Complaints

We take every complaint seriously.

If you have a concern about our services, your membership, or any aspect of your experience with Savings.Club, we want to hear about it. Our formal complaint process ensures every issue is reviewed, investigated, and resolved.

Complaint Process

Submit Your Complaint

Email complaints@savings.club with a detailed description of your issue, your membership ID (if applicable), and your preferred resolution.

Acknowledgment Within 48 Hours

We acknowledge every formal complaint within 48 business hours. You will receive a case number and the name of the team member handling your complaint.

Investigation

Our compliance team investigates the complaint, reviews relevant records, and may contact you for additional information. Most investigations are completed within 15 business days.

Resolution

We provide a written response with our findings and proposed resolution. If you are not satisfied with the resolution, you may escalate to our Member Governing Board.

Contact Information

Email complaints@savings.club

Mail Savings Club Financing Technologies, LLC. Attn: Compliance Department

If you believe you have been the victim of fraud or a violation of consumer protection law, you may also file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or the Federal Trade Commission (FTC) at ftc.gov.

Disclosures & Footnotes

About Savings.Club
Savings.Club is a brand name of Savings Club Financing Technologies, LLC. Savings.Club is a fintech company, not a bank. Savings.Club does not accept deposits. Member common fund contributions are held in a trust overseen by Jackson Hole Trust Company, a licensed fiduciary, with accounts held at US Bank, an FDIC-insured institution. FDIC insurance covers member funds in the trust up to applicable limits. Savings.Club cannot access, redirect, or use trust funds for any purpose other than member benefit.
Flat Fee Structure
Savings.Club charges a flat Membership Fee, not interest or financing charges. This upfront fee simply covers our comprehensive services—such as administration, oversight, security, education, and more—as well as the infrastructure that allows our members to help one another finance purchases. The fee is calculated once, never changes, and does not accrue daily. It varies by financial profile, product category, and voucher value. Membership does not guarantee a specific timeline for asset award.
Savings Comparisons
All savings comparisons on this website are based on published average rates by credit tier and standard amortization calculations using data from the Federal Reserve, Experian State of Auto Finance reports, Freddie Mac Primary Mortgage Market Survey, and other public sources. Individual results may vary based on credit profile, asset selection, and market conditions.
Savings Score & Selection
The Savings Score is a proprietary, patent-pending metric developed by Savings.Club. Members are assessed monthly on the 15th. Selection is based on Savings Score ranking within your club. Savings.Club does not guarantee a specific timeline for receiving a purchasing voucher.
No Credit Check
We accept all credit profiles, and a credit check is never required to join a savings club. You may optionally provide your credit score to improve your Savings Score ranking, but it is entirely up to you. Savings.Club does not perform hard credit inquiries as part of the membership process.
Flexibility During Savings Phase
During the savings phase (before your purchasing voucher is awarded), you may switch to half-payments, freeze your contributions, or transfer your membership to another person. After your purchasing voucher is awarded, standard obligations apply.
Global System References
References to the global savings club system describe the general cooperative purchasing model used in over 100 countries. Historical references to 800+ years describe the documented history of cooperative savings clubs globally.
Not Financial Advice
The information on this website is provided for educational and informational purposes only and does not constitute financial, investment, legal, or tax advice. Please consult a qualified financial advisor, attorney, or tax professional before making significant financial commitments.
Patent-Pending Technology
ROTEX AI and the Savings Score system are patent-pending technologies developed by Savings.Club. Patent application(s) have been filed with the United States Patent and Trademark Office.
Compliance Program
Savings.Club maintains policies and procedures to address key federal and state regulations, including TILA/Regulation Z, BSA/AML/KYC, and ECOA fair lending principles. Savings.Club currently operates in TX, FL, MA, and CT.

For complete legal documentation, visit our Legal Hub, Disclosures, or Consumer Protection pages.