BLINCLOANS, INC. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
04/26/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • AZ
  • XXXXX
Web
Called in to XXXX Blinc I am a long time on time paying customer spoke to a rep names XXXX XXXX requesting a refinance explained to her that I was laid off for several months but continued to make my payments on time and that I just started back working XXXX and wanted to set up the allotment to start refinance she said all I needed to do was add their routing and account number to my employee direct deposit I finally did reached back out to get the process started only to be told by another specialist I dont qualify I then requested a supervisor spoke to XXXX XXXX XXXX XXXX he assured me he would call me back same day XXXX after speaking to their IT dept for an override he never called back I explained to both XXXX XXXX XXXX that payments were still being made on time even after my layoff they both agreed XXXX throughout the course of helping assured me all I needed to do was add the routing and account number and the refinance would be processed then on yesterday XXXX after being added it was oh we cant help you need XXXX consecutive allotment payments made on time I said I want told that this entire time I only have 2 payments left why would I add them when I could just continue to pay out my personal account if I couldnt refinance received an auto reply email that stated you just needed XXXX on time payments the word allotment was never mentioned so technically I qualified. Ive made several email and a phone attempt to speak to XXXX today because I never heard back and they have gone unanswered. XXXX admitted to setting up the wrong expectation and tried to apologize its too late I am in need until I get about 2 paychecks from my new employer and the supervisor has yet to respond. I have proof of the auto reply email and conversation between XXXX and I again why would I go through the trouble of having my new employer add XXXX Blincs routing number and I only have 2 payments left starting XXXX I could have kept paying out my personal account I only had it added for refinance purposes this company needs to do the right thing and honor my request
12/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MD
  • 20747
Web
I would like to file a complaint against XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The complaint is in reference to XXXX failure to credit payment to my account in a timely manner as the delay may result in additional finance or other unnecessary fees. On XX/XX/2021, I received an installment loan in the amount of {$2000.00} from XXXX. The terms of the loan agreement require repayment bi-weekly by payroll allotment in the amount of {$89.00} with payments beginning on XX/XX/2021. XXXX XXXX XXXX received the first payment on XX/XX/2021 as shown in the payment history ( Attachment XXXX ). Payment was received before the due date because my employer provided the allotment early due to the XXXX XXXX XXXX on XX/XX/2021. On XX/XX/2021, I contacted XXXX, customer service representative at XXXX by chat to inquire about the XX/XX/2021 payment/allotment that was not showing in my account payment history. I was advised that my payment had been received, but likely had not posted yet due to the holiday ( Attachment 2 ). On the same day of XX/XX/XXXX after receiving confirmation of receipt of my payment, I received an email from XXXX XXXX, Retention Manager at XXXX that my XX/XX/2021 payment had not been received ; and furthermore, that OneBlincs grace period for credit report is ending and that I should make a payment to prevent any interruption in OneBlinc perks and/or fees. ( Attachment 3 ). On XX/XX/2021, I contacted XXXX, customer service representative at XXXX by chat to inquire about the XX/XX/2021 payment/allotment that was still not showing in my account payment history and also the email I received from XXXX XXXX XXXX I was informed that the payment had not posted and the email received regarding the missed payment was likely sent to me prematurely. ( Attachment 4 ). As of XX/XX/2021, XXXX has not provided an explanation why my payment has yet to be posted or updated my account information to reflect the XX/XX/2021 payment.
11/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90250
Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with BLINCLOANS for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
07/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44143
Web
I have consistently been trying to dispute errors on my credit report, On my credit report for XXXX XXXX XXXX XXXX XXXX, the loan balance that's showing is incorrect, I have made all my payments to current and my current balance as of XX/XX/2023 is {$1000.00}. On my credit report its stating that I have a balance of {$1500.00} that is incorrect!!!!!!!!!!!!!!. I have sent numerous documentation providing that the information is incorrect but XXXX has failed to update this information. I have supporting documents stating that the loan balance for XXXX XXXX XXXX XXXX XXXX is incorrect, This needs to be updated to current and the current loan balance amout which is {$1000.00}. XXXX need to update this information to the current amount and loan statues Blincloans, Inc Has been reporting my credit report as late and a balance of XXXX this information is incorrect!!!!!!!!!!!!!. I have been paying all my loan amount and the current balance of Blincloans , Inc is {$200.00}. XXXX Failed to updated this information on my credit report. I have documentation stating that my account is current. I have been reaching out to XXXX and the credit agency. I was informed that my account are both current and needs to be updated.
