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:06/16/2025

  Type:Billing Issues
  Status:

  UnansweredMore 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 complaint is regarding an account from *************************** that continues to report on my credit file with completely inaccurate payment history, an unverified balance, and no proper response from the company.I initially submitted a **** complaint in October 2024 regarding incorrect 30-day late payments being reported for October and November 2023. Stellar Finance responded to the **** claiming they sent their reply to me directly but I never received any communication, and multiple follow-up complaints have been ignored.The reporting is deeply flawed. They marked the ********** days late two months in a row, which doesnt make sense procedurally;Then 60 days late in January 2024, 90 in February, 120 in March, and 150 in April;Yet now the account status says 180 days late, even though there is no 180-day late shown anywhere in the payment history.This timeline is contradictory, internally inconsistent, and completely unreliable a direct violation of the Fair Credit Reporting Act (FCRA), which requires data furnishers to report with maximum possible accuracy.On top of that, I have been requesting proof of the $189 balance that is being reported and after over six months, Stellar Finance has not provided any documentation to validate the debt or the amount. This failure to validate, paired with repeated inaccurate reporting, is unacceptable.Additionally, Ive confirmed that Stellar Finances business registration is forfeited in the state of *****, meaning they are not legally authorized to conduct business or report to credit bureaus in the state.Due to the companys failure to properly validate the account, multiple inaccuracies, and lack of authority to report, I am demanding that this account be immediately removed from all credit reporting agencies. I also request written confirmation of the removal. If this is not resolved, I will take further action through the ***, state Attorney General, and pursue legal remedies under the ****.

• Initial Complaint

  Date:04/23/2025

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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.

  My account has been paid off in full the end of February and the beginning of march it was not updated in my account and not updated to the credit bureaus its been passed ***************************** good standing and paid to Experian. But they gave me a late payment for the month of April how when its paid off in full I will attach documents as u see on the document they said by April 3rd in good standing and its still not in good standing in my credit report this business has made my financial growth hard

• Initial Complaint

  Date:04/09/2025

  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.

  First off I had tried to make payments on the account and offered to make payments for over a year they kept telling me they dont accept payment plans for over an entire year so I was willing to pay they denied me. Then back in February I was told I could make payments in the account to pay balance okay I did that its paid in full they have not reflected it on my credit at all its past 30 days I need the late payments drop because they lied and said I couldnt make payments which if they wouldve let me it wouldve been paid off. Secondly I need my points to Experian to go up and report the accounts current in my credit to out be back in good standing . Even after the account been paid off they reached out again stating that I owe still which I dont I have receipts

  Business Response

  Date: 04/14/2025

  Hi ********
  
  Thank you for reaching out and sharing your concerns. We understand how important your credit profile is and appreciate the opportunity to clarify.
  
  Weve reviewed your account and can confirm the following payment activity:
  
  03/13/2025: $100.00
  03/14/2025: $25.00
  03/15/2025: $119.19
  
  While we appreciate your efforts, our records show that these payments were made in March. As a result, the balance was not fully paid by the end of February. Because StellarFi reports your account status on the 20th of each month, Februarys report accurately reflected a delinquent status based on the payment timeline.
  
  For the month March, weve reported your account as paid in full, and this update has already been submitted to the credit bureaus. Please note that it typically takes 35 weeks for changes to be reflected on your credit report. If its been more than that, we encourage you to file a dispute directly with Experianwell be happy to respond promptly to help facilitate the update.
  
  We understand your frustration and appreciate your patience. If you have any additional questions or concerns, please contact our Member Support team at ************************************************************
  

• Initial Complaint

  Date:11/13/2024

  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 writing to dispute the inaccurate reporting of payment information on my credit report. Your company has reported 30-day late payments for both October 2023 and November 2023, which is a clear violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681e(b). Not only was there no method of verification (MOV) provided, but this reporting also cannot be validated under U.S.C. law, as it is incorrect to report consecutive 30-day late payments in this manner.Additionally, your records indicate an outstanding balance, which has not been validated. I request the immediate removal of these inaccuracies from my credit report.I have attached supporting documentation, including the erroneous account details, making it clear that this information is not reporting accurately.Please see the attached True Bill. I am liable for up to $1,000 per violation, and payment should be remitted to the address listed on the invoice.

