Complaints

• Initial Complaint

  01/29/2025

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I applied for and was approved for a $500 loan. I have paid Credit Cube a total of $571.93. I am in a tight financial bind and cannot pay anything additional. I would like for my loan to be considered paid in full and the account closed.

  Business response

  01/31/2025

  Dear Better Business Bureau,
  
  We are writing to let you know that we have been actively communicating with a customer to fully address her concerns and resolve this matter to their satisfaction. 
  We believe that we are close to reaching a final resolution and hope that the customer will be notifying the ******************** that this matter has been properly addressed and resolved, and we thank them for the same. 
  We appreciate the BBB for helping facilitate a successful resolution. 

  
  Respectfully, 
  CreditCube

  Customer response

  02/01/2025

  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

  01/28/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  This company is a scam and takes advantage of those in need of money. Not only do they have interest rates up in the *******s, they are not helpful and take forever to respond. They are a tribal lender, and I have done my research and know that they are frauds.

  Business response

  01/30/2025

  Dear Better Business Bureau,
  
  We are writing to let you know that we have been actively communicating with a customer to fully address their concerns and resolve this matter to their satisfaction. 

  We believe that we are close to reaching a final resolution and hope that the customer will be notifying the ******************** that this matter has been properly addressed and resolved, and we thank her for the same. 

  We appreciate the BBB for helping facilitate a successful resolution. 

   

  Respectfully, 

  CreditCube

  Customer response

  01/30/2025

  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

  01/23/2025

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I am on a do not call registry, I am being solicited through numerous phone numbers so blocking just one and sending the stop to recieve further text messages had no success.

  Business response

  01/28/2025

  Dear Better Business Bureau,
  
  Thank you for forwarding this matter to our attention.
  We sincerely apologize for any inconvenience caused by this situation.
  Upon reviewing the customer's concern, we can confirm that all contact methods associated with their information have been fully disabled in our system. This includes both phone calls and text messages.
  As per customer's desired resolution, no further communications will be made to ensure their preferences are respected.
  
  Sincerely,
  CreditCube

• Initial Complaint

  01/19/2025

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Last year 2024 I took a loan for $1500.00 and then received an email regarding an application for another loan on top of the loan that I already had. First of all the interest rates are way too high because I feel like I am paying 4 times the amount that I borrowed. This is so unfair to consumers like myself and others out here, yes I shouldn't have borrowed the money but I did, I want to settle this loan. I see why there is a lawsuit due to high interest rate and paying more than borrowed. SO ****** never again will I take a loan out with this company.

  Business response

  01/27/2025

  Dear Better Business Bureau,
  
  We are writing to let you know that we have been actively communicating with ******* ******** to fully address her concerns and resolve this matter to their satisfaction. We believe that we are close to reaching a final resolution and will certainly notify BBB when that occurs.  Thank you for helping us facilitate a successful resolution.
  
  Respectfully,
  CreditCube

  Customer response

  01/27/2025

  I responded to Credit Cube and they sent over a more reasonable settlement

  Business response

  01/28/2025

  Dear Better Business Bureau,

  We are writing to inform you, that case has been resolved to customer's satisfaction.  

  Accordingly, we are expecting ******* ******** to notify the BBB that this matter has been properly addressed and resolved.

  We appreciate the BBB for helping facilitate a successful resolution.

   

  Respectfully, 

  CreditCube

  Customer response

  01/28/2025

  Regarding #******** you can close and settle my complaint with Credit Cube.

• Initial Complaint

  01/09/2025

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I applied for and took out a loan with this company. They indicate no early payoff fees. The payoff amount is almost $5000 more than the balance due on their site. Emailed, called, attempted to message but their What's App is invalid, to no avail. Was hung up on, emails have not been responded to (yes I checked spam). I am trying to pay off a loan and I can't even access my loan documents when logged into their site.

  Business response

  01/13/2025

  Dear Better Business Bureau,
  
  We are writing to let you know that we have been actively communicating with ******** ********* to fully address her concerns and resolve this matter to their satisfaction. We believe that we are close to reaching a final resolution and will certainly notify BBB when that occurs.  Thank you for helping us facilitate a successful resolution.

