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:03/30/2024

  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.

  This company has placed a collection on my credit report, and I've never done any business with this company. you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC **** section 602 and 15 USC **** Section 604 A Section 2, which mandates written consent for such actions.Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred.

  

  Business Response

  Date: 04/01/2024

  Please see the attachment 

  Customer Answer

  Date: 04/01/2024

   
  Complaint: 21507784
  
  I am rejecting this response because: This account shows added in February 2024.  This is a fraudulent account and a fraudulent company.
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 04/02/2024

  Please see the attachments for the original loan agreement, dated for 11/09/2020.
  

• Initial Complaint

  Date:03/14/2024

  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.

  Is CreditNinja authorized to provide payday loan in ******* for an apr of 189%? I was not aware that this APR is even illegal in the ***********.

  

  Business Response

  Date: 03/18/2024

  Please see attachment

• Initial Complaint

  Date:03/08/2024

  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 completed signing loan documents and then the next screen stated " this ninja is busy meditating, pleas hit the home button or go back to where you were" I went back to the home page and now it says my app is pending and has a clickable that says finish app. When I click that it does nothing.

  

  Business Response

  Date: 03/13/2024

  Please see the attachment

• Initial Complaint

  Date:03/01/2024

  Type:Sales and Advertising 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.

  Sold personal information to fraudulent "loan" companies, creating continued harassment and attempts phishing scam by 3rd parties.

  

  Business Response

  Date: 03/06/2024

  Please see the attachment. 

  Customer Answer

  Date: 03/06/2024

   
  Complaint: 21373655
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***

  Customer Answer

  Date: 03/06/2024

  Understanding the terms agreed upon and with the acknowledgement of said terms, the issue at hand is to the failure of the company to properly protect my sensitive and secure information allowing for compromised identity and potential breached personal data. Continued "loan" scams brought forth by the companies failure to provide proper screening. 

  

  Business Response

  Date: 03/07/2024

  Thank you for reaching out. We value your feedback and appreciate you sharing your experience. Feedback such as yours helps us improve our products and services. If you would like to discuss this matter in further detail, please email us at *********************************

  Customer Answer

  Date: 03/11/2024

   
  Complaint: 21373655
  
  I am rejecting this response because:
  Did as directed and emailed the legal department, due to no response and fear that the attempt was to distract dispute until 7 day was reached and dispute claim would be voided.
  Sincerely,
  
  ***

  

  Business Response

  Date: 03/13/2024

  We appreciate your feedback and value your opinion. Your feedback helps us enhance our products and services. We apologize for any communication from any third-party companies. You can always opt-out of their marketing communication. CreditNinja has opted you out of our marketing communications and applied a Do Not Contact status to your account as requested no further communication from CreditNinja. However, we do keep an internal record in our system. Please refer to our privacy policy on our website to learn more about how we share your personal information.

• Initial Complaint

  Date:02/29/2024

  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.

  Credit ninja has given my social security number and date of birth to people who are not me. They did not ask any security question for my account to be confirmed to the caller.Instead, they gave my birthdate and last 4 digits of my social security number to the caller and asked them to confirm.

  

  Business Response

  Date: 03/01/2024

  Please see the attachment 

• Initial Complaint

  Date:02/14/2024

  Type:Customer Service 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 writing to address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC **** section 602 and 15 USC **** Section 604 A Section 2, which mandates written consent for such actions.Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred.Please rectify this matter promptly. My account number is ******

  

  Business Response

  Date: 02/16/2024

  Please see the attachment.

• Initial Complaint

  Date:01/25/2024

  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.

  January 2023 Credit Ninja opened an online loan account and provided funds to a cybercriminal that stole my personal identity and used a digital signature. I knew nothing about this personal loan until it showed up on my credit report in collections. I have disputed the loan with Credit Ninja and the debt collection company. I provided a police report, a FTC ID theft report and an Affidavit of Forgery. The company claims the debt is valid because someone made a couple payments on the loan then stopped paying. They payments were not made by me or from my financial institution. I have requested proof and documentation of where the funds were deposited, where these alleged payments came from and documentation on how they verified my identity to approve the loan, with no response from the company. This company has done nothing to resolve the situation. I am not paying for loan that was fraudulently opened in my name without my authorization or consent. This is the perfect example of a cyber scam, and this company harasses victims of ID theft, financial exploitation and the elderly. No loan should ever be authorized without a written signature. The loan was even approved while there was a fraud alert on my credit reports. Someone within the company is probably involved with the scam.

