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:06/06/2025

  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 have a current loan with Crediterium and I am trying to obtain my payment schedule and loan payoff. I have attempted to login to my account but am told that my login credentials are incorrect. I have called in multiple times only to speak with an agent named ******* that told me to find someone else to get info from and hung up the phone. I have emailed and called back multiple times but I continue to be hung up on and nobody is willing to speak with me. I would like assistance

  Business Response

  Date: 07/07/2025

  To Whom It May Concern,
  This is to confirm that the complaint has been resolved and the customer was able to pay off the loan in full on June 13, 2025.
  

• Initial Complaint

  Date:02/14/2025

  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 have repeatedly told this merchant to not withdraw funds from my account. Now i am having insufficient fees added to my account

  Business Response

  Date: 03/04/2025

  Dear BBB,
  Thank you for bringing this matter to our attention. We take our customer service seriously and are committed to resolving any concerns in a fair and transparent manner.
  After reviewing the details of Ms. ****** *****' complaint, we would like to clarify the following points:
  

  Cancellation Policy and ************************start="603" data-end="606">As per the signed loan agreement, Ms. ***** acknowledged and accepted our cancellation policy, which allows for the cancellation of the loan within 3 days of signing the contract without penalty. This policy also clearly states that any payments made will be refunded within 10 days if the loan is canceled within this 3-day period.
  

  No ***************************************start="983" data-end="986">While Ms. ***** has mentioned multiple instances of notifying us not to withdraw funds, we have not received any formal cancellation notice from her. According to the loan agreement, the cancellation notice must be signed and dated, and either mailed or delivered to the address provided. As of today, we have not received any such paperwork from Ms. ****** and no cancellation request has been formally processed on our end.
  

  Communication on 12/27/2024:
  We did receive a call from Ms. ***** on December 27, 2024, during which she inquired about the details of her loan, including due dates, refinancing options after four payments, and extension options. At no point during this conversation did Ms. ***** express a desire to cancel the loan or formally request a stop payment. We provided all the requested information as per the terms of the agreement.
  

  Loan ************************start="1886" data-end="1889">The loan agreement clearly outlined that the cardholder authorized a deposit of $300 on December 16, 2024. The agreement also stipulated that the loan would be repaid in 11 installments, with the first payment successfully collected. Ms. ***** has made one payment to date and has not indicated any formal cancellation of the loan.
  

  Insufficient ********************start="2256" data-end="2259">We understand that Ms. ***** is concerned about insufficient funds fees. However, as noted in the loan agreement, the payment schedule and repayment obligations were clearly outlined, and we are not responsible for any fees incurred due to insufficient funds on her account. We strongly recommend that Ms. ***** review her account and communicate directly with her bank regarding any fees related to insufficient funds.
  

  In conclusion, we regret any inconvenience Ms. ***** has experienced, but we are bound by the terms of the signed agreement. We are committed to working with our customers and encourage them to follow the established procedures for cancellation if they wish to proceed in that direction. If Ms. ***** would like to discuss the cancellation further, we are happy to assist as long as the necessary paperwork is submitted.
  

  Thank you for your time and attention to this matter.
  

  Sincerely,

• Initial Complaint

  Date:12/13/2024

  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 am not liable for this debt with DRS. I dont have a contract with Crediterium, they did not provide the original contract as i requested.

  Business Response

  Date: 01/06/2025

  Dear ****************** am writing in response to the complaint filed by ****************** ****** regarding the loan he received from Crediterium. We take customer concerns very seriously and are committed to resolving any misunderstandings or issues in a fair and transparent manner. Please allow me to clarify the details surrounding ******************* loan.
  

  1. Loan Agreement
  Mr. ******* ****** has indicated that he does not have a contract with Crediterium. However, we have reviewed our records, and it appears that Mr. ******* ****** did, in fact, enter into a loan agreement with Crediterium for a $300 loan. The loan was disbursed to his *********** account ending in 3571 on March 17, 2023. A copy of the signed contract, which clearly outlines the terms and conditions of the loan, is attached to this letter for your reference.
  

  2. Payment History
  According to our records, no payments have been made by Mr. ******* ****** towards this loan. As a result, the account was eventually written off and transferred to a third-party debt collection agency for further action. We understand that this may have caused confusion, but we want to ensure that Mr. ******* ****** is aware of the full circumstances regarding this loan.
  

  3. Desired Settlement
  Mr. ******* ****** has requested that the loan be removed from his credit report. While we sympathize with his situation, we must inform him that, as the loan was charged off and sold to a third-party debt collection agency, it is no longer under our control. Any adjustments to his credit report would need to be addressed directly with the credit bureaus.
  

  4. Next Steps
  We recommend that Mr. ******* ****** contact Experian, as they are the credit bureau that maintains his credit report, to inquire about the status of his credit report and any potential actions related to this debt. If there are discrepancies in the reporting, Experian will be able to assist him in resolving the issue.
  Please note, the debt has been transferred to the collection agency, and we are unable to make any further adjustments to the credit report at this stage. Should Mr. ******* ****** have any questions or concerns regarding his credit report, Experian is the appropriate point of contact for resolution.
  We have attached the signed loan agreement and additional documentation to help clarify the situation. If Mr. ******* ****** has any further questions or would like additional information regarding the loan, we remain available to assist.
  

  Thank you for your time and attention to this matter.
  

  Sincerely,

  CREDITERIUM

  Customer Answer

  Date: 01/17/2025

   
  Complaint: 22681838
  
  I am rejecting this response because: there was not contract attached to the *** to verify that the debt is mine.
  
  Sincerely,
  
  ****** ******* ******

  Business Response

  Date: 01/30/2025

  Attached you'll see both the agreement ****** ******* ****** has signed with us; as well as payment schedule he also agreed on. Please note there are IP Addresses attached to each of his signatures. Contract is valid and not fulfilled by the client

• Initial Complaint

  Date:11/21/2024

  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.

  After signing a contract with this predatory payday loan company, unfortunately,I realized I am unable to make payments. I sent a letter revoking access to my bank account via ach, debit, or any other withdrawal methods via **** Certified Mail, email to their support email address, and also uploading the letter to their customer portal. They are still attempting to make withdrawals to my account. Their customer service person, ******** is a horrible human being and he told me they're going to keep making withdrawal until they get their money.

  Business Response

  Date: 12/04/2024

  Hello,

  Thank you for reaching out regarding Mrs. ***** *****. She requested a loan of $500 but, unfortunately, breached the contract. We have been trying to contact her to either cancel the loan and have the funds returned without any penalties or fees, ensuring she does not have a loan going into past-due status, in-house soft collections, or third-party collections on her record. Unfortunately, we have not been able to reach her.
  
  We will continue our attempts to contact her to provide assistance during this time of need and have placed a hold on any automatic debits from her account, as she requested. At Crediterium, every customer is important and valued.
  
  If you are able to get in touch with her, we would be more than happy to cancel her loan and stop any further actions once the funds are returned.
  
  Thank you, and have a great rest of your day.
  
  Best regards,
  ******** *****

  Customer Answer

  Date: 12/04/2024

  I don't have the money to repay the loan, unfortunately. I no longer give authorization for Crediterium to make withdrawals from my bank. At this time, the only answer I have for this situation is they place me in collections. 

   

  That said, Crediterium no longer has my authorization or consent to make withdrawals from my bank account. 

  Customer Answer

  Date: 12/05/2024

   
  Complaint: 22589205
  
  I am rejecting this response because:

  I don't have the money to repay the loan, unfortunately. I no longer give authorization for Crediterium to make withdrawals from my bank. At this time, the only answer I have for this situation is they place me in collections. 

   

  That said, Crediterium no longer has my authorization or consent to make withdrawals from my bank account.
  

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

  Business Response

  Date: 12/18/2024

  ***** ******* payments were never successfully processed. As per ***** ******* request, we will not attempt to collect payment through our regular payment channels and will make no further attempts to collect the debt.
  

• Initial Complaint

  Date:11/06/2024

  Type:Sales and Advertising 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 contacted them several times over the last few months stating that I needed to temporarily stop automatic withdrawals due to financial hardship. They continued taking the money out of my account. I had to pay my bank $30 to stop payments.