  
  Respectfully,
  CreditCube

• Initial Complaint

  12/30/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I originally took out a loan for this lender in 2020 in the amount of $400. I know I paid towards this loan, and ultimately had to cancel my **************** account when I moved out of state (this is the account I had when funding was received). Recently I received an email from creditcube stating that I owed close to $1500 and could settle my account for a few cents less than $120. I am currently in a financial bind and took the offer. The ***resentative told me over the phone and via email that once I paid this amount I could apply for a new loan... And that my account would be upgraded to silver (I guess they have tiers for lenders and I was being "moved up"). I provided my payment information and processed the payment. I tried to reapply for a loan shortly thereafter as advised, only to be immediately rejected. It would not accept my new banking information (even though it accepted it for payment). No explanation provided on the site, by email or over the phone. I was just told I could not "apply for a loan again". I asked if this was indefinite, and the *** on the phone said "yes you can't apply for any more loans". I made this payment foolishly, thinking I could obtain additional funding as advised. Instead of bettering my situation, I lost more money and now I'm in a deeper rut than before. This place will lie and cheat you out of every dime possible.

  Business response

  01/08/2025

  Dear Better Business Bureau,
  
  We are writing to let you know that we have been actively communicating with ******** ********* to fully address her concerns and resolve this matter to their satisfaction. We believe that we are close to reaching a final resolution and will certainly notify BBB when that occurs. 

  Thank you for helping us facilitate a successful resolution.

  
  Kind Regards,
  CreditCube

• Initial Complaint

  12/03/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I was just checking into getting a loan. I received an email did not sign any papers regarding if I wanted the loan or not wanted to speak with someone first to see what the interest rates were, a few days later checked my account and $400 was deposited into my account. No one has returned my calls. I would like this loan forgiveness and my money sent back to me.

  Business response

  12/04/2024

  Thank you for forwarding the complaint submitted by a customer.We appreciate the opportunity to address their concerns and provide clarification regarding this matter.

  On 11/21/2024, customer was approved for a loan in the amount of $400 by our automatic underwriting. To date, customer has made 1 regular payment totaling $120.98 according to the Loan Agreement (attached). 
  Credit Cube discloses the total cost to a borrower as a minimum payment schedule. The loan can be paid off at any time with no prepayment penalty, which will reduce the total amount owed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by customer at each point by mandatory electronic signature.  The bank account verification was fully completed and verified by the customer as well, which confirms that the loan was made within customers consent. 
  According to our records, we havent received any notifications with a customers intention to cancel the loan. 

  
  However, we understand the situation and willing to settle this matter in satisfactory way for both sides. 
   As a courtesy to the client, we will apply the regular payment made towards their principal and close the loan upon the repayment of remaining principal balance of $280.00 to be debited on their upcoming due date 12/13/2024. 
  Should the client wish to accept the offer, they need to contact us at *********************************** confirming their intention to close the loan with remaining principal payment stated above.  

  Nothing herein shall be construed as a waiver of any rights or privileges of Credit Cube, all of which are expressly reserved.

   

  Respectfully, 

  CreditCube

• Initial Complaint

  09/30/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I filled for a loan the person who was helping via telephone call by making the documents based on loans amount and pay contract sent me an email saying how I was requesting $600. While speaking we spoke of $900. She apologized and sent me an email updating the requested amount of the loan to $900 I signed that contract and was told how I needed to wait three days a cool off period from the date of application and the day that I paid off my last loan. That I would receive finds by Thursday. The underwriting team gave the okay for $600 without the approval of me and when I called to speak with a representative about it I was told that I was approved for $500 and that they just wanted to give me the $600 instead. And how the only way around it is to pay off the loan amount they gave me. I needed the money to help With personal debts that's why I requested the amount that I had. A lesser amount that I was provided with gave me a debt that I am not okay with having and do not thinking that they should had been okay with falsifying or altering what had been requested and agreed upon within contract by me the borrower and them the business.

  Business response

  10/07/2024

  We have carefully revised client’s complaint and apologize for any confusion. We are committed to clarifying the situation and ensuring transparency.
  According to the client’s Loyalty Status, the client was able to apply for a new loan up to $1,000 and receive a 16% discount on the interest rate. However, we’re unable to guarantee full amount being approved, since our underwriting team considers different factors during analyzing client’s bank activity. That’s why during verification calls, our representatives asking the minimum amount that clients will accept in case if our underwriting team won’t be able to approve for the full amount.
  We have conducted an investigation of the situation and established, that during verification call dated 10/27/2023 at 04:15 minute, client accepted, that the minimum amount of the loan may be $500.00. Client's loan was approved for $600. Therefore, we hereby certify, that there was no falsifying performed from our side.
  However, we appreciate client’s prompt attention to this matter and are committed to resolving it in accordance with the desired settlement proposed by client.
  Should the client wish to cancel their loan account with no fees and interest accumulated, they may do so via competing Notice of Cancellation with following instructions :
  1)            Please go to the CreditCube website (www.creditcube.com) – About Us – FAQ – What if I change my mind and no longer need the loan?
  2)            Download the document, sign it and send it to us.

