Complaints
Customer Complaints Summary
- 182 total complaints in the last 3 years.
- 68 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:04/22/2025
Type: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 renovate America I do not have a contract with blackwell recovery/concord they did not provide me with the original contract as i requested.
Business Response
Date: 04/24/2025
Hello,
Concord Loan Servicing's sole purpose on this contract is third-party loan servicing company. On our end this account is showing as paid in full. Consumer would need to contact *********** directly.
Thank you!Initial Complaint
Date:02/06/2025
Type: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.
In October *************************************************************************************** December 2022 we received a letter stating our account would then be financed by Equiant. Then in 2024 our account was then transferred to Concord Financing. The only notification I received was when I attempted to log into Equaint and it directly opened up a log in window for Concord Financing. It accepted all my log in information. Recently when checking on my account the login-in page gave me a notification your accounts are no longer *********************** on our systems. This came about with no receipt of any type of correspondence that my account would be transferred to another finance company. At this time, my payments continue to come out of my account, but I have no idea who is receiving the payments, no way of checking my account with ******************** Financing. I have tried numerous ways of contacting who now owns my account. I received an email from Concord stating that "We are pleased to inform you that your request has been successfully closed. Thank you for reaching out to our Concord team. I then replied "Can you tell me where my account has been sent to? I would like the contact information of said company so that I can create an account with them." With no response to me.Business Response
Date: 02/10/2025
Hello,
This account is owned by *************** and we did service the loan. However as if May 2024 we stopped servicing the accounts for that client. For any questions and or additional information, you would need to reach out to the at ************.
Thank you!
Customer Answer
Date: 02/10/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
******* *********
Initial Complaint
Date:01/05/2025
Type: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 concord servicing LLC. I do not have a contract with CONCORD SERVICING LLC. They did not provide me with the original contract as I requested.Business Response
Date: 01/09/2025
Hello,
We have tried to locate an account with the information provided but have no match. We would need to get a full address as well as the account number that is listed on the credit reporting so that we can locate the account in our system. Once we have additional information we can start the process of validating the debt.
Thank you!
Customer Answer
Date: 01/09/2025
I did not enter in any contract with concord servicing LLCBusiness Response
Date: 01/13/2025
Hello,
We would love to be able to assist with this complaint and provide a validation of debt. However we are not able to locate an account with the information provided in the complaint. If you can please provide name (if any other variations), full address, and phone number or if you have an account number that you can provide so that we can locate the account information that is being disputed.Thank you!
Initial Complaint
Date:09/06/2024
Type: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.
ENROLLED IN ADULT GUITAR #****.300 PAID ON JULY 2 2024. ***** STARTED JULY 8 2024 LOCATION ********************* . THE ***** WAS CANCELLED ON THE FIRST DAY BECAUSE NOT ENOUGH PEOPLE I WAS THE ONLY ONE THERE.. I CALLED ON JULY 9 2024 AT ************ THE CLERK SAID A CHECK WILL COME TO ME IN MAIL. NO CHECK CAME CALLED AGAIN ON JULY 25 2024 TALKED TO MARCHA BECAUSE THEY TOLD ME SHE WAS IN CHARGE OF REFUNDS . SHE SAID THEY WERE CHANGING SYSTEM AND HAD TO WAIT UNTIL FIXED . I CALLED AGAIN ON AUGUST 13 **************************************** BUT SO FAR NO CHECK FOR REFUND.Business Response
Date: 09/09/2024
Hello,
We believe this was filled incorrectly or with wrong company. We do not do music classes or instruments repairs. We are a third-party loan servicing and collections company.Thank you!
Customer Answer
Date: 09/10/2024
THIS IS LA *************** SERVICES WHICH PEOPLE PAY FOR DRIFFERENT *****ES TO SIGN UP NOT JUST MUSIC I SAID MUSIC BECAUSE THE ***** WAS HELD AWAY FROM THE LA *************** SERVICE BUILDING . IT WAS HERE AT THE LA *************** SERVICES THAT PAYMENT WAS DONE . THIS IS PART OF THE CITY OF ********. THEY ALSO HAVE ADULT AND SENIOR *****ES THANK YOUBusiness Response
Date: 09/11/2024
Hello,
We are a third-party loan servicing, technology, and collections company. This is not a company that we work with and we did do a search in our system to see if you have a loan or maintenance account with us but do not have anything in our system to match the information provided.Thank you!
