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NC Financial Solutions, LLC

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NC Financial Solutions, LLC Reviews (73)

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionOn June 23, 2016, Mr [redacted] applied for a loan with NetCredit However, upon completion of final checks, including verification of information provided, Mr [redacted] was turned down for a loan We provided Mr [redacted] with a written notice (via email) outlining specific reasons why his application was not approved at the time he appliedIf Mr [redacted] has any questions regarding this notice, he should contact NetCredit at the address and telephone indicated below: NetCredit Attn: Credit Service Manager [redacted] Email: [redacted] We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionOn July, 2015, Ms [redacted] was funded a $1,Installment loan through NetCreditBefore she entered the loan agreement, NetCredit disclosed the Terms and Conditions associated with the loan, including the Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and Payment Schedule in the form of truth in lending disclosuresMs [redacted] then signed her loan agreement acknowledging that she understood and accepted the terms and conditions associated with the installment loanFurther, Ms [redacted] indicated that her pay frequency is monthly; therefore, the repayment dates of the loan have been scheduled according to her pay frequencyIt should be noted that due dates on a NetCredit loan are tied to a customer’s pay datesDuring the time frame in question, Ms [redacted] did not make her payment as contracted therefore collection efforts were initiated on the accountWith regard to the purported ‘no-contact’ provision during the 15-day grace period required by law, NetCredit is not aware of such provision for collection calls At NetCredit, it is always our prioritized goal to adhere to and comply with all regulatory requirements while conducting regular and collection businessWe train our staff accordingly and follow the collection guidelines set forth by the Fair Debt Collection Practices Act (FDCPA) including the Rosenthal Fair Debt Collection Practices ActAt this time, this account is current and our ACH authorization has been canceledWe are always willing to adjust an upcoming due date for Ms [redacted] provided that she gives us at least two business days advance noticeNetCredit strives to provide the ultimate customer experience, as such we will cease telephone communication with Ms [redacted] Should Ms [redacted] have any additional questions we ask that she please contact our customer support team at [redacted] for assistance We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for forwarding the customers correspondence to our attentionAs previously mentioned, Ms***’s account first became delinquent in January and has not been brought current since then Specifically, on May 19, an installment payment of $was dueHowever, Ms [redacted] did not make this payment until July 20, which is over days past dueIt should be noted that our loan agreement lays out the consequences of late paymentsIn addition, our web site’s clear and transparent FAQ section lays out how credit reporting affects our customersBased on our review, NetCredit has submitted accurate information concerning this loan’s account history – from inception through June - to the Consumer Reporting Agencies, and therefore, cannot remove the entries from Ms***’s credit reportNetCredit strives to provide the ultimate customer experience, and we would be more than happy to address any outstanding questions or concerns that Ms [redacted] may have regarding her account and/or balanceWe ask that she contact our customer support team at 877-392-for assistanceWe hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for forwarding Ms [redacted] correspondence to our attentionWe respect and understand Ms [redacted] concerns and the action she plans to take in order to address the situationHowever, as previously mentioned, we are willing to address her concerns and she is more than welcome to still provide the requested documentation so we can launch an investigationShe may submit the documentation to: Fax: [redacted] Email: [redacted] We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Complaint: [redacted] I am rejecting this response because:I wish to no longer conduct business with this companyIn response to the complaints about double payments the company was not willing to help in any way, I should not have to correct it with my bank, it should have never happened and it happened two months in a rowI feel disgusted that I have lowered myself into any contract with a company that is predatory in natureI did sign the documents and that is my fault, if I had known I would not have placed myself in this positionThat is why I wish to discontinue any dealings with this company completelyI want to pay my balance and get rid of stress of a "company" taking advantage of unsuspecting customersI want my account to be sent to collections and closed immediatelyI do not want to talk about about it further, it cannot be resolved other than granting my wishI want to pay the loan back, by all means, but I refuse to be taken advantage ofI want to pay what I owe and no more\Thank you [redacted]

