Budget Credit Loans
Cleared my account for entire balance~poor customer service~unprofessional customer service reps

Last December I got a loan with Budget Credit Loans. I should've known it was going to be a mess because it took us 3 days of sending in all information to get approved. After we send one thing they ask for another-it was crazy! Payments were made every month deducted out of my bank account.

Around last may finances starting getting crazy and the payments were not clearing my account. So, they went to my co applicant and took out one payment but were unable to get the rest. Well by august we were 3 payments behind and we were trying to make arrangements. One rep called me in august and I told her about my financial situation. She said she could do a rewrite in my contract where i wont have to start back paying for 30 days. She asked me was the co applicant goin to do the rewrite as well i said no. She said fine. Days later i never got a call back from this lady named veronica. Well, i had already faxed over my new bank act info because i had indeed anticipated on making arrangements; if not, why in the hell would i give a company i owe my bank acct number and routing number with an authorization for monthly payments.

Anyways, about a wk later i talked to a marnita and she informed me that i needed my co applicant for the rewrite because he was a part of the original contract. Then veronica got on the phone and said the same thing as if she had already told me. BULLSHIT! Well, on the 15th my reg payment came out and to my impression I was ok besides my past due balance of 475. I told bcl that i was going to try my best to have the co applicant call and give over his new bank acct info. I was never contacted after this.

On my next payday which was the 30th... 2wks after my reg payment came out, my acct was cleared for 921-the entire balance of my loan. Note-I still had 4 months of payments left and even had a successful payment from my new acct on the 15th of this month. They took my whole paycheck-no gas, no money for bills, no money for food, nothing! And they didnt even give me a heads up.

So I called this morning and the ignorant ass supervisor who probably has no education says that since I was in default they can take the whole balance out. I said, when were these reps going to tell me that when I spoke with them numerous times this month. She said that the last documented phone call for me was in august! Which means that all conversations I had with reps were not documented—so it looks like I hadnt been in touch at all with these people. Then she hung up on me after getting mad because I wouldnt give her my home telephone number. I'm like. What you need my home number for I dont owe you all anymore money and you have my work and cell number.

All in all, the customer service was horrible. The reps are not consistent in what they tell u pertaining to your account, and they will freely go into your account and clear out the balance even when you have months left to pay. And what pisses me off about it is that I was trying and talkin to these reps to get arrangements set up and nobody ever informed me that this was going to happen.

Company: Budget Credit Loans
Country: USA
State: Missouri
City: Grandview
Address: 13126 South 71 Highway
Phone: 8663193566

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