  Business Response

  Date: 11/19/2024

  Complaint ID: ********
  Customer Name: ***** *********
  Customer Number: ******
  Loan Number: ******
  
  Subject: Response to Consumer ACH Dispute Resolution for ***** *********
  
  To Whom It May Concern:
  I hope this letter finds you well. We are writing in response to your recent correspondence regarding the Consumer ACH Dispute Resolution for ***** *********.
  
  Ms. ********* is disputing two charges: ****** on 10/04/2024 and $****** on 10/18/2024. It is important to note that Ms. ********* authorized these payments to be withdrawn from her account as part of a loan agreement. According to our records, she agreed to a loan consisting of 10 payments of $****** starting on 09/20/2024, followed by a final payment of $183.01 due on 02/07/2025, for a total of 11 payments. This is detailed in the attached loan agreement.
  
  Regarding the cancellation policy, the customer may cancel this contract without any penalty or obligation within three days after the date the contract is signed. If the client chooses to cancel, any payment made under this contract will be returned within 10 days after the receipt of the cancellation notice by the credit service organization.
  
  To cancel the contract, the client must mail or deliver a signed and dated copy of the cancellation notice, or other written notice, to:
  CREDITERIUM TX LLC
  Attn: **************** Department
  *************************************************************
  ********************
  
  We did not receive any prior notification from the client indicating that they did not wish to be charged. While we will accept this complaint as the client's request to cease future payment withdrawals, it does not negate the validity of the charges that have already been processed.
  
  Attached is a copy of the loan agreement for your reference. We appreciate your attention to this matter and look forward to your prompt response.
  
  Sincerely,
  Crediterium.

• Initial Complaint

  Date:11/04/2024

  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 had a payday loan with this company, which ended on 10/9/24 paid in full and two weeks later another loan payment was taken from my account now there telling me the only way I can get my money refunded is by filing a dispute with my bank.

  Business Response

  Date: 11/14/2024

  I am writing in response to the complaint filed by our client, ***** ******, regarding an erroneous charge of $136.87 on October 24, 2024, after the client had paid off their loan on October 10, 2024. Upon investigation, we determined that the charge was the result of an automated error in our collections bot, which incorrectly processed a payment after the loan was settled.

  
  We have verified that the client fully paid off their loan on October 10, 2024 and that the subsequent charge was a mistake triggered by our system. The client has already submitted a chargeback, and the $136.87 has been refunded in full.

  
  We will also be contacting the client directly to apologize for the error, confirm that the refund has been processed, and ensure that they are satisfied with the resolution.
  We sincerely apologize for any inconvenience this error may have caused and assure you that steps have been taken to prevent similar issues from occurring in the future. We have reviewed and updated our automated systems to ensure such charges are no longer processed incorrectly.

  
  Thank you for your attention to this matter. We appreciate your assistance in resolving this issue, and we remain committed to providing excellent customer service. Should you require any additional information or documentation, please do not hesitate to contact us.

  
  Sincerely,
  ******** *****
  Administrative Department
  CREDITERIUM

  ************  |  ***************************************************
  
  **************************

  
  

• Initial Complaint

  Date:06/27/2024

  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 recently took out a small loan of ****** through this company. The payment WAS supposed to come out ACH from account# of bank. However it came from the debit card. Here is the issue. There is NO way on the site to change the way payments should come out! I revoked in plenty of time through a contact method(support@crediterium) and NO one replied!!!!!!!! I asked and wanted them to revoke card payments due to fraud and bank shutting card off. I gave them plenty of notice and told them I would update them with new card number. I even called the week of June17th. They said would note the account. The payment of approximately ****** came out on the 26th of June. I can upload proof at a later time today. Just asking for a refund of this amount. In a bind and will mail them the payment.

  Customer Answer

  Date: 06/28/2024

  They have NO where on this site to change payment options ??????I did NOT authorize the debit card transaction and gave them plenty of notice??if there going to have an email for contact information then they should follow through with that option ??

  Business Response

  Date: 07/10/2024

  I am writing to inform you about the payment status for Mrs. ********* contract with Crediterium. The contract consists of 11 installments of $157.31 each, and so far, only one installment has been paid.
  
