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          Business Profile

          Consumer Finance Companies

          Cactus Credit

          This business is NOT BBB Accredited.

          Find BBB Accredited Businesses in Consumer Finance Companies.

          Complaints

          Current Alerts For This Business

          Pattern of Complaint:

          As of April 22, 2021 BBB files indicate that this business has a pattern of complaints concerning the following issues:

          Sales Issue
          - Delay on the action that has to be taken.
          - A lack of explanation on the policy and the payment process.

          Contract Issue
          - Despite the cancellation request, money keeps being withdrawn or an unauthorized payment happens.

          Customer Service Issue
          - Nothing changes / Credit score goes down.
          - Taking money without permission.

          We offered Cactus Credit the opportunity to address the above identified patterns and Cactus Credit implemented changes in their process to mitigate some common issues raised through consumer complaints. We have also noticed that a number of complaints has dramatically decreased:
           
          Sales Issue
          - Rush customers to have a contract signed quickly.

          Customer Service Issue
          - Inability to track progress.
          - Not reporting properly to credit unions.

          Need to file a complaint?

          BBB is here to help. We'll guide you through the process.

          File a Complaint

          Complaint Details

          Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

          Showing all complaints

          Filter by

          Complaint Status
          Complaint Type

          • Initial Complaint

            09/09/2024

            Complaint Type:
            Billing Issues
            Status:
            BBB unable to locate business
            I am writing to dispute unauthorized inquiries on my credit report that I believe are the result of identity theft. I have filed a complaint with IdentityTheft.gov regarding this matter, and I am enclosing copies of that complaint along with any supporting documentation.The unauthorized inquiries in question are:Creditor: XACTUS Date of Inquiry: 10/18/2022 These inquiries were not authorized by me, and I request that you remove them from my credit report immediately. The presence of these inquiries is causing undue harm to my credit score and financial reputation.Please confirm receipt of this letter and provide me with a response outlining the actions taken regarding these unauthorized inquiries.Thank you for your prompt attention to this matter.

          • Initial Complaint

            16/02/2024

            Complaint Type:
            Product Issues
            Status:
            BBB unable to locate business
            Company was suppose to consolidate my credit cards and loans. Was told I have to pay a processing fee of $1000. Now company is out of business and I can't get ahold of them to return money. Nothing was done on their end except for take the money.

          • Initial Complaint

            28/12/2023

            Complaint Type:
            Service or Repair Issues
            Status:
            BBB unable to locate business
            Ive been paying cactus credit over the past year and they up and disappeared within the last few months without helping me fix my credit. Ive been trying to reach them but it looks like theyve closed down. Ive payed quite a lot to them and am panicked. Please helpb

          • Initial Complaint

            21/12/2023

            Complaint Type:
            Product Issues
            Status:
            BBB unable to locate business
            I am a customer of ********************** relief They were helping with my debt. I paid them two hundred and sixty two dollars and thirty four cents out of fifteen hundred Now I cannot get ahold of them. Phone number no longer in service And website not working I'm filing a complained to get my $262.34 back.

          • Initial Complaint

            11/12/2023

            Complaint Type:
            Product Issues
            Status:
            Unanswered
            Oct 23 2023 I contacted Catcus Credit- I have since wanted to cancel my agreement with them as I did not provide them with the info they needed as I had a change of heart- I didnt feel comfortable with them once we spoke They took the ****** out of my account on Nov ******* There is no way to reach these people there phone numbers are "not *********** the links on the emails I have rec'd go to error code- I believe they are scammers regards *****************************

          • Initial Complaint

            08/12/2023

            Complaint Type:
            Product Issues
            Status:
            Unanswered
            I found out today from going online. This company has shut its doors as of November 17th. that was the same day. They sent me all my paperwork for a service. I purchased which was credit repair. they withdrew the money November 15th.* ******* **** ********* *** **** *************

          • Initial Complaint

            01/12/2023

            Complaint Type:
            Customer Service Issues
            Status:
            BBB unable to locate business
            Cactus credit called me and I agreed to have my credit score worked on, payed money up front and have had payments coming from my account actively and no one will contact me , all emails get sent back, phone number is cut off.. *** **** ***** ********* ** * *** ******* ** * ********* Please help. Thank you

          • Initial Complaint

            23/11/2023

            Complaint Type:
            Product Issues
            Status:
            Unanswered
            Hi I signed up with Cactus Credit, **** **** ***** * ******** ********. Their business now says closed and thier number is disconnected. Can they still take money out? why did they sign me up when they knew they were closing the company?

          • Initial Complaint

            23/11/2023

            Complaint Type:
            Product Issues
            Status:
            Unanswered
            Within 24hours of signing up I had buyers remorse and called them. Told them I could not afford program at the time they convinced me to wait a couple of weeks to give it a chance. Called and emailed a few weeks later and was told I could not turn back. They took their first payment on October 27th and the took a second payment unauthorized on nov 10th. Called them and told them to put my money back. They asked me to wait until Nov 15th for them to investigate. Called back phone stated to check number. Have tried calling ******* ********* and ****** all phones out of service stopped payment for upcoming payment on the 28th but now hearing through customer complaints they will try different amounts. Website says ********* permantly closed.

          • Initial Complaint

            20/11/2023

            Complaint Type:
            Product Issues
            Status:
            Unanswered
            I talked to them about a consumer proposal, they took the first two payments of $174.83 each, so they could start the process. Each month after that is supposed to be 148 I believe. I've been unable to get in touch with them, they're not answering texts or emails. Also unsuccessful on the phone and actually today the recording says that the number is not listed anymore. I'm hoping you can help me, I really couldn't afford that money and I have no heat right now since my hydro is off

          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. ↩

          BBB Rating & Accreditation

          NR

          This business is not BBB Accredited

          Search for Accredited
          Businesses in this category

          Years in Business: 8

          Customer Reviews are not used in the calculation of BBB Rating

          Reasons for BBB Rating

          Contact Information

          327 6647 Fraser St

          Vancouver, BC V5X 3T6

          (855) 804-2590

          Customer Complaints Summary

          75 total complaints in the last 3 years.

          1 complaints closed in the last 12 months.

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          BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

          When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

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