Business Profile

Credit Cards and Plans

CardWorks Servicing LLC

Headquarters

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for CardWorks Servicing LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

69 total complaints in the last 3 years.
18 complaints closed in the last 12 months.

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Submit a Complaint

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:01/02/2023
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.
Certified Mail # **** **** **** **** **** DECEMBER 12, 2022 CARSON *****- FIELD LLC Attn: ********************************** **************************************************** Re: *************************** NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL; NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS The ******* gives you thirty (30) days to validate the alleged debt.Failure to comply with said Notice shall result in a complaint filed and submitted to the appropriate STATE & FEDERAL BANKING REGULATORY AGENCIES, and possible legal remedies in an appropriate ************* DISTRICT COURT.In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond as a result of CARSON *****- FIELD LLC., DEBT COLLECTORS debt and violations of Federal law.The ******* gives you thirty (30) days to validate the alleged debt.PURSUANT TO [FRCP RULE 17 AND FRCP RULE 34], FAILURE TO RESPOND WITHIN THIRTY (30) DAYS TO EACH NUMBERED ITEM BELOW IS ESTOPPEL. SANCTIONS MAY BE IMPOSED FOR REFUSAL TO ANSWER QUESTIONS OF DISCOVERY You are in receipt of NOTICE under the authority of [THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT]. This letter is being sent to you in response to a notice sent to me on FEBRUARY 22 2022 Be advised that this is not a refusal to pay, but a notice sent pursuant to [THE FAIR DEBT COLLECTION PRACTICES ACT], that your claim is disputed and validation is requested. This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. Validate the alleged debt. SINCE THERE IS NOT THAT MUCH SPACE TO CONTINUE TO WRITE, PLEASE SEE ATTACHMENTS TO CONTINUE READ
Business Response
Date: 01/20/2023

We are in receipt of your letter regarding the complaint (ID#********* filed by **************************
The customers account was opened with Bethpage Federal Credit Union (BFCU) and charged off due to non-payment. At charge-off, BFCU contracted ****** *********** **** to collect on the outstanding balance. As such, settlement offers were sent to the customer by mail. As requested, we have updated the account to receive no further verbal or written communication.
Please be advised that BFCU remains the owner of the account. ****** ********** is not a creditor andis not responsible for the reporting of the account to the Consumer ******************* We recommend that any credit reporting inquiries be directed to BFCU.
A letter was sent to the customer with account validation documents. We hope to have been of assistance and appreciate the opportunity to respond.

Sincerely,
****** **********
Customer Service
Customer Answer
Date: 02/02/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

I am not liable for this debt with CardWorks Servicing LLC and do not have a contract with CardWorks Servicing LLC.

They did not provide me with the original application, like I asked.

Desired settlement.

Correction to my credit report . I demand this account be deleted from my file.

*************************

Business Response
Date: 04/24/2023
***** *** **** ****** ******** ****** * **** ******* ****** *** ******* ******** *************************************** ***** *** ************ ** *****

Balance Due: $5,062.91
Current Creditor: Bethpage Federal Credit Union
Original Creditor: Bethpage Federal Credit Union