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionOn January 7, 2014, Mr [redacted] was funded a $3,Installment loan through NetCreditBefore he entered into the agreement, NetCredit disclosed the Terms and Conditions associated with the loan, including the Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and Payment ScheduleMr [redacted] then signed his loan agreement acknowledging that he understood and accepted the terms and conditions associated with the installment loanMr [redacted] chose to refinance his loanIn addition, Mr [redacted] loan contract makes clear how payments are appliedPer Mr [redacted] Installment loan agreement, which states in relevant part that: “APPLICATION OF PAYMENTS Payment will be applied first to satisfy any past due amounts owing, and then to any currently scheduled installment amounts owingIf you are past due, we credit all payments received first to the oldest past due amounts owing by applying such to accumulated but unpaid interest, and then to past due principal owingWe repeat the process until all past due amounts have been paid in fullIf you are not past due, we credit all payments to the current or upcoming scheduled installment by applying such to interest, and then to principal as of the date receivedIf an early payment is less than the scheduled installment, then you must pay the difference on or before the upcoming installment due dateEarly payments, which equal or exceed a scheduled installment, will satisfy the upcoming installmentExcess payments received on a scheduled installment due date will be credited to any accrued and outstanding interest, then principal, and not credited to upcoming installmentsTherefore, you must pay the next installment as scheduledPayment of principal may reduce (i) total amount of interest you are scheduled to pay under this Agreement, (ii) the number of payments, and/or (iii) the final payment.” In addition to the agreement, information about repayment is laid out on our website’s FAQ’s page Our FAQ’s page can be accessed at the following URL: https://www.netcredit.com/faq On January 31, 2017, a contractual installment payment of $was dueMr [redacted] contacted our customer support department and scheduled an additional payment of $6,to be debited out of his bank accountOn February 1, 2017, the additional payment of $6,was applied to his outstanding account balanceMr [redacted] account was not past due when he made a non-contractual payment of $6,Since his account was not past due, the payment was applied to his upcoming scheduled installment due on February 15, Based on our review, Mr [redacted] payments were applied correctly and in accordance with the terms laid out in the agreementIn addition, nothing has come to our attention that causes us to believe that we have breached applicable regulations or standardsAt this time, Mr [redacted] has paid the full balance of the loan and does not have an account balance with NetCreditHowever, we remain committed to providing the ultimate customer experience, therefore we ask that he contact our Customer Service Team at [redacted] , should he have any additional questions or concerns regarding his accountWe hope that this response clarifies the situation and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for forwarding this complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolution According to our records, NetCredit funded a $1,Installment loan to Ms [redacted] on March 11, after receiving a loan application completed with her personal information On August 23, 2016, Ms [redacted] reported that she did not apply for the loanNetCredit advised Ms [redacted] that in order for NetCredit to investigate her claim, it would need a copy of a police report or fraud affidavit After a careful investigation, it was determined the deposit of $1,was credited to a bank account registered to her name ending in [redacted] - with [redacted] - on March 11, Therefore, based on our findings, and information available to us, we are not able to confirm that fraud occurred NetCredit strives to provide the ultimate customer experience and are more than willing to address any outstanding concerns she may haveWe ask that she please contact our customer support team at [redacted] for assistance We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Complaint: [redacted] I am rejecting this response because: the 98% interest rate should be illegalUnfortunately I did not catch that the payments were bi-weekly and did not realize the total loan amount was over times the loan amount; I took the amount to be monthlyWith the fair credit score I had, I don't understand how I got that interest rateHow do I have a 30k loan with 10% but a 6k with 98%This is more like a long term pay day loanThis is predatory lending, unfair, deceptive basically fraudulentI would like to know how the interest rate was derived.Searching for a better understanding of usury(unreasonable and excessive rates of interest), and the limit for annual percentage rate that a lender can charge Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because: Initial request forwarded 2/18/indicated the exact response stated in this response (days to discontinue mailings)To date it has been 60+ days & I continue to receive mailings (9) therefore the request wasn't adhered toIt is not my responsibility to perform "legwork" by calling a toll-free number to stop the mailingsI did not contact this business for assistance nor do I have interest in any/all services offered & demand a cease and desist of future mailings Immediately! Sincerely, W ***

