DigniFi
Reviews and Complaints

Wow, what to say. Was approved for a small ($1000) loan, but due to fumbling of dealership and or Dignifi, never received. Both requested I "apply again" resulting in another check into my credit history. No thanks. Many, many problems with communication between this organization and car dealership. Both blaming each other for "miscommunications." Will not use this organization or car dealership again.

Dignifi was horrible to work with. My account was paid ahead. Also when completely paid in full they did not report accurately to the 3 bureaus. Instead my account was left open to accrue interest on a zero balance. It took two months to fix and still shows up on my credit as interest. Seems they will hurry to report delinquencies... but very inaccurate reporting to those paying ahead and in full. Very dissatisfied service

Don't do business with them. I have set bank deposit but when it's time for it to come out I get an email saying it was sent back as I didn't have money in my bank. For a fact I did. And even called my bank and everything is good on my side. They added $25 everything it doesn't go thru. Even if it isn't your fault. Tried to make a Card payment and again didn't work. And nothing wrong on my end. I work for a bank so I know how it works

Loan Application was user friendly online, and phone service is also available. Coordination with Larry H. Miller was a little confusing; but their website is excellent: easy to use and access loan details plus includes a customer service phone number for additional questions. My only issue is the interest rate of a whopping 31%; however, they offered the 90-day interest waiver promotion which addresses that issue as well. Overall, great experience.

This is my second time using Dignfi the first I paid it off in no time with zero interest. Now I'm given 3 months to pay off the loan, which is no problem , or receive the 26% interest rate. I feel that if your credit is good and you've already shown that you are responsible to pay the loan off you should receive at least 6 months to a year depending on the amount especially during the time of the virus. Butvother than the above its a good loan program.

Im disappointed in the level of service I received from this company. I was not given due date information when I initially signed up. I made payments however payments were past due dates. As a result reported negative on my credit. The process to dispute was all over the place, poorly communicated, took days to receive call back from supervisor, and overall rude service from all levels of leaders. I do not recommend anyone to do business with this company. RUN!

I was sitting at the dealer and I couldnt believe the cost of repairing my car. I wasnt getting paid for another two weeks. The dealership suggest Dignify because of the free grade period to pay it off. It took a bit longer to fill out the paperwork at the dealership than I wanted. I wish they wouldve asked me to fill it out before I left the house. Coming up with the information they needed to get approved was difficult so far away. After that, I have been happy with the payment agreement and amount.

I was unaware of this business until I was faced with an urgent car repair. The application process was easy and fast, but the interest rate was pure extortion. They send monthly bill but do not itemize it so when I went to make my payments every 2 weeks my amount due was always different. Each time I contacted customer service they just kept telling me same old crap! If you can pay it off quickly I highly suggest you do so with the outrageously high interest rate! And only use if a very desperate need!

Thus far, I have used DigniFi twice for automotive repairs. Working through loan approvals and payments has never been an issue. Regarding website improvements; *Section- My Loans-- The addition of a running balance column to the payment history section would help. This function would better reflect the amount paid and make the borrower more aware of the potential to incur late fees or other penalties against the amount due. *Section- Account Preference-- Bolder bubbling and fonts where customer information is entered would also help. The light grey lettering and spacing make it difficult to modify contact and banking updates in a timely manner. In all, it is a great service, but a few adjustments to the account profile could improve both first time and returning user experiences.

I would rate this company a zero if I could. It is convienent if you don't have the money at that time but when it comes to paying the money back is when this company needs improvement. When it was time for me to make my first payment I tried to do it online but unfortunately it was unable to process it. Then when I tried to do it through the automated system it wasn't working either so I called and they told me they couldn't waive the fee and I would have to do it through my bank after I told them repeatly that I didn't want to do that. What makes it worse is one of the representative hung up on me. Also when I paid the full balance they told me I had to pay two seperate fees because they can only accept $500 at a time. I wish I never would've never used this company. Never again.

Dignify allows Shops such as USA Transmission in Livingston TX to steal your money. This is not a vindictive statement, it is the absolute truth. Look up that business I referenced it has an F yet they continue to work hand-in-hand with this shop. I called to explain the situation and ask to speak with their relations department. The woman with Dignify actually said no I am sorry I cannot allow you to speak with them, I'll just send them a message! It's disgusting that they work with this company and allow them to steal from people all while charging a gross interest rate (which it is what it is my husband agreed to the interest but yeesh!) who already do not have 3000 just lying around, then they are out that money because USA Trans can't fix anything right ( or doesn't want to) and then they end up having to take it some place else spending even more money! To me this company is just as responsible as USA Transmission for working with them.

I have been a DigniFi customer since early 2020. To date, I have taken two cash advances, $2,000 and $303. Each time, I logged onto my account and simply requested the new cash advance for which I was eligible. We were made to leave our apartment without a legal eviction while planning to move to another state within the next 3 months so my son could continue to receive care from the excellent telehealth doctor who was treating him from the state we were planning to move to. So when we received a notice to vacate our apartment, we figured we might as well leave, even though we were going to be homeless and living in our car. A great doctor is a rare find. As stated, I was eligible for a substantial cash advance that would have helped us deal with the circumstances. DigniFi is now insisting that I login to my account with my cell phone. I emailed DigniFi, I talked with *** (even with the supervisor), I emailed another office of DigniFi, letting them know with whom I had spoken and whom I had emailed, but they kept on saying the same thing like they couldn't understand what I was saying. I only have a flip phone. It does not access the internet, so I can't login with my cell phone to request the cash advance. I cannot afford to buy a smart phone right now. I have emailed them from my email account, essentially asking if they were concerned because my address is General Delivery, a service of the U.S. *** I explained why we were suddenly in another state. DigniFi kept repeating the same thing--contact customer service. *** just told me to login with my cell phone and request the cash advance. The supervisor claimed not to know how to contact anyone higher up in the organization. I threatened to *** them for discrimination, because not everyone has a smart phone. They responded again that I should contact ***! What for?

I have been trying to contact DigniFi since 3/17, by the app, phone and email and have been unable to get ahold of someone until yesterday. I have been wanting to pay my account off in full to avoid interest but was unable to do so as when I called I would be disconnected , no one responded to my email that I sent through the app, and I was unable to pay on the app due to an error. As it turns out, my payment on 3/7 was returned, obviously that is my fault but does not excuse the negligence of this company. I now have to pay interest since they made it impossible for me to pay before my due date snd then again made it impossible yesterday. Apparently , the only way I am able to pay my account off is to mail a check-- no one has checks any more its 2022. I find it funny that they will not accept a payment from my bank account over the phone but they will take a check from that same bank account via the mail. This company makes it nearly impossible for people to pay off their accounts in time forcing their customers to accrue interest. This is an unacceptable and unethical way of doing business.

I tried to make a payment today by debit card, after having to make 3 consecutive mail in payments due to a failed payment attempt in the past. Well, for all 3 of those mail in payments, I was forced to call in because they do not post the payments on time, I was charged late fees as a result of their slow processing times. The last one was resolved but previous late fees were not. But the reason I am driven to leave this review today is because I have made 3 consecutive payments by money order and went to pay by card today and was told I've only made 2 and that there was no payments recieved for *** That's a lie, I am current on payments, I do not have anything due besides September's monthly payment to take care of. They told me there's no way to over ride the system and that I am stuck woth having to mail in another payment, which normally isn't a big deal, just a bit of an inconvenience but the fact I'm going to have to worry about them not processing it fast enough that it becomes late, even if I send the payment 2 weeks early they still manage to not process it on time. But I'm the one who's left in distress and they have no interest in helping customers at all.

I Have a case on stolen identity that has been reported to the authorities in the state of California since january 2022,someone applied over the internet for an auto repair loan with Dignifi Auto Repair Loans in the city of Boulder Colorado,this location (Difnifi) approved the loan to that person and that person went ahead and had a vehicle repaired at a shop in the city of Ontario,California.i actually do not owned the kind of vehicle that was repaired at that shop,my vehicle has a guarantee thru the dealership.i emailed Dignifi a copy of the police report over a month and a half ago,they have done nothing to fix the problem,meantime they keep calling me trying to collect for those repairs done on a vehicle that does not belong to me,and also becouse they reported that to one of the major credit bureaus,my credit score has dropped,i last spoke to a supervisor by the name of Stormy at dignifi and she assured me that her manager Heather was aware of the problem and that she (Heather) will call me back to solve the issue,i never received that phone call as of today's date of April 5th.2022.Please "HELP" me to resolve this matter "ASAP" i thank you in advance for your effort,it's reqlly appreciated.

