Complaints
Customer Complaints Summary
- 7 total complaints in the last 3 years.
- 1 complaint closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:04/17/2025
Type: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.
Date of transaction in question is April 4, 2025. Contract was signed on March 1, 2025.Transaction amount was $90 that they deducted which was supposed to be a portion of an auto loan payment and instead, are holding as part of a $400 enrollment fee that we did not agree to or have any knowledge of. Their contract does not stipulate how and when they will take these payments toward their enrollment fee and nobody can give me an explanation. I repeatedly talked with a customer service person, and have asked to speak to a manager, which they will not transfer me to and I have been waiting days for a return call from a manager. The business has not tried to resolve this stating it is past the 30 day REMOVEDand they cant do anything.There has been no advertising of any kind on this issue.
Business Response
Date: 04/28/2025
Good afternoon,
The customer service representative you spoke with on 4/14/25 provided a copy of the enrollment form you signed to be enrolled in our service and to pay the enrollment fee of $399.00. We are not charging you the full $399.00 we are only charging what we have already collected which is $90.16. I have spoken with the supervisor in charge of refunds and they have agreed to refund you $90.16 even though there was no wrongdoing on our end. Please contact our office at REMOVEDto confirm your bank account details for refund purposes.
Customer Answer
Date: 05/03/2025
Better Business Bureau:
I have reviewed the business' response regarding complaint ID REMOVEDand am satisfied with this resolution. They have issued the credit as they indicated.
Sincerely,
REMOVEDInitial Complaint
Date:10/15/2024
Type: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.
Equity4u missed my auto payments!! that was your only job!! please work it out!Business Response
Date: 10/16/2024
Equity 4 U sent a payment to your lender on 9/6/24 in the amount of $391.48 and the check cleared on 9/19/24. We contacted you via email on 8/16/24 requesting your loan account number so it could be listed on the payment and did not hear back from you. It sounds as though the lender has misapplied the payment due to not having the account number listed. The October payment was sent on 10/4/24 for the same amount and has not cleared yet. I don't show record that we were contacted by you in regards to this prior to your complaint so we did not have the opportunity to provide this information and provide you with a resolution. Please contact our offices at REMOVEDor email us at REMOVEDto provide the account number and verify the lender. We will also provide you with proof of payment for the September payment and proof of delivery for the October payment.Initial Complaint
Date:09/17/2024
Type: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.
Equity-4-U are supposed to make my vehicle payment for me. I did not request this service , it came with signing up for the auto loan. They debited me 3 times for REMOVEDand have not made any of my vehicle payments and now I'm late.Business Response
Date: 09/19/2024
Good afternoon,
We have provided proof to you in the form of payment tracking number, check number and amount that showed we sent your payment timely and it was delivered to your lender timely. As discussed in email correspondence with you on 9/19 we do not have control of how quickly the lender applies the payment. We believe this issue was resolved via email as you decided to stay in our service.
Initial Complaint
Date:07/11/2024
Type: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 didnt sign up for this REMOVEDkeep trying to take money from my checking accountBusiness Response
Date: 07/17/2024
Good morning,
We received your enrollment into our bi-weekly debit service for your 2021 REMOVEDCorolla from Jerry's REMOVEDwhen you purchased your vehicle and were debiting according to the dates on the signed authorization form. We sent you a welcome email on 6/24/24 which had the details of your account with REMOVED. Your account has since been cancelled with Equity 4 U due to unsuccessful debits. We will send you a copy of the signed form we received for your records. If you have questions please feel free to contact our offices at REMOVED.
Initial Complaint
Date:12/26/2023
Type: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.
Our car loan is paid off and they keep taking payments no money has been put back in our accounts and so far 2 over payments have been taken out !Business Response
Date: 12/27/2023
Equity 4 U has not received notification from the customer that the loan was paid off. The customer needs to contact our customer service at REMOVEDor email REMOVEDto verify account ownership (typically last four of SS#) to stop debit activity. Once deleted we will be happy to return all funds in escrow.
Thanks,
REMOVED
.
Initial Complaint
Date:09/05/2023
Type: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.
Equity4u has failed to make 2 months of my auto payments. A payment was missed back in April and August 2023 for a payment of $402 each month (total $802 for 2 months). I have my car payments on auto pay but have now received notification from my credit report that I was impacted 60 points for 2 missed payments that equity4u failed to make. I tried calling them and leaving a voice-mail and have not heard anything back. I'm now accuring interest on my auto payment due to equity4u negligence and mistakes. They should be making the payments to REMOVEDand are failing to do so but are quick to take the money out of my bank account.Business Response
Date: 09/06/2023
There have been no missed payments as Equity 4 U has made payments every month and every check has cleared. Unfortunately it seems as the lender has misapplied a payment. Had we been contacted we could have easily resolved this issue and provided proof of payment to the lender for the month they are stating was missed and in turn the lender will have to correct their negative credit reporting. We would suggest you contact our office at REMOVEDto speak with a customer service representative and resolve the issue.Initial Complaint
Date:06/02/2023
Type: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.
June 2nd 2023, Equity4u charged my account after I requested a cancellation. They said they couldn’t cancel the first payment.
I called my bank and they had no charges pending which means they charged after I requested a cancellation.
I never agreed for third party financing. They claim they have a form that I signed. But I don’t have a copy of it.Business Response
Date: 06/07/2023
We were contacted on 6/1/23 via email with a request to stop a debit transaction that was in process for 6/2/23. All debits go into process the business day prior and this is why it is stated on the Equity 4 U contract that we require a 3 business day notice prior to a debit in order to stop it. Customer was informed that the transaction was already in process and could not be stopped on our end but that we would cancel his account on 6/8/23 and refund the funds on 6/9/23 as is our process. Customer emailed again on 6/2/23 asking why the debit transaction occurred and stating that his bank was going to charge it back. He was informed by customer service that as stated in the email on 6/1/23 the debit could not be stopped on our end. He then requested copy of the contract he signed with Equity 4 U as he stated it was a scam. We provided that copy to him via email on 6/5/23 and no further communications were received.Customer Answer
Date: 06/07/2023
Complaint: REMOVED
I am rejecting this response because:
They sent the document after I posted my complaint. I am not lying. See time in attached screenshot.
Sincerely,
REMOVEDBusiness Response
Date: 06/08/2023
We were contacted on 6/1/23 via email with a request to stop a debit
transaction that was in process for 6/2/23. All debits go into process
the business day prior and this is why it is stated on the Equity 4 U
contract that we require a 3 business day notice prior to a debit in
order to stop it. Customer was informed that the transaction was already
in process and could not be stopped on our end but that we would cancel
his account on 6/8/23 and refund the funds on 6/9/23 as is our process.
Customer emailed again on 6/2/23 asking why the debit transaction
occurred and stating that his bank was going to charge it back. He was
informed by customer service that as stated in the email on 6/1/23 the
debit could not be stopped on our end. He then requested copy of the
contract he signed with Equity 4 U as he stated it was a scam. We
provided that copy to him via email on 6/5/23 and no further
communications were received. The copy of enrollment was received by the customer and that was the reason for his complaint.
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