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Business Profile

Payment Processing Services

Colonial Transfer, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Payment Processing Services.

Complaints

Customer Complaints Summary

  • 25 total complaints in the last 3 years.
  • 10 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:07/03/2025

    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.
    This business makes my biweekly car payments. They made the last payment with the lender on 5/27/2025 however the debited my account on 6/9/2025. There was no car payment made after that. They say it was for fees because of a bounced transaction and closing the account but they closed my account without my knowledge. They closed my account because the payment they took did not post and didn’t inform me until I contacted them to reschedule it. They are refusing to make my car payment and refusing to refund me. They took over $200 from me and still have not sent me a requested idolized receipt for the charges that they made up.

    Business Response

    Date: 07/08/2025

    This customer already filed a previous complaint with BBB and it was decided it was taken care of. As a reminder, in order to have an active account with a company that pays your bills, you must have successful debits. We cannot pay a lender if the debit is not successful.

    Customer Answer

    Date: 07/08/2025

    They make the payment at the 27th of every month. The last payment they made was 5/27/2025. They took a payment 6/9/2025 but they closed my account because the second half of my car payment declined. I even tried to reschedule the payment to come out. They originally told me I would be refunded then made up fees. I have never been charged a fee for failed debits I've always just rescheduled. They also have not sent me an itemized receipt showing exactly where my $237.91 went. They took half of my car payment and did not make the car payment. The money they took from my account was specifically for a car payment they cannot decide to use it for made up fees. If there were other fees I should have been billed for those separately after they made my car payment. They closed my account. I did not request the closure. I cannot afford for them to take half my car payment and not pay my car. 

    Business Response

    Date: 07/10/2025

    We have resolved with customer

  • Initial Complaint

    Date:06/26/2025

    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 had money taken from my account for a car payment that was never made. The company then closed the account and said they will not be refunding the money. They said they are charging me for closing the account but I did not request the closure. They closed it on their own accord.

    Business Response

    Date: 06/27/2025

    In order to have an active account, you must have successful debits. The customer had multiple failed debit attempts. As a courtesy we notified her that she can pay her lender directly and that our service is for customers for whom a biweekly schedule fits their needs. Not only did her scheduled debits fail, but also the debits she scheduled to make up for the missed debits fail.

    Customer Answer

    Date: 06/27/2025

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

    Regards, 

    ******* ****

  • Initial Complaint

    Date:06/13/2025

    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.
    The company mismanaged payments closed my account and reversed a payment that was already applied to my account causing my account to fall behind there keeping my money and refusing to contact me once I proved to them that all payments was made my payment was reversed and applied to cancellation fees

    Business Response

    Date: 06/13/2025

    There were no successful debits from this customer to make a payment with. We processed a payment then her debit was returned to us. This is why the payment was stopped, it wasn't funded. Customer knows the debits failed and received many, many communications from us to rectify the account. 

    Customer Answer

    Date: 06/13/2025

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.   
    Regards, 

    ******** ******
      I made a total of 11 payments in which none was returned they did not give me credit for all of the payments made all I am asking is for them to provide me with the dates and amount of the payments that were received they can add it up and see that all of my payments were not credited  

    Business Response

    Date: 06/25/2025

    We have spoken to this customer and corrected the information. She is all set.

  • Initial Complaint

    Date:05/15/2025

    Type:Service or Repair 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 signed up with ***** *** through my Dealership. They said it would be easy. I purchased my car on March 28th my first payment was deducted from my checking account on April 18, 2025. My note was due on April 28th. My payment was not recieved by the finance place til the 1st of May. They then proceeded to take out $270.43 on May 2nd. It is now the 15th of May and my finance company still hasn’t received a payment. I’ve tried calling this place no answer, they say leave a voicemail and they will return your call. Still haven’t recieved a call back I’ve called 7 times from the 8-15th. The only way to get in contact is through a support email. And of course that is automated. I’m discussed.