  Business Response

  Date: 11/15/2024

  Thank you for contacting us regarding your concerns with your StellarFi account.  After reviewing your account, we can confirm that the reported delinquency on your credit report is a direct result of an unpaid bill.  On May 11, 2023, StellarFi paid a bill to Metro PCS on your behalf yet we were unable to recover the funds from your linked bank account.  Upon repeated notifications of the due balance, the delinquency was reported in full compliance with the Fair and Accurate Credit Transactions Act (FACTA) to ensure accuracy of your account information.  If you have further information to provide about this payment, for privacy and security reasons we recommend reaching out to us directly at ********************************** so that we can promptly assist.

  Customer Answer

  Date: 11/18/2024

  Complaint: 22553031
  
  I am rejecting this response because: Your response to my previous claim of inaccurate information on my credit report is insufficient and fails to address the actual issue. My dispute is not about whether the account was late but rather your failure to adhere to proper reporting guidelines under the ****. You have reported 30-day late payments for both November 2023 and December 2023. This is inaccurate. If I was 30 days late in November 2023, then by December 2023, I would have been 60 days late. Your reporting of consecutive 30-day late payments is misleading and does not comply with **** standards, making the subsequent months of late payments (60, 90, 120, 150 days) inaccurate as well. This pattern of incorrect reporting undermines your credibility and is a clear violation of **** requirements. Additionally, you have failed to provide documentation, such as payment history records or evidence from your books, to substantiate your claims. A mere written response without supporting evidence amounts to hearsay and does not meet the standard of validation. I have attached proof of the account on my credit report, highlighting your erroneous reporting. As a result of these inaccuracies, I a m demanding that this account be immediately removed from my credit report. If you fail to comply, I will pursue further actions, including considering legal remedies for damages. I urge you to reference ******** v. BAC Home Loans Servicing, LP, No. 2:10-CV-0228-RWS, 2012 WL ****** (N.D. Ga. Jan. 12, 2012). The court awarded the plaintiff monetary damages for the harm caused by the creditor's negligent reporting and failure to comply with the ****. Furnishers have a responsibility under FCRA 1681s-2(b) to investigate disputes which you have not done otherwise I would not be able to point out the erroneous error on my credit report. I am keeping a clear paper trail of our correspondence.
  
  Regards,
  
  ***** *****

  Customer Answer

  Date: 12/06/2024

  Complaint: 22553031
  
  I am rejecting this response because:

  Your response to my previous claim of inaccurate information on my credit report is insufficient and fails to address the actual issue. My dispute is not about whether the account was late but rather your failure to adhere to proper reporting guidelines under the ****. You have reported 30-day late payments for both November 2023 and December 2023. This is inaccurate. If I was 30 days late in November 2023, then by December 2023, I would have been 60 days late. Your reporting of consecutive 30-day late payments is misleading and does not comply with **** standards, making the subsequent months of late payments (60, 90, 120, 150 days) inaccurate as well. This pattern of incorrect reporting undermines your credibility and is a clear violation of **** requirements. Additionally, you have failed to provide documentation, such as payment history records or evidence from your books, to substantiate your claims. A mere written response without supporting evidence amounts to hearsay and does not meet the standard of validation. I have attached proof of the account on my credit report, highlighting your erroneous reporting. As a result of these inaccuracies, I a m demanding that this account be immediately removed from my credit report. If you fail to comply, I will pursue further actions, including considering legal remedies for damages. I urge you to reference ******** v. BAC Home Loans Servicing, LP, No. 2:10-CV-0228-RWS, 2012 WL ****** (N.D. Ga. Jan. 12, 2012). The court awarded the plaintiff monetary damages for the harm caused by the creditor's negligent reporting and failure to comply with the ****. Furnishers have a responsibility under FCRA 1681s-2(b) to investigate disputes which you have not done otherwise I would not be able to point out the erroneous error on my credit report. I am keeping a clear paper trail of our correspondence.

  
  Regards,
  
  ***** *****

• Initial Complaint

  Date:10/23/2024

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  Stellarfi is appearing on my credit report fraudulently, I submitted a ticket and all the documentation including police report and ftc report via their chat support in august and since then there has been no contact or updates.

  Business Response

  Date: 10/29/2024

  Hi ******* - thank you for taking the time out to voice your concerns.  We recently responded with our final determination last week.  Please let us know if you did not receive that communication.  Further, we recommend filing a dispute with the credit bureau in order to process a removal.  If you need more information on how to start that process, our support team can outline those steps for you so please reach out and let us know if we can assist.  

  Customer Answer

  Date: 10/31/2024

  Complaint: 22461775
  
  I am rejecting this response because:

  I did not receive an update on the dispute. Could you please attach it to this BBB complaint? 
  
