Complaints

This profile includes complaints for Wisetack, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Wisetack, Inc.

  460 Brannan St Unit 78384 San Francisco, CA 94107-7616

  
• 

  Wisetack, Inc.

  9450 SW Gemini Dr PMB 31984 Beaverton, OR 97008-7105

  

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:03/25/2025

  Type:Order 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 not accountable for the debt associated with WISETACK. There is no contract between me and WISETACK, and they have not provided the original agreement as requested.

  

  Business Response

  Date: 03/27/2025

  Hello. We would love to take a closer look at what is happening. Were unable to find an account with the information provided. Please reach out to our support team at ************************************************************ or ************ so we can help!

• Initial Complaint

  Date:03/10/2025

  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.

  Wisetack is partnered with Ergeon, a fence installer here in *********, **. Ergeon bait and switched their product by using a 3rd party installer that was not outlined in the contract. The salesman for Ergeon, sold Wisetack to me as a credit-check free payment option. I had the cash on hand to pay in full but figured why not pay over time if it wasnt going to be reported to any credit bureaus? Unbeknownst to me, Wisetack reported the product amount + the high interest charges. They have not responded to any of my complaints. I had even reached out to the salesman when i first found out about the 3rd party, but never got a call/email back.

  

  Business Response

  Date: 03/17/2025

  Hello. We hope your call to our support team last week resolved the issue. If not, please reach out to our support team at ************************************************************ or ************ so we can help. While checking eligibility does not impact your credit, Wisetack does report to credit bureaus, and repayment may affect your credit score, as detailed on our FAQ page under Will taking out a loan impact my credit score?

• Initial Complaint

  Date:02/06/2025

  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.

  Early February of 2025 I began to rehab my property (listed in this complaint) we needed extensive plumbing work and it just so happens my Brother in law is a licensed plumber so naturally I would use him to do the work. This is pretty typical in the trades it makes ZERO sense to use the competition to do work you need done when a licensed, insured, company is operated by a family member. So I get the estimate for the work to be done and it is more than I have on hand. No problem... the company offers financing. So I go through the process and get approved. The work gets done and comes to time to pay, everything went well and all was approved by Wisetack to pay the bill. A few hours later my brother in law let's me know that wisetack changed their mind because we are related. What! You are telling me I can't pay them for the work because I am related to the owner of the company! This is ridiculous. My brother in law reached out to them and their response was, "Tough Luck!" I am so heartbroken this happened to my Brother in law's company and me, and now I don't know what to do! They should have made me aware of this stupid policy in the PREQUALIFICATION not AFTER the work is done. I am seriously considering a lawsuit for damages and that they pay for the work done. In the meantime I would be satisfied if they simply fulfill their obligation and not discriminate against people based on their bloodlines.

  

  Business Response

  Date: 02/07/2025

  Thank you for reaching out with this concern and allowing us time to look into it. The merchants that we have on our platform must follow Wisetacks Terms of Service and User Agreement, which state that owners, employees, and their family members are not permitted to apply for financing through Wisetack. If we can answer any other questions for you, please do not hesitate to contact our support line.

  Customer Answer

  Date: 02/07/2025

   
  Complaint: 22910124
  
  I am rejecting this response because:

  1. You hit my credit and impacted my score.

  2. You didn't inform ME during the initial approval this would be an issue. 

  3. Your policy is ridiculous since it excludes B2B situations which THIS is. 

  4. You are literally discriminating against people based on their bloodlines and in this case who they marry.

  5. I am STILL responsible for the bill for work performed. 

  Your response is in no way solving the problem at hand. 
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:11/18/2024

