Business Profile

Loans

BalanceCredit.com

Headquarters

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for BalanceCredit.com's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

58 total complaints in the last 3 years.
18 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:04/13/2025
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 am filing this complaint against *************************** Balance Credit, and National Debt Holdings. A fraudulent account was opened in my name and reported to ********** under Balance Credit. This account is a result of identity theft. I have never opened or authorized this account, and I have filed a police report and identity theft affidavit. Despite my clear communication to ************************** that I am a victim of identity theft, their representatives (****** ****** and ***** London) continued to pursue payment and sent additional communications via text message and phone calls after I asked them to stop. They failed to verify my identity at the beginning of the call and refused to provide timely documentation or a physical mailing address for the company. In addition, I was quoted a debt of $3,099, which is significantly higher than the $2,007 listed on my TransUnion credit report suggesting potential misrepresentation or deceptive practices.This situation has caused emotional distress, damaged my credit, and harmed my reputation. I am demanding the immediate removal of this account from my credit report and appropriate corrective action by all parties involved. Failure to comply will result in ongoing legal action. I have already filed complaints with the ************************ (***), the Consumer Financial ***************** (CFPB), and the Better Business Bureau (BBB). I am also preparing to initiate a civil lawsuit against all parties involvedincluding the credit bureausfor violations of federal consumer protection laws, emotional distress, and credit harm.Please govern yourselves accordingly. I am including a copy of my police report, affidavit of identity theft, and the credit report screenshot showing the false listing for your reference.A response and confirmation of deletion is required immediately and upon receipt of this notice.Thank you.
Business Response
Date: 04/21/2025
Dear Tyeca *****,
SunUp Financial, LLC, d/b/a BalanceCredit.com (Balance Credit), is in receipt of your complaint against Balance Credit filed with the Better Business Bureau. We take consumer complaints seriously and appreciate the opportunity to address your concerns.
Given the nature of this complaint and privacy regulations, we are unable to disclose confidential information in this forum. Our standard practice is to reach out to the consumer directly to address and resolve any issues or concerns.
Please feel free to contact our Resolution Team at ************.
Thank you,
Balance Credit
Initial Complaint
Date:04/07/2025
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.
THIS IS A LOAN COMPANY CHARGING ********% DAILY INTEREST = Contract started 8/19/2024 Amount Financed $2,400.00 17 Payments of ****** = $3,738.13 to date Balance as of 04.07.2025 = $2,210.86 They have only applied $ ****** toward principal in 17 payments, taking the total mount in interest They are not applying what they are selling their customers toward the principal after the first 2 payments. I am an accountant by profession and ************************************ (*****) have noticed and "Issue" what they are applying payments interest v. principal , I believe they are fraudulently miss leading customers and the company does need to be investigated.
Business Response
Date: 04/17/2025
Balance Credit is in receipt of the consumers complaint.Balance Credit is an authorized servicer for ******, a division of ********************** (******). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns.
Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns.
We would like to continue to work with **** ****** regarding this matter. **** ****** is welcome to contact our Resolution Team at ************. We trust this information is responsive to your request.
Sincerely,
Balance Credit
Initial Complaint
Date:04/03/2025
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 received a loan from Balance Credit on 10/22/24 and have now realized that ******* is using a "rent-a-bank" scheme with this loan as they are charging usury rates of interest which are higher than what is allowed in my state. Not only that, but this lender is also not licensed in *******, which is where I reside.I have attached documentation of what interest rate this company is charging me as well as what is legally allowed in my state, which they knew where I lived as it was on my loan application and agreement. I would like to know what they're going to do to resolve this issue. I am $12 away from paying off the principal completely and because they are not licensed in my state, I'm legally not required to pay the principal nor the interest. However, I will pay the remaining $12 and would like this account closed.
Business Response
Date: 04/10/2025
Balance Credit is in receipt of the consumers complaint.Balance Credit is an authorized servicer for ******, a division of ********************** (******). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns.
Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns.
We would like to continue to work with ****** ****** regarding this matter. A member of the Resolution Team will call ****** ****** within five (5) business days from the date of this letter if she has not already received a call. We trust this information is responsive to your request.
Sincerely,
Balance Credit
Customer Answer
Date: 04/14/2025

Complaint: 23155475

I am rejecting this response because:
A letter was received in the mail that does not address the complaint - just further tries to explain the legitimacy of the company. Unfortunately, ******, **********************, SunUp Financial, and whatever other names the company wishes to go by are not on Indiana's listing for lenders licensed in the state...not even on the suspended or revoked. If they're not a licensed lender in my state, how is this legal? Pretty sure if you're lending money in a state, you need a lender's license to legally do so.

