Complaints

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

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  eCredable

  PO Box 634 Alpharetta, GA 30009-0634

  
• 

  eCredable

  5755 N Point Pkwy Ste 77 Alpharetta, GA 30022-1146

  

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:08/16/2023

  Type:Service or Repair 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 have been using eCredable for a few months now in hopes of improving my business credit score. Thus far, I have not benefitted from this service and decided to cancel the service. I canceled on their website on 8/14/2023 and on 8/15/2023 I received a charge to my credit card for $9.95. This is the charge I would like to be refunded on. I also do NOT want to be charged again.

  

  Business Response

  Date: 08/18/2023

  Hi *****,

  We appreciate you bringing this matter to our attention.According to our records, you initiated the cancellation of your eCredable Business Lift subscription on Monday, the 14th, at ?08:11 pm EST, subsequent to your card being charged. Your eCredable subscription auto-renews on the 14th of the month--attached are your payment records for your review. Unfortunately, it is out of our control when your bank processes your payment.
  
  The Membership Terms and Conditions you agreed to at signup state you may cancel at any time, and there is no commitment to eCredable; however, once your payment has been received, we do not provide full or partial month refunds.
  
  We consider refunds on a case-by-case basis because we understand business owners have a lot on their plate and things may sometimes get overlooked. However, as your small business advocate, and by simply reaching out to us, we would have been more than open to considering your refund request. Unfortunately, you have never contacted eCredable Care since you have been a member.
  
  Were sorry you no longer want to use eCredable Business Lift to raise your D&B, Experian, Equifax, and Creditsafe business credit scores to qualify for business credit cards and financing so you can grow your business. Your eCredable Business Lift subscription has been canceled, and you were issued a one-time refund of $9.95 for the payment that occurred on August 14th at your request.
  

  Thank you for choosing eCredable Business Lift!
   
  eCredable Care
  eCredable Business Lift
  Make Every Payment Count
  
  

• Initial Complaint

  Date:07/24/2023

  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 have never heard of this company nor have any of my accounts been charged but somehow out the blue this company is on my credit report and dropped my credit 26 points. Im not even in Georgia!!! Nor have I ever resided in Georgia to even begin to have this companies promotions even remotely sent my way. Im not asking for money I just want them to remove me from their system and to report to transunion that I have never had any dealings with them. If they will comply nothing more will come of this, but if not then I will be forced to show how my consumer credit was violated and will *** for damages. All I want is to be removed from their system and off of my credit report that is all. Also after reviewing everyone of my emails I have had no communication with this company other than trying to get this resolved and still no response from the company.

  

  Business Response

  Date: 07/27/2023

  Thank you for bringing this matter to eCredable's attention. We see that you're an IDIQ customer. IDIQ's credit building service is powered by eCredable. The account in question is your TXU Energy account you opted-in to link at IDIQ and authorized to be reported on our Transunion credit report. 
  
  eCredable does NOT report Utility and Telecom accounts to TransUnion as installment loans. eCredable was approved by TransUnion to strictly report Utility and Telecom accounts as an Open Account. TransUnion categorizes accounts on your credit report as one of five Account Types:

  Mortgage (e.g., Home Loan)
   Revolving (e.g., Credit Card)
   Installment (e.g., Personal Loan)
   Line of Credit (e.g., Home Equity Line of Credit)
   Open (e.g., Utility Account or Telecommunications)
  

  eCredable only reports Open Accounts as either Utility or *************************************************** Water, ***************************************** Phone, ********************************* Landline

  If youre using a credit monitoring service and see your utility accounts as a loan, the credit monitoring service youre using is miscategorizing your utility accounts.  
  
  In an effort to ensure this, we encourage you to confirm your utility account is listed on your TransUnion credit report as an open utility or telecom account in two ways--speak to a TransUnion representative or get a copy of your TransUnion credit report from AnnualCreditReport.com. Your utility account will be listed on your TransUnion credit report as follows:
  
  TXU Energy will be listed on your TransUnion credit report as Utility Account (Type 92)
  ECREDABLE.COM, LLC 90005561****
  Original Creditor: TXU Energy  

  Contact TransUnion directly at **************, and ask the TransUnion representative to locate the utility accounts on your TransUnion credit report and verify the account type.

  You can get a free copy of your official TransUnion credit report to confirm your accounts have been added to your TransUnion credit report as either an open utility or telecom account at AnnualCreditReport.com. This site is the major credit bureaus official website to fill orders for the free annual credit report you are entitled to under federal law. To get a free copy of your credit report from TransUnion - visit www.AnnualCreditReport.com.  
  

  Regarding communications with eCredable, the ticket you submitted on Saturday 7/22/2023 3:58 AM concerning this matter was promptly replied to by eCredable on Sunday ?7/23/2023 at 02:52 PM EST. 
  
  If you no longer wish to report your TXU Energy account on your TransUnion credit report, you will need to opt-out at IDIQ. If this the case, your TXU Energy account will be closed in good standing on your TransUnion credit report.

  Please let us know if you have any questions or you can contact IDIQ to confirm this information.

  eCredable Care
  
  eCredable Lift
  "Make Every Payment Count"

  Customer Answer

  Date: 07/27/2023

  Idiq is not the credit monitoring service I use. I use Lexington Law Firm for my credit repair and monitoring the only reason I have idiq is for identification purposes in association with my VA accounts.

  

  Business Response

  Date: 08/02/2023

  Hello *******,

  Thank you for the additional information you provided. I want to clarify that the matter at hand is not related to credit monitoring services. Instead, IDIQ offers a utility reporting credit building service. As per IDIQ records, you chose to enroll in this service on 4/28/2023, and by linking your TXU Energy account with IDIQ, you gave authorization to have the account reported on your TransUnion credit report. Your utility accounts will be listed on your TransUnion credit report as follows:
   
  TXU Energy will be listed on your TransUnion credit report as Utility Account (Type 92)
  ECREDABLE.COM, LLC 90005561****
  Original Creditor: TXU Energy 

  However, if you decide that you no longer wish to be part of this program, you can easily opt-out at IDIQ at any time. Once you opt-out, your TXU Energy payments will no longer be reported on your TransUnion credit report.

  Upon your request, we have notified TransUnion to remove your TXU Energy account from your credit report. This process usually takes 24 to 48 hours to be completed.
  
  Please let us know if you have any questions.
  
  eCredable Care
   
  eCredable Lift
  "Make Every Payment Count"

• Initial Complaint

  Date:07/04/2023

  Type:Sales and Advertising 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 am writing to express my concerns against eCredable, specifically in regards to their ************* I believe I have been unfairly charged for a service that I had already discontinued. I was not informed about a renewal by any source of communication and the charge of $24.95 was made.Much to my surprise, I was billed for a subscription renewal yesterday, despite not having made any such request. In an attempt to resolve the issue, I tried accessing the Lift page to cancel this renewal, only to find that I was unable to do so and had to fill out a form.My efforts to address these issues with eCredable's customer support have yet to yield a satisfactory resolution. I kindly ask for your intervention in this matter to ensure that my Lift subscription is cancelled effectively, the unexpected renewal charges are refunded, and measures are taken by eCredable to prevent such errors in the future.Thank you for your attention to this matter.

  

  Business Response

  Date: 07/06/2023

  Hi ******,

  Thank you for reaching out to eCredable regarding your eCredable Lift plan. We make every effort to be completely transparent regarding our products and services. That is why we take the time to explain how eCredable Lift works, which major credit bureaus we report to, how you may raise your credit scores, and have clear upfront pricing regarding our recurring subscriptionshttps://ecredable.com/pricing. We also give you the ability to look up all of your utility companies and service providers to see if we connect to them before you sign up for eCredable Lifthttps://ecredable.com/resources/utility-search. Also, the eCredable Lift help center is where you can find FAQs, guides,how-to-videos, a variety of topics related to credit, and morehttps://ecredablehelp.zendesk.com/hc/en-us.
   
  As stated on eCredable before you signed up,eCredable Lift is an annual recurring subscription of $24.95 per year. For your records, you can review our plan pricing pagehttps://ecredable.com/pricing. According to the Membership Terms and Conditions you agreed to at signup state, you may cancel at any time and there is no commitment to eCredable. However, once your card is charged, we do not provide full refunds or partial month refunds. Your subscription auto-renewal has been canceled at your request and your eCredable Lift plan will expire on 06/30/2024. 
  

  Thank you for choosing eCredable Lift and we look forward to being a part of your credit-building journey!
  
  eCredable Care
   
  eCredable Lift
  Make Every Payment Count

  Customer Answer

  Date: 07/06/2023

   
  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:05/16/2023

  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.

  On 4/17/23 I paid $49.95 for membership for a net 30 account. I was having problems entering my accounts. Technical difficulties. I called for help and they never reached out. This was just a few minutes after I signed up.I started a ticket to ask for a refund. I never received a phone call after trying to get in touch with them everyday. I would never use this company. They dont care about their clients. I still did not get a refund. It was their fault I was having tech. Problems. A little help would have been appreciated. Wheres my refund? I see other people are not happy with this company. I did nothing wrong. I just chose the wrong business. I wanted a refund because I couldnt use their services. It wouldnt work (website) No one would call me back.

  

  Business Response

  Date: 05/22/2023

  Dear ********,

  First and foremost, we apologize that your experience was not up to our high standards. At eCredable, we strive to deliver the best same possible experience to all of our customers. We genuinely value your feedback and use this to make eCredable even better.

  eCredable Care

  eCredable offers 24/7 online support via Eva *********************** Virtual Assistant), tickets, LiveChat, and an interactive help center where you can find FAQs, how-to guides, videos, a variety of topics related to credit, and much more. eCredable Care team members are real, friendly humans. We love answering questions, solving problems, and helping you on your lifelong credit-building journey. We use various technologies to provide support effectively and efficiently: 
  
  We can instantly view your profile, account activity, system details, and other information so we can quickly and effectively answer your questions.
  We routinely ask you to send ** screenshots, videos, and links to help ** see what you see. We can also send you screenshots and videos to guide you in the right direction.

  It's faster. We can quickly get to the bottom of your questions without putting you on hold.

  Security is our #1 priority. We can immediately verify your identity, and online support keeps detailed records in one place. This ensures that nothing gets lost in translation if we need to escalate your issue. We'll always have access to your previous tickets, so you won't have to repeat questions.
   
  If you need help, there are many options to choose from on eCredable. 
  
  **** eCredable Virtual Assistant - She's available 24/7/365 by clicking the help bubble in the bottom right-hand corner of the site.

  eCredable Care Ticket  agents monitor tickets 24/7 and reply within 24 48 business hours, found here--***************************************************************.

  eCredable Care LiveChat  agents are available on the site Monday - Friday between 9 AM and 5 PM EST on eCredable.

  eCredable Care Help Center  this is available 24/7/365. You can find FAQs, how-to-videos, a variety of topics related to credit, and more here--***************************************************************.
  
  We've carefully reviewed our eCredable Care technical support ticketing system and LiveChat logs. Unfortunately, we could not find any records of where you contacted eCredable Care regarding the problems you were experiencing linking your accounts to eCredable.

  Account Linking and Reporting

  Regarding the trouble you said you had with linking your accounts to eCredable to be reported to participating business credit bureaus, eCredable received invalid credential notifications from FreedomVoice and Spectrum that the login information you entered on eCredable was incorrect and did not match their records. The security of your account information is our number one priority, so your utility companies and service providers require you to enter the current login information on eCredable to authorize eCredable with ************* to your online accounts to report your monthly payments. We've attached a screenshot of the alerts on your eCredable dashboard for your review.
  

  Refund Request

  According to the Membership Terms and Conditions, you agreed to upon signup, you may cancel at any time, and there is no commitment to eCredable. Once your card is charged, we do not provide refunds or partial month refunds. However, eCredable Care takes the time to look into everyone's concerns and considers refunds on a case-by-case basis. Unfortunately, we can no longer issue a refund because you disputed the charge with your bank.
  

  Our mission is to help as many business owners raise their credit scores, so they can qualify for better business credit cards and loansand grow their businesses. in the spirit of our desire to serve you as a satisfied customer, we would like to offer 30 days free of eCredable Business Lift. We hope this will help you on your journey to build better credit scores at D&B, Experian, Equifax,and Creditsafe.

  Please let ** know how you would like to proceed.
   
  eCredable Care
   
  eCredable Business Lift
  Make Every Payment Count

  Customer Answer

  Date: 05/22/2023

   
  Complaint: 20067135
  
  I am rejecting this response because:

  I tried several times for help. I received no reply or any communication. I had the correct information for my accounts. I called to verify them prior. All I needed was as help. Because I couldnt communicate with this company, I used another company. Why didnt any one respond?? Im hoping I get a refund or a charge back on my favor. I tried to work with this company. This is the first time hearing from them. I very serious about the growth of my business. 
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 05/22/2023

  Dear ********,

  Unfortunately, we can no longer issue a refund because you disputed the charge with your bank. Therefore, your bank should have already credited your account for the ***************************** Business Lift enrollment fee. Please contact your bank for more information concerning the chargeback.

  We're sorry to hear you do not want to take advantage of the 30 days free of eCredable Business Lift offer so you can raise your D&B, Experian, Equifax and Creditsafe business credit scores, so you can qualify for better business credit cards and loansand grow your business. Your eCredable Business Lift subscription has been canceled effective immediately at your request.
   
  eCredable Care
   
  eCredable Business Lift
  Make Every Payment Count

  Customer Answer

  Date: 05/23/2023

   
  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:04/25/2023

  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.

  0N 04/22 2023 I SIGNED UP TO ECREDABLE TO REPORT UTILITY BILLS TO INCREASE TRANSUNION CREDIT SCORE--ONLY AFTER PMT WAS RENDURED ON A SELF RENEWING BACIS DID A DROP DOWN BOX APPEAR TO SELECT YOUR UTILLITY--DROPDOWN BOX ONLY INCLUDED UTILLITIES STARTING WITH LETTER -A- THE LETTER -A- ONLY AND NONE OTHER--WAS A TAB TO MANUALY ENTER YOUR UTILITY-CLICKED THAT AND FILLED OUT FORM-THEN A DISCLAMER APPEARS STATING THATITS NOT IN THERE DATA BACE AND MAY NOT BE ADDED--THEY NEVER ANSWER PHONE TRIED FOR 2 DAYS ALWAYS A RECORDED MESSAGE NO RETURN CALLS-TRIED DIFFERENT OPTIONS TRIED TO SPEAK TO SOMEONE IN BILLING -HIT THAT OPTION ON PHONE ANS IS IMEADIATLY DISCONECTED--EXPERIAN BOOST LINKS TO YOUR BANK ACCOUNT TO VERIFY THE UTILITY AND 3 RECIENT PMTS BEFORE THE PROCESS IT--NOT SO WITH THIS COMPANY THEY HAVE NO WAY TO VERIFY IF YOUR TELLING TRUTH OR NOT--I WANT A REFUND AND CANCELATION OUT OF RECURRING PAYMENTS-THIS COMPANY IS ADVERTISING LIES-BORDERLINE FRAUD AT BEST--I WANT NOTHING TO DO WITH THEM-WANT MY MONEY REFUNDED

  

  Business Response

  Date: 04/26/2023

  Dear ***********,

  First and foremost, we apologize that your experience was not up to our high standards. At eCredable, we strive to deliver the best possible experience to all of our customers. We genuinely value your feedback and use this to make eCredable even better.

  eCredable offers 24/7 online support via *** (eCredable Virtual Assistant), tickets, LiveChat, and an interactive help center where you can find FAQs, how-to guides, videos, a variety of topics related to credit, and much more. eCredable Care team members are real, friendly humans. We love answering questions, solving problems, and helping you on your lifelong credit-building journey. We use various technologies to provide support effectively and efficiently: 
  
  We can instantly view your profile, account activity, system details, and other information so we can quickly and effectively answer your questions.

  We routinely ask you to send us screenshots, videos, and links to help us see what you see. We can also send you screenshots and videos to guide you in the right direction.

  It's faster. We can quickly get to the bottom of your questions without putting you on hold.

  Security is our #1 priority. We can immediately verify your identity, and online support keeps detailed records in one place. This ensures that nothing gets lost in translation if we need to escalate your issue. We'll always have access to your previous tickets, so you won't have to repeat questions.
   
  If you need help, there are many options to choose from on eCredable. 
  
  **** eCredable Virtual Assistant - She's available 24/7/365 by clicking the help bubble in the bottom right-hand corner of the site

  eCredable Care Ticket  agents monitor tickets 24/7 and reply within 24 48 business hours, found here--********************************************************************

  eCredable Care LiveChat  agents are available on the site Monday - Friday between 9 AM and 5 PM EST on eCredable

  eCredable Care Help Center  this is available 24/7/365. You can find FAQs, how-to-videos, a variety of topics related to credit, and more here--*******************************************************
  
  Regarding your feedback on how to select a utility company from the more than 4000+companies we support we use a commonly acceptable search feature where you simply start typing and the list of available companies that matches your entry automatically pops up. In an effort to ensure you, weve provided screenshots for your review in an attachment.

  Duke Energy
  Spectrum
  Republic Services
  
  We chose this approach to allow you the choice to pay your bills any way you like. You can use online bill pay from your checking account, a prepaid debit card,credit card, walk-up billpay with cash, or whatever other payment methods your utility company accepts. When you use Experian Boost, you can only choose one type of payment account to pay all your bills that you want Boost to find using a similar bank and credit card company search feature. 

  In the spirit of our desire to serve you as a satisfied customer, we have issued a full refund and given you a FREE year of eCredable Lift.We hope this will help you on your journey to build better credit scores from TransUnion.
   
  eCredable Care
   
  eCredable Lift
  Make Every Payment Count

  Customer Answer

  Date: 04/27/2023

  I EXCEPT THE REFUND--ON CONDITION THAT ALSO ANY RECURRING CHARGES ARE ALSO ELIMINATED--IN THE *** YOU PROVIDED WAS ADDITIONAL INFO THAT WAS NOT PROVIDED BY YOU IN THE INITIAL APPLICATION-MAYBE IF IT WAS DISCLOSED THEN -THINGS WOULD NOT OF ESCULATED TO THIS LEVEL-ALSO YOU KNOW AND I KNOW YOU ARE INPOSABLE TO BE REACHED BY PHONE AND YOUR CALLBACK ARE NON-EXESTANT--AGAIN I EXCEPT REFUND -BUT WANT ALL TIES TERMINATED -INCLUDING RECURRING CHARGES YOU HAVE NOT ACKNOLGED THAT ISSUE YET..*********************************

  

  Business Response

  Date: 04/29/2023

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

  We're sorry to hear you do not want a full refund and a free year of eCredable Lift so you can raise your FICO Score 9 and VantageScore 3.0 from TransUnion so that you can qualify for the best credit cards and loans--including the lowest interest rates.

  We make every effort to be completely transparent regarding our products and services. That is why we take the time to clearly explain how eCredable Lift works, which major credit bureaus we report to, how you may raise your credit scores, and have clear upfront pricing,here--******************************************. We also allow you to look up all of your utility companies and service providers to see if we connect to them before you sign up for eCredable Lift,here--***********************************************************. Also, the eCredable Lift help center is where you can find FAQs, guides,how-to-videos, various credit related topics, and more herehttps://ecredablehelp.zendesk.com/hc/en-us.

  Therefore, the screenshots displaying your utility companies we provided in the *** were not additional information. This was available before you signed up for eCredable Lift. Furthermore, after receiving our response, you proceeded to use our services and attempted to link your ************ Spectrum, and ******** Services accounts to eCredable. You did this by using the commonly acceptable search feature where you simply start typing and the list of available companies that matches your entry automatically pops up.We've attached a screenshot for your reference.

  However,we've issued a full refund and immediately canceled your subscription at your request. Please check your inbox for the cancellation and refund notices.

  eCredable Care
  
  eCredable Lift
  "Make Every Payment Count"

  Customer Answer

  Date: 04/29/2023

   
  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:02/18/2023

  Type:Billing 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 never heard of this company.My bank was billed today by this company It is supposedly reporting on a utility account (Sprint) that I have not had for over 6 months. They have never reported before nor billed me, yet randomly this just shows up.I promptly looked through emails for this company and have had nothing from them ever prior to today.So I filed for a lost password, logged into the account, and canceled it immediately.The fishy part is where, how, and why they suddenly just started charging me for a service I never signed up for and how did they get my account information? Some one needs to slap this company with some hefty fines.

  

  Business Response

  Date: 02/20/2023

  Hello ******,
   
  We take your concerns very seriously. eCredable underwent a strict approval process with TransUnion to be authorized to report utility accounts on consumer credit reports. Therefore, TransUnion would never permit eCredable to falsely advertise services that werent approved. Furthermore, eCredable is a ************* Furnisher. We operate under the federal Fair Credit Reporting Act (FCRA),the Fair and Accurate Credit Reporting Act (FACTA), Gramm ***** ****** Act (GLBA), and other state consumer protection laws. As a ************* Furnisher,the FCRA imposes specific duties on entities that furnish information to credit reporting agencies and establishes procedures for enforcing those duties.eCredable is periodically reviewed by governing entities and TransUnion to ensure we are complying.
  
  Our records confirm you signed up for eCredable Lift to report your utility accounts on your TransUnion credit report and potentially raise your FICO Score 9 and VantageScore 3.0 from TransUnion on 2/16/2021. eCredable verifies the identity of everyone who signs up for eCredable Lift, using your personal information, date of birth, and social security number (SSN ending in  4022).
  
  By signing up for eCredable Lift, you agreed to the Terms & Conditions stated on eCredable at that time, and by entering your **************************** Mastercard ending in  **** gave eCredable authorization to charge your card $24.95 due upon sign up and $24.95 every year thereafter until you cancel your eCredable Lift subscription. Most importantly, eCredable would never charge your card without your explicit authorization and permission. According to our records, you made an annual payment of $24.95 to renew your eCredable Lift subscription the following dates and we encourage you to contact your bank to verify these payments.
  
  2/17/2021 - $24.95 eCredable.com LLC
  2/17/2022 - $24.95 eCredable.com LLC
  2/17/2023 - $24.95 eCredable.com LLC
  
  Since signing up for eCredable Lift, youve been using our service which has raised your FICO Score 9 by 52 points and VantageScore 3.0 by 23 points from TransUnion by reporting your Sprint Wireless account on your TransUnion credit report. In order to report utility accounts on your TransUnion credit report, you opted-in by linking your Sprint account to eCredable by entering your Sprint username and password on eCredable. Your Sprint account is currently linked to eCredable, and you can find your Sprint account on your eCredable dashboard.
  
  eCredable is an entirely opt-in service. Once you link a utility account to eCredable,and with your authorization, our system will automatically and securely access your Sprint online account to collect your monthly payments for the purpose of reporting this information on your TransUnion credit report to potentially raise your credit scores. The eCredable system is automated to keep your Sprint account up to date to efficiently report your utility accounts to TransUnion in a timely manner according to TransUnions reporting requirements. You can unlink a utility account from eCredable at any time if you no longer wish to report your Sprint payments in your TransUnion credit report.
   
  To confirm this information, please log into your eCredable Lift account-- go here--****************************************
   
  There is no ongoing commitment to use eCredable. If you no longer wish to use eCredable Lift to potentially raise your credit scores, you had full access to cancel your subscription at any time. Furthermore, you also signed into your eCredable Lift account to cancel your subscription using a username and password you created on eCredable, which only you would know. This confirms your eCredable Lift account was not created without your authorization.
  
  According to the Membership Terms and Conditions you agreed to at signup state, you may cancel at any time and there is no commitment to eCredable; however, once your card is charged we do not provide refunds or partial month refunds. Weve considered your refund request. Its been determined that services were rendered and available to you as promised. Unfortunately, a refund will not be issued at this time. Your eCredable Lift subscription was immediately canceled on 2/18/2023 at your request.
  
  We hope this helps to answer your questions about eCredables position on this matter. Please contact eCredable if you have any further questions or concerns.
   
  eCredable Care
   
  eCredable Lift
  Make Every Payment Count

  Customer Answer

  Date: 02/23/2023

   
  Complaint: 19427864
  
  I am rejecting this response because:

  You assert that my credit score was raised by at least 9 points. However, you never, not once reported the utility to my credit report nor did it ever show up on the credit report. The first time it reported any issue was after the account was cancelled for 6 months.  You are charging me for a service that your product was not actually received. Evidently the product has not been received for three years although I have been charged for all three years. Try handing out a refund for a service you never delivered on.
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 03/09/2023

  eCredables number one goal is to help as many people as possible raise their FICO Score 9 and VantageScore 3.0 from TransUnion so you can qualify for better credit cards and loans--including lower interest rates and fees. In the spirit of this, we have reconsidered your refund request and issued a full refund effective 3/8/2023.

  If you need to raise your credit scores from TransUnion, feel free to reactivate your eCredable Lift plan.

  Best regards,

  eCredable Care
  
  eCredable Lift
  "Make Every Payment Count"

  Customer Answer

  Date: 03/09/2023

   
  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.However, I was not left time to verify if the funds are being refunded before the 7 day response period runs out. It is easy to say they will refund and never do so.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:07/12/2022

  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.

