Complaints
Customer Complaints Summary
- 48 total complaints in the last 3 years.
- 26 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:06/30/2025
Type:Order IssuesStatus: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'm not liable with this debt with BLINCLOANS, **** I do not have a contract with the ***************************** They did not provide me with BLINCLOANS, **** original contract as requested.Business Response
Date: 07/07/2025
BlincLoans no longer has the authority to make any changes to Ms. ******** account, as her loan was sold to *********************************** in July 2024. Prior to this transfer, BlincLoans made multiple attempts over a 6-month period to assist Ms. ****** in resolving her outstanding balance, including offering various payment options.
Since this account is now owned by ***********************************, BlincLoans **** no longer has the authority to collect on or manage this account. Ms. ****** may contact *********************************** directly for further assistance. Below is their contact information:
Cascade *********************** LLC
******************************************
*****************
Main: ************To expedite resolution, we recommend that Ms. ******* provide her account details when contacting ************************************
Best regards,
OneBlinc
Initial Complaint
Date:06/27/2025
Type:Delivery IssuesStatus: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 received overpayment through allotment and will not respond to any correspondence.Business Response
Date: 06/27/2025
Hi ******** *******,
Thank you for bringing this to our attention.
After reviewing your account it appears the last payment we received for your account was on 11/25/2022 for $83. Since your account was over 1yr past due, your account was charged off and later sold to *********************************** on 7/22/2024. At this time I do not see any refunds that need to be issued for your account.Please reach out to ******** to see if there is any funds from allotment payments in their system. You can contact them at ************** Mon-Fri 9am-5pm EST.
You can also contact Cascade *********************** LLC ******************************************* Main #: ************ because we sold your account to them so, they will have more information on your account at this time.I hope this helps *** *******,
Best regards,
OneBlinc
Initial Complaint
Date:06/25/2025
Type:Billing IssuesStatus: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 attempting to revoke authorization for OneBlinc to charge my debit card and/or checking account (ACH) for a pending repayment and membership fees. My bank account was compromised and my bank has advised me to stop any charges coming in. They are unable to block Oneblinc from their side, so they informed me I would have to go directly to oneblinc. I have attempted to email and live chat, yet I am getting no response so I will put it here:I am, effective immediately, revoking Oneblinc's authorization to collect any past/current/future due payments from me through debit card or ACH withdrawal. Please cancel my subscription, remove my account information from your app, and confirm that I will NOT be charged to any of my accounts.Business Response
Date: 06/25/2025
Dear *****,
Thank you for your message and for bringing your concerns to our attention.
We understand you are requesting to revoke authorization for OneBlinc to charge your debit card or checking account for any pending or future payments, and that your bank has advised you to reach out to us directly to complete this request. You also requested that we cancel your membership, remove your account information, and ensure that no further charges are made.
Please note that our team responded to your inquiry via email approximately 32 minutes after your initial outreach today. As mentioned in that message, you currently have an active advance on your account. While you may proceed with revoking payment authorization, doing so will restrict your ability to access the app and make payments or request future advances.
To continue the revocation process, we kindly ask that you reply to the email you received so we can proceed with next steps. Once we receive your written confirmation, our revocation process may take up to 3 full business days to complete. During that time, any scheduled payments may still be attempted by our automated system.
We appreciate your prompt attention to the email communication and look forward to resolving this matter in accordance with your request.
Sincerely,
OneBlinc
Customer Answer
Date: 06/25/2025
Complaint: 23517683
I am rejecting this response because:I did respond back in the app that I would like to continue revoking my ACH authorization and also asked that I be provided with confirmation that I will NOT be charged for the current advance on either my bank card or my checking (ACH). I did not receive any reply.
Sincerely,
***** ****Business Response
Date: 06/26/2025
Thank you ***** for continuing with the process through our customer service channels.
