LendingPoint Holdings LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
12/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 945XX
Web
XX/XX/XXXX, I applied for a loan with Lending point electronically, my initial point of contact processing the loan was XXXX XXXX, I submitted all required documents that were requested, this portion was handled by XXXX XXXX, the document and funding was approved of XX/XX/XXXX, which XXXX XXXX informs me the money should be in my account within the week. I agreed to have my payment taken via ACH from my bank account to ensure payment would be made in a manner. Payment was always on time, they would send me an email informing me when the payment would be taken from my account, the first payment would be deducted from my account XX/XX/XXXX. All payments were paid timely. Until XXXX I asked if the payment date could be changed, which they did not allow me to change my payment date from the XX/XX/XXXX is of each month to the XX/XX/XXXX instead, therefore I sent an email letting them know that they will no longer be able to access my account for the reoccurring payment, I then had control of when I will send the payment, I get paid on the XX/XX/XXXX, therefore making it easier for me to pay and not have it interfere with other bills, I did reach out to them but they considered my payment late, because I no longer paid them on the XX/XX/XXXX but instead on the XX/XX/XXXX, they were unwilling to accommodate my request and I did not pay the late fees, I just didnt want to incur any more debt by allowing them to take the money from my account, but I always paid on time. My payment history was great so great in fact I received this email on XX/XX/XXXX. Read below : You're our favorite XXXX, as a token of our appreciation for being the best part of LendingPoint, we may be able to lower your payment. What will you do with the extra money? Finally take the vacation you deserve? Pay off other debts faster? The choice is up to you. Ready to get started? Im here to help. Below is a link to my calendar where you can pick a time that is convenient for you, and I will call you directly. Talk to you soon Schedule a Call In appreciation, Sales Team Loan Specialist XXXX XXXX *Applications submitted may be funded by one of several lenders, including : XXXX XXXX , a Utah-chartered bank, member FDIC ; LendingPoint, a licensed lender in certain states. Loan approval is conditional upon underwriting approval. Actual loan offers and loan amount, terms and annual percentage rates ( " APR '' ) may vary based upon LendingPoint 's proprietary scoring and underwriting system 's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0 % - 6 % may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. If supporting documentation is received the same day as the application and meets our criteria for final approval, applicants may receive their funds as soon as the next business day dependent on their banking institution. This email was sent to : XXXX This email was sent by : LendingPoint XXXX XXXX XXXX, XXXX XXXX, XXXX, GA, XXXX I also received the same offer on XX/XX/XXXX, XX/XX/XXXX from XXXX XXXX. I inquired but told XXXX via email I was not interested on on XXXX XXXX. On XX/XX/XXXX, I received the same email from XXXX again, I didnt respond. When XXXX hit in XX/XX/XXXX, it affected my family severely, due to my husband being a XXXX XXXX, so he wasnt working and I was deemed an essential worker, we only had one income and my income alone was not enough to fund all of the bills. I reached out to all of my creditors some helpful and I spoke with XXXX XXXX and this was his offer to me sent to me XX/XX/XXXX Hi again Ms. XXXX, Thank you for speaking with me. Feel free to e-mail me back or call me and leave a quick voicemail at ( XXXX ) XXXX. As I mentioned, you are currently qualified for two flexible options to refinance your loan account : Option 1 : Additional funding. You may request up to {$10000.00} at this time. Additional funding would be added to your current balance, so youd still have one account with one payment schedule. Borrowing more may be a good option for consolidating other debts, or paying off credit cards. The amount can be adjusted to fit your needs. Option 2 : Reduced payments. We are able to apply a term extension to your current balance, resulting in a much lower payment. The loan would continue to have no penalty for early payoff. This means you get the flexibility of a lower payment, while maintaining your freedom to make additional payments on principal to speed up the payoff. Option 1 will include a free discount on your interest rate. The discount would apply permanently to both your current balance, and any added funds. Looking at just one of the many possible options for you Currently you are paying {$550.00}. on a 48 month term. The APR on that is 26.402 % You have {$13000.00} left on that loan. If youd like, just by adding {$1000.00} to your account, we can drop that interest rate down to 22.292 % and if you did that on the 48 month option, your payment could go as low as {$430.00}. Plus youd have an extra {$1000.00} to spend! Now personally, I would sugguest you do this on the 34 month option so you dont extend the loan, yet still get a lower rate and payment. On that option, the payment would be {$540.00}. There is NO pre-payment penalty and any extra goes straight to principle! If you are interested in seeing a quote for any option or amount, please let me know. I look forward to assisting you with this simple process. I look forward to hearing from you, XXXX LendingPoint XXXX XXXX Account Manager XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX T : XXXX | D : XXXX CONFIDENTIALITY NOTICE : This e-mail message, including all attachments, is for the sole use of the intended recipient ( s ) and may contain confidential and privileged information. If you are not the intended recipient, you may NOT use, disclose, copy or disseminate this information. Please contact the sender by reply e-mail immediately and destroy all copies of the original message, including all attachments. This communication is for informational purposes only, is not an offer, solicitation, recommendation or commitment for any transaction. Your cooperation is greatly appreciated. I was attempting to work with them I was able to secure monies XX/XX/XXXX, to pay off my debts and I reached out to Lendingpoint multiple times to resolve this debt, to no avail no phone no email nada, from them ( which I have all emails, not the phone calls to them ). After sending demanding emails to please work with me I received an email from XXXX XXXX with the following : XXXX XXXX, I received your request for settlement I will have XXXX follow up with you today as she is our settlement representative. Also would like to address that we had a Do Not Call on our file per your request please advise if this was accurate. I am showing that your contact number is XXXX XXXX XXXX or do you prefer to communicate by email only. Thanks LendingPoint XXXX XXXX Collections Manager XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX T : XXXX | D : XXXX Mind you when I was chasing and leaving messages or speaking with a customer service representative I gave permission numerous time for them to please call me. Heres one of my emails and the follow up with XXXX : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : Member Services XXXX ; XXXX Subject : Settlement on account CAUTION : This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. Dear Sir/ Miss I have called your office several times to request a payoff and settle the account. My calls have sheen futile and not helpful at all. It has been three days of inadequate assistance and the inability to return phone calls when given permission to call me with the number they have on file. Each day the payoff increases, XXXX XXXX one the XX/XX/XXXX, i called waited on the phone with the on the line off the line holding, than for the XXXX to tell me she is at lunch? Asked if it was ok for her to call me. XX/XX/XXXX : Same thing hold, back on the line, holding and clearly have my number again, The person on the phone will send her a message and was placed on hold, she came back on the line to let me know she would inform XXXX of my message and request for a return call back. XX/XX/XXXX Same thing but the holds were not as long because I didnt have the patience to do this again and my frustration level was pretty high with my anxiety, I have the opportunity to settle this account and I only have a certain amount but each day it increases this is causing me STRESS! When my payment was a tad past due you didnt have an issue calling and emailing 59 times a day to request your money, my payment history is in good standing or at least it was before The Corona Virus ... I have to resolves this so I can nose concentrate on keeping a roof over my family heads and food on the table. Im the only steady income earner at home now and XXXX young adults in College.. When I call again toythis will be my 4th time reaching out to Lending Point? WTH??? I did include my State Attorney General in this email. This is ridiculous if there is only XXXX XXXX that works in that department as XXXX stated in our phone conversation today, she is the only one in the Settlement Dept.and receives a lot of call, well may I suggest Lending Point hier some HELP? XXXX XXXX XXXX XXXX XXXX response : Hello XXXX XXXX, I just tried calling and was unbale to reach you. If you are requesting to settle your account, please provide your recent bank statements, as well as the information listed below. Today 's payoff : {$14000.00} Reason For Settlement Date of hardship occurrence Source of income Are you still employed Employer Job title - Monthly Income Settlement Offer - Settlement % - XX/XX/XXXX payment due date - Thanks, XXXX LendingPoint XXXX XXXX Collection Specialist XXXX XXXX XXXX XXXX, XXXX B XXXX, XXXX, GA XXXX T : XXXX ext. XXXX | F : XXXX My response all of this was on XX/XX/XXXX : Miss XXXX , I will not provide you a copy of anything other than my Several request to settle the account. My hardship is COVID19 My husband is XXXX XXXX XXXX XXXX, His jobs are far and in between now due to COVID-19, I m now the steady employed breadwinner, yet my income alone isnt enough to cover our just living expenses, with that being said, that is the reason for my request to settle this account, I will not be calling again. You can accept my offer or as I did include my State Attorneys on the previous email, They have reached out to me and offered me to make formal complaint, with records of my correspondence with Lendingpoint and my records of the phone calls. All I wanted to do Is settle this account so I can have one less stress in my life. Send me the 10 day payoff amount and I will email you My settlement offer ans we can do this via email, since my Phone calls to LendingPoint are futile. XXXX XXXX I received no other response after the above email, so I sent another email on XX/XX/XXXX : Another request for a 10 day payoff??? Can some PLEASE HELP ME.. this has been the most STRESSFUL SIMPLE TRANSACTION and I have had! I dont understand why cant offer A settlement of this account so I can stop this part of many stresses. I have been attempting to get a response I received on phone call from XXXX, I immediately emailed her with a response, and have yet gotten a response??? XXXX XXXX XXXX XXXX This is XXXX response on XX/XX/XXXX : Hello XXXX XXXX, If you are requesting to settle your account, please provide your recent bank statements, as well as the information listed below. I have provided a 10-day total payoff quote, as well. 10 day payoff quote for XX/XX/XXXX - {$14000.00} Today 's payoff : {$14000.00} Reason For Settlement Date of hardship occurrence Source of income Are you still employed Employer Job title - Monthly Income Settlement Offer - Settlement % - XX/XX/XXXX payment due date - Thanks, XXXX LendingPoint XXXX XXXX XXXX response to XXXX on XX/XX/XXXX : XXXX, Its not IF, it is what I have been attempting to do, I dont mean to be rude with you, but my frustration level is through the roof with your company! I am in the process of filing a complaint with my State Attorneys office. As I emailed before and explained my hardship HELLO COVID19! Im will not send another email explains my dire circumstances. I will it be providing any documents that are being requested, At this point Im over you guys. Let me be clear when I type this you will accept or decline my settlement offer, and my State Attorneys General will be ccd on this email as with the others. My offer to be done with Lendingpoint is : {$12000.00}. and I would think you would accept it on my past payment history, until COVID19. XXXX XXXX At this point it appeared futile they were willing to work with me. I received an email recently they sold my account to some debt collection agency out of Texas which I received a formal email from Lending Point telling me that and I subsequently received 3 emails from the Dent collectors and then a phone call from a XXXX which I returned the call and spoken with her, I attempted to let her know the situation but she kept cutting me off to read me her standard script, she didnt want to hear anything I had to say, so I asked her not to contact me and harass me and again she wanted to read her script, mind you I was trying to let her know I had been tested XXXX XXXX XXXX nope she didnt care she wanted to say that script, when I am struggling with COVID, Im XXXX than I have EVER been in my lifetime and Im trying to deal with this too! Way to much stress, however I just ended our call and I immediately emailed XXXX from Lendingpoint that I was going to again report Lendingpoint with my State Attorneys office selling my account when I tried many times to settle my account and now they sick some out of state collection company on me? I did theyll them I was going to sue them, as I did more research on this company and found they have a class action suit against them currently for their business practices Smith vs. Lendingpoint. Please assist me with this. Respectfully. XXXX XXXX XXXX XXXX