Initial Complaint
Date:01/27/2024
Type: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 want to assert that I am not liable for the debt that is linked to BLACKWELL RECOVERY, as there has been no contractual agreement between us. It is essential to emphasize that I have not willingly entered into any financial obligations with them. Furthermore, in my effort to address this issue appropriately and transparently, I made a formal request to WORLDMARK THE **** for the provision of the original contract relevant to this particular debt. Regrettably, despite this request, they have not fulfilled my inquiry by providing the requested documentation. This lack of transparency and cooperation from WORLDMARK THE **** has added to the complexity of the situation, making it necessary for me to seek further assistance and clarification to resolve this matter effectively.------------Business Response
Date: 01/30/2024
Hello,
We are not able to locate a customer with the information provided. We did a search by name, address, and phone number. If a copy of a statement can be provided, an account number, or maybe a different name that the account could be under. Please provide additional information so that we can locate this account.Thank you!
Initial Complaint
Date:09/17/2023
Type: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 shows that I owe $***** on my ******** credit report. from Dec 31, 2018. When I called Equiant Financial Services on Friday, September 15 to get information about this, I was told that they have no account for me and there's nothing in writing they can send me to indicate as such.Business Response
Date: 09/19/2023
9/19/2023
RE: BBB Complaint Case #: ********
Account #: ********4942
Equiant Financial Services Inc. and ********* *******
Dear Better Business Bureau,
Please accept this correspondence as a response to the Mr. ****** dated 09/17/2023.
Equiant Financial Services Inc. (“Equiant”) is the loan and billing platform used by ********* ******* the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account ********* ******* will be reach out to you.
Any further inquiries should be directed to ********* ******* at ************** or ***************************
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Customer Answer
Date: 09/20/2023
The response does not explain why Equiant is showing on my credit report, as I do not have an account with Equiant.Business Response
Date: 09/21/2023
9/21/2023
RE: BBB Complaint Case #: ********
Account #: ********4942
Equiant Financial Services Inc. and ********* *******
Dear Better Business Bureau,
Please accept this correspondence as a response to Mr. ****** dated 09/20/2023.
Equiant Financial Services Inc. (“Equiant”) is the loan and billing platform used by ********* *******, the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of the accounts, Zealandia Capital is the original creditor. As well as ********* ******* is the company that hold your original contract associated with this account. Please reach out to ********* *******; for they will be able to assist you. ********* ********s contact information is listed below.
Any further inquiries should be directed to ********* ******* at ************** or **************************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Initial Complaint
Date:09/02/2023
Type: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.
I have a personal loan with Concord since October 1, 2021. Previously, this account was transferred from ***************. Recently, I was informed by a financial institution that Concord has my account listed as a mortgage. This changes my financial profile tremendously. I have contacted Concord several times, even spoken to a manager, requesting a copy of the contract so I can forward the correct information to the credit agencies. Upon speaking to them, I was told the contract will be sent to my email in 7-5 business days, then 1 -3 business days, finally 1 day. Each time I spoke to Concord I'm told a different story, never resolving the issue. I contacted FCC, the former agency to see if they may have had a copy of the contract. Unfortunately, they did not and informed me Concord should honor my request because all the information was forwarded to them. In order to correct my credit report, I will need a copy of the contract or Concord needs to contact the credit agency and correct the information that it's not a mortgage, but a personal loan.I appreciate your much needed and valued assistance. The BBB has helped me several times in the past. I'm grateful for your professionalism and support of customers as myself.Thank you again for your assistance!Best regards,*****************************Initial Complaint
Date:08/30/2023
Type: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 8/9/2023 i sent this letter to Equiant .EQUIANT FINANCIAL SERVICES is reporting my transactions and experiences specifically late payments on my consumer report:March 2017 90 days late February 2017 60 days late January 2017 30 days late Equiant is in clear violation of the law. Pursuant 15 USC ****a 2(A)(i) EXCLUSIONS- Except as provided in paragraph (3), the term consumer report does not include(A)subject to section ****s3 of this title, any(i)report containing information solely as to transactions or experiences between the consumer and the person making the report;THE LAW CLEARLY STATES:Transactions between the consumer (ME) and the person (EQUIANT FINANCIAL SERVICES) Making the report is NOT INCLUEDED on my Consumer report!A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!YOU HAVE VIOLATED THE **** 15USC ****a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.ACC # ******XXXXXX As out lined in 15 USC ****a 2Ai Congress specifically says transaction or experiences with the Consumer (me) and the person (*******) making the report is not included on my consumer report. Without a shadow of a doubt, you now know that the information you are reporting is in fact inaccurate.15 U.S. Code **** - Congressional findings and statement of purpose (a)Accuracy and fairness of credit reporting The Congress makes the following findings: (1) The banking system is dependent upon fair and accurate credit reporting. (4) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code ****b - Permissible purposes of consumer reportsBusiness Response
Date: 08/31/2023
8/31/2023
RE: BBB Complaint Case #: 20543399
Account #: ********0097
Equiant Financial Services Inc. and **********************
Dear Better Business Bureau,
Please accept this correspondence as a response to the ************** dated 08/30/2023.
