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Business Profile

Loans

BalanceCredit.com

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Loans.

Complaints

This profile includes complaints for BalanceCredit.com's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 57 total complaints in the last 3 years.
    • 22 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/11/2025

      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 received a loan from balance credit for $1500, I was able to pay back over $500 before I had a personal issue and could not continue the high interest payments. The maximum loan amount in ************** for a payday loan is $550, this loan never should have existed. This is predatory, illegal lending. I want this account removed from my name and credit report.

      Business Response

      Date: 07/22/2025

      Please see the attached response.

    • Initial Complaint

      Date:07/07/2025

      Type:Sales and Advertising 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 have asked this business to stop sending me their marketing materials through the ****. I have called them numerous times and emailed them asking them to stop. Also, I am on the National Do Not Contact list. Would you please assist me with this? I do not wish to be contacted by them again! Thank you for your time and consideration.

      Business Response

      Date: 07/22/2025

      Please find attached our response to the customer's complaint.  I received a reminder from your office indicating that our response was due 10 days after submission, however, the initial correspondence from your office indicated that the due date was 14 calendar days. 

    • Initial Complaint

      Date:05/27/2025

      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 called in the balance credit in April, asking if they offered any hardship programs due to a death in the family and medical issues. I was told they would defer all my payments until June 6 and that would be when my payment would be due. I thanked them. I was told I would have no collection activity and that was stated and confirmed on the first call from the manager **** in collections. I asked if I had no payments due, why am I being transferred to collections? I was told that my account is in collections when no payment is being made and that I wasn't being reported to the credit bureau. I would never have agreed to this if I knew they planned on reporting me to the credit bureau. How do you tell a customer there is no collection activity when in fact your policy is to report them and I am being considered late? This whole process isn't transparent, and I was misled. I would like to make a payment on June 6th, and I will pay this in full on 06/20. I want this account deleted from my credit report.

      Business Response

      Date: 06/06/2025

      Balance Credit is in receipt of the consumers complaint. Balance Credit is an authorized servicer for ******, a division of ********************** (******). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns.
      Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue to resolve BBB concerns.
      We would like to continue to work with ***** ******* regarding this matter. A member of the Resolution Team will call ***** ******* and will attempt contact within (5) business days from the date of this letter. We trust this information is responsive to your request.
      Sincerely,
      Balance Credit

      Customer Answer

      Date: 06/06/2025

       
      Complaint: 23381056

      I am rejecting this response because:

      Sincerely,

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

    • Initial Complaint

      Date:05/16/2025

      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.
      Yesterday May 15 was trying to get a loan from ******. They had net credit call me and after I gave them all my bank info they told me to call ************** to finish up the process but number was disconnected.

      Business Response

      Date: 05/23/2025

      Balance Credit is in receipt of the consumers complaint. Balance Credit is an authorized servicer for ******, a division of ********************** (******). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns. 
      Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue to resolve BBB concerns. 
      We would like to continue to work with ***** ***** regarding this matter. A member of the Resolution Team will call ***** ***** and will attempt to contact within (5) business days from the date of this letter. We trust this information is responsive to your request.
      Sincerely,
      Balance Credit

    • Initial Complaint

      Date:05/09/2025

      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 in shock of how the interest amount could be so high and LEGAL! My loan was under $400 dollars, yet Im paying over $2000 by the time it ends. This is absurd! I am getting a lawyer and others involved if this is I have to pay another dime! Absolutely CRIMINAL! They say I owe 6 more payments and I refuse to pay any more!

      Business Response

      Date: 05/21/2025

      Balance Credit is in receipt of the consumers complaint. Balance Credit is an authorized servicer for ******, a division of ********************** (******). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns. 
      Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue to resolve BBB concerns. 
      We would like to continue to work with ****** ****** regarding this matter. A member of the Resolution Team will call ****** ****** will attempt to contact within (5) business days from the date of this letter. We trust this information is responsive to your request.
      Sincerely,
      Balance Credit

    • Initial Complaint

      Date:05/02/2025

      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 received an email and a text message stating that I owed a late payment of $224.32 on a loan. It proceeded to provide a link that stated it was different from the regular website portal because by clicking the link you were seamlessly logged in to your account. I did not click the link. I do not now, nor have I ever had a loan or line of credit with this company. I had never even heard of them until receiving the email. I checked my credit report and sure enough, they had reported I had opened an account with them and owed $2315. I have emailed the company directly via their website informing them i have no loan or anything with them and requesting all copies of documents (if they have any) of this supposed debt, and haven't gotten a response yet.

      Business Response

      Date: 05/19/2025

      Balance Credit is in receipt of the consumers complaint. Balance Credit is an authorized servicer for ******, a division of ********************** (******). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns. 
      Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue to resolve BBB concerns. 
      We would like to continue to work with ******** ******* regarding this matter. A member of the Resolution Team will call ******** ******* will attempt to contact within (5) business days from the date of this letter. We trust this information is responsive to your request.
      Sincerely,
      Balance Credit

    • Initial Complaint

      Date:04/19/2025

      Type:Order 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.
      Unsecured loan in my name not started by me.