  Regards,
  
  ******* *******

  Business Response

  Date: 11/04/2024

  Please find the attached documentation per your request.

  Customer Answer

  Date: 11/04/2024

  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.
  
  Regards,
  
  ******* *******

• Initial Complaint

  Date:08/07/2024

  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.

  StellarFi has been billing me nonstop despite them contributing to my credit score that dropped when they unlinked with one of the credit bureaus. I forgot which one I emailed about it to no avail. I dont think these people are connecting the dots that they need to reach out because I was always early on time with my payments. Then I canceled and they keep trying to charge me. Not only do they need to reach out to the bureau to resolve the issue because Im not in charge of getting that off. I can dispute until Im blue but instead of helping StellarFi ignores me. Reviewing my charges but they owe me 9.99 that is pending, 9.99, 7.66, 7.66, 9.99, and probably more. Im just going off the visible transactions on that I can go back to on my app. Get in touch with me immediately. I will pursue legal action if they dont fix this issue

  Business Response

  Date: 08/08/2024

  Hi ******, StellarFi charges a monthly membership fee that you agree to pay when you sign up for an account.  This fee has no relation whatsoever to your credit score, meaning that we don't charge based on what your credit score is when you sign up and what it is during your enrollment.  We proactively reach out to you if we attempt to charge your bank account and the payment is unsuccessful - be sure to let us know if you are not receiving email notifications.  Our records show that there has never been a request to close your account.  Keep in mind that you can close your account at any time without reaching out to Support by logging in to your dashboard and navigating to your user profile.  If you desire to file a dispute for charges, we recommend reaching out to StellarFi's Support team as we can handle that request for you securely outside of a public forum.  We recommend including specific details when filing a dispute such as the amount, date of the transaction, and the name of the vendor.  If you are not disputing any transactions, we'd still like to hear confirmation from you if would like to close your account or keep it open so that we can make sure to carry out your request.  We look forward to hearing from you.
  
  
  
  
  
  
  
  

  Customer Answer

  Date: 08/08/2024

  Complaint: 22106615
  
  I am rejecting this response because:
  

  Never once implied that I dont know how this site works or how payments work. Im fully aware of all of this. As explained I was charged despite canceling the service. They unlinked stellarfi with one of the bureaus causing a big dip to my credit score. That is in fact how it works. Paying for the service of course does not affect the score. If a bureau unlinks it thats not on me. I make my payments on time and what I mean by that since apparently it wasnt clear from the beginning. Paying for all the accounts on time that are linked to Stellarfi should not result in a credit score dip. Thats what I was saying. Anyway. Im owed quite a few refunds and StellarFi needs to honor those and contact the bureau to get my points back. Can file a lawsuit if necessary. Thanks 

  indicates I should not have any 

  Regards,
  
  *******************************

  Business Response

  Date: 08/09/2024

  Can you clarify how we can serve you - are you wanting to close your account?  Or, are you disputing a charge?  StellarFi does not guarantee a credit score increase and we can't influence a bureau to "get points back" as that is only controllable by the individual credit bureau.  In general, a credit score decrease can quickly rebound with consistent on-time payments and credit utilization.  If you can clarify how we can help, we'd like to assist as best we can. 

  Customer Answer

  Date: 08/09/2024

  Complaint: 22106615
  
  I am rejecting this response because:

  I dont think anyone is clear how reporting to a credit bureau works. Obviously if something gets removed from a credit report or in this case no longer reports after being unlinked with a bureau I should say, that would cause a score to drop. How is that not clear? I explained about 1000 times to StellarFi to fix whatever it was that caused that problem because the bureau dropped my score after I think it was Transunion and StellarFi stopped working together. So my score dropped like ***** something points or so I forgot the exact # but there was NO reason that my score would have dropped. The reason that was attached was the one I explained about fifty times which was StellarFi and Transunion or whatever it was stopped reporting or something. I was told it was being worked out thats fine and well but the problem is my score dropped because of that. Im sure other customers faced that issue also. Its not my problem. It shouldnt be my job to fix this issue to recover points I never should have lost to begin with. So I need StellarFi and whoever else to fix the damage they caused. Ill decide if I want to continue my membership but Im also owed refunds as well 

  
  Regards,
  
  *******************************

• Initial Complaint

  Date:05/14/2024

  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.

