ComplaintsforGrow Credit, Inc.

• Initial Complaint

  08/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Grow Credit recently reported to the credit bureaus that I had a late payment - hurting my credit by 35 points!The issue is that I did not fail to make payments. Their system which is set to auto debit would fail to debit. Occasionally error emails would come but on the consumer side inside of the app everything would show paid or scheduled to bill in the upcoming statement and nothing for the customer to take action on. Apparently the issue is the apps communication with banking software and the errors or path to fix would not work in the app. I have not missed any payments by my error and I demand they correct the credit reports.

  Business response

  08/26/2024

  August 26, 2024

   

  
  RE:  Grow Account #**************

  
  Hello ******,

  
  We received correspondence from the Better Business Bureau on your behalf regarding your Grow Credit account ending in # 5XJP.  The complaint states that Grow Credit is providing inaccurate information to the credit reporting agencies.  Grow Credit values our customers and wishes to improve your experience, therefore we have investigated your claim thoroughly.
  After a complete review of your account, we found that, as stated in your complaint, your Grow Credit account ending in #5XJP has an exemplary payment history, and according to our records, an adjustment was made on 08/19/2024 to remove any late payments from your account and update your account status.  Please allow 30 to 60 days for the credit reporting agencies to update your credit report.

  
  Grow Credit apologizes for any inconvenience this oversight has caused.  Please feel free to contact us at ******************************** if you have any questions or require additional information.

  
  Thanks for being a valued Grow Credit customer,
  
  ******** @ **********************
  Compliance Associate

• Initial Complaint

  07/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  9 days ago I attempted to make a payment on my account to bring the account current. I received an error message several times and finally reached out to customer service via email for assistance. After updating my address the issue was still not resolved so I asked what other ways could I submit my payment. I was advised to allow an ACH transfer. I agreed to this only to receive an email this morning 7/1/2024 at 6 AM EST that my account had been placed for charge-off. I was a little confused due to my previous conversations with previous agents from Grow Credit no one mentioned that my account was at risk of being placed in a charge-off status. When I inquired about this today 7/1/2024 another representative told me there was nothing they could do once the account has been placed as a charge-off that was it and I would need to send a money order or cashier's check. This made me a little upset because these payment options were not provided as a payment option 9 days ago when I experienced issues and continued to have issues all the way up until now. I am requesting that the company not report this account as a charge-off as there has been previous attempts to pay the balance in full prior to the account reaching this status. I have email threads with different customer service representatives showing my efforts to bring the account current.

  Business response

  07/16/2024

  July 11, 2024

  RE:  Grow Account #**************

  Hello Talecia,

  We received correspondence from the Better Business Bureau on your behalf regarding your Grow Credit account ending in # 3XI6.  The complaint states that due to technical issues logging into the Grow Credit account, you were not able to bring the account current.  In addition, you were informed by the *************************** that alternate payment options through the Grow Credit app were not available due to the account being charged off.   ******** **************** suggested that you send a money order or cashiers check via US ************** which were options not previously offered. Grow Credit values our customers and wishes to improve your experience,therefore we have investigated your claim thoroughly.

  Grow Credit is dedicated to assisting our customers in building their ********************** and apologizes for any technical challenges you may have encountered. After a comprehensive review, Grow Credit has decided that once the outstanding balance of $150.00 has been paid, an exception will be made to update the account status to paid/closed. Please reach out to our *************************** at ******************************** to arrange a payment and get the account status updated.

  If you have any questions or require additional information,please feel free to contact us at ********************************.

  Thanks for being a valued Grow Credit customer,
  
  ******** @ **********************
  Compliance Associate

  Customer response

  07/16/2024

   
  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

  04/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I have been trying to pay and cancel this account. ********************** will not allow me to pay and close. I have no options to pay through the website or the app (due to the pay options being blocked out). Grow Credit is refusing to take final payment to close this account as requested. I am being told a I am not allowed to pay until a certain date, Im not okay with that because I have been asking for sometime to close this account. It has been documented and requested multiple times to close this account. There is no way to speak to anyone on the phone.

  Business response

  04/29/2024

  April 24, 2024

  RE:  Grow Account #**************
  

  Hello *****,

  We received correspondence from the Better Business Bureau on your behalf regarding your Grow Credit account ending in #7PTQ.  The complaint states that you have made attempts to pay your current balance and close your Grow Credit account and have been unsuccessful. In addition, you requested a refund of your security deposit. Grow Credit values our customers and wishes to improve your experience, therefore we have investigated your claim thoroughly.

