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Complaint Details
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Initial Complaint
06/21/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I receive a loan from this establishment over a year ago. Making payments faithfully. Checking my balance, I owe more than the actual loan received. I just needed some sort of resolution.
Business response
06/28/2024
A formal response has been mailed and emailed. Please allow 7-10 business days for delivery. Thank you.Initial Complaint
06/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I asked this company to stop communicating with me, specifically by reporting on my consumer report an alleged debt that has been deemed unverified as per Federal law Pursuant 12 CFR 1006.34(c) due to the fact that you did not follow (are still are not following) federal law. Once again You are reporting a debt tht can not be verified plz stop. Due to the deceptive practice With your pre-generated answer to my cfpb complaint its evident you will not comply to my request, and you will continue to violate and circumvent the **** with these prefabricated responses but still ignoring consumers requests.Business response
06/12/2024
A formal response has been mailed and emailed. Please allow 7-10 business days for delivery. Thank you.Customer response
06/12/2024
Complaint: 21788263
I am rejecting this response because:this response doesnt address my rights being violated. This company Admitted that its sold my alleged debt to another company to which is a direct violation. Under section 615(f) of the **** states When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt. This Company knew this account was the result of identity theft because a FTC report was filed and sent to Finwise and lending point but this company Proceeded in the cell of the debt
Sincerely,
*************************Business response
06/14/2024
A formal response to this rejection has been mailed and emailed. Please allow 7-10 business days for delivery. Thank you.Customer response
06/14/2024
Complaint: 21788263
I am rejecting this response because ************ has violated several of my right under the fair credit report act and this can and will be Shown and Proved in court.1) I can show that my identity theft claim was valid thats why all three Credit Bureaus agreed to delete the inaccurate information. ************ has a Financial interest to try and force me to pay this debt. 2). I can show via Certified mail dispute letters that I have sent this company and Lending point demanding method of validation, and it has not been provided. I have not been provided majority of the letters you attached to your response. still in none of those letters, the method of Validation has not even been mentioned let alone provided, however I can provide copy of disputes wit Certified tracking asking for such validation to which I have not received as of yet rendering this account unverifiable ******* usc 1681i (A)(5)(a) of the **** which is another reason why this account should not have been sold.
Sincerely,
*************************Business response
06/17/2024
We are in receipt of your BBB dispute dated June 17, 2024. As permitted by law, we have determined your most recent dispute to be frivolous and duplicative. Your most recent claim is therefore given the same response as provided previously. FinWise no longer owns your account and can no longer provide you with the assistance which you seek. We respectfully direct you to contact ********************************* LLC at ******************************. They are the current owner of your account.
We recognize this is not the response you are seeking; however, any further rejection will no longer be responded to, as we have responded with all the information that we have available to us, and that we are obligated to provide.
Initial Complaint
05/25/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
Took a large amount of money out of my bank account!Business response
05/30/2024
A formal response has been mailed and emailed. Please allow 7-10 business days for delivery. Thank you.Initial Complaint
05/22/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
This bank name appeared on my credit report stating an account was opened on May 21, 2024. I have not opened an account with this bank. I would like to know the details of that account and have it closed if it was opened in error or fraudulently in my name.Business response
05/31/2024
A formal response has been mailed and emailed. Please allow 7-10 business days for delivery. Thank you.Customer response
06/03/2024
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.
Sincerely,
***************************Initial Complaint
04/15/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Fraudulent account was opened in my name by Finwise, they have illegally opened an account that doesnt belong to me, this is blatant identity theft. If the fraudulent account is not removed from my credit report I will file a lawsuit and make a report to law enforcement.Business response
04/24/2024
A formal response has been mailed and emailed. Please allow 7-10 business days for delivery. Thank you.Initial Complaint
03/13/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
$50.00 presented to my bank for payment to Finwise Bank in ****. When I called to question the charge, I was told the bank didn't know what the charge was for, other than perhaps a fee for credit check and suggested I contact ****************** in *****. I called ******************. I was asked for my social security number, and I refused, and was told they can't help me without the SS number.Business response
03/20/2024
A formal response has been mailed and emailed. Please allow 7-10 business days for delivery. Thank you.Initial Complaint
03/09/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I'm writing to urgently address the errors on my credit report resulting from the disclosure of my personal information to credit bureaus. This situation has led to significant financial and emotional distress.As stated in 15 USC 1681 Section 602, I affirm my right to financial privacy and expect the confidential handling of my information.Moreover, 15 USC 1681 Section 604(a)(2) prohibits a consumer reporting agency from sharing account details without my explicit consent, which I have not provided.The discrepancies associated with FINWISE/AFF have negatively impacted my financial situation, prompting immediate correction.I also emphasize adherence to 15 USC 1666(b), which prevents creditors from treating credit card payments as late under certain circumstances.Below, you'll find my account details for your reference:Account Number: ****************I urgently request a thorough review of my account, prompt rectification of credit report inaccuracies, and strict compliance with federal laws governing my information.Failure to address these issues promptly may result in legal action. Your prompt attention to this matter is greatly appreciated.Sincerely,***************************Business response
03/20/2024
A formal response has been mailed and emailed. Please allow 7-10 business days for delivery. Thank you.Initial Complaint
02/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I paid this bill off in May 22. I called and talked to ******, seeing if she can have this removed from all 3 credit bureaus. I sent an email to **************************. This is what is affecting my credit score. I would appreciate it and thank you in advance!Business response
02/21/2024
A formal response has been mailed and emailed. Please allow 7-10 business days for delivery. Thank you.Initial Complaint
02/12/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
This is a predatory loan. The interest rate is more than 100%. Regardless of the amount of monthly payments made the balance is does not decrease at all. You actually owe more even after 6 months of payments with no balance decrease insight. This is an unfair and abusive loan terms that leaves people in dire financial situations. This company is using unfair and abusive loan terms with extremely high interest rates, loan terms, and high fees. No loan that has payments of ****** a month for four years should have a higher balance owed than what was originally borrowed. My request is for this to be removed from my credit as closed. I have paid approximately ***** dollars on a 4k loan and still owe 4800 dollars.I file a complaint with BBB and the response i gained on 2/12/24 is as follows:"The lender for this loan is FinWise Bank. Please refer this complaint to their Better Business Bureau page so they may adequately respond. "This is not a response and then leaves no additional instructions on how to get to "their Better Business Bureau Page" and when searching for this information leads me back here. I have a feeling this will be a rowing in circles ordeal in which they can avoid providing a response.Business response
02/21/2024
A formal response has been mailed and emailed. Please allow 7-10 business days for delivery. Thank you.Initial Complaint
02/06/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with 12 Upstart Loan. I do not have a contract with Jefferson Capital System. they did not provide me with the original contract as I requested.Business response
02/12/2024
A formal response has been mailed and emailed. Please allow 7-10 business days for delivery. Thank you.
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Contact Information
Customer Complaints Summary
108 total complaints in the last 3 years.
36 complaints closed in the last 12 months.