RE: ************************** Account Ending In ****
Dear ***************************,
We are in receipt of your letter regarding the complaint (ID#********* filed by *************************, as
well as a letter sent by the customer to our office.
This account is for a ********************** card that was opened with Bethpage Federal Credit Union, who remains
the owner of the account. ********************** is a third party collection agency that is currently
servicing the account.
We regret the customers dissatisfaction with our prior response to their concerns. We confirmed that
the information and documentation provided was accurate and sufficient to validate the debt.
We hope to have been of assistance and appreciate the opportunity to respond.
Sincerely,
****** **********
******** ******* ******************** ********************* *** *** ***** *********** ** ***** **** ** ** ******* ** ******* * ***** *** *********** ******** **** ** **** *** **** ******** **** ************* ** **** * **** ********** ****** ********** ** *** ******** ***** ***** *** ** ****** ********* ** *** ********* ******* **** **** **** *** ******* * ******** **** ** *** ****** ********* **** ***** ***** *** ******* **** ******** ********** ********************** ********************************************************************************* ***** ******* ************* ************* ********** ***** ** ********** **************** *** ****** ****** ** ****** *** ******** ******* ** ****** *** ******** ****** ** ****** *** ***** ****** ************** ***** ********** ***** ** ********** **************** *** ****** ****** ** ****** *** ******** ******* ** ****** *** ******** ****** ** ****** *** ***** ******* ************** ************** ********** ************************************** ****** ******* ****** ********** **** ****** ************ *** ************* ********** ************* ********** ** ********* ******* ******* ******** ******* ********** **** ******* ************ *** ** * ******** ** **** ********* ******** * ***** ******** ******* *** ** ****** ***** *** ******* **** *** ******* *** ********* ***** ** ****** **** ***** ***** ** *** *** ***** ************** ******** ******* ****** ** ****** ********* ** ****** ********** ********** ** ******* ******** *********** ********* ** ***** ******** ** ************ ********* ** ********** ********* ** ******** ************ ********* ** ****** ** ******* ********* ** ********* ********* *** ******* ******* ****** ******* ******* ******* *** ******* **** ***** ****** *** ****** ******* ** **** ***** ** ****** ****** ** *** **** ***** ***** ********* ********** **** ********** ****** ** ******** ** *** ********** ******* ***** ** *** **************************************** **** ** ** ******* ** ******* * ***** *** *********** ******** **** ** **** *** **** *******
Initial Complaint
Date:12/31/2022
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 not liable for this debt with openskycc and don't have the contract with ****** **********, LLC. They didn't provide me with the original contract application like I asked.Creditor: openskycc Address: ********************************************* Acct name: *************************** Acct # ****************
Business Response
Date: 01/18/2023
Balance Due: $602.87
Current Creditor: Capital Bank
Original Creditor: Capital Bank
RE: **************************** L Account Ending In ****
We are in receipt of your letter regarding the complaint (ID# ********* filed with your office by ****************************

This account was opened using an electronic application and a security deposit submitted with a debit card in the customers name. This account was initiated electronically. As such, the application does not include a handwritten signature. In accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature, contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation. This OpenSky secured credit card is a product of Capital Bank.
Subsequently, the account was used for purchases. Due to non-payment, the account was closed, and the security deposit was applied to the balance. The account charged off due to no-payment, and was placed with ****** ********** for servicing. We have no record of a prior request for validation of the account and/or a copy of the application. As requested in the complaint, we sent a response to the customer with validation documents.
Please note that ****** ********** is a third party collection agency contracted by the creditor to collect on the balance. ****** ********** is not a creditor and is not responsible for the reporting of the account to the Consumer ******************* Should the customer wish to discuss the reporting of their account, we recommend contacting OpenSky/Capital Bank directly.

Sincerely,

****** **********
Customer Service
Customer Answer
Date: 01/18/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

If it was electronically, then there should be some type of document in their system stating my name, date, time and signature. If there's no proof showing that this debt is mine or any substantial agreement? Then this here is just a conjecture.
Sincerely,

***************************
Initial Complaint
Date:12/11/2022
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.
In October and November I entered into payments my minimum payment plus added a extra payment. I have been charged two 27 dollar late fees.Have tried calling waiting on hold for 20 minutes only to have the call dropped. As you can see i have had perfect payment history until then. Something has gone wrong with the submit and I want both fees reversed.
Customer Answer
Date: 12/14/2022
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 and the matter has been resolved.

Thanks as always for your help. I was finally able to speak with a human at ************. Even though wasn't resolved completely I will just let it go.
Thank you
*******************************************
Initial Complaint
Date:11/17/2022
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.
****************************** ************************************************** **** 10:15:1993 ******* randomly closed my account even though I had a $0 balance and they refuse to send me my deposit of $200 back. This is pure theft. Please investigate them.
Business Response
Date: 12/13/2022
BBB Complaint ID # ********

Our records indicate that the customers account was recently upgraded from a **** card to a MasterCard, and a new card was mailed to them. As a result of this upgrade, the customers **** card was deactivated. As the MasterCard was never activated, the account was subsequently closed. A refund check for the customers full security deposit was issued and cashed.