04/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 207XX
Web
I've been a customer of XXXX for a 1 year now. I had a total of refinance 's with oneblinc maybe 3 or 4, I paid off one loan completely through my Federal Government payroll every two weeks. They don't explain the high interest rates, they'll be charging you before you apply ahead of time for a loan. My last refinance was XX/XX/2021 the last balance update shows {$3600.00}. Here 's my problem the last time XXXX updated all 3 of credit reporting agencies was XX/XX/2021, the balance shows {$4900.00}, but on my account it shows {$3600.00} as the refinance which was completed on XX/XX/2021. I'm confused how they operate. XXXX gets a total XXXX, that's biweekly from my Federal Government paycheck that's is {$90.00} biweekly. Truthly I feel the company isn't being honest with posting my correct balance. I requested an audit of my account they haven't provided it too me. I need to know if my balances are correct. They need to update all 3 of the credit Bureau agencies, with the correct updates. They skips months of updating the my credit reporting. That doesn't look good on XXXX. I feel like I can't trust them.
07/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 64133
Web
I fell behind in my loan due to personal issues and me being a XXXX mom of XXXX I was notified by the company that I can renegotiate my loan which is XXXX and they will take XXXX XXXX my loan which would be about XXXX I went to apply for the renegotiate and tit still showed my current loan of XXXX without the XXXX XXXX and they were charging me XXXX in Finiance charges which brought the total to XXXX to pay off I called the company to explain to them my calculations how was it that much when my annual rate is XXXX XXXX she didnt say anything until I acknowledged that it was predatory lending and I will be reaching out to file a complaint she then said dont do that it was just a system glitch and that my loan will be XXXX I asked her what the financie charge will be she wouldnt give me an answer said a supervisor would be calling me no one ever reached out I received an email saying my account was past due XXXX which its not only XXXX and wanted me to pay immediately they have now been sending me invoices telling me to pay
01/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MD
  • 21220
Web Servicemember
XXXX was located on a list of loan companies that cater to federal employee 's and XXXX allotment loans. On XX/XX/23 I was attempting to get a loan from them when XXXX of the steps asked me to input my username and password for XXXX Knowing that XXXXXXXX XXXX XXXX XXXX XXXX XXXX is a government system I found it a little disconcerting that they would ask for this information. XXXX, when we employee 's go to access XXXX the very first thing we see is the warning about proper use of government systems. They use a system called XXXX. You are supposed to enter your government username and password and then XXXX uses that to confirm access to the site. I asked them if this was legit and they said yes. XXXX XXXX XXXX and I have my doubts, So I did not take the loan and I am reporting it here, Maybe I'm wrong and it is permissible... but i would rather report it and be wrong then not report it and something happen to someone.
12/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 366XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result I fell behind on payments. I spoke with a representative from XXXX XXXX that offered me re-mortization on loan. She told me that after I made XXXX XXXX payments that they would forgive late payments and report loan as current to credit bureaus which has not happened even though I'm making payments on time. As a result, the reported late payment is negatively impacting my credit preventing me from closing on my house. I have worked hard to improve my XXXX XXXX. I called company and requested removal of late payment and a representative told me that they can't remove late payments once it's report. Please help!
05/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 94544
Web Servicemember
I got a consolidation loan with XXXX XXXX XXXX XXXX they gave me a draft check. I tried to call and email. I made numerous attempts attempts to communicate they blocked my phone number.XXXX XXXX received my check but they said couldnt accept my payment because of the name.On the website and credit it is listed as One Blinc they are telling me Blinc loans now. I dont believe I should have to pay One Blinc because lack of communication and they causing undue stress try to XXXX XXXX will not reissue the payment since it is not listed properly on website or credit report.
07/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30060
Web
Im trying today this loan off and have sent them 3 checks. Last check sent was delivered by XXXX XX/XX/2023 and was certified funds in a cashiers check from XXXX XXXX XXXX XXXX. Total amount of check is {$4000.00}. Which is pay off loan however they are failing to post it and close my account. They are now emailing me threatening adverse actions to my credit report.
12/04/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 705XX
Web Servicemember
i just want this loan cleared off my credit report i was told it would be updated to a XXXX balance on XXXX XXXX XXXX. I call again this morning and they tell me i have to wait another 30 days even though i paid it off on the XXXX of XX/XX/2023.
08/31/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 94544
Web Servicemember
I overnight a payoff check and the company lost my check. I was provided the wrong address on email. I asked to speak to management or legal they refused let me talk to management.
10/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22206
Web Servicemember
XXXX is a third party biller who is incorrectly reporting delinquency on an XXXXBlinc personal loan. I have and will continue to pay my original creditor, XXXXBlinc directly.
11/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • 95355
Web
have an payday loan that i didnt apply for also have had it removed from my report before and it has reapeared on my account need it removed. Blinc loans XXXX
05/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • XXXXX
Web
On my credit report- XXXX is being reported as a charged off. Account # XXXX. Yet, I am paying BLINC - This account is not settled or charged off.
01/12/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30213
Web Older American, Servicemember
01/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75036
Web
11/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • IL
  • 60477
Web
07/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35040
Web Servicemember
04/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • DC
  • 20020
Web
01/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30310
Web
12/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WV
  • 26501
Web Servicemember
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30054
Web
11/14/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20910
Web
10/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • KY
  • 40203
Web
09/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30043
Web
09/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30043
Web
12/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33511
Web