Complaints

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:04/25/2025

  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 was a victim of Identity Theft in May 2024, and the suspect opened credit with Credit Ninja, for the amount of $660.89. I have filed multiple police reports and filed an *** Identity Theft Affidavit. I've submitted this paperwork to all parties, and most have closed the account and cleared from my credit reports. The one exception has been Credit Ninja. I have gone back and forth with Credit Ninja and they want a more detailed Police report that my police department. My police has denied opening a new report for each creditor in question, they're were more then 10. As you can imagine, they do no have resources to support these types of requests. I have requested Credit Ninja to provide evidence of the fraudulent accounts, i.e. the ** that was provided, other information used to provide security of account and they have not. I am helpless in this situation and Credit Ninja is attacking me/constantly harassing me for fraudulent activity that they have done absolutely zero investigation to disprove. 

  

  Business Response

  Date: 04/28/2025

  Please see CreditNinja's complaint response attached.

  Customer Answer

  Date: 04/29/2025

   
  Complaint: 23252003
  
  I am rejecting this response because: this is not something my local police department can provide at this time. Again today, on 4/29/2025, I visited the my local police department, ********************** on ************* at ***************************************************************************************  This is the third time I have requested them to create a new case explicitly listing Credit Ninja. I provided the original affidavit attached and they declined to open a new case number.  They informed me they would update me if any new findings on the case.  Please contact them directly if you further questions.  
  
  Sincerely,
  
  ****** Chop

  

  Business Response

  Date: 05/01/2025

  Please see CreditNinja's Response attached.

  Customer Answer

  Date: 05/02/2025

   
  Complaint: 23252003
  
  I am rejecting this response because: as stated yet again, the ********************** is unwilling to invest further. On May 2nd, I received notice from your company that you have sold my account to ************************  This further complicates the matter.  
  
  Sincerely,
  
  ****** Chop

• Initial Complaint

  Date:04/24/2025

  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.

  Received an email today, 04/24/2025 from CreditNinja stating that I have applied for funds on one of their partner sites. I HAVE NOT completed any applications on this date. There is a soft credit inquiry on my credit report.I did not provide any written consent for Credit Ninja to perform a credit check.

  

  Business Response

  Date: 04/28/2025

  Please see CreditNinja's response attached.

  Customer Answer

  Date: 04/29/2025

   
  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:04/21/2025

  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.

  This company has really bad practices. They take advantage of the weak. They kept sending me multiple emails offering me a loan. They conditionally approved me. Then, they deny without giving a reason in their email. Its shady and should be illegal.

  

  Business Response

  Date: 04/23/2025

  Please see CreditNinja's response attached.

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23234013
  
  I am rejecting this response because:
  
  this is a generic answer and very formulated. They did not provide a resolution and I still believe that they are a scam. They have my information now, which isconcerning to say the least. They have unbelievably bad business practices and I believe they should be reprimanded. 
  
  Sincerely,
  
  ****** *****

  

  Business Response

  Date: 04/24/2025

  Please see CreditNinja's response attached. 

  Customer Answer

  Date: 04/25/2025

   
  Complaint: 23234013
  
  I am rejecting this response because: their conditionally approved nonsense is just that, nonsense. They get people's hopes up and then pull the rug out from under them. I read the online reviews, and I am glad I didn't take out a loan with them, as the reviews were very bad. Again, they prey on the weak and disadvantaged. They offer things "conditionally," which seems like a lie and false advertising. I do not accept their response and believe that they should be shut down. Just go read the reviews online. A dangerous company to deal with.
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:04/18/2025

  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.

  On April 17, 2025 I applied for a loan through Credit Ninja and was denied. upon logging in to reapply (as I was suggested via email) I found they still were retaining certain data I felt was not necessary. My Social security number, my banking information, and my driver's license number. I understand entities sell data. But you only need skeletal information to do this. Name Date of birth and address. You do not need the above mentioned data. (Bank Social Security, Driver's license#)

  

  Business Response

  Date: 04/21/2025

  Please see CreditNinja's response attached.

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23221425
  
  I am rejecting this response because:

  The ENTITY is not outlining that they need to keep ALL of my submitted data. They need to clarify that my

  Social Security Number 

  Driver's License 

  Bank Information 

  is what NEEDS to be retained. **** in kind what BBB received is the same AUTO GENERATED response i received.
  
  Sincerely,
  
  **** ********

  

  Business Response

  Date: 04/22/2025

  Please see CreditNinja's response attached. 