I recently set up auto pay with dignifi, my monthly payments were always $127 and I even have an email confirming it would be $127 on the date of 11/2/22.The day of payment they sent an email saying my monthly auto payment was to pay for my full loan amount, not $127. I never authorized that and called them for their mistake. They said I set up to pay my loan in full when I dont even have an email confirming I set that up. It specifically says $127. I believe they made a mistake and now they cant or refuse to fix it for me. I talked to three people on the phone and they continued to blame me for it even with my proof that they messed up. I was then directed to call my bank to dispute the charge but my bank isnt able to as the charge wasnt able to go through at all due to insufficient funds. Now my dignifi account wont let me make the proper payment because it says its paid for completely. I called once again and they said Id probably be charged a late fee once it goes back to normal because I didnt properly pay on time apparently.When I had set up auto payments and they tried to take money $2600 out of my account without authorizing it with me first. Im very upset with their lack of responsibility over a mistake they created.

We purchased a vehicle from a dealership in a local town about three months ago. We informed them that our down payment would be limited to $1,000. They inquired extensively and eventually declined my application, suggesting we try under my husband's name. He was approved through a finance company. At the dealership, they handed us a small piece of brown paper and instructed us to sign. Both of us wrote our names on it. We completed all the necessary paperwork, took the car home, and before the first payment was due, I received two credit cards from the finance company, unsure of their purpose. When I contacted the finance company, they informed me of a payment due of $149.53 by the 16th, and this was around the 10th. I questioned the charge, and they simply stated it was for the car purchase. I returned to the dealership for clarification, and the representative insisted I was aware of what the charge was for, showing me the brown paper I had signed. I explained my confusion, stating they hadn't made it clear. Now, we're facing monthly payments of $466 for my husband's loan, $180 for mine, and $149 for the additional charge, totaling $795. This amount is nearly equivalent to our mortgage, and we're on a fixed income. All we've requested is copies of our statements from the finance company to ensure our payments are being processed correctly and that there are no unauthorized charges.

I received this loan in May 2022 for an amount of $3,000. There has been an issue with the payment I made in August, 2022. The payment has not processed in the Dignify system which caused my profile to show a late payment for more than 70 days. In August I paid a total of $155; $125 is the minimum amount to pay a month and I also paid for the late fee. When I tried to make my payment for the month of September the system is showing that I have to make a minimum payment of $400 for the month. I have spoken with many representatives of Dignify to try and solve this issue, but there seemed to have been a glitch in the system which caused the line to disconnect each time. Now on 10/4/2022 I attempted again to speak with a representative. They stated that there was a mistake with the system and it was not updating my most recent payments, but I still have not received any valid answers as to why my monthly payments are doubling and the over all amount of the loan is also increasing instead of decreasing. Yet again, in the middle of trying to fix the situation the line was disconnected. Upon receiving this loan I was told there is a 6 month period with no interest put onto the account. This issue has affected my credit score tremendously and need this issue solved asap so I can continue paying off the loan.

I have an account with DIGNIFI and i'd always made on time payments since I acquired the account in September. In December my employers encountered a marked drop in profits due to lack of supply chain from China, at that time we had no idea what was happening however top paid employees (which included me) were furloughed until business picked up again. By mid February we all came to the realization that we were all in the midst of a Global pandemic. The Furlough continued and although I lacked employment and had no source of income I used my savings to keep my bills and family afloat. Once I became aware of the severity and uncertainty of this pandemic I reached out to DIGNIFI and asked for a good faith removal of the late payment reporting for January , February and April. I had completely paid the balance off as my credit rating is very important to me. I made sacrifices to be sure DIGNIFI was paid in full however the representatives at DIGNIFI have denied my request for a good faith removal of those late dates. The representatives I spoke with was extremely cold and rude, and spoke to me as if I was asking for a refund. Based on that experience and lack of understanding from nearly every person with that company i'm questioning if I even want to continue business dealings with DIGNIFI.