  February 2023 I paid a bill for $165 using StellarFi.I didn't like the service, so I stopped using it.Around March 2024, I get an alert from a credit bureau that StellarFi is reporting a late payment of $165 FROM FEBRUARY 2023.I contacted them via email. I send them my bank statements showing my payment/deduction of $165. I ask for a phone number to talk to someone. They don't give me a phone number. It is hard to get a response from them. My credit report now says StellarFi has reported THREE LATE PAYMENTS STELLARFI IA ABOUT TO REPORT A FOURTH LATE PAYMENT The customer service is not good. Slow, unhelpful, frustrating. I just want them to fix their error!!

  Business Response

  Date: 05/14/2024

  Hello, our Member Success team has been communicating with you regarding the bill in question.  We recently completed a thorough investigation and review of the bill and sent our findings to you yesterday, May 13, 2024.  The investigation concluded that there remains an outstanding balance due to StellarFi.  Once that balance has been satisfied, your bill will be reported as paid and we'll no longer report a delinquency.  Please reach out to us directly at ********************************** and we would be happy to assist with processing the payoff.  Thank you.

  Customer Answer

  Date: 05/14/2024

  Complaint: 21705772
  
  I am rejecting this response because:
  I provided the documents that they requested.

  I gave them my statements. It shows the $165 deduction from my checking account.  

  I would like StellarFi to provide me with details of their investigation. I would like to see how they came to the conclusion that i owe them $165. I would like proof of this.

   

  I have not been provided with a phone number for StellarFi. I asked 2 times.

  I am 100% disabled with cognitive problems and I've been blown off by the email customer service. It is hard to communicate through email. 

  I would like information and contact information for a headquarters or a corporate office

   

   

  Regards,
  
  *******************************

  Business Response

  Date: 05/15/2024

  StellarFi offers support for our members through both email as well as chat.  You mentioned having difficulty with email, so we recommend instead, chatting with us to get more immediate responses.  Chat is available with our live agents Monday-Friday from 8-6pm CST which can be accessed on our website as well as when logged in to your account.
  
  We do protect our members' personal information online, however, I can provide some additional clarification about the investigation of your bill.  When a bank account is linked to a StellarFi account, transactions can be viewed in the StellarFi dashboard but that is the extent of the access.  Our investigation showed no record that the bill in question was processed through our bill processor.  We did see other StellarFi transactions from different bills that were posted but our systems did not show that the bill in question was collected from your bank account.  We suggest reaching out to your bank to get more details about the transaction in relation to your statement as only the bank account holder can request that information.

  Customer Answer

  Date: 05/15/2024

  Complaint: 21705772
  
  I am rejecting this response because:

  FAILURE TO PROVIDE CORPORATE OR MAIN OFFICE PHONE NUMBERS

  If there was a legitimate problem,  why did StellarFi wait around one year to say something? 

  StellarFi is ruining my credit over a mistake that was made on their end.

  It doesn't seem right, it doesn't make sense. I cannot give this company $165 that I do not owe. 

  Payment processing error should never be your customers problem. 

  I reached out to my bank. I was told to give StellarFi my statements. 

  StellarFi asked for my statements.

  I gave StellarFi my statements. 

  My one statement clearly show the $165 deduction from my checking account 

   

   

   

  
  Regards,
  
  *******************************

• Initial Complaint

  Date:05/02/2024

  Type:Billing Issues
  Status:

  ResolvedMore 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 account was closed when I filed for Chapter 13 bankruptcy. These scammers have been reporting bills "delinquent" that I have not had for over 6 months nor do I do business with them any longer. They just sent me an email stating, "Currently, your account is in a closing status. However, the account cannot be completely closed until the owed balance is resolved. Currently, that balance is $196.19. You would need to log in and repay that owed amount to fully close and prevent delinquency reporting. " I owe them NOTHING.

  Business Response

  Date: 05/06/2024

  To complete an account closure request due to bankruptcy, proof of bankruptcy is required.  It appears that information was just recently sent to our Member Support team.  As a result, your account has been closed.  If we can assist you further, please reach out to us at **********************************.  

  Customer Answer

  Date: 05/07/2024

  Complaint: 21657417
  
  I am rejecting this response because: I respectfully request a refund of all charges that have been made to my account since the date my Chapter 13 bankruptcy petition was filed. Thank you. 
  
  Regards,
  
  ***********************

  Business Response

  Date: 05/07/2024

  There was a balance due to StellarFi prior to the member's bankruptcy filing in September 2023 and after that point, no further account activity occurred.  The last account activity that did occur was in June 2023, months prior to the the bankruptcy filing.  Because there was a balance due, a refund is not applicable.  To clarify, a refund to the member cannot be made if the original payment from that member was not successful.  Since the account has been closed, the amount due to StellarFi has been written off and this member is not responsible for paying the amount due based on the bankruptcy filing.  For security and privacy reasons, we highly recommend reaching out to our Support Team if you would like specific information related to your personal account and we would be happy to assist.  