06/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 95355
Web
I believe LendingPoint is illegally damaging my credit, and they may be doing it to others as well. They are using predatory practices that have forced me to go into delinquency due to : 1 ) Not processing payments on the exact date scheduled for. 2 ) Not notifying me of rejected payments. 3 ) Having a website that doesn't show any rejected payments. 4 ) Not having a way to make a payment online ( even though their marketing, and emails continually say that you can ) 4 ) having long phone call wait times and limited hours -- where having online payment would help. 5 ) not responding to emails to make payments anymore. 6 ) having their website show a different " late '' amount than they are reporting to credit bureaus. I've tried calling in the past but can not wait on their long hold times ( presumably due to COVID-19 ) to schedule a payment. I was okay with making a payment online if I could, but there's no mechanism on their website to do so ( again even though every email from them says you can ). I have screen-recorded proof just in case they miraculously update their website before this is received. They previously responded to emails when I asked to set up a payment, and have told me I can set up a payment via email. They have not responded to any emails from me since XXXX, and on XXXX I received a ( non-automated ) email saying they refused to fix my credit history even though their own website does not show me to have missed/returned payments and although it now shows as " late '' it does not match up with my credit. Most recently they have my credit reported as 60 days late AS OF XX/XX/XXXX when their own website showed me on that I was 38 days late ( I have screenshots of their website to prove this, and even as of today does not show 60 days late on their website ). I protest that my account should even have negative credit of 30 days late because of the aforementioned practices and failing to inform me of rejected payments, as well as not providing me an easier way to make a payment than to stay on hold with them over the phone, and not responding to emails requesting payments. Also although I did not have successful payments to them for XX/XX/XXXX or XX/XX/XXXX - I can not prove they ever tried to process those payments since my bank account had payments of both ACH and DEBIT amounts go through on those dates that were in excess of the amount they claimed they tried to charge me. I have bank statements to prove this as well. When I tried to re-submit payments anyway, they either did not do it, or submitted payments on the wrong day, and failed to inform me that their wrongly dated payment didn't go through. They have sent plenty of other emails when payments didn't go through, but the last two payments that didn't go through, they failed to inform me until it showed up on my credit report ... also it showed up on my credit report AFTER two NORMAL payments had gone through for a month where a payment was charged to my bank and went through. To provide the best information, I'm listing the best I can a timeline below based on all the emails/statements I have from and to LendingPoint. XX/XX/XXXX - Lendpoint point payment of {$400.00} due XXXX - ( unsure of date - voicemail deleted. can check w/Verizon if needed ) Was left voicemail by LendingPoint that my payment didn't go through. **I don't have any record of an insufficient funds fee, returned item fee for XX/XX/XXXX, or any day in XXXX from my bank ( XXXX ). I have plenty of other charges for insufficient funds but item paid, and also some returned items in XXXX, but NONE from LendingPoint. Both DEBIT and ACH items went through on my account until XX/XX/XXXX in amounts over {$400.00}. I can provide the bank statement that proves this. XX/XX/XXXX - I contacted LendingPoint to re-process my payment that didn't go through. Asked to schedule for XX/XX/XXXX XX/XX/XXXX - Got an email verification of my call, that payment would be made on XX/XX/XXXX XX/XX/XXXX - Received an email saying my payment for {$400.00} was rejected from XX/XX/XXXX ( again nothing in my bank statement reflects this ) XX/XX/XXXX - No payment returned item or insufficient funds item on my statement. ( I didn't check on the actual date, but using bank statement to prove ) XX/XX/XXXX - LendingPoint website does not show any payments are late, returned, or that my account is delinquent. XX/XX/XXXX - Email from LendingPoint about COVID-19 XX/XX/XXXX - Email from LendingPoint about upcoming payment of {$400.00} on XX/XX/XXXX XX/XX/XXXX - Email from LendingPoint payment saying they did not receive my payment for XX/XX/XXXX XX/XX/XXXX - Email from LendingPoint that my account was 35 days past due. **To my surprise since I had set up a payment for XXXX - received no notice that it didn't go through, and nothing on my bank account about a returned/insufficient funds charge. ALSO again their website did not show any rejected charges, nor showed I was late. No emails to that matter about the previous payment supposedly not going through. XX/XX/XXXX - I emailed LendingPoint to set up a payment for {$810.00} to bring my account up to date. Email says will be processed " no later than tomorrow '' **I didn't question the above weirdness and was not informed my credit would be marked as " 30 days late '' -- If I knew they had planned to ding my credit, I would've protested starting then since I **should not have been marked 30 days late, to begin with since my payment was never processed** XXXX - Payment was returned by my bank. This was a surprise to me. I had sufficient funds on XX/XX/XXXX and XX/XX/XXXX and even on XX/XX/XXXX my bank had usually allowed an overdraw of up to {$2000.00}. **I was unaware of this rejection ( no emails from LendingPoint about a rejected payment. Their website didn't show any late or rejected payments. ) when it happened and it was not on the date agreed upon. I have screenshots of LendingPoint 's website that even as of today that don't show the payment didn't go through. I have email receipts that show I never received an email about a rejected payment. I have bank statements to prove that I had ACH and DEBIT in amounts over {$800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX THAT WENT THROUGH, and only a returned item for LendingPoint on XX/XX/XXXX. I'm stating the date here because I only became aware of this rejected payment much later in XXXX when I started investigating. XX/XX/XXXX - Received automated email from LendingPoint about COVID-19 XX/XX/XXXX - Still no emails about a rejected payment for the XX/XX/XXXX payment I scheduled. Their website showed ( again ) that I was up-to-date, and their payment history doesn't show any rejected payments. XX/XX/XXXX - Automated email from LendingPoint that my account was 2 payments behind. Unfortunately, I did not notice this email. XX/XX/XXXX - Automated payment posted for {$400.00} posted to my XXXX Account ( these automated payments I have no control over and were set up during loan origination ) XXXX - Automated email saying my I'm 35 days past due. I think I saw this email but I ignored it and thought it was wrong because I got a subsequent email saying my payment had just gone through the exact same day ( see next item below ) XXXX - Automated email saying my XX/XX/XXXX payment was processed successfully. XX/XX/XXXX - I get a credit alert notification from XXXX and XXXX that LendingPoint has reported a missed payment. XX/XX/XXXX - I emailed LendingPoint demanding they take down the negative credit and that I was willing to make any payments if they communicated to me, since I was unaware I was even 30 days late. ( Have saved email. I was much angrier in my email to them ) XX/XX/XXXX - I emailed LendingPoint AGAIN also complaining about the practices I listed at the beginning of this complaint. I asked for a response. I indicated that they are hurting my credit, for which I was recently looking to get a loan to repay their loan. LendingPoint 's interest rates are ridiculous. XX/XX/XXXX - Automated reply from LendingPoint saying they will within ONE BUSINESS DAY. XX/XX/XXXX - Still no response from LendingPoint. XX/XX/XXXX - Sent another email to LendingPoint asking for a reply, and that my credit is still affected. XX/XX/XXXX - got a new credit alert from XXXX and XXXX that my late status for my LendingPoint account had been updated to 60days late XX/XX/XXXX - I send another email to LendingPoint - pointing out the new credit status and pointed out again that their own website reflected at that point that I was not late! XX/XX/XXXX - Automated payment posted to my XXXX account for {$400.00} XXXX - Automated email saying payment received. XXXX - Still no response. I sent ANOTHER email to Lending Point very angrily that since they had yet to respond about my account. XXXX - Received an email response to my latest email. LendingPoint stated they can not correct my credit history. They said they had not received a payment since XX/XX/XXXX through XXXX, and apologized for the long customer wait on the phone. ( A person this time ) said I could make a payment on their website!! ( which I still couldn't ), and that they could assist me via email if that didn't work. They said a payment of {$810.00} would bring me up to date. XXXX - I responded to email. I again pointed out that there's no way to make a payment online, and that it was a lie. I provided screenshot proof that their website does not let me make a payment AND did not show me as 60days late. Even with my anger, I asked them to schedule a payment of {$810.00} for XX/XX/XXXX XX/XX/XXXX - no payment was posted, no email from Lending Point. XX/XX/XXXX - Still no payment was posted, still no email from Lending Point. XX/XX/XXXX - Sent Lending Point another email saying it would by my final attempt to get them to correct this. XX/XX/XXXX ( Today ) - Still no email or response from LendingPoint. Credit bureau still shows that I am 60-days late where ( as of today ) Lending Point 's website shows I am 54 days late. -- -- - The short of it : Lending Point provides no way to self-service a payment via automated telephony, through their website, nor via email anymore. Yes, I have gotten behind on payments, but how was I supposed to know? I have no way of knowing I'm behind because of nonexistent or inconsistent notifications on missed/rejected payments ; no knowledge what my current account status is, if I'm late, by how much, or for how much, and no way to do anything about it because their website is inaccurate. The only way to know anything or do anything about it, it seems if you luckily catch them at the right time over the phone call and speak to a person over the phone. They themselves wrongly assert that people can make payments through their website ( they can't ) or over email, but without a timely response. They will report to my credit bureau a status of late before even responding to a customer email asking to make a payment.