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23221425
  
  I am rejecting this response because:

  The ENTITY is

  1) Properly idrntifying themselves regarding who iscactually sending the response. I.E. Manager/ Persons name

  2) The PERSON/:ENTITY  still refuses to identity/ clarify what they deem as NECESSAY DATA  to be retained.

  This shows that this is computer generated andbit not addressing my issue individually. 

  i want them to state that they are abiding by Federal law by keeping my 

  1) ************************************************************** Information 

  they DO NOT need these for statiscal purposes.  I work with data retention. The only necessary data we retain is

  NAME DATE OF BIRTH ADDRESS.

  I feel this DATA is on one algorithmic platform and cannot be extracted out separately. If this the case then do me the ciurtesy and delete everything.  I had this experience before and company obliged and deleted my data. No i do accoet this response. I will soon contact an attorneyif this cannot be resolved in an amicable manner on this platform. 

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

  

  Business Response

  Date: 04/28/2025

  Please see CreditNinja's response attached. 

  Customer Answer

  Date: 04/29/2025

   
  Complaint: 23221425
  
  I am rejecting this response because:

  The "company" is still not providing me with a copy of an law that states they have a right to RETAIN. They only "updated" a prior response sent to me to include they had the right to OBTAIN not RETAIN my data. Please provide me a copy of the law that states you have the right to retain my Social Security number banking information and driver's id. You no longer need to retain it. I have business with you. And never will. I've never received proper correspondence from you. Not even here. Letters are not signed by anyone just generically signed by said business.  Seems like a smokescreen. Just delete my data please. 

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

• Initial Complaint

  Date:04/15/2025

  Type:Order 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.

  **** a 500$ loan out with this company and it has a 200% interest rate. They want me to pay over 1000$ for it to be paid in full. Their 200% interest violates ******** usury laws making this loan illegal. It is against the law for them to not follow the usury law. There are already a couple lawsuits against this company for breaking state laws and giving out illegal loans.

  

  Business Response

  Date: 04/30/2025

  Please see CreditNinja's response attached.

• Initial Complaint

  Date:03/01/2025

  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 am requesting this company named Credit ninja to send me a debt validation that does not belong to me and the removal of a fraudulent account coming from them on my credit report, This account does not belong to me , I was not given a consumer agreement nor any legal contract from them. I have no Knowledge of this account names ********************** acct #********* and is reporting a owed balance of $2573, please help me removing this account credit coming from this company named credit ninja that is not mine.

  

  Business Response

  Date: 03/03/2025

  Please see CreditNinja's response attached.

• Initial Complaint

  Date:03/01/2025

  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 recently took out a small loan from CreditNinja for $300. Upon funding, I was charged an outrageous Credit Access Business (***) fee of $435.00which is more than the loan itselfplus interest of $12.74.The most deceptive part of this loan is that the *** fee is treated as principal, meaning even if I were to pay off the loan early, the fee remains fully intact. This practice traps borrowers into repaying significantly more than they borrowed and makes early repayment financially pointless.CreditNinja presents itself as a transparent lender, but these terms are clearly designed to exploit financially vulnerable consumers. Their standard response to complaints simply states that customers have the opportunity to review terms before signing, but that does not excuse their predatory lending practices.I am filing this complaint to request the following:1.A review of CreditNinjas lending practices to determine if they comply with fair lending standards.2.A refund or adjustment of the excessive *** fee, as it disproportionately increases the cost of borrowing.3.A formal response from CreditNinja addressing why they structure loans this way and how they justify charging fees higher than the loan amount.This kind of lending practice preys on those in financial need, and I believe the BBB should take action to warn other consumers.Desired Outcome:A fair resolution, such as a fee adjustment or partial refund.A BBB investigation into CreditNinjas lending practices.A public record of this complaint so future borrowers can be informed.Thank you for your time and consideration.

  

  Business Response

  Date: 03/03/2025

  Please see CreditNinja's response attached.

• Initial Complaint

  Date:02/18/2025

  Type:Customer Service 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 applied for a loan and saw the interest fees and sent an email after being approved to cancel my application and DO NOT send funds! I sent 4 emails and this business sent the funds and Im trying to contact them and they are giving me a runaround! I wanted the funds sent back to the company! This is a horrible company!

  

  Business Response

  Date: 02/19/2025

  Please see CreditNinja's response attached. 

• Initial Complaint

  Date:02/18/2025

  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.

