ComplaintsforOvation Credit Services by LendingTree

• Initial Complaint

  04/10/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  01/13/2023 the amount $47.42. Two more on 01/16/2023 one in the amount of $47.42 the other in the amount of $49.00. I need to know if I canceled on you guys because I believe I did before the first of the year and I just want to know if I did why I'm still being charged for your help that cannot help me any in the first place and I believe that $133.84 in one month is to much to take off a person's card. And if I haven't canceled I am now and I want my $133.84 put back on my card. And by the way I believe that you're in the wrong for having your phone disconnected and not having a new phone number to replace it. You can reach me at * ************, and I haven't disconnected any phone numbers and 4 years.

  Business response

  04/10/2023

  Good morning *****,

   

  Ovation Credit Services a LendingTree company is sorry to hear of your concerns. After reviewing your account it appears your account was closed on 1/13/2023 and your last payments from 1/13/2023 and 12/14/2022 was refunded back to you on 1/13/2023 when you requested to close. 

  These payment refunds should have been returned to your bank in January 2023. 

  At this time your account is closed and nothing further has been charged to you.

  We wish you the very best of luck in your future endeavors.

  If you have further questions please do not hesitate to reach out to me directly.

  ****** ***** | Ovation Credit Services by LendingTree
  Senior Client Services Manager
  **** ******** ******* ***** *** | ************* ** *****
  ************ **** ****
  

• Initial Complaint

  03/27/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  This company has called my cellphone multiple times trying to sell me some kind of financial services. My number is on the Federal Do Not Call List. I have made several attempts at resolving the matter via email and phonecall, but my emails were ignored, and the one person I did speak to, hung up on me. At this point, I need to speak to the company's ATTORNEY or LEGAL REPRESENTATION to get this matter resolved. Failure to do so will result in significant legal action being taken against the company.

  Business response

  03/27/2023

  Good afternoon *****,

   

  We apologize for the inconvenience we caused you. It appears you may have shown interest in our parent company *********** and they referred your information over to us to help you with your ****** needs.

  We have at this time removed your contact information from our system and will not contact you further.

  However, if at anytime you are in need of ****** repair in the future please do not hesitate to reach out to me directly and I would be happy to help you.

   

  Thank you and have a wonderful day.

  ****** ***** | ******* ****** ******** by ***********
  ****** ****** ******** *******
  **** ******** ******* ***** *** | Jacksonville, FL *****
  ************ EXT. ****
  

  Business response

  04/04/2023

  Dear *****,
  Researching your complaint further, we found that the call to your mobile phone was made by another company.
  When you or your husband continued the conversation and engaged with their representative, that company transferred you to us. 
  We did not contact you directly, which would indicate that your concern lies with **** *** ******
  
  To ensure you won’t be contacted by us, we verified your contact information was removed from our system,
  and that your “Do Not Call” status is active on the phone number on this complaint ************* and your mobile **************
  
  We also confirmed that you were never a ******, and that no payments were received from you.
  
  Often when consumers research online, they provide their contact and other personal information without realizing
  that by doing so, they give permission for this same information to be used for marketing purposes and follow-ups. 
  We recommend reading closely all disclosures on any websites you visit to ensure full understanding.
  
  It’s hoped this response is helpful.
  
  Respectfully,
  
  ****** ***** | ******* ****** ******** ** ***********
  ****** ****** ******** *******
  **** ******** ******* ***** *** | ************, FL *****
  ************ EXT. ****
  

  Customer response

  04/05/2023

  Absolutely NOBODY in thos household provided ANY company permission to contact us. The company you mention, "**** *** ******, did NOT obtain the proper permission required by law; no "online form" was filled out by anyone in this house, as we would have no such need for such services. As the end benefactor of the telemarketing, your company IS responsible for it. I suggest you communicate with your third party advertiser, and have their legal representation reach out to me as soon as possible. I will be forwarding all of my recently received illegal telemarketing issues to an attorney later this week.

   Complaint: ********

  I am rejecting this response because:

  Regards,

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

• Initial Complaint

  03/07/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I was guaranteed and promised results from utilizing the services but no results proved I continuously begged and pleaded for understanding and lack of commitment from this company to just refund money this was a business exchange and they did not perform up to the abilities they broadcasted.

  Business response

  03/13/2023

  Good Day Ms. *********,

  
  We’re sorry that your expectations were not met.  We set high standards for our business and want to help clients fully maximize their credit profiles.  Unfortunately, final decisions following investigations completed by the credit bureaus and creditors are completely out of our control and we did not see the results we hoped for.  After reviewing your account, we found that your final bill was waived at the time you closed your account.  In addition and as a courtesy, I have refunded the last two monthly payments totaling $214.48 to your credit card on file.
  

  We wish you the very best of luck in your credit journey.
  

  If you have any questions please do not hesitate to reach out to me directly. 
  
  

  Sincerely,
  

  ****** *****
  Senior Client Services Manager, Ovation Credit Services by LendingTree
  ************************

  Customer response

  03/14/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  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. 

  Regards,

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

  Thank you for outstanding help with this claim.

   

• Initial Complaint

  03/03/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This credit company has been taking my money and lowering my credit score. Finally when I called to cancel they dropped my points down by 125.

  Business response

  03/06/2023

  Dear Ms. *****,
  
  These are difficult times, so we understand how tight home budgets have become.  Your account was established for little more than two months when most clients are with up 6-8 months to optimize their credit profiles.  In this period, your account balance was past due for much of this time, in fact, your first monthly payment was not received until 1/27 at which time a late fee was assessed.  When accounts are past due, our work pauses so results are delayed.
  
  Truly wishing to help, we refunded the late fee of $15 to the credit card you provided.
  
  Please contact me with any questions.
  
  We wish you the best of luck in your credit future.
  
  Sincerely,
  .

• Initial Complaint

  02/07/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  In early November of 2022 I sent both an email and a message to my advisor thru ovations online portal requesting to cancel my services. Weeks went by and no reply was given. On November 28th I was charged $105.48. On I believe was December 1st or 2nd I called ovation to see why I was charged again for services I requested to be canceled. I was told that they could not see in their system that I ever used the portal so submitt anything since my time with them, even though that's how I submitted every document that they requested of me. So I was told the charge would stand and that if I wanted to cancel my services I would have to pay another $29.07 for the days that would pass in December before the account was closed. The agent was extremely rude and insisted that all this was my fault and they were not to blame. Then when I got the slightest bit agitated with her she threatened to terminate the call. Very unprofessional customer service not to mention they do not do what they say they will. In 4 months with them the case advisor tried to call me 4 times, the first of which I told her I was working and she needed to call at a later time but she continued to call during my work hours. The one time I did actually talk to her she asked me if I had any questions about my case. She didn't tell me what they were doing or if anything has improved just a quick hi and bye.

  Business response

  02/07/2023

  Dear ******* ******l,
  
  We are sorry to hear your experience was not what you expected.
  It is our goal to help all of our clients reach their credit repair goals.
  On average to reach the possible potential in your credit repair the service can take between 6 to 8 months to see the desired results.
  
  At this time we have refunded your November payment and final payment charged when closing your case in December.
  We also closed your account so nothing further will be charged.
  
  We wish you the best of luck in your credit future.
  If you have any questions please do not hesitate to reach out to me.
  
  ****** ***** | ******* ****** ******** ** ***********
  ****** ****** ******** *******
  **** ******** ******* ***** *** | ************* ** *****
  ***.***.**** EXT. ****
  

  Customer response

  02/07/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  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. 

  Regards,

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

   

• Initial Complaint

  02/03/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  On January 20, 2023 I was put on with Ovation as a step towards a rent to own home. I had not completed setting up anything with them and decided against doing so as the company who insisted that I speak with them had no properties of the rent to own variety in the area I was looking. They have tried to go through my account for funds on numerous occasions now and today I was informed that my previous attempts to cancel, as I had already engaged a firm to handle my debts, had not even been noted. Perhaps a glitch but either way they withdrew funds well after the timeframe in which I would be “eligible for a refund” which in the end shorts me, a single mother of 8 children and allows them to feel as though they should profit off the backs of others misfortune. Had I not gone through a divorce where my ex damaged my credit in the first place theyd never have had the opportunity as I had good credit prior. Very clearly a scam as a refund should be able to be issued within the same timeframe as money has been collected especially as no work has been done.

