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:10/27/2023

  Type:Order 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.

  Submitted an *********** **** application on Aug 26, 2022 at 10:12 AM EDT, email from Capitol stated loan was under review for pre-approval for 5-7 days. The email from Capitol stated, "By submitting your application, you have agreed not to begin any work until you are in receipt of a loan commitment." this was an after the fact statement that I did not agree to. It's been 427 days with no contact of any kind from Capitol. The company online portal does not display this application.

• Initial Complaint

  Date:10/24/2023

  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.

  On 10/10/23 I applied for a heating loan via Capital for Change. On 10/12/23 I received a denial notice due to late payments to **********. To date, I have called and spoken with several agents at Capital for Change as well as providing a document from ********** stating that I was on a payment arrangement and my account is in good standing. I have explained through multiple phone calls and emails that the payment arrangement due dates supercede the statement due dates and therefore my payments made per the payment arrangement were not actually late. On 10/16/23 I provided Capital for Change with the direct line to the ********** supervisor that issued the letter I previously sent. To date, that supervisor has not been contacted. On 10/20/23 I provided Capital for Change with the email address that they could request additional information about my ********** payment plan and to date, Capital for Change has not sent any request for additional information. Meanwhile, my application for a heating loan to replace a non operational furnace remains denied until Capital for Change can get additional information on a payment plan that I made and completed with **********. Yet Capital for Change has seemingly made no effort to get this additional information even when I've provided contact points and methods for doing so.

• Initial Complaint

  Date:05/26/2022

  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.

  Capital for Change has been fraudulently reporting to the credit bureaus since 2018 that I am financially responsible for a property which I do not own. Today, 5/26/2022, after many years of calling and emailing this company I was informed that two people had purposely gone above and beyond to defraud ********** and make sure this property remained in my name. After speaking with Annette S******, a company representative 5/26/2022 at 10:50 AM she confirmed that their company had received the Quit Claim Deed in 2018 relinquishing any and all ownership of said property in my name. She also verified that Janellie G*******, a supervisor and Gary C***** a director of Capital For Change decided that I should still be financially responsible for a property that I did not own and would continue reporting to ********** despite knowing I was no longer the owner.

  Business Response

  Date: 05/26/2022

  Capital For Change, Inc. (C4C) has been reporting this loan accurately, and there has been no fraudulent activity on our part during the time this loan has been under servicing with us. I have attached a copy of the original Note and Mortgage, which clearly reflects that *** ******* is jointly legally responsible for this loan. I have also attached a copy of an email that I sent to Ms. ******* in December 2018, in which I spelled out the details of why her name cannot be removed from the loan, as well as how the quit claim deed simply transfers ownership of the property and doesn't eliminate her obligation towards the debt. Unless or until this loan has been paid in full, C4C will continue to report monthly loan status and data to **********, and Ms. ******* name will continue to remain in that submission.