  After a complete review of your account, we found that the last payment on the Grow Credit account ending in #7PTQ was processed on 02/29/2024. The account is currently in good standing with a $0 balance and has been reported to the credit reporting agencies accordingly.  In addition, our IT team has validated that the technical issues you experienced with your account have been resolved.

  On 04/22/2024 you contacted Grow Credit **************** to convey that you wished for the Grow Credit account ending in #7PTQ to remain open, therefore the security deposit will remain on record.

  If additional information is required and/or if you now wish to close your Grow Credit account ending in #7PTQ, please contact us at ********************************.

  Thanks for being a valued Grow Credit customer,
  
  ******** @ **********************
  Complaints & Disputes Department

  Customer response

  05/03/2024

   
  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

  03/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  They closed this account under a charge off with a loss of *****. Per my attachments, I requested to close this account because it wasnt needed and pressured multiple times to leave it open. I was told that it couldnt be closed until the balance of ***** was paid. Per the screenshot attached it was indeed paid off but was still charged off as a loss. I want this corrected. The account closure was processed on the Feb 19th per the screenshots however the shady remarks were added to my credit report between the Feb 20th and the 23rd which Im assuming is retaliation for the closure since the remarks were added just a couple of days after I requested the closure. I want this corrected along all credit bureaus.

  Business response

  03/21/2024

  Mar 12, 2024

  RE:  Grow Account #**************

  Hello *****,

  We received correspondence from the Better Business Bureau on your behalf regarding your Grow Credit account ending in #0VTH.  The complaint states that Grow Credit is providing inaccurate information to the credit reporting agencies.  Grow Credit values our customers and wishes to improve your experience, therefore we have investigated your claim thoroughly.
  Upon reviewing your account, we have found that it was paid in full on 02/16/2024 and subsequently closed, per your request on 02/19/2024.However, we have discovered that Grow Credit has inaccurately reported the final status of your account. I want to assure you that we are taking action to rectify this issue. We have sent an adjustment to all credit reporting agencies to update the status of your Grow Credit account ending in #0VTH to "paid or closed / zero balance." Please note that it may take ***** days for the credit reporting agencies to update your credit report accordingly.

  We apologize for any inconvenience this may have caused and thank you for your patience and understanding. If you have any questions or require additional information, please feel free to contact us at ********************************.

  Thanks for being a valued Grow Credit customer,
  
  ******** @ **********************
  Complaints & Disputes Department

• Initial Complaint

  02/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I signed up for grow credit in march of 2022. I thought it would help me build credit in a simple way. Boy was I wrong. Not only did they not make a report of a single positive thing I did such as 20 on time payments in a row, but they un-linked my bank account and then claimed I wasnt paying my Amazon bill on time. Obviously I have proof against this. Needless to say I went from having a mediocre 621 credit score all the way down to 545 despite never missing a single payment. Stay away. Stay far away, at this point I will need to hire a lawyer to clean up the mess they made and they will not do a single good thing for your credit. Just dont do it.

  Business response

  02/15/2024

  January 13, 2024

  RE: Grow Account #XXXXXXXXXX 1WDQ

  Hello ********,

  We received correspondence from the Better Business Bureau on your behalf regarding the Grow Credit account ending in #1WDQ.  The complaint states that Grow Credit is inaccurately reporting your account.  ********************** values our customers and wishes to improve your experience, therefore we have investigated your claim thoroughly.

  After a complete review of the account, we found that the Grow Credit account ending in #**MA was granted Late Payment Forgiveness on 02/05/2024 and an adjustment was sent to all credit reporting agencies to remove all derogatory reporting from your credit report.  Please allow ***** days for the credit reporting agencies to update your credit report. 

  If you have any questions or require additional information,please feel free to contact us at ********************************.

  Thanks for being a valued Grow Credit customer,
  
  ******** @ **********************
  Complaints & Disputes Department

  Customer response

  02/23/2024

   
  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

  08/22/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I noticed I had late payments from GROW CREDIT, INC. on my credit report. During these months I did not receive anything stating I was late. As you can see, majority of my payments have been on time so I am requesting the removal of these late payments from my account. I am trying to increase my score to purchase a home and would greatly appreciate if you guys can submit a request to the credit reporting agencies to remove the late payments.

  Business response

  09/01/2023

  Sep 1, 2023
  
  *************************
  5261 Grayton
  *******, **  48224
  
  RE:  Grow Account #  **************
  
  Hello ******,
  
  We received correspondence from the Better Business Bureau on your behalf regarding your Grow Credit account ending in #8UJC.  Your correspondence makes reference to the reporting of  a late payment on your credit report. 
  