  Business response

  02/06/2023

  Dear ******** *******
  
  Researching your complaint, it appears the affiliated company who may have referred you did not have the listings you anticipated.
  
  Our business provides credit repair to help our clients reach their credit goals.
  In this case we did not have the opportunity to begin working on your credit and have, therefore, refunded your First Work Fee of $89.
  We also closed your account so nothing further will be charged.
  
  We wish you the best of luck in your credit future.
  If you have any questions please do not hesitate to reach out to me.
  
  ****** ***** |
  
  

• Initial Complaint

  01/20/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  January 14th 2023 $114.00 was taken off my card without permission from ovation credit services which made me late on bill I've tried to contact them multiple multiple times an never heard anything from them at all my main despire resolutions is to get full refund

  Business response

  01/27/2023

  Hello *** *******

  
  When you spoke with us December 29th and enrolled in our credit repair service, you provided your credit card info and authorization on a recorded line.  It was at that time you were charged a first work fee that covered the establishment of your online dashboard and digital connections with the national credit bureaus. 

  
  Unlike other credit repair organizations, we offer a full refund for consumers that cancel or close their account within five days.  Seeing the confusion, we’ve refunded your total payment of $114.  It may take 10 business days to see this refund at your financial institution.
  

  If you have questions, please contact me or and we’ll do our best to help.
  Sincerely,  
  
  

• Initial Complaint

  01/17/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Started with them first part of 2022 and I have seen no results to my credit. A few late charges removed. Took almost a year and I think me calling and speaking to some helped more than them. Just don't do what they claim and are useless for 109.00 a month. A year of wasted money. But lesson learned. Never again! Will fix my own credit for here on.

  Business response

  01/27/2023

  Dear,
  
  We were disappointed to receive your complaint and tried to reach you but found your voicemailbox full.
  
  Taking a deeper look it appears your account was past due five separate times while you were with us pausing work each time and delaying any progress.  Reviewing your case file we were successful removing two accounts showing late payments in both your Equifax and TransUnion credit reports.
  
  As a courtesy, your last payment in December and the previous late fee totaling $120.37 were refunded to your credit card on file.  It may take 8-10 busines days for this refund to be reflected at your banking institution.
  
  Should you have any questions, please contact me or Client Services Manager ******** ****** *************************** and we’ll be happy to provide more detail and answer all questions to your full satisfaction.
  
  

  Customer response

  01/27/2023

  They just took 59 dollars in change from my account last week. Saying I qas enrolled for half the month. Then you got 2 things removed. A year later and a thousand dollars plus and that's your progress. Yes I was late because I was out of work and wasn't pressed on paying you all and you weren't showing any results. You all are ripping peopl off. The little late payments you get removed. People can do that theirselves and much cheaper. But definitely a lesson learned

   Complaint:

  I am rejecting this response because:

  Regards,

   

  Business response

  01/30/2023

  Hello *** *******
  
  We understand your concerns in these difficult times.  In the 12 months with us, your account was past due no fewer than four times which halted our progress each time until the account was brought current. 
  
  Consumers can certainly review and correct misinformation on their credit reports and many employ us for convenience.  We never promise results as credit bureaus and lenders are individual institutions separate from our own.
  
  Truly wishing to help, we refunded the prorated final payment and your November payment totaling $168.77.  Added to previous, your refunded total is now $289.14.
  
  Please contact me or with any questions.
  We wish you the best of luck in your credit future.
  