      Business Response

      Date: 05/04/2025

      Balance Credit is in receipt of the consumers complaint. Balance Credit is an authorized servicer for ******, a division of ********************** (******). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns. 
      Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue to resolve BBB concerns. 
      We would like to continue to work with ********* ***** regarding this matter. A member of the Resolution Team will call ********* ***** will attempt to contact within (5) business days from the date of this letter. We trust this information is responsive to your request.
      Sincerely,
      Balance Credit

    • Initial Complaint

      Date:04/13/2025

      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 filing this complaint against *************************** Balance Credit, and National Debt Holdings. A fraudulent account was opened in my name and reported to ********** under Balance Credit. This account is a result of identity theft. I have never opened or authorized this account, and I have filed a police report and identity theft affidavit. Despite my clear communication to ************************** that I am a victim of identity theft, their representatives (****** ****** and ***** London) continued to pursue payment and sent additional communications via text message and phone calls after I asked them to stop. They failed to verify my identity at the beginning of the call and refused to provide timely documentation or a physical mailing address for the company. In addition, I was quoted a debt of $3,099, which is significantly higher than the $2,007 listed on my TransUnion credit report suggesting potential misrepresentation or deceptive practices.This situation has caused emotional distress, damaged my credit, and harmed my reputation. I am demanding the immediate removal of this account from my credit report and appropriate corrective action by all parties involved. Failure to comply will result in ongoing legal action. I have already filed complaints with the ************************ (***), the Consumer Financial ***************** (CFPB), and the Better Business Bureau (BBB). I am also preparing to initiate a civil lawsuit against all parties involvedincluding the credit bureausfor violations of federal consumer protection laws, emotional distress, and credit harm.Please govern yourselves accordingly. I am including a copy of my police report, affidavit of identity theft, and the credit report screenshot showing the false listing for your reference.A response and confirmation of deletion is required immediately and upon receipt of this notice.Thank you. 

      Business Response

      Date: 04/21/2025

      Dear Tyeca *****,
      SunUp Financial, LLC, d/b/a BalanceCredit.com (Balance Credit), is in receipt of your complaint against Balance Credit filed with the Better Business Bureau. We take consumer complaints seriously and appreciate the opportunity to address your concerns. 
      Given the nature of this complaint and privacy regulations, we are unable to disclose confidential information in this forum. Our standard practice is to reach out to the consumer directly to address and resolve any issues or concerns.
      Please feel free to contact our Resolution Team at ************.
      Thank you,
      Balance Credit 

    • Initial Complaint

      Date:04/07/2025

      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.
      THIS IS A LOAN COMPANY CHARGING ********% DAILY INTEREST = Contract started 8/19/2024 Amount Financed $2,400.00 17 Payments of ****** = $3,738.13 to date Balance as of 04.07.2025 = $2,210.86 They have only applied $ ****** toward principal in 17 payments, taking the total mount in interest They are not applying what they are selling their customers toward the principal after the first 2 payments. I am an accountant by profession and ************************************ (*****) have noticed and "Issue" what they are applying payments interest v. principal , I believe they are fraudulently miss leading customers and the company does need to be investigated. 

      Business Response

      Date: 04/17/2025

      Balance Credit is in receipt of the consumers complaint.Balance Credit is an authorized servicer for ******, a division of ********************** (******). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns. 
      Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns. 
      We would like to continue to work with **** ****** regarding this matter. **** ****** is welcome to contact our Resolution Team at ************. We trust this information is responsive to your request.
      Sincerely,
      Balance Credit

    • Initial Complaint

      Date:04/03/2025

      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 received a loan from Balance Credit on 10/22/24 and have now realized that ******* is using a "rent-a-bank" scheme with this loan as they are charging usury rates of interest which are higher than what is allowed in my state. Not only that, but this lender is also not licensed in *******, which is where I reside.I have attached documentation of what interest rate this company is charging me as well as what is legally allowed in my state, which they knew where I lived as it was on my loan application and agreement. I would like to know what they're going to do to resolve this issue. I am $12 away from paying off the principal completely and because they are not licensed in my state, I'm legally not required to pay the principal nor the interest. However, I will pay the remaining $12 and would like this account closed.

      Business Response

      Date: 04/10/2025

      Balance Credit is in receipt of the consumers complaint.Balance Credit is an authorized servicer for ******, a division of ********************** (******). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns. 
      Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns. 
      We would like to continue to work with ****** ****** regarding this matter. A member of the Resolution Team will call ****** ****** within five (5) business days from the date of this letter if she has not already received a call. We trust this information is responsive to your request.
      Sincerely,
      Balance Credit

      Customer Answer

      Date: 04/14/2025

       
      Complaint: 23155475

      I am rejecting this response because:

      A letter was received in the mail that does not address the complaint - just further tries to explain the legitimacy of the company. Unfortunately, ******, **********************, SunUp Financial, and whatever other names the company wishes to go by are not on Indiana's listing for lenders licensed in the state...not even on the suspended or revoked. If they're not a licensed lender in my state, how is this legal? Pretty sure if you're lending money in a state, you need a lender's license to legally do so.

      Sincerely,

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

      Business Response

      Date: 04/17/2025

      Balance Credit is in receipt of the consumers response to Complaint ID ********. Please be advised that ****** is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator.Consequently, ****** is governed by both federal banking laws and the laws of the State of Utah. Pursuant to 12 U.S.C. 1831d, ****** has the authority to export Utahs permissible interest rates and ****** is permitted to conduct business anywhere in *****************, which includes the state of IN. Balance Credit, also known as SunUp Financial, LLC is contracted to provide certain services for the CCBank Installment Loan. As your servicer, Balance Credit is the point of contact while there is an outstanding balance. We take consumer complaints seriously and appreciate the opportunity to address their concerns. 
      As stated in our initial response to the complaint submitted on 4/10/2025, due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns. 
      Due to the request to cease all communication by the customer, we are unable to reach out and work with ****** ****** regarding this matter. Ms. ****** ****** is encouraged to call into our contact center and speak with a member of the Resolution Team at ************. We trust this information is responsive to your request.
      Sincerely,
      Balance Credit

    BalanceCredit.com is NOT a BBB Accredited Business.

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