ComplaintsforCredit9

• Initial Complaint

  07/26/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  They took out two payments on the same day and they are giving me the run around about if I"m going to get a refund of the second payment of ******. I called this morning and spoke to **** and she said that it was their fault for the second payment going through. Then she said I would have to call back on Wednesday to ask for my refund. I want my money back now since it was their fault. My bank could not dispute it because the payments were still pending. I asked for a Supervisor and they gave me the run around about one calling me back. I feel like they have stolen my money. This company is the worst!

  

  Business response

  07/29/2024

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have processed your refund in the amount of $265.05. You should receive email confirmation of this activity. We appreciate your patience in this matter.

  Customer response

  07/30/2024

  
  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

  07/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have attempted numerous times to resolve a matter with Credit 9 customer service regarding a defaulted settlement with ********************* ************ account ending in 1961. This settlement was in a defaulted status with Americor (Credit 9 partner company) prior to my acceptance of the Credit 9 loan, and multiple people at Americor assured me the account was being worked on or taken care of. I have spoken with multiple people both at ******** and Credit 9 through e-mail but still have not received a satisfactory answer as to why the settlement defaulted, or more importantly how this is being remediated. ******** refuses to answer my inquires now that Credit 9 has the account. **************** does not reply in a timely manner or by when they say they will update me, and responses are vague at best. I have saved all correspondence with both companies regarding this matter and will be happy to provide if needed. I never missed any payments to Americor prior to accepting the Credit 9 loan so the defaulted settlement was no fault of mine. According to my records, only 11 payments were made from the global holdings trust account to ******** the collection agency, totaling $903.54. This is less than the agreed upon amount of $1971.39 in the attached settlement agreement, which also states the settlement is void if the full agreed upon amount is not paid within 9 months of 06/28/2023, which has now passed. I want to know exactly how and when this account is being paid off and where the funds to settle the remainder of the balance will be coming from. The account still has a derogatory tradeline in my credit report. I feel like I am being jerked around and no one is taking responsibility for this or providing a specific resolution. I want this account settled and paid and removed from my credit report as originally agreed.

  

  Business response

  07/25/2024

  Dear ******************,
  Thank you for bringing this matter to our attention. A review of your accounts entered into the Americor Debt Resolution Program indicates two settlement offers, ********************* account ending in #**** and Republic Finance account ending in #**** were placed into a defaulted status.Both defaults were due to both creditors not accepting or clearing the settlement payments already provided to them. At the time of your credit9 loan document signing, ******** indicated the noted debts had reached settlements and therefore were in not included in the credit9 loan amount. Both settlements later defaulted due to the reason noted.

  
  Americor has escalated their effort to resolve these settlements and is anticipating a resolution shortly. Funds that have already been provided to settle these accounts will be used to complete the settlements. Any additional monies that *** be needed will be provided by Americor. There will be no additional funds due from you to settle the noted debts.Any remaining cost to settle the noted debts will be covered by Americor. With respect to credit reporting on the noted debts, neither Americor nor credit9 has control on how the creditors will report your settlements to the credit reporting agencies. Therefore, for any credit reporting concerns, you will need to contact each creditor to resolve them.

  
  We anticipate the noted debts will be resolved shortly and trust that our actions resolve your concerns. 

  Customer response

  07/25/2024

  
  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

  07/12/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I get non-stop calls from them, and they claim that I filled out an application with them WHICH I DID NOT DO. Does not matter how many times I have informed them to stop calling me they continue to harass me. I have blocked number after number and they manage to continue to call me from several numbers. One of the callers even cursed at me and said that I was a f***er for yelling but this what legit like the 8th call of the day that I have to repeat myself to stop calling me. I want them to:1. Stop contacting me from any and all methods.2. An apology for their unprofessional behavior and not respecting my request to stop contacting me and for that one representative to curse at me.

  

  Business response

  07/15/2024

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have adjusted our records and have placed the telephone number you provided on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications, please bring the matter to our attention and we will address it promptly. We appreciate your understanding in this matter.

  Customer response

  07/15/2024

  
  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. If the business contacts me again, I will update this report.
  
  Regards,
  
  ******** De *****
  
   
  

• Initial Complaint

  07/09/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Confirmed loan amount 10 day payoff and had my credit union send a check. A few days later Credit 9 took a payment of $397 and some change which was already calculated in the 10 day payoff amount they provided for us to give to our credit union. Now they won't reverse the auto pay to return our $397. They claim it was not part of the 10 day payoff which is clearly a lie.

  

  Business response

  07/10/2024

  *********************************,
  Thank you for bringing this matter to our attention.  Our review indicates when your payoff was scheduled the June payment was already in process, and the payoff amount reflected the June payment amount. We have processed the overpayment refund in the amount of $439.44 on July 8, 2024. We apologize for any inconvenience this matter has caused. 

• Initial Complaint

  07/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  signed up with Americor in September of ********************************************************************************************************** as a single mother of 4 I was desperate to find a way to better my situation, they told me I would be cleared of my debt in approximately 48 months **** I fell for it and stopped paying my cards and began paying the company $380.13 per month my credit dropped down to ***************************************************************************** the 700s after 11 months they said I qualified for their line of credit to get rid of all debts at once and finally enhance my credit back where it should be. Their partner company Credit9 then took over, they sent me details for my line of credit which was astronomical. The interest rate was as high as my credit cards and after a year of paying the loan amount itself was almost as high as original debt plus the interest rate put me in a worse position than I was to begin with and the loan terms are 5 more years. I initially refused to sign but ******** said I was no longer their client and I could no longer access my account with them, ********************** said that I did not have any other option and this was the best they could do, they said after 3 months all debts would be paid and my credit score would increase by atleast 100 points and into 700s I could then refinance the loan with a much better rate but that never happened. They mislead me every step of the way, they lied to convince me to sign their paperwork and took full advantage of my struggles and completely ruined my credit. My monthly payments $425.51 and only $9-$46 actually goes towards the principal each month. When I tried to get them to lower the payment and readjust the interest rate as promised they refused to do any of it.

  

  Business response

  07/10/2024

  Ms. ******************************
  We acknowledge your dissatisfaction with your experience involving your Americor and credit9 loan. Our investigation reveals that you were duly informed about the terms of your credit9 loan, including the discussion and agreement on the interest rate, and all disclosures were provided and accepted by you.
  
  Additionally, subsequent to the loan origination, you were informed about the option of a loan modification by a credit9 customer service agent, although no further action was taken on this matter. We regret any difficulties you may have encountered. However, our findings indicate that both your Americor Debt Settlement program and the credit9 loan origination process were conducted appropriately, without any undue pressure.
  
  It is noted that you have ceased making payments on your credit9 loan,resulting in it being in a charge off status. Should you wish to resolve the outstanding balance, please reach out to the credit9 customer service team.

• Initial Complaint

  07/02/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  This company does not stop calling, claiming that they have an application from me, which I have stated to them on multiple occasions that I did not fill out. They continue to call me non stop,regardless of how many times I tell them to not call me. The calls are borderline harassment, today alone they left 3 voicemails and I have 5 missed calls from them.

  

  Business response

  07/02/2024

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have adjusted our records and have placed the telephone number you provided on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications, please bring the matter to our attention and we will address it promptly. We appreciate your understanding in this matter.

• Initial Complaint

  06/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Americor/ Credit 9 are worked to scam more money out of me. I had less that 1000 dollars left on a plan that was seemingly working thru Americor. Then Credit 9 pressured me into taking their loan, saying I had to in order to be ome lendable again. Theysaid that my payments would come out on payday just like Americor. That was all lies. They have repeatedly overdrawn my accounts on days I don't get paid and then say that they can't help me because my account is behind. Then they keep charging me interest making my loan go higher and higher no matter how much I pay. I should have just paid the ****************************************************************** After all the fees I already paid, I am done paying these people.

  

  Business response

  07/08/2024

  **************,
  We regret you are dissatisfied with the service you received from credit9. Our review of your account indicates at the time of review and completion of the credit9 loan option there were three debts in the amount of $7,593.28 remaining to be settled from the proceeds of the credit9 loan. It is our understanding you wanted and confirmed to include a debt from *******, in the estimated amount of $4,415.00, to avoid further court action. The itemization of all amounts to be paid and included in your credit9 loan are detailed within Schedule A of your loan documents. Our review did not indicate any undue pressure was made during your loan origination. With respect to the claim of repeatedly overdraft your account, we indicate your account was setup on a recurring ACH (automatic withdrawal)bi-weekly payment schedule. A review of all payments indicates they were drafted correctly; however, payments scheduled for 5/7/24, 6/18/24, and 7/2/24 were returned due to insufficient funds. Please understand that any missed payments will create a situation where the accrued interest will accumulate during any period of missed payments and will be due on your next made payment,therefore, creating a situation where more of your payments goes towards the payment of interest.   We will make an accommodation to assist you with your payment schedule, please contact our customer service team if you want to make a due date change. 

• Initial Complaint

  06/27/2024

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  This company continues to call me several times a day for months now and I cannot seem to get them to stop- they use multiple numbers. I have not signed up for their services and I don't intend to. I would like to be added to their do not call list.

  

  Business response

  06/27/2024

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have adjusted our records and have placed the telephone number you provided on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications, please bring the matter to our attention and we will address it promptly. We appreciate your understanding in this matter.

  Customer response

  06/27/2024

  
  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

  06/21/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  They will not stop calling me. I told them last week to stop calling and the take me off their list. I also said I will report them next time but they will still call me three times a day since. I only want them to stop calling. And to take me off their calling list. I block them but they call from different numbers each time.

  

  Business response

  06/24/2024

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have adjusted our records and have placed the telephone number you provided on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications, please bring the matter to our attention and we will address it promptly. We appreciate your understanding in this matter.

• Initial Complaint

  06/14/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company calls me several times a day. Even when I have told them numerous times I am not interested and to remove me from their calling list, they will round about go back to their original of "You filled out an application for more information and we are calling you about it". For the record, I have never once applied for any sort of loan application. I just spent the last *********************************************************************** but they refuse! You can't block their number, as they are calling on numerous ones. This is borderline harassment and they will not stop.

  

  Business response

  06/17/2024

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have adjusted our records and have placed the telephone number you provided on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications, please bring the matter to our attention and we will address it promptly. We appreciate your understanding in this matter.

*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. ↩