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:04/22/2025

  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 was told that my debt was paid off and it wasn't. The company was **************** and was supposed to be closed in 2023. That tried to blnae it on some thing that took place 18 months after the fact. But they caught themselves and finally admitted they were wrong. But I want my money back because they charge me $42.95 a month plus another $3.95. so that's 18 multiplied by 43 which is $774.00 I was being lied to and mislead by this company making me believe they were actually paying my debts.

  Business Response

  Date: 04/22/2025

  This client defaulted the Credit Cube SIF because of his NSF payments. We have successfully settled his **************** account at 40%, Lendly ******* at 45%, Bestegg at 54%, and Credit one for 50%.We are currently in active SIF on 2 accounts, Credit one at 80% and ****** at 50% and he only has 3 accounts left to settle, one of them being his defaulted Credit Cube account.We have settled 59% of all the debt he has enrolled with us, despite his inconsistent payment history. I have no idea where he's getting the fees he believes we charged as there are no performance fees, nor CFT fees, for those amounts.

• Initial Complaint

  Date:04/01/2025

  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.

  Back in September 2024 I received a phone call from Greenwise Financial and the person was named ****. He called me I don't know how they got my phone number. Said could help me. Sent an a.ountvof $270 a month for 5 years and would be directly taken out of the checking account. The first month was taken out the second one a bit of an issue. The next 2 months nothing was taken out of the checking account. On December 26, 2024 I received an email saying that they were closing the account out. I called never gave me a true answer. The refund for one month they took out of my account was not $279 but $141. I called Greenwise talk to someone at the front desk said this account had escrow in it. I was never told that. The person at front desk said would get back to me as to why they're bank never gave me the full amount. The person never got back to me. Also this company is not BBB approved and they told me they were.. what I would like is an answer why they played games with me. And I would like the full amount of $270 refunded. What they did on my part is fraud.

  Business Response

  Date: 04/14/2025

  This client was cancelled after 3 Months of no payment from a stop payment. Client had called to change the 10/25 payment on 10/24 after the payment already started processing, and we could no longer stop it to help her. She issued stop payment. We tried multiple times to reschedule her deposit, and when we finally spoke to her on 11/22/24 to reschedule the Oct payment and confirm November payment, she advised she didn't know when she can make payment and hung up the call.  We spoke with her again on 12/2, 12/9,   and 12/20 we again tried to reschedule and she once again advised she knows about the missed payments and would call when she could pay again and hung up. on 12/26, after 90 day of no payment despite our many contact attempts and no luck rescheduling her, we Force cancelled her account. Her refund was $270.49 - ($9.95*6 CFT fees) - ($19.99*4 LDP Fees) = $130.83 - $3 check fee from CFT to mail refund = $127.83 issued to client.

  Customer Answer

  Date: 04/24/2025

  The payment for November and December I called them each time said could make payment. I am not going along with the response. I was never told that this account had escrow in it. I found out when I called the company. I would like a check in the full amount sent to  me in the amount of $270. Also the date the check was sent to me 12/26/2024 that was the date email was sent to me saying that the account was being cancelled. I found this a bit strange.

  Customer Answer

  Date: 04/24/2025

   
  Complaint: 23145329
  
  I am rejecting this response because:

  The payment for November and December I called them each time said could make payment. I am not going along with the response. I was never told that this account had escrow in it. I found out when I called the company. I would like a check in the full amount sent to  me in the amount of $270. Also the date the check was sent to me 12/26/2024 that was the date email was sent to me saying that the account was being cancelled. I found this a bit strange.
  
  Sincerely,
  
  ***** ****

  Business Response

  Date: 05/07/2025

  Hello,

  We tried calling her multiple times to make up her missed drafts and each time she actually answered, said she couldn't and hung up on the agents. On the final attempt in Dec, she said to take payment, but hung up before we could address the Blocked account and reschedule, and would not answer any of our subsequent calls.

