Customer ReviewsforNC Financial Solutions, LLC

Ridiculous that they charge a statement fee every month. After it's paid offi will never use this company again. The payback is running my finances dry and I've fallen behind on bills paying them back.

BEWARE: Predatory Lender. There have been all kinds of complaints filed against them in a multitude of states. Do NOT borrow money from this company!

This place is terrible. No matter how desperate for cash you are, avoid this place completely. This place is the definition of a predatory lender. They should be shut down for their business practices. It was a mistake to open an account with these people. I had some issues and missed a few payments here and there. Then they charge over 200 for a statement fee when you miss a payment. So if your payment is 300, then a statement fee at 200, now you are 500, these are round numbers not exact. Oh, and that statement is issued every two weeks. Since I was late, I have been making regular payments for roughly four months. 2 payments a month, still had the late balance. Today, get an email saying because I haven't made a payment on the past due balance that the entire balance of the loan is due today, somehow that is legal. I was making payments probably the second month, they randomly decided to take out one of the previous missed payments, 2 days before the regular payment came out of my account. I called into the customer service line and was told there is nothing I can do stop them from taking any "missed" payments out of my account at any time of their choosing, how is that legal? So one month they got over 900 dollars out of me. I wish they would go out of business or get shut down, I understand I took out the line of credit, but their business practices have to be borderline illegal.

This has been the worse experience Ive had with a loan. The bank representative completely scammed me with false rates and payments. My credit has been severely impacted. Would not recommend.

This company is a complete ripoff. Every payment that I make is pointless, all the money goes to my interest. This is unacceptable and they claim to be BBB accredited.

Fast approval but Predatory. Buyer BEWARE and pay off ASAP.

A payment was deducted from my account on 3/29/24 and then another payment on 4/1/24 and it was not even due. I cannot Get any help from the company after numerous emails since opening the account.

We all have our stresses in life, and we all make mistakes at times. Net Credit alone with many others are not for the consumer, they are for themselves. They thought when they tried to bully me because, I was looking at rates of other companies. You know sometimes we do not need to be reminded of our own situations, like we are a piece of trash. A few companies need to be put in their place, I have absolutely no problem in calling them out. Net Credit needs to reevaluate how they make their money. If it wasn't for the consumer. All financial institutions would parish. so for all of you and you know who you are. Start treating your clients with respect, and don't bite the hand that feeds you!!!!

In January of 2023 Net Credit reported my account as passed due. There was a payment in December that was missed as I was having issues with my bank which was communicated to them however, I continued having automatic payments paid to Net Credit after the passed due balance. Net Credit did not apply the automatic payment to the passed due balance. I called to complain and was advised that automatic payments do not go towards a passed due balance (does not make any sense). The complaint was escalated multiple times finally to a manager in which she would resolve the issue and advised that the updated would show that the account was not passed due and it would reflect on my credit report. I followed up with Net Credit in which another manager advised that they cannot update my credit report because my account was in fact passed due. I inquired in regards to retrieving a breakdown of all dates and payments made to Net Credit and they did not want to provide me the information and just told me go online. I have documentation showing that the payments were in fact taken out of my account and should have been applied to the based due balance and I feel they late payment needs to be removed from my credit report. The BBB advised "this firm is not a BBB Accredited Business, it is not obligated to respond and resolve consumer complaints with us and it means that our attempts at conciliation have been exhausted and you may wish to contact an attorney or your local or state office of consumer affairs to pursue the matter further." Unfortunately my issue still yet to be resolved let alone communicated with the lack of communication in which I may have to pursue legal action.

Company very unresponsive and does not listen to issues. I was checking my eligibility, and it said that I already had an account, but it would not show me that email address they allegedly had on file for me, just first letter and asterisks. It would not let me proceed on checking eligibility, just said log in with the email we have on file. I did not recognize that email address from the very limited info they showed me on it, and I have no memory of doing business with them. I emailed customer service saying this and asking if they had a procedure for recovering a login when you do not have access to that email they have on file. I didn't even know what the complete email address was. Most businesses have some sort of account recovery procedure. This set off the most annoying chain of replies clearly proving that nobody had read my email. The reply was a very obvious form letter saying, you have emailed us from a different address than we have on file; please email from the address we have on file. I would reply, point out that I could not email from an address I didn't know, and ask what their account recovery procedures were. Here would come the same form letter again. Back and forth, obviously no one reading my emails. I finally put in the last reply, at the top and bolded, please pass this along to a supervisor. I then once again asked for their account recovery procedures. Once again, I received the same form letter, please email us from the email address on file. I am convinced that this company does not actually read emails or respond to customer concerns. I was perfectly willing to go through any verification and recovery procedure with them, just was saying that I needed to know what said procedure was. At this point, I would never do business with this company, as I am not convinced that customer service listens to concerns at all. If you want to be able to get someone to respond when you have an issue, look elsewhere.