  Grow Credit values our customers and wishes to improve your experience, therefore we have investigated your claim thoroughly.  Upon review of your account, we see that your June 2023 payment was not received and reported to the credit bureaus.  We also acknowledge your prior focus of making on-time payments.  As a benefit, Grow Credit offers a one-time Late Payment Forgiveness to remove prior late payments.  To qualify, you must be current.  Once you make your payment to bring your account current, please contact us at ******************************** and we will apply the Late Payment Forgiveness.
  
  Grow Credit is dedicated to helping our customers grow their credit.  If you have any further questions, feel free to contact us a ********************************.
  
  Thanks for being a valued Grow Credit customer,
  
  
  ******** @ **********************
  Complaints & Disputes Department
  
  

• Initial Complaint

  06/08/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  BBB unable to locate business

  More info

  I used grow credit service for over a year. Never had a single positive report or anything from them on my credit. Even though They removed funds every month. I didnt realize it until a billing glitch do to their system . So they couldnt charge my card anymore. I then just told them to cancel my subscription and told them they have done nothing. I was going to leave it at that . Thats when they made the mistake of refusing to acknowledge all the documentation proving my side. All they cared about was I owed them another ***** because they supposedly paid a subscription for me. Only , They actually didnt pay it. I paid it through my other account automatically. Which I also proved. So I refused to pay them. They responded by reporting a delinquency to my credit report. So the only report I have from them is 90 days delinquent on my report. I sent In a check paying it as advised by my attorney, to stop the negative credit reports They are 100% fraudulent. I am currently disputing all moneys I paid into their fraud system. I am surprised they are still in business.

  Business response

  07/18/2023

  July 10, 2023
  
  *********************
  *********************************************
  *******, **  99206
  
  RE:  Grow Account #XXXXXXXXXX 2EWQ
  
  Hello *****,
  We received correspondence from the Better Business Bureau on your behalf regarding your Grow Credit account ending in #2EWQ.  Specifically, you stated that Grow Credit inaccurately reported the status of your Grow Credit account and did not ***** your request to close the account.  ********************** values our customers and wishes to improve your experience, therefore we have investigated your claim thoroughly.

  
  After a complete review of your account, we found that your Grow Credit account was opened on 05/25/2021. Subscription enrollment and payments commenced on 05/27/2021 and continued through 04/27/2022.  Successful automatic loan payments were processed for your Grow Credit account ending #2EWQ from 06/02/2021 through 04/09/2022 and your account was reported to the credit bureaus accordingly.

  
  On 12/21/2022 we received your request to close your Grow Credit account ending #2EWQ, however, there was an outstanding balance of $85.19 at that time.  The Grow Credit account ending in #2EWQ was closed on 05/23/2023, due to non-payment.  The $85.19 balance remained outstanding until 06/28/2023 when we received your payment via check by U.S. Postal service.  Your payment has been processed and the payment history for this account has been reported to the credit bureaus accordingly.

  
  Grow Credit is dedicated to helping our customers in any way we can.  We hope this information provides a deeper understanding of your Grow Credit account history.  If additional information is required and/or if you have any further questions, feel free to contact us a ********************************.

  
  Thanks for being a valued Grow Credit customer,
  
  ******** @ **********************
  Complaints & Disputes Department

• Initial Complaint

  10/21/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Earlier this year I believe or sometime last year maybe, In hopes to repair my credit, I was told about Grow Credit app. I decided to give them a look, liked what they offered and decided to seek their assistance. I was offered an acceptable plan and was, so I thought, ready to get my credit back on track. That was until I had another in a series of financial misshaps occur that involved a payment taking the funds meant for Grow from the account on file before they could. Having to deal with that and much more, I went to deal with other priorities and came back to Grow later, no longer using the account that they have on file, wanting to switch to a new more permanent account. Yesterday I was told that because they were unable to get the first set of funds an account for me was never opened. At the same time though, they don't seem to have to ability to remove the linked account, nor can they remove me from their system all together, I'm not authorized to remove my information, and so I have my personal information accessible to this company and can't use their services. I'm asking for that to be fixed. They need to either remove me all together and thus allow me the ability to do a whole new application, remove the linked bank and allow me to attach a new one, and if they can't seem to do either of those two simple tasks, send verification that they have none of my information stored anywhere on any of their systems. And this needs to be addressed quickly. I've attached for the