We also received a complaint regarding this issue filed through the Better Business Bureau of ****, and a response was provided to the customer addressing their complaint.
Initial Complaint
Date:10/16/2022
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 am not liable for this debt with ****** *********** *** and I do not have a contract with convergent. They did not provide me with the original application as requested.
Business Response
Date: 11/01/2022
******* **** ******** ******* ********* ** ***** ****** ************* ***** * ******** ********* ******************* *** ********** ******** * ******* ****** ** ****
Dear ***************************,

We are in receipt of your correspondence dated October 17, 2022, regarding the complaint (#********) filed with your office by ********************************

The account was opened with ******************* using an electronic application. Subsequently, the account was used for purchases and payments were applied to the balance. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust I became the owner of the account, and the account was placed with ****** ********** for servicing.
****** ********** is a third party collection agency contracted by the creditor to collect on the balance. ****** ********** is not a creditor and is not responsible for the reporting of your account to the Consumer ******************* We recommend that any credit reporting inquiries be directed to CW Nexus Credit ************* Trust I.

Please be advised that we have no record of any previous requests for the application, as indicated in the complaint. In response to the complaint, a letter was sent to the customer with account validation documents.

Thank you for the opportunity to respond.
Sincerely,

****** **********
Customer Service

****** ********** *** ********************* *** ***** *********** ** *****
Initial Complaint
Date:10/05/2022
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.
Cardworks is fraudulently trying to keep money that should have been me refunded to me in the amount of $3,079, which is the credit balance of an account with them. Instead of receiving a refund pursuant to 12 CFR *******, Cardworks has been trying to extort and coerce me to pay them what they owe by reporting negative information that is false about me to non affiliated third parties without my consent. A credit balance over $1 must be refunded. I never owed money to Cardworks! To be on the same page, a positive credit balance is the responsibility of the credit issuer to refund the consumer. A negative credit balance is the responsibility of the consumer to pay a debt to the credit issuer. Cardworks never loaned me credit. I extended credit with my social security card to Cardworks. Cardworks fraudulently double-dipped asking for payments on money they never actually loaned out and now causing damage to my livelihood. In addition, Cardworks is reporting the account was written off. Per the **** it is income and you cannot report income as as debt. However, I never received a ****-C form regarding this and will request it directly from the **** I demand what is owed to me, which is the $3,079. I am also demanding this fraudulent account to be corrected or deleted. Overall, a creditor cannot report incorrect or inaccurate information. It is a violation as well.
Business Response
Date: 10/19/2022
Our records indicate that the account was opened with ******************* via an electronic application. Subsequently, the account was used for purchases and payments were applied to the balance. This is a credit card account and payments were required by the due date each month to keep the account current. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust I became the owner of the account. Please be advised that CardWorks Servicing, LLC is not a creditor.
The account has an outstanding balance and has not been settled. As such, no credit balance refund is due to the customer, and the account does not qualify for a ****-C form.

We received Automated Consumer Dispute Verification (ACDVs) forms filed through the Consumer ****************** (CRAs) claiming identity theft and disputing the reporting of the account. In each instance, the account was reviewed. Based on the results of our investigation, the identity theft claims were denied, and responses were provided directly to the CRAs confirming that the account is reporting accurately.
Please note that a charge-off does not denote a forgiveness of the debt, nor does it prevent the account from reporting to the CRAs. The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts, we will not change the reporting of the account to the consumer reporting agencies
Customer Answer
Date: 10/21/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

Cardworks chose to assume the risk and bought the alleged debt from ******************* for pennies on the dollar that I didn't owe what they fraudulently sold to you so don't try to come to me as if I now owe you any amount of money because I don't owe you either. Congress has a doctrine called ASSUMPTION OF RISKS explaining that a collection company knowingly and willingly buy bad debt from people with bad money habits putting themselves at risk of not making any money off of a consumer.

Our records indicate that the account was opened with ******************* via an electronic application. Subsequently, the account was used for purchases and payments were applied to the balance. This is a credit card account and payments were required by the due date each month to keep the account current.
To be on the same page, I never owed a debt and will not allow you to bully me into thinking that I do. I know the consumer protection laws and the violations incurred. The cardmember agreement does not mention evidence of debt. It only shows an agreement to pay monthly. ******************* was supposed to provide adequate notice, which is a printed notice to a cardholder and it was required to clear and conspicuously.

The account has an outstanding balance and has not been settled. As such, no credit balance refund is due to the customer, and the account does not qualify for a ****-C form.

The cardmember agreement is a violation, null and void. I did not benefit from this agreement. Im the only one, the agreement was operating against. There is no evidence by agreement. There is no debt, just an agreement to pay something. The agreement is whatever I agreed to. No evidence of a debt. Therefore, a contract is not a validation of debt!