03/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93309
Web Older American
This complaint is really a complaint for 2 companies. If I have to copy and paste this to submit another complaint I will. For the last 9 months I have been trying to fight some loans that were opened up because of Identity theft. I have been successful in dealing with most of the lenders but there are two that have been giving me problems that I do not know how to resolve. Without attempting to garner any extra sympathy from you there is something I believe you need to know about me. I am XXXX years old. I am also a widow. I have lived a good long life. That doesn't mean however that I don't care about my name or my reputation. On top of my personal credibility, I also care about my financial situation. I am a single woman who is about to retire as the skin and bones in my body will no longer hold up for me. The last thing I want to do is go into retirement with over {$20000.00} of fraudulent loan debt in my name. For the last few years my health has been degrading. I have tried my hardest to take care of myself as well as my daughter. I was able to do so for a very long time but the last few years I finally failed. For your information, my daughter was not the best of people and it shames me to have to tell others about it especially since she has already XXXX XXXX XXXX XXXX XXXX XXXX. She was a XXXX. These last few years I have been in and out of hospitals and sometimes my stay was for several weeks. During this time, my daughter was telling me that she knew that she has been a burden and was going to attempt to check herself in to helpful programs like XXXX, or XXXX among others. On one of my hospital visits for multiple weeks, my daughter had obtained money to help her in her quest for XXXX ( or at least that is what she told me ). I found out about this because when I went home from the hospital I saw several thousands of dollars in my bank account that I didn't know where it came from. She placed it there because she herself didn't have a bank account. Over the next few months my daughter would ask me for some of the money so she could pay for her treatments or again I was told. Obviously I gave it to her. This went on for a few months. After a few months, I started seeing automatic withdrawals from my bank account. I didn't know where they were coming from so I called every single entity that was pulling the money from my account. Then and only then did I discover what my daughter had done. According to the lenders, I had applied for multiple personal loans. I was so ashamed and felt so betrayed. My daughter always had problems but she had never stooped to this level. I didn't know what to do. On one hand, I didn't want to throw my daughter to the wolves. On the other hand, this was a burden even I could not take on behalf of my daughter. I did what I could and I tried paying as many loans as I could but it just became too overwhelming. {$1300.00} a month in loans at my age was more than I could afford. I was ready to declare bankruptcy but my daughter claimed she had consolidated the loans for me. Just when I thought things were finally getting better for me, the unthinkable happened. My daughter, XXXX bless her soul, XXXX XXXX. Once she XXXX XXXX I was distraught. She XXXX XXXX on XX/XX/XXXX. I was now all alone as both my husband and XXXX child left me. Not only that, but I was all alone with a debt that I did not ask or sign for. I hired a company to help me figure out a way to be liberated from this debt. They were called XXXX XXXX. It was a sham. All they did was send letters over and over but no results were obtained. I decided to take the next step and research my options and spoke with many people. I ultimately came across the fact that I was the victim of Identity theft. While I knew my daughter defrauded the loan companies, I guess my lifetime of having to pay for her mistakes did not allow me to see that she really victimized me. It only made perfect sense since some of these loans were opened in my name while I was hospitalized and unknowing. I decided to fill out a police report and a fraud affidavit. I called every single one of these lenders and informed them of the facts and submitted my paperwork to them. During this fraud investigation I received a call from these lenders asking me for information. I was very honest to all of them and I told them of everything that transpired. I didn't lie or hide the information about how I hired people to help me in clearing my name. I informed them that my daughter was an XXXX and was XXXX in the last week of her life and XXXX the same day she was released. She XXXX to a XXXX XXXX. Once they asked me to submit the report and fraud affidavit, I did so and never heard back from them. Eventually the accounts were sold to collection agencies. I found out because the collectors starting sending me notices. I was confused and upset because I was under the impression that this report and affidavit was what the lenders needed to clear my name since I never opened these loans myself. In fact, it was my understanding these loans were made online. Once the collectors received the accounts I explained to them what was happening. All the collectors told me they recognized these accounts as fraudulent. They also told me they would cease efforts to collect these debts and the accounts would be submitted for a buy back from the lenders. I can no longer stand by and just take their word for it however. I was lied to by my daughter, lied to by XXXX XXXX, lied to or at the very least misled by XXXX XXXX and XXXX XXXX. I could no longer just believe what anyone told me. I then decided to hire XXXX XXXX at XXXX XXXX XXXX. His company had great reviews locally so I decided to at least speak to him and see if he could help me. XXXX told me many things. He informed me that it did sound like I was the victim of identity theft. He told me that I had taken the proper steps to notify creditors of fraud by submitting a police report and a notarized affidavit. He informed me that XXXX XXXX and XXXX XXXX did not do a proper investigation if they never notified me after receiving my documents what the status of the investigation was. He also stated that although he is not an attorney, he believed that these lenders may have taken unfair and possibly illegal means to collect a fraudulent debt by selling it to a collector knowing full well it was fraud. I could tell by his demeanor that he knew what he was talking about so I decided to trust him in assisting me with getting this resolved. He did so by communicating with the 2 collection agencies who had unknowingly bought this fraudulent debt from XXXX XXXX and XXXX XXXX. XXXX XXXX wouldn't speak with XXXX because they had already sold the debt to XXXX XXXX. XXXX then called XXXX XXXX. XXXX XXXX stated they had already assigned the debt as a buyback and had done so in XXXX. They could clearly tell it was fraud and would not collect on it. It was just a matter of time before XXXX XXXX bought it back. This was back in XXXX. We are now in XXXX and multiple phone calls later and this account is stilled assigned to XXXX XXXX and is still on the list of buy-back debts. Even the collector XXXX was wondering why it was taken so long. He claimed that they hadn't heard back from XXXX XXXX even though they had sent out requests weeks ago. He understood the situation but was stuck in Limbo just like we were. He also said that XXXX XXXX had not given then anymore accounts in 3 months. This is just an assumption by me but it seems like XXXX XXXX was glad to cut their losses in selling them fraudulent debt and ran tail. I am now currently 8 months into this investigation. It is unfortunate that XXXX XXXX is doing what they are doing. I didn't sign for this loan, I didn't open this loan, and this debt does not belong to me. I have done what has been asked of me by submitting fraud reports and now I am siting idle while XXXX XXXX twiddles their thumbs for whatever reason. Meanwhile I have the fraudulent {$20000.00} debt on my credit report which is causing me to lose sleep and is delaying my retirement as I am now scared they will attempt to come after me. I can't afford to not work if they start coming after me for this fraudulent debt. As I wrote in my complaint for XXXX XXXX, if XXXX XXXX does not stop credit reporting that I opened this loan then I will also be forced to come after XXXX XXXX. I won't stand by while this stall tactic of theirs of not buying back a fraudulent debt yet not wanting to speak to me or a representative while this debt is in Limbo any more.
03/07/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48188
Web
I am writing in response to the recent letter I received from LendingPoint LLC regarding my complaint [ # XXXX ] regarding my personal loan repayment. In their response, LendingPoint claims that my payments have been accurately reported and that my account is currently active and in good standing. However, I wish to dispute this claim and provide additional information to support my complaint. Firstly, LendingPoint has failed to provide validation of debt upon my request, which is a clear violation of the FDCPA 809 ( b ). I have requested validation of debt twice via certified mail, and I have yet to receive a response from LendingPoint. Furthermore, LendingPoint has also violated the FCRA 1681s-2 by failing to provide accurate and complete information to credit reporting agencies. I have reviewed my credit report and have noticed several discrepancies that negatively impact my credit score, all of which were caused by LendingPoint 's inaccurate reporting. In addition to these violations, LendingPoint has also engaged in unfair, deceptive, or abusive acts or practices, which is a violation of the CFPA 1036 ( a ) ( 1 ) ( B ). They have used false or misleading representations in connection with the collection of a debt, and they have failed to adequately protect my personal information, which is a violation of the Identity Theft and Assumption Deterrence Act of 1998 ( 18 U.S. Code 1028 ). Finally, I would like to emphasize that LendingPoint has engaged in harassment and abuse by leaving over 25 voicemails on my phone regarding the date, time, and reason for their calls, all of which were unnecessary and unwarranted. This is a clear violation of the USC 1692d. USC 1692c - Communication in connection with debt collection This section of the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from communicating with consumers in certain ways, including at unusual or inconvenient times or places, or at times known to be inconvenient to the consumer. If you have documented evidence of debt collectors repeatedly calling you at inconvenient times or leaving harassing voicemails, this may be a violation of this section of the FDCPA. USC 1692d - Harassment or abuse This section of the FDCPA prohibits debt collectors from engaging in conduct that is intended to harass, oppress, or abuse the consumer. If you have received numerous voicemails from debt collectors, and the messages are threatening, abusive, or harassing in any way, this may be a violation of this section of the FDCPA. USC 1692e - False or misleading representations This section of the FDCPA prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of a debt. If the voicemails you have received contain false or misleading information, this may be a violation of this section of the FDCPA. FCRA 1681s-2 - Duties of furnishers of information to consumer reporting agencies This section of the Fair Credit Reporting Act ( FCRA ) requires that companies that furnish information to consumer reporting agencies ( such as credit bureaus ) ensure that the information they provide is accurate and complete. If the debt collectors are reporting inaccurate information about your debt or payment history to the credit bureaus, this may be a violation of this section of the FCRA. Privacy Act of 1974 ( 5 U.S.C. 522a ) This federal law sets out rules for how government agencies must handle and protect personal information. While this law may not apply directly to debt collectors, it is possible that it could be used to support a claim that the debt collectors ' handling of your personal information is not in compliance with best practices. Gramm-Leach-Bliley Act ( 15 USC 1681, 15 USC 6801-6809 ) This federal law requires financial institutions to take steps to protect the privacy and security of consumers ' personal financial information. While this law is primarily aimed at banks and other financial institutions, it may also apply to debt collectors that handle personal financial information. Code of Federal Regulations ( CFR 313.1-313.7, 16 CFR 433.2-433.3 ) These federal regulations set out rules for how debt collectors must handle and protect personal information. They require debt collectors to take reasonable steps to safeguard the confidentiality and security of consumers ' personal information. Identity Theft and Assumption Deterrence Act of 1998 ( 18 U.S. Code 1028 ) This federal law makes it a crime to use another person 's personal information without their permission. While this law may not apply directly to debt collectors, it is possible that it could be used to support a claim that the debt collectors ' handling of your personal information puts you at risk for identity theft. In light of these violations and breaches of federal laws, I request that the CFPB investigate this matter thoroughly and take appropriate action against LendingPoint to ensure that their practices are brought into compliance with federal regulations. As a reminder, in my original complaint, I outlined numerous violations committed by LendingPoint and XXXX XXXX including violations of the Fair Credit Reporting Act ( FCRA ) 1681s-2, the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), 807 ( 8 ), 1692e, 1692f, 1692d, 1692c, 1692b, and 1692a, as well as CFPA 1036 ( a ) ( 1 ) ( B ). In addition to these violations, I would like to bring your attention to another federal law that has been violated in this case, namely the Gramm-Leach-Bliley Act ( GLBA ) 6802. The GLBA requires financial institutions to ensure the security and confidentiality of their customers ' nonpublic personal information. However, LendingPoint and XXXX XXXX have failed to adequately protect my personal information, which is a violation of the GLBA 6802. Specifically, I have received over 25 voicemails from LendingPoint regarding the date, time, and reason for their calls, which also provide their extension. This information is considered nonpublic personal information under the GLBA, and its disclosure without my consent is a violation of the Act. Furthermore, I have sent two certified letters to your offices, one of which was for validation of the debt as allowed under the FDCPA 809 ( b ), but to date, I have not received a response. This failure to respond is a violation of the FDCPA 807 ( 8 ), which prohibits the use of false or misleading representations in connection with the collection of a debt. In conclusion, I would like to reiterate my request for LendingPoint and XXXX XXXX to provide accurate and complete information to the credit reporting agencies, as required under FCRA 1681s-2, and to cease all harassing and abusive communications with me, as prohibited under FDCPA 1692d and 1692c. I also demand that my nonpublic personal information be protected in accordance with GLBA 6802.