On Tuesday August 16, 2022 I called dignifi asked to pay my account in full to close my account and make it so I do not get any more monthly payments. I spoke to *** whom told me that there is no difference between a pay off and pay in full. I payed the $2,201.85 I was told was do. I was told my account is now closed and payed in full. I was give a reference number of ***. I have received a bill from dignifi saying I owe interest and a late fee and will continue to get charged until the $*** is payed. I called to explain I do not owe anything, I payed in full. I spoke to *** and his boss ***. Both insisted I needed to pay the interest. I explained that the consumer (myself) should not be financially responsible for a employee not closing the account correctly and/or not telling me the correct pay off information. I asked *** if he is calling me when the recording was ready and he told me he can not make out going calls. I need to keep calling until it is ready. I asked to speak to ***'s supervisor and was told that he can request his boss to call me with in the next *** they can not make out going calls. I regret that at this point I did start to loose my temper and hung up on ***. To protect my credit I logged on to dignifi.com and payed the *** they claim is due. I am looking for the $*** to be fully refunded.

I received a loan from Dignifi Oct 2021, in the amount of *** I was offered the loan interest free for six months. ( only reason I got the loan)Early on I received a text saying my payment was late, I called to find out what was going on, I was told it was a mistake there was a problem with their system.I was contacted again stating a late payment, I Immediately sent my bank statement information showing payment was on time. I've had several problems with the company so I paid my loan off early to find they charged me three late fees. I was told they removed one late fee charge and would not remove any others. I have never been late on any payments and paid the loan off early they refuse to remove the late fees. they log income payments 7 to 10 days after being received. Only one of my payments were logged the day it was received. I have resubmitted all payment records to the company and I am being charged interest payments on top of the late fees and was told they will continue to charge interest fees until this account is written off. This will go against my credit due to no fault of my own. I contacted an attorney to find out It will cost me more in attorney fees then I owe on the late fees so probably not worth my time. I have read other reviews saying the same thing being charged Unwarranted late fees.Please advice me how to resolve this problem and stop this company from doing this to anyone else.Sincerely,M

this stared with a car extended warranty through DigniFi with this I got charge card , my car broke down & I call DigniFi too see how much I had on the card which was ***& some odd cents so I asked what dealership I could take it to they didn't know I had to look it up which turned out to be the only deal in town *** in *** . so I call them they do take the DigniFi charge card so I call roadside service to have them pick up my car & take it to *** four day later they call me & said it was done, so I go to pick it up & the card card dose not work come back invalid so we call customer service at *** the guy there tell the dealership he not using it right , so *** the service guy at *** tell him to wait minute he would go run it again, come back in INVAL again . this charge card has no expiration date on it & that why it being denied , so after this whole process I end up having to write out a check for $295.93 . I have call customer service several times can not get any help on it so I decide to withhold my payment for 2 1/2 months . so the other day they call me about my past due payment , I told them I want my $295.93 back they said they don't give refunds I have in the meantime cut up my charge card & send a letter to the main office & still have not got a reponse , si at this point they told me they were going to send the whole $2000.00 that I own to collections

On February 17 2022 someone opened an account with my information with Dignifi Expressway and charged around $2236.00 I did not find out about it until April 20 2022, I immediately contacted Dignifi Expressway to tell them the account had been opened fraudulently, they closed the account and removed it from my credit report, a few day later I got a letter requesting my personal information including a police report, I mailed the information that they had requested without the police report because the *** sheriff did not send anyone to file the report, I also went to the police station to try to file the report and I was told to call and the would send someone over to take it, I am still trying to file the report but have not been able to get an officer to come over and file it, meanwhile Dignifi Expressway has resumed sending their *** and they won't close the account that they opened without my permission. I have already reported the fraud with the credit agencies and put a fraud alert on my name and social security, in addition to this I paid for Life Lock to protect my name and social security number against future fraud attempts. Dignifi Expressway is making me go through hoops trying to fix the issue that they started, tbey could go to the merchant where the account was opened and try to locate the person responsible for this but instead they are trying to collect from me, the victim of identity theft. Please help me get this sorted out, I have called Dignifi Expressway several times to explain the situation and the refuse to close and dismiss the account.