  CreditNinja is a predatory lending company that charges extremely high and very much so illegal interest rates. They try to advertise themselves as an installment loan lender while forcing payments to be made biweekly and their business model should just be called what it is - payday loans. The interest rates for Ohio are strict and it is illegal to charge more than 8% for an installment loan and more than 28% for a payday loan. They know this because it is also clearly stated on their website full of articles that they post to appear as trustworthy and knowledgeable. Regardless, I was charged an almost 200% interest rate. I have paid more than double the amount of the $2100 loan that was offered to me - $4493.58 is what Ive paid to be exact. While paying this absurd amount, I struggled financially and faced numerous burdens that were impossible to overcome. CreditNinja has sold the debt to a collections agency and claims I still owe $1600. That would mean they claim I should have paid them $6093.58 on a $2100 payday loan. This is entirely illegal, predatory and I am fully prepared to take any next steps I need to if this account is not removed from my credit report immediately. As a mother who was already struggling just like many others, I am not really sure how **** ******** (CEO) is able to justify this scandal. There are lawsuits pending against this company and if that doesnt speak volumes for the thousands who were taken advantage of Im not sure what will. I am demanding this be removed from my credit report and a refund be issued to me for the overage I paid in illegal percentage rates - the refund would total $4365.58 if we are being technical and looking at how CreditNinja operates by stating this is an installment loan which is capped at 8% for OHIO.

  

  Business Response

  Date: 02/19/2025

  Please see CreditNinja's response attached. 

  Customer Answer

  Date: 02/20/2025

   
  Complaint: 22954896
  
  I am rejecting this poorly executed response because the bank Credit Ninja is referencing is used as a decoy to scheme and scam customers who are in fact protected by interest rate cap laws within the state they reside. Credit Ninja owns, manages, collects profits, transacts upon and furnishes loans in ********. Other banks located in **** are only named when a customer is a victim of these high interest rates in states that do not allow 198+% interest rates because there are no restrictions in ****. This does not remedy the fact that customers who do not reside in **** are protected by such laws which are being disregarded by Credit Ninjas predatory practices. *** does not manage, collect profits, transact upon, nor own any of Credit Ninjas furnished loans - if they did, Credit Ninja would be operating under the bank FEB. Credit Ninja is responsible for a resolution that is acceptable to my terms due to the unjust lending terms they are illegally operating by. 
  
  Sincerely,
  
  ******* ******

  

  Business Response

  Date: 02/21/2025

  Please see CreditNinja's response attached. 

• Initial Complaint

  Date:02/15/2025

  Type:Order 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 a formal complaint against CreditNinja regarding an unfair and excessive loan repayment demand. I took out a loan for $1,000 from CreditNinja, expecting to repay it in reasonable installments. However, they are now claiming that I owe a total of $2,403, which is more than double the original loan amount. This is an outrageous and predatory practice. Furthermore, CreditNinja has threatened legal action if I do not respond within ten days. I find this tactic to be coercive and an attempt to intimidate me into paying an unreasonable amount. I am willing to repay the principal amount of $1,000 in fair and reasonable payments, but I refuse to be subjected to excessive fees and interest that were not clearly disclosed or agreed upon in a transparent manner. I believe CreditNinja is engaging in predatory lending practices that take advantage of consumers.I request the following resolution:A clear and reasonable repayment plan based solely on the original loan amount.Removal of excessive interest and fees that have inflated the balance unfairly.A thorough review of CreditNinjas lending practices by the BBB to prevent similar situations for other consumers. I expect a prompt resolution to this issue. If necessary, I am prepared to escalate my complaint to state regulators and other consumer protection agencies. Thank you for your attention to this matter. I look forward to your prompt response.  

  

  Business Response

  Date: 02/19/2025

  Please see CreditNinja's response attached.

  Customer Answer

  Date: 02/20/2025

   
  Complaint: 22946291
  
  I am rejecting this response because:
  

  I don't live in *****. I live in ********. Those fees are not allowed here. Let me know if you're willing to accept the $1000 in payment and we can work something out. 

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

  

  Business Response

  Date: 02/26/2025

  Please see CreditNinja's attached response. 

  Customer Answer

  Date: 02/26/2025

   
  Complaint: 22946291
  
  I am rejecting this response because: I do not reside in ***** and haven't lived there in years. If for some reason it has a Texas address then its an error on your end that probably autofilled my information of when I used to live there. I'm only willing to pay what I owe. I will not call and waste my time if nothing is going to be resolved. 
  
  Sincerely,
  
  ***** *****