03/18/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 23060
Web
On XX/XX/XXXX, I was approve for a personal Loan with Lending Point and my first monthly payment of {$430.00} for a term of 24 months was due on XX/XX/XXXX. Lending point advised me that my payments had to be on auto-pay and even-tho I was not comfortable with the auto-pay method, I accepted the terms as I was in need of the money. I was able to make my payments on time until I was hit with a financial hardship due to Covid-19. On XX/XX/XXXX, I emailed lending point requesting a removal from automatic payments and it was granted. On XX/XX/XXXX, I emailed Lending Point with Subject : XXXX relief as my phone was disconnected for the month of XX/XX/XXXX and I wanted to talk to them in regards to my options for financial hardship due to Covid-19. XXXX XXXX a collections specialist emailed me back and we set up a phone call for the same day of XXXX XXXX, XXXX at XXXX EST. When I got on the phone call with XXXX I had advised that I was going thru financial hardship due to Covid-19, I was forced to stay at home with my XXXX children as they are all under the age of XXXX and I was also recovering from XXXX as I had my last XXXX XXXX reconstruction XXXX and my husband had been grounded for work and was working from home and his hours were reduce. XXXX advised that the they do not offer any Covid-19 relief program but I could apply for a modification loan and reduce my monthly payments but to be able to qualify I needed to make my account current by making a one time full payment of {$430.00}. I advised that I did not have the full amount she asked me if my husband could help, I responded that he was already taking on all the bills. I told XXXX that all I need it was a month or so to pay my loan off. XXXX told me not to worry and to call her back when I was ready to make the payments. I understand the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ; P.L. 116-136 ) -Auto Loans, All Credit Cards, and Other Types of Consumer Credit does not offer the consumer forbearance right and it is up to lender whether to offer forbearance. I also understand that consumers can harm their credit scores when we miss loan payments, but I also know that we are living unprecedented times due to Covid-19 and if this was a different situation I would not have been in this predicament. Today XX/XX/XXXX, I contacted LendingPoint and I paid my loan off, the reason I am writing this complaint is because I asked in good faith to lending point that due to my hardship to Covid-19 if they would delete the negative item from my credit report since I paid the loan off. XXXX responded that they have a right to report accuracy to the reporting agencies. I told him I understood but when I called back in XX/XX/XXXX I was not given an option when I ask for help as I was going thru financial hardship as a result of Covid-19. XXXX got aggravated because he said that they offered help, I told him that the only thing they offered me was a modification on the loan and to qualify I need it to become current ( meaning pay my outstanding balance ) which I responded I could not pay the full amount. XXXX responded that because I did not have any income that they could not help me. I responded : isnt the purpose of asking for help is because I was not able to make the payment yet you wanted me to make a full payment so I can become current so I could qualify for a modification. A modification can make the payment lower but at the end you end up paying more ( this convo was recorded ), I asked him you guys did not give me any options. He said well you had no income, there were not options for you. I asked : what were your options at the time I spoke to XXXX back in XX/XX/XXXX? He responded : I see where this is going? you want us to get your negative items deleted. I said : no, I want you to explained to me what were my options then so I am able to understand if this whole situation could have been avoided? He said : you said you had no income. I said : yes, but I am still married, my husband could have helped me, I also have a father, he could have helped me as well but did you ( meaning Lending point ) even asked me about that? Did you even give me the option? XXXX responded : you stated that your husband was already taking care of bills I said : what were your options for people going thru hardship due to Covid-19? XXXX stated : in current accounts, we offered 90 % reduce payments and for accounts behind we offered for the consumer to make a reduce payment to be able to apply for a modification loan to reduce their monthly payment. I responded : you guys never told me that. You guys told me that I need it to pay a full monthly payment of {$430.00} to become current to qualify for a loan modification loan to lower my monthly payments, if I had the option of a reduce payment to qualify that changes everything. I could have asked my husband or my father as it was less money than the original amount. All this could have been avoided and I did not have to have late payments on my credit report. I told him while they did not provided me with all of my options to be able to get help, XXXX XXXX offer a month forbearance, XXXX card offered two months forbearance, XXXX offered me 3 months forbearance for a consumer ( me ) with no income coming. Lending point made a decision to not tell me that I could at least make a modification with a reduce payment to make my account current and be able to qualify for a modification because I said I was not getting any income ( which it makes zero sense, as the purpose of this CARE ACT is to be able to help consumers like me ).
08/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 33579
Web
Good Evening, I am reaching out to you all because XXXX XXXX has it setup on their website offers can be made, along with recommendations for you then get you over to the 3rd parties. When they tell you let me check that does not mean to one a hard copy inquiry on your credit through the credit bureaus. You complete the steps that they ask of you I did this on Thursday XX/XX/2017. Then before you know it what of the 3rd party lending company or maybe several are stating you qualify. This Process started on the XXXX ended today on the XXXX. LendingPoint ( https : //www.lendingpoint.com/ ) through XXXX XXXX after putting your information in says : Congratulations youve been approved. Then it says we will need additional information in order for us to get your loan processed, something along the lines we need to validate who you are. o Proof of Income o A Copy of a Voided Check o Your Most Recent Bank Statements all pages o Copy of your Drivers License ( colored copy ) You also input your Driver License on the website I called when the website would not let me answer the questions on it Spoke with a XXXX XXXX who sent me an email but when I spoke with her she stated Congratulations on being APPROVED SAME as the website I asked why so many steps if you are approved, she stated has to go through the underwriters to determine what kind of loan you are approved for Now be in the industry I should have known better but you do what you need to do when they keep saying you are approved Now here come XXXX the Sale Rep who makes sure all your documents are order. He sent me the link asking me to upload my statements on there and I am like what is all of this if I am approved He says these are the steps we have to take before the contract can go out I asked well how long because I was under the impression funds can be deposit within 48-72 hours per XXXX and Him Okay so I do all of this still feeling something is not right about this but when your credit score is not the greatest you pray that it turns out just fine Now My credit score is not the credit not because I am not paying my bills because every open car note credit cards are being paid I decided to walk away from a house in XXXX Indiana after 8 years of trying to sustain it from Florida Now XXXX calls back tells me congratulation right but I want to make sure you get the full benefits of the loan So, he says to me I qualify for {$15000.00} He is telling me this while I am in my doctors office I call him back to further discuss he says he wants to make sure I take full advantage of this loan and since I qualify for {$15000.00} is there anything else I could think of So, I take the loan up to {$6000.00} right thinking okay and I ask how much would that make my payments he stated {$260.00} and some change I stated great that is in my budget Then he asked me to pick a date between XXXX and XXXX keep in mind all of this makes you think XXXX is wrapping up all the final stuff setting up things in the system so I could be all set. I stated okay lets go with the XXXX and I asked My first payment want be until XXXX XXXX right, He says right. So, he says okay we just need to run the hard inquiry and we are good to go He comes back to the phone after running it and stated I DO Apologize but you were Declined. I was confused first and I said why would you all tell people you all are approved but you really not, is it because if you say pre-approve which I believe is the terminology they should be using they will not get people to consider taking a long out with them with that high interest of 29.99 %. When they told me, I was approved on Thursday you start planning things out. I was not going to keep this loan going with the I needed it to payoff myself off sooner and take a loan back out from my 401K so my child can get off the floor. He has outgrown everything this house his room everything and I thought it would help with that and by me getting this the funds from 401k would have paid off medical bills. Is this a violation of any of the Consumers Acts, Credit Acts and CFPB? What else can I do to make them feel the pain that I felt I talked to them so many times and not one time did they say you are pre-approved, or pre-qualified. How many more customers are being impacted and if I was approved on Thursday did he say declined because I would not do it for the {$15000.00}? After sitting for a minute I called back and tried to speak with a manager a rep told me manager was gone for the day, I said there is no way manager is gone, I told her the situation she told me I was denied what else I wanted them to do which took me to an entire level. After saying to her get a managXXXX or you will have bigger problems she placed me on hold for round about 18-20 minutes before I HUNG up even more frustrated. Thank You
06/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • MD
  • 20876
Web
I needed some money, and I went on XXXX XXXX to apply for a loan. XXXX XXXX brings up a list of lenders who can provide you with a loan and what they offer. So, one of the lenders who was interested to provide me with a loan called me up and offer to give me the amount I needed which was {$10.00}. After I completed my application with them, they requested that I provide them with my credit card number, when I asked why? The loan officer told me that, is one of their policy to have a client 's credit card on file just in case the client miss a payment instead of sending their name to the Credit Bureau, they will withdraw the payment from the credit card. It sounds reasonable to me, so I gave them my credit card number. The next thing I know, they deposited these amounts of XXXX XXXX CARD XX/XX/XXXX {$1400.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$2700.00} XXXX XXXX, XX/XX/XXXX - {$480.00} XXXX XXXX - {$2000.00} XXXX XX/XX/XXXX - {$1000.00} XXXX XX/XX/XXXX - {$1000.00} XXXX XXXX XX/XX/XXXX - {$500.00} XXXX XXXX XX/XX/XXXX - {$1000.00} XXXX CREDIT CARD XX/XX/XXXX {$1300.00} XXXX XX/XX/XXXX - {$500.00} XXXX XX/XX/XXXX - {$1000.00} XXXX XXXX. XX/XX/XXXX - {$1000.00} XXXX BANK XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$1000.00} XXXX XXXX. XX/XX/XXXX {$1000.00} XXXX XXXX CHECKING XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$1000.00} XXXX XXXX did refund, me the amount of {$2200.00} THE LOAN OFFICE BY XXXX XXXX, explained to me that, the deposit was for them to pay the credit bureau to bring my credit score up, and that's one of the ways they help people out there. After which, they said, I will have to buy gift cards with the money and send it to them because, that's how they pay the credit bureau. So, they put me to work for them, I was buying the cards none stop. I got tired and asked them to show where in the application, I signed in addition to the loan I was going to be their employee? XXXX replied that, my credit score is too low and if they don't bring it up, XXXX will not approve my loan. And he added that if I stop buying of the gift-cards, all the checks will return back to them. I refused. The next day, the credit card companies started sending me letters of return checks. When I asked them, they blamed me for not cooperating with them. I asked them where is the loan, they have been promising to deposit in my checking account? The loan XXXX told me they were still working on it. Each time, they will make me sit on the phone for hours waiting for the loan to be deposited into my account, but to no avail. I finally realized ; this was all scammer pretending to be loan officers then it was too late. They had already scammed from me the amount of {$13000.00}. I tried to explain my situation to the credit companies, none of them were willing to listen, but they requested that I pay all the money because I was the one who did the purchasing, and this was not recognized as fraudulent. I CANT BELIEVE THEY CALL IT A TRICK, NOT FRAUDULENT. These people take advantage of the needy, because if I did not need a loan, I don't think, I would have come across these scammers. My problem is, I need CONSUMER FINANCE TO HELP ME talk to these Credit Card Companies who are urging that I must pay all of this amount of money. I can not afford to pay this urge amount of money, if I had money, I won't have gone for a loan in the first place, and I did not invite these scammers to come and steal money from me. These credit cards companies fail to understand that, we are all humans and we are not immune to making mistakes in life. I can not kill myself, nor go bankrupted because I have to come up with money to pay the banks back unfortunately. LENDING POINT XXXX Email - XXXX Tell : ( XXXX ) XXXX Address : XXXX XXXX XXXX # XXXX XXXX, GA XXXX Unfortunately, am using my work computer and do not have any evidence to summit. Thanks for your understanding. Can you help me please?
