ComplaintsforOneBlinc

• Initial Complaint

  09/12/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I have been using the app advance since May 2024 now all of a sudden it can not see my deposits nothing has changed I get paid from the same employer as I have since I became employed in 2008. When I call the system hangs up, I have emailed several times nothing. This is ridiculous that no one will help you

  

  Business response

  09/16/2024

  Hi ******,

  Thank you for bringing this to our attention. Our team reviewed your case on Friday and did in fact find an issue with your new advance request. They promptly got to work on fixing this and will continue to monitor the problem so they can identify any future cases. 

  
  As of Friday afternoon you were able to complete the new advance request and the system approved it just as it had done for the past few months. 

  
  Please let us know if this problem occurs again. 
  
  All the best,

  Customer response

  09/16/2024

   
  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,
  
  ***********************

• Initial Complaint

  07/30/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Ive been watching the amount I still owe the company and it keeps going up even after a payment has gone through so Im trying to see is that the reason why I cant refinance cause the amount still owed keeps going up when it shouldnt be it makes me feel like some underhanded stuff is going on, and Ive been needed to refinance due to a death in my family and now being it with a hurricane *****, I just need answers and every time I call in none of those customer service agents are giving me the answers I need.

  

  Business response

  07/30/2024

  Hi *****, 

  I believe there are two different concerns you have with this communication, one is the balance on your current loan and, the second is your inquiry about refinancing your loan. 

  Lets begin by addressing the first concern, your loan balance. At the writing of this reply your loan balance is $1,923.50. This is originally a $3,000 loan that you have as of today (7/30/2024) you have paid down $1,076.50. I am not sure where your confusion lies because your loan has consistently been decreasing with each bi-weekly payment you have made since December 2023. Please make sure you are taking into account that a portion of your bi-weekly payments is put towards interest and not the full amount of the payment goes to principal. This works just like all other loans in which a portion of every payment goes to cover the interest and the remaining amount goes towards the principal balance. 

  Secondly, regarding your refinance eligibility. This is a matter that continues to confuse a number of our customers so, its understandable that you have some reservations about it as well. In the past we know that our customers have been accustomed to refinancing after a set number of of time payments and now this is no longer the case. Unfortunately for the foreseeable future we will continue to be very limited with the refinance product as you knew it. We are working on providing our customer with additional financial resources that can provide some short-term breathing room.  Over the next few weeks be on the look out for more communication about these resources that we believe can add value for our customers. Given the current limitations on loan refinancing, we recommend that customers consider their finances strategically. We know this is not what you wanted to hear, but we will continue to do our best to help you navigate this adjustment period.

  Thank you *****.

   

  Customer response

  07/30/2024

   
  Complaint: 22064553
  
  I am rejecting this response because:
  When I made the last payment the system showed me that I owed ******** and that was on July ************************************* its ******** or whatever so it has been going up slowly like I said dont try and call me a liar.
  Sincerely,
  
  *********************

  

  Business response

  07/31/2024

  Hi *****,

  No one is calling you a liar and nowhere in our response did it even instigate that intent.
  We are simply giving you facts from your account. We simply gave you the remaining balance on your account and provided you the amount you have paid down on your original balance. That was it.

  Regarding to what you see as far as the balance increasing from the date you make the payment to the date the next payment comes in, that is because interest is accrued daily and that small amount of daily interest is reflected on your balance. There is no misleading tactic at work here it is just how interest works. This would be the same if you were paying a home mortgage or even if you had money in a high yield savings account. Your interest would be accumulated daily until the one day everything month you are expected to make the payment and or are set to receive the payment. 

  ***** we do not want to make you feel uncomfortable with any part of the loan process or that you are being lied to. We urge you to take your concern to your own bank associate and ask them. They can surely provide you the same answer when it comes to how interest in accrued daily up until the day your payment is made. 

  We hope this response helped put your mind at ease and we look forward to continuing to provide you with respect and clarity. 