Best,
OneBlincInitial Complaint
Date:06/23/2025
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 05/23/25, I requested a cash advance for $250 which was never received. On 05/29/25, I contacted Oneblinc through a chat that they have on their website because they dont offer live over the phone customer service. During this chat they informed me that they have a support team working on my issue and that there is nothing to worry about and they will not debit my account for the funds since the support team was aware of my issue. On 06/09/25, they debit my account for the amount of $250. I contacted Oneblinc once again through their chat and requested to my funds back, they told me that their support team is still working on the issue and they would give me an update whenever they receive one. I havent heard anything back from them since. Its currently 06/23/25, exactly an entire month from when I first requested it. This action was a snow ball effect on my bills, made me late on my rent, and other utilities. Im currently on vacation and I cant do some of the things I planned to do because of this set back.Business Response
Date: 06/25/2025
Dear Mr. **************** you for bringing this matter to our attention, and I sincerely apologize for the inconvenience and frustration this experience has caused you.
After reviewing your case, we agree that your experience did not meet our standards of service. We have completed a full refund of the $250 to the card on file as of today, 06/25/2025. You should see this reflected in your account shortly, depending on your bank's processing time.
Again, we sincerely apologize for the delay in resolving this matter and for the impact it had on your personal finances. We are actively reviewing our internal support workflows to prevent similar issues in the future.
If there is anything further we can do to make this right, please dont hesitate to let us know.
Sincerely,OneBlinc
Initial Complaint
Date:06/05/2025
Type:Billing IssuesStatus: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 admittedly missed a few payments due to my allotment being disconnected from my payroll. What I dont agree with is OneBlinc reporting to the credit agencies that I missed payments for every month after that even when my allotment was reconnected, and I have monthly invoices from my employer and OneBlinc showing the payments are being made. The missed payments should only be reported for the months where payments werent made. On the OneBlinc website it says that your personal loan account is 180 days overdue with an outstanding balance of $1,903.39 when my current total outstanding balance is $2,170.77 as of today. Which is correct? Ive made attempts to pay off this loan online only to be told after hours of trying to communicate with an agent over chat that that option isnt available even thought it allows you to complete the whole process online before erroring out. Not to mention that when I call in, I cant speak to a live person and the recording is telling me that my account is now being serviced by ******************************* as of March 25, 2025. When I contact ******************, Im told they dont have a record of my account. I just want to pay this loan off and be done with it. As well as have my credit report reflect the correct information.Business Response
Date: 06/09/2025
Hi Mr. ****** ******,
Thank you for reaching out and giving us the opportunity to address your concerns.
We appreciate your acknowledgment of the payment interruption due to your allotment being disconnected. However, we would like to clarify the reporting process to the credit bureaus and the current status of your loan.
Your account has been past due since June 2024, and although payments resumed after your allotment was reconnected, the account remains past due due to a remaining unpaid past-due balance. Resuming payments does not automatically bring the account current if the missed payments have not been fully resolved. As a creditor, we are obligated to report the accurate status of your account, which includes any ongoing delinquency caused by unresolved past-due amounts.As of today, your outstanding balance is $2,017.16. The balance previously displayed on the website may have reflected outdated or system-generated information that did not yet account for recent interest accruals or payment activity. We apologize for any confusion this caused.
At this time, online payments are not available. We are currently only accepting manual check payments. If you would like to proceed with paying off the loan, checks can be mailed to:
OneBlinc
*****************
10th **************start="1443" data-end="1446"> ***************
Please make the check payable to OneBlinc and include your loan number (731424) in the memo line.
Please note: Check payments can take 3040 days to post to your account, but interest will not accrue during this processing period.Regarding **************************** your account has not been sold to ******************. Only customers who received direct written notification from ****************** confirming the sale of their loan are affected by such a transfer. Since you have not received such communication, your account remains with ********************, and we continue to service your loan directly.
We understand your desire to resolve this matter promptly and will do our best to support you through the process. If you have further questions or need assistance, please contact us via our official support email at *************************************************************, and we will ensure a representative follows up with you directly.