  Business response

  11/16/2022

  Business Response /* (1000, 5, 2022/10/26) */ Dear ******, We received a complaint from the BBB (Better Business Bureau) on your behalf regarding your Grow Credit account. After a thorough investigation we found that you were approved for a Secured Grow Credit account on April 3, 2022. There is also a communication made by you on April 3, 2022 to behappy@growcredit.com our Customer Service department requesting to change your funding source. However, on April 5, 2022 your deposit required to fund your Secured Grow Credit account failed therefore a virtual Secured Grow Credit card was never issued and an account was never opened. In addition, we found no subscriptions added to your account or submitted for payment. There is also no outstanding balance on your account. If a Grow Credit account is reflected on your credit report, please forward supporting documentation to behappy@growcredit.com and I will submit the appropriate documentation to the credit reporting agencies. Thank you, ************** Complaints and Disputes Department

• Initial Complaint

  10/20/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  This company willfully refused to remove my information from their data base, after I told them more than once that they were violating my right to privacy. Pursuant to 15 U.S Code 1681 a (4) Consumer Right to privacy Grow credit we're reporting fraudulent accounts that weren't actually mines, which is an infringement of my privacy. Congress said I have the right decide what i deem private. I deem my hard and soft inquiry information to be private and i DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. They proceeded to violate my consumer right.

  Business response

  12/07/2022

  Business Response /* (1000, 5, 2022/10/26) */ Dear *******, We received a complaint from the BBB (Better Business Bureau) on your behalf regarding your application for a Grow Credit account and the retention of the information provided during the application process. After a thorough review, we found that you applied for a Grow Credit account on 10/19/2022. Your application was rejected due to difficulties validating the identification information provided. There was no further information or documentation collected or requested. Grow Credit does not pull credit reports for our applicants or customers at any time. The information retained in our system is minimal and encrypted. Due to regulation, we are required to retain all records for no less than 24 months. As it stands, there is no open Grow Credit account for ******* Bass. Grow Credit does not share personal information with any affiliates. Thank you, Michelle****** Complaints & Disputes Department Consumer Response /* (3000, 7, 2022/11/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) Any information you have in your system of mine I want it removed Business Response /* (4000, 9, 2022/11/15) */ Dear *******, We received a complaint from the BBB (Better Business Bureau) on your behalf regarding your application for a Grow Credit account and the retention of the information provided during the application process. Our initial response was rejected by you and additional information/explanation was requested, per BBB Complaint Response protocol. Unfortunately, our company is bound by specific Records Retention Regulations (see attached) requiring the retention of consumer information for a specific period of time. Failure to adhere to these regulation requirements could result in various penalties. Grow Credit regrets that there is not some way to grant your request to remove all information from our system. However, as stated in our previous response, Grow Credit does not pull credit reports for our applicants or customers at any time. The information retained in our system is minimal and encrypted. Grow Credit does not share personal information with any affiliates or third-party vendors. Grow Credit thanks you for your patience and understanding. **********************

• Initial Complaint

  09/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company has major issue and I really really hope people stay clear of them. Lets start from the beginning My first issue occurred in Spring 2022. The company uses some kind of software that reads your account balance. If the account balance is "low" they will not process the payment. They use ending day balances and not current available balance. So on payment dates, if the posted ending balance from the night before is lower than what you need to pay they will not process the payment. Then when you go to manually for it you get an unknown error. This went on from March to April to May and into June. I reached out to them a number of times and they assign the blame to you. They say oh your account is too low, when I just made a deposit to cover that and some. Then after weeks of trying I reached out again and was told oh there was a system issue you need to use PayPal. Okay paid it. then they marked the account as 30 days. I reached out a number of times trying to pay and you never helped. Then they reward me with a onetime courtesy to reverse the report on my credit that was their issue to begin with. Next complaint a payment was made for one of my service providers. The service provider posted it to another account that was not mine. The service provider told me I needed to file a dispute since the account it posted is not mine. I reached out to them and get oh we don't do refunds. I'm not asking for a refund I'm asking for you to dispute it so vendor will give me my money back. At the end of the day that $100 is not worth it. Just pure social media will do. I'm going to make sure every one one knows.

  Business response

  10/28/2022

  Business Response /* (1000, 5, 2022/10/10) */ Hello******, We received written correspondence from the BBB (Better Business Bureau) on your behalf regarding Grow Credit account #****************** Grow Credit apologizes for the issues you experienced while attempting to make your account payments. According to our records, on September 30, 2022 Grow Credit issued a $100.00 credit / refund to your account. In addition, a late payment forgiveness was granted and an additional AUD was submitted on 10/10/2022 to all three credit bureaus to ensure removal of any possible derogatory reporting created due to this issue. Again, Grow Credit apologizes for any inconvenience you have experienced. If further information is required and/or if you have any questions, feel free to contact Customer Support at ************************ Thanks for being a valued Grow Credit customer. **********************

*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. ↩