   

  Customer Answer

  Date: 05/21/2025

  This is one big lie never called me about the missed draft. Very little communication at all. When I did call just got a run around. On December 26, 2024 all I got  was an email  saying that they were  closing out the  case. And on that day a check was sent. But not the full amount I paid.  Was much less the amount I paid for  one month was $270. This check was in the amount of $147. When I did call the office  person at front desk said would have to call their bank to find out what happened.  And would  call me  back, but never did. What was done to me I feel it  was FRAUD.

   

  .

  Customer Answer

  Date: 05/21/2025

   
  Complaint: 23145329
  
  I am rejecting this response because:

  This is one big lie never called me about the missed draft. Very little communication at all. When I did call just got a run around. On December 26, 2024 all I got  was an email  saying that they were  closing out the  case. And on that day a check was sent. But not the full amount I paid.  Was much less the amount I paid for  one month was $270. This check was in the amount of $147. When I did call the office  person at front desk said would have to call their bank to find out what happened.  And would  call me  back, but never did. What was done to me I feel it  was FRAUD.
  
  Sincerely,
  
  ***** ****

  Business Response

  Date: 05/22/2025

  Client enrolled in August. Client moved her first scheduled deposit to her bank account in September. Client put a stop payment on the October draft. Client informed she would make scheduled deposit at a later date when funds became available. We have the call logs from all of the attempts to contact client throughout the remainder of the year. The client became canceled due to not making the deposits that client agreed in the contract for three months in a row. When client does not commit to the program, we are unable to perform on the contracted services. The client was charged fees by the Bank (not Greenwise who can only make fees when a settlement is approved by client) for the time her bank account was opened and remainder was sent to client as a check when the account was closed.

• Initial Complaint

  Date:10/04/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been constantly getting spam mailed by this company. I have never signed up for anything they offer yet they continually spam mail me all day, every day. The attached files are just one example. When attempting to unsubscribe, their unsubscribe link is an apparent phishing attempt to get passwords and logins.I would like for them to stop sending spam messages to me and stop spoofing recipients and senders that aren't legitimate. I know that the company will respond saying that I must have made a mistake, but I have tracked the emails sent from their servers back to them through all of the hops and this company is the one that has generated all of these emails.

  Business Response

  Date: 10/29/2024

  Dear ****,

  We apologize for any inconvenience caused by these unwanted emails. We have made sure to add your email to our do not contact list. 

  Could you kindly forward one of the emails in question to ************************************************** so we can investigate any technical issues?

  Thank you,

  Greenwise

  Customer Answer

  Date: 10/29/2024

   
  Complaint: 22380700
  
  I am rejecting this response because:

  I forwarded you many examples of the trash that you sent me multiple times a day. With all of the headers intact. You might try to say this is resolved, yet I still get spam emails from your organization. 

  I really like how they are all "confirmation numbers" to try to get past the spam filter and the to address is spoofed so that I can't filter the email based on who you send it to or from. Companies like yours that spam incessantly are a blight to this world. If you continue to spam me, I will be looking at reporting your org based on the CANSPAM act. 

   

  
  Sincerely,
  
  **** *****

  Business Response

  Date: 11/13/2024

  Hi ****

  Thank you for sending as attachments. I can't see where the email was sent from. It could be a 3rd party affiliate. Can you please forward the original email (not attachment) to ************************************************** Attn: ***** *****.

  I'll make sure this is taken care of right away.

   

  Thanks

  Greenwise

  Customer Answer

  Date: 11/25/2024

   
  Complaint: 22380700
  
  I am rejecting this response because:

   

  I forwarded the emails to you over a 3 day period. They were not attachments. You will need to review the emails I forwarded to you again. 
  
  Sincerely,
  
  **** *****

  Business Response

  Date: 12/09/2024

  Hello ****,

  We have added you to our Do Not Contact list. Is there something else we can do for you?