  Important to note, client have 2 days (until 10/10/2024) to sign in the cancellation form and forwards it to support@credticube.com
  Once the signed document is received, client’s bank account will be debited for the principal amount of $500 with no interest or fees and closed, one the payment is cleared.
  For client’s convenience, we have sent cancellation instructions alongside with their loan documents at the e-mail address stated in their loan application.

• Initial Complaint

  09/16/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I took a 800 loan out with Credit Cube to be paid **** thru ach biweekly. This company has been taking ****** WEEKLY for the last 2 months without any notification. I tried logging into my account with them only for their system to state I have no account with my email( which I did). I finally got someone over the phone to ask how much more do I owe so I can be done with this company. She stated I owed over 900 more dollars! This company is clearly abusing people when theyre in need. There is no way taking over 100 weekly for eight months on a 800 loan I should still owe over 900! And by the way, they are still taking money weekly, which I never agreed to. Im paid biweekly. Ive racked up so many *** payments. Please I need help to get this company out of my life. This should be illegal!! I had an attorney contact them for a copy of my agreement. They refused to send it to them.

  Business response

  09/26/2024

  We are sorry to hear regarding clients frustration experienced with our services and are diligent to clarify and resolve the situation.
  According to our system, the payment reminders have been sent into the e-mail address stated in clients loan application - *********************
  Important to note, that based on our system records, client unsubscribed from e-mail contact method starting 5/16/2024 and resumed on 8/12/2024.However, in order to ensure clarity in the upcoming payments processing,payment reminders were sent to the clients phone number via TXT messages as well.  Additionally, as per attorneys request, the loan agreement was provided to the clients e-mail address on 08/27/2024,since were unable to share customer information with third parties. The login reset instructions were provided to the client as well on 8/27/2024.
  The most common reason for a breakdown in communication might be not delivering e-mails to the recipient due to getting into a spam box, hence we would highly recommend to the client to check the spam mailbox.
  We have attached clients loan agreement and our reply to the loan agreement request.   
  At the time the complaint was filled, the client has made 12 regular payments of $110.00 out of 32 in total, leaving them 20 payments to make. For their convenience, we are able to adjust their payment schedule to 10 bi-weekly payments of $221.32. Additionally, we are offering to pay off and close their loan earlier, which can help them to save up on interest.
  Should the client wish to accept resolutions proposed above,they may do so by contacting us at ************ or at ************************************************************. 

  Customer response

  09/27/2024

   
  Complaint: 22292003
  
  I am rejecting this response because:
  

  This company has admitted Ive already paid  1320.00, with another ******* remaining? I only borrowed ******!!! This should be against the law to charge this much interest. This company recently lost a class action lawsuit regarding predatory loans. I should have did my research before accepting this loan.  This company prey on consumers that are in need. This was not explained at the time of the loan because I would have never agreed to such terms! You want to offer me a payoff amount if I call you? Why not state it in writing on here? In what world will someone knowingly agree to pay 4500 on a 800 loan? I never stopped any emails from this company. You stopped emails then blocked me from my account. You started coming into my bank account every week without my permission. I never agreed to that considering Im paid biweekly. Lets not forget to mention the tons of non-sufficient fund charges youve caused. I do not accept your response. 

  
  Sincerely,
  
  **** ******

  Business response

  10/02/2024

  We understand client's concerns and would like to inform that we have addressed this matter directly with the ******************************************************* (DIFS), providing a resolution to client's complaint.
  
  For further details or updates regarding this matter, we encourage the client to reach out to DIFS directly.

• Initial Complaint

  09/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This is the only place that I filed with and the only place that had my information. I sense and have had people try to log back into my banking account and I suddenly have new information on the black web. They claim that their services are safe and secure and they are in fact not. I've had credit issues ever since.

  Business response

  09/11/2024

  We have thoroughly reviewed our systems and security protocols and can confirm that our services are designed with industry-standard security measures to protect client information. We have not detected any breaches or security incidents on our end that would compromise client's data. Additionally, we have no record of any unauthorized access to clients account through our platform.

  We recommend that you contact your financial institution immediately if you suspect unauthorized access to their banking account.
  We are committed to support the client through this process and welcome any additional documentation or information they can provide so that we may continue our investigation.

*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. ↩