  ********** is charging my credit card without my consent trying calling the company of fraud but they not responding

  

  Business Response

  Date: 07/18/2022

  Dear ************,
  
  eCredable makes every effort to be completely transparent regarding our products and services.That is why we take the time to clearly explain how eCredable Business Lift works, which major business credit bureaus we report to, how you may raise your business credit scores, and have clear upfront pricing. We also give you the ability to look up your utility companies, service providers,vendor, and suppliers to see if we connect to them before signing up for eCredable Business Lift.
  
  Our records confirm you signed up for eCredable Business Lift to raise your business credit scores by entering your personal information and business information for ******************* LLC on 8/27/2021.By signing up for eCredable Business Lift, you agreed to the Terms & Conditions stated on the website at that time, and by entering your card information at checkout you gave eCredable your explicit authorization to charge your card for $49.95 upon signing up and $9.95 per month until you cancel your eCredable Business Lift subscription. eCredable verifies the identity of everyone and validates every business as a legitimate entity that signs up for eCredable Business Lift. This includes,but is not limited to your personal information, date of birth, social security number, business name, business address, and EIN.
  
  Since you joined eCredable, you have been using our services to raise ******************* LLCs business credit scores by reporting the eCredable Business Lift subscription as a new NET-30 tradeline on ******************* LLC to Dun & Bradstreet, Experian, Equifax, Creditsafe, and Ansonia business credit reportsthis is automatically reported by eCredable. eCredable has been actively reporting eCredable Business Lift subscription NET-30 tradeline while his subscription was active at his request under:
  
  ******************* LLC
  9325 E *********
  **********,** 93543
  
  D&B,Experian, Equifax, Creditsafe, and Ansonia all confirmed receipt of tradeline(s) reported by eCredable:
  
  Your eCredable Business Lift subscription was initially reported to D&B on 9/1/2021.eCredable has continued reporting your subscription payment to D&B on the 1st of every month. It is listed on your D&B credit file as a NET-30 cash tradeline with a $50 amount under Credit Reporting svcs.  D&B does not show the name of the service provider (i.e., eCredable) on their credit report.
  
  Your eCredable Business Lift subscription was initially reported to Experian on 1/1/2022.eCredable has continued reporting your subscription payment to Experian on the 1st of every month. It is listed on your Experian credit file as a NET-30 tradeline with a $10 amount under BUS Servcs.  Experian does not show the name of the service provider (i.e., eCredable) on their credit report.
  
  Your eCredable Business Lift subscription was initially reported to Equifax, Creditsafe and Ansonia on 9/2/2021. eCredable has continued reporting your subscription payments on or around the 2nd of the month to Equifax, Creditsafe,and Ansonia.  It will be listed on your Equifax, Creditsafe, and Ansonia credit files as a NET-30 tradeline with a $10 amount under Business Services.Equifax, Creditsafe and Ansonia do not show the name of the service provider (i.e., eCredable) on their credit report.
  
  Furthermore, our records indicate that you did not attempt to contact eCredable regarding your concerns through the various options provided on the site while your subscription was active. These options consist of emailing eCredable directly at ********************************** and/or submitting a ticket, speaking to our customer care chatbot and/or live agent via LiveChat, and contacting eCredable by phone at **************, which were available to you at any point in time. You contacted eCredable by phone at our local number, which is not publically listed and only available through the BBB.  You acknowledged to an eCredable representative that you understand how eCredable Business Lift works because you inquired about your eCredable Business Lift NET-30 tradeline. This would indicate you are aware of your eCredable Business Lift subscription and the monthly recurring fee.
  
  According to the Membership Terms and Conditions that you accepted, you agreed that you may cancel your subscription online at any time; however, we do not provide refunds or partial month refunds. You had complete access to your eCredable Business Lift account during the entirety of the active subscription period (10 months and 15 days).  You also had the ability to cancel your subscription if you no longer wished to use eCredable Business Lift. Your eCredable Business Lift subscription was immediately canceled, effective 7/12/2022, at your request. It will expire on 7/27/2022 and you will no longer be charged.
  

  We have considered your refund request and have determined that our services were delivered per our Terms and Conditions. Unfortunately, a refund will not be issued at this time.