Sincerely,
OneBlincCustomer Answer
Date: 06/26/2025
Complaint: 23428553
I am rejecting this response because:I understand your point of view, however every month since the last missed payment shouldn't be considered also a missed payment. If I make the payments in December, January and February for instance, then those months shouldn't be reported as missed payments. Bening behind is difference than missing a payment. In regards to your online payment option, that functionality should be removed if it isn't available. I did however mail a check to you in the amount of $2007.53 on June 6th which was received by OneBlinc on June 9th and confirmed by my bank to have been cashed. This was a certified check not a personal check, so the funds are guaranteed. Can you explain why it's taking so long to update the balance on my account. It shouldn't take ***** days to reflect a payment, especially when a missed payment is reflected immediately. When I look at my credit report, it indicates that my balance as being reported by OneBlinc is $2704 which by your own omission is inaccurate. The resolution I'm seeking here is for my OneBlinc account to reflect the current and correct balance, with my payment of $2007.53 being applied. I would also ask that the correct balance and account history be reported to the credit bureaus. Regarding Monterey Financial Services, it might serve your continued customers well if your phone messaging was clearer in distinguishing between which accounts may or may not have been transferred to them.
Sincerely,
****** ******Business Response
Date: 06/27/2025
Thank you for *** ****** for reaching out to us for more clarity.
In the case of your check it has been received and processed and you shall see that payment updated on your credit bureaus in the **** report we will be submitting at the end of this month (****.) The credit bureau reports are sent once a month and that is why we tell our customers that paid in full payments or check payments can take up to 30 days to update in their credit report.
Once the account has been fully satisfied we will report your account as paid in full and closed.Thank you again for contacting us *** ******.
Best regards,
OneBlincInitial Complaint
Date:05/27/2025
Type:Product IssuesStatus: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.
Received an email saying an advance was taken out in my account for $250. I never requested that one. I had previous advances but went to login and it wouldnt let me. I clicked forgot email and put in my number it was a completely different email address. I called customer service and all they said was its been forwarded to our team. If I had to guess the $250 was sent to someone elses account and Ill end up being the one to pay for it.Business Response
Date: 05/28/2025
Hi Mr. ***** ******,
Thank you for bringing this matter to our attention, and we sincerely apologize for the confusion and concern this situation has caused.We have reviewed the issue regarding the unauthorized $250 advance referenced in your complaint and want to assure you that you are not responsible for this transaction. Our team has confirmed that this was not an advance you initiated, and you will not be held accountable for repaying the $250.
We are currently conducting an internal investigation to determine exactly how this occurred. As part of that process, we are also reviewing the access issues you experienced with your BlincAdvance app *********** will soon receive a follow-up email from us with instructions on how to securely regain access to your account and confirm your contact information.
To summarize:
-The $250 advance was not initiated by you and has been flagged as unauthorized.
-You are fully absolved of any repayment obligation related to this transaction.
-Our team is actively working to remove the $250 advance from your payment history.
-We will be in touch via email shortly with the next steps to help restore your access and account security.We appreciate your patience and understanding as we work to resolve this issue quickly and thoroughly. If you have any questions in the meantime, please dont hesitate to reach out to our support team for further assistance.
All the best,
OneBlincCustomer Answer
Date: 05/29/2025
Complaint: 23380844
I am rejecting this response because:There has been no follow up email and when I asked how I went from a $50 advance eligibility to the hacker having $250 the other day the lady on the phone couldnt tell me.
Sincerely,
***** ******Business Response
Date: 05/29/2025
Hi *****,
You received the communication that was mentioned in the previous response today.
The amount was reset to the starting level and that can be changed by contacting our customer service as mentioned in the email you received today.
I will escalate your account manually, that way the level will be reset to the previous amount once your $50 advance is paid back.
Best,
OneBlinc
Initial Complaint
Date:04/29/2025
Type:Service or Repair IssuesStatus: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.