  

  Business Response

  Date: 02/07/2024

  Please see the attachment 

  Customer Answer

  Date: 02/07/2024

   
  Complaint: 21201711
  
  I am rejecting this response because:
  I already sent Credit Ninja an Affidavit of Forgery with my original dispute but I will send them one again. The company has continued to state that it is a valid loan because someone made payments on the loan but no banking account information has been provided to me as to where the loan funds were deposited or banking information on where/how these payments were made. I only have one bank account and can prove that I never received any funds or made payments to Credit Ninja. No social security or date of birth have been provided. Phone numbers that are associated with the account do not belong to me and are invalid when you call them. There verification of debt that I originally received contained only a street name with no house number making it an invalid address. 
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 02/16/2024

  Tell us why here...Dear *******************************,
  
  We have received your Identity Theft Affidavit with supporting documentation, and have concluded our internal investigation relating to Loan ID *******. This letter summarizes the final outcome of our investigation:
  Verified: We have concluded that the creation of the above-referenced loan was the result of identity theft/fraud.
  Accordingly, please be advised that:
  A permanent Verified ID Theft flag will remain on the account.
  You are not responsible for the debt incurred by the fraudster, and you do not owe a balance.
  If the loan had been sold, we will notify the debt purchaser of our findings and the account will be promptly closed.
  We have notified our partnering credit bureau, Clarity, of our findings and will instruct Clarity to remove any prior reporting related to this loan. To follow up on this, or to request the removal of the credit inquiry related to this loan, you may contact Clarity directly:
  Mail: *********************** PO Box 16, ****** ** 75013
  Phone: **************
  Fax: **************
  E-mail: *****************************
  
  
  Thank you for alerting us and assisting in our investigation. Additionally, we urge you to take precaution in protecting your personal information and credit file in the future. You may wish to consider placing a security freeze and fraud alert on your credit file, if you have not done so already, with each of the major credit bureaus; these are two ways you can better protect access to your credit file.
  For any additional questions, please reach out to us at ********************************** and refer to this notice.
  Sincerely,
  CreditNinja

  Customer Answer

  Date: 02/19/2024

   
  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:01/17/2024

  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.

  Ninja is reporting seven inquiries on my check systems report that are not authorized by me. The address listed on these inquiries does not match any address Ive lived at nor have I ever had an account with this company. These inquiries are preventing me from opening up a checking account and thats negatively impacting my life, Ive disputed these with check systems but theyre saying theyre accurate which they are not. I need Credit ninja to contact check systems and have those removed ASAP.

  

  Business Response

  Date: 01/18/2024

  Please see the attachment 

  Customer Answer

  Date: 01/18/2024

   
  Complaint: 21157124
  
  I am rejecting this response because: I have already contacted clarity services. Postal Service, email and and through complaints with the Better Business Bureau and consumer, financial protection agency, Ive got zero response from clarity services I feel completely ignored and at this point Im being ran around in circles and my concerns are not being addressed.
  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 01/19/2024

  Please see the attachment

• Initial Complaint

  Date:12/31/2023

  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 took out a $2000 loan with this group - to date I've paid back $2300 and they want an additional $2000. They were pulling Funds out of my bank acct every 2 weeks like a payday lender. They advertise they are a loan company not a payday lender. If I knew up front they were a payday lender I never would have borrowed from them as payday lenders are not legal in ****************.

  

  Business Response

  Date: 01/17/2024

  Please see the attachments 

  Customer Answer

  Date: 01/18/2024

   
  Complaint: 21078713
  
  I am rejecting this response because: they are a payday lender trying to operate as a loan originator. They are only licensed in **** - not in the state if Washington.  **************** does not allow payday lenders to **************** residents. If I had known they were a payday lender pulling funds every pay period I would have NEVER dealt with them.  They are misrepresenting themselves.
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 01/19/2024

  Please see the attachment.

  Customer Answer

  Date: 01/25/2024

   
  Complaint: 21078713
  
  I am rejecting this response because:

  They are not authorized to do business in the *******************.  They are a payday lender.  They hit your bank acct on every payday and pull funds. An installment loan pulls funds once a month. They are dancing around the law.
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 02/09/2024

  We sincerely apologize for any frustration caused. The loan terms, payment frequency, and a detailed list of all future payment dates are provided for review prior to loan acceptance. If you are experiencing financial hardship, we are able to provide assistance. Our customer service team is also able to modify your payment schedule if needed; please contact us at ********************************** or **************.

  Customer Answer

  Date: 02/12/2024

   
  Complaint: 21078713
  
  I am rejecting this response because:  this business is not an authorized lender in ********** state to offer loans to ********** state residents according to the **************** Auditors office.

  Also, i spoke with a representative on 1/10/2023 and requested them to mail all contracts info to me - to date I still have not received.  I was also informed that my contract was sold to another lender who is also not authorized to provide these type of payday loans in ****************.

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

• Initial Complaint

  Date:10/23/2023

  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.

  Credit Ninja Sold my Information to a third party without my knowledge and placed it on my credit. The company that has been reaching out to me is *************** and I recently filed a complaint on that company as well. 15 U.S. Code **** and 15 U.S. Code **** states that is against the law. By law this must be removed from my credit report before further actions are taken.

  

  Business Response

  Date: 11/02/2023

  Please the attachment

  Customer Answer

  Date: 11/02/2023

   
  Complaint: 20772661
  
  I am rejecting this response because:  My credit report reads that Credit Ninja sold my information to *************** LLC now they are saying that it was sold to another company that is a violation of my rights and should be removed from my credit report immediately.
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 11/03/2023

  Please see the attachment