06/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 379XX
Web
In XXXX, I received a personal loan from LendingPoint. I could not sustain the monthly payment amount, and in XX/XX/XXXX, LendingPoint voided the original agreement and I entered into a new agreement that lowered the monthly payment. I have consistently demonstrated a good payment history with the company. Then in XXXX, I noticed that they had been reporting that I was a month late in my payments, which was inaccurate. It was identified that a computer glitch, in their system, in regards to the non-printing of a bill that caused the issue. It was never disclosed to me the full detail, but it took nearly six months to permanently fix. At that time, I was strictly monitoring my report each month, and I would call them in regards to the false reporting ; I would dispute it with the credit agency ( XXXX ) ; and the negative reporting would be reversed. It finally got resolved in the latter part of XXXX. Fast forward to XX/XX/XXXX. I was reviewing my credit report, and I noticed more negative reporting from LendingPoint. It stated I was late on a payment, and that I was also $ XXXX overdue in payments. This was incorrect and immediately disputed with XXXX. I also contacted my bank to verify whether or not the payment had not been withdrawn. It turns out, LendingPoint did not ACH withdraw my payment. I called them to ask why, told them to reverse the negative reporting as I had no idea ; no one called me ; no one sent me an email ; and I didnt receive any letter in the mail indicating that they had not received a payment. I even offered to reconcile. They opened up a ticket to have my account reviewed. During this time, I even offered to reconcile any missed payment. LendingPoint refused to take any money from me. In the meantime, I have this FALSE negative reporting on my account while they waffle around and do nothing in regards to this situation. Last week, I finally spoke to someone who looked at my account and right away she noticed some anomalies. The maturation date on my loan was XX/XX/XXXX and was based on the original loan, not the new agreement I entered into in XXXX. They never updated their system. I speculate that is also when the system stopped generating a bill, but because I still owed a balance, it continued to pull from my account. In XX/XX/XXXX, I reached the final payment. LendingPoints system, at that point, STOPPED the ACH withdrawal. Why? Because I no longer had a balance. The monthly payment was $ XXXX. From XX/XX/XXXX to XX/XX/XXXX, there were XXXX payments made. That is equal to {$5000.00}. That amount is greater than the balance they are trying to say Im overdue and an indication that I actually OVERPAID them. At this point, I dont even care about recouping the extra payment. What I do care about, however, is the ongoing negative impact this is having on my credit. My credit card interest rates are going up, my credit card limits have decreased due to this negative reporting as well, which is also increasing my income to debt ratio, which in turn negatively impacts my credit. There is absolutely no recourse for me. XXXX submits disputes and then automatically sides with a LendingPoint. If LendingPoint says its true, it must be true. No. Its not true, and Im about to seek legal action. It is extremely unfair to the consumer, me, that I have to continue to be impacted by a negligent company and frankly a negative credit system. Why is it on the onus of the consumer to always have to prove they are telling the truth?! I am baffled how credit means everything in this country and yet companies are allowed to falsify and have no penalty. Its the consumer that bears the weight of it, and its unfair, unethical, and flat out wrong. I want this to be resolved and I dont want to wait months while my credit continues to be negatively impacted!
11/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 94107
Web
I received a loan from XXXX XXXX to pay towards my services at XXXX. At the backend the loan was being serviced by Lending Point. I took the loan in XX/XX/XXXX for {$2600.00} and the information that I received was that if I make {$140.00} monthly payments for 18 months as part of same as cash promotion I will be good. It turns out that I had to pay off some more amount after 18 months or else I will be penalized. I will be charged a 25 % interest for the entire duration of the loan. Below are a few key callouts 1 ) I signed the loan agreement online in XX/XX/XXXX but never received a copy of loan agreement 2 ) XXXX XXXX did not explain me correctly the T & Cs of the promotion when I signed loan agreement 3 ) The email sent by the XXXX XXXX did not mention the promotion end date by which I had to make the full loan payment in order to not get charged at the 25 % interest rate or pay {$140.00} for 24 months 4 ) When I called the contact number in the email to understand the high rate of interest and 24 months period they said I don't have to worry about it and it will go away in 18 months 5 ) Lending point never sent me a copy of the loan agreement that I signed until XX/XX/XXXX when I called them to check why they are still charging me for the loan. I agree that I read the T & C 's but there was no way for me to refer back to them other than the email communication which did not mention the loan repayment date. It is unrealistic to expect that I will remember the information ( the date XX/XX/XXXX ) after 18 months. It was the creditors responsibility to send that document to me or atleast when I called the number ( in the email communication sent to me ) they should have told me that I should request for my loan agreement since the email is not the loan agreement and does not have all the information. The email just states I may have to make more payment to complete my loan but doesn't tell me any date or the amount that I need to pay. It is super vague. 6 ) Given I had no other reference point I was using the email communication sent to me on XX/XX/XXXX and information in point # 2 and # 3 above to payoff my loan and there was no way for me to know that I need to finish the payment by XX/XX/XXXX I believe LendingPoint should take responsibility for the lapse of communication here and I should not be penalized by having to pay an additional {$860.00}. I also wanted to highlight that I am very disappointed in terms of customer experience here since 1 ) The T & Cs were not explained clearly, no copy to refer back to or check, by when I need to pay off the loan or I will penalized 2 ) I didn't get any reminder that I need to finish my loan by a certain date 3 ) The biggest thing here is that why did they set the minimum monthly loan amount to {$140.00} instead of {$140.00} so that I could finish it on time or state clearly that I need to pay off {$100.00} by XX/XX/XXXX in the email communication you sent me otherwise I will be penalized heavily. I feel cheated as if they are deliberately trying to put me in a situation where I will forget the promotion end date after 18 months and they will get to make money off me. It is outrageous that they won't send any reminders or payment statements stating the end date, they won't send me the loan agreement and expect me to remember a random date that I agreed to a year and a half ago. They are just trying to mint money off unsuspecting customers. Also why are they charging such a high rate of interest when my credit report is way better. I took a car loan and I got it at 1-2 % interest rate. This feels like daylight roberry.
12/03/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30132
Web
Lending Point is continuing to violate my consumer rights. The account information they are furnishing to XXXX and XXXX is deceptive. Lending point received my letter of credit in which they accepted and used to fund this credit arrangement between them and I. upon the termination of the consumer credit account Lending Point should have refunded the principal balance of the account to me within 7 days of the closing of the account. 12 CFR 1026.11 - Treatment of credit balances ; account termination. CFR State Regulations prev | next 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
02/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • PA
  • 175XX
Web
XXXX Billing error resolution. ( a ) Definition of billing error. For purposes of this section, the term billing error means : ( XXXX ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. I initiated a consumer credit transaction with Lending Point in XXXX of 2021. I tried to settle the issue in good faith by sending a notice of demand to Lending Point to resolve the billing error and I have not heard from the company. Lending point calls me at least three times a day harassing me while I am at work from a debt collector from lending point who proceeded to spew profanity, abusive, threating and oppressive language at me. He proceeded to ask me who I was talking to while on the phone with him, he refused to identify his name. i directed my wife who is my attorney in fact ( An attorney-in-fact is a person who is authorized to act on behalf of another person ) Investopedia definition to explain to him that a correspondence was sent to the CEO detailing the controversy. he then proceeded to threaten my wife and refused to listen to anything being said. the law clearly outlines violation of the FDCPA which was explained to him and is attached below for your information. These were all the threats made during one phone call last evening at about XXXX, he ended the call saying you are going to have consequences for not paying this debt. 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : XXXX ) The use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person. ( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( XXXX ) [ XXXX ] of this title. ( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. There is no money only negotiable instruments and consumer credits. 15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. the credit card that was used is my social security I have attached a letter that was sent to the company 's CEO along with the certified mail receipt. I have a notarized copy at my notary and in my files.