I was approved for a $1000.00 dollar loan from DigniFi on February 2022. According to DigniFi, I will only owe $1000.00 dollars plus an annual fee if the loan is paid off by August 2022. I made my the first payment of $100.00 dollars to DigniFi on March 18, 2022. I made a second payment of $300.00 dollars to DigniFi on April 27, 2022 and a third payment of $100.00 dollars on 5/31/2022. On May 10, 2022, I called *** to pay off the entire balance, but as I listened to the automated message, I noticed that the $300.00 dollar payment made in April had not been posted to my account. I immediately pressed the option to connect me to a representative because the $300.00 dollars had been debited from my bank account. When I asked the young lady (representative), "why does my account have a balance of $988.40?," her reply was "because that's what you owe!" Our conversation did not go well, so I asked to speak to a Manager. The Manager suggested I fax over a copy of my bank statement because she did not see the $300.00 dollar payment. She gave me a reference ID# *** and told me to fax the info to ***. I've sent paperwork to DigniFi twice via fax. I've called DigniFi just about everyday after May 10th, and all I'm told is "*** someone is still working on your account" and "mistakes do happen, just bear with us." The payment was made on April 27th with a debit card and as soon as I made the payment, the money was removed from my bank account. I'm just having a difficult time understanding why this is taking over a month to fix. Meanwhile, I am being charged late fees and late payments are being reported to the *** This is not fair to me at all!

I attempted to pay off my balance of 518.00 (some change) back on September 4. Per my contract I had a 90 day promotion interest free until November 11. I noticed my payment had not come out of my account for the payoff and reached out to your rep to question what could be the cause and was advised maybe the holiday. Today Sept 9, 2020 I called and spoke with a rep to discuss payment and why had not been taken out of my account and was advised that I used the routing number for account number and account number for the routing number and payment had returned UTL. I requested to speak with a supervisor who i was transferred to *** who had no regards to payment and the returned payment fee I was being charged for 25$. I asked if could be waived as a courtesy and I was advised no. I then requested to speak with someone about her which she transferred me to Heather a customer service manager who told me that regardless to if the payment was returned UTL or not I would still be charged and she was doing me a favor to allow me to keep the 90 day interest waived program. Question 1, if I am on a 90 day interest free program that does not expire until November 11,2020 and was attempting to pay off well before for then how could the program then be honored again as a courtesy due to UTL payment when In fact I was paying off early. 2nd question I advised that I would pay the 518.00 ( and change) for the actual loan and was advised that I would be charged interest on a 25.00 UTL fee. At this point I am requesting that all payment information be removed as you do not have the authorization to draft my account for payment. I will look into this matter in regards to the INTEREST being charged on a 25$ UTL not NSF but UTL. Still waiting on someone from higher up to return my call

I have a card with Discover and received an offer to do a balance transfer and decided to do so when I found DigniFi card offer is 6 months deferred interest. Discover sent the check in early February. It shows it was posted on my Discover account February 7th. After a couple of weeks, I noticed there was no payment posted on my DigniFi account and called both DigniFi and Discover. Discover said the address on the statement is different than the one on transfer so they did a stop payment on the check and sent the funds again March 14th. March 25th I noticed that a payment was posted to my DigniFi and I had an overpayment. I requested the refund, but by the end of the week it showed my original balance. I called DigniFi and they said that I had put a stop payment on the check, but I said it was Discover and not myself. I called Discover to find out about the second payment because DigniFi said they didn't see a second payment. Discover sent the 2nd payment via electronically. I called DigniFi multiple times to find out abut the funds and nobody saw second payment and only a check was sent then returned. Discover *** contacted me directly) and we did a conference call. This customer service agent verified the fax number for Discover to send proof of payment. When Discover and I called again to verify it was accepted we were told they don't accept faxes from 3rd parties and I would have to fax it or mail a letter. I mailed a letter. It wasn't until second phone call when someone put in a request to find the payment which was May 16th. I have called repeatedly and last week someone put in another request. I was told today that they are pending and cannot be expedited and no way to know when it will ever be looked at. I was also charged the interest since the 6 months was up as of June 1st even though payment was sent in March. Discover can't do more and told me the funds have not been sent back and put a hold on my transfer until the funds are found.

