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Business Profile

Loans

Mercury Financial, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Loans.

Complaints

Customer Complaints Summary

  • 120 total complaints in the last 3 years.
  • 44 complaints closed in the last 12 months.

If you've experienced an issue

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:04/22/2025

    Type:Order Issues
    Status:
    Answered
    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 obligated for the debt claimed by MERCURY FINANCIAL LLC. There is no contractual agreement between me and MERCURY FINANCIAL LLC, and they have not furnished the original agreement as requested.

    Business Response

    Date: 05/01/2025

    See attached response.

  • Initial Complaint

    Date:04/11/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: FB&T/MERCURY ********** 06/01/2022 $0.00 Account #: ********** Balance: $0.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

    Business Response

    Date: 04/22/2025

    See attached response.

  • Initial Complaint

    Date:04/09/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: FB&T/MERCURY Account #: **********Balance: $0.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

    Business Response

    Date: 04/17/2025

    See attached response.

  • Initial Complaint

    Date:03/30/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    Mercury charges you interest even after you pay and close with a zero balance. I have a letter from Mercury showing my account was paid in full zero balance and closed, but yet that say I owe ****** for interest due and reported late payments to my credit.

    Business Response

    Date: 04/23/2025

    Please see attached response. 

  • Initial Complaint

    Date:03/24/2025

    Type:Billing Issues
    Status:
    Answered
    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 a victim of identity theft and the perpetrator transferred $1000 from my ***** account and deposited it into a new account in my name on January 16, 2025 without my knowledge or approval. I have not responded to emails because my email was compromised. Since then Mercury Bank closed my account and kept the ******* am requesting a return of my $1000.

    Business Response

    Date: 04/14/2025

    See attached response.

  • Initial Complaint

    Date:03/18/2025

    Type:Billing Issues
    Status:
    Answered
    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 find this account to be ********************** with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

    Business Response

    Date: 03/21/2025

    See attached response.

  • Initial Complaint

    Date:03/14/2025

    Type:Billing Issues
    Status:
    Answered
    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 hope this message finds you well. I am writing to address a concern regarding a hard inquiry on my credit report that was initiated by your company. After my credit was run, I received an email requesting that I provide a utility bill and a phone bill for verification. I submitted the requested documents, but each time I do, I receive an email back stating that you need more ************** I have not heard anything regarding whether I was approved or denied, I would like to kindly request the removal of the hard inquiry from my credit report. I appreciate your attention to this matter and look forward to your prompt response.Thank you for your assistance.

    Business Response

    Date: 04/04/2025

    See attached response.

    Customer Answer

    Date: 04/04/2025

    Complaint: 23067481

    I am rejecting this response because: I applied using my old phone number and had to get a new number and send the new number phone billl, and since you will not remove the hard inquiry Ill dispute it directly with the credit bureau, this is bad business .

    Regards,

    Jemarkus *********

  • Initial Complaint

    Date:03/07/2025

    Type:Product Issues
    Status:
    Answered
    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.
    We have a credit card through mercury. We made a payment of $182.54 on 2-23. About 4 days later they withdrew $2459.00. Which we never authorized or had the money to do that. The ** company said they would run it for that amount every 5 days. The bank is supposed to stop any transactions but is there something we can do?

    Business Response

    Date: 04/14/2025

    See attached response.

  • Initial Complaint

    Date:03/07/2025

    Type:Billing Issues
    Status:
    Resolved
    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 paid off my Mercury Card on 2/13/2025. I chose, pay current balance and paid $2916.18. On March 4, 2025, Mercury charged me $13.82 in interest. Since the $2916.18 was paid through debt consolidation, the card is no longer present. I called the customer service number, and they claim they could not find my email address or cell phone on file. I further emailed their customer service, and received an email this morning stating they could not locate my email address in their file. I am disputing the interest charges as this account is paid in full.

    Business Response

    Date: 04/03/2025

    See attached response.

    Customer Answer

    Date: 04/03/2025

    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.

    Regards,

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

  • Initial Complaint

    Date:03/05/2025

    Type:Product Issues
    Status:
    Answered
    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 earned thousands of points in rewards. Around mid December, I redeemed rewards in the form of 5 ********* cards (physical cards). I knew that it would take weeks, so I waited.I called about 4 weeks later and I was advised to wait a bit more and told they had been sent out. This past Monday, 2/3/25 I called again, the customer service *** stated she would create a ticket and that I would receive an email as confirmation. I visited the website and it said "Access Denied".Today, I called to follow up on this ticket(complaint, need for service, etc) and I was told nothing could be done meaning $50 in gift cards would not be ***laced, that it was in the fine print, and that's it. Then I asked to speak to a supervisor. I was placed on hold for 15 minutes. I was told no one was available. So I went to the website today at 8am. Again, it says "Access Denied". Now I just tried to login at 9:38am and now I have access.This is poor customer service. How can I follow up if the website doesn't work and a supervisor is not available?

    Business Response

    Date: 03/24/2025

    See attached response.

    Customer Answer

    Date: 03/25/2025

    Complaint: 22902752

    I am rejecting this response because: theres not reasoning, resolution. The other party didn't even respond and/or apologize.

    Regards,

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

    Business Response

    Date: 04/03/2025

    See attached response.

Mercury Financial, LLC is NOT a BBB Accredited Business.

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