  The payment was initially attempted via ACH but was rejected. As per the signed contract dated June 7, 2024, when this occurs, the payment is then processed via debit card, which is the second method of payment stipulated in the agreement.
  
  There are 10 remaining installments to be collected. We invite Mrs. ******* to contact us if she needs any assistance. Our customer service team can be reached at ************, and one of our agents will be happy to help.
  
  Thank you for your attention to this matter.
  
  Best regards,
  
  Crediterium Team

  Customer Answer

  Date: 07/11/2024

   recently took out a small loan of ****** through this company. The payment WAS supposed to come out ACH from account# of bank. However it came from the debit card. Here is the issue. There is NO way on the site to change the way payments should come out! I revoked in plenty of time through a contact method(support@crediterium) and NO one replied!!!!!!!! I asked and wanted them to revoke card payments due to fraud and bank shutting card off. I gave them plenty of notice and told them I would update them with new card number. I even called the week of June17th. They said would note the account. The payment of approximately ****** came out on the 26th of June. I can upload proof at a later time today. Just asking for a refund of this amount. In a bind and will mail them the payment. IF they would re read this I called to tell them NOT to use the card due to bank shut off due to fraud activities. If they do NOT want customers to contact them by EMAIL then they should take the support email OFF their site. I told them in plenty of time................!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

  Customer Answer

  Date: 07/11/2024

   
  Complaint: 21910074
  
  I am rejecting this response because:

  recently took out a small loan of ****** through this company. The payment WAS supposed to come out ACH from account# of bank. However it came from the debit card. Here is the issue. There is NO way on the site to change the way payments should come out! I revoked in plenty of time through a contact method(support@crediterium) and NO one replied!!!!!!!! I asked and wanted them to revoke card payments due to fraud and bank shutting card off. I gave them plenty of notice and told them I would update them with new card number. I even called the week of June17th. They said would note the account. The payment of approximately ****** came out on the 26th of June. I can upload proof at a later time today. Just asking for a refund of this amount. In a bind and will mail them the payment. IF they would re read this I called to tell them NOT to use the card due to bank shut off due to fraud activities. If they do NOT want customers to contact them by EMAIL then they should take the support email OFF their site. I told them in plenty of time................!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 07/25/2024

  
  Dear BBB,
  
  I am writing to address your concerns regarding ********************************* $400 loan. According to our records, ******************* has made only one payment since June 26, and she currently has four overdue payments.
  
  The sole payment she made was via debit card after her ACH payment was reversed, which is the secondary payment method stipulated in the contract she signed.
  
  Furthermore, it is important to note that she has no grounds for a claim because she initiated a chargeback for the only payment that was successfully processed. Consequently, the bank has already refunded her the amount of that payment.
  
  The return of the payment she made is not applicable because she initiated a chargeback, and the bank processed it accordingly.
  
  If she disagrees with the terms of the contract she signed, she has the option to repay the loan in full.
  
  Thank you for your attention to this matter. Please feel free to contact us if she has any questions or needs further clarification.
  
  Best regards,
  

  Business Response

  Date: 08/01/2024

  Dear BBB,
  
  I am writing to address your concerns regarding ********************************* $400 loan. According to our records, ******************* has made only one payment since June 26, and she currently has four overdue payments.
  
  The sole payment she made was via debit card after her ACH payment was reversed, which is the secondary payment method stipulated in the contract she signed.
  
  Furthermore, it is important to note that she has no grounds for a claim because she initiated a chargeback for the only payment that was successfully processed. Consequently, the bank has already refunded her the amount of that payment.
  
  The return of the payment she made is not applicable because she initiated a chargeback, and the bank processed it accordingly.
  
  If she disagrees with the terms of the contract she signed, she has the option to repay the loan in full.
  
  Thank you for your attention to this matter. Please feel free to contact us if she has any questions or needs further clarification.
  
  Best regards,
  
  Crediterium Team

• Initial Complaint

  Date:06/22/2024

  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.