On 5/12 I spoke with 2 Caucasian women who both spoke with a deep southern accents, about a Total Payoff. Paid IT. They have RUINED MY CREDIT! "AMERICA BEWARE" I will NEVER, NEVER, NEVER, NEVER, NEVER, NEVER, NEVER, NEVER, NEVER, NEVER, NEVER, NEVER,NEVER, NEVER, NEVER, NEVER, NEVER EVER, EVER, USE OR RECOMMEND THIS COMPANY FOR ANYTHING! These Two Caucasian women at DIGNIFI Purposely RUINED MY CREDIT. After speaking to these two women regarding my Payoff, I mailed two separate money orders paying the full amount for the loan that was taken out with Dignifi. These two women went into their little computer system and changed the numbers associated with my loan to make it appear that my loan was Not Paid in Full. In addition, to sending two Post Office Money Orders for the Full Amount that these two women explained to me was due. I wrote a letter explaining what was said to me by these to women over the phone. Due to the Games that I felt these women were playing on the phone I came to the conclusion that I needed to protect myself and low and behold was I "Right", and here we are! The Question is Why? Is it because they detected that I was African American over the phone.. Is it because I spoke with intellect. Is it because I'm Not Poor and really don't need their money. Is it because they can't get Rich off of this little loan and milk me for ever. Is it because I don't speak with a deep Southern Accent. The Question Remains WHY! What more could I have done after I called the company requested a Payoff by two separate women who both per claimed to be managers. I sent the amount in Full. I have copies of the Receipts. I have a copy of the letter that I wrote. I took pictures of everything. This Company has almost Single Handedly Caused My Credit Scores to Drop By Eighteen (18) POINTS! This small loan has RUINED My Life as well as My CREDIT. The sad thing about this whole matter is that it was done on Purpose! And I REFUSE TO LET THIS GO!

I opened an account with Dignifi in December. I took out around $800 to pay for my car repairs through *** Honda in Colorado Springs. Upon using my Dignifi credit account to pay for these repairs, I asked my service tech at Honda how I would begin to pay it off & how it worked. My service tech told me that I would receive paper statements in the mail, and that would instruct me how to pay my bill each month. I waited around all of January & I never received a statement. Dignifi called me at the end of January , & said my payment was late. I was very upset by this because I had never received a statement. I didn't end up paying any late fees, this time. They told me next month I would receive a statement. I also set up automatic payments. All of February , I did not receive a statement. Dignifi did NOT take my payment out of my account, even though I had set up automatic payments. I did not notice, because I set up automatic payments. March rolls around, I did not receive a statement. At this point, I'm getting very upset because there's no proof that I'm even paying towards my credit card. Dignifi called me around the middle of March, saying my payment is almost a month late. I am livid, because I set up automatic payments to avoid this type of scenario. The representative from Dignifi that I am speaking with, denies automatic payments were set up. They lied to me. This is when I really start to question if this is a fraudulent organization. So, on March 16th, I am ordered to pay my payment and $121 in late fees. I am very upset by this. At this point I have inquired about why I'm not getting statements several times and complained several times. They've lied to me. I told them I wanted to shut off automatic payments in fear they will take unauthorized money out of my account. So now it's April . I pay my payment. I do it myself this month. I still have not received a statement and I complain again. It's now May . I pay my payment on May 21st. I call and do it. Dignifi withdraws my payment out. A couple weeks later, I get a call. I have not paid my payment and I owe my payment and $40 in late fees. It should be noted here that I have the bank statement to prove I paid my payment, and Dignifi still says I haven't. I still have not received a statement. So it's June . I am trying to repair my credit so I do the responsible thing and pay what they say I owe, but I am livid. I've been paying on my account for 6 months, and I have not seen one single statement. I give my girlfriend, *** Miller, permission to speak on my behalf to Dignifi regarding my account. She gets on the phone with a representative, and says we have several complaints. She is transferred to a supervisor. The first thing *** complains about is the fact that we've been with the company 6 months, and have not received a statement. The supervisor's response to this was "Well, I don't control the mail & neither do you." Very unprofessional. The supervisor tells her there's an online account where you can log on and see statements. We've logged into my online account multiple times, and there's no place to view statements. Another lie. *** then complained about how we made my payment on time in May , and we have the proof to back it up. The supervisor responds with things like, "It's a long process, but I know we've definitely lost payments before.", and "In my personal opinion, you should pay your card off and be done with the company." The supervisor discouraged us from proving that we had made my May payment, because, "it takes lots of time and effort, and I know we all have lives." *** also inquired how we would pay it off, because we don't know how much we owe, and have never seen a statement. I have no proof, still, in 6 months that this is not a fraudulent organization. The ONLY reason I continue to give them money, is because I do not want anything to negatively hit my credit report. We all know how having a bad credit history can be very bad for you. I do very much believe that I am being scammed. They've lied to me, stolen money from me, and denied my basic rights as a customer. I've given them hundreds of dollars and I have no idea where it's going. I want my money back. I've complained to Dignifi on too many occasions to count, and nothing is being done for me. Please help.