Circleback Lending, Inc.(Closed) CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
03/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • IL
  • 60110
Web
Applied for loan with Circleback Lending - after they solicited me for my good credit record. Submitted all documentation that was asked for. They asked for a promissory note from XXXX XXXX loan that I received in XX/XX/XXXX. I talked to them on the phone and received multiple form letters asking for the promissory note. Each time I explained there were XXXX separate promissory notes for this loan since the funding is provided by individuals. I provided copies of some of these promissory notes and was told it had to be XXXX promissory note. It does not exist. I was not able to get someone to look at this and treat it the way it should be treated. They denied the loan saying I could n't provide documentation. But I did provide the documentation that exists for the XXXX XXXX loan.
10/20/2016 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 380XX
Web
I lost my job in XXXX of 2016. I had taken out a loan with CircleBack Lending, but informed them of my unemployment status. I sated that as soon as I regained employment I would be able to begin paying again. I was unable to regain employment until the beginning of XXXX. I have done everything they asked, but I continue to be told my loan status is delinquent. I received calls and emails constantly, even after speaking to someone. I am being bullied and harassed by this company as I have several emails indicating that CircleBack may have to report me to debt and credit reporting agencies. In addition, my family members have been contacted on home phones and cell phones.
02/14/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 223XX
Web
I have had a loan with Circleback Lending for over a year. They recently completely eliminated their website, without seeking consumer consent for changes, and made online payments impossible. Now the only way to make payments are through the phone, with an average wait time of 10-15 minutes, or through automatic debit. Unfortunately, they do n't have an online site through which customers can download automatic debit forms and have failed to email the form to me, despite my requests. This approach to customer service and to lending would have been a deciding factor for me when I chose this lender, and I would not have taken the loan with this organization.
09/16/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 91942
Web
My problem with Circle bank lending is with the discouragement of making extra payments on your loan. They charge a XXXX Special payment fee for anything other an EFT. There website does not provide any ability to make an extra payment. In addition they do not report accurate information to the credit bureaus I have had my loan for 1 year and according to my XXXX credit report I have only paid 3 months ( no lates ) -
10/17/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 34747
Web Servicemember
Was pre approved for a loan. 2 weeks later loan was not funded, however they re ran my credit and caused my score to drop XXXX points. then they declined the loan for the score drop even though no information had changed in my consumer credit report
02/22/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 22630
Referral
01/10/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • XXXXX
Referral Servicemember
11/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • NY
  • 12590
Web
07/27/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 96080
Web Older American
03/22/2016 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • CA
  • 93257
Web
07/23/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 33137
Web
05/29/2015 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • SD
  • 57717
Web
12/11/2014 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • NJ
  • 07506
Web