Complaints

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

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  National Credit Care

  1499 W 121st Ave Ste 300 Denver, CO 80234-3437

• 

  National Credit Care

  PO Box 350610 Westminster, CO 80035-0610

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:07/26/2023

  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 started using National credit in September of 2023 to repair my credit. they started off great but after 3 months i had no more progress. I called very month to ask why no progress has been made in months and they told me they filed the disputes and are waiting on the credit **** to respond. I tried to cancel with them, but I let them talk me back into using them. After another 30 days still no progress so I cancelled! I and disputed the charges with the bank because I was paying $89 for my Husband and $89 for myself which brings the monthly total to$178 a month! well, the new I cancelled and the very next month they took $89.00 from me knowing full well I had cancelled with them. I called them and they told me they billed a month in advance which was not true because i asked them that before I even stared with them. I am asking for 6 months of payments be returned to me because they did no work. they kept saying the credit ***** were no responding! They assured me they we nothing like Lexington law and I'm very disappointed in them.

  Business Response

  Date: 07/27/2023

  Upon receiving the clients complaint, one of our managers reached out and was able to connect with the client and resolve the issue. We appreciate the client giving us the opportunity to address her concerns and to make the situation right. 

• Initial Complaint

  Date:02/08/2023

  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.

  Signed up for services on September 27, 2022. Paid the monthly fee of $99 that same day. If initial work was performed, it was after September 27, when I made the first payment. Not before September 27. They claim that payments are made in arrears. The company has withdrawn monies from our CC on the 27th of each month and we have not missed any payments. This is not in arrears. I have tried to cancel numerous times with emails since December and have not been successful. I believe they finally cancelled today. I still dont know. They mentioned that to cancel, they need to go through some disclosures. There DISCLOSURES is another word for more sales talk and to try and keep you on their program. There are no disclosures. I tried to cancel from the client portal and had to go through a few steps to get to the menu section. Since I answered a few things on the portal, I am afraid that *** have triggered a DO NOT CANCEL warning. I do not know how much work was done on our behalf. The only time I received a call was after I sent an email on Dec. 10th asking them to cancel our accounts. It is now Feb. ********* still do not know if it has been canceled. I spoke with **** today and after about 30 minutes, or so, of going back and forth about how much work they have done and my insisting they cancel, he finally said he would cancel. I just dont think that is the case. He also said that they would have to withdraw funds one more time, on February 27th, because they bill in arrears!! I want my account, and my husbands account, cancelled. I dont want anymore monies withdrawn from our account. One of the worst companies I have dealt with.

  Business Response

  Date: 02/10/2023

  As an organization, we strive to commit to our clients both great results and a great experience. In this case, we've been able to discuss a resolution to the client and they have been emailed confirmation. This has been handled and we wish them the best moving forward.

• Initial Complaint

  Date:01/20/2023

  Type:Product 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.

  When I was a homeless Vet I requested from the company to end service..They refused ignoring my wishes offered a lower rate...At this time I requested any information on the work they have done as I saw no improvement no action witch they did not provide me...well they took more money out leaving me and my kids with no gas or food..The company does not care on the lives they ruin.All I want is my money back for their lack of evidence they did anything..People need to also avoid this company of scammers.

  Business Response

  Date: 01/27/2023

  I am so sorry to hear about your experience regarding this matter. I can assure you that we want to address this directly and help you with your request. We've made a few attempts to reach out (possibly at a bad time) so please let us know when we can reach out and help. Thank you!

• Initial Complaint

  Date:01/03/2023

  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 recently had the misfortune of dealing with National Credit Care, and it has been an absolute nightmare. From the very beginning, I felt like I was being scammed. The sales pitch was manipulative and dishonest, and I quickly realized that I had made a mistake signing up for their services.I tried to cancel my contract multiple times, but each time I was met with resistance and excuses. The customer service representatives were rude and unhelpful, and they seemed to be more interested in keeping my monthly payment coming in than in helping me out.The services that National Credit Care promised were never delivered, and I was left feeling frustrated and taken advantage of. It was clear that this was a scam company, and I was determined to get my money back.I am writing to file a complaint against National Credit Care (NCC) for their fraudulent and deceptive business practices. I was contacted by NCC in January 2021 and was promised that they could help me improve my credit score and get approved for a mortgage loan. I was initially hesitant, but the representative assured me that they had a high success rate and that I would see results within 90 days. However, after paying a large upfront fee $1200 and regularly making monthly payments for eleven months, I have not seen any improvement in my credit score. When I contacted NCC to inquire about the lack of progress, I was told that it takes time and that I needed to be patient. Despite my concerns and requests for a refund, NCC has refused to give me my money back and has continued to charge me monthly fees.It has become clear to me that NCC is a scam and that they have no intention of helping their clients improve their credit scores. Their promises were empty and their services were ineffective. I am requesting that the Better Business Bureau take action against NCC and hold them accountable for their fraudulent practices.

