When you visit GiggleFinance.com, you’re met with a pitch that seems tailor-made for freelancers and small business owners: “Fast and Friendly – funding of up to $10,000 in minutes.” No credit checks. No hidden fees. And you only pay back as you get paid. On paper, it sounds like the kind of cash-flow solution most independent workers hope exists.

And when you’re in a pinch — like many borrowers are — access to short-term capital can mean the difference between keeping the lights on and putting gas in the car. Giggle Finance knows exactly who they’re targeting: founders, freelancers, and 1099 workers navigating unpredictable income and tight margins.

At the time, I was under pressure. Like a lot of people who find themselves turning to alternative lenders, I wasn’t looking to be taken advantage of — I was just looking to stay afloat. I didn’t come into this looking for a fight.

But what looked like help turned out to be something else entirely.

Giggle Finance hit the wrong founder at the wrong time — and what followed revealed just how misleading, aggressive, and predatory their tactics really are.

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What Actually Happened

To understand how this unraveled, let me start with the specifics: I received a $1,200 advance from Giggle Finance. The repayment schedule was fixed — $180 per week, every Monday, for 10 weeks — totaling $1,800. That’s a $600 markup on a $1,200 balance, or a 50% premium over just 2.5 months. The effective APR? Over 400%.

Giggle doesn’t call it a loan. They frame it as a “purchase of future receivables” — implying that payments are flexible and tied to your income. They also suggest that you can simply “let them know” if your revenue changes. In practice, that could not have been further from the truth.

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What Happened After

After two weeks of coercive messaging and unauthorized debits, I pushed back hard.

I built a GPT tool specifically to run every incoming text from Giggle through legal checks. What I found was staggering: nearly every message likely violated at least one regulation — from Regulation E to UDAAP and the FCRA.

I responded forcefully and directly each time, making it clear I wouldn’t be intimidated. Their tactics escalated, then plateaued — and then they stopped. Completely.

Weeks later, I received a voicemail from someone named Stephanie, one of their collection managers. She also sent a text message. I was just as direct in my reply. Three more weeks passed before I received another voicemail.

Here’s what I sent her in response:

Hi Stephanie — I received your voicemail. Please be aware that I will only communicate further via text, email, or certified letter given that this is now an active legal matter.

I request that you provide a copy of the original signed agreement for my records. I would also like written responses to the following:

1. Why did Giggle Finance pull a consumer credit report for a product marketed as a business receivables purchase?
2. How does Giggle justify requiring fixed weekly payments that are untethered from actual business revenue?
3. Why were payments not adjusted or paused when your team was informed that no revenue was being generated?
4. Why were ACH debit attempts made after written revocation of authorization?
5. Why did your team threaten consumer credit damage within 24 hours of a missed payment?
6. Why was a consumer-coded ACH withdrawal initiated after revocation, triggered by Plaid-linked account activity?
7. Why did your collections team spend two weeks sending coercive texts and requiring I agree to “consequences” in writing in order to revoke auto-payments?

These behaviors are textbook violations of Regulation E (unauthorized debits), UDAAP (coercive and deceptive practices), and FCRA (improper credit handling), and they mirror the exact misconduct that has led to shutdowns and enforcement actions against similar illegal MCA operations.

Unless you can provide written evidence that the original agreement is enforceable and that these practices are legally compliant, I will not engage further. Escalation through regulatory and legal channels is already underway and will continue regardless of your response.

A month has now gone by. I haven’t heard a single thing from Giggle Finance. No texts, no emails, no letters, no smoke signals, no Ouija board messages — nothing. I’ve received no notices of collections, no credit alerts, and no further attempts to debit any accounts. That silence may suggest awareness of how serious this situation is — and how damaging it could be to the survival of their business.

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Who I Reported Them To

I pulled their banking information from the ACH logs and identified their provider: Wells Fargo. I reported them directly.

I also filed formal complaints with:

• Consumer Financial Protection Bureau (CFPB)
• Texas Office of Consumer Credit Commissioner (OCCC)
• Florida Office of Financial Regulation (OFR)
• Texas Attorney General
• Florida Attorney General
• Federal Trade Commission (FTC)
• Plaid (regarding unauthorized account monitoring)
• Stripe and NACHA (infrastructure complaints)

Each one has confirmed receipt. Investigations are ongoing.

Borrower Feedback: I’m Not the Only One

Trustpilot:

“Deceptive Process, Unreasonable Repayment Terms… They will debit other accounts… and did to my kids’ account.”

Trustpilot:

“The company (Giggle) said the loan would have ‘no effect’ on my credit, but as soon as it was approved my credit score took a big hit… weekly payments… started 2 days after I received my funds.”

BBB Complaint:

“Harassed and berated… constantly told they were going to report me to the credit bureau” despite errors on Giggle’s part.

BBB Review:

“They took $976 without my consent… I filed fraud with my bank and a police report has been started.”

Trustpilot:

“Predatory Loan Disguised as Business Advance… they pulled my personal credit report… they explicitly deny any flexibility once you’re in repayment.”

BBB Complaint (Single Mother):

“They have harassed and berated me all day… It is destroying my mental health.”

Finder.com:

“Predatory practices and unauthorized transactions… F rating on the BBB.”

What a Real MCA Looks Like — and Why Giggle’s Isn’t One

A legitimate Merchant Cash Advance (MCA) adjusts repayments based on your actual revenue. For example, Stripe Capital deducts a percentage of your daily Stripe sales. If you don’t make sales, there are no deductions. That’s real revenue-based financing.

Giggle, on the other hand, used the language of an MCA to get around lending laws — then structured the deal like a high-interest, high-pressure loan. That’s deceptive.

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Know Your Rights

• You can revoke automatic payment authorization at any time (Reg E)
• Collectors cannot harass, intimidate, or deceive you (FDCPA/UDAAP)
• You have the right to dispute unauthorized transactions with your bank
• They cannot threaten credit damage without lawful basis (FCRA)
• You are entitled to a copy of any agreement you sign
• Regulation E protections may apply to consumer-coded withdrawals even on business accounts

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Tell Your Story

If you’ve had a similar experience with Giggle Finance, I want to hear from you. Use the form below to submit your case. I’m compiling evidence for active regulatory and legal escalation.

[Borrower Intake Form]
(Name, Email, State, Date of Funding, Summary of Experience, Open to Legal Action?)

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Disclaimer: This page reflects my personal experience and interpretation of events as a borrower. Nothing on this page constitutes legal advice. All claims are based on available documentation and personal communications at the time of writing.

This isn’t just about one bad funding experience. It’s about a pattern of deception. And I’m not backing down.