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Business Profile

Payday Loans

Fineday Funds

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Payday Loans.

Complaints

Customer Complaints Summary

  • 100 total complaints in the last 3 years.
  • 26 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:04/11/2025

    Type:Billing Issues
    Status:
    Resolved
    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.
    A loan was taken out in the amount of $1000. Interest rates were not disclosed at time of application and are above federal limits. The APR that is being charged is illegal and I would like this account closed and charged off.

    Customer Answer

    Date: 04/18/2025

    I have contacted the business several times via phone and have only been offered a discount on the next payment which is not a satisfactory resolution for the complaint. 

    Business Response

    Date: 04/23/2025

    Please see attached response. 

    Customer Answer

    Date: 04/24/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

    I have not received any communication from Fine Day Funds nor an email as stated with a proposed resolution. Please provide this communication and resolve the existing loan. 

    Regards,

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

    Business Response

    Date: 04/29/2025

    Please see attached response.

    Customer Answer

    Date: 04/30/2025

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    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:04/07/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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 took out a $300 loan and asked to pay it back early. I have been paying $98 every other week for over a month, and when I went to my account to see when my final payment would be. They are saying my loan balance is $1574. When I called them, they are saying I called a day in advance of when I could ask for an early payout and I was supposed to call the day after I received my funds. So, essentially I have paid back my loan amount plus a couple hundred dollars. This is the most underhanded predatory lending I have ever experienced and they should be shut down.

    Business Response

    Date: 04/09/2025

    Please see attached response. 

  • Initial Complaint

    Date:03/27/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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 got a loan of ***** they ran it to ******** i am also in ******* which is a state they are not supposed to give loans to and I am military they have not honored SCRA

    Business Response

    Date: 04/01/2025

    Please see attached response. 

    Customer Answer

    Date: 04/05/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

    [Please type your response here.]

    Regards,

    ******* ****

    Business Response

    Date: 04/17/2025

    Please see attached response. 

  • Initial Complaint

    Date:03/26/2025

    Type:Sales and Advertising Issues
    Status:
    Resolved
    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 fine day funds are taking advantage of the people they due not care about customers anymore that's why people are writing bad reviews about them there intreset rate is so high and they due not care about customers and people paying them more back because fine day funds take more money back from you

    Business Response

    Date: 03/26/2025

    Please see attached response.

  • Initial Complaint

    Date:03/05/2025

    Type:Billing Issues
    Status:
    Answered
    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 took out a thousand dollar loan with them with the understanding that I had to pay a little over fourteen hundred to pay it off. After I made the first two payments of $409, i called to check that the March payment and then if the April payment would only be half the amount to finish paying off the loan and they told me no, that if I went to the length of the loan, which would be December of this year, the total balance I would have to pay is $4090 The $409 for an entire year. I told them that is not what I agreed to that is not what was told to me. And they said that the 1400 amount was only if I paid it off before the first payment was due, and that they are charging me ******% interest per day. I told them that no one in their right mind would agree to that that it was very misconstrued, and I felt very lied to. My only option now is to pay $1075.21 by March 14th to pay off the loan, which means in total, I will have paid $2302.21 for a $1000 loan that i've had for 3 months.

    Business Response

    Date: 03/06/2025

    Please see attached response. 

  • Initial Complaint

    Date:02/18/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    2/13/2025 I applied for a personal loan that I was told ** receive on 2/15. On 2/16 I contacted the company and was told that my loan was processed late and I would get it the next business day which would be the 18th because of the holiday. On 2/18 I still hadnt received the loan. When I called a female representative said it could be today up until 3 business days. I called later and another male representative said I would definitely have it by 5pm. After not receiving anything by noon I called back asking for a manager. I was transferred to a male named ****** who identified himself as a floor supervisor. He asked had my acct information been verified. He said that my banking account number looked too long. I explained to him that I was given 4 different stories and I was starting to think his company was a scam. On their website it states you can get a *************** Transfer to receive funds by 3pm. ****** tells me that I would have to request that the time of my loan request. He said my loan was submitted to my **** via *** and it could take up to 3 business days. He even stated the holiday messed everything up. I restated that it sounds like his company is a scam and he said Um. At that time I hung the phone up and no funds have been deposited into my account.

    Business Response

    Date: 02/20/2025

    Please see attached response. 

  • Initial Complaint

    Date:01/30/2025

    Type:Sales and Advertising Issues
    Status:
    Answered
    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 had taken out a loan with fineday and paid it off doing exactly what was stated to do, the day my loan was paid off they also took the scheduled payment of ***** meaning i overpaid by that amount, fineday refuses to credit back the ***** in overpayment. All I asked of them was to credit me back the money I overpaid

    Business Response

    Date: 02/03/2025

    Please see attached response.

    Customer Answer

    Date: 02/03/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

    [Please type your response here.]

    Regards,

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

  • Initial Complaint

    Date:12/15/2024

    Type:Order Issues
    Status:
    Answered
    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.
    Borrowed 1000 and with 12 installments and very high interest rate, will end up paying back over 5000. Where is all that extra money going? Already paid back 1800 in four payments. Was told eight more payments still.

    Business Response

    Date: 12/26/2024

    Please see the attached response. 

  • Initial Complaint

    Date:11/01/2024

    Type:Product Issues
    Status:
    Answered
    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 took out a loan with Fineday on September 11th 2024. I had made additional payments thoughout the loan totalling $3900.00. with a $445.00 overpayment. A payment was made on 10/29. I made several email requests for the credit to been sent and no one responds. Please refund additional funds that were sent in error.Thank you,***** ******

    Business Response

    Date: 11/07/2024

    Please see the attached response. 

  • Initial Complaint

    Date:10/16/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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 lost my dad feb. 23, 2024...my husband and I paid for his funeral, taking out loans, maxing out credit cards, everything we could do to pay. I got a loan on line from these guys, only got $1200, they've been taking $320 from my checking account for sometime now, so this has been paid off...except they show me still owing over $3100 due to an 800% interest rate because I didn't pay it back within a couple months!! I've contacted my bank, they have stopped automativlc payments to this company..the last payment was Oct. 4th unfortunately my bank can not reverse this one. They also say in their disclaimer they do not fund *********, which is funny because I live in ***********, *********!!!!

    Business Response

    Date: 10/22/2024

    Please see the attached response. 

Fineday Funds is NOT a BBB Accredited Business.

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