Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:06/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On June 6, 2025, I received two phone calls from ************ and then, a voicemail was sent to my sister-in-law. The caller claimed to be from nationwide courier service and later stated they were representing Credit Ninja regarding a debt I do not recognize.I called the number back from the voicemail left on my sister in laws phone , and during the call, the agent confirmed my last name and then proceeded to say my full Social Security number aloud without verifying my identity or confirming that I was the correct person. This is a serious violation of privacy and puts me at risk of identity theft.The caller also stated I would be served legal papers and threatened legal consequences. In addition to contacting me, the caller also contacted other members of my family, including my husbands relatives, which I consider a form of harassment.I do not have any verified or written communication about this debt. I am concerned this may be a scam or an unauthorized collection attempt. I recorded the phone call for my own protection.I am requesting help from the BBB in identifying whether this was a legitimate collection attempt or a scam, and in stopping the calls to me and my family. I would also like assurance that my personal information, including my Social Security number, will not be further shared or used improperly.I did record the phone call as well but am unable to upload.

  

  Business Response

  Date: 06/09/2025

  Please find CreditNinja's response attached. 

• Initial Complaint

  Date:05/28/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have repeatedly tried to get ahold of this company by phone to stop my auto payment and they state they wont do it via email. However I cant get through on the phone. You dial the number, it rings 1 time then you get the annoying auto message that all circuits are busy and try again later. I have tried this number several times over the last couple of days and its been the exact same result. Its bogus.

  

  Business Response

  Date: 06/03/2025

  Please see the attached for CreditNinja's response.

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Received phone call from Credit Ninja. Stating they are going to seize my assets. The loan has extremely high interest and they are claiming they are going to sue for the remaining balance. This is a loan I took out prior to the pandemic. I seriously forgot about it and have received no information on it since or I would have made payments.

  

  Business Response

  Date: 06/02/2025

  Please find attached CreditNinja's response.

• Initial Complaint

  Date:05/06/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan with this company but the interest rate is criminal. I have already paid back more than what I borrowed. Also, they're trying to say I am late on payments which is not true. I reached out through email about 5 to 6 times to move the payment later that day or the next day since I knew my payroll changed. They are saying that payment was late but I had reached out multiple times to tell them to charge it and it wouldn't have been a problem. I am sick of paying these people when I can't even sign into my account to review the numbers. I want this to just be done with but I'm sure they want another $2000 to close this account.

  

  Business Response

  Date: 05/07/2025

  Please see CreditNinja's response attached. 

  Customer Answer

  Date: 05/16/2025

   
  Complaint: 23293639
  
  I am rejecting this response because: I didnt realize I responded too late to the complaint I made. I want to open it again because the response what they wrote back was a lie. I love how **** wrote all the dates but forgot about 5 dates of emails I send trying to fix a payment issue. These people do not respond to emails at all and thats how they try to charge you more. I will add more details right now to my complaint. First off I tried to email them 5 times to fix a late payment. It wasnt due to lack of funds it was the new company my job has started using to pay us on Fridays. I explained this in my emails multiple times that they need to charge me on Fridays. This turned into them ignoring my emails and charging me fees that shouldnt have been charged. My bank ended up charging me $68 in fees due to them not responding and trying to pull money out of my account when it wasnt possible. I talked to a representative through the chat. I spoke to ******* who was extremely rude basically calling me a liar saying no you didnt do this or that. They have the records they can see she blatantly said I never emailed them or reached out about these payments. I told her I can send you screenshots of the emails I sent with no response. She ends up sending me pictures of the emails I sent and I was like are you serious you just lied and said you never got them but somehow you have pictures of them. I was furious at this point and she kept insisting I didnt communicate with them yet the pictures of the emails were there so I cursed her out and I was the one who ended up the chat. Erins response was incorrect about that part the representative did not end the chat I did. I decided to let this issue go because I could see it was going no where. Last week I reached out again and spoke to a nice representative who helped me update my profile. I told them that I needed to change my due dates to Fridays due to the new paycheck process. That was super easy no issues there but a day later I received an email that said I was late on a payment of $680 or so dollars. I was shocked to see that because I had just spoken to someone to update my info to Fridays. Once again they took it upon themselves to say Im late but this time all I did was update my information. This is beyond disgusting for a company to do. They know I updated my information and yet now trying to lie and say I owe that money which I dont. This is fraud and I will not allow them to ruin my account or make me pay for something I did not do. I want this issue resolved. I read the response from **** and I find it completely unprofessional to lie in a statement like that.
  
  
  Sincerely,
  
  ******** *****

  

  Business Response

  Date: 05/19/2025

  Please see CreditNinja's response and supporting documents attached.

  Customer Answer

  Date: 05/19/2025

   
  Complaint: 23293639
  
  I am rejecting this response because:

  I attached the 2 emails I received when I reached out about the payment issue on January 17th. The ones sent in response to my complaint I have never seen before. They must have been sent to the wrong email because I did not read those. Also, the *** fees I dont care about honestly I was just stating what happened. ****, I know my horrible experience with that one representative ******* was not your fault by any means. I just wanted you guys to know that how she spoke to me was not ok and lying was not ok either. Im glad to hear that the late payment email was by mistake I was worried my account  was all messed up. I would just like to know what my payment out would be if I wanted to pay it off in full. Thank you. 

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

  

  Business Response

  Date: 05/20/2025

  Please see CreditNinja's response attached. 

  Customer Answer

  Date: 05/24/2025

   
  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

  Date:04/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was a victim of Identity Theft in May 2024, and the suspect opened credit with Credit Ninja, for the amount of $660.89. I have filed multiple police reports and filed an *** Identity Theft Affidavit. I've submitted this paperwork to all parties, and most have closed the account and cleared from my credit reports. The one exception has been Credit Ninja. I have gone back and forth with Credit Ninja and they want a more detailed Police report that my police department. My police has denied opening a new report for each creditor in question, they're were more then 10. As you can imagine, they do no have resources to support these types of requests. I have requested Credit Ninja to provide evidence of the fraudulent accounts, i.e. the ** that was provided, other information used to provide security of account and they have not. I am helpless in this situation and Credit Ninja is attacking me/constantly harassing me for fraudulent activity that they have done absolutely zero investigation to disprove. 

  

  Business Response

  Date: 04/28/2025

  Please see CreditNinja's complaint response attached.

  Customer Answer

  Date: 04/29/2025

   
  Complaint: 23252003
  
  I am rejecting this response because: this is not something my local police department can provide at this time. Again today, on 4/29/2025, I visited the my local police department, ********************** on ************* at ***************************************************************************************  This is the third time I have requested them to create a new case explicitly listing Credit Ninja. I provided the original affidavit attached and they declined to open a new case number.  They informed me they would update me if any new findings on the case.  Please contact them directly if you further questions.  
  
  Sincerely,
  
  ****** Chop

  

  Business Response

  Date: 05/01/2025

  Please see CreditNinja's Response attached.

  Customer Answer

  Date: 05/02/2025

   
  Complaint: 23252003
  
  I am rejecting this response because: as stated yet again, the ********************** is unwilling to invest further. On May 2nd, I received notice from your company that you have sold my account to ************************  This further complicates the matter.  
  
  Sincerely,
  
  ****** Chop

• Initial Complaint

  Date:04/24/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Received an email today, 04/24/2025 from CreditNinja stating that I have applied for funds on one of their partner sites. I HAVE NOT completed any applications on this date. There is a soft credit inquiry on my credit report.I did not provide any written consent for Credit Ninja to perform a credit check.

  

  Business Response

  Date: 04/28/2025

  Please see CreditNinja's response attached.

  Customer Answer

  Date: 04/29/2025

   
  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

  Date:04/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has really bad practices. They take advantage of the weak. They kept sending me multiple emails offering me a loan. They conditionally approved me. Then, they deny without giving a reason in their email. Its shady and should be illegal.

  

  Business Response

  Date: 04/23/2025

  Please see CreditNinja's response attached.

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23234013
  
  I am rejecting this response because:
  
  this is a generic answer and very formulated. They did not provide a resolution and I still believe that they are a scam. They have my information now, which isconcerning to say the least. They have unbelievably bad business practices and I believe they should be reprimanded. 
  