10/22/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • XXXXX
Web
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that since your offices have reported inaccurate and invalidated information to several credit bureaus including XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, this action constitutes as identity theft fraud under both federal and state laws. Due to this fact, this is my official notice of intent to sue for negative marks that have been found and are currently reporting on my consumer reports by your company or the company you represent. I am bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be closed and deleted with your company or the company which you represent and completely removed from my consumer files and a copy of such deletion request shall be sent to me immediately. In addition, I am formally requesting {$5000.00} for the violations. It would be advisable that you and your client assure that your records are in order as I am now taking legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent since legal action is necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
08/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 33707
Web
I joined XXXX 's case study for a XXXX XXXX XXXX XXXX. I received a {$10000.00} loan from Lending Point in order to receive this system, but I was told that if I review the water system and adhere to a commitment then I would be reimbursed {$400.00} a month to pay off the loan. I was told that if I did not like the water system and contacted them within 30 days, then I would receive a prepaid return label and my loan would be forgiven. I made my first payment of {$390.00} to LendingPoint, and I received a check in the mail from XXXX for {$350.00} instead of the promised {$400.00}. There is a hydrogen inhalation unit on the system, and this unit does not work. Since there is an issue with the system and they lied about paying me properly, I tried contacting the company to return it since XX/XX/XXXX. I have called them multiple times. No one answers the phone and they won't return my calls after leaving a voicemail. I have emailed multiple people at the XXXX company trying to return the machine and no one will answer my emails. Here are the emails I sent below : XXXX XXXX XXXX XXXX XXXX ( 22 minutes ago ) to XXXX Hello , I have been trying to reach someone at this company since XX/XX/XXXX in order to return the XXXX XXXX and get a full refund / loan taken care of. This would have been within my 30 day window. I did not receive the full {$400.00} that I was promised in my first check. I got {$350.00} instead. Then the inhalation unit on the system does not work. I do not want this system and have copy and pasted the past 2 emails I have sent to XXXX in order to return the system and get rid of the loan. XXXX XXXX XXXX Sat, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) to care Hello, I am apart of the Case Study and I am not satisfied with the machine or how the payment system works. I would like to return the machine as soon as possible. I would also like a prepaid shipping label. XXXX who set up my system told me that it would be free of charge to return the product. Regards, XXXX XXXX XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX ( 5 days ago ) to submissions Hello, I have had the XXXX XXXX for almost a month now and have been trying to return it for almost 2 weeks. I do not want to participate in the case study any longer because of payment issues and because the inhalation on my system does not work. I want my loan to be forgiven and a paid shipping label to return the machine as soon as possible. Regards, XXXX XXXX XXXX I have tried to contact the LendingPoint loan company and they told me to keep making payments to the loan, but I am refusing to complete any more requirements for the XXXX company because they are completely ignoring me and I do not want this water system any longer. I honestly do not have the money to pay LendingPoint anything further. Since I do not want to be in the XXXX XXXX XXXX program and I can not get ahold of them, they will not be sending me anymore money to pay off the loan. XXXX never even paid me the full amount to begin with. I want to have this loan forgiven and I want LendingPoint to file a lawsuit against XXXX. This is happening to hundreds of other people in the same situation as me. Name : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : BLDG # XXXX City : XXXX XXXX : FL Zip : XXXX Phone : XXXX Website : XXXX : XXXX Representative : XXXX XXXX CEO
11/09/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • FL
  • 335XX
Web
The above named company also works as under the name of XXXX XXXX XXXX. And XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX On XX/XX/XXXX, I was looking for a personal loan so that I could help my mom and I find a place to live. On XX/XX/ I received a call from the above listed phone number saying I had been approved for a personal loan in amount of {$5000.00}. They sent me the loan documents to sign and I did. After signing the loan documents, I was told that I had to purchase insurance to cover the loan in case I defaulted on the loan. They told me that they where sending me a barcode and I had to go to XXXX and pay for the insurance on the loan. I told them no!!! At approximately XXXX XXXX XXXX XXXX XXXX XXXX I got a call from my bank ( XXXX XXXX ) saying that if I didn't cooperate with Lending Points they would shut down my bank account!!! I was scared to death and didn't know what to do... So thinking that the bank told me that I had to cooperate, I did. So I went to XXXX and they sent me barcodes, and told me that I had to send them payment for the loan insurance money for the insurance on the loan. They also told me that I had to purchase gift cards and had me send pictures of the gift cards that I purchased... They kept saying that as soon as they received my payment I would be founded for my loan. This continued over the course of XXXX day 's ( XXXX XXXX, and XXXX ) On XXXX I better examined my bank account closer, I discovered that they had hacked into my bank account and reversed previous bills that I had paid and other purchases, making it look like they where sending me money, when in fact they weren't!!!!! I ended up sending them {$4800.00} before I put a stop to it ... They called me on XXXX XXXX XXXX XXXX XXXX XXXX saying that I needed to go to XXXX and send them another {$500.00}, I said NO!!!! I told them that they are scammers and I had been scammed for days, and I had enough!!! They then sent me a text on XX/XX/ saying " Hello this message is for XXXX XXXX we have deposited. The verification federal money in your bank account. And if you will not send this money back to our company at that point of time. We have to take legal actions in your name. FTC will put the charge back on your account. And after that you will have to pay this money from your pocket to bank. So if you don't want yourself in trouble then we we will request you to answer our call and send this verification money. Call us back on XXXX '' I didn't call them back anymore... I am a XXXX XXXX XXXX woman and my mother is XXXX XXXX XXXX. I was simply looking for a way to help my mom and myself find a home. So at this point my mom and I are homeless, the scammer was nice to me at first until I started to saying no!!! Since XXXX my bank account has been shut down, because of fraudulent activity on my account. I had {$160.00} left in my account, but because my account was shut down I can't even access the little bit of money that I had left. I need to know how I can go about getting my money back to me and help shut down scammers like this. I am humiliated, and embarrassed, I have no money or a place to live. This is a serious issue and they need to be shut down before they do this to more people like my mom and I.
10/17/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • OK
  • 74464
Web
I have automatic payments set-up with LendingPoint for a personal installment loan. The payments are set to be deducted from my checking account on the XXXX of each month. Since XX/XX/XXXX, the payments have been coming out as arranged ; however, when reviewing my account statements in XXXX I discovered that the XX/XX/XXXX payment had not been deducted from my account. When reviewing my loan account on the LendingPoint website, it showed that the payment had been received. I waited a few days, then checked my bank account again and noticed that the XXXX payment still had not been deducted. It wasn't until XX/XX/XXXX that I received an email from the company stating that my payment had " not yet processed '', but that the XXXX payment would be deducted from my account on Monday, XX/XX/XXXX. The email also stated that the XXXX payment would still be deducted from my account as well on XXXX XXXX XXXX ( reference email included ). On Tuesday, XX/XX/XXXX ; I checked my bank account to discover that the XXXX payment had still not been deducted from my account. The payment continued to remain in my bank account and no contact was made from LendingPoint regarding the discrepancy. On Thursday, XXXX XXXX XXXX I attempted to log on to the LendingPoint website to access my account and at that point, there was an error message stating the the webpage had been taken offline, which made me even more confused and irritated. I then sent an email to the Customer Service department at LendingPoint and asked when the payment would be deducted from the account and expressed my displeasure with the inability to access my account information. I received an automatic reply stating that my email would be responded to within XXXX business day ( would have been Friday, XX/XX/XXXX ). The next contact I received from LendingPoint wasn't until Wednesday, XX/XX/XXXX, when an automatic email was sent to me vaguely addressing the payment delay and giving me the option to either process the payment on XXXX or contact the company for other options. I selected to have the payment automatically withdrawn on XXXX The next day, XX/XX/XXXX ; I finally received a response from XXXX XXXX with the Customer Service department at LendingPoint. She stated that they were " working very hard to get all issues caused by the system merge resolved as quickly as possible ''. She also referenced the automatic email from the previous day and requested that I complete the steps in the email. As of today, XXXX XXXX XXXX ; the XX/XX/XXXX payment still has not been deducted from my account ; despite being told it would be taken out XXXX, XXXX and XX/XX/XXXX. This morning, XX/XX/XXXX, I reached back out to XXXX XXXX in the Customer Service Department regarding the continued delay of my payment and was told " the payment should process today ''. Regardless of whether or not the payment is deducted from my account today, I am appalled at the lack of communication from LendingPoint regarding the payment delays and the disregard for customers ' transactions. I consider this to be potentially harmful to consumers and as a banking professional myself, I am extremely shocked that a financial institution would be permitted to have such unfair and deceptive practices.
09/15/2023 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • MI
  • 48329
Web
I have not supplied proof under the doctrine of estoppel by silence. XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. I HAVE NO CONNECTION TO XXXX XXXX XXXX XXXX ( A FICTITOUS CREDITOR MADE UP BY CENTRAL PORTFOLIO CONTROL ). ALL HAS BEEN PAID THROUGH IRS DISCHARGE AND THE CONTACT I HAVE RECIEVED FROM THE MAIL FROM XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX IS A VIOLATION OF THE FDCPA. I DEMAND THAT YOU CEASE AND DESIST ALL CONTACT THROUGH MAIL, PHONE, AND DIGITALLY! 2ND CEASE AND DESIST WARNING THAT IS PUNISHABLE BY VIOLATION. RE : CLAIMS AND FAIR NOTICE XX/XX/23 2ND CEASE AND DESIST NOTICE AFTER THE XXXX XXXX ACCOUNT HAS BEEN PAID TO XXXX BALANCE AND DISCHARGED WITH PROOF. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Michigan State Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX I am writing this letter to formally enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq., in relation to the alleged debt you are attempting to collect from me. Delete your account from my credit report across all agencies now! You at XXXX XXXX XXXXXXXX XXXX XXXX XXXX ARE RUINING MY CREDIT. I WILL ENFORCE CLAIMS OF {$10000.00} FOR EACH VIOLATION. I have received communications from your agency IN MAIL AND PHONE CALLS regarding the debt in question, and I believe that your actions may constitute violations of my rights as outlined in the FDCPA. Therefore, I am requesting that you cease all communication with me and take the necessary actions to comply with the FDCPA immediately. Specifically, I believe the following FDCPA provisions have been violated : Section 805 ( c ) : Communication with Third Parties I have reason to believe that your agency has communicated or disclosed information about my debt to third parties, which is prohibited by the FDCPA. Section 807 ( 5 ) : Threatening Legal Actions I have received written correspondence from your agency that suggests legal action may be taken against me without any intention or legal basis for such action. This behavior is in violation of the FDCPA. Section 807 ( 10 ) : Using False Representation or Deceptive Means Your agency may have used false, deceptive, or misleading tactics in attempting to collect this debt, in violation of the FDCPA. Under the FDCPA, you are obligated to cease all communication with me until you have fully investigated and remedied these alleged violations. Please consider this letter as a formal dispute of the debt as well as a cease and desist request under the FDCPA. I request that all communication regarding this debt be halted immediately, and I expect you to respond to this letter in writing within 5 days. Failure to comply with the FDCPA may result in legal action, including a lawsuit against your agency. I trust that you will take this matter seriously and act promptly to rectify any violations.
06/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NY
  • 12550
Web
I initiated a loan with Lending Point on XX/XX/XXXX. I modified the terms of the loan on XX/XX/XXXX to make all future payments on XX/XX/XXXX & the XXXX of every month thereafter until the loan is paid completely off. On XX/XX/XXXX lendingpoint automatically withdrew {$210.00} ( the usual monthly payment ) in error, as opposed to XX/XX/XXXX as was agreed, in writing on XX/XX/XXXX. I cake lending point on 5 different occasions between XX/XX/XXXX & XX/XX/XXXX. The supervisor i spoke with and customer service agents i spoke with all agreed that Lendingpoint was at fault. They mentioned they works refund the {$210.00} plus the {$35.00} overdraft fee that they caused when my account went negative due to their error. I was told in XXXX, XXXX, XXXX, XX/XX/XXXX & XX/XX/XXXX that I works be getting a refund, but it has to be approved through their underwriting department. I was misled in all occasions calling this company because they waiting 12 days after my initial inquiry to refund only the original {$210.00} and not the {$35.00} overdraft feec which they stated over the phone and in writing ( via email ) that they would refund. My account is setup on auto pay. My auto pay was not drafted on XX/XX/XXXX to assure my payment for the month of XX/XX/XXXX would be on time. Now the patent is 1 day late. I promptly made my {$210.00} payment manually today ( XX/XX/XXXX ), online, after checking all day yesterday ( XX/XX/XXXX ) to see that my autopay ( by the way auto pay is the only way this company accepts payments as agreed in their terms and conditions ) was drafted. By the end of the business day on XX/XX/XXXX @ XXXX EST and later that day, no auto pay was drafted and no refund was issued. Being that I have zero faith remaining in this company, I did not make a manual payment until I saw my refund because I don't trust that they wouldn't try to double, or even triple ( 1 time on XXXX,2nd if my auto pay came out on the XXXX, and 3rd time if i made a manual payment to cover the alleged refund they were issuing ) charge me for their mistake. It's obvious they are using unfair and deceptive tactics and are not above board in their dealings. They are also claiming i now owe and asditional {$4.00} in interest being that I made a payment 1 day late. This needs to be investigated and corrected. I need to be assured, again, in writing with the signature of an authorized Lendingpoint officer that all payments will only be drafted on the XXXX of every month. That my late interest will be excused and removed from my account, that no reporting to credit bureaus will occur, that my {$35.00} overdraft fee will be tranferred as a deposit to my bank account, and that the apologize, and remove 1 months installment payment from my payable balance as a corrective action on their part. If these requests are not granted, i will be forced to seek further retribution for their deceptive and dishonest business practices. I have never dealt with a financial institution as dishonest and misleading ( on all levels ) as this company. They also should be audited to determine how many other accounts they are mishandling.