  Sincerely,
  

• Initial Complaint

  11/28/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I paid them monthly when I should of paid myself! I did this to help get a mortgage loan n they couldn't even help me rent . Starting off with the 109 a month I believe had a issue needed to change payment situation no call back no email . So I struggle a week but decided to let them know not good customer service they say they will change my plan not saying it don't change the next payment only the one after . I have did more by myself working with other ways to improve.Now I call to cancel since once again no response basically if u want to talk to someone miss a payment the contact u fast . Also they will take credit for items you worked hard to get removed n let them now ...they will take credit for that as well now they want me to pay to close my account Ridiculous

  Business response

  12/12/2022

  Dear Ms. ***********,

  
  We were disappointed to receive your complaint and tried to reach you but found your phone disconnected.
  

  Given no results on your Experian credit report, we took the added step of refunding a total of $340 to your credit card.
  Reviewing your case file we did make some progress with two accounts turned positive and one negative account deleted from your ********** ****** *******. We also had one account deleted from your ******* credit report. 
  

  Should you have any questions, please contact me or  and we’ll be happy to provide more detail and answer all questions.
  

   

  Sincerely,
  

• Initial Complaint

  11/16/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I signed up on May 27th, 2022 for credit repair assistance. I paid this out of the gate, then every month is shown below. First work fee: $89.00 Monthly fee: $109.00. I have had 4 case managers changes without any notification from this company. Asked every month to provider all documentation when nothing has changed. I have tried to reach out but no one ever answers the phone or returns calls. I have spoken to a total of 4 people in 5 months. I spoke with a gentleman today when I saw a charge for next month hard posted to my bank account even through **** who I spoke to on November 10th, 2022 to finally beagle to cancel my service as I have been trying for months but was locked out of the companies dashboard and when I tried to do a password reset I would never receive an email to do so. This gentleman gaslight and blamed me for not following the contract. Which is completely false. This gentleman also stated, oh I see you credit score has gone up while with us! I informed him no sir that was me taking charge and doing it my self. The one negative bogus mark on my credit that I hired you guys for is still there after months of sending letters. This companies predatory behavior, and promising that can help fix your credit all the while taking hundreds of dollars from people and then blaming them when they stand up and saw you are wrong I'm done and will do this on my own. I tried to reach out for resolution and refund for this next month's charge but was met with the most unprofessional behavior I can even explain. I want to warn people about this so they do not fall victim to what I did. Some people don't have hundreds of dollars to throw away. So incredibly disgusting what this company is doing to people who are trying to make things right in their lives.

  Business response

  11/21/2022

  Dear ******* ******,
  
  We were very disappointed to receive your complaint and asked one of our best advisors to reach out to you directly.  It’s unfortunate you didn’t wish to speak with us as I truly believe we could have answered all your questions and resolve the situation to your full satisfaction. 
  
  As we find the last successful disputes completed four months ago we have refunded those same months totaling $436.00 to your card on file. 
  
  Clients are discouraged from working on their credit profiles at the same time they’re enrolled in our service as the effort often stymies halts any progress.  When credit bureaus receive our disputes digitally and letters from consumers, the information doesn’t match perfectly resulting in stalled or rejected disputes.  Doing so also make it difficult to know which effort was successful. 
  
  If you have questions, please contact me or Sr. Client Services Manager ****** ***** *************************) and we’ll do our best to help.
  
  Best wishes on your credit journey.
  Sincerely,  
  
  ***** *******
  Director, Client Experience Operations
  Ovation Credit Services, a LendingTree Company
  **************************

  Business response

  11/28/2022

  Dear Ms. ******* ******,

  Sounds like you work many hours and keep busy.  Please propose a few dates and times and a manager will contact you to ensure your questions are answered.

  If easier, you can email your availability (dates and times) directly to Sr. Client Services Manager ****** ***** **************************.
  

  Sincerely,  
  
  ***** *******
  Director, Client Experience Operations
  Ovation Credit Services, a LendingTree Company
  **************************

   

  Customer response

  11/28/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, there really is nothing more to discuss as I will never use your predatory services again. I have spoken to a wonderful lady who did the right thing, but one out of dozens seems hardly enough. I do not live penny to penny like most who are using your services and this type of behavior should be illegal and prosecutable. This ends any business interaction I will ever do with ovation services and lending tree. What a disgrace.

  Regards,

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

   

*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. ↩