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:04/15/2025

  Type:Service or Repair 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.

  I paid my UTV, full amount in Feb. of 2025. $18,000. Full loan amount was around $27,000. For two months I have been requesting my title. They magically have a $91.78 charge to my account to where they will not release title. I have been on the phone with them faithfully asking for my title. I always get told the request has been sent. I asked for proof that they released title or sent the request never getting any proof. They are refusing to send title and keep giving me the run around.

  Customer Answer

  Date: 04/15/2025

  They have released title today. 4/15/2025

• Initial Complaint

  Date:03/31/2025

  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.

  I am writing to formally dispute an issue regarding a business credit card that has been erroneously reported on my personal credit report. Specifically, [******] credit card account number [******] was placed under my personal credit profile without my consent or proper **************** the account is tied to a business and not a personal credit obligation, this situation is not only inaccurate but also damaging to my personal credit score. I kindly request that you investigate this matter and take immediate steps to remove this account from my personal credit report.

  Business Response

  Date: 04/14/2025

  Servicing Solutions, LLC (Servicing Solutions) is in receipt of ***** ******** **** *******) above-referenced complaint which was received on March 31, 2025. We have reviewed the complaint and respond as follows:
  
  Servicing Solutions is a Texas based limited liability company that provides loan servicing for various clients, including loans originated by ****** Business Cashback MasterCard (****** MasterCard). *** ******* has never had an account with **********************. As a third party servicing company, Servicing Solutions does not originate loans or extend credit. It services such accounts. While this is a business credit card, and was entered into for commercial purposes, *** ******** as an individual, entered into the agreement as well and agreed to be jointly and severally liable. As such, while this is a business account and the credit line is to only be used for commercial purposes, *** ******* also personally entered into this Agreement.Please see the relevant portions of the Agreement below have been bolded. We have attached ********************** for ease of reference.
  
  Parties To This Agreement; Definitions. Primary means the individual that is the personal guarantor who applied for the account on behalf of the business and the individual to whom we address the billing statements. Business means the corporation, limited liability company,partnership, or sole proprietor on whose behalf the Account is established for business and commercial purposes. You and your mean the Primary and the Business. You agree, to be bound, jointly and severally by the terms of this Agreement. Every individual other than the Primary to whom we issue a Business Card upon your request or who uses a Business Card with your consent is an Authorized User. The words we, us or our mean WebBank. The word Business Card means a ****** Business Cashback Mastercard credit card issued in connection with your Account. The term ****** refers to *************(including its affiliates), a payment service provider that businesses and merchants may use to make payments to and accept payments from third parties.Concerto **************************** is our third-party service provider for the ****** Business Cashback *********** and may be referenced herein as an agent, service provider, or servicer.
  
  Further, with regard to credit reporting related to this obligation, please see the following portion of the Agreement: Credit Bureau Reporting. ... [w]e may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on the Account may be shown in your credit report.
  
  Since the definition of YOUR includes both *** ********individually, and the business, *** ******* agreed, when entering into this Agreement, to have the reporting included in his personal credit report.
  
  We have reviewed our records and have found that we are, in fact,servicing an account where the *** ******* is the borrower. The file indicates that *** ******* entered into a ****** BUSINESS CASHBACK MASTERCARD ACCOUNT AGREEMENT (Agreement), for a business credit card with WebBank, on or about June 20, 2023, in which ********************* (Concerto) was the Servicer. A copy of the Agreement is attached.
  
  On or about November 4, 2024, Concerto sent a letter to the borrower advising him that the servicing of his accounts were being transferred to Servicing Solutions. This letter is attached hereto.
  
  On or about November 4, 2024, Servicing Solutions also provided a letter informing the borrower that the servicing was transferred to Servicing Solutions effective November 4, 2024. The letter included information regarding our acceptable payment option methods, our contact information, hours of operation, and our customers assigned account number.
  
  If there are any additional questions or concerns, please contact us directly at ************.

• Initial Complaint

  Date:03/20/2025

  Type:Order 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 SERVICING SOLUTIONS LLC. I DO NOT HAVE A CONTRACT WITH SERVICING SOLUTIONS LLC, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.

  Business Response

  Date: 04/03/2025

  Servicing Solutions, LLC (Servicing Solutions) is in receipt of the above referenced complaint. We have reviewed the complaint and respond as follows:
  
  Servicing Solutions is a Texas based limited liability company that provides third party loan servicing for various clients, including loans originated by ****** Business Cashback ****************** MasterCard). As a third party servicing company, Servicing Solutions only services the accounts. As such, the complainant is correct he does not have a debt with Servicing Solutions. Instead, he has a debt that is serviced by Servicing Solutions.
  
  We have reviewed our records and have found that we are, in fact, servicing an account where the complainant is the borrower. The file indicates that the borrower entered into a ****** BUSINESS CASHBACK MASTERCARD ACCOUNT AGREEMENT (Agreement), for a business credit card with WebBank, on or about September 15, 2022. The records further indicate that ********************* (Concerto) was the Servicer. Please see the attached the subject Agreement.
  
  Our records further indicate that on or about November 4, 2024, Concerto sent a letter to the borrower advising that the servicing of the subject account was being transferred to Servicing Solutions. Please see attached a copy of the letter.
  
  Further, on or about November 4, 2024, Servicing Solutions also provided a letter to the borrower,informing him that the servicing of his ****** MasterCard account was transferred to Servicing Solutions effective November 4, 2024. The letter included information regarding our acceptable payment option methods, our contact information, hours of operation, and our customers assigned account number. Please see attached a copy of that letter as well.
  
  Our records show that prior to the borrower filing the above-referenced complaint, Servicing Solutions had conversations with him related to his account via telephone and he did not raise any concerns related to his ownership and responsibility of the account at any time during our communications with him.
  
  Furthermore, during our most recent contact with the borrower on March 25, 2025, he informed us of his intent to pay off the account. If the borrower would still like to payoff the account, or make any other payment, or if the borrower has any other questions, he should feel free to contact Servicing Solutions as the third party servicer of his account at ************.

• Initial Complaint

  Date:03/03/2025

  Type:Product 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.

  For the months of Jan, Feb and March 2025, servicing solutions had double deducted payments of of my account when only one payment was authorized. They eventually sent refund checks for Jan and Feb, but only after calling them and waiting for mail to be delivered. Then it Happens again in March. This is getting out of control since they had 3 months to fix it. I've spent hours and hours dealing with this and had a hardship as this was occurring while buying and moving into a house while this was going on. What is servicing solutions going to do for me and what assurances will I get that this won't happen again?

  Business Response

  Date: 03/15/2025

  Servicing Solutions, LLC (Servicing Solutions) is in receipt of the above referenced complaint, and we welcome this opportunity to respond to help clarify and resolve the matter.Please allow this letter to serve as our formal response.
  
  Servicing Solutions is a Texas based ************************* that provides Loan Servicing for various clients, including loans originated by ***********. (LoanMe). As a servicing company, we do notoriginate loans, extendcredit, conduct creditinquiries, or establishcredit trade-lines for applicants of the clients we service.
  
  Please find the following summary of facts that resulted in the current status of this account:
  
  Our records confirm that our customer opened an unsecured personal loan with LoanMe on May 19, 2016.
  On or around November 4, 2022, LoanMe sent Notice of Servicing Transfer to our customer advising that the ****************** of her account was being transferred to Servicing Solutions. (As evidenced by Attachment #1)
  On or around November 7, 2022, we provided a Welcome Letter to our customer, informing her that the ****************** of her LoanMe account was transferred to Servicing Solutions effective November 7, 2022. (As evidenced by Attachment #2)
  Upon review of our customers account, we have confirmed that our customers Automated Clearing House (ACH) payment program has been placed on STOP status to avoid any inadvertent drafts from reoccurring.
  On March 12, 2025, we issued our customer a refund check in the amount of $83.02 and sent via ***** overnight shipping (tracking # ************) to the customers mailing address on file. The refund check was delivered on 3/13/2025 approximately on or around 11:40 AM of our customers local time. (As evidenced by Attachment #3)
  
  Servicing Solutions would like to sincerely apologize to our customer for any inconvenience experienced during this process.
  
  In closing, we would like to thank you for this opportunity to respond and hope that we have helped to clarify the matter for the customer. If our customer has additional questions or concerns,please contact Servicing Solutions directly at ************.

  Customer Answer

  Date: 03/16/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:02/27/2025

  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.

  This company collection process and website is confusing and misleading. I was set up for automatic payments out it was only taking out incorrect payments. When contacting the company I made payment and set payment arrangements for the balance. After making these payments as agreed the place a 90 day deliquecy of unpaid on my credit report dropping it over 40 points. After attempting to contact company for a week straight I have not been able to reach anyone. Been on hold with company for hours each day.

  Business Response

  Date: 03/13/2025

  Servicing Solutions, LLC (Servicing Solutions) is in receipt of the above referenced complaint, and we welcome this opportunity to respond to help clarify and resolve the matter.Please allow this letter to serve as our formal response.
  
  Servicing Solutions is a Texas based ************************* that provides Loan Servicing for various clients, including loans originated by ****** Business Cashback ********** (****** **********). As a servicing company,we do not originate loans, extend credit,conduct credit inquiries, or establish credittrade-lines for applicants of the clients we service.
  
  Please find the following summary of facts that resulted in the current status of this account:
  
  Our records confirm that our customer submitted an application and e-Sign acknowledgement of the ****** BUSINESS CASHBACK MASTERCARD ACCOUNT AGREEMENT (Agreement), for a business credit card with WebBank, on August 5, 2022, in which ********************* (Concerto) was the Servicer. (As evidenced by Attachment #1)
  
  We encourage our customer to review the Agreement in its entirety, as this letter will only highlight the following sections, so that we may address your complaint.
  
  Assignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your Account, including our rights to payments or interest in the associated receivables. We do not have to give you prior notice of such action, except as otherwise required by applicable law. Any person, company, or bank to whom we assign, sell or transfer this Agreement shall be entitled to all of our rights under this Agreement. None of your rights or obligations shall be affected by such assignment, sale or transfer. You may not sell, assign or transfer any of your rights or duties under this Agreement or your Account without our written consent. Pg. 6 of 8.
  
  ************* Reporting. You authorize us to obtain information from credit reporting agencies and other sources for servicing or ongoing review of your Account, collection and any other use permitted by law, including to consider you for other products and services. We may report information about your Account to credit bureaus. Late payments,missed payments, or other defaults on the Account may be shown in your credit report. Please be advised that the account number listed on your credit report associated with the Account is a master account number and may not match the number shown on your Business Card(s). Pg. 6 of 8.
  
  Default. The Account is in default if (i) you fail to make a required payment, (ii) there is a late payment, (iii) you do not follow any other term of this Agreement, including, without limitation,incurring charges for purchases or cash advances which exceed the applicable limit, (iv) attachment or garnishment proceedings are instituted against you,or (v) you become bankrupt or insolvent. If there is a default or upon your death, we may (a) request payment of the full account balance (including all interest and fees) right away, (b) take legal action to collect the amounts owed, and/or (c) take any other action allowed by
  
  applicable law.Our failure or delay to assert any rights hereunder shall not waive such rights. Pg. 6 of 8.
  
  - On or around November 4, 2024, Concerto sent Good-bye Letters to all customers advising that the ****************** of their accounts were being transferred to Servicing Solutions. (As evidenced by Attachment #2)
  - On or around November 4, 2024, we provided a Welcome Letter to our customer, informing our customer that the ****************** of their ****** MasterCard account was transferred to Servicing Solutions effective November 4, 2024. The welcome letter included information regarding our acceptable payment option methods, our contact information, hours of operation, and our customers assigned account number. (As evidenced by Attachment #3)
  - Monthly Billing Statements are provided to each customer to inform them of Important Payment Information, Applied Payments, Missing Payments, Late Fees, Conditional Payments, Regulatory Disclosure Requirements, Servicing Solutions Contact Information, Hours of Operations and other Customer Centric Information.  (As evidenced by Attachment #4)
  - On February 27, 2025, we spoke with our customer, acknowledging her frustrations and explained the validity of our credit reporting, based upon her payment history. Our customer agreed to pay the full balance of the account in the amount of $76.55 via a one-time Automated Clearing House (ACH) payment using our secured web-based online portal. We agreed to update our customers previous credit reporting per her request. Additionally, we advised our customer if any payment overage is owed to her, it will be refunded once transactions are finalized.
  - Within the next ***** days, we encourage our customer to review her credit reporting trade-lines to obtain additional information to be saved with her records.
  
  In closing, we would like to thank you for this opportunity to respond and hope that we have helped to clarify the matter for the customer. If our customer has additional questions or concerns, please contact Servicing Solutions directly, ************.

• Initial Complaint

  Date:02/27/2025

  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.

  I am formally addressing a serious issue regarding Servicing Solutions handling of my account, which has resulted in multiple violations of my contractual rights, credit reporting laws, and privacy protections. The reporting of this account to my personal credit file is a direct violation of our agreement and established legal standards, and I demand immediate corrective action.First and foremost, the account in question is a business account, not a personal account. At no point was this account delinquent, nor should it have ever been reported under my personal credit profile. By inaccurately reporting this business-related obligation on my personal credit report, Servicing Solutions has misrepresented the nature of the debt and caused unwarranted harm to my personal credit standing.Furthermore, this action violates multiple consumer and credit laws, including but not limited to the Fair Credit Reporting Act (FCRA) and potential breaches of privacy and contractual obligations. This unauthorized reporting has negatively impacted my financial standing, and such misconduct will not be tolerated.I am demanding the immediate removal of this account from my personal credit report. If this matter is not resolved promptly, I will have no choice but to pursue all available legal actions, including but not limited to litigation for damages caused by this wrongful reporting. I expect written confirmation that this account has been deleted from my personal credit file within 3-7 days Please treat this matter with the urgency it deserves and provide a response at your earliest convenience. If necessary, I am prepared to escalate this issue to the appropriate regulatory authorities and seek legal remedies.

  Business Response

  Date: 03/13/2025

  Servicing Solutions, LLC (Servicing Solutions) is in receipt of the above referenced complaint, and we welcome this opportunity to respond to help clarify and resolve the matter.Please allow this letter to serve as our formal response.
  
  Servicing Solutions is a Texas based ************************* that provides Loan Servicing for various clients, including loans originated by ****** Business Cashback ********** (****** **********). As a servicing company,we do not originate loans, extend credit,conduct credit inquiries, or establish credittrade-lines for applicants of the clients we service.
  
  Please find the following summary of facts that resulted in the current status of this account:
  
  Our records confirm that our customer submitted an application and e-Sign acknowledgement of the ****** BUSINESS CASHBACK MASTERCARD ACCOUNT AGREEMENT (Agreement), for a business credit card with WebBank, on September 25, 2022, in which ********************* (Concerto) was the Servicer. (As evidenced by Attachment #1)
  
  We encourage our customer to review the Agreement in its entirety, as this letter will only highlight the following sections, so that we may address your complaint.
  
  Assignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your Account, including our rights to payments or interest in the associated receivables. We do not have to give you prior notice of such action, except as otherwise required by applicable law. Any person, company, or bank to whom we assign, sell or transfer this Agreement shall be entitled to all of our rights under this Agreement. None of your rights or obligations shall be affected by such assignment, sale or transfer. You may not sell, assign or transfer any of your rights or duties under this Agreement or your Account without our written consent. Pg. 6 of 8.
  
  ************* Reporting. You authorize us to obtain information from credit reporting agencies and other sources for servicing or ongoing review of your Account, collection and any other use permitted by law, including to consider you for other products and services. We may report information about your Account to credit bureaus. Late payments,missed payments, or other defaults on the Account may be shown in your credit report. Please be advised that the account number listed on your credit report associated with the Account is a master account number and may not match the number shown on your Business Card(s). Pg. 6 of 8.
  
  Default. The Account is in default if (i) you fail to make a required payment, (ii) there is a late payment, (iii) you do not follow any other term of this Agreement, including, without limitation,incurring charges for purchases or cash advances which exceed the applicable limit, (iv) attachment or garnishment proceedings are instituted against you,or (v) you become bankrupt or insolvent. If there is a default or upon your death, we may (a) request payment of the full account balance (including all interest and fees) right away, (b) take legal action to collect the amounts owed, and/or (c) take any other action allowed by applicable law.Our failure or delay to assert any rights hereunder shall not waive such rights. Pg. 6 of 8.
  
  - On or around November 4, 2024, Concerto sent Good-bye Letters to all customers advising that the ****************** of their accounts were being transferred to Servicing Solutions. (As evidenced by Attachment #2)
  - On or around November 4, 2024, we provided a Welcome Letter to our customer, informing our customer that the ****************** of their ****** MasterCard account was transferred to Servicing Solutions effective November 4, 2024. The welcome letter included information regarding our acceptable payment option methods, our contact information, hours of operation, and our customers assigned account number. (As evidenced by Attachment #3)
  - Monthly Billing Statements are provided to each customer to inform them of Important Payment Information, Applied Payments, Missing Payments, Late Fees, Conditional Payments, Regulatory Disclosure Requirements, Servicing Solutions Contact Information, Hours of Operations and other Customer Centric Information.  (As evidenced by Attachment #4)
  - On February 28, 2025, we spoke with our customer regarding the concerns raised within this complaint. We acknowledged our customers frustration related to the credit reporting of his account and explained the validity of the credit reporting based upon his payment history. During this conversation, our customer proposed to make a payment of $6,000 on or around the week of February 28, 2025; and subsequent monthly payments of $1,000 beginning in March 2025 until the remaining balance owed was paid in full. In exchange, our customer requested that we delete the derogatory credit trade-line from his personal credit history.
  - Servicing Solutions agreed to customers proposal. However, as of March 13, 2025, our customer has not submitted the payment of $6,000 to initiate the process.
  
  So that our customer may fully resolve this matter, we encourage him to contact us today.
  
  In closing, we would like to thank you for this opportunity to respond and hope that we have helped to clarify the matter for the customer. If our customer has additional questions or concerns, please contact Servicing Solutions directly at ************.

• Initial Complaint

  Date:02/23/2025

  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.

  The company had a ****** cashback **********. For whatever reason the account was transferred over to Servicing Solutions. I had the occasion to contact them in December. We were discussing this account, the man offered me a Lump Sum payment. After a few back and forth phone calls, we settled on an amount of $2187. We decided to take them up on the offer, which he said needed to be paid by ACH, so he was provided the information, and our account was credited for $2187.00. He told me that the account would be zeroed out. I expected that is what happened. Something came up that I noticed about a balance, when I opened my account, not only had they taken the $2187.00 for payment but used that information for automatic payment and now have illegally taken another $450.00 over a 3 month period. The debt was paid off on December 16, and before that time they did not have any ACH information, on December 17, they took another $150, Jan 17 another $150 and Feb 17th another $150. There is NO access (like trustworthy sites to make any alterations to these auto payments, which is why I wrote to them to tell them that there should not be any on this account (prior to this back in November). This is wrong on so many levels. These funds $450.00 need to revert back to us, and that account needs to be closed. There simply is no excuse for what they have done. It's dirty handed and irresponsible.

  Business Response

  Date: 03/12/2025

  Servicing Solutions, LLC (Servicing Solutions) is in receipt of the above referenced complaint, and we welcome this opportunity to respond to help clarify and resolve the matter.Please allow this letter to serve as our formal response.
  
  Servicing Solutions is a Texas based ************************* that provides Loan Servicing for various clients, including loans originated by ****** Business Cashback ********** (****** **********). As a servicing company, we do not originate loans, extend credit, conduct credit inquiries, or establish credit trade-lines for applicants of the clients we service.
  
  Please find the following summary of facts that resulted in the current status of this account:
  
  - Our records confirm that our customer opened a business credit card with WebBank, on November 7, 2022, in which ********************* (Concerto) was the Servicer.
  - On or around November 4, 2024, Concerto sent Good-bye Letters to all customers advising that the ****************** of their accounts were being transferred to Servicing Solutions. (As evidenced by Attachment #1)
  - On or around November 4, 2024, we provided a Welcome Letter to our customer, informing her that the ****************** of her ****** MasterCard account was transferred to Servicing Solutions effective November 4, 2024. The welcome letter included information regarding our acceptable payment option methods, our contact information, hours of operation, and our customers assigned account number. (As evidenced by Attachment #2)
  - On December 16, 2024, we spoke with our customer and agreed to a settlement in the amount of $2,187.00. We assisted our customer with processing a one-time Automated Clearing House (ACH) payment in the amount of $2,187.00. Servicing Solutions utilizes a secure web-based online portal that all customers use to manage their payment arrangements, including monthly automated drafts.
  - A review of our customers payment history confirmed that inadvertent, ACH payments were drafted on December 17, 2024, January 17, 2025, and February 17, 2025, for $150.00 each. All payments drafted on the above dates were refunded to the customers banking institution. (As evidenced by Attachment #3)
  
    - December 17, 2024 $150.00 confirmation # ************
    - January 17, 2025 $150.00 confirmation # ************
    - February 17, 2025 $150.00 confirmation # ************
  
  Additionally, future automated ACH drafts have been stopped.
  - We are in the process of updating and closing our customers account. Within the next ***** days, we encourage our customer to review her credit reporting trade-lines to obtain additional information to be saved with her records.
  
  We would like to sincerely apologize to our customer for any inconvenience she may have experienced throughout this process.
  
  In closing, we would like to thank you for this opportunity to respond and hope that we have helped to clarify the matter for the customer.If our customer has additional questions or concerns, please contact Servicing Solutions directly, ************.

  Customer Answer

  Date: 03/15/2025

  I am rejecting this response because:   They have only refunded one $150.00 they still owe $300.  This company is nuts, 

  Business Response

  Date: 03/21/2025

  Servicing Solutions, LLC (Servicing Solutions) is in receipt of the rejection response sent by our customer for the referenced complaint, we welcome this opportunity to respond to help clarify and resolve the matter. Please allow this letter to serve as our formal response.
  
  As of February 17, 2025, all required ACH payments are returned to our customers banking institution (checking account ending -***** (As evidenced by Attachment #1):
  
  - January 17, 2025 $150.00 confirmation # ************
  - February 17, 2025 $150.00 confirmation # ************
  
  In closing, we would like to thank you for this opportunity to respond and hope that we have helped to clarify the matter for the customer.If our customer has additional questions or concerns, please contact Servicing Solutions directly, ************.

  Customer Answer

  Date: 03/29/2025

  I am rejecting this response because:   Because I only received $150 for $450 charge back on my account. Attach is the documents to show

• Initial Complaint

  Date:02/03/2025

  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.

  I received the attached email about their update to the *** system. I changed my autopay information per the email. In January, the autopay came out twice - once from the old system and once from the new system. I called customer service and was told it would be applied to the next month, and the old system would not take my money again. I cancelled my new autopay so that I would just pay the bill manually because I did not trust them. Today, the old autopay came out again. I already made this month's payment and did not authorize the autopay. This is likely happening to everyone.

  Business Response

  Date: 02/15/2025

  Servicing Solutions, LLC (Servicing Solutions) is in receipt of the above referenced complaint, and we welcome this opportunity to respond to help clarify and resolve the matter.Please allow this letter to serve as our formal response.
  
  Servicing Solutions is a Texas based ************************* that provides Loan Servicing for various clients, including loans originated by ***********. (LoanMe). As a servicing company, we do not originate loans, extend credit, conduct credit inquiries, or establish credit trade-lines for applicants of the clients we service.
  
  Please find the following summary of facts that resulted in the current status of this account:
  
  - Our records confirm that our customer opened an unsecured personal loan with LoanMe on January 26, 2016.
  - On or around November 4, 2022, LoanMe sent Notice of Servicing Transfer to our customer advising that the ****************** of her account was being transferred to Servicing Solutions. (As evidenced by Attachment #1)
  - On or around November 7, 2022, we provided a Welcome Letter to our customer, informing her that the ****************** of her LoanMe account was transferred to Servicing Solutions effective November 7, 2022. (As evidenced by Attachment #2)
  - Upon review of our customers account, we have confirmed that our customers Automated Clearing House (ACH) payment program has been placed on STOP status for both previous and current ACH systems.
  - Additionally, on February 5, 2024, we issued our customer a refund check in the amount of $226.56 (check # *****) and sent via regular mail to her mailing address on file.
  
  Servicing Solutions would like to sincerely apologize to our customer for any inconvenience she may have experienced during this process.
  
  In closing, we would like to thank you for this opportunity to respond and hope that we have helped to clarify the matter for the customer. If our customer has additional questions or concerns,please contact Servicing Solutions directly at ************.

• Initial Complaint

  Date:01/31/2025

  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.

  Servicing Solutions (SS) took over the handling of my account from ****** when it discontinued the ****** Business Mastercard. My account was scheduled to pay $325 every month but SS added a higher interest rate and doubled my monthly payments. I called SS several times and was told our conversations was being recorded. I told ** I understood they acquired my account but did not understand why. I was never late on a payment. I requested that my interest rate stay the same as with ******. I was told my request would go to someone higher up and they would get back to me but never did. I just keep getting harassed about the payments. I called SS again, same response. I called again and was told the department that handles that is behind and they would do it eventually. I asked for a letter in writing stating as much, but it was never received. I have repeatedly called and get the same answer every time. At this point, my account is adding interested because I simply can not pay this interest that does not allow you to pay off the account. I never agreed with ****** to sell my account to this company. I told SS all I can pay is $325 a month. I want to be able to make my payments without being taken for a ride.

  Customer Answer

  Date: 01/31/2025

  I was paying on this Business ********** with ****** and they sold my account to **********************. My payments with ****** were $325 a month. Since Servicing Solutions received my account that I did not agree too, they have doubled the interest rate and want me to pay $625 a month. I tried to discuss this issue with them and keep getting the run around and saying they documented the call but everytime I call they have no recollection of my conversations. I have asked serveral times to speak to managment and was told someone would contact me and they never did. I am trying to pay my monthly paments but not with an outrageous interest rate. They refuse to work with me to correct this issue.

  Business Response

  Date: 02/21/2025

  Servicing Solutions, LLC (Servicing Solutions) is in receipt of the above referenced complaint, and we welcome this opportunity to respond to help clarify and resolve the matter.Please allow this letter to serve as our formal response.
  
  Servicing Solutions is a Texas based ************************* that provides Loan Servicing for various clients, including loans originated by ****** Business Cashback ********** (****** **********). As a servicing company,we do not originate loans, extend credit,conduct credit inquiries, or establish credittrade-lines for applicants of the clients we service.
  
  Please find the following summary of facts that resulted in the current status of this account:
  
  - Our records confirm that our customer opened a business credit card with WebBank, on July 14, 2022, in which ********************* (Concerto) was the Servicer.
  - On or around November 4, 2024, Concerto sent Good-bye Letters to all customers advising that the ****************** of their accounts were being transferred to Servicing Solutions. (As evidenced by Attachment #1)
  - On or around November 4, 2024, we provided a Welcome Letter to our customer, informing her that the ****************** of her ****** MasterCard account was transferred to Servicing Solutions effective November 4, 2024. The welcome letter included information regarding our acceptable payment option methods, our contact information, hours of operation, and our customers assigned account number. (As evidenced by Attachment #2)
  - To clarify, all terms and conditions our customer agreed upon within the ****** Business Cashback MasterCard Account Agreement (Agreement), as well as the account data given to us by the previous servicer, Concerto, inclusive of repayment terms, APR rates, applicable fees, disclosures related to the calculation of her daily interest, as well as credit bureau reporting were not changed or modified during the transfer of Servicers. (As evidenced by Attachment #3)
  - In response to the customers compliant, we are unable to confirm that Concerto, consented to a reduction of monthly payment and interest rate. This type of reduction only occurs when an active duty Servicemember Civil Relief Act benefits are applied to the account or when a debt has been refinanced. Under no additional circumstances is a servicer able to change the contractual agreements signed by the customer.
  - In review of Concertos October 2024 account notes, we are able to confirm that our customer received a temporary reduction in monthly payment because she was affected by Hurricane ******.  We request that our customer review all documents provided to her by Concerto, as well as provide us with any supporting documentation regarding this matter.
  
  In closing, we would like to thank you for this opportunity to respond and hope that we have helped to clarify the matter for the customer. If our customer has additional questions or concerns, please contact Servicing Solutions directly at ************.

  Customer Answer

  Date: 02/21/2025

  I am rejecting this response because:   The company only gave me one payment reduction. I continued to call the number provided but was told several times they cant help me with payment arrangements. I asked to speak to someone that could and the said three times they would send my request to upper management and someone will call me. I did just that but no one contacted me. 

  Business Response

  Date: 02/27/2025

  Servicing Solutions, LLC (Servicing Solutions) is in receipt of the rejection response sent by our customer for the referenced complaint, we welcome this opportunity to respond to help clarify and resolve the matter. Please allow this letter to serve as our formal response.
  
  Please find the following summary of facts that resulted in the current status of this account:
  
  - To answer the rejection response from our customer, the prior servicer, ********************* (Concerto) provided a one-month deferment to our customer due to Hurricane *****. This reduction in payment was applied in October 2024.
  - As stated in our previous response, as a servicer, we are not able to modify the contractual agreement signed by the customer, which includes the required monthly payment amount.
  - Servicing Solutions recognizes that our customer is submitting monthly payments at this time, however, the payments are not satisfying the minimum monthly payment amount as agreed upon in her ****** Business Cashback MasterCard Account Agreement (Agreement).
  
  Servicing Solutions would like to stress the urgency for our customer to contact us and discuss payment arrangements regarding the past due (total) amount of $950.00 for January 19, 2025 and February 19, 2025.
  
  In closing, we would like to thank you for this opportunity to respond and hope that we have helped to clarify the matter for the customer. If our customer has additional questions or concerns, please contact Servicing Solutions directly at ************.

• Initial Complaint

  Date:01/23/2025

  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.

  Serving solutions is a debt collection company. I was making monthly payments and I told them to stop contacting me I would make the payments when I had the funds. On January 12, 2025 I login on to their site to make a payment and it kept giving me error codes. I reached out to them the next day and they act like it wasnt happened. I still need to make a payment for this month and they blocked me. I have proof. I think they want me to miss payments so they can add it to my credit reports.

  Customer Answer

  Date: 01/23/2025

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

   

  this is the company 

  Business Response

  Date: 02/06/2025

  Servicing Solutions, LLC (Servicing Solutions) is in receipt of the above referenced complaint, and we welcome this opportunity to respond to help clarify and resolve the matter.Please allow this letter to serve as our formal response.
  
  Servicing Solutions is a Texas based ************************* that provides Loan Servicing for various clients, including loans originated by ****** Business Cashback ********** (****** **********). As a servicing company,we do not originate loans, extend credit,conduct credit inquiries, or establish credittrade-lines for applicants of the clients we service.Contrary to what our customer indicated in her complaint; ********************** is not a debt collections company.
  
  Please find the following summary of facts that resulted in the current status of this account:
  
  - Our records confirm that our customer opened a business credit card with WebBank, on June 17, 2022, in which ********************* (Concerto) was the Servicer.
  - On or around October 1, 2024, Concerto sent Good-bye Letters to all customers advising that the ****************** of their accounts were being transferred to Servicing Solutions.
  - On or around November 4, 2024, we provided a Welcome Letter to our customer, informing her that the ****************** of her ****** MasterCard account was transferred to Servicing Solutions effective November 4, 2024. The welcome letter included information regarding our acceptable payment option methods, our contact information, hours of operation, and our customers assigned account number. (As evidenced by Attachment #1)
  - On January 6, 2025, we received an email from our customer requesting that we stop contacting her by telephone and email. Per this request, we ceased communication with the customer. (As evidenced by Attachment #2)
  - As part of our secure online payment portal process, the customers email address is required for verification and sign-in requirements. We have re-established the customers email address to her online account and our customer should be able to access and process her payments as normal.
  
  We sincerely apologize to our customer for any inconvenience she experienced with our secured online portal. Also,as a friendly reminder, as indicated in our customers Welcome Letter, in addition to online payments, we also accept other payment methods such as enrolling with our recurring monthly automatic drafts, pay by phone with a live agent, payments by mail, and payments via bill pay through our customers banking institution.
  
  ********************** would like to stress the urgency for our customer to contact us, to discuss payment options regarding the past due (total) amount of $608.00, for October 12, 2024,November 12, 2024, December 12, 2024, and January 12, 2025.
  
  In closing, we would like to thank you for this opportunity to respond and hope that we have helped to clarify the matter for the customer. If our customer has additional questions or concerns, please contact Servicing Solutions directly at ************.