05/30/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37388
Web
I extended my credit creating this debt on XX/XX/2017. I am now aware of my rights as a consumer and it has been brought to my attention that my rights have been violated with this company. I dispute this debt. I have been violated under the Fair Debt Collection Practices Act ( FDCPA ) and The Truth In Lending Act ( TILA ). Payments were made towards this debt by allowing deductions from my employee compensation. I am the original creditor. Lending Point LLC is not the creditor. Lending Point LLC is a debt collector pursuant to 15 U.S.C. 1692a ( 6 ), any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ). I was subjected to unnecessary harassment, unfair, abusive, and deceptive collection practices from this company. I extended my credit to create this debt. Credit is defined in 15 U.S.C. 1602 ( f ) as, ( the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ). I used the numbers reflected on my credit card as defined in 15 U.S.C. 1602 ( l ) when I applied. Credit from my open-end credit plan funded this consumer credit transaction. Unauthorized use occurred as defined in 15 U.S.C. 1602 ( p ), ( as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ). I made contributions from my employee compensation towards a debt that was already paid yet was harassed, threatened with penalties for early withdrawals, the debt was incorrectly reported to the credit reporting agencies as a bad debt affecting my creditworthiness, etc. At the time I created the debt my name was different. I have since had a legal name change. So, the account associated with my SSN will reflect my former name. I received many deceptive forms regarding this debt. If this matter is not resolved I will have no other choice but to file a civil suit against Lending Point LLC in Federal Court for discrimination under the Equal Credit Opportunity Act because I am exercising my consumer rights under this chapter. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), ( It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. ). I am aware I will also be able to sue for violations committed under the FDCPA and TILA as well. On top of that I will seek actual damages and attorney fees. I am aware of 15 U.S.C. 1692e ( 3 ), ( The false representation or implication that any individual is an attorney or that any communication is from an attorney ). I would end up being entitled to a judgment. I would rather resolve the matter amicably. I am invoking my rights as the original creditor. I look forward to your full cooperation in this matter.
09/07/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 92646
Web
I applied for a personal loan through LendingPoint, for the amount of {$5000.00} on XX/XX/XXXX. I was approved for the loan quickly and they sent me the loan documents to sign on XX/XX/XXXX. I signed and authorized the loan. About 4 hours after signing the loan, I had changed my mind and called the company to cancel the loan ( same day I authorized it ). I started getting bad feelings about this company, and grew worry that it might be a scam. I first spoke to XXXX in customer service and she was giving me the run around. I called back after I had just talked to XXXX and demanded to speak to a manager and that is when I got XXXX ( Customer Service Lead ). XXXX explained the process to cancel the loan and he stated I needed my bank to do an XXXX to have the money sent back. I called my bank and at first they didnt know what an XXXX was. I then explained to them what I was trying to do. My bank informed me that the funds had not been deposited into my account and they couldnt do anything until the funds were deposited. I called LendingPoint back to inform them that the funds havent been deposited and why couldnt they cancel the loan. They stated that the funds have already been transferred. On XX/XX/XXXX I was the first customer in line at my bank and I explained to them what was going on. They assisted me in reversing the direct deposit into my account. Once I left the bank, I attempted to call XXXX back, however, I could never get ahold of him. XXXX had left the office abruptly or was nowhere to be found. I explained to the LendingPoint customer service rep what was being done, and they said they havent received the funds. My bank informed me that the funds were sent back immediately. I proceeded to call LendingPoint everyday there after. Each time I called I would get different answers. I would get nothings posted call back in 48 hours, I would call back again only to be told that XXXX would have to handle it. I called again talked to another rep for LendingPoint and she said it takes 7-10 for the finance department to get it processed. I am now 11 days in of communication and there still telling me the money had not been returned. After I threatened to contact the Consumer Financial Protection Bureau, XXXX comes out of nowhere and calls me. He stating that he contacted my bank and they told him it would take two weeks for LendingPoint to receive the funds. I thought this was fishy so I contacted my bank and they told me the funds were reversed and it was immediate, there is no two week waiting period. Today is now XXXX and I am still dealing with this. I have a letter from my bank confirming the funds were reversed back on XX/XX/XXXX. I sent this letter to XXXX but have yet to hear back. I feel like I am getting the run around and I am not getting any straight answers. Please help me resolve this issue, this has created so much anxiety and stress in my life, which is not good seeing that I am seeing a CXXXX for a XXXX XXXX. Please help me!
07/16/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • XXXXX
Web
This is regarding a collections attempt for a personal/consumer debt of approximately {$18000.00}. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. On XX/XX/19 my place of employment received a call from XXXX XXXX and spoke very aggressively with my business partner saying they were trying to serve me papers. He said if I didnt call him back they would send someone to my place of work tomorrow. He got his contact information and I promptly called back. I spoke with Mr. XXXX and asked him to remove my office/work number from the list. He then told me his client wanted to make an offer. I politely told him I wasnt in a position to make that decision yet. At that point he raised his voice and started to belittle and threaten me. I told him he could call me back tomorrow with my decision. He then hang up and called my office number again and spoke with my business partner and started to yell and belittle him also and go into detail about the debt that I owed, the settlement offer he gave and that he would start seizing my assets. After I had requested him to NOT call my office again. He then proceeded to call my phone again and again several times. I called him back and asked for his compliance department. He again started yelling and told me thats not going to happen. He went against several consumer collection protection laws according to the Fair Debt Collection Practices Act and Consumer Compliance Handbook : 1. A debt collector may not contact the consumer at his or her place of employment if the collector has reason to believe the employer prohibits such communications. ( I had requested that Mr. XXXX not call my office/work number again. Within 5 minutes he called my place of work and went into detail about my debt with my business partner ) 2. Communicating with Third Parties The only third parties that a debt collector may contact when trying to collect a debt are The consumer The consumers attorney A consumer reporting agency ( if permitted by local law ) The creditor The creditors attorney The debt collectors attorney ( Mr. XXXX told my business partner the specific details of my debt ) 3. A debt collector, in collecting a debt, may not harass, oppress, or abuse any person. Specifically, a debt collector may not Annoy, abuse, or harass persons by repeatedly calling their telephone number or allowing their telephone to ring continually. ( I received 4 missed phone calls from Mr. XXXX in a 10 minute period from XXXX XXXX MT XXXX XXXX MT ) 4. Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt ( Mr. XXXX falsely told my business partner he needed to serve me papers, identified his business as XXXX XXXX XXXX and that he would have someone come by my office tomorrow to serve me papers, when no lawsuit has even been filed yet )
08/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 45231
Web Servicemember
On XX/XX/XXXX XXXX XXXX XXXX submitted a Loan ( without my permission ) to Lending Point. XXXX XXXX received {$19000.00} from Lending Point ( a loan that I did not authorize ). From XX/XX/XXXX to current, Ive asked XXXX XXXX to refund this lender, and bill me for any balance after my insurance had paid for 3 extraction. Ive been told by XXXX XXXX numerous times ( different reps for over 8 months ) that they were refunding Lending Point the entire balance and would correct my account and bill me after insurance paid. My last conversation with XXXX XXXX prior to today was in XX/XX/XXXX in person, and I was informed then that they had computer issues, fired the person responsible, and would correct my account. On today ( XX/XX/XXXX ), I spoke with XXXX XXXX of XXXX XXXX, inquiring why they had not refunded Lending Point. XXXX informed me that they refunded {$18000.00} to Lending Point, and that {$350.00} was not refunded ( {$350.00} is what I owed after insurance paid ). XXXX asked that I pay Lending Point {$350.00} to resolve the matter. I refused to pay Lending Point, and I insisted that they refund the remaining balance of {$350.00} to Lending Point since I did not authorize the loan. I requested ( of XXXX ) that I pay XXXX XXXX {$350.00} XXXX forwarded a link to me, and I submitted the payment of {$350.00} ( attached receipt of Payment to XXXX XXXX ). I requested that XXXX give me something in writing that they would refund Lending Point, and he sent me a ledger. According to the ledger that I received today ( XX/XX/XXXX ) from XXXX XXXX ( XXXX ) ; XXXX XXXX refunded {$18000.00}, and kept {$350.00} on XX/XX/XXXX ( see attached ledger from XXXX XXXX ). I spoke XXXX at Lending Point regarding having this removed from my credit report, and XXXX instructed me to file a Fraud Report with our Police Department, and send in the report, along with my drivers license to XXXX. I asked why the amount on my credit report is {$1400.00}, if they refunded all except for {$350.00}? The response was that it was interest. I informed XXXX that I paid XXXX XXXX {$350.00} today, and that I wanted this removed since I DID NOT authorize this loan, nor should it be on my credit report. I asked that Lending Point send me a copy of the refund ( s ) that they received from XXXX XXXX. The ledger from Lending Point confirms that only {$18000.00} was refunded, and that XXXX XXXX withheld {$350.00} ( attached ledger from Lending Point ). On XX/XX/XXXX, I filed a police report, and file a complaint with the XXXX This Loan should be REMOVED from my credit report, and applied to XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX OH XXXX they are the originators, and recipients of this loan. This loan has created a negative impact on my credit-resulting in a poor credit score.
