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Business Profile

Loans

Mercury Financial, LLC

This business is NOT BBB Accredited.

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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:03/04/2025

    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 filing this complaint because my credit report contains accounts that I do not recognize, including FB&T/MERCURY - ************** - $0.00**. I take my financial security seriously, and the fact that unverified accounts are being reported under my name is completely unacceptable. These inaccuracies are damaging my credit standing and creating unnecessary obstacles, and I refuse to let them go unchallenged. Despite my repeated efforts to obtain verification, I have yet to receive any legitimate proof that these accounts belong to me. This blatant lack of transparency is unacceptable and a direct violation of my rights.Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I demand copies of all records used to verify these accounts. A generic response stating they have been "verified" will not be accepted. I require real, verifiable proof such as original account applications, signed agreements, or transaction records. If no such documentation exists, these accounts must be removed immediately under Section 611(a)(5)(A)(i) of the ****, which mandates the deletion of unverifiable information from consumer credit reports.I expect a full investigation, a detailed response, and immediate corrective action. I will not tolerate delays, excuses, or vague responses. These errors have already caused unnecessary harm, and I will not allow them to continue affecting my financial stability. Failure to comply will not go unnoticed.

    Business Response

    Date: 04/04/2025

    See attached response.

  • Initial Complaint

    Date:02/27/2025

    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.
    ***** W. ****** ********************************* 2/26/25 Spirit Dispute Resolution ******************************* I received your letter dated 1/16/25 regarding two disputed transactions. I read through your findings, of which you are stating the transactions were made by me. I most vehemently disagree with you.These two transactions were made at two different CVS stores- in two different locations ( which by the way are hours away from each other and definitely not in my vicinity). I dont know how fraudulent transactions often are made, but I can 100 % guarantee that these transactions were not made by me. I know that I have even now heard of people doing fraud and actually recreating a credit card itself.Your decision is not factual, and to that matter I request proof of these transactions ( photos should be included from the stores video surveillance.Unless you can provide proof that these transactions were made by me, I want the two charges and interest refunded back to my account immediately.Sincerely,***** W. ****** ****************** ************

    Business Response

    Date: 04/03/2025

    See attached response.

    Customer Answer

    Date: 04/03/2025

    Complaint: 22998867

    I am rejecting this response because:
    I have not received any credits back to my account, as the resolution letter from the company stated that I would. The amount of $221.31 needs to be credited back to my account. Please advise. 
    Regards,

    ***** ******

    Business Response

    Date: 04/07/2025

    See attached response.

    Customer Answer

    Date: 04/07/2025

    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:12/30/2024

    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 disputing the charge made by ****** for $522.51 as fraud. There is absolutely no documentation for that number. Its fraud because I dont recognize that amount at all and I never agreed to any amount. I have provided documentation that the amount is $0. I further spoke with ****** and they assured me that there was no charge. I have reached out to you SEVERAL times with no resolution. I demand the $522.51 be returned to my card and my account be closed immediately.

    Business Response

    Date: 01/29/2025

    See attached response.

  • Initial Complaint

    Date:12/18/2024

    Type:Customer Service 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.
    FB&T/Mercury is listed on my credit report opened May 17, 2021. It shows a few payments made on time then the next few years the payments made late each month. I had several accounts opened around this same time fraudulently that I had my name removed from since they were able to prove I did not open them. This company refuses to do anything. They obviously have an address where the person that lives opened this loan or other information such as a the bank where the money was sent and none if it will match any of my information since I never received any money from them nor made a payment on a loan I did not open. They need to remove my name from this account. This is fraud.

    Business Response

    Date: 01/14/2025

    See attached response.

    Customer Answer

    Date: 01/14/2025

    Complaint: 22703710

    I am rejecting this response because: the address is incorrect, the phone number is incorrect, the account us not, nor was ever mine. The company has refused to investigate. When I call they say they will mail letters. I have received nothing. I had several things opened fraudulently in my name that have been proven were not mine. 

    Regards,

    ****** ****

    Business Response

    Date: 01/17/2025

    Please see attached documents. 

  • Initial Complaint

    Date:12/10/2024

    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.
    May 8th i received a settlement from mercury credit card it was 80% screenshot can be provided. I accepted the payment may 28th i finished paying it June 28th. July my credit took a hit bc the stated I didn't pay I've told them I've paid it off before it was due they told me they have never heard of a settlement being this high I explained I got the email and could prove it. They than seen the 80% settlement and notified me it would be corrected. August. September. October. November. Once again I've reached out explained the situation they said it would be worked on. Now that it's been 6 months with my credit taking a hit and me calling. Today I called again to see what was going on because the whole time the payment has been sitting in pending for over 4 months and they still have yet to fix it so I asked to speak to another supervisor the man i spoke with notified me he has worked on my case 5+ times and can see why we are frustrated he also notified me that ***** ***** keeps denying my case without looking over it. He stated that she said why is this back on my desk and denied it. I don't know where else to go to get help. Please help me.

    Business Response

    Date: 12/20/2024

    See attached response.

  • Initial Complaint

    Date:12/09/2024

    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 credit card charge me interest after I pay the full balance $727 4 day's later they charge me $18 interest over my $0 balance Another words my balance was $0 when they charge me $18 interest rate I called credit card customer service they told me our contract shows that I don't believe is fair it's clearly said full balance I told customer service if you want to charge me interest you should add that my balance I paid all together Not after I paid So they didn't want to credit me the $18 I ll still pay it But not fair Again interest rate I know I ll pay and until that day they charge me interest rate and I paid All I 'm saying they shouldn't ad after balance fully paid Not fair

    Business Response

    Date: 01/03/2025

    See attached response.

  • Initial Complaint

    Date:11/27/2024

    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've paid off my account with ******************** LLC, and I need Mercury to update my credit reports with Experian, Equifax, and *********** immediately, out of cycle/band. I am attempting to purchase a house and secure financing, partially related to Hurricane ****** damaging my property in *******, **. I would greatly appreciate it if Mercury could update the balance and status of my account on my ********************** reports. Thank you.

  • Initial Complaint

    Date:11/18/2024

    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.
    Account is closed and they are trying to make me pay $52

    Business Response

    Date: 11/26/2024

    See attached response.

    Customer Answer

    Date: 12/11/2024

    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.

    Regards,

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

  • Initial Complaint

    Date:11/15/2024

    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.
    Dear *********** am filing a formal complaint regarding a fraudulent account on my ********************** report. The account is from FB&T/********************, opened on 04/24/2022, with account number **********. I did not open or authorize this account, and I am a victim of identity theft.I have reported this incident to ***************** and the ************************ (***). Attached are copies of my identity theft report from ***************** and the relevant portion of my credit report showing this fraudulent account.I kindly request that the BBB investigate this matter and assist in ensuring that this fraudulent account is removed from my credit report.Thank you for your attention to this matter.

    Business Response

    Date: 11/27/2024

    See attached response.

  • Initial Complaint

    Date:11/14/2024

    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.
    last december mercury froze my account with $52,848.68 in it and decided to keep the money as opposed to returning it to me or my clients to which they have completly ripped off... my only explanation of why was that there was some violation of their terms of service.... not sure which one or why... but its been about 9 months since they said they would be returning it after a 60 day hold and ive not got a dime back

    Business Response

    Date: 11/20/2024

    See attached response.

Mercury Financial, LLC is NOT a BBB Accredited Business.

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