Consumer complaint received 2025-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: BlueChip Financial
State: CA

Complaint narrative:
XXXX XXXX TERMS - UN RESONABLE - CANCELLED THE XXXX CHARGED MY BANK WITHOUT GIVING ME THE LOAN XX/XX/XXXX ACH Electronic Debit SPOTLOAN DEBIT XXXX XX/XX/XXXX ACH Electronic Debit XXXX DEBIT XXXX REFUND THE AMOUNTS THAT XXXX STOLE FROM XXXX. 

On Fri, XX/XX/XXXX at XXXX XXXX wrote : Date : XX/XX/XXXX Dear XXXX XXXX Thank you for applying for a loan with XXXX . 

After carefully reviewing your application, we are sorry to tell you that XXXX can not grant a loan to you at this time. If you would like a statement of specific reasons why your application was denied, please contact a member of the XXXX customer service team at the number shown below within XXXX days of the date of this email. We will provide you with the statement of reasons within XXXX days after receiving your request. 

BlueChip Financial, XXXX XXXX XXXX. XXXX XXXX, XXXX, ND, XXXX ( XXXX ) XXXX Additional information is listed below if we obtained information from a consumer reporting agency as a part of our consideration of your application or if we obtained your credit score from a consumer reporting agency and used it in making our credit decision. Additional information will also be listed below if our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. 

Sincerely, XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * We obtained information from the consumer reporting agency ( or agencies ) listed below as part of our consideration of your application, and the name, address, and telephone number for the agency ( or agencies ) are shown below. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You have a right to a free copy of your report from the reporting agency, if you request it no later than XXXX days after you receive this notice. In addition, if you find that any information contained in the report you received is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. You can find out about the information contained in your file ( if XXXX was used ) by contacting the agency ( or agencies ) listed below : XXXX, XXXX XXXX. XXXX XXXX XXXX, GA, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX ( XXXX ) XXXX We obtained your credit score from the consumer reporting agency ( or agencies ) shown below and used the score ( or scores ) in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

XXXX XXXX XXXX XXXX, a part of XXXX XXXX XXXX XXXX XXXX, TX, XXXX ( XXXX ) XXXX Your Score : XXXX Date : XX/XX/XXXX Agency Score range : XXXX - XXXX Key factors that adversely affected your credit score : Loan reported in collections Number of reported bank accounts Online payday loan reported in collections Too many recent inquiries reported If you have any questions regarding your score ( s ), you should contact the scoring agency ( or agencies ) using the contact information detailed above. 

Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than XXXX days after you receive this notice, for disclosure of the nature of this information. 

Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, XXXX , DC XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation