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:03/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed **************************** CRED 5558**** $0.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.

  

  Business Response

  Date: 03/18/2025

  We appreciate the opportunity to discuss your concerns and unfortunately our many recent attempts to contact you were unsuccessful. Providing a great customer experience, including timely communicating with customers about their accounts is a top priority at Integra Credit.
  Please contact us at ************** and ask to speak with a supervisor who will be able to address your
  concerns.
  Sincerely,
  Integra Credit Customer Support Team
  
  

• Initial Complaint

  Date:03/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  **Complaint Statement:** I am disputing an invalid account reported by **[Creditor/Collection Agency 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: 03/18/2025

  We appreciate the opportunity to discuss your concerns and take customer feedback seriously. Providing a great customer experience, including timely communicating with customers about their accounts is a top priority at Integra Credit. We trust that all of your questions have been answered.
  If you have any additional questions or comments, please contact one of our knowledgeable representatives at **************.
  Sincerely,
  Integra Credit Customer Support Team
  

• Initial Complaint

  Date:02/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,I am writing to formally file a complaint regarding an issue with my account with CCBANK - ********************** Account number: 5577**** Account balance:. $2,462.00, which I have been unable to resolve directly with them. I am requesting that the Better Business Bureau assist in removing this account from my ********************** reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

  

  Business Response

  Date: 03/12/2025

  Dear ******* *****,
  
  We are in receipt of the complaint that you filed with the Better Business Bureau. Please be **************************** (******) is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator. Consequently, both federal banking laws and the laws of the State of Utah govern agreements with ******. ****** has contracted with Integra Credit to provide certain services on behalf of *******
  
  Due to financial privacy regulations, we are not able to share the private information of any customer with an unauthorized third party.
  
  We appreciate the opportunity to discuss your concerns and unfortunately our many recent attempts to contact you were unsuccessful. Providing a great customer experience,including timely communicating with customers about their accounts is a top priority at Integra Credit. We have taken the actions requested in your desired resolution. We trust that this resolution is satisfactory.
  
  If you have any additional questions or comments, please contact one of our knowledgeable representatives at **************.
  
  Sincerely,
  Integra Credit Customer Support Team

• Initial Complaint

  Date:02/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am submitting this complaint because my credit report contains accounts that I do not recognize, and I strongly suspect they may be linked to a data breach. The presence of these unverified accounts is deeply concerning, as they could be negatively affecting my credit score and overall financial stability.Despite my attempts to obtain verification, I have not received sufficient proof that these accounts are legitimate. This lack of transparency is unacceptable. As a consumer, I have the right to demand proper documentation justifying their inclusion on my credit report.The accounts in question are as follows:Name of Unverified Item: INTEGRA CRED Account Number: 5561**** Reporting Balance: $0.00 Name of Unverified Item: 12 INTEGRA CREDIT Account Number: ******* Reporting Balance: $3,225.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of any documents used to verify these accounts. A generic response stating that they have been verified is not acceptable. I require tangible proofsuch as original account applications, signed agreements, or transaction *********** confirms their legitimacy.If no such documentation exists, these accounts must be immediately removed under Section 611(a)(5)(A)(i) of the ****, which mandates the deletion of unverifiable information from consumer credit reports.I urge your office to take this matter seriously and conduct a thorough review. This situation has already caused me unnecessary stress and could have long-term consequences on my financial security. I expect swift action and a clear resolution.Thank you for your immediate attention to this issue. Please provide a timely response outlining the steps being taken to address my concerns.

  

  Business Response

  Date: 03/10/2025

  We appreciate the opportunity to discuss your concerns and unfortunately our many recent attempts to contact you were unsuccessful. Providing a great customer experience, including timely communicating with customers about their accounts is a top priority at Integra Credit.
  Please contact us at ************** and ask to speak with a supervisor who will be able to address your
  concerns.
  Sincerely,
  Integra Credit Customer Support Team
  
  

• Initial Complaint

  Date:01/06/2025

  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 woke up to emails from loan companies. Someone was using my info to get loans. I seen a hard inquiry and called Integra right away to let them know it was not me and don't send the funds. They did anyway. Called again and asked what Is needed to get a loan. She said only a ***. Ever heard of the dark web? Yes my ssn was compromised according to credit wise. With the internet being so unsecured,how are they able to get away with this? I've been working hard on my credit since I've been separated and now Someone else is able to ruin my progress. This isn't fair.

  

  Business Response

  Date: 01/29/2025

  Dear ****** ******,
  
  We are in receipt of the complaint that you filed with the Better Business Bureau. Please be **************************** (******) is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator. Consequently, both federal banking laws and the laws of the State of Utah govern agreements with ******. ****** has contracted with Integra Credit to provide certain services on behalf of *******
  
  Due to financial privacy regulations, we are not able to share the private information of any customer with an unauthorized third party. We have attempted to resolve the concerns raised with you directly.
  
  We appreciate the opportunity to discuss your concerns and unfortunately our many recent attempts to contact you were unsuccessful. Providing a great customer experience,including timely communicating with customers about their accounts is a top priority at Integra Credit.
  
  Please contact us at ************** and ask to speak with a supervisor who will be able to address your concerns.
  
  Sincerely,
  Integra Credit Customer Support Team

• Initial Complaint

  Date:01/05/2025

  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 Integra Credit . I do not have a contract with the collection agency, Central Portfolio Controls. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 01/17/2025

  We appreciate the opportunity to discuss your concerns and unfortunately our many recent attempts to contact you were unsuccessful. Providing a great customer experience,including timely communicating with customers about their accounts is a top priority at Integra Credit. We have taken the actions requested in your desired resolution. We trust that this resolution is satisfactory.
  
  Please contact us at ************** and ask to speak should you have additional questions or concerns.
  
  Sincerely,
  Integra Credit Customer Support Team

• Initial Complaint

  Date:12/25/2024

  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.

  This company opened. Credit loan to someone that is not me and I was never contacted until a payment came out of my account

  

  Business Response

  Date: 01/09/2025

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

  
  We are in receipt of the complaint that you filed with the Better Business Bureau. Please ****************************** (******) is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator. Consequently, both federal banking laws and the laws of the State of Utah govern agreements with ******. ****** has contracted with Integra Credit to provide certain services on behalf of ******. Due to financial privacy regulations, we are not able to share the private information of any customer with an unauthorized third party. We have attempted to resolve the concerns raised with the customer directly.

  
  We appreciate the opportunity to discuss your concerns and unfortunately our many recent attempts to contact you were unsuccessful. Providing a great customer experience, including timely communicating with customers about their accounts is a top priority at Integra Credit. Please contact us at ************** and ask to speak with a supervisor who will be able to address your concerns.

  
  Sincerely,
  Integra Credit Customer Support Team

• Initial Complaint

  Date:12/19/2024

  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 AM NOT LIABLE FOR THIS ALLEGED DEBT WITH SYNCB/AMEAGL. THIS COMPANY IS A DEBT BUYER; I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THE *** STATES 15 USC 1681 - ACCURACY IN FAIRNESS OF CREDIT REPORT. I HAVEN'T SIGNED ANY CONTRACTS WITH THIS COMPANY. I HAVE REQUESTED PROOF OR ANYTHING THAT BINDS ME TO THIS ALLEGED DEBT AND THIS AGENCY HAS NOT PROVIDED ME ANYTHING.

  

  Business Response

  Date: 01/02/2025

  We appreciate the opportunity to discuss your concerns and unfortunately our many recent attempts to contact you were unsuccessful. Providing a great customer experience, including timely communicating with customers about their accounts is a top priority at Integra Credit.
  Please contact us at ************** and ask to speak with a supervisor who will be able to address your
  concerns.
  Sincerely,
  Integra Credit Customer Support Team
  
  

• Initial Complaint

  Date:12/09/2024

  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.

  Yes I took out a loan for 2500. In August 2024 and got approved my payment is ****** every two weeks I were told that I we have my loan paid off in 2026 of may which made me to pay back ******* back to them I cant do please help dont sound right

  

  Business Response

  Date: 12/23/2024

  Dear ******* *******,
  
  We are in receipt of the complaint that you filed with the Better Business Bureau. Please be **************************** (******) is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator. Consequently, both federal banking laws and the laws of the State of Utah govern agreements with ******. ****** has contracted with Integra Credit to provide certain services on behalf of *******
  
  Due to financial privacy regulations, we are not able to share the private information of any customer with an unauthorized third party.
  
  We appreciate the opportunity to discuss your concerns and unfortunately our many recent attempts to contact you were unsuccessful. Please be advised that we take our compliance with all applicable laws and regulations very seriously and we take pride in communicating with our customers in an easily understandable, transparent manner. All rates and terms are disclosed to applicants throughout the loan application process and prior to the applicant agreeing to the terms.
  
  Providing a great customer experience, including timely communicating with customers about their accounts is a top priority at Integra Credit.
  
  If you have any additional questions or comments, please contact one of our knowledgeable representatives at **************.
  
  Sincerely,
  Integra Credit Customer Support Team

• Initial Complaint

  Date:12/01/2024

  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.

  On Date of transaction 11-07-2024 I requested a monthly installment loan from Integra Credit. I have been a customer from before as I have requested 2 prior loans that were paid and closed. The amount on the loan was $1000 dollars. When I went to their website and proceeded with the application process, they had me verify demographics and employment to verify it was still the same. I entered my information to include my social or the last 4 to be verified. When the application process was reviewed they came back and offered me 3 different loans with different payment options. I selected the 14 month $90.12 cents option that they clearly offered me during the application process. After my information had been processed. I most have been at a ******* credit score at the time because I check it every day. And I just had a + 20 increase, now I am at 621. My total payback was going to be $1,261.68 with 14 payments is to what I agreed to with them. The transaction was approved and that is what they offered me and what I agreed to and signed. I received an email on November 30th 2024 advising me that my next payment is on December 6th 2024 in the amount of $90.12. Now it turns out that instead of 14 payments of $90.12 has been changed to 30 payments of $90.12 with a finance charge of $1,703.18 and total payment of $2,703.18. Where they are applying $9.29 to the principal and $80.92 to interest. They added an additional 16 payments out of nowhere. I would have never agreed to those terms if they had been offered and presented to me at the time of the application. And I would not be making this up to waste my time and theirs. The Creditor is:***************************************************************** ************ This is a "criminal creditor" I'm sorry to say, and they need to be exposed so other people can be aware of the shady business practices they have, along with Integra Credit. They lied during the application process to Scam me!

  

  Business Response

  Date: 12/13/2024

  Dear ****** *******,
  
  We are in receipt of the complaint that you filed with the Better Business Bureau. Please be **************************** (******) is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator. Consequently, both federal banking laws and the laws of the State of Utah govern agreements with ******. ****** has contracted with Integra Credit to provide certain services on behalf of *******
  
  Due to financial privacy regulations, we are not able to share the private information of any customer with an unauthorized third party.
  
  We appreciate the opportunity to discuss your concerns and take customer feedback seriously. 
  Please be advised that we take our compliance with all applicable laws and regulations very seriously and we take pride in communicating with our customers in an easily understandable, transparent manner. All rates and terms are disclosed to applicants throughout the loan application process and prior to the applicant agreeing to the terms.
  
  If you have any additional questions or comments, please contact one of our knowledgeable representatives at **************.
  
  Sincerely,
  Integra Credit Customer Support Team

  Customer Answer

  Date: 12/23/2024

   
  Complaint: 22624268
  
  I am rejecting this response because: All rates and terms that were disclosed to me during the application and prior to the agreeing to the terms were completely different. As I stated before, your system was misleading during the application process. It clearly stated that I was being offered 14 Monthly payments. It gave me 3 different loan amounts with 3 different calculated payback amounts. When I agreed you texted me something totally different. I also want to make it very clear that Im not refusing to pay the loan back. But I will not pay your company $1,703.18 in finance charges. With a ********% interest rate. The loan will be paid speedily. Even with the credit score that I have my interest should be around $218.25 for a $1000 dollar loan. Im not interested in speaking to your **************** rep ******** or any other rep. ****** your company can produce a live screenshot of my application process. As I stated before, I will deal with this issue, and then hope to never deal with your company again. If you did it to me, youve done it to other misfortunate people also. And I will state again, I would have never agreed to these terms. 
  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 01/08/2025

  Dear ****** *******,
  
  We are in receipt of your rejection to our BBB response to your recent complaint. Please know that we appreciate your feedback, and while we regret that we were unable to meet your expectations for resolving your complaint, our resolution remains the same.
  
  If you have any additional questions or comments, please contact one of our knowledgeable representatives at **************.
  
  Sincerely,
  Integra Credit Customer Support Team