ComplaintsforNew Credit America LLC

• Initial Complaint

  05/06/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  In Mid February I spoke with A representative regarding how much was left on my loan and she had told me $13,000. The representative told me that she would call me within the next three days at the beginning of March so I could send out a check. Nobody had called me so I sent a $13,000 certified check for the balance on my account.. And I requested a letter to show that it was paid on March sixth I spoke with a representative named *********. And he told me he would get me my information. The next time anyone reached out to me was April 30 th and her Name was ***** just calling to tell me I now owe a balance, that I refused to pay. And also New Credit America adjusted the loan amount that was originally taken out to meet there service charges while I sent emails that were never responded to nor anything sent in the mail or anyone calling me by phone. My request to have this paid in full on my credit report instead the loan was adjusted and showed I owed a balance. Furthermore I have no written information sent to me which I requested from ***** again and if there is a balance but as far as Im concerned I have also satisfied my loan in full. I am also writing in regards to level debt that they are affiliated with for two years. I have paid $59 a month in fees to be affiliated with the new credit America and I believe that I was falsely misled information about starting the loan with new credit America, all of the charges that level Debt has taken out of my account have been miscellaneous charges, and does not show a description as to what it was used for except for miscellaneous cleaning supplies. I just would like to get this matter resolved As agreed upon New Credit America and where I also receive my Zero balance letter. And is correctly updated on my Credit report.

  Customer response

  05/09/2024

  I am writing in regards to an email that I just sent previous to this one with photos attached. Could you please tell me if you receive that if not, I could resend it. Thank you. 

  Business response

  06/03/2024

  6/3/2024

  ***************************
  ***************
  ************, *******; 14072
  
  Re: Better Business Bureau Complaint ID ********
  Loan Number: CXLD2303-0045445
  
  Dear ***************************,
  
  This letter is in response to your complaint with the Better Business Bureau, ID ********. The following will serve as New Credit America's ("NCA") response.
  
  First, we want to address your concern about a $59.00 recurring charge from your debt settlement company, Level Debt. Although your NCA loan was established in collaboration with Level Debt, this letter confirms that NCA is not billing you a monthly fee of $59.00. If you have any questions about fees or charges related to your debt settlement program with Level Debt, please get in touch with Level Debt at ************.
  
  Regarding the early payoff and residual balance dispute, our records indicate that the early payoff and residual balance dispute was resolved with our support department on 5/7/2024. After reviewing all interactions with our agents, we found no errors or interactions quoting a payoff amount of $13,000. While NCA considers the remaining balance of $1,225.80 valid and accurate, the balance has been written off. Please note that this write-off may result in tax consequences for you. We encourage you to consult a lawyer and/or tax advisor if you are uncertain of the legal or tax consequences.
  
  We are writing to confirm that your NCA loan has been paid/closed with a zero balance. NCA has reported to the Credit ****************** that the loan has been paid/closed for less than the full balance.
  
  We apologize for any inconvenience this matter may have caused. NCA is committed to providing excellent customer service and hopes this resolution confirmation letter addresses your concerns. If you have any further questions, please contact us at ************.
  
  Sincerely,
  
  New Credit America
  

  Business response

  06/03/2024

  Hello - I just wanted to let you know that I was having a technical issue receiving your alert emails regarding this complaint. I believe that is resolved now, but wanted to let you know why it took so long for us to knock this out.

  Customer response

  06/07/2024

  I am rejecting this response because:I was an outstanding customer with you and your affiliates for years. The deceptive marketing practices you used against me  are shameful. I never received responses by NCA for months regarding finalizing my payment. I came to you for help, and now you undo everything I worked and payed for. I would appreciate that my credit report stay in good standing with you beyond all this confusion. Thank you in Advance. 

  Business response

  06/17/2024

  6/17/2024
  

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

  Re: Better Business Bureau Complaint ID ********
  Rejected Resolution Response
  Loan Number: CXLD2303-0045445
  

  Dear ***************************,

  This letter is in response to your recent rejection of the proposed resolution to your complaint with the Better Business Bureau, ID ********. Below is New Credit America's ("NCA") response.
  

  After reviewing your account, we have confirmed that NCA has reported the correct information to the credit reporting agencies. If you believe the account is being reported inaccurately, please provide specific documentation supporting your claim so we can further investigate this matter.

  
  However, as a courtesy and in an effort to resolve your claim, NCA has removed the special comment AU Account paid in full for less than the full balance. It is important to note that NCA has never reported your loan as late, negative, or derogatory. Please be aware that various factors contribute to your credit score. Please allow 30 days for these updates to reflect on your credit report.
  

  We believe this addresses all of your concerns. If you require further assistance, please contact us by email or at the following address:
  Email: **********************
  Mail: New Credit America
  PO Box 561266
  ****************
  

  Sincerely,
  

  Executive Escalations
  New Credit America

  Customer response

  06/25/2024

  I have reviewed the business response and accept this resolution because I have no other choice. I have no other resources to go Forward. I am completely unsatisfied that for a year and a half that Level debt the company you affiliate with took 59 dollars a month out of my checking account to pay them while my loan was transferred only to pay it off quicker to you and you claim you have no affiliation with them yet i was being charged by both companies. Also the numerous phone calls to New credit America and no responses, Emails that I sent to new Credit America and never got answered until a few months later. I had several emails for requests for something to be mailed to me no response. Nothing mailed. The deceptive marketing techniques are shameful , and should be investigated.   I payed by debt therefore I feel good as a person. Thank you and have a nice day! 

• Initial Complaint

  03/01/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  This business's can't get there acted together. I been waiting for answer on a loan for going on 2 weeks now. But I been getting a email everyday saying that I need to call them to finish finalizing every time I call they give me the same answer. Disregard text and email from them until they call me.

  Business response

  03/27/2023

  March 23, 2023
  
  *************************
  ********************************************* 408
  *********,** *****
  
  ************************* Case # ********
  
  Dear *************************:
  
  This correspondence confirms receipt of your recent complaint to the Better Business Bureau. The following will serve as New Credit America's ("NCA")response. Thank you for contacting NCA, and we appreciate your patience while awaiting our response.
  
  NCA is committed to providing a high level of service, and your feedback is important to us. We understand that you are dissatisfied with how long it took to review your application.
  
  Upon reviewing your case, our records show that you submitted a credit application on 1/30/2023. During the underwriting process, we required additional information to complete the application review, which is why it took longer than usual. Unfortunately,the application has been disqualified, and the specific reason(s) for the denial will be sent to you directly, as required by law.
  
  Should you have any further questions, don't hesitate to contact ** directly at the following address: PO Box ******, ******, ** 75356
  
  Sincerely,
  
  New Credit America
  
  Cc:Better Business Bureau

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