ComplaintsforCastle Credit Co Holdings, LLC

• Initial Complaint

  07/07/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I'm not liable for this debt with Castle Credit Company Holding. I do not have a contract with the collection agency. The did not provide me with the original contract as I requested.

  

  Business response

  07/11/2023

  Please see the attachment.

• Initial Complaint

  06/29/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Castle Credit Co Holdings claims that at some point I received a loan from them. I am certain that I have never sought out this company for any financial products. Never heard of them except on my credit report.

  

  Business response

  07/07/2023

  Please see the attachment.

• Initial Complaint

  05/16/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I had my shower remodeled in January 2023 by Northshore Remodeling, and it was financed thru Castle Credit. The total project cost $12,933.00 and would have been financed for 5 years.When I received my first statement I saw off the bat that they had already charged $63.14 in interest. Which I thought should not have been charged. I sent in a payment of $5,000.00 because I saw that their billing practices was suspect.. The next month I made a payment of $6,000.00. And the 3rd month that left me a balance of $2,094.51 which included $57.50. That month I paid the $2,094.51 in full.This month I received a letter (not a statement) stating that I owed $10.80. Now where did that charge come from?

  

  Business response

  05/19/2023

  Please see the attachment.

  Customer response

  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

  04/27/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Entered by BBB staff LO Consumer had an alarm system put in ****************** and they turned him over to a collection agency. They were supposed to send someone out to fix the alarm system but they never did. They wanted $2500.00 to settle the debt which he states he paid to Castle Credit on 4/15/2023 but ****************** said they did not receive the money because they canceled with the business in 2022.

  

  Business response

  05/01/2023

  Please see the attachment.

  Customer response

  05/04/2023

   
  Complaint: 19988947
  
  I am rejecting this response because:

  See attached

  
  
  Sincerely,
  
  *****************

  

  Business response

  05/08/2023

  The attachment submitted by ***************** is unreadable. The attachment submitted by ***************** cannot be enlarged.

• Initial Complaint

  04/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I paid off a sliding glass dooe and front door in December of 2021 and thought I was done. Low and behold I went to refinance my house in March 2023 and they have not closed the account or report it to credit bureaus. I asked for statement of paid off and they said ***** hours and I still have no response and theres a lien against my house for a closed loan that is paid OFF!!They said its my job now to work with credit bureaus and now I cant refi all because of Castle Credit. Just a simple email with ending statement is all I need yet they cant even do that

  

  Business response

  04/20/2023

  See attachment

  Customer response

  04/20/2023

   
  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

  03/08/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  This creditor placed a lien on my house. I only learned of the lien when I applied for refinancing. My Debt has been paid off for YEARS. I called them to get a letter to prove that my debt is paid.. they will not respond to the request and never send the documents needed. They are the biggest SCAM company I have ever dealt with. While my loan was actively being paid off they reported false information to the credit bureaus as well as harassed and called my HR for one late payment.

  

  Business response

  04/20/2023

  See attachment

• Initial Complaint

  02/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report Castle credit holding: 15xxxx *************************** have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.I contacted "THE COMPANY" and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

  

  Business response

  04/20/2023

  See attachment

• Initial Complaint

  02/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hello,I was advised by the representative, when I paid off my account and Closed it. All of my previous late payments would be removed. Now it seems like that agreement has been voided. Can we please get this resolved and, have the late payments removed. From you side and, on my credit report as agreed

  

  Business response

  04/20/2023

  See attachment

• Initial Complaint

  01/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Account number#******* was paid in full by PNC on August 2022. A check was overnighted with tracking 1ZE184890176397994 and shows received by ****. It was in possession of FTL Finance as of 9/6/2022.Instead of cashing the check, the account was sold to Castle Credit #******, late fees were added, interest has accrued and the credit bureaus now show late on the account for 90 days. Please remove the late fees, remove the interest accrued since the $5000 full payoff was in possession and delivered as of 9/6/2022, please contact the credit bureaus to remove the lates that were reported. The check can be reissued for the $5000. But those fees need to be removed since FTL Finance chose not to cash the check for the payoff.

  

  Business response

  12/13/2022

  Hello,

  FTL Finance is in receipt of a BBB complaint regarding inaccurate credit reporting and an uncashed check. We apologize for any confusion surrounding your FTL Finance application and active loan with Castle Credit, LLC.  Our intention is to provide easy, simple financing and excellent customer service.  The attached document is a detailed explanation of your account status. 

  FTL Finance is in receipt of a BBB complaint regarding inaccurate credit reporting and an uncashed check.
  We apologize for any confusion surrounding your FTL Finance application and active loan with Castle
  Credit, LLC. Our intention is to provide easy, simple financing and excellent customer service. Below is a
  detailed explanation of your account status.
  
  Our records show that we sold you applied for financing and were approved on July 28, 2022. We sold
  your loan to Castle Credit, LLC on August 1, 2022. We mailed you a letter stating your loan would be
  serviced through Castle Credit, LLC on August 3, 2022. We received a check for $5,000.00 on September
  6, 2022. We called and emailed you on September 7, 2022, to let you know we are unable to cash the
  check. We are unable to cash a check, waive any interest or fees, or remove any derogatory credit marks
  as the loan is with Castle Credit, LLC and not with FTL Finance. Please contact Castle Credit, LLC at 800-
  492-2477 for further assistance.

  Customer response

  12/13/2022

  Complaint: 18516398
  
  I am rejecting this response because:
  
  I didn't receive notices as mentioned on the response letter. 

  
  Sincerely,
  
  *******************************

• Initial Complaint

  01/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In September and December of 2022, I contacted Castle Credit (acct #: ******) regarding inaccurate information that they were reporting to the three major credit reporting agencies (Experian, Transunion, and Equifax). I requested a full investigation into this matter and filed a complaint with the **** (#******-9896618). On January 12th 2023, Castle Credit responded by mail stating that they completed their investigation, and that the information is correct. After reviewing my most recently updated credit report (1/24/2023), Castle Credit (and the credit agencies) have changed little-to-nothing regarding the many inconsistencies in information reported to the three major credit bureaus. Castle Credit had been given 30 days to complete an investigation into this matter yet has done nothing. Experian, Transunion, and Equifax have done nothing!! This is fraud, and Castle Credit is in violation of my rights!!! In accordance with the Fair Credit Reporting act, Castle Credit (and the 3 major credit bureaus) have violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. 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 a account without my written instructions 15 ***********. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. ****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.

  

  Business response

  02/03/2023

  The following response is regarding complaint #******** filed by ************************* with the Better Business Bureau. ************** claims ********************** Holdings LLC GAFH did not fully investigate his claims of inaccurate credit reporting and that GAFH have violated his rights by reporting inaccurate information to the bureaus. **** takes every complaint seriously and can confirm that a full review of the reported credit info was completed. **** confirmed the reported information is accurate. The Installment loan opened on 12/15/2017 is being reported as Charged-off due to an unpaid balance. ************** last made a payment on 09/21/2021 and after multiple attempts to contact ************** to bring his account current, the account was finally charged-off in March of 2022.
  
  Per the **** (Fair Credit Reporting Act) Castle Credit is obligated to report complete and accurate information to the bureaus, it would be a violation of **** for the reporting to be altered. If ************** really believes there is inaccurate data being reported, we request he provide supporting documentation that support his claims of inaccuracy.
  
  We appreciate ************** business and are willing to negotiate a payment arrangement or settlement to cure his account. We urge ************** to contact our customer service line at ************ to negotiate a payment or settlement.

*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. ↩