  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 fell into ***** in may/June 2024 time period, i was dead on life support, by ***** of god came bck to life, and was in recovery when i was able to speak i started to call my creditors inform them i was in hospital and i needed time to regain strength before i could send payments. They agreed. WISETACK employee promised that i would not need to worry about this and to take care of my health that he would remove all the negative remarks and allow me 4 months to make payment bringing my next payment to November 2024. this never happened my credit report is ruined and i am demanding this be resolved and ALL NEGATIVES removed from my credit reports on ALL THREE BUREAUS immediately, they are rude they do not speak English and then they hang up on you if you show any emotion this company needs to be banned from doing business in ******* i think ***** should remove them from our American money the trade commission should get involved immediately but for now FIX MY CREDIT REPORT or my next call will be to new stations and attorneys and of coarse law enforcement also i want all late fees removed and any other fees accrued as i will not tolerate sham scams from this business i had a tragedy happen to ********* companies response is to lie, cheat and steal? ruin my credit when i need to survive this disease and you think making our life harder is the best response? what kind of idiodicy are you practiciing as a company. every one is complaining i demand results now

  

  Business Response

  Date: 11/19/2024

  Thanks for your inquiry, if you would like to dispute the accuracy of credit reporting you can do so by contacting the credit bureaus and logging a dispute.

  Customer Answer

  Date: 11/19/2024

   
  Complaint: 22574984
  
  I am rejecting this response because:
  THIS IS A COMPLETE ERROR ON YOUR COMPANIES PART I HAD NO PAYMENTS DUE YOUR SUPERVISOR ******* OR ******* CHECKED THE RECORDING I DO NOT NEED TO DISPUTE A DARN THING YOU NEED TO DO YOUR JOB OR I WILL CALL NEWS STATIONS YOU HAVE HUNDREDS OF COMPLAINTS I WILL CONTACT YOUR CEO AS WELL AND UNDERSTAND THAT I AM A HANDICAP WOMAON BY YOU REPORTING A LIE YOU HAVE MADE HARDSHIPS IN MY LIFE THRU MY FINANCES DO NOT TEL LME TO DO YOUR JOB YOU FIX IT THE ************* TOLD ME TO CONTACT YOU DIRECTLY I AM HERE DOING WHAT YOU DID IS ILLEGAL I DEMAND YOU REMOVE IT AND FIX YOUR ERROR NOW.. DO YOUR JOB SIR 
  Sincerely,
  
  ******* ****

  

  Business Response

  Date: 11/20/2024

  Thanks for allowing us time to look into your inquiry. We understand your concern and frustration regarding the negative remarks on your credit report, please allow up to 60 days for credit bureaus to reflect our changes. We have removed any negative credit reporting for the period of the granted deferment. However, any late payments outside this deferment are still considered late. If you think this is incorrect, please reach out to your credit bureau directly.

• Initial Complaint

  Date:07/23/2024

  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.

  Our customer used ********************** to pay for our services. Wisetack is keeping our money instead of giving it to us and we have emailed at least 20 times and called and they said they have no one for us to talk to to resolve and it can only be done by email but no one responds to us. We need our revenue

  

  Business Response

  Date: 07/24/2024

  Thank you for bringing your concern to our attention. It looks like our team was able to resolve your issue. Please feel free to call us at ************** or email us at support @wisetack.com if you have any additional questions or concerns.

• Initial Complaint

  Date:07/05/2024

  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.

  A payment was made in error on 7/4/2024 for $200.00 and they refuse to cancel until it clears my bank which will cause me to go into the negative. There process is flawed and not user friendly on their Website. There is no clear procedure to cancel incorrect data input. Please investigate this flawed system.

  

  Business Response

  Date: 07/08/2024

  Hello. We would love to take a closer look at what is happening. Please reach out to our payments team at **************************************** or ************ so we can help.

• Initial Complaint

  Date:05/22/2024

  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.

  On 4/30/24, Ecoshield provided contract additional services to clean out my crawlspace and install a dehumidifier. They provided a vendor, Wisetack to provide financing of $4265 at 0% financing for 24 months. I received a link to finalize the deal for financing and we had the offer for 24 months at 0%, but the link wasn't working and when I went back into it, the 24month deal at 0% was now *****%. I called Ecoshield and they informed me to call Wisetack and after many calls to each company neither could resolve the issue with getting the 0% financing deal. I feel like this was a bait and switch scenario. I want to pay for the work, but have not since I am waiting for someone to fix this. I have also opened a complaint for Ecoshield. Neither of these companies are taking the responsibility to resolve the issue and provide the deal that was agreed upon which was 24months at 0% interest.

