Complaints

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:04/18/2025

  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.

  Wise credit took it upon themselves to deduct their own insurance fees, when they had proof of my insurance meeting all their requirements. They never informed me, just started shutting car off, saying my payment was late

  Business Response

  Date: 04/21/2025

  We received a cancellation notice indicating that ************************ policy had lapsed due to non-payment. Upon receiving this notice, we promptly sent her a text message informing her that we required updated proof of insurance. The message also explained that if we did not receive a response within 14 days, ******************************* (CPI) would be added to her account to ensure continuous insurance coverage.
  Mrs. ******** subsequently provided a copy of her renewed insurance policy, and we updated her account accordingly.
  The reason she received a warning regarding the vehicles starter interrupt systemwhich prevents the vehicle from restartingwas not related to the insurance matter. The warning was triggered due to a past-due car payment. Once the past-due payment was made, the issue was resolved.

• Initial Complaint

  Date:12/26/2024

  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 paid my carnote with EFT, i noticed it didnt clear so i logged in to make a payment using my card. It wont allow me saying my acct is locked. The messed up part is the company is closed on weekends meaning I cant use my car for 3 days. this is a HUGE inconvience, yes i take responsibility for the eft but to be blocked & unable to make a pymt with card is UNETHICAL no where in the paper work does it say account will be locked & no pymts can be made.

  Business Response

  Date: 12/26/2024

  Dear ****** *****,
  Thank you for bringing your concerns to our attention. We take pride in being transparent about our policies and procedures, and I'd like to explain the recent situation with your account.
  Our records show that your payment made through FEX Pay on December 18, 2024, was returned on December 20, 2024. When this happens, our system automatically places a hold on the account to ensure we can discuss the situation with you directly.
  Due to the returned payment, your account status changed to past due, which activated our PassTime system. While your vehicle's starter was disabled on December 21, 2024, you had two emergency override codes available for use. These codes would have allowed you to start your vehicle through December 23, 2024. Additionally, PassTime's 24-hour hotline ************ was available throughout the weekend to provide emergency assistance if needed.
  We appreciate that you contacted us on December 23, 2024, to resolve the returned payment, which immediately reactivated your vehicle's starter system. Your account is now current and in good standing.
  As a reminder, you always have access to:
  Emergency override codes for temporary vehicle access
  PassTime's 24-hour customer support hotline ************
  Our regular customer service during business hours
  If you experience any similar issues in the future, please don't hesitate to contact either our office during business hours or the PassTime hotline after hours. We're here to help ensure you maintain uninterrupted access to your vehicle while keeping your account in good standing.
  Best regards,
  Wise Credit

• Initial Complaint

  Date:10/04/2024

  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 bought a car 7 months and have only been able to drive it for 5 months. The car has some major mechanical issues and the finance company who is affiliated with the dealership is aware of this as I have called them several times about problems with the car. Initially they offered me the opportunity to return the car if I continued to have problems with it. They have since denied me the chance to do so and are demanding payment for a vehicle that is not in my possession. When I spoke to customer service about it, they didn't seem to care that I had to come out of pocket for car rental expenses, and time off work to drive an hour a way in a dangerous and faulty vehicle. This organization is taking advantage of people with their extremely high interest rates and unreliable vehicles. It's dangerous what this organization is doing and sad that they would take manipulate consumers into trusting that they are purchasing a good vehicle

  Business Response

  Date: 10/14/2024

  10/14/2024

  Dear Better Business Bureau,

  Re: Response to Complaint from Mrs. **************** appreciate the opportunity to respond to the complaint by Mrs. ******* regarding her vehicle purchased on February 10, 2024. We take customer feedback seriously and aim to clarify the situation as accurately as possible.
  

  Mrs. ******* purchased her vehicle with a recorded mileage of ****** miles. Since that time, the vehicle has accumulated approximately ****** additional miles, bringing the current mileage to about ******* miles.
  

  On March 15, 2024, the vehicle was brought to our service department with a mileage of ****** miles. During this visit, we performed necessary repairs, including the replacement of the oil level sensor seal, oil cooler gasket, and oil pan.
  