  Business Response

  Date: 01/12/2023

  *******,

   

  We are so sorry to hear about your experience. I reached out and left a voicemail to make sure this is rectified. Thank you.

   

  National Credit Care

• Initial Complaint

  Date:11/25/2022

  Type:Delivery 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 contracted with this company to increase our credit scores. They made false promises, never sent a statement of what was removed from our reports, argued with me when I would ask specific questions, wanted me to pay extra to review my credit if it was not "time" for my review. The changes that occurred which increased my scores were done by me. I paid some amounts down, added a small amount of additional credit, and used Experian to regularly monitor my credit which helped immensely. I don't even know what they did! I see no chsnges brought on by them. I regret this so much. I have attempted to cancel for the last few months but just get vague emails and voice mails from a member of the company. My card was lost last month so I received a call from them regarding going over my account because they could not charge the old card. This is the only reason that they contacted me. I want my refund and to cancel the accounts because the service was terrible and not effective.

  Business Response

  Date: 11/28/2022

  As an organization, we strive for excellence and success in each and every client file. I was able to connect with the client via email and provide a full program summary on the account. We hope to connect further if anything is needed. The files are closed in good standing. 

• Initial Complaint

  Date:10/25/2022

  Type:Product 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.

  I contracted this company for services. They failed to provide a clear written report of services rendered for the 3 months I paid them $89 per month. I cancelled the service in August, after 3 months due to dissatisfaction and their refusal to provide a written report/detail of what was completed.

  Business Response

  Date: 11/03/2022

  As an organization, we strive to provide the best client experience we can. In this case, we were able to speak with the client and find a resolution that is to the clients liking. Both the consumer and the organization are satisfied with the outcome of this conversation.

  Customer Answer

  Date: 11/03/2022

   
  Complaint: 18309917
  
  I am rejecting this response because: I do not see the terms we agreed to outline which are to credit my account for the last month billed and to follow up with me on 11/20/22 to determine if I would be re-instating these services.
  
  Sincerely,
  
  *******************

  Business Response

  Date: 11/10/2022

  Unfortunately ******* is out of the office sick today but I did confirm with him verbally that the email requested by the client has been sent so we should be ok now.  Hopefully this resolves the complaint and provides the resolution needed.

  Customer Answer

  Date: 11/17/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********. ******* resolved this issue with the highest level of customer service! I am very pleased with the outcome.

   

  Thank you.
  
  *******************

• Initial Complaint

  Date:08/24/2022

  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.

  This vendor is charging me higher than any other consumer. All the comments on bbb people are saying they are being charged 79 and I'm being charged 99 I tried to cancel several times with no luck...I need help!

  Business Response

  Date: 08/26/2022

  We had already spoken with the client to close their file before we received the complaint he filed on August 24th. Upon receiving their complaint we reached out again to make sure they were satisfied. The client did express concerns about his billing and we reassured him that he was paying the correct price for the program he was enrolled in.The clients initial agreement was available to them in their client portal but we resent a copy just to make sure he had it. We also apologized that we were unable to reach him after he requested to cancel via email on August 10th.We called the client on August 11th and then 5 more times before he filed his complaint. We tried calling at different times during the day to try and catch him at a better time but we understand the clients frustration,especially if we were calling at an inopportune time. The clients file is closed as he requested and he will see no further charges from our company. 

• Initial Complaint

  Date:08/03/2022

  Type:Service or Repair 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.

  I have tried countless times to cancel this monthly service that records will show was never used. There has been zero responses from this company. My bank account has been charged $79 month after month and again, records can show I never logged in or used it. I NEED THIS ACCOUNT CANCELLED and a refund at least for the last 2 months.

  Business Response

  Date: 08/04/2022

  As soon as we heard there were missed communications with the client, we reached right away and resolved the issue. Our office is closed over the weekend and the client's request to cancel came in on Saturday July 30th. Unfortunately, we did not reach out to the client as quickly as we'd like. We understand how frustrating it was for the client that she did not get a response within 72 hours. One of our managers was able to speak with the client and we greatly appreciate their perspective. The client shared how she feels the problem was created and thankfully she is willing to work with us as we strive to create a better experience.

  Customer Answer

  Date: 08/05/2022

   
  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.
  
  Sincerely,
  
  *******************************