    Business Response

    Date: 05/19/2025

    We are a payment processing company. Our job is to debit when and how much you tell us, and pay when and how much you tell us to the Lender you identify. The customer provided inaccurate information at enrollment and did not correct that when confirmation of all pertinent details was sent. However, the payment was made electronically (she insisted we sent a check, that is also inaccurate) and the due date provided was only a few days off so it posted to the account very quickly with no penalty. The customer simply could have called, emailed or sent a text to us (all information provided on our phone greeting) to update her incorrect information. She sent a text to cancel her account on May 9 and never provided any information so we could rectify the issue. If she thought her payment had not been made she never indicated that to us.  "I no longer need your service. I can process my payments through my loaner account to pay my car note" After cancelling, she received a confirmation email which she opened four times. This included all information regarding termination of her account. Her refund was processed within the 5 business day processing time as expected. She called us only once on May 15 and did not leave a voicemail. She did, however, leave a one star review online. Our team called her in response to that. On that call she told us that her Lender received the payment on May 1. We also confirmed that the last debit referenced here on May 2 had been processed as a refund to her as indicated in the email she read four times and the conversation she had with our team via text. But here she says that as of May 15th the Lender did not receive this payment.   For reference here is the review she left which is also inaccurate to the facts: I was told that my first payment deduction was going to be on the 18th so it can be on time for the 28th of April. My payment was late cause my car loan people did not receive a “check” til the 1st of May. They then took out 271 dollars on the 2nd of May and my money is no where to be found. I’ve tried calling no answer. Leaving messages no response. I’m going to report them to the BBB! It’s a scam do not do it! There is nothing for us to resolve, there is no issue and we have already handled the customer request to cancel and the refund as expected. 

  • Initial Complaint

    Date:04/23/2025

    Type:Service or Repair 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 closed my account April 11,2025 after I was told the company doesn’t send half payments to my car company. And they refund will be sent back to my bank in 5 business days and to allow an additional 24 hours to let my bank deposit it back to my account. I have yet to get it back I have texted and emailed the company but no response

    Business Response

    Date: 04/25/2025

    This customer only had one successful debit so there was never a full payment to send to the Lender. ********** refund was issued on April 16. She should carefully review her bank account.

  • Initial Complaint

    Date:03/25/2025

    Type:Order 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 paid colonial transferred $227 on February 14, 2025. We had a misunderstanding I needed the payments changed around. The program itself became a I wanted to cancel out of the program. I had to wait seven days for my refund and hassle them the past two just to get $175 back. They did not make one single payment to my car. There should be no fees there should be absolutely nothing that I am missing $50 for.

    Business Response

    Date: 04/09/2025

    There was no misunderstanding, the customer did not have enough successful debits from her account to make a payment to her lender. I have refunded the failed debit fees that she incurred.

  • Initial Complaint

    Date:02/01/2025

    Type:Service or Repair 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 made my January car payment but it has not posted. When I called to figure out what was going, the lady said that because my payment isn’t due until the 5th, that’s when it’ll post. When I explained the payment was made on 1/10 and 1/24, the payment should have posted then like it always had. She said she would follow up. Here we are with no payment posted to my account nor a refund.

    Business Response

    Date: 02/18/2025

    I think this customer is confused about the biweekly payment process. We have spoken with her and I think she misunderstood what was said. ****** account is paid many months ahead. We have called her twice to clarify and no response. There is no issue with this account.

  • Initial Complaint

    Date:01/17/2025

    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 Car note has been paid now since November and I have called numerous times and left numerous emails and cannot get a response. All I want is my money back which is over 1000 dollars now. Does anyone know how to actually reach these people

    Business Response

    Date: 01/21/2025

    We spoke to this customer last week and closed his account accordingly. This is how he knows the amount of his refund. 

  • Initial Complaint

    Date:01/02/2025

    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.
    Colonial Transfer is taking money out of my banking account after my car note is paid for the month. My rent is due today. I can't wait 5 to 7 business days to pay rent. I have to charge the car because it's electric. And that is not free. I would like my 366.07 returned.

    Business Response

    Date: 01/06/2025

    This customer will receive her refund as soon as is possible, which takes approximately five business days.

  • Initial Complaint

    Date:10/11/2024

    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.
    *** ******** **** was supposed to be a 3rd party bank that was used through a car dealership to do bi-weekly payments then pay the loan holder.

    They took out 4 payments from my account and the loan holder was never paid.

    I contacted Colonial Transfer multiple times and was told it was being handled.

    Turns out the sent the money to a wrong bank and the check was cashed.

    I have since received notice from the loan holder, *** ******** ****, saying my loan has went to the collection department. I was forced to pay September and October bill up front.

    Colonial Transfer needs to be held accountable and car dealership should not be able to use a 3rd party for paying loans. This has put me negative for paying bills and effected my credit score.

    Business Response

    Date: 10/15/2024

    When enrolling in our service, it is the customers responsibility to provide all necessary information to set up their account. Incorrect information was provided. She received several texts, calls and emails asking her to verify payment information that she never responded to. Now that we are aware of the issue, we are working with the customer and the lender to recover funds. 

Colonial Transfer, LLC is NOT a BBB Accredited Business.

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