  Sincerely,
  
  ****** *****

  

  Business Response

  Date: 04/24/2025

  Please see CreditNinja's response attached. 

  Customer Answer

  Date: 04/25/2025

   
  Complaint: 23234013
  
  I am rejecting this response because: their conditionally approved nonsense is just that, nonsense. They get people's hopes up and then pull the rug out from under them. I read the online reviews, and I am glad I didn't take out a loan with them, as the reviews were very bad. Again, they prey on the weak and disadvantaged. They offer things "conditionally," which seems like a lie and false advertising. I do not accept their response and believe that they should be shut down. Just go read the reviews online. A dangerous company to deal with.
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:04/18/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On April 17, 2025 I applied for a loan through Credit Ninja and was denied. upon logging in to reapply (as I was suggested via email) I found they still were retaining certain data I felt was not necessary. My Social security number, my banking information, and my driver's license number. I understand entities sell data. But you only need skeletal information to do this. Name Date of birth and address. You do not need the above mentioned data. (Bank Social Security, Driver's license#)

  

  Business Response

  Date: 04/21/2025

  Please see CreditNinja's response attached.

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23221425
  
  I am rejecting this response because:

  The ENTITY is not outlining that they need to keep ALL of my submitted data. They need to clarify that my

  Social Security Number 

  Driver's License 

  Bank Information 

  is what NEEDS to be retained. **** in kind what BBB received is the same AUTO GENERATED response i received.
  
  Sincerely,
  
  **** ********

  

  Business Response

  Date: 04/22/2025

  Please see CreditNinja's response attached. 

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23221425
  
  I am rejecting this response because:

  The ENTITY is

  1) Properly idrntifying themselves regarding who iscactually sending the response. I.E. Manager/ Persons name

  2) The PERSON/:ENTITY  still refuses to identity/ clarify what they deem as NECESSAY DATA  to be retained.

  This shows that this is computer generated andbit not addressing my issue individually. 

  i want them to state that they are abiding by Federal law by keeping my 

  1) ************************************************************** Information 

  they DO NOT need these for statiscal purposes.  I work with data retention. The only necessary data we retain is

  NAME DATE OF BIRTH ADDRESS.

  I feel this DATA is on one algorithmic platform and cannot be extracted out separately. If this the case then do me the ciurtesy and delete everything.  I had this experience before and company obliged and deleted my data. No i do accoet this response. I will soon contact an attorneyif this cannot be resolved in an amicable manner on this platform. 

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

  

  Business Response

  Date: 04/28/2025

  Please see CreditNinja's response attached. 

  Customer Answer

  Date: 04/29/2025

   
  Complaint: 23221425
  
  I am rejecting this response because:

  The "company" is still not providing me with a copy of an law that states they have a right to RETAIN. They only "updated" a prior response sent to me to include they had the right to OBTAIN not RETAIN my data. Please provide me a copy of the law that states you have the right to retain my Social Security number banking information and driver's id. You no longer need to retain it. I have business with you. And never will. I've never received proper correspondence from you. Not even here. Letters are not signed by anyone just generically signed by said business.  Seems like a smokescreen. Just delete my data please. 

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

• Initial Complaint

  Date:04/15/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  **** a 500$ loan out with this company and it has a 200% interest rate. They want me to pay over 1000$ for it to be paid in full. Their 200% interest violates ******** usury laws making this loan illegal. It is against the law for them to not follow the usury law. There are already a couple lawsuits against this company for breaking state laws and giving out illegal loans.

  

  Business Response

  Date: 04/30/2025

  Please see CreditNinja's response attached.

• Initial Complaint

  Date:03/01/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am requesting this company named Credit ninja to send me a debt validation that does not belong to me and the removal of a fraudulent account coming from them on my credit report, This account does not belong to me , I was not given a consumer agreement nor any legal contract from them. I have no Knowledge of this account names ********************** acct #********* and is reporting a owed balance of $2573, please help me removing this account credit coming from this company named credit ninja that is not mine.

  

  Business Response

  Date: 03/03/2025

  Please see CreditNinja's response attached.