  We agreed on a $400 split in two. When I paid it they took an extra $189 out of my account with out my permission. When I called and asked for my money back they told me they couldnt and the person that set up my arrangement forgot to add that money in thats why they took it. I told them that wasnt the agreement and I wanted my money. They hung up on me

  Business Response

  Date: 07/10/2024

  Dear BBB Representative,
  
  I am writing in response to the complaint filed by ***************************. ****************** signed a contract with Crediterium on March 5, 2024, committing to pay 11 equal installments. Unfortunately, she never made any of the scheduled payments.
  
  After 49 days, ****************** agreed to pay only two installments of $195 each, leaving an outstanding balance of $457.01. We contacted ****************** again to inform her of the remaining balance, and our agent explained the situation, emphasizing the need to settle the remaining amount.
  
  Despite our efforts, only one additional installment was collected ($117.97). Given the difficulties encountered with this client, the Crediterium team decided to close the loan. The remaining balance was written off, and the loan was treated as if it had been paid in full by ******************.
  
  If there are any further questions or if additional information is needed, please do not hesitate to contact us.
  
  Thank you for your attention to this matter.
  
  

  Customer Answer

  Date: 07/22/2024

   
  Complaint: 21888255
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:05/22/2024

  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 contacted Crediterium last week. I provided my updated account information. I informed the representative that my account was compromised and update with my current account information. The rep. informed me that my old account would me taking off. On 5/22/24 my bank contacted me and informed me that Crediterium withdrew money from my account that I no longer have. I reached out to Credierium and was told that they updated dated my new account info., but the account from my old account was still charged. Now Crediterium is telling me its nothing they can do.

  Business Response

  Date: 05/30/2024

  I am writing to clarify the recent charge and the change of account information for your contract signed on April 30, 2024.
  
  It has come to our attention that you have expressed concerns about a recent charge, mentioning a potential issue of unauthorized transactions. We would like to address and clarify the situation comprehensively.
  
  The charge in question was processed prior to our receipt of your request to change the account information on file. This request was communicated to us after the charge had already been executed. As per the terms of the legally binding contract you signed, we processed the payment using the account details that were provided at the time of signing.
  
  Please rest assured that we have updated our records with the new account information you provided. Moving forward, all future charges will be directed to the new account as per your instructions.
  
  We understand your concerns regarding the security of your account information. However, we want to assure you that the recent charge was made in full compliance with the signed contract, and there has been no unauthorized activity or breach of trust.
  
  If you have any further questions or require additional clarification, please do not hesitate to contact us. We value your business and are committed to ensuring your satisfaction and security.
  
  Thank you for your understanding.
  
  Sincerely,

  Team Crediterium 

• Initial Complaint

  Date:01/11/2024

  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.

  On 12/15/23 I took out a loan from Crediterium of $500. This was done over the phone. I was not informed of my payment schedule or the fact that my APR was well over ****% and that I'd be paying $196 every two weeks until I paid a total of over $2000 on a $500 loan. This is scam like and should be illegal, if it's not already. I do not want to pay over triple what I was given. If I had actually been told what was in the contract and actually been told what was going to happen I would have turned this down from the beginning but I was lied to and pushed to sign something without being informed first.

  Business Response

  Date: 02/02/2024

  Dear **********************
  
  I trust this letter finds you well. We appreciate your inquiry and value your commitment to Crediterium. This letter serves as a response to your recent inquiry regarding the terms and conditions outlined in the Truth-in-Lending Disclosure for your loan agreement.
  
  As per the signed contract electronically with IP: 108.147.171.126 on date 12-15-2023 at 11:49 AM, you agreed to the specified terms and payments. We have noted your timely payments of $196.46 for the past two months. We would like to inform you that you now have the option to settle the remaining principal amount of $410.15, which will allow you to avoid the upcoming installment payments.
  
  Understanding that financial circumstances can change, we are here to assist you. Our team will reach out to you shortly via phone to discuss alternative options and address any concerns you may have. We aim to ensure that your experience with Crediterium remains transparent and tailored to your financial needs.
  
  Thank you for your continued partnership. If you have any immediate questions or concerns, please do not hesitate to contact our customer service team at ***************.
  
  We appreciate your trust in Crediterium and look forward to assisting you further.
  
  Sincerely,
  
  

  Crediterium Team