06/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MO
  • 652XX
Web
I am writing concerning my attempt to get a corporate loan from Lendingpoint via XXXX. They said the loan was approved, but then required a check showing both the corporation name and my name. I was able to get that for them, as I am the beneficial owner of the corporation per the bank 's records. But then they asked for a letter from the IRS declaring that I was the owner of the corporation. That isn't possible for a corporation since the IRS has no such visibility into the ownership of a corporation. So either they have someone handling the loan who isn't trained very well or they are denying me the loan for some other reason which they are not disclosing. After explaining that to them, they then required a letter from the bank, again saying that I was the owner of the corporation. The bank sent them a letter stating that they could not divulge the owners of an account under federal law, so what they're asking for is illegal. In any case, a privately held corporation 's ownership is not public record. If they call the registered agent and stock transfer agent ( my husband ), he'll tell them I own the majority of the shares. But the bank doesn't have any visibility into the current ownership of a privately held corporation and neither does the IRS and neither does anyone else besides the shareholders and stock transfer agent. The ownership of a privately held corporation is not public record, and that information is pretty much only available from the corporation itself. Lendingpoint should know this, and they should know they're acting in violation of the law. I can't really believe they're that stupid, so I can only conclude they're hiding the real reason for denying the loan. From the IRS : " While it is possible to do things like call the business and ask for the owners name, the IRS does not have any independent, direct information about the owner of a corporation. '' I am also not the registered agent or the original incorporator, so the state doesn't have any direct knowledge of my ownership, either. I purchased all of the stock in a private transaction about five years ago. I have a spreadsheet that tracks the share ownership, and I'd be happy to send that to them ( but that only proves I can put together a spreadsheet ). There are two people and a spreadsheet that know the current ownership of the corporation. I'm one of them and I'm telling you I own the majority of the shares and I'm the beneficial owner as well. Another shareholder retains 1 % of the shares, and that's my husband. He'll tell you the same thing. Please provide the real reason for denying the loan, as you know very well that the verification that you're asking for does not exist and is illegal for the bank to provide even if they did have it.
11/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 32571
Web
Over several day of applying for a personal loan, I got a phone call from a guy that said his name was XXXX from lending point. After a few hours of going thru everything he said I got approved for a XXXX loan. He contacted me and said he needed to verify my bank account. He kept me on the phone as this was going on. I got Leary if the way he was trying to verify the account so while on hold I searched the company name online. Everything seemed legit, the name, the reviews were ok, he even sent like a contract thing to me with the company logo and it matched the website. I gave permission to verify my account, he was depositing money in the account and I was to verify the amounts and send back which I did they Cashapp. While reviewing my account the same amount was deposited again. I called him and he stated that his college had sent the amount back to my account on accident so I returned it to him again thru XXXX. When I returned it he said to send it to a XXXX XXXX, which I did. After he said it was all verified he said he would have the paperwork done and money deposited in my account within the hour and we hung up the phone. I checked my account again after about a half hour and there had been XXXX more deposits of XXXX and XXXX of XXXX. I immediately contacted him and told him to stop everything that I was very uncomfortable if that kind of money going thru my account. He said it was a server error that they were working on and give him some time to get it fixed and that all that would be erased as if it was never there. While I was waiting on all that to clear up I decided to check the phone number he called me from against the phone number online to the lending point, they did not match so I called the number on line. A lady answered and I asked to speak to XXXX, she said I'm not sure if there is anyone here by that name and put me on hold. When she came back she asked what he was helping me with and I told her he was helping me with a loan that he was verifying my bank account and was to get back with me and I had not heard from him in over an hour or so at that point she told me that they would never ask for my bank account information at all so I knew then that I had been scammed I immediately got off the phone contacted my financial institution told them what was going on and then I contacted cash app and reported that money being transferred as a scam they are investigating as of right now and my financial institution had me change my online user ID and password and issued me another debit card. That was the last time that I heard from anybody I contacted the guy XXXX a few days ago and told him I wanted my money and he hung up on me all I have for him is a phone number and the false information that he gave me
07/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60629
Web Servicemember
Subject : Request for Removal of Sold Charged-off Accounts from Credit Report I am writing to address a significant concern regarding the reporting of sold charged-off accounts on consumers ' credit reports. It has come to my attention that LENDING PT has been reporting charged-off accounts on credit reports even after the debts have been sold to third-party debt buyers. This practice not only violates consumer rights but also disregards established federal laws and regulations governing credit reporting. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair reporting of their credit information. The FCRA mandates that information reported on credit reports must be complete, accurate, and substantiated. Furthermore, Section 623 ( a ) ( 4 ) of the FCRA specifies that if a debt has been sold, the original creditor must update the account to reflect that it has been sold and is no longer their responsibility. The reporting of sold charged-off accounts on credit reports violates the FCRA in the following ways : Misleading and Inaccurate Reporting : Reporting charged-off accounts as if they are still owned by the original creditor is misleading and presents an inaccurate representation of the consumer 's creditworthiness. This practice violates the requirement for accurate and substantiated reporting. Failure to Update Account Status : Failing to update the account status to reflect that the debt has been sold and is no longer the responsibility of the original creditor violates the FCRA 's requirement for complete and up-to-date reporting. Additionally, it is important to note that the Fair Debt Collection Practices Act ( FDCPA ) may also be applicable in this situation. The FDCPA sets guidelines for debt collectors and prohibits unfair, deceptive, or abusive practices in the collection of debts. Reporting a debt as if it is still owned by the original creditor, when it has been sold, could be considered a deceptive practice under the FDCPA. In light of these legal violations, I request that LENDING PT takes immediate action to rectify this situation by : Removing all sold charged-off accounts from consumers ' credit reports : All accounts that have been sold to third-party debt buyers should be promptly removed from the credit reports of affected consumers. This removal should include any associated negative remarks or comments. I expect Lending to comply with these requests within 15 days of receiving this letter. Failure to do so may result in legal action seeking remedies available under the FCRA and other applicable laws.
08/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • IL
  • 60629
Web Servicemember
THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANY HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY. Yes, I entered a consumer transaction with this Company. However, when my hardship occurred, I have learned that fraud has been committed against me. In the false and deceptive form that I was aggrieved in, I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ). Your company is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635 - Right of Recession ( this was not included in my contract ) Pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. Your company never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported. Any transaction involving a finance charge is the sum of all charges pursuant to 15 USC 1605a and federal law states that insurance is supposed to be included in the finance charge, 15 USC 1605c and my finance charge didn't include insurance or give me the right to include it. Making this a fraudulent contract. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. Making the RETAIL INSTALLMENT CONTRACT ACCOUNT between BUYER XXXX XXXX and XXXX your company is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER FINANCIAL BUREAU , which means I XXXX XXXX XXXX XXXX to rescinding the contract.
04/28/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • OR
  • 97132
Web Servicemember
Apologies in advance, I did my best to pick the answers that best fit my particular situation. On XXXX. XXXX, 2022 somebody fradulently used my information to open a loan in my name for approximately {$10000.00} with LendingPoint. I first became aware of this in late XXXX / early XXXX and immediately reached out to the company for resolution and reported it on IdentityTheft.Gov. From the very beginning Lending Point has been very difficult to work with and saying that they need information. First they said that they need a police report to start their investigation. I did that. Then they said they need more, so I got what they told me they needed. Then finally i heard back from somebody who said they were actually investigating it. That person connected me to XXXX XXXX XXXX where there was a fradulent account in my name that was setup. Whoever stole my identity took out this loan and transferred the money to a XXXX XXXX XXXX account. From there, they clarified that I need more details added to the police report so that they can subpoena the bank records and finish their investigation. At every interaction ( email attached ) they have moved the goalposts and not done anything to make me feel at all confident that they are actually investigating this claim in good faith. On Monday I sent a version of the police report that was updated yet again and followed up with them on Thursday the XXXX. I got a reply this morning which I thought was very curt and in line with my experience with Lending Point : " Hello, Account was believed to belong to you. '' I immediately replied that it was not my account and I would like to see the results of their investigation but have not yet heard back. I am no expert on legal matters but if they needed that updated police report to get a subpoena, it seems like that would take more than 3 days. In addition, at the very least, the investigator should have reached out to me and elaborated on their investigation, not send just a short, dismissive email. I have attached my emails to my contact at Lending Point " XXXX '' and the Police Report. They are acting like I committed fraud over 10k, which I find to be downright insulting. I have a XXXX XXXX XXXXXXXX XXXX and am a XXXX XXXX in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I have no reason to commit what they are essentially accusing me of doing. They are acting like I took out this loan and am now going above and beyond to get out of it and are not being transparent in their investigation.
10/14/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33069
Web
I took a loan out with Lending Point in XXXX of 2018. I have been paying the loan but the date due kept escalating. I sent an email to customer service asking for a set date. I received a response and was told that in order to have a set date my payment would increase. I agreed to this adjustment and signed the necessary paperwork via XXXX. I was informed my new payment would be due on the XXXX of every month. I then received an email for that next month saying my payment was delinquent since prior to me adjusting my loan the payment due date would have been the XXXX of the month and this would have been then XX/XX/XXXX. I replied to the email that I had locked in my loan and the payment was now set to draft on the XXXX of every month. Two days later I received a call from a woman at XXXX XXXX stating that I was delinquent and I must make a payment. I informed her that I had already responded to an email that was sent to me regarding this issue and that I now had a set date for my payment to be withdrawn monthly, on the XXXX. She acknowledged that she had seen the payment was set to be taken out on the XXXX. She asked who I sent the email to and when I went to look for the email, our call was disconnected. I then sent an email to the woman I initially made the change with to confirm that my payment was to be taken out on the XXXX and she acknowledged that it in fact was processing the withdrawal and she wasn't sure why anyone would be calling me. Three days later I receive a phone call from my son telling me that this same woman ( he confirmed the actual number ) was calling him telling him that she had to get in contact with me and that it was a very urgent matter. This woman spoke to me, acknowledged my payment that was scheduled but yet continued to dun me and to call my emergency contacts and causing problems for me that she had no right to under the fair debt collection practices act. I have called the company to discuss my disgust regarding this matter and the fact that something must be done as she was trying to bully me into making additional payments that were not due. I was promised notification of resolution to this matter but have received none to date. I am hopeful that you will be able to assist me in resolution to these unfair practices by this business.
08/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 32225
Web
Began looking for a loan. Looked through XXXX XXXX app in the Pre-Qualified section. After reviewing, found Lending Point. Provided information to Lending Point XX/XX/2020 via XXXX XXXX website. Was contacted first time XX/XX/2020 by agent, didn't speak with agent until morning of XX/XX/2020. Agent inquired about financials. Agent stated they had received all the documentation needed for processing loan request, however, wanted to confirm details of financials. At the time of speaking, the only documentation that I provided to Lending Point was a picture of a voided check for deposit reasons. This was requested at the beginning, prior to any email being sent from Lending Point. Agent claimed the loan request had been denied once advised of annual income over the phone. Email received from Lending Point XX/XX/2020 claims the company required more documentation, such as ID, Pay stub ( s ) from last 30 days of current employer, and a XXXX from previous employer. Email claims " Once your documentation ( ID, Pay stubs, XXXX ) has been approved underwriting will then execute a Hard Credit Pull. '' This email was received late in the afternoon of XX/XX/2020. At the time of speaking with agent, my application and certain personal info on application had been forwarded to Lending Point ; no ID, no Pