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Business Profile

Consumer Finance Companies

Castle Credit Co Holdings, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

Complaints

Customer Complaints Summary

  • 60 total complaints in the last 3 years.
  • 26 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:06/17/2025

    Type:Billing Issues
    Status:
    Resolved
    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 applied for a loan for gutter covers for my home. I financed the $5636 loan with Castle Credit. The loan was interest-free if paid off before June 1. I paid off my loan with Castle Credit. I made sure the payment was mailed and received before the due date of June 1. They held my payment, cashed it a day late, and charged me $688.51 in interest. I want the interest charge removed.

    Business Response

    Date: 07/07/2025

    Please see the attachment.

  • Initial Complaint

    Date:05/30/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    *****% APR is normal taking advantage of credit problems but requiring people to pay full finance charges in even for early payoff of loan is a crime. $3,800 ended up being $12k+ and tried to pay off early with 74 payments left and was told I have to still pay off what would be the remaining APR/Finance Charge for the life of the loan of 6k. Even though it explains in the contract you won't be penalized for early payoff, you WILL. They are literally penalizing you for early payoff by running a Interest Charges scam.

    Business Response

    Date: 06/11/2025

    Please see the attachment.

    Customer Answer

    Date: 06/12/2025

     
    Complaint: 23397071

    I am rejecting this response because: The response does not give a payoff amount without interest for remainder of payments. When I called the office to pay the remaining balance in full I was given the amount which included the interest up to the last payment not the amount if interest was removed for the remaining payments. I was told I must pay the remaining balance which included the purchase price and full APR of over 8k dollar that would only be the early payoff amount if I was paying for the interest through to the end of the payment plan not paying the loan off in full prior to the end of the loan. The company is trying to make my payoff amount the same as the amount I would pay if I continues to finance over the next few years instead of paying off early. 

    Sincerely,

    ***** *****

    Business Response

    Date: 06/12/2025

    Please see the attachment.

    Customer Answer

    Date: 07/07/2025

    Complaint: 23397071

    I am rejecting this response because: I have a document from Castle Credit showing my balance without the interest. The company is still requesting I pay all the interest even if I pay the account off early.

    Sincerely,

    ***** *****

    Business Response

    Date: 07/07/2025

    Please see the attachment.

  • Initial Complaint

    Date:05/06/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    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.
    In November of 2023, I entered a 12 month no interest contract with Castle Credit in the amount of $6,649.00 for home improvements. Initially, my first monthly payment of $138.98 was due on or around the *************************** December. Within one or two days following completion of the contract paper work was contacted and informed of a change in the organizations accounting division and my first payment was pushed to January of 2024. I made every payment as per my contract including a final balloon on November of 2024. I was notified that the full interest for not paying off my loan in time was due to 5 missed payments from January to May of 2024. I disputed this and was informed that when the company switched to a new accounting firm some payments were missed and i was asked to submit proof of payments. I did this however because the document I furnished was not from my bank it was not accepted. I quickly contacted my bank and re-submitted the official documents. I am now being told I owe between $700 and $1300 in interest because I didn't make the initial December 2023 payment. I have actually paid $6,779.04 because I was on an autopay and an additional payment was taken out of my account following the balloon payment made on November 30. For completeness sake the balloon payment was made on Saturday November as per the contract. The website would not allow a credit/debit payment only checking account. The payment was made as per the contract however the funds were not received until December 3. I was told this was not a problem. I have been calling at least once a month and every time I get a different story from a representative all saying they will submit a expedited investigation ticket. I have not received any correspondence from anyone in this company.

    Business Response

    Date: 05/19/2025

    Please see the attachment.

    Customer Answer

    Date: 06/05/2025

     
    Complaint: 23292777

    I am rejecting this response because:
    Not resolved. Company continues to claim this issue has been sent for review however no one can give me any answers and I continue to get phone calls claiming delinquency. It is not until I request the individual examine my account correspondence that the representative apologizes and tells me t disregard and wait for notification of resolution. 

    *****
    Sincerely,

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

    Business Response

    Date: 06/05/2025

    Please see the attachment.

    Customer Answer

    Date: 06/05/2025

     
    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:04/24/2025

    Type:Billing Issues
    Status:
    Answered
    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 CASTLE CREDIT CORP, I do not have a contract with CASTLE CREDIT CORP, they did not provide me with the original contract as I requested. 

    Business Response

    Date: 04/30/2025

    Please see the attachment.

  • Initial Complaint

    Date:03/26/2025

    Type:Billing Issues
    Status:
    Resolved
    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 CSTLECREDC. THIS LOAN WAS PAID AS AGREED WITH A ZERO BALANCE.

    Business Response

    Date: 03/31/2025

    Please see the attachment.

  • Initial Complaint

    Date:02/26/2025

    Type:Billing Issues
    Status:
    Resolved
    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 asked for a payoff amount which was ****** as of 2/18/25 The amount owed as of 12/10/24 was ****** I made 2 payments of ***** plus a payment of ****** which is a total of ******. So I cant get a accurate balance.

    Business Response

    Date: 03/13/2025

    Please see the attachment.

  • Initial Complaint

    Date:01/28/2025

    Type:Billing Issues
    Status:
    Answered
    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 account was transferred last year. I have made monthly payments of $371.00 to pay off the balance as quickly as possible. The amount is being charged but not added to my balance. I have called multiple times and made complaints, and requests that my payments show on the balance. I have requested a Formal Payoff Letter from the company multiple times and have not received it. I do not get a call or response when asked to speak to a supervisor. I have yet to receive my payoff letter or any response from them. I have several referenced tickets: *******, *******, *******. I would like my payments to be processed and my account to be closed as paid in full. I cannot continue calling and cannot remain with this account opened. It is affecting me financially as well as mentally unsettling Every time I have to call!

    Business Response

    Date: 02/08/2025

    Please see the attachment.

    Customer Answer

    Date: 02/11/2025

     
    Complaint: 22868789

    I am rejecting this response because:

    The total balance showing on the letter does not coincide with what my balance should be. 
    The amount transferred to this company was just under $2000. How is it after a year of over payments I still owe $1900? 
    I would like an updated balance to include all my overpayment payments to show the actual amount due to close this account. 
    Please adjust end balance to show all my payments. 

    Sincerely,

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

    Business Response

    Date: 02/15/2025

    Please see the attachment.

  • Initial Complaint

    Date:01/28/2025

    Type:Billing Issues
    Status:
    Resolved
    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 keeping having to pay multiple people for the same thing over and over and my account is not past due i am being harassed by this company and regrets doing anything with them.

    Business Response

    Date: 02/10/2025

    Please see the attachment.

  • Initial Complaint

    Date:12/09/2024

    Type:Billing Issues
    Status:
    Resolved
    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 2019, I became delinquent on an account with *********************************************. The account was sent to collections. I set up a payment plan to continue making payments to honor my obligation. I paid off the account total of $5,476 in May of 2021 and my credit was reported as "Paid, Closed. $6,453 written off." However, each year my credit report updates with another delinquency **** for the months of May and June--thus effectively renewing the amount of time that an account is delinquent in my credit history back to 2 years. This is unacceptable as I have paid my entire account and have done no further business with this company since paying for this account in full. The effects on my credit have been detrimental--costing me thousands more in interest and soiling my credit score. I request that this account be correctly reported by the business.

    Business Response

    Date: 12/20/2024

    Please see the attachment.

    Customer Answer

    Date: 12/23/2024

     
    Complaint: 22660641

    I am rejecting this response because according to Experian credit reporting company, Castle Credit is falsely reporting this account. You can view the attached screenshots of my account with ********************************************* and see that my account was paid in full of May 2021, yet the account was reported in charge off status May and June of 2022. 

    Sincerely,

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

    Business Response

    Date: 12/27/2024

    Please see the attachment.

    Customer Answer

    Date: 12/27/2024

     
    Better Business Bureau:

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

    Sincerely,

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

  • Initial Complaint

    Date:12/02/2024

    Type:Billing Issues
    Status:
    Answered
    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 account does not belong to me, I demand to have it remove from my credit file, I never signed and agreement of a contract or any legal document with this **mpany Castle Credit ** Holdi, I was not given a consumer report or I never heard of this company before.

    Business Response

    Date: 12/05/2024

    Please see the attachment.

Castle Credit Co Holdings, LLC is NOT a BBB Accredited Business.

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