Business Profile
Loans
BalanceCredit.comHeadquarters
Reviews
This profile includes reviews for BalanceCredit.com's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 26 Customer Reviews
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Review fromErica Happyladystl M
Date: 03/03/2025
1 starThe company is not professional. They don't have IT support you can talk to either. They will charge in daily even if you want to pay your loan off in full. Please check your banks or credit unions to see what your withdrawal out on your debit card amount. Mine is only $300 on my debit card. You would think they could go through your ACH (route number). No they can't do that until the next day.Review fromVictoria M.
Date: 02/19/2025
1 starNo stars as this business has put me in a financial crisis and I am beyond upset by the interest of the loan!!!! I was in dire straits and before I could cancel it I realized that I had made a horrible mistake and now my financial situation is worse off than before.Review fromDeAnna A
Date: 02/17/2025
1 starIt's sad when you call and ask about an alleged loan that they've sold recently. A lady m named **** left a very inappropriate message on my VM. I have deposited this as I do not recall anything about this and Balance Credit says they can't tell me what amount was loaned to me. It sounds very fishy and inappropriate. As I told the man who answered I recorded the call just as they do and have a terminal illness. I've never received anything on the mail from them. I AM DISPUTING THIS SUPPOSED LOAN. I HAVE ZERO RECOLLECTION ABOUT THIS. AND WHEN I CALLED THEM WAS TOLD THEY COULDN'T TELL ME ANYTHING. UMM FISHY SOUNDING. Unapologetically sorry.Review fromHilton A
Date: 12/23/2024
1 starA scam, and predatory to boot. Exorbitant payment fees for a loan that should have been simple payments back. Have made several payments that also caused my bank account to be closed. Won't pay another cent.Review fromTrevi B
Date: 10/28/2024
1 starTrevi B
Date: 10/28/2024
****************** doing business as: Rise Credit Services/SunUp Financial/Capital Community/Utah Chartered Bank/Elevate Credit/Elastic Credit/Financial Wise Bank, etc - this is the short list of DBA's related to Balance Credit that I was able to prepare with my limited knowledge of Predatory lending practices. This was my first experience of deceptive or unethical means to convince me to accept a loan. They knowingly took advantage of the vulnerable financial predicament we were in and in one ST loan of $2,500 have ruined our credit score that we went to them to repair.
BalanceCredit.com
Date: 11/05/2024
Balance Credit is in receipt of the consumers review. Balance Credit is an authorized servicer 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 review, 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 Trevi ***** regarding this matter. A member of the Resolution Team will call Trevi ***** 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 CreditReview fromYolonda T
Date: 10/08/2024
1 starYolonda T
Date: 10/08/2024
Don't do business with them. They lie about the interest rate. They say it's 24% & once you get the loan it goes up to 224% interest rate once you are approved for the loan. 3 days after I was approved someone went into my account and charged almost $800 to a company I've never even heard of. My bank locked my *********** had to dispute all 7 charges. It had to be a inside job.BalanceCredit.com
Date: 10/18/2024
Balance Credit is in receipt of the consumer’s review. Balance Credit is an authorized servicer of Capital Community Bank (“CCBank”). CCBank is a Utah state-chartered bank with the FDIC 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 review, 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 Credit’s 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 Yolonda Thomas regarding this matter. A member of the Resolution Team will call Yolonda Thomas 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 CreditReview fromIvonne M
Date: 09/18/2024
1 starIvonne M
Date: 09/18/2024
DO NOT TO BUSINESS WITH Balance Credit. I was in an emergency situation and needed $3000. They gave me the loan and I thought I would have been able to pay them *** earlier. They placed the loan on my credit report. That $3000 loan turned out to be $7000 and would have been even more if I had went to full term of the agreement but I managed to pay off earlier. I didn't want my credit to be messed up so I paid it. I spoke to the resolution team that did nothing to help me! Just told me the interest would keep adding up. They are predatory lenders and I don't understand why no one regulates the amount of interest they charge. Hard working people that just fall behind and need funds - they take advantage of. Please beware and do hot fall into their trap.BalanceCredit.com
Date: 09/25/2024
****** ******* ********************************************* ********************* RE: Better Business Bureau Review Balance Credit is in receipt of the consumers complaint. Balance Credit is an authorized servicer for CC Connect, 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 review, 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 CreditReview fromDana O
Date: 09/18/2024
1 starI took out a loan with balance credit while I was waiting for my social security check to come in as I am disabled. Tried paying off multiple times but kept getting hung up on. Made a settlement offer to me tried to get me to keep my cc info on file I declined to me my info on file and they continue to hang up.. this company does not follow the ***** GUIDELINES and is in violation of the collection laws. These ppl are scam artist who are in a call center in ****. They don't care about American laws or Americans in general. I have made a formal complaint with the attorney general for fraudulent activity.Review fromGladys L
Date: 07/30/2024
1 starGladys L
Date: 07/30/2024
Do NOT apply with this ridiculous company never got the funding but kept me on loop that my application was in the last stages of verification process for a week but was told my payment was not due till two weeks I said for what I withdrew my application so hopefully I don't get any money withdrawn from my account.BalanceCredit.com
Date: 08/06/2024
August 6, 2024Gladys **** ***************************************** ************************** ************** RE: Better Business Bureau Review Dear *************************:We are in receipt of the review that you filed with the Better Business Bureau on 7/30/2024 . Please be aware the [Loan Product] is originated and funded by ********************** (CCBank), a Utah state-chartered bank with the ************************************* (FDIC) as our primary federal banking regulator. Consequently, CCBank is governed by both federal banking laws and the laws of the State of Utah. We appreciate the opportunity to respond to your concerns. [Partner] is contracted to provide certain services on behalf of CCBank.We are sorry to hear that you are not happy with your experience at CCBank. We strive to exceed our customers' expectations and we regret that you were not satisfied. Due to financial privacy rules, we are unable to discuss the specific circumstances of your experience in a public forum. Please consider sharing the details of your experience in an email to ************************** We work hard to deliver quality products, services, and experiences to our customers and would love the opportunity to help resolve your concerns. We appreciate you being a customer and hope that we can make improvements, so your next experience meets your expectations.We trust this information is responsive to your request.Sincerely,********************* Balance Credit Senior Compliance ManagerReview fromVeronica R
Date: 05/23/2024
1 starVeronica R
Date: 05/23/2024
Balance Credit scams you out of hard earned money Balance Credit was quick to give me a $900 Loan, @ 24% interest July 2023, as of May 2024 I have paid $1742.40 on a $900 Loan! They still want 7 more months of $174.24, and I'm on Disability! I needed to fix my car to get to Dr ************* this extra $174.24 is taking away from my Property Taxes??I applied over phone, quoted 24% interest, found out later they changed it to 224%.If you want to get robbed and stolen from, Balance Credit will gladly do that!Date of experience: May 22, 2024BalanceCredit.com
Date: 06/10/2024
Dear *************************, SunUp Financial, LLC (d/b/a Balance Credit) is in receipt of your review. Please contact our Resolution Team back at ************ Monday-Friday 8 a.m. to 5 p.m. CT. and ask for *****. Sincerely, Balance CreditBalanceCredit.com
Date: 06/10/2024
Dear *************************, SunUp Financial, LLC (d/b/a Balance Credit) is in receipt of your review. Please contact our Resolution Team back at ************ Monday-Friday 8 a.m. to 5 p.m. CT. and ask for *****. Sincerely, Balance Credit
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