  On July 3, 2024, Mrs. ******* submitted proof of an oil change and indicated that her vehicle was low on oil. This low oil situation stemmed from an oil leak, which had not been addressed prior to that time.Notably, the only recorded instance of an oil change during the vehicle's operation has been the one in July, covering approximately ****** miles. This lack of regular maintenance contributed to the warranty company denying her request for a new engine, as proper maintenance records are essential for coverage under the warranty.
  

  Regarding her concerns about making payments while the vehicle was in for service, we would like to highlight that per the terms of her purchase contract, Mrs. ******* is responsible for making timely payments,regardless of the vehicle's status. It is her obligation to secure alternate transportation during service periods. However, we were pleased to provide her with a loaner vehicle at no additional cost, ensuring she had transportation while her vehicle was being repaired.
  

  We have reached out to Mrs. ******* to offer a split in the total cost of repairs. We will pay for half of the needed repairs and will also offer to put her portion on a loan through us at 0% interest so that she can pay it back in smaller payments. We do ask that she put at minimum $1,000 down to start this process. If this is not to her satisfaction, we have also offered to purchase the vehicle back from her at the current payoff and allow her to walk away. At this time, she is still contemplating how she would like to proceed.
  

  We hope this response provides clarity on the situation. We value our customers and strive to deliver the best service possible. If there are any further questions or concerns, we encourage Mrs. ******* to reach out directly so we may assist her further.
  

  Thank you for your attention to this matter.
  

  Sincerely,
  

  ******* ******* *****
  Customer Service
  Neighborhood Autos

• Initial Complaint

  Date:07/19/2024

  Type:Billing 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.

  On June 20th I had surgery on my left I contact wise credit talk to ************** Which was June 17th and let them know I wont be able to pay my car payment. She sent me a blank email for me to do a hardship. Now I told her in my email that my job only does our schedule online since I was getting ready to have surgery. I even sent screen shots of my LOA pending cause they have to wait for my doctor to send the paperwork. She told me she would get back to me never got a phone call or a email from her after I sent my email. Today on July 18th I get a notice for repo for 784.30$. Nobody has called me and check to see whats going on. I just got my LOA approve. I had to fill out a separate paperwork for my short term disability but because of ***** and being without power I couldnt get that paperwork to my doctor or get stitches out until this Monday. I havent got any money or anything from my job. Nobody has contacted me to see whats going or an update nothing. I never had an issue with them before they have worked with me. And now this. I cant go back to work until 7/31/24 and that depends on how Im doing with my foot. It extended.

  Business Response

  Date: 07/19/2024

  Dear ****,
  
  We sincerely apologize for not reaching out regarding the proof of hardship you submitted. We deeply regret the oversight and any inconvenience it may have caused. At Wise Credit LLC, we are committed to assisting you with your account and resolving any issues.
  
  We acknowledge our mistake in overlooking your account until the cure letter was sent. While we have attempted to contact you over the past few days, we have been unable to reach you by phone. We are eager to connect with you to discuss how we can best support you moving forward.
  
  We look forward to hearing from you soon.
  
  Sincerely,
  
  Wise Credit LLC 

  Customer Answer

  Date: 07/22/2024

  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:06/25/2024

  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.

  So wise company decided to place a repo on my credit report. The big problem that I'm having with them is the car was showing a balance owed of $3000.00 something owed on the car before it got reposed so I've written them letters asking for the balance that was owed on the car before the repo and not a made up balance an actual balance. Which I've never received and second since you repo the car what was the balance after you sold it at the auction or after you resold it at your dealership cause when you sell the car the money goes towards the remaining balance left on the car that is owed and you have not provided me with that information nor have you applied the money toward the car because you know that you would have to pay that car off and there is no money owed on that car. So apply the money that you got for the car to the balance pay it off and Delete it from my credit report immediately. this is a violation of my FCRA Rights and my consumer and this is the last time I will be asking you for the balance that was left owed on the car and the Final Balance after the car was sold at auction or your dealership which you know and I know that you can't provide it so you need to do what's right and Delete it now from Credit report Good Day!

  Business Response

  Date: 06/26/2024

  Date: 06.26.24
  *********************************
  The reason your account showed a balance is that the vehicle hadn't been sold yet, so the proceeds couldn't be applied to the remaining balance. Once the vehicle was finally sold, the proceeds were applied, and the account was closed on May 9th, leaving a balance of $528.99. Your account was set to report as "63 Account paid in full, was a repossession with a zero balance" on the June credit report, reflecting ***** activity.
  However, when we pulled your credit file reported on June 19, 2024, we noticed that the update hadn't gone through on your file. We believe this happened because, after the repossession, you reported your account with us as fraudulent to the **** and under penalty of perjury, you declared this to be true. As a result, Experian deleted your account from the ********************** bureau. I have included a copy of the *** Identity Theft Report you sent to Experian.
  When we were notified about this, we verified the information you sent to Experian and found it matched what we had on file. We then requested your account to be reinserted, and it was eventually put back on the credit bureau.Unfortunately, this process interfered with our May file update.
  We will conduct an AUD to ensure your account is reported correctly as "63 Account paid in full, was a repossession with a zero balance."This will show up on the July credit report.
  We hope this clarifies your concerns. If you have any further questions,please feel free to call or email us.
  ***************************
  Compliance Officer

• Initial Complaint

  Date:05/16/2024

  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.

  This is regarding an account on my ********************** report that lists Credit Wise as the original creditor of account ******. ********************** responded to my last **** complaint stating that the account was reported as 180 days past due, but according to the payment history reflected on my credit report, 120 days late is reflected for 4 consecutive months in 2019 (credit report attached). How does the meet FCRA regulations? Furthermore, the **** complaint was closed with explanation ONLY. There were no supporting docs, just a response from the company. I am requesting you provide the payment history that would validate Experian's reporting. I am requesting that all correspondence is via BBB for a paper trail in case of legal proceedings. Lastly, the vehicle in question Under the laws of UCC ***** as well as State RISA and MVISA statutes, a deficiency cannot be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC: *****. EFFECT OF ERRORS OR OMISSIONS, *****. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, *****. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, *****. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the ***** Furthermore, you are notified that your company is not to notify me or my family by US postal mail. Correspondence via BBB only

  Business Response

  Date: 05/24/2024

  Date 5-23-24
  Subject: Response to BBB Statement
  Dear *****************************,
  Thank you for reaching out to us regarding your concerns, as noted in your recent correspondence with the Better Business Bureau (BBB).
  We understand that there seems to be a discrepancy regarding the information reflected on your credit report. Please be assured that we take accuracy in reporting seriously. We acknowledge your mention of a report attached to your statement, but unfortunately, we did not receive it for review. Should you wish to provide further documentation, we would be more than willing to look into the matter. When we obtain a copy of your credit history through Bullseye on Experian, it indicates that the account is 180 days or more past due.
  Regarding your CFPB complaint, we have addressed the statements you provided to us in our response. If there are additional documents you believe would be pertinent to the resolution of this matter, please do not hesitate to let us know.
  In response to your request for a copy of your payment history, we have attached your transaction history to this letter as requested. We hope this provides the clarity you seek regarding your account activity.
  Regarding the notices sent to you, we sent a 10-Day Cure Letter by mailed to notify you of the overdue status of your account. Our intention with this correspondence was to provide you with the opportunity to rectify the situation prior to being turned over for repossession.
  Additionally, upon the recovery of the vehicle by Writ of Sequestration, we followed our protocol by sending you a Proposal for Acceptance of Collateral in Full Satisfaction of Debt (strict foreclosure),a copy of which is attached herewith.
  Furthermore, with regards to your inquiry about proof of a commercially reasonable manner of notification and resale of the subject vehicle, we would like to clarify that these aspects do not apply to the process of strict foreclosure.
  We hope this response addresses your concerns adequately. Should you require any further assistance or clarification, please feel free to contact us directly.
  Sincerely,
  
  ***************************
  Compliance Officer

  See attachment

  Customer Answer

  Date: 06/21/2024

  Complaint: 21721986
  
  I am rejecting this response because: *********** stated that they did not receive the attachment of the credit report showing Experian reporting 180 days in July and August. I have attached it to this complaint. I am confused how this meets FCRA regulations.
  
  Regards,
  
  *****************************

  Business Response

  Date: 06/25/2024

  See attachment for response.

  Thanks  

• Initial Complaint

  Date:10/26/2023

  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.

  Im calling to pay our bill on my husbands **** this is the only vehicle my husband is unavailable to pay so im trying to make a payment and they wont take it trying to make me go into defualt when i have the money and im trying to pay what difference does it make who is paying as long as its getting paid

  Business Response

  Date: 10/27/2023

  I searched for an account linked to her, but couldn't find any. To assist further, we'll require the customer's name, account number, and the last four digits of their social security number. Additionally, she should be an authorized user on the account. If her husband wishes to authorize her, we can provide him with the necessary paperwork. Alternatively, she can make a payment through our online portal if he shares his account login details with her.

  *****

• Initial Complaint

  Date:09/22/2023

  Type:Product 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 charged three times by Wise Credit. I have never had an account with them and they refused to even look into who was doing it. The manager ***** began to raise her voice at me because she said she didn't know how to explain it to me.

  Business Response

  Date: 09/25/2023

  Dear **** ****************** are Wise Credit LLC, an automotive finance firm. It has come to our attention that many have mistaken us for another entity due to the similarity in our name. If you've encountered issues, we suggest you reach out to your credit card company to address the matter. We have no account in your name.
  
  Wishing you the best,
  *****
  Wise Credit LLC
  
  

  Customer Answer

  Date: 09/25/2023

  Complaint: 20644207
  
  I am rejecting this response because: I attempted to call your business and ***** was rude and refused to try to help me. I do not have an account with your company. However, your company has pulled money from my checking account on 3 different occasions. 
  
  Regards,
  
  *****************************

  Business Response

  Date: 09/25/2023

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

  
  I would like to extend my apologies for the behavior of *****, and I will address this with her. I'm wondering if it's possible that the credit card has been stolen and is being used to make payments on someone's car. If these transactions involve smaller amounts, roughly around $75 or less, there's a chance that they might be related to a company whose name resembles ours and deals with credit reports. We've had several similar complaints, and those affected found that their credit card companies were able to assist them in resolving the issue.

  
  I'd be more than willing to discuss this matter further with you. You can reach me at ************.

  
  Wishing you the best of luck,
  *****

• Initial Complaint

  Date:08/21/2023

  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.

  I am not liable for this debt with Credit Wise LLC. I do not have a contract with Credit Wise LLC, they did not provide me with the original contract as I requested.

  Business Response

  Date: 08/21/2023

  We strongly advise the following steps for her to rectify the situation:
  Contact the local police to file a report and initiate an investigation.
  Submit a credit dispute with the appropriate credit bureaus.
  Provide us with the necessary details, enabling us to verify her identity and compare it against our records.
  For any further assistance, please feel free to reach out to me at Wise Credit.
  
  ***************************
  Compliance Officer
  ************ Direct Line
  **************************************  

• Initial Complaint

  Date:01/16/2023

  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.

  I purchased my car January 1, 2021 about three months after I had the car I ended up having a $1400 repair on the car. Luckily it was covered by an extended warranty at the time, however, following that in the next few months, I continue to have problems with the car. I tried to get them to put me in something else they told me no. I have kept the car since then, and have continued to have problem after problem with the car I have tried numerous times to work with wise credit to get me put in something else, and they refuse This week on January 13, 2023 my payment came due however my check engine light was on. I told them I would hold off on making a payment until I got the car repaired. I had the car repaired and paid $145 on Sunday to have it fixed a few hours later the check engine light came back on with something else on the car failing , I contacted them this morning January 16, 2023 and told him what was going on and that the car would go back to the repair shop tomorrow. They proceeded to tell me they were turning the car off since I had not made a payment. I am only three days late , how can a car be repaired if its not turned on? They refused to work with me so now I am having them pick up the car and Im doing a voluntary surrender which is going to hurt my credit. I have asked numerous times and pleaded with them to get me out from underneath this car because it does not work correctly and constantly has issues and they refused. The office staff is very rude. Every time I call I can never get a helpful resolution they make threats. I have never made a payment late, but they still refuse to work with me.

  Business Response

  Date: 01/26/2023

  We were unable to assist *****************, because she had put on ****** miles in 2 years, her 2 year ****** mile warranty had run out and she did not have the money to do the repairs. We also tried to trade her into another vehicle, but because of excess mileage on her vehicle we were unable to do that.She decide to voluntarily return the vehicle, which she has done.