Complaintsfor360 Credit Consulting

• Initial Complaint

  11/07/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My husband and I started as clients for 360 Credit in the beginning of this year. They charged us a start up fee of approx. $100 each. and a regular monthly fee of $109 within approx 10 days. ( each). We have now spent approx $1500 in total and have Not seen any results! I have tried cancelling 3 different times, and each time I was promised I was going to see results if I were to hang in there a little longer. And that I was too close To the finish line to give up now. I was told that if I cancel now, I would have wasted all the money I had already spent. After 3 months of this I insisted on cancelling in September. They have continued to harass me, and this morning they debited $218 out of my checking account. Then had a guy call me to ask if I wanted to discuss canceling! This is a risky company. I wish I had Not gotten involved with them! This company is a complete scam! I do Not recommend them. And I am requesting they refund the $218 they took from me today without my authorization. ( 2 months after my cancellation)

  Business response

  11/22/2022

  Hello *****************,  
  
  I would like to begin by apologizing if you did not have a positive experience with 360 Credit Consulting. As a small business we do suffer greatly when our clients are not entirely satisfied.  
  
  As this is a public response I do not want to go into great detail regarding the status of your file, however what I can tell you is that while you were with us in the program your credit score did increase. Our team advised you and educated you and that is the service that we provide is credit education as well.  
  
  As a small business we cannot do work if we are not getting paid to do so, if you do not make your payments then we cannot be expected to do work on your file.  
  
  My team would be happy to discuss your file further with you as we have been trying to reach out to make things right with you.  
  
  I do hope you take a moment to give us a call so we can straighten everything out.  
  
  I thank you for the feedback as it gives us an opportunity to better ourselves and our program!  
  
  Thank you,  
  
  Your 360 Credit Team 
  

• Initial Complaint

  10/03/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  After speaking to several people at 360 Credit on a referral from our mortgage officer we decided to heed the advice and use their services. They charged us $119 each up front, which I now understand is illegal. 360 Credit has yet to provide any proof that they are working on our credit after repeated phone calls and emails. They have now debited our account $952. I emailed and called on 9-30-22 at **** MST to cancel my billing. I received no response after leaving a message. I sent an email at the same time as well. No response. Today, 10-2-22 my account was debited $238. This company has very poor practices.

  Business response

  10/18/2022

  Good Evening ****************,
  
      I am sorry we missed you. We tried reach out via phone and email. Unfortunately your line would not allow us to leave a message, And no response to our emails to set up a time to address your concerns.  You had requested to close your file out on the 8th of September. Per our policy one of our SR ****** reached out to go over a final file review.  That chat resulted in your wanting to continue the program. A new plan of action and task list was set to you via email along with conformation of continuing. Despite the new plan of action and wanting to move froward you did call back and still want to close the file our later that evening.  We did accommodate your request and close the file out. Sending you a cancellation conformation via email stating that your last billing would be assessed on 10/2/2022 for 9/2/2022 work. Per you signed retainer agreement (attached) you are aware we do bill in arrears.  Your file is now closed out in good standing. Please feel free to contact us with any additional questions.
  
  
  Thank you,
  360 Credit Consulting Team.

• Initial Complaint

  09/27/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Hired this Company to assist with 2 issues they specifically stated they'd help with. Yet never did and only made it worse. I sent MANY emails I will attach with NO response, no assistance, yet they kept charging. I've requested to cancel my account for 2 months now yet still no response and still charging me. They only call once you request to cancel but still never answered any of my questions or did anything they said they would. They keep charging me for nothing! They are scammers. I will attach my many unanswered emails and requests to cancel. Horrible company that takes advantage of people. Additionally following attempting to cancel tried to Take credit for what i did for my credit and informed them I had chosen to do on our first call. They werw hired to assist w 2 specific questiosn/concerns and never assisted with them as promised then refused to cancel.

  Customer response

  09/28/2022

  Better Business Bureau:
  
  
  I have heard from upper management at 360 consulting and they adequately resolved the issue.
  
  
  Regards,
  
  ***********************

• Initial Complaint

  04/10/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I cancelled my services with credit 360 in January of 22 as they had not actually done anything to help my credit report. They have been trying to charge me $50 a month for the past 4 months after I canceled. I have been in contact through emails and phone calls about the cancellation and these charges since January. They have successfully charged me twice once in January and once in February since the original cancelation. They refuse to accept my cancellation and continue to charge me. They claim that someone spoke to me and I never canceled. Which the only time I spoke to someone was to cancel and spoke to them numerous times about this cancelation and to stop charging me.

  Business response

  05/05/2022

  ******** only approved payments on 12/15/2021, 1/17, 2022 and 2/16/2022.
  Refund the 2/16 payment.  
  

  
  

  Customer response

  05/05/2022

  Complaint: ********
  
  
  I am rejecting this response because: the information is wrong. I only allowed December and January, January being the final **** pay. I did not approve of February as the company says in it's last response. I will accept their response when I am refunded the amount for February.
  
  
  Regards,
  
  
  *******************************

  Business response

  05/18/2022

  BBB Regarding Complaint #********
  
  To whom this may concern, 
  
  Regarding your response. I wanted to elaborate the billing in February was for Januarys work and was the last payment received for both files. We did do more work per your husbands request, but waived that last billing for both files, due to your unhappiness. We then went a step further and refunded the payments made in February.  I have included your signed retainer agreements that states we **** in arears and outlines our terms and conditions. Please understand we reached out to resolve your concerns before responding to this compliant to ensure we followed all guidelines and requests. I apologize that call did not resolve the issue.  Both files were closed out and there will be no further contact from us moving forward. 
  

  
  

  Customer response

  05/19/2022

  Better Business Bureau:
  The only reason I am excepting is because you refunded February's payment. You are still telling BS lies! In the future you should not be talking to anyone or taking direction from anyone other then the name on the account i.e me or your next victim for that matter! And I never asked for "work" to be done in ******* I asked for a cancellation so the payment you received in ******* should have been the final payment.Thanks for a horrible experience and my money back. We are DONE!!!!!!!!!!!!
  
  
  Regards,
  
  
  *******************************

• Initial Complaint

  04/04/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company assured me they would fix my credit, 14 months working with them I was on a plan of paying $100 a month but nothing was done for my credit. No service was rendered for the money I paid them. I keep trying to cancel my account with them they continue to try and withdraw money from my account I had to call my bank and block their transactions. They also keep telling me I need to pay a cancel fee which is sketchy. They basically will not let me go. I received an email today thanking me for a phone call I never made to continue my account with them. I would like at least a partial refund for the money I paid and the work they never did on my account.

  Business response

  04/22/2022

  Hi *******,
   We sincerely apologize for these circumstances and miscommunication on our end. After reviewing your file, it looks like our team noted to refund your payment for 3/29 since your final payment did indeed approve in February. When we went to request the refund our accounting department made us aware that a dispute had already been issued with your bank and they had already refunded the money to your bank account. We can verify the payment on 3/29 in the amount of ***** was refunded to the card on file. I have sent you a receipt via email for your records and can also confirm your file has indeed been closed out. We tried to reach out to resolve the situation on 3/30 4/5 4/21 and 4/22. unfortunately I was unable to reach you to resolve your billing concerns. If you have any questions, please give us a call and again we greatly apologize for any inconvenience this may have caused.
  
  Sincerely,
   The 360 Team

• Initial Complaint

  03/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I closed mine and my husbands account with 360 Credit Consulting and they are still trying to pull money from my account. I have sent emails, called and to no avail. I have asked them repeatedly to stop trying to take money from my account on an account that is currently closed. They refuse to listen. I would like for them to stop doing this and to leave us alone and to stop trying to take money from my account.

  Business response

  04/22/2022

  Hi *******,

  
   We sincerely apologize for these circumstances and miscommunication on our end. After reviewing your file, it looks like our team noted to refund your payment for 3/29 since your final payment did indeed approve in February. When we went to request the refund our accounting department made us aware that a dispute had already been issued with your bank and they had already refunded the money to your bank account. We can verify the payment on 3/29 in the amount of ***** was refunded to the card on file. I have sent you a receipt via email for your records and can also confirm your file has indeed been closed out. We tried to reach out to resolve the situation on 3/30 4/5 4/21 and 4/22. unfortunately I was unable to reach you to resolve your billing concerns. If you have any questions, please give us a call and again we greatly apologize for any inconvenience this may have caused.
  
  Sincerely,
   The 360 Team
  
  

  Customer response

  04/25/2022

  Complaint: 16945006
  
  I am rejecting this response because:My bank sent the payment to you anyway and the payment has not been refunded to me for February. Please speak with *********************** for more information regarding the payment info and payment issue.
  
  Regards,
  
  ***************************

  Business response

  04/29/2022

  Hi *******,

  Corrected response
  

   

  Hi *******,
  
  We are very sorry for the circumstances that led to your 1st review. And we thank you for taking the time to leave a 2nd positive review.  Misunderstanding happens from time to time.  We also wanted to thank you for allowing us the opportunity to educate and advise you on how to optimize your credit. Its wonderful to hear that the guidance we have given sets the path for you and your family to accomplish your dream of financing. It takes a team, you and us, to achieve your goal. And like we always say, Teamwork Makes the dream work. I cant wait to see a picture of your new home and the result of all your hard work.

  
  Best regards,
  The 360 Team
  
  

• Initial Complaint

  01/27/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Ive been a customer with ********************** since last summer and for months now Ive been trying to cancel my reoccurring membership. Ive emailed back and forth with one person who told me I had to call in but whenever I call I have to leave a voicemail and I NEVER get a call back. I think this place is a scam and theyve been taking over $100 from me monthly even though Ive done everything but BEG them to stop charging me. Im coming to BBB in hopes of actually getting through to someone.

  Business response

  01/31/2022

  Hello ***** and ******,
  
  Thank you for reaching out and we value you as a customer and your feedback. It does appear there has been a miscommunication on our end and we apologize greatly. We searched our records and do see you requested to cancel your husbands file with us on 12/23/2021. We were closed that day for the holiday, and we should have gotten back to you when we were back in office on Monday 12/27. We will be refunding the last payment on your account that approved on 1/23/2022 to the card on file. Since we do **** in arrears and you cancelled on 12/23/2021, your final payment approved on 12/23/2021. You should be receiving a separate confirmation email here with in the next 24 hours from our team. We truly apologize for any inconvenience this may have caused you and appreciate your understanding in this matter.
  
  Please give us a call at ************ if you have any further questions on this file. We do want you to know we appreciate you and thank you for being a client of 360 Credit Consulting.
  
  Sincerely,

  
  360 Credit Consulting

• Initial Complaint

  10/13/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This company claims to charge only for services rendered however charged me the day the service started and then a month after I cancelled. Argued with me when I tried to cancel- and when I asked for proof of services rendered refused to show anything. I tried to contact them for 15 days in a row and was ignored. They did not respond to communication until I threatened to dispute with my bank. Rep would call from a blocked number after the business was closed so when I called back I got an answering machine. This company is a complete scam. Paid several months and nothing was done.

  Business response

  10/13/2021

  Hello ******,

  We are sorry to hear about your frustrations regarding yourcommunication with our company and we hope you find our response pleasing. ************ is we have seen great results on your file in just under 60 days.Upon starting the program, your score was at a 611 and upon completing theprogram your final score was a 64*. The following accounts were removed fromyour file: ******************: balance $98*, *************************************** $0 balance charge offand 5 late payments, **** OF ********** * 90 day late pays, **** OF *********** 90 day late pays, **** OF ********** * 90 day late pays, **** OF ********** *90 day late pays.
  

  
  Upon hearing about your frustrations, we tried to contactyou by phone. After being notified your preferred communication was by email,we also tried to communicate with you by phone and email with minimal responses from you. We have refunded youthe final payment to the card on file as a courtesy, although you did agree toour terms and conditions on our retainer agreement, which has been attached foryour records. This refund will take 5-7 days to process to your file, so pleasegive us a call at ************.
  
  We hope you find this response satisfactorily.

   

  Sincerely,

   

  The 360 Credit Consulting Team

   

  The 360 Credit Consulting Team

  Customer response

  10/15/2021

  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

  10/13/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I signed up with this company 2 months ago. Upon start up they took $99 from me to build up my account. During the first month I sent many emails asking for proof of service. No replies. After the first month I asked to close my account, and the women ******* told me nothing had been done because I needed to send my ID and proof of address. I had already done the month before, that so the first $99 to build my account was for nothing. They didnt build my account until the second month in, and she said that on the phone. Now they are trying to charge me another $99 for work done from Sept-October 19th. They want 3 months of service for $99 for only doing 2 months of service. During this entire time I asked for proof that they were doing any work on my account and they kept ignoring my emails and said they cant send me anything theyve done. I would either like a $99 refund for the build my account charge or not to be charged on October 19th!

  Business response

  10/14/2021

  Hello Samantha,
  
  Thank you for informing us of your situation and we aresorry to hear of your frustrations! We have completed a thorough investigationof your files and want to ensure we resolve this claim in a fair manner. We alsoattempted reach out to you today by phone and will try again tomorrow. Uponstarting in our program, your credit score went from a 658 to a 706. Part ofwhat we do here is also to look at your positive credit to maximize your scoreand you took that advice to heart.

  
  It looks like on 9/9 you were able to speak with one of ourteam members and after listening to the call recording, there was resolution andthat you agreed to continue in the program. Upon this call the team member tooktime to reset expectations. We also sent an email confirmation to you the emailon file which we have included. That team member did collect the necessary documentationto add to your file and took steps to ensure you were taken care of and youthanked her tremendously on that phone call. We sent out investigations on your file went out on 8/23/2021upon receiving your signed retainer agreement and we sent out another round on9/20/2021 in correspondence with your billing date.

  
  The next cancellation request set on your file was on 9/29/2021.Due to our lengthy response time regarding your most recent cancellationrequest, we will be waiving your final payment on your account that was set for10/19/2021. We apologize that we are unable to issue refund at this time as youhad signed our retainer agreement which is attached for your reference.
  

  
  ***** give us a call if you have any questions comments orconcerns at ************.

  
  
  Sincerely,
  
  The 360 Credit Consulting Team

  Customer response

  10/15/2021

  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 as long as I am not charged on the 19th. 
  
  Regards,
  
  ***************************

*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. ↩