Equiant Financial Services Inc. (Equiant) is the loan and **************** used by ********************** the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records the account in question does appear closed already. In order to change or delete the account reported you would need to reach out to **********************. Below is the contact information for **********************.
Any further inquiries should be directed to ********************** at ************** option 5.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Customer Answer
Date: 08/31/2023
sstar point isn't the one thatbis reporting this to the consumer reporting agency. This is why I sent this to Equiant. Experian said that they verified the information with themCustomer Answer
Date: 08/31/2023
sstar point isn't the one thatbis reporting this to the consumer reporting agency. This is why I sent this to Equiant. Experian said that they verified the information with themBusiness Response
Date: 08/31/2023
8/31/2023
RE: BBB Complaint Case #: 20543399
Account #: ********0097
Equiant Financial Services Inc. and **********************
Dear Better Business Bureau,
Please accept this correspondence as a response to the ************** dated 08/30/2023.
Equiant Financial Services Inc. (Equiant) is the loan and **************** used by ********************** the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records ********************** is the original creditor. ********************** would need to be the ones to delete or change the credit history on the closed account. As for ******************** we are just the servicing agent for **********************. Listed below is the contact information for **********************.
Any further inquiries should be directed to ********************** at ************** option 5.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Initial Complaint
Date:08/21/2023
Type: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 debt with **********************. I do not have a contract with EQUIANT FINANCIAL SERVICES, they did not provide me with original contract as I requested.Business Response
Date: 08/23/2023
8/23/2023
RE: BBB Complaint Case #: *******
Account #: ************
Equiant Financial Services Inc. and **********************
Dear Better Business Bureau,
Please accept this correspondence as a response to the **************** dated 08/21/2023.
Equiant Financial Services Inc. (Equiant) is the loan and **************** used by **********************, the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records the account is was closed. We have notified ********* of this complaint. As well as sending a copy of the contract as requested. Any further question or inquires need to be directed to **********************. Listed below is the contact information.
Any further inquiries should be directed to ********************** at ************** option 5.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Initial Complaint
Date:07/26/2023
Type: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.
*I am not liable for this Debt with GLOBAL EXCHANGE DEV CORP I do not have a contract with EQUIANT FINANCIAL SVCS, they did not provide me with the original contract as I requested.Business Response
Date: 07/27/2023
7/27/2023
RE: BBB Complaint Case #: 20377041
Account #: ********4376
Equiant Financial Services Inc. and *************************** Corp
Dear Better Business Bureau,
Please accept this correspondence as a response to the **************** dated 07/26/2023.
Equiant Financial Services Inc. (Equiant) is the loan and **************** used by *************************** Corp the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
After a review of account records we have sent a copy of the complaint to *************************** Corp. As well as we have sent a copy of the contract requested. Any issue with credit reporting needs be directed to *************************** Corp due to Equiant Financial Services Inc. is the service provider for them.
Any further inquiries should be directed to *************************** Corp at ************** Ext #1.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.Customer Answer
Date: 07/27/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
*****************************
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