  Sincerely,

  Greenwise Financial

  Customer Answer

  Date: 12/10/2024

   
  Complaint: 22380700
  
  I am rejecting this response because:

  As of this morning, I received 3 more spam messages from your organization. I am not sure that you know how to remove a person's email address from your spamming system. I generally get between 5 and 20 messages a day from your organization and I have never interacted with you before. I am not sure how you got my email address, but it is becoming frustrating dealing with the constant flow of spam regarding predatory loan services that your company offers. 

  I will be filing next with CANSPAM to see if the financial penalties can get proper action taken to remove my email address from your system.
  
  Sincerely,
  
  **** *****

  Business Response

  Date: 12/16/2024

  Hi ****

  Can you please forward an example of a recent email you have received? It could be from a marketing partner so I'd like to see it and take the appropriate steps.

   

  Thanks

  Greenwise Financial

  Customer Answer

  Date: 12/17/2024

   
  Complaint: 22380700
  
  I am rejecting this response because: I have just forwarded about 20 of the emails that I have received today and yesterday to the ********************************************************************************************* email address. The issue is not resolved, I am still getting email spam every few minutes from this company and the other companies in their orbit.
  
  Sincerely,
  
  **** *****

• Initial Complaint

  Date:09/23/2024

  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.

  My main problem with this debt consolidation company called GreenWise financial has decided to cancel my account on their own part though ever contacted him several times and explaining and breathing to them that I didn't cancel my account I called to get my refund that I was already told would not be taken out of my account. They are now reviewing to refund my money even though I have a family emergency to where my daughter is hospitalized and I've told them this and they breaks my contract and still refuse a refund my money. This truly feels like a scam and I've been hung up on multiple times something needs to be done. I want my refund because I was told I would get it and now the reviews it and this was done on September 21st of 2024 and I'm over it.

  Business Response

  Date: 11/04/2024

  Dear *****,

  This involved 3rd parties and we worked on your behalf to get it resolved. We have been trying to reach you.

  On September 25, 2024, you were sent $102.12. The only fees that were not sent back to you were your third party fees including banking.

  Because the issue took a bit longer to resolve, Greenwise will refund your parties fees of $39.89. This will be mailed to your address on file.

  Please do not hesitate to reach out with any further questions.

   

  Thank you,

  Greenwise

   

• Initial Complaint

  Date:08/20/2024

  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.

  Im so angry and disappointed for the lack of responsibility from this company. Back in 12/2023 a settlement for my credit card with **************** was reached. But Greenwise failed to pay **************** and now I been sue by ***** Fargo. I ended up retaining an attorney to help me with this legal matter and spending more money than what initially planned. The supervisor I spoke with stated that the monthly deposit of $491 dollars was not enough money to pay my debt. I asked her why I was not informed about the issue and instead they failed by no paying the card. The supervisor accepted that they dropped the ball and failed to communicate the situation to me. Also, she told me that they were having communication issues within the company. They still not reach an agreement with two of my cards and they are not doing anything to work on it and avoiding more legal issues for me. The company only care about numbers and the money they will be charging customers for their service. They do not care about customer debt.

  Business Response

  Date: 09/04/2024

  Hello,

  The client had 6 settlements  out of 10 credits enrolled in the program, including a settlement with her other ***** Fargo card. We successfully got a settlement for the second ***** Fargo card, in October 2023 before any legal outcome was initiated; it would have required her to increase her monthly savings by $64 per month to settle her balance of over $6600 and she declined. The $491 was already paying for her 6 other debts.