Thank you for forwarding this complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionAfter a careful review, our records reflect, NetCredit funded a $6,installment loan to an applicate on August 22, after receiving an application completed with [redacted] (formerly [redacted] ) personal informationBefore the agreement was electronically signed, NetCredit disclosed to the applicate the Terms and Conditions associated with the loan, including the Loan Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and the Payment ScheduleOur records reflect that Ms [redacted] made payments in accordance with the payment schedule laid out in the contractMs [redacted] account became delinquent when she stopped payingNetCredit has accurately reported Ms [redacted] payment activity to the credit reporting agenciesOn May 16, 2017, Ms [redacted] reported that she did not apply for the loanAs part of our investigation NetCredit requested that Ms [redacted] provide documents reflecting her claim of fraudOn May 24, 2017, NetCredit received documentation regarding Ms [redacted] claim, however, upon review of the account opened in and related communication, our fraud department determined this was not covered by the recent fraud activity reported by Ms***We are willing to review any additional information that Ms [redacted] believes reflects that the loan was fraudSubsequent to the above fraud claims, Ms [redacted] requested, pursuant to the Fair Debt Collection Practices Act, that NetCredit validate the loanAs such, NetCredit is the original creditor and not required to validate under the FDCPA; however, NetCredit provided her with a copy of the loan and payment historyNetCredit is an online lender and strictly follows the requirement set forth in the Electronic Signa**re in Global and National Commerce Act (“E-SIGN”)As such, Ms [redacted] claim for her signa**re has been satisfiedNetCredit remains willing to review any additional documents Ms [redacted] may have regarding her claimShe may contact the fraud department directly at 888-***- [redacted] ext [redacted] for assistanceWe hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionAccording to our records, NetCredit received an application created with MsHowe’s personal information on March 11, 2016; however, we were unable to approve the requestTherefore, on April 7, we supplied her with a written statement (via email) outlining specific reasons why the application was not approvedOn April 7, 2016, Ms [redacted] contacted us and advised that she did not apply for a loanShe was advised that before we could address the issue the business required a copy of a police report or fraud affidavitShe was also provided with instructions regarding the next steps she should followUnfortunately, NetCredit still has not received the requested documentationNetCredit values the privacy of all our customers and we maintain procedural safeguards to ensure our customers privacy; accordingly, we would not discuss the specific details of the account without the account holder’s permission first If Ms [redacted] is believes that the applications are fraudulent, we ask that she please submit a police report or fraud affidavit so we can launch an investigationShe may submit the documentation to: Fax: [redacted] Email: [redacted] We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionAfter a careful review, our records indicate on March 6, 2018, one of its marketing partners referred the application in question to NetCredit What this means is that Ms [redacted] input her information into another website that then linked her up with NetCredit as a potential lenderAs part of the credit application process, consent was granted to NetCredit performing a credit inquiry so that the application could be considered for an Installment loan Based on the information provided on the application, we could not approve the request for the line of creditAs a result, a Notice of Adverse Action was sent to Ms [redacted] via emailSince Ms [redacted] is asserting that she did not submit an application for credit, we ask that she please file a police report with her local authority and submit a copy to NetCredit to launch an investigationOur fax number is ###-###-#### and our email address is [email protected] we have verified the report, we will handle the claim within business daysPlease note: Ms [redacted] may contact our customer service department at ###-###-#### with any questions or concerns regarding this matterWe hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for forwarding this complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionOn August 26, 2016, Ms [redacted] was funded a $10,Installment loan with NetCreditBefore she entered the loan agreement, NetCredit disclosed the Terms and Conditions associated with the loan, including the Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and Payment Schedule in the form of truth in lending disclosuresMs [redacted] then signed her loan agreement acknowledging that she understood and accepted the terms and conditions associated with the installment loanBased on our review, due to an inadvertent error, Ms [redacted] was advised that her additional payment of $via check was not applied to her accountSubsequently, after further research we advised Ms [redacted] - via email - that the additional payment was indeed applied to her account balanceWith regard to the $8,check payment that Ms [redacted] alleges to have mailed to us on June 5, 2017, we have no record of this checkTo investigate further, we ask that Ms [redacted] provide us with the address where the check was mailed, name of the entity that originated the check, check number, and any other markings that would allow us to track and identify the checkIt should be noted that we have special instructions that we give our customers that want to pay by paper check to ensure that payments are applied on a timely basisIn this instance, we found no record of Ms [redacted] having given us advance notice about her intent to pay by paper checkWe apologize for the mis-understanding this matter has caused MsShoemakerShe may send the requested information to us at [redacted] @netcredit.com or provide the information by fax at (855) ***-***We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Complaint: [redacted] I am rejecting this response because:I am a resident of the Commonwealth of VirginiaSection 6.2-of the Code of Virginia clearly states that any company making a loan in Virginia must have a licensed office within the borders of VirginiaNetCredit's license status in the state of Utah in no way authorizes this transactionVirginia Code section 6.2-states that any contract violating the above-referenced code will be considered void and the lender "shall not collect, receive, or retain any principal, interest, or charges whatsoever with respect to the loan, and any principal or interest paid on the loan shall be recoverable by the person by or for whom payment was made." To date, I have made payments to [redacted] exceeding the original loan amountI wish to have this account closed immediately and removed from my credit report as soon as possible.Sincerely, [redacted] For your reference, please see the following excerpts from the Code of Virginia:§ 6.2-Compliance with chapter; license required; attempts to evade application of chapter.ANo person shall engage in the business of making loans to individuals for personal, family, household, or other nonbusiness purposes, and charge, contract for, or receive, directly or indirectly, on or in connection with any loan interest, charges, compensation, consideration, or expense that in the aggregate is greater than the interest permitted by § 6.2-303, except as provided in and authorized by this chapter or Chapter (§ 6.2-et seq.) and without first having obtained a license from the Commission.§ 6.2-Unlawful contracts void; recovery of amounts paid.AA loan contract shall be void if any act has been done in the making or collection thereof that violates § 6.2-1501.BThe lender on any loan for which a person has taken any action in its making or collection in violation of § 6.2-shall not collect, receive, or retain any principal, interest, or charges whatsoever with respect to the loan, and any principal or interest paid on the loan shall be recoverable by the person by or for whom payment was made

Thank you for forwarding the customers correspondence to our attentionWith respect to our initial response, we apologize for the confusion in regard to not properly addressing Ms [redacted] name in our initial responseAs previously mentioned, before she became bound by the agreement, NetCredit disclosed the Terms and Conditions associated with the loan, including the Loan Duration (months), Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and the Payment ScheduleAll of this information was disclosed to MsMukaz, in addition, she always has the option to view her loan agreement which details all of this information, at any time when she logs into her accountNetCredit values Ms [redacted] as a customer and strives to provide the ultimate customer experience therefore; we ask that Ms [redacted] please contact our Customer Service Team at [redacted] to discuss possible options regarding her account balance.We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionOn March 2, 2015, Ms [redacted] was funded an $Installment loan with NetCreditBefore she became bound by the agreement, NetCredit disclosed the Terms and Conditions associated with the loan, including the Loan Duration (months), Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments, and consequences of non-paymentMs [redacted] then signed her loan agreement stating that she accepted the terms and conditions associated with the installment loanOn September 15, 2015, NetCredit received Ms [redacted] Power of Attorney (POA) from her debt management/credit counseling agency advising that they will be communicating with us on her behalf regarding her account balance As such, NetCredit has not attempted to contact Ms [redacted] since that time.On March 24, 2016, NetCredit spoke with Ms [redacted] and her debt management/credit counseling representatives and offered a settlement of $on her delinquent account balance Ms [redacted] and her debt management company agreed to the offerIn addition to the agreement, her debt management/credit counseling was to submit a written proposal for the verbal agreementUnfortunately our records do not indicate that the debt management/credit counseling submitted the required documentation However, we are willing to accept Ms [redacted] payments towards the settlement arrangement and close her account, however, to confirm the details of the settlement arrangement with Ms [redacted] NetCredit has attempted to contact Ms [redacted] , unfortunately she has not contacted us backWe ask that she please contact [redacted] in our compliance department directly at [redacted] to confirm and finalize the details of the settlement arrangementWe hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionBased on the information provided, it appears Ms [redacted] believes she was charged twice the amount agreed per her contact in the months of September and October On July 21, 2016, Ms [redacted] was funded a $4,installment loan with NetCreditBefore she entered the agreement, NetCredit provided the applicable disclosures and Mr [redacted] signed her agreement acknowledging she understood and accepted the terms and conditions associated with the loanIn addition, the agreement explains the consequences of nonpayment and how it may affect a credit rating In review of Ms [redacted] account, on September 2, a payment of $was dueThe payment was processed via ACH (her primary method of payment at the time), however Ms [redacted] also processed a card payment through her online accountThis caused two payments to process on September 2, When Ms [redacted] contacted us about the two payments, she was advised to contact her bank to stop payment since both payments were in progress at the timeMs [redacted] was able to speak to her bank and have a payment refunded back to her bank accountFollowing the incident above, Ms [redacted] requested to caher payments instead of having payments automatically drafted from her bank accountNetCredit honored her requestOn October 23, Ms [redacted] contacted NetCredit again regarding two payments being processedAfter our investigation was complete, NetCredit confirmed one payment was chargedTo investigate the matter further Ms [redacted] was then asked to provide documentation reflecting the two transactionsAfter that, Ms [redacted] advised NetCredit that her bank was able to resolve the issueOn November 22, NetCredit attempted to process a payment as Ms [redacted] requested, however, the payment was not honored by her bankPresently, Ms [redacted] ’ account is past dueBased on our review, nothing has come to our attention that causes us to believe that NetCredit intentionally double charged Ms [redacted] in September or OctoberIn addition, our review of the loan performance information reported to the Credit Bureaus found that NetCredit is reporting accurately based on Ms [redacted] ’ payment activityNetCredit values Ms [redacted] as a customerAs such, we would be more than happy to address any outstanding questions or concerns that she may have regarding her account and/or available payment plansWe ask that she contact our customer support team at [redacted] We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolution.As an initial matter, NetCredit is authorized to provide financial services to residents of VirginiaPursuant to Virginia law NetCredit provides consumers with an installment loan under our Utah license, pursuant to the Utah Consumer Credit Code, U.C.A70C-1- On September 17, 2013, Ms [redacted] was funded a $2,installment loan with NetCreditShe signed her loan agreement stating she understood and agreed to the terms and conditions associated with the installment loanIn addition, our agreement lays out the consequences of nonpayment and how it may affect a credit rating Ms [redacted] agreed to the following payment schedule allowing payments to be received via Automated Clearing House (ACH).Payment Number Amount of Payment When Payment is Due$Oct 1, $Oct 15, $Nov 1, $Nov 15, $Nov 29, $Dec 13, $Dec 31, $Jan 15, $Jan 31, $Feb 14, $Feb 28, $Mar 14, $Apr 1, $Apr 15, $May 1, $May 15, $May 30, $Jun 13, $Jul 1, $Jul 15, $Aug 1, 2014A review of Ms [redacted] ’ customer file shows that she did not make payments according to the agreed upon payment scheduleOur records reflect she paid the full account balance on October 27, through collectionsWe also reviewed the loan performance data reported to the Credit Reporting Agencies and determined that NetCredit reported accurately based on Ms [redacted] ’ payment history.We hope that this resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for forwarding the customers correspondence to our attentionAs previously mentioned, given the information listed (i.e Home Address) on the complaint, NetCredit has excluded the complainant from our direct listing, however that does not mean that they will not receive offers from other companiesPlease be advised that if the complainant does not want to receive prescreened offers of credit from anyone, they may call toll-free, ###-###-####; or visit [redacted] We apologize, but please keep in mind that it might take some time before the complainant to stop receiving mailers, as they may have been included in a mailing campaign already in-flightWe hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for forwarding the customers correspondence to our attention.As previously mentioned, NetCredit is the original creditor and not required to validate under the FDCPA; however, NetCredit provided her with a copy of the loan and payment historyNetCredit is an online lender and strictly follows the requirement set forth in the Electronic Signa**re in Global and National Commerce Act (“E-SIGN”)As such, Ms [redacted] claim for her signa**re has been satisfied.Further, our fraud department determined that the information provided by Ms [redacted] did not support Ms [redacted] claimHowever, we are willing to review any additional information that Ms [redacted] believes reflects that the loan was fraud.NetCredit remains willing to review any additional documents Ms [redacted] may have regarding her claimShe may contact the fraud department directly at 888-***- [redacted] ext [redacted] for assistance.We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

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Address: 175 W Jackson Blvd STE 1000, Chicago, Illinois, United States, 60604-2863

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