Complaints
Customer Complaints Summary
- 8 total complaints in the last 3 years.
- 3 complaints closed in the last 12 months.
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Submit a ComplaintThe 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:03/26/2025
Type: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.
FinMax Smart Capital is requesting that I pay an outstanding balance of $1,324.29 for a business that is no longer running. ******************* has been officially closed for over a year due to the company filing for bankruptcy, therefore I owe for a service I am no longer receiving.
Business Response
Date: 03/26/2025
The account was assigned to our client and was placed to our office for collections. Since the consumer has no intentions of paying it. We will send it back to our client as a refusal.Customer Answer
Date: 03/26/2025
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
Date:03/06/2025
Type: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 company contacted me on 2/17/25 and again on 2/26/25 and again by text on 3/6/25. I have advised them both times in February to cease and desist ALL contact. I have no business or contract with them. They still persist to contact by using spoof numbers. I do not owe this debt. I am judgment proof and disabled. I want them to cease and desist all contact with me and anyone else associated with me, because I found out they send texts to other family members. Theres a whole forum about these people. They need to be stopped!Business Response
Date: 04/01/2025
THE ACCOUNT HAS BEEN CLOSED ON OUR END.Customer Answer
Date: 04/01/2025
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
Date:04/05/2024
Type: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 trying to pay a balance I owe, the company will not provide me with a letter stating what I owe, how much or anything. They state they can only do so if I pay them, which is absurd!Business Response
Date: 04/05/2024
This customer has received a letter which is being attached to this communication. She received the letter initially and set up a payment arrangement for the first payment to be made today. When we called her to about her declined she asked to see the initial letter again that was sent to her before she acknowledged the debt and set up the payments.
The letter is attached.
Initial Complaint
Date:12/31/2023
Type: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 own a venmo card money was taken off my card without my approval. I later received a phone call that went straight to my voice-mail. Stated they were looking for me and left a number to call them back on. Then left a case number or something for referral. My problem is my venmo card is used for my side work. I don't use that card for anything else but that. All of my normal banking is through **** of America. The phone number they called me from just rings the number they wanted me to call back on just rings.Business Response
Date: 01/15/2024
We have attempted to contact the customer due to a declined payment. at this time we are unable to establish contact with the customer. Please have him contact us at ************ to discuss.Customer Answer
Date: 01/16/2024
Complaint: 21077623
I am rejecting this response because:
Sincerely,
*******************Customer Answer
Date: 01/18/2024
I have never heard of this company until they stole money out of my Venmo account. The lie they are saying is 100 % bull. I have one loan out and its only dealt through cash. I have never used the account they stole money from to do a loan of any kind. This is completely bogus.Customer Answer
Date: 01/18/2024
Complaint: 21077623
I have never heard of this company until they stole money out of my Venmo account. The lie they are saying is 100 % bull. I have one loan out and its only dealt through cash. I have never used the account they stole money from to do a loan of any kind. This is completely bogus.
Sincerely,
*******************Business Response
Date: 01/31/2024
We have a recorded conversation with the customer agreeing to pay the bill. The refund can not be done as the payment was charged back by the customerCustomer Answer
Date: 02/01/2024
Complaint: 21077623
I am rejecting this response because: Like I've mentioned before I've never heard of this company before until they stole money off of my Venmo card that none of my bills are tied to. On top of that I've never heard of a debt collection company taking payments from a prepaid card anyway. So I stand on what I said before I don't owe this bogus company anything, nor will I pay them anything,
Sincerely,
*******************Business Response
Date: 02/01/2024
The conversation clearly shows the customer setting up payments. Please advise customer to pay his bill as he charged back the payment that was made.Business Response
Date: 02/13/2024
see attached recordingCustomer Answer
Date: 02/13/2024
Complaint: 21077623
I am rejecting this response because: I stand by what I said previously. However they got my information off of my Venmo card was fixed. So having my information still doesn't explain how they can just take money from a random account that isn't connected to any loan Ive ever had. So if this is just going to be a back and forth about this fraud of a company saying I owe them money, then we can just stop this now. If I did they would have taken me to court or sent me some kind of paperwork stating that I owe for whatever loan they claim that I owe. Calling me and asking me my personal information doesn't prove that I owe anybody that they claim I do. If that's the case I can just call them and claim they owe me money for whatever reason I want.
Indignantly,
*******************Initial Complaint
Date:12/21/2023
Type: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 on my last payment with this company. I explained to them that I have moved recently and started a new job and having been pushing my FINAL payment around and explained that I cant pay it until next month. (January) they told me ******** and have every intention on continuing to let me fault on the account even tho this is my FINAL payment. This is ridiculous as a company and as someone who has paid every other payment to get this account closed. Disgusting greedy behavior for them to basically tell me I need to pay this regardless of my financial situation. They also do not respond to emails. They continue to tell me I can check my account status online however no where on there website gives you access to check your accountCustomer Answer
Date: 12/21/2023
Again. Took 4 hours to get a response via email and continued to receive phone calls and texts.Business Response
Date: 12/26/2023
the customer had a declined payment and the agent advised of payment not going through according to the agreement and demanded a payment per arrangement. After review of the account and due to no previous declines the customer's payment was moved.Customer Answer
Date: 12/27/2023
Complaint: 21040553
I am rejecting this response because:
attempted to email company numerous times prior to decline. Only after talking to someone on the phone and zero help being offered and harassed after numerous texts and emails did I receive a response after asking to speak to a supervisor.
Sincerely,
*************************Initial Complaint
Date:10/04/2023
Type: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 was told 'legal actions would be taken' 'if you start payments then fall back it's really going to hurt your credit'. demanded a $1000 payment before the phone call was over or they would come after me 'to the fullest extent of the law' then he went down to wanting a $300 payment then $100 payment implying if i didn't pay him something before the call was over they would come after me legallyBusiness Response
Date: 10/04/2023
The consumer was not threatened. He was told that he signed a legally binding contract and that we intend to collect on the debt to the fullest extent of the law.Initial Complaint
Date:07/12/2023
Type: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.
Let me just say this is the most disgusting company every they call me back to back harassing me when I tell them thats not me she ***** or **** is giving me all the persons information. I said whats this regarding they said are you this person I said sure they said I need a yes I said no you just gave me all the info which is illegal then decide to yell at me and I told her to stop calling me. Then she decided to call me every day, and I told her to stop calling me. Im not that person, and even if I was that person it is against the law, to harass somebody, then send a text message to my phone saying that they are tracking my location and I called the number and once again **** picked up and I told her stop calling me and pull me from the call list. I then got off the phone and file harassment charges with the ********** sheriffs department. These people are disgusting.Business Response
Date: 07/13/2023
As shown in the attached screen shot, once the person reply stop the phone number has been opted out of any calls or text. As per company policy we do not disclose any information without properly identifying who we are speaking with.Initial Complaint
Date:03/20/2023
Type: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.
They sent this text message to me. I didn't know which it was. So I called them. That already knew my birthday, address. She proceeded to tell me that I owe Capital One when I haven't ever dealt with them. Then she changed it and said that I owe check exchange. I told her that I haven't ever dealt with them either. She said well I have your email and I will send it and you get it you do or don't. I don't know these people. Haven't heard of them. Nor have I received anything in the mail. I work so I don't full with places like this. I only have 1 credit card and it's not through them.Business Response
Date: 03/20/2023
the account has been marked as dispute.
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