  Customer Answer

  Date: 05/07/2024

  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.
  
  Regards,
  
  ***********************

• Initial Complaint

  Date:04/15/2024

  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 opened the account with the understanding that I would connect my bank account my bills would be paid then drafted from my account. This process did not work. My account had more than enough funds and it kept saying my account had insufficient funds. I wanted to cancel my account but the prompt said it would negatively affect my credit score so I reached out to see if that could be avoided because I did not want that to happen due to being the main reason I tried the product (to increase my credit score). I was told I could pause my account and not be charged. Next thing I know a hit to my credit report about a late payment! I reach out to understand why I was told something different and was advise that there was a $5 balance from a returned bill prior to me pausing my account which was not relayed to me because if that was the case I would have paid the little $5 prior to pausing. By this time of course I don't trust the product and did not want to link my account which I was told was the only way to make this payment. Against my judgment just wanting to be done and them to go ahead and cancel my account I linked my account and it attempting to charge me more!! I just want my account closed, the $5 taken and the negative marks on my credit removed as the malfuncioning of their product I should not have to pay for with my credit that I have been working so hard to repair and was doing fine without this product. They are unprofessional because they don't care about whatever issues there is they just want access to your account and to strong hold you into fees when they don't do as they advertise.

  Business Response

  Date: 04/17/2024

  We appreciate you voicing your concerns.  We do inform those who wish to close their StellarFi account that there could be a credit score impact which is typically the case when a tradeline is removed from one's credit history.  One option we provide is to pause your account so that you're not charged a monthly membership fee yet your tradeline remains and is not removed.  As you mentioned, there was a payment that was not repaid back to StellarFi which put your account into a negative standing.  As of the time of this reply, it appears that the outstanding payment has been initiated and once that payment is posted to your account, your ********************** account will be closed per your request.

  Customer Answer

  Date: 04/17/2024

  Complaint: 21578242
  
  I am rejecting this response because: The late payment that is showing up on my credit needs to be removed as I was not told there was a returned payment prior to pausing my account. 
  
  Regards,
  
  ***********************

  Business Response

  Date: 04/18/2024

  The repayment was posted to your account today which has removed the outstanding balance and your credit report will be updated to good standing at our next reporting date.  Please reach out if you need any additional help as we are here to assist with any other questions or concerns you may have.  Thank you!

  Customer Answer

  Date: 04/18/2024

  Complaint: 21578242
  
  I am rejecting this response because:
  After my payment was processed my account was supposed to be cancelled immediately after. I am still showing my account is active and my banking information still linked. Once again what I have been told would happen has not happened. Please continue with closing my account and guarantee that my credit report will be updated. 
  Regards,
  
  ***********************

• Initial Complaint

  Date:03/11/2024

  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.

  Needing clarification upon refusal to remove late negative reports after many months of disputing this.If you are claiming 30-60-90 day late payments starting in November is correctly reporting. Wouldnt a ******************************* May be correct math? To start reporting in November doesnt make sense. It does speak to your inconsistency and no real standard protocol. There is no logic to you agreeing to now close this membership as opposed to last year when I began disputing this. By your choice to not honor my request to cancel the membership in turn allowed you to start reporting late payments. Knowingly Negatively affecting my credit score and mortgage interest rate.*Stellarfi is still refusing to remove any negative late payment reporting regardless if payment is made or not.*denying the validity of ftc report *still has not provided a statement from the merchant stellarfi claims to have paid on my behalf.*not providing a clear explanation behind the $200 deposit made to me in Dec when you claim I owed that amount in November. Can you confirm that these rules and actions are standard protocol for all Stellarfi membership holders?Is it standard for you to pay a persons bill with not enough funds available in that account?Please explain why my membership is now being removed and account closure is approved. Can you please tell me what dispute reason/dates you provided to the bank in order to receive those funds?1 month of this company paying my spectrum ******* Bills with my own money has caused immeasurable long term financial damage.

  Business Response

  Date: 03/14/2024

  November was when we began to start reporting the trade line as delinquent due to an open balance. Whenever a bill payment fails, we offer a grace ****** to allow our customers extra time to pay back before we begin to report late payments. We understand that life happens and this grace ****** allows members to pay us back if the initial debit for that bill payment fails.  Your account has been closed per your request, however, the negative standing of your account is accurate at the time of reporting.