Sincerely,

****** ******
Business Response
Date: 04/17/2025
Balance Credit is in receipt of the consumers response to Complaint ID ********. Please be advised that ****** is a Utah state-chartered bank with the ************************************* (****) as our primary federal banking regulator.Consequently, ****** is governed by both federal banking laws and the laws of the State of Utah. Pursuant to 12 U.S.C. 1831d, ****** has the authority to export Utahs permissible interest rates and ****** is permitted to conduct business anywhere in *****************, which includes the state of IN. Balance Credit, also known as SunUp Financial, LLC is contracted to provide certain services for the CCBank Installment Loan. As your servicer, Balance Credit is the point of contact while there is an outstanding balance. We take consumer complaints seriously and appreciate the opportunity to address their concerns.
As stated in our initial response to the complaint submitted on 4/10/2025, due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns.
Due to the request to cease all communication by the customer, we are unable to reach out and work with ****** ****** regarding this matter. Ms. ****** ****** is encouraged to call into our contact center and speak with a member of the Resolution Team at ************. We trust this information is responsive to your request.
Sincerely,
Balance Credit
Initial Complaint
Date:03/25/2025
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 borrowed 3000 and fell behind on payments. They reached out to me to settle and now want me to pay $5000.00 which is ridiculous and a total ripoff. I told them that if they really wanted to settle, they would not try to take advantage of people. The person on the phone stated that they were not trying to take advantage of me and I told them I totally disagree. I wish to have no further contact with them as they are unscrupulous scam artists.
Business Response
Date: 04/01/2025
Dear **** *********
SunUp Financial, LLC, d/b/a BalanceCredit.com (Balance Credit), is in receipt of your complaint against Balance Credit filed with the Better Business Bureau. We take consumer complaints seriously and appreciate the opportunity to address your concerns.
Due to the nature of the complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without a specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns.
We would like to continue to work with you regarding this matter. Please contact our Resolution Team via email at *********************************************.
We trust this information is responsive to your request.
Sincerely,
Balance Credit
Initial Complaint
Date:03/24/2025
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 received an email from Balance Credit that I was late with a payment on a loan. I do not have a loan with them nor have I ever applied. I called them As a courtesy as I am a 30 year retiree of ***************. They asked me for social, dob, etc for verification. I told them as I have never I interacted with them before I would not provide them with personal information. They will not provide me with a loan amount, who supposed funds were mailed to, if mailed? Was it a check? Direct deposit? ***. I now am threatening emails about collection agency, etc. Ive now placed four calls to them each with the same outcome. I will not give them my personal information and they will not talk to me. No supervisor is ever an available. The *** is in the ************I do not have any outstanding loans. I have several credit cards that I only use for points paying them Off before they ever statement. Not certain where to go from here. But I would never apply for a loan from them!
Business Response
Date: 04/01/2025
Dear ******* ******,
SunUp Financial, LLC, d/b/a BalanceCredit.com (Balance Credit), is in receipt of your complaint against Balance Credit filed with the Better Business Bureau. We take consumer complaints seriously and appreciate the opportunity to address your concerns.
Due to the nature of the complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without a specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns.
We would like to continue to work with you regarding this matter. A member of the Resolution Team will call you within five (5) business days from the date of this ********** may also feel free to contact our Resolution Team via email at *********************************************.
We trust this information is responsive to your request.
Sincerely,
Balance Credit
Customer Answer
Date: 04/02/2025

Complaint: 23110868

I am rejecting this response because:
I contacted them 4 times to explain that I DO NOT have nor have I ever applied for a loan with them. Each time the **** located in the ***********, following a script and NOT listening to understandwould not give me any information unless I provided them with social security, birthdate, etc info. If I feel I do not have an account with them, why would I provide this.

update: since my original complaint, I have found record of their scam loan on my trans union credit report and at least now I know the scam Loan was opened on 2/25. I want to see the original application. I want to see a signature that I never provided. Most importantly, where is the Money? What did they do with it? I never received a check nor a direct deposit! I have issued a dispute with the credit bureau which informs me that balance credit is NOT responding to them.
having retired from banking after a 30 year career I do not take this lightly and I will NOT be taken in by this fraud and or identity theft!