  All the best,

• Initial Complaint

  06/21/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  In May I provided OneBlinc with an email revoking my ACH authorization as well as advising them not to utilize my debit card to process any withdrawals from my checking account. I'm going through a very nasty divorce and needed to pay excessive retainer fees to protect my military pension from my wife who chose to have an affair, leave me and expect to take my pension. On 6/21 OneBlinc used my debit card to process a withdrawal of $250.00 (stole) money from my checking account.

  

  Business response

  06/26/2024

  Hi ****************, 

  Thank you for bringing this error to our attention. We have since refunded your payment and set your account back to revoke status. 

  Regarding the forgiveness of your debt, we will not be forgiving your past due payment. You will remain with a past due amount of $250 for the Blinc Advance product that was used on March 19th, 2024. 

  Once more, thank you for bringing this to our attention. 

  Best,

• Initial Complaint

  05/24/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have an unauthorized charge on my bank account for twenty dollars. I called to gather information and the csr avoided my questions and placed me on hold for 15 minutes stating he was gathering information. He would not tell me if it was a loan, subscription or anything. I requested a superior and again was placed on hold only to be told the superior was busy. To top it all off, this company says I applied in January of 2024. Fast forward to today. Now you charge me in May for this services I supposedly signed up for back in January? I canceled my card which is going to be a very inconvenient situation for me.

  

  Business response

  05/28/2024

  Hi ****************,

  I just want to clear a couple things up before I provide you with the solution you requested. 
  The charge for your subscription was in fact authorized and you had ample time to cancel the subscription on your mobile app. The reason a supervisor was not able to address your concern is because our process allows customers to cancel subscriptions themselves in order to avoid any additional charges to their account. We make this process very simple and straight forward in order to free our management time to address more pressing concerns. 

  About the solution, we WILL be refunding you the $20 for the subscription charge. In order to do this we will need additional information from you. We tried to refund the payment to the same card but we received an error. Now we will need either another bank debit card to send the funds to or bank account information so we can send an ACH to you for the full amount. Please let us know which way you prefer to receive the funds via email at *************************************************************. 
  
  We hope you have a great rest of your day **** and we are happy we could work together to reach this resolution.

  Best,

• Initial Complaint

  05/03/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Please acknowledge receipt of Revocation of ACH and debits form submitted multiple methods thank you.

  

  Business response

  05/03/2024

  Hi ****, 
  After reviewing your account I see that you received a salary advance from us yesterday (5/2/2024) and submitted a revoke today (5/3/2024). The request to revoke the *** was submitted today at 5:04PM EST. This process is not instant and will take a few days to process. Please rest assured the process will be completed before your due date of 5/20/2024.

  
  Also be aware you will not be able to take another advance with Oneblinc. Thank you

• Initial Complaint

  05/01/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I've inquired about a refinance. The only amount left on the loan is $126.80. This balance by the way keeps raising as well. I've been a loyal on time paying customer. No issues. I have an emergency that came up and they won't work with me on a refinance. The loan prior was up to $2500 and they made me reapply and they gave me smaller amount instead for $1000.00. Wouldn't refinance the above loan either. That is why I had to reapply. Now I'm stuck and can't even get a refinance on a loan that is just about paid off. **************** is horrible and you can't speak to anyone on the phone. The $2500 loan was just about paid off as well.

  

  Business response

  05/02/2024

  Hi ******, 

  As we have explained to you in the past, there have been changes to the refinance eligibility process. Nonetheless, we listen to all our customer opinions and review specific cases manually when needed. 

  We can extend to you the refinance option at the same loan level you are currently at of $1000. This would give you an estimated cash out of $870. Please let us know if you would like to continue with this exception. 

  Thank you for contacting us. 

• Initial Complaint

  02/16/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Hi, I am a long time customer with ********************. Up until this year, everything was great. Like clockwork, I would be able to refinance my loan every 8 payments. Now, without any explanation at all, I have made 12 payments and am still unable to refinance. I inquired as to why this was and the representative said that they made a change in August 2023 to their refinance policy. The customers were not informed of this change. Furthermore, when I probed about what the new eligibility criteria is, the representative couldnt give me a solid answer. He said its reviewed by management. I have never once missed a payment and have even made an extra payment here and there. I make a good salary as well. There would be no reason to not allow my refinance. After probing some more, the representative told me that the company needed to do this to be able to stay in business. If your business model is to not allow anyone to refinance after always allowing them to do so, I dont think youll be keeping many customers anyway. I repeatedly asked the representative to please send my case to a manager for review so I can refinance as I have an emergency that I need additional funds for and he refused. I believe this to be a bait and switch on all of the customers here at One Blinc.

  

  Business response

  02/16/2024

  Hi Dia, 

  Thanks for reaching out. The reason that we are not able to disclose future refinance dates is because the refinance option is not  based solely on a set number of payments. We also take into account various financial factors, resulting in your eligibility being checked on an ongoing basis until all criteria is met. We do not currently have a way of predicting when all the criteria will be met at once per individual. Once your account meets all the criteria required to refinance you will receive communication and your refinance button will become active in your OneBlinc dashboard. 

  These changes were pivotal as we prepare to extend our reach into different markets and financial products. Yet, none of these changes came without a lot of deliberation and planning. We knew these changes could create some friction for a number of customers and still they had to happen if we are to continue helping people and growing our business. 

  We appreciate your understanding and professionalism.

  All the best, 

  The Blinc Team

  Customer response

  02/20/2024

   
  Complaint: 21302580
  
  I am rejecting this response because: I have been on many forums and you guys simply arent extending the refinance option to anyone. I have had PERFECT payment history. Also, my income has gone up and not down. You also refuse to disclose what factors are being considered. I was specifically told by a representative that management makes the decision to allow a refinance but then no one would allow me to speak with a manger. I asked for my case to be reviewed and had no response. I have an emergency situation and need the extra funds and a company whom I have been loyal to, refuses to even try to assist. 
  
  Sincerely,
  
  Dia Cipicchio

  

  Business response

  02/20/2024

  No single individual reviews each account to assess whether a customer qualifies for loan refinancing. The process is entirely automated and occurs without human intervention. I apologize if there was any miscommunication from our agent. Even when discussing the matter with a manager, we cannot override the decision for specific individuals. We value your loyalty throughout your time with us and recognize the frustration this change has caused some customers. It's a rule that all of us here at Blinc must adhere to. 

  Best,

  Customer response

  02/20/2024

   
  Complaint: 21302580
  
  I am rejecting this response because: You changed business practices without informing your customers of the change. The issue is most customers who have this sort of loan rely on the ability to refinance it. This was changed without providing any of your customers notice. In addition, I know very well that the management DOES hss as ve the ability to override as they have made my refinance button active before when an allotment payment was misidentified by the system. These practices are unfair and to be honest, deceptive. All I want is to be able to refinance my loan. Can someone please just assist in the matter? Im more than frustrated by this point. 
  
  Sincerely,
  
  Dia Cipicchio

  

  Business response

  02/21/2024

  Our updated policies aim to streamline processes and enhance efficiency. While you can't refinance now, we assure you of professional and attentive service. You'll receive a notification when your account qualifies for refinancing. We appreciate your understanding as we adapt to a new and improved procedure.

  Thank you,

• Initial Complaint

  01/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have identified certain transactions on my consumer report to be a result of identity theft. I confirm that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be removed, blocked, and deleted within 4 business days from the receipt of this letter. Account Name: ********************** LLC Account Number: 105***Sincerely,*******************************

  

  Business response

  01/12/2024

  Hi ***********************,

  We do not believe this account to be a case of identity fraud. 

  
  When the customer initially applied with ******************** he provided the following documents that were requested, a valid state DL, his social security card, and his allotment confirmation. The allotment confirmation can only be provided via pdf document and the customer needs to have access to the employer payroll system. This customer is a federal employee and has to have special security access to login to his payroll system. Most federal payroll systems can only be accessed from the facility from which the work is conducted. Furthermore, ************ made ***************************************************************************************** addition to those documents and payment history, the customer connected his bank account where he receives his salary direct deposit. This is a piece of information that is mandatory for applicants because it provides us with employment verification and personal information verification. All banks have a KYC process and we expect financial institutions to follow this KYC regulation and very who is opening an account at their branch location. 

