The #2 way they make it hard to pay…kind of…is that the monthly statements “amount due” only represents the interst amount that is accrued monthly. Customers that follow EnerBank USA most often also follow: Common questions, curated and answered by doxo, about paying EnerBank USA bills. When I spoke to a representative, I was told the only way to access it is by making a payment via the website. I telephoned them and said I didn’t see how my payment could be received so late unless they had a very bad receipt system (Visa was sued for just that), and they said they would “waive this one-time fee, but it was a special exception.” Well, they just sent me another bill for that old fee they waived. Their customer service agents are so unprofessional and their lack of knowledge is appalling. We weren’t trying to avoid paying what was owed but were questioning how the payments were being applied and wanted an accurate amount that was owed now. 1245 Brickyard Road Suite 600 Salt Lake City, UT 84106. The down side is online you cannot see what the loan balance is. Logoff. EnerBank told me that their daily accrued interest is $2.96 per day, and that I wouldn’t be paying my loan off until 2021. My draft date is the 20th of each month, but yesterday on 01/28/2019, I noticed the money still hadn’t come out of my account from the 01/20/2019 draft. it was all interest due.We requested a payoff amount be sent to us via mail for the amount due as of the end of July because of the threat of a lien being placed on the house and the woman tried to get us to continue with the loan payments that are in place. DO NOT get a loan from this company, if something happens to you and you are unable to talk to them they will refuse to talk to a family member especially if you were in the process of paying the loan off before the interest started. You can’t find your account balance, you can’t email them for help, their paper statements are useless if you plan on paying off your loan before the interest kicks in. Communication was very snail-speed. ******6230 2. I will say that their customer service reps are always courteous, and state that some online method of tracking balances is forthcoming (6 months now of saying that). Just make it stop. It would be more economical to charge your roof on a credit card. Terrible company! End. They have been a constant annoyance since then however I will not be making any more payments. No way to check balances on a regular basis. I would have just waited and financed through another bank. Their statements do not. I do see today, 01/29/2019, the money is as a Pending charge on my checking account. We would definitely recommend EnerBank USA to our friends and family. Welcome to Nedbank1. EnerBank USA is a scam and a bad service provider as per the report filed on dirtyscam.com. You are a nuisance they have to squeeze to get money for their contractors. Steer clear of EnerBank USA for any sort of loan. Organize & pay all your bills in one place. I have absolutely no contract that was ever given to me stating any of this information. Main Menu #. You can contact them directly by phone 888-390-1220, email (. Your Reviewdocument.getElementById("comment").setAttribute( "id", "a65f18ee34bd64f51495e4ebb5535610" );document.getElementById("e65bbdbecd").setAttribute( "id", "comment" ); Save my name, email, and website in this browser for the next time I comment. They charge daily interest so the only way to find out the balance is to calculate what it is if you know the day they cash the check. I requested to speak with a Supervisor, as Mindy did not sound confident in what she was telling me. Very poor way of doing online business I personally would not tell anyone to do business with you unless changes are made A.S.A.P. It’s just a terrible experience. ******62302. Also Known as:  I have never done business with any company where you can’t find this information easily without having to take time out of the work-day to call on the phone. No statements sent, no amortization schedule of how your payments are applied. After disagreeing, I decided to just pay the $74 amount yet now we owe a few hundred more. What company or banking institution in this day DOESN’T have some online presence or means of conducting business electronically? No endorsement has been given nor is implied. EnerBank USA is located at 1245 Brickyard Rd #600, Salt Lake City, UT 84106, USA. about doxo According to the report(s), US $3252 was the total loss incurred by EnerBank USA’s customers. When you go on the website it give you no option to pay off the loan. Will, try on my own to contact them, after that my attorney will have enough to take legal steps. doxo users have associated this company with these services. Logos and other trademarks within this site are the property of their respective owners. There were times I was uncomfortable or uncertain about the company. Do not take a loan out with this company they will not work with your family if something happens to you. Very shady business – but we will see if they really send the bill to us or stretch this out farther to collect more interest. If you want a loan do iit with anybody except for them. The terms of the loan are never disclosed. I sincerely believe that this is predatory lending. you will end up paying double the loan amount – 20 year loans at super high interest. doxo enables secure bill payment on your behalf and is not an affiliate of or endorsed by EnerBank USA. Worst-handled loan payment system I’ve ever dealt with. The best I can figure out is the only way to tell would be to set up a spread sheet to track the extra principal payments and use it to double check on their calculations. Please, save yourself, if you don’t have an EnerBank USA loan, please DO NOT get one. She stated she could try to get a Specialist on the phone. receive my second statement and I find that I paid $152.30 in principal and $47.70 in interest. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app. When starting a new loan that is stacked you send all apps. Customer service is friendly enough, but not at all helpful. Too bad you have no way of knowing all this because the businesses do business with this bank! It would be more economical to charge your roof on a credit card. Does doxo process payments for all EnerBank USA services? It is impossible to figure out your loan. They received my payment 10 days late, so I must pay a late fee. doxo is not an affiliate of EnerBank USA. I would neither recommend nor not recommend this bank. You can contact EnerBank USA by dialing. Second statement arrives I am told I paid $87.27 for principal and $12.73 interest per the statement I was sent. except via their mailed statements. Step 6 - Select a bank account, then click "Reply" to send your selection. I have a question about my EnerBank USA bill. How to view your balance without logging in. I do not want or need to be charged to make payments just to access online. My main complaint, as with others, is with the inability to see the remaining amount of your loan in the online payment system, but I see in the responses that they are working on rolling out a solution. You must take necessary precautions/measures before buying or using their services. AVOID ENERBANK USA. Step 3 - You will be prompted to enter the first six digits of your ID number. Not surprised by the negative reviews, this company is difficult to deal with and is somewhat in the dark ages [1980’s]. Learn First question should be, ‘what bank do you deal with’? Customer Service Homeowners. ******5421 #. Balance for account ******6230Avail R6 198.92 Curr R698.92 Balance shown may not reflect all recent transactions. doxo is a secure all-in-one service to organize all your provider accounts in a single app, enabling reliable Very easy process. If I had been informed by EnerBank that a $7,500 job was eventually going to cost me over $17,000, I would have never used them. In late 2014, Enerbank reached out stating that we owed an additional $74 outstanding balance. No one hides this much information from their customers unless they are scamming. you will end up paying double the loan amount – 20 year loans at super high interest. Logon 2. Luckily I got a knowledgeable service person. Was able to get my balance and paid loan off before deferred interest was added. She immediately began speaking with me about my private, sensitive, account information. doxo users have indicated this company does business in these areas. Only learn after the fact that that 1) there is no online means of making payments; 2) there are no online means of getting your balance or confirmation of payments; 3) company doesn’t issue statements monthly or yearly for that matter; 4) on their contact page. When adding EnerBank USA to their Bills & Accounts List, doxo Users indicate the types of services they receive from EnerBank USA, which determines the service and industry group shown in this profile of EnerBank USA.  This is done by verifying your credentials against your phone number. Could not have been easier, a huge help in deciding which home improvement option was right. Logoff. Step 4 - Enter the first six digits of your ID number, then click "Reply" to continue. So this is #1 way they make if difficult to pay off your loan. The application process was fast and very simple. If you’re not able to do the same, definitely consider a bank with better loan terms. Step 1 - Enter "2" to select "Balance enquiry", then click "Reply" to send your selection. Even calling the help people you get the wrong info as to which to sign first and which to sign last. I would use this service again, if necessary. The only explanation is that their intent is to defraud their customers. This is liable to not be the first post on this subject. Options for reaching EnerBank USA customer service. When I first started making payments I didn’t have a coupon book and was charged late payments, when I paid my payments weeks before they were due. It is impossible to figure out your loan. I am, again, astounded at how bad EnerBank USA’s customer service is. Not a happy customer. Click "Reply" to proceed. I wish i can give 0 stars is the worst bank to work with. Unfortunately, these companies try to take advantage of customers not realizing that we are intelligent and that in my case we have an Attorney and a Judge working in the family. Read through the reviews from years ago where they say that online account access is “coming soon”.

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