Sincerely,

**** ******
Business Response
Date: 04/03/2025
Dear ******* ******,
SunUp Financial, LLC, d/b/a BalanceCredit.com (Balance Credit), is in receipt of your Complaint- ******** filed with the Better Business Bureau. An initial response was submitted by SunUp Financial, LLC, d/b/a BalanceCredit.com (Balance Credit), on 4/1/2025.
As previously stated, given the nature of this complaint and privacy regulations, we are unable to disclose confidential information in this forum. Our standard practice is to reach out to the consumer directly to address and resolve any issues or concerns.
Our records show that a detailed email was sent to you on 4/2/2025 with guidance on handling your claim as well as the companys contact information.
Should you have any additional questions related to your loan, you are welcome to contact our Resolution Team at ************.
Thank you,,
Balance Credit
Customer Answer
Date: 04/11/2025

Complaint: 23110868

I am rejecting this response because: Hello

I did respond last time as soon as you sent an update? In any case, thank you for your email. Please know this matter, has not been resolved. Balance credit said they would contact me within five days which they did not. They still will not release any information to me regarding where an application is, prove they have my signature, and most importantly what they did with the money because they never transferred it to me via check or EFT. The only update I have is that apparently someone made a payment to the loan. Originally they had sent me an email stating I was past due with a payment and I contacted them to tell them that I did not have a loan with them. Now they seem to show through *********** that a payment has now been posted. I guess whoever is scamming them is making the payments.

Sincerely,

**** ******
Initial Complaint
Date:03/19/2025
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.
The business is contacting me telling me that I have an overdue balance for a loan that I did not receive. The loan has my name and old address and information but the bank account that it was sent to is not mine. I never signed anything or asked for a loan from them. I am attaching something that they state i signed on 5/3/2025. It is only 3/19/2025 today. This is a scam and I do not want it affecting my credit. I want them to stop contacting me and to remove the supposed debt that they claim I owe.
Business Response
Date: 03/26/2025
Balance Credit is in receipt of the consumers complaint. Balance Credit is an authorized servicer for ******, a division of ********************** (******). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns.
Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue to resolve BBB concerns.
We would like to continue to work with ******* ****** regarding this matter. A member of the Resolution Team will call ******* ****** will attempt contact within (5) business days from the date of this letter. We trust this information is responsive to your request.
Sincerely,
Balance Credit
Initial Complaint
Date:01/17/2025
Type:Order 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.
The business is Balance Credit. The date of the transaction is: 10.28.2024. It is a $3,000 at a 24% interest rate. The company demanded a payment within less than a month of the transaction. Obviously, the loan was for a reason, and the short repayment demand was unreasonable and, I believe, financially unethical. There have multiple complaints to the BBB about this company. The interest rate moved from 24% to ******%. This company committed to a short-term, affordable loan. The company promotes an understanding, compassionate approach to people needing the loan requested. Fair terms are also promoted. The main issue is that a $3,000 loan now bears $6,899.80 finance charge. This a fine print, a deceptive contract that takes advantage of people in need. The company is also charging interest daily at this escalated interest rate.I have called the company complaining about the matter. I ask for resolution, and I was refused.I need help resolving this. I have refused to pay them based on these facts.
Business Response
Date: 01/30/2025
Balance Credit is in receipt of the consumers complaint.Balance Credit is an authorized servicer for ********************** (******).****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns.

Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without a specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns.

We would like to continue to work with ***** ******** regarding this matter. A member of the Resolution Team will call ***** ******** within five (5) business days from the date of this letter if she has not already received a call. We trust this information is responsive to your request.
Sincerely,
Balance Credit
Customer Answer
Date: 02/04/2025

Complaint: ********

I am rejecting this response because:
Hello,

There has been no attempt from Balance Credit on my Complaint#********. There is no resolution. They continue to charge my daily interest at the rate of 224%. This is extortion. I am reporting the company to every credit bureau. They drove my credit score into the ground, and my credit was good to excellent. They are holding my life hostage over $3,000, which I could have paid back with the published 24%. I now am refusing to pay this "loan shark" amount, which was never agreed upon in the main text of the agreement. Thanks

Sincerely,

***** ********
Business Response
Date: 02/06/2025
General BBB Response
Balance Credit is in receipt of the consumers complaint.Balance Credit is an authorized servicer for ********************** (CCBank).****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns.
Our records show attempts to contact Ms. ******** on 1/31/2025 and 2/3/2025 via the email address provided by Ms. ******** during the application process.
Pursuant to 15 U.S.C. 1681i(a)(3), we are terminating reinvestigation of information disputed by the consumer due to the consumers failure to provide sufficient or new information. For further consideration, Ms. ******** should submit new information or may provide financial records, which show our records contain an error.
We would like to continue to work with ***** ******** regarding this matter. Ms. ******** may submit any new information or contact our Resolution Team at ************ or via email at ******************************************.
We trust this information is responsive to your request.
Sincerely,
Balance Credit
Initial Complaint
Date:01/17/2025
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.
I have had to submit multiple loan applications to Balance credit loans because nobody ever gets back with me and this causes the loan to expire. I have called to the resolution department but most of the time they just have the ** *** tell me that they are still investigating. I have submitted 4 loan apps WI a month 12/5/24 BC2259456, 12/15/24 ********* 12/25/24 BC ******* & 1/5/25 BC ******* .. STILL NO ANSWER ABOUT MY LOAN. They are so very unprofessional and NOT helpful at all. They keep saying that when they try to call me they can't reach me but there is absolutely nothing wrong with my phone!!! The problem is with them. How long does it take to either approve or deny a loan. I have been waiting for what seems like forever!!! Can you please check into this issue and let me know something about my loan Thank you so much ***** ****** ************ ******************************************* **********************************
Business Response
Date: 01/30/2025
Balance Credit is in receipt of the consumers complaint. Balance Credit is an authorized servicer for ********************** (******). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns.
Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without a specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns.
We would like to continue to work with ***** ****** regarding this matter. A member of the Resolution Team will call ***** ****** within five (5) business days from the date of this letter if she has not already received a call. We trust this information is responsive to your request.
Sincerely,
Balance Credit
Initial Complaint
Date:01/17/2025
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.
I received a loan from this company October 2020, I became delinquent due to issues during COVID and some personal issues. It was sent to collections in 2021 and I began payments but fell behind on that. Now in 2025 I received a text saying I received a 45 notice for a case in November (never received anything) I called and they first told me it was for someone else and then stated it was for me and they were going to sue me over this debt but if I paid it they wouldnt. I didnt want to get sued so I went ahead and set up a payment plan. After calming down I realized they are threatening to sue me over a debt that in the state of ************** (where i applied and got the loan) has a statute of limitations of 3 years of last payment the last payment I made on this account is 07/2021 so they wouldve had to sue me by 07/2024 and did not. I received no documentation about this debt since *************************************************************************************************************************** 2021 the balance was $2045.87 and I paid $490.99 to the debt collector and now they are saying the balance is $3300.57. I have reported them to the **** as threatening to sue for debt and their business tactics, the representative didnt even want to reveal any information about this debt or the company he was calling for just stated he was representing SunUp Financial.
Business Response
Date: 01/27/2025
Dear ******* *******,

SunUp Financial, LLC, d/b/a BalanceCredit.com (Balance Credit), is in receipt of your complaint against Balance Credit filed with the Better Business Bureau. We take consumer complaints seriously and appreciate the opportunity to address your concerns. Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without a specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns.

We would like to continue to work with you regarding this matter. A member of the Resolution Team will call you within five (5) business days from the date of this ********** may also feel free to contact our Resolution Team via email at *********************************************.
We trust this information is responsive to your request.

Sincerely,
Balance Credit
Customer Answer
Date: 01/29/2025

Complaint: 22823307

I am rejecting this response because: I received an email from balance credit to resolve my account but when I call the number I cant get in contact with who they said to contact. And when I talk to them they keep saying that my loan is sold and they cant help me

Sincerely,

******* *******
Business Response
Date: 01/30/2025
SunUp Financial, LLC, d/b/a BalanceCredit.com (Balance Credit), is in receipt of your response Balance Credit filed with the Better Business Bureau. Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without a specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns.
Our records indicate that a member of the Resolution Team has been in contact with you since this response was filed. If you have any further questions, feel free to contact our Resolution Team via email at *********************************************.
We trust this information is responsive to your request.

Sincerely,
Balance Credit
Customer Answer
Date: 01/31/2025

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:12/05/2024
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.
On 12/5/2024 I received an email from this company in reference to a loan they are saying I applied for. I responded promptly telling them that I did not apply to not process any loan. They responded saying that the email address I was emailing from is different then the one on my account (an account I do not have). I hit REPLY TO from the email they sent me, therefore they had to have me email. I called and spent 22 minutes on the phone trying to make sure they do not process a loan with my information and they continue to tell me they do not have any record of my email and that there are too many ****** ******** to locate by name. How can they harass people in this manner.
Business Response
Date: 12/11/2024
Dear ****** ******,
SunUp Financial, LLC, d/b/a BalanceCredit.com (Balance Credit), is in receipt of your complaint against Balance Credit filed with the Better Business Bureau. We take consumer complaints seriously and appreciate the opportunity to address your concerns.
Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Balance Credit from disclosing confidential consumer information to third parties without a specific, written authorization. Notwithstanding the foregoing, please note that it is Balance Credits customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns.
We would like to continue to work with you regarding this matter. A member of the Resolution Team will call you within five (5) business days from the date of this ********** may also feel free to contact our Resolution Team via email at *********************************************.
We trust this information is responsive to your request.
Sincerely,
Balance Credit

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