  

  Business Response

  Date: 05/24/2024

  Dear **************,

  
  Thank you for allowing us the time to look into your inquiry. We appreciate your patience and the opportunity to clarify the situation.

  
  Please note that our offers are subject to credit approval. While our records indicate that when you initially checked the available offers on 4/24/24, you qualified for a 0% interest rate for 24 months, you did not lock this offer in. When you returned on 5/3/24, our system performed a new check of your eligibility based on your updated credit profile at that time. Unfortunately, this 9-day difference showed a change in your credit profile, which affected the offers available to you. 
  

  We apologize for the inconvenience the different offers may have caused. Credit profiles can change due to various factors, and these changes can impact the terms of the offers available.

  
  Thank you for your understanding and we value your business.
  
  Thank you,
  The Wisetack team
  

  
  

  Customer Answer

  Date: 05/28/2024

   
  Complaint: 21745007
  
  I am rejecting this response because:  There was an issue to finalize the offer and it was not resolved.  I could not finish the setup with the zero percent offer.  Then days later it was no longer available.  Interesting though your high offer *****% is available to me for at least a month or more.  I can't remember when it actually expires, but it wasn't several days like your 0% offer.  I still think that you are using fraudulent practice to sucker people in.  
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:05/20/2024

  Type:Sales and Advertising 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.

  We are a small business, we partnered with wise stack as our financing partner and recently we had 15 customers approved for financing, we began the work and wise stack has deactivated our accout without reason and cancelled all applications leaving us holding the bag on 40K worth in materials and 30K in labor

  

  Business Response

  Date: 05/24/2024

  Thank you for reaching out to our team regarding your account. Our team is in active communication with you to alleviate any pain points to the best of our ability. Appreciate your feedback and collaboration. 
  
  Thank you,
  The Wisetack team
  

• Initial Complaint

  Date:03/27/2024

  Type:Customer Service 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 business "Wisetack" (specifically ******) has tried contacting me several times by phone and email indicating that I am due a refund and requesting that I need to add a bank account on file.I have not done business with this company in several years.As with all of the scamming going on, I feel this issue needs to be reported.

  

  Business Response

  Date: 03/29/2024

  Dear *****************,
  

  We have made multiple attempts to reach you solely regarding how we can get a refund processed for you for the overage paid to your account. We understand this loan has been closed since 01/23/2023, however, our efforts are made in good faith to return your money back to you!
  

  Regrettably, we are unable to process a refund via check, and since a bank account wasnt linked when your account was open, we arent able to automatically process your refund. Should you feel comfortable, please add your bank account by logging into your online portal ********************************************** and we can process this refund for you immediately.
  
  Thank you,
  The Wisetack team
  

  
  

  Customer Answer

  Date: 04/02/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution appears to be legitimate. I will add information as needed online.  I apologize for this investigation, however these days, we can never be to safe.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:01/28/2024

  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.

  Worst **mpany ever! They deactivated my ac**unt because of some of my clients WHICH WERE APPROVED BY WISETACK didn't pay their bills on time. I was cut off without any notice. I then had to scramble to find another finance **mpany and also delete all ** branding wisetack information from my website. BEWARE! I have several **mpanies that I've used them for, sent an overwhelming amount of business to them and they simply don't care about business relationships.

  

  Business Response

  Date: 01/31/2024

  Dear **********************,

  We understand how frustrating this experience has been for you and your customers. 

  Under our merchant agreement, we reserve the right to disable merchant accounts. We do not take these decisions lightly, and our internal teams only take this step on behalf of our lending partners when the performance of financing associated with an account is significantly worse than most others in the same industry. We work hard to be flexible with our customers, and made adjustments to our own underwriting in an effort to see improvements long before making this decision.

  Unfortunately, we're unable to reverse the decision at this point. As a reminder, all financing applications your customers have already started are still active, and will remain open until they are completed, canceled by the customer, or reach the ****** expiration timeframe.
  
  Thank you,
  The Wisetack team