of CCFlow, is in
  receipt of the rebuttal you submitted regarding your complaint filed on
  February 28, 2024, through the Better Business Bureau (“BBB”).
  

  We trust that our email sent to you on March 28,
  2024, addresses your concerns.
  

  Should you have any further questions or
  concerns, please email us at [email protected].
  

  Best Regards,
  

  The MoneyKey Team

  
  

• Initial Complaint

  Date:02/07/2024

  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.

  Dealing with this unethical company is a NIGHTMARE. First issue:
  These people know that I get paid on the 15th and last day of the month. I have to tell them EVERY single month, as they say I'm late every payment (I pay 2 times per month). I have told them numerous times that if my payday falls on a Sunday or a Holiday, I don't get paid until the FOLLOWING business day. Yet, every time I pay, they have to transfer me to the 'late' department. They say they will get it fixed every time I complain, yet, they don't...obviously.
  
  This issue today is this: I called to pay my payment due on 1.31.24 ON 1.31.24. I have it set up so that I call on each of my pay days to make a payment via my credit card. So...the guy that is taking my payment (2nd contact as they transferred me to the late department again)...says to me "Ma'am, have you already made this payment?". I said NO, that is why I'm calling. He said..."Oh, Okay". He takes my card number and makes my payment. A bit later I checked my checking account and see that there are 2 transactions for the $191.09. I called them and they said they would need to verify this with my bank, so we did a 3 person call to my bank. My bank did verify that there was a double charge, as Money Key had pulled a payment from account, other than the one I made by calling in. They apologized and said they would switch off automatic payments. They didn't know what they could do for me, but, they would talk to their supervisor. He came back on the phone and said they would credit me but it would take a couple of days. I said 'You debited my account for the payment I made in a matter of seconds, please put my money back into my account now". They said they would try. I told them that if they don't get it back in my car insurance would come back and cause my account to be overdrawn with their double payment. "Yes, Ma'am (in a chineese voice) I understand...blah blah blah". All they were giving me was the run around. I wasn't getting anywhere...so, I tried the next day...same issue. Run around and no solution. The next day, same thing. Now my account is overdrawn and it's 2.7.24. Their two payments cleared my bank. I went to my bank to file a complaint, etc. but, then decided all of the hassle of phone call after phone call (lasting 45 minutes to 90 minutes in length and getting me absolutely no where)...I would just leave it. I feel like dealing with them anymore will make my accounts (theirs and mine) get messed up worse. I would like compensation for the overdraft they caused me and honestly...I feel like they should zero out this account and close it with a zero balance. They do not help you. They put you off.

  Business Response

  Date: 02/16/2024

  Dear ****** ********,
  

  MoneyKey
  is in receipt of your complaint filed with the Better Business Bureau (“BBB”)
  on February 7, 2024.
  

  We trust that our email sent to you on February 16, 2024, addresses
  your concerns.
  

  Should
  you have any further questions or concerns, please email us at [email protected].
  

  Best
  Regards,
  

  MoneyKey

  Customer Answer

  Date: 02/23/2024

  Better Business Bureau:
  
  
  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.
  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  It would only let me attach 5 of the screenshots.  This is a horrible company and caused my account to be overdrawn $150.  They knew it, as I contacted them several times.  They did nothing.  At this point, I just want my overdrafts credited.  $150.31 ish.  Thank you,

  Business Response

  Date: 03/07/2024

  Dear ****** ********,
  

  MoneyKey is in receipt of the rebuttal you have submitted
  regarding your complaint filed with the Better Business Bureau (“BBB”) on
  February 7, 2024.
  

  We trust that our email sent to you on March 7, 2024, addresses
  your concerns.
  

  Should you have any further questions or concerns, please
  email us at [email protected].
  

  Best Regards,
  

  MoneyKey

  
  

• Initial Complaint

  Date:11/14/2023

  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.

  Monkey key does not practice fair lending laws or debt collection laws. They stated I defaulted on my loan after 31 days. Not right to cure, no nothing. 31 DAYS! My note agreement doesn’t have the default wording they say it does and 31 day default period is ridiculous. I have been treated unfairly and I believe my default should be removed since I have no made a payment. They have also reported my payments incorrectly for multiple months. I had to dispute them and they corrected them each time. This is a horrible lender and be very careful to take loans from them. They should be investigated for their lending practices.

  Business Response

  Date: 11/24/2023

  Dear ******** ***** 
  MoneyKey, on behalf of CC Flow, has received
  your complaint on November 14th, 2023, through the Better Business
  Bureau (“BBB”).
  We trust that our
  email sent to you on November 24th, 2023, addresses your concerns.
  Should you have any further questions
  or concerns, please email us at [email protected].
  Best Regards,
  The
  MoneyKey Team

  Customer Answer

  Date: 11/29/2023

  Better Business Bureau:

  
  
  
  

  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

  
  

  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  
  
  
  
  
  
  
  
  
  Regards,

  
  

  Complaint ID: 20872171

  
   
  

  
  
  

   

  
  

   

• Initial Complaint

  Date:01/16/2023

  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 have had an account with MoneyKey for awhile now. I had fallen behind on payments but have caught up with what I have missed. For some reason, no matter how many times I pay MoneyKey, my account is still labeled as “past due”. At this point, I feel they are just taking my money and not putting it towards my balance. What I want is to settle and close my account. It’s ridiculous at this point as no matter how many payments I make, it’s not making a difference.

  Business Response

  Date: 01/24/2023

  Dear ****** ******,

  
  MoneyKey, on behalf of CC Flow, has
  received your complaint on January 17, 2023, through
  the Better Business Bureau (“BBB”).

  
  We trust that our
  email sent to you on January 24, 2023, addresses your concerns.

  
  Should you have any further questions
  or concerns, please email us at [email protected].
  
  Best Regards,
  The
  MoneyKey Team

  Customer Answer

  Date: 01/31/2023

  Better Business Bureau:
  
  
  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.
  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  I just made another payment yesterday for my account and it is again telling me that I am past due for $40. It happens every time I make a payment. 
  At this point y’all are stealing my money because I keep making payment yet I’m still past due? It doesn’t make sense to me. 
  
  
  Regards,
  Complaint ID: 18819933
   
  
  
  
   

  Business Response

  Date: 02/16/2023

  Dear Hannah Foster,

  
  MoneyKey, on behalf of CC Flow, has
  received your rebuttal on January 31, 2023, through
  the Better Business Bureau (“BBB”).
  We trust that our
  email sent to you on February 10, 2023, addresses your concerns.

  
  Should you have any further questions
  or concerns, please email us at [email protected].
  
  Best Regards,
  The
  MoneyKey Team