  For all these reasons, we believe this is not a subject of identity fraud and will not be removing any credit remarks we have made to the customers credit history.

  Thank you,
  The Oneblinc Team

• Initial Complaint

  12/31/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This was informed to me in 10/2023. There was no notification that this was going to take place to me it just happened after I made payment to my last salary advance in 10/2023. I have never been late on any payments and I feel if they where going to make a change like this they should have let us know. This is not good business.

  

  Business response

  01/02/2024

  
  These changes the customer speaks of have been in place since August 2023 and we have been advising all customers who contact us about the new refinance changes. We did not send out any notice to customers in order to avoid any confusion and misinformation within our customer base. Our customers in the past were accustomed to being eligible to refinance around the 8 to 10 payment **** and that no longer is the rule. The new refinance policies is being adjusted periodically over the last 4 months in order to take into consideration a wide range of cases that were not covered initially by our implementation. 

  Our company was holding off on making any changes over the last few years but we have reached a point where change was forced upon us in order to survive. We have no shied away from having the tough conversations with our customers during the time these changes were happening. At the same time we have been listening to their frustrations and keeping cool with their over the line responses. We feel everyone is under a lot of financial pressure lately and we will keep implementing compassion with our customers. 

  best regards,
  
  
  

• Initial Complaint

  12/04/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with BLINCLOANS *** it has been paid in full, I do not have a contract with ONEBLINC, they are currently reporting inaccurate information on my credit report.

  

  Business response

  12/07/2023

  The customer is accurate in that the loan in question has been paid in full. It was paid in full in December of 2022.

  The current reporting we have for this customer is for a loan she received on April 7, 2023 for $500. The most recent credit reporting we have on file for this active loan is from 12/06/2023 where it states that the customers current balance is $165. Full verification was done in order to approve this loan. The customer provided her Drivers License, the most recent pay stub, and a screen shot of the allotment directly from the payroll system. The current loan (******) has been reported accurately and all payments received and payments missed have been reported. I would advise the customer to wait a few days and refresh her credit report to see if this information has been updated and if not, to please contact the credit bureaus directly for any inaccuracies she might find.

  best regards,

  Customer response

  12/16/2023

   
  Complaint: 20958781
  
  I am rejecting this response because: In accordance with the Fair Credit Reporting Act. The account below is a violation of my federally protected consumer rights under 15 U.S.C ****.
  

  Account name: ********************
  Account number: ******

  Is in direct violation of, 15 USC ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

  OneBlinc has verified that the loan (******) in question has been paid in full. It was paid in full in December of 2022.
  

  OneBlinc is currently reporting loan (******) status (90 **** days past due with a balance $4,956) date last reported December 11, 2023. I have attached a copy of the Equifax dispute results. OneBlinc "Verified as Reported", which means the reporting company has certified it is reporting accurately. 

  OneBlinc needs to correct my credit report or "Deleted", immediately. which means they have removed it from my credit report and taken steps, so it does not reappear.

  The current loan (******) has nothing to do with this complaint and the information provided is another violation of the FCRA:

  15 U.S.C **** Section 602 A. States I have the right to privacy.

  15 U.S.C **** Section 604 A. Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.

  No details about loan (******) should not have been disclosed in this matter.

   

   Thank you,

  *************************

  Customer response

  12/16/2023

  Please see attachments for Respond to Complaint

  

  Business response

  12/21/2023

  Hi,

  We went into *********** and updated the loan information for the loan in question ending in ****. This loan was settled in 05/23/2022 and was reported as such and yet, the customer was seeing incorrect information when she pulled her credit report. We refreshed the information and closed the account once more and we were provided with this confirmation code AUD-4216847.  
  We ask that the customer please keep this code for reference for the next time she reaches out to *********** and to allow at least 30 days for the information to update on her report. We apologize for the inconvenience with this matter and appreciate her patience.

  Best regards, 

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