Business Profile
Loans
BalanceCredit.comHeadquarters
Reviews
This profile includes reviews for BalanceCredit.com's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 29 Customer Reviews
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Review fromCharon M
Date: 07/28/2025
1 starStarted receiving text messages saying that I owed $189.17 for a loan with balance credit, I reached out to them by phone to find out what was going on as I had not applied for any loans. I was able to speak to a woman who informed me after giving up some information that there has been a loan opened in my name on June 27th, 2025, in the amount of $2,000. I explain to her that I never opened up an account or apply for a loan with their organization. She gave me the last four digits of the bank account where the loan funds went and informed me that the loan went to a bank account with the ***************. On a three-way call we contacted the *************** she dialed the number, and I was still on the phone when the call went through, we were able to speak with a woman who verified on the phone that the account number that was given to them by balance credit did not belong to me. After we confirmed that the bank account did not belong to me, I was then told that I needed to file a police report in order to have the information investigated. I'm so baffled, I didn't apply for a loan, so I didn't agree to their terms. Then I received an email after being placed on hold several times after asking for a supervisor and then being told that there wasn't one available at least three times. I then asked if I could have a call confirmation number, I was told that that could not be given to me by the person I was speaking to, so again I asked to speak to a supervisor, again I was placed on hold and then told again that there was nobody available. I asked if I could leave a voice message for a supervisor, I was told that I could not leave a voice message for anyone, but they would have to call me. So even though it was confirmed that the bank account did not belong to me, that I did not receive the funds, I was unable to speak to anybody in a supervisor position, oh and email stated that I only have 14 days to get the police report back to them or it would be considered my debt.
BalanceCredit.com
Date: 08/05/2025
Balance Credit is in receipt of the consumers review. We take consumer complaints seriously and appreciate the opportunity to address their concerns. Due to the nature of the review, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without a 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 received a call. We trust this information is responsive to your request.Sincerely,Balance CreditBalanceCredit.com
Date: 08/05/2025
Balance Credit is in receipt of the consumers review. We take consumer complaints seriously and appreciate the opportunity to address their concerns. Due to the nature of the review, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without a 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 received a call. We trust this information is responsive to your request.Sincerely,Balance CreditReview fromDarquita M
Date: 07/16/2025
1 starSent me a pre-approved loan in the mail. I signed up for and the website hacked my bank account. This is a scam.BalanceCredit.com
Date: 08/05/2025
Balance Credit is in receipt of the consumers review. Balance Credit is an authorized servicer 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 review, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without a 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 CreditReview fromChrista T
Date: 06/17/2025
1 starI borrowed money in a time when I had a few financial problems. I made on time payments for a few months and was able to pay off in full early. I called, was quoted a payoff amount, made the payment the same day, was sent an email to confirm the payment was processed. It then stated that I owed an additional amount of $8.29. When I call to inquire, they said I should have paid with a debit card and I owe the amount. After back and forth and being on hold numerous times, there was not a supervisor available. I hung up. I would not suggest borrowing money from this company as they are very limited on what information they tell you. They hardly speak English and do not offer any help.Review fromErica Happyladystl M
Date: 03/03/2025
1 starThe company is not professional. They don't have IT support you can talk to either. They will charge in daily even if you want to pay your loan off in full. Please check your banks or credit unions to see what your withdrawal out on your debit card amount. Mine is only $300 on my debit card. You would think they could go through your ACH (route number). No they can't do that until the next day.Review fromVictoria M.
Date: 02/19/2025
1 starNo stars as this business has put me in a financial crisis and I am beyond upset by the interest of the loan!!!! I was in dire straits and before I could cancel it I realized that I had made a horrible mistake and now my financial situation is worse off than before.Review fromDeAnna A
Date: 02/17/2025
1 starIt's sad when you call and ask about an alleged loan that they've sold recently. A lady m named **** left a very inappropriate message on my VM. I have deposited this as I do not recall anything about this and Balance Credit says they can't tell me what amount was loaned to me. It sounds very fishy and inappropriate. As I told the man who answered I recorded the call just as they do and have a terminal illness. I've never received anything on the mail from them. I AM DISPUTING THIS SUPPOSED LOAN. I HAVE ZERO RECOLLECTION ABOUT THIS. AND WHEN I CALLED THEM WAS TOLD THEY COULDN'T TELL ME ANYTHING. UMM FISHY SOUNDING. Unapologetically sorry.Review fromHilton A
Date: 12/23/2024
1 starA scam, and predatory to boot. Exorbitant payment fees for a loan that should have been simple payments back. Have made several payments that also caused my bank account to be closed. Won't pay another cent.Review fromTrevi B
Date: 10/28/2024
1 star****************** doing business as: Rise Credit Services/SunUp Financial/Capital Community/Utah Chartered Bank/Elevate Credit/Elastic Credit/Financial Wise Bank, etc - this is the short list of DBA's related to Balance Credit that I was able to prepare with my limited knowledge of Predatory lending practices. This was my first experience of deceptive or unethical means to convince me to accept a loan. They knowingly took advantage of the vulnerable financial predicament we were in and in one ST loan of $2,500 have ruined our credit score that we went to them to repair.BalanceCredit.com
Date: 11/05/2024
Balance Credit is in receipt of the consumers review. Balance Credit is an authorized servicer 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 review, 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 Trevi ***** regarding this matter. A member of the Resolution Team will call Trevi ***** 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 CreditReview fromYolonda T
Date: 10/08/2024
1 starDon't do business with them. They lie about the interest rate. They say it's 24% & once you get the loan it goes up to 224% interest rate once you are approved for the loan. 3 days after I was approved someone went into my account and charged almost $800 to a company I've never even heard of. My bank locked my *********** had to dispute all 7 charges. It had to be a inside job.BalanceCredit.com
Date: 10/18/2024
Balance Credit is in receipt of the consumer’s review. Balance Credit is an authorized servicer of Capital Community Bank (“CCBank”). CCBank is a Utah state-chartered bank with the FDIC 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 review, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without a specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credit’s 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 Yolonda Thomas regarding this matter. A member of the Resolution Team will call Yolonda Thomas 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 CreditReview fromIvonne M
Date: 09/18/2024
1 starDO NOT TO BUSINESS WITH Balance Credit. I was in an emergency situation and needed $3000. They gave me the loan and I thought I would have been able to pay them *** earlier. They placed the loan on my credit report. That $3000 loan turned out to be $7000 and would have been even more if I had went to full term of the agreement but I managed to pay off earlier. I didn't want my credit to be messed up so I paid it. I spoke to the resolution team that did nothing to help me! Just told me the interest would keep adding up. They are predatory lenders and I don't understand why no one regulates the amount of interest they charge. Hard working people that just fall behind and need funds - they take advantage of. Please beware and do hot fall into their trap.BalanceCredit.com
Date: 09/25/2024
****** ******* ********************************************* ********************* RE: Better Business Bureau Review Balance Credit is in receipt of the consumers complaint. Balance Credit is an authorized servicer for CC Connect, 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 review, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without a 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
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