  Customer Answer

  Date: 09/04/2024

   
  Complaint: 22169632
  I am rejecting this response because:

  I didnt receive any notification from the company that we needed to increase the monthly draft nor I was inform how much needed to be increase. They need to put  in place better practice, and improved their communication skills. Also, I never received in written or via email a notification of any issues with my account or changes to the initial contract. Or a letter telling me that I needed to increase the draft and if I decided not to increase the draft they were going to stop making payments on the **************** cards. By the way both cards were settled by the *** Greenwise stop paying one of the cards. Im Hispanic but not stupid. Do you think that I will not care to pay a settle card knowing that it could open the door to a legal issues? In March 2024 I received a letter from an attorneys office telling me that I was getting sue by ***** Fargo. I called Greenwise and spoke to the Spanish speaker representative **** and informed him about the letter that I received and email him a copy. He assured me that both **************** cards were getting paid and to disregard the letter. Little to know two months later I was served. The speaking Spanish team have a big communication issues. Ask to one of your supervisors ********, she accepted that she was having serious communication issues with her team, and also she accepted that they dropped the ball and failed to pay the card and to communicated the issue to me. They hide the information and the issue from me. The team is not professional, they lack of knowledge, they do not care about peoples financial situation, and they are there for the check. I dont understand why having this huge internal issue dont accept the reality. Trained your employees, have better practices, increase your communication skills to avoid monetary losses for your customers. We get into a debt consolidation programs to resolve financial issues not to get into more financial troubles. It was my fault trusting Greenwise. Shame on you for making a profit on peoples hardship by not helping, and not taking responsibility of wrongdoing. 

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

• Initial Complaint

  Date:01/23/2024

  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.

  Calls multiple times a day. Have asked them to stop and they keep calling, not leaving a voicemail and then got upset that I angrily told them to stop calling my phone number. Just stop calling. It's that simple

  Business Response

  Date: 01/25/2024

  Hi ********

  I apologize for any inconvenience. I will make sure you are added to our DO NOT CALL list right away.

  Sincerely,

  Greenwise Financial

• Initial Complaint

  Date:11/18/2023

  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.

  They have started calling me looking for *******, and I am not *******! Ive been told this multiple times and they keep calling. *** asked them to take me off their call list and theyve said multiple times that they have. They are calling at night and on the weekends

  Business Response

  Date: 11/19/2023

  Hello,

  We are sorry for the inconvenience. We've added the phone # submitted with this comment to our do not call list. If you have other phone #'s you would like us to add please provide them and we will do so immediately.

  Thank you,

  Greenwise Financial 

• Initial Complaint

  Date:11/02/2023

  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 receive multiple calls a day Ive blocked them then they call from another local number and they never leave messages. Apparently if someone doesnt answer or call back they dont want your services. I just want it to stop.

  Business Response

  Date: 11/03/2023

  Hello

  I'm sorry you have received unwanted calls. If you can provide me your phone #, I will make sure you are added to our Do Not Call list right away.

   

  Thank you,

  Greenwise Financial

  Customer Answer

  Date: 11/03/2023

  My number is ************

  please remove from call list. Thank you!

  Business Response

  Date: 12/14/2023

  Hello

   

  We have added your number to our DO NOT CALL list.

  Please allow ***** hours for it to be in effect.

   

  Thank you,

  Greenwise Financial

• Initial Complaint

  Date:08/05/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Quit calling from multiple numbers . I have all their numbers on call block. So tired of thm calling from across the country. STOP it!

  Business Response

  Date: 09/27/2023

  Hello

   

  We apologize for not responding sooner. We have placed your number on the *** list.

  Please reach out to us if you have any questions. Sorry for the inconvenience.

   

  Best regards,

  Greenwise Financial

• Initial Complaint

  Date:06/20/2023

  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.

  Weve been buying your turkey bacon for so long and love it. Unfortunately I dont think Ill be buying anymore. The last 3 times weve bought the bacon it has a layer of slime on it. It never used to have this so why is it happening? Very disgusting, disappointing and waist of food and money.

  Business Response

  Date: 06/22/2023

  Hello-

  You must have ** mistaken with Greenwise Supermarket. We are a financial services company. We do not sell bacon or any food. We help people get out of debt.

   

  Thanks,

  Greenwise Financial Solutions