This company has an app that is a cash advance app with tier increases based on on-time repayments. I worked my way up to their highest tier ($250) and have consistently paid them on time with not ever missing a payment (they can confirm). Their app experience some sort of issue or hack that effected users. My account was affected so when I reached out they informed me to make and new account but assured me my limit would be reset. Today is 4/29/2025 this first occurred on 4/8/2025. I have email threads of me reaching out to their customer service and them assuring me they will reset my limit and I haven't received any update. The issue is their app wasn't hacked enough for them not to take the money out of my account but when I needed to request as I usually do, all of a sudden there was a hack. This affected my ability to pay my light bill and almost ended with me getting my lights shut off. Now I am in a hole and simply want them to reset my account limit back to what it was so I can get my $250 back.Business Response
Date: 05/01/2025
Hello Mr. ****************** you for reaching out and for your continued trust in us. We sincerely apologize for the frustration caused by the recent app issue and the delay in restoring your advance limit. Youre absolutely right based on your strong repayment history, your account should be reset to the $250 tier as previously confirmed.
To move forward with the reset, we first need to resolve the past due $50 advance currently on your account. Once that payment is completed, our team will manually adjust your limit back to $250 within 24 hours.
We understand how important access to these funds is, especially when it impacts essential needs like utility payments. Please rest assured were committed to resolving this promptly and appreciate your patience as we finalize this process.All the best,
The Blinc TeamCustomer Answer
Date: 05/01/2025
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:04/21/2025
Type:Billing IssuesStatus: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.
One blinc transferred my account to ******************* I have never paid late but instead of marking my account as transferred, one blinc marked my account as charged off on my credit report. I emailed one blinc customer service and Im being told my account was marked as transferred and I need to personally submit a dispute to the credit bureaus. ****************** is saying one blinc is the only company that can fix this and they have been receiving calls about this issue all day. I would like this incorrect charge off removed from my credit report.Business Response
Date: 04/29/2025
Hi Mr. ********************* you for bringing this to our attention. You're absolutely right your account was never charged off, and we sincerely apologize for the error in how it was reported. The issue has since been corrected, and the fix was completed on April 22nd. You should now see the accurate "transferred" status on your credit report after refreshing it, or within the next 10 business days.
We understand how frustrating this must have been, especially given your consistent payment history. Please know we take this matter seriously and have worked directly with ****************** and the credit bureaus to ensure the correction is reflected properly.
If you have any questions or need further assistance, we're here to help.
Initial Complaint
Date:04/02/2025
Type:Order IssuesStatus: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 not accountable for the debt associated with BLINCLOANS. There is no contract between me and BLINCLOANS, and they have not provided the original agreement as requested.Business Response
Date: 04/02/2025
H,
BlincLoans no longer has the authority to make any changes to Mr. ************ account, as his loan was sold to *********************************** in July 2024. Prior to this transfer, BlincLoans made multiple attempts over a 15-month period to assist Mr. **************** in resolving his outstanding balance, including offering various payment options and extending a special loan restructuring offers throughout 2023.
Since this account is now owned by ***********************************, BlincLoans **** no longer has the authority to collect on or manage this account. Mr. ********** may contact *********************************** directly for further assistance. Below is their contact information:
Cascade *********************** LLC
******************************************
*****************
Main: ************
To expedite resolution, we recommend that Mr. ********** provide his account details when contacting ************************************Best Regards,
The Blinc TeamInitial Complaint
Date:04/01/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
**Complaint Statement:**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: 04/02/2025
BlincLoans no longer has the authority to make any changes to Ms. ******** account, as her loan was sold to *********************************
Ms. Hunters history with BlincLoans began in October 2021, when she applied for and received her first loan with us. During this application process, she provided a valid Texas drivers license, a copy of her most recent pay stub, a picture of her allotment confirmation, connected her **** payroll profile, and linked her checking account via Plaid. All of this information was used to verify her identity and income to qualify for a OneBlinc loan.
In addition to the loan received in October 2021, Ms. ****** refinanced her loan with us four more times. With each refinance, additional documentation was requested by OneBlinc and provided by Ms. ******* Throughout this period, she consistently connected her bank account and added **** debit cards to receive loan deposits instantly.
Since this account is now owned by ********************************, BlincLoans **** no longer has the authority to collect on or manage this account. Ms. ****** may contact *************************************;directly for further assistance. Below is their contact information:
********************************
**************
P.O. Box 5199
*******************-5199
**********************************************************
*************************
To expedite resolution, we recommend that Ms. ****** provide her account details when contacting *********************************
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