******************* actually owes me the credit balance for this fraudulent account pursuant. ******************* violated my right to privacy by sharing information with Cardworks about me to a third party, without my consent.

At charge-off, CW Nexus Credit ************* Trust I became the owner of the account. Please be advised that CardWorks Servicing, LLC is not a creditor. The account has an outstanding balance and has not been settled.

I extended credit to ******************* and I am the original creditor. Debt comes from credit, not the other way around. It is indebted to me. Therefore, the positive balance of $3,079 was owed to me by *******************! The outstanding balance must be refunded to me. I can only agree that this money owed to me must be settled! Since you are now the owner of the account, it is your responsibility!

Of course, there is no ****-C because there is no loss of income. ******************* never generated the money to actually loan out and cannot prove otherwise.
A negative balance indicates a debt.
A positive balance indicates money to be credited or refunded to the consumer.

In addition, I have NEVER heard from Cardworks about this alleged debt to challenge it and the law states within 5 days, the consumer must be notified. Cardworks is required to contact the consumer and give them an opportunity to dispute or request verification. Consumer reporting is voluntary and not required by federal law. You must receive written consent from the consumer.
The law states that reporting late payments or any type of experience with the consumer is illegal and a violation. If you are not the creditor, this account is NEW. How are you reporting a payment history and Ive never received any mail or communication from you? You have account with me opened in 2016? Where is your agreement documentation? You are a collection agency being deceptive and reporting as such. This BBB complaint is the FIRST TIME, Ive gotten communication. I have mailed a certified letter last month and stated the violations you have incurred and cannot provide documentation to validate this and I never received a response.
These fraudulent practices and attempts to collect a debt that is not owed must stop! I have a documented trail of evidence to prove my claim.

*****************************
Initial Complaint
Date:09/22/2022
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 have been requesting a payoff letter be faxed to me by 9/16/22, they will not send it and it is impossible to speak with anyone in the correspondence department. This is time sensitive and they refuse to resolve it nor will they escalate it it above a supervisor.
Business Response
Date: 10/28/2022
***************************
BBB Case ID ** *****************************
Dear Sir or Madam,
We are responding to the complaint from our ****** personal loan customer, ****************************

In order to comply with the *********************** - ****** Act (GLBA), *** **, has contacted the consumer directly. We have addressed their complaint and a letter was mailed to the customer today.

Our bank has requested that *************************** contact the Better Business Bureau directly, in response to our resolution. Please contact us as soon as you may hear from the consumer, or, within 30 days of receipt of this letter to update us on your records.

Sincerely,

*** **
Customer Service
Initial Complaint
Date:09/20/2022
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.
On Dec 19th 2021 I was checking my email & going down the list. I ended up on a scam email, I put my phone down & it glitches. The screen auto filled the credit card information with a random credit card. I had 8 cards saved with auto fill so the fact it happened with this card is completely random. The email itself said it was payment for $5 shipping & handling. Within 2 mins of seeing this actually went thru I called Ollo & told them to stop the payment! The woman I spoke to said " there's nothing I can do until the payment posts in 10 days". I told her I was worried about the scam & wanted to make sure there would be no more charges & to make sure it didn't happen. She assured me it wouldn't. 10 days later I called & found out my card had been charged the $5 it said on the email, an additional $85 the same day, , then on Christmas eve, the 24th, for an additional $180!! So when I spoke to someone again & said I didn't want the card to be able to be run again the lady tried to convince me to leave it on. I was more angry & firm this time when I said to shut it off. Then she said they would take the charges off. The next month I got a bill for over $250 so I called again. This time the fraud **** said they would investigate & clear the charges. I got the same bill & called again. They appealed the results & investigated again. I got a bill for the same charges. I kept calling, every time being told they would clear the charges but every time I called I was telling the person the story like they had no record of it at all. I asked to speak to suporvisors. I called 17 times & was on the phone for hours & every single time I was told the charges would be taken off & they never were. I was blatantly lied to so many times. And other credit cards have a way to stop charges right on your phone, or my discover card sends me a text to approve any charges. They have none of that. I honestly feel like I did all I could to prevent this & no matter what I did nothing helped
Business Response
Date: 09/26/2022
Dear Sirs:
We are in receipt of your letter received September 21, 2022, regarding the above referenced individual. Our response was sent directly to ******************************* on September 26, 2022, with a disclosure consent form. Upon receipt of the disclosure consent form from ******************************* we will forward a copy of the response to your office.
Please do not hesitate to contact us if you have additional questions or concerns.
Initial Complaint
Date:09/20/2022
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.
My monthly payment to Ollo Card Services is due on the 27th of each month. The payments are madrelecttonically by *************** who I jave verified that Ollo Card Services did receive my payment on the 27th of each month, however, ***************** has chosen to post the payment afer the due date, making me late o my payment which is not correct. I consider this as a deliberate action to collect a $40.00 Late fee. ********** Card Services to remove all late fees and any other fees. I have contacted Ollo Card Services and they will notchange their policy.
Business Response
Date: 09/26/2022
Dear Sirs:

We are in receipt of your letter received September 21, 2022, regarding the above referenced individual. Our response was sent directly to ********************************* on September 27, 2022, with a disclosure consent form. Upon receipt of the disclosure consent form from ********************************* we will forward a copy of the response to your office.
Please dont hesitate to contact us if you have additional questions or concerns.
Customer Answer
Date: 09/26/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

The Company has not sent me a ****** form and hey sent me a letter 2 weeks a go saying jey are looking int o yhe mmatter. I am sennding you atachments regarding this colplaint.

Business Response
Date: 10/03/2022
Re: Better Business Bureau Case# ********: *********************************
Dear Sirs:
We are in receipt of your letter received September 21, 2022, regarding the above referenced individual. Our response was sent directly to ********************************* on September 27, 2022, with a disclosure consent form. Upon receipt of the disclosure consent form from ********************************* we will forward a copy of the response to your office.
Please dont hesitate to contact us if you have additional questions or concerns.
Customer Answer
Date: 10/03/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved.

Because the Company still insists that they did not receive July's paymnent until the 31st from the **************** however, the payment was sent and deducted from my checking account on Juky 27th, 2022. *********** has recived every one of my paymnets on the 27th, except one, and how is that possible. I reject their response because they can do this same thing again and I will have to go through BBB again. Somebody in the Company is dropping the ball.

*********************************
Initial Complaint
Date:08/08/2022
Type:Billing Issues
Status:
UnansweredMore 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.
My account with ****** *** Loans was bought by SMB | FA Consumer in 5/2021 and since then, I have made several payments larger than the monthly contracted installment to pay off my balance faster. However, the online statements and the actual statement balances do not match as the online statements consistently reflect a higher balance than the actual statements. I have taken into account the daily interest but the amounts are still off. They do not charge a fee for prepayments either. I have been voicing this concern for a little over the last 6 months and have requested several times for a complete audit to be done on my account but I still have not received an answer or any updates. The account is nearing payoff so I fear that no one is taking my concerns seriously for this reason. They are overcharging me and I am stuck in an automatic payment plan directly from my account therefore, I am not able to terminate payments. A supervisor by the employee number of JF2 has assisted me with this complaint twice and even confirmed that the balances don't match yet, I have not received any updates, audit, or proof of the correct balance yet. Other employees have also confirmed that they see the discrepancies as well. Just to give an example, The paper statement balance for statement date of 7/6/2022 shows the balance of $1,165.48 and the online statement shows $1,168.36. Another example, statement dated 6/6/22 reflects $1,507.15 but the online balance shows $1,510.87. One person tried to argue that it's not including the interest. The interest reported on the statements for 7/6/22 is $17. 73 and for 6/6/22 is $22.65. They also tried to say that the daily interest is not included. In evaluating both options, the monthly interest or daily interest being added still amounts to a higher balance than what the statements are reporting. As I go back further on my statements, the difference in balances are much greater due to principal balance shrinking in the recent months.
Customer Answer
Date: 09/01/2022
Better Business Bureau:

At this time, I have not been contacted by CardWorks Servicing LLC regarding complaint ID ********.

Sincerely,

*******************************

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CardWorks Servicing LLC

CardWorks Servicing LLC

Card Works Servicing

CardWorks Servicing LLC

Card Works Servicing

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CardWorks Servicing LLC is NOT a BBB Accredited Business.

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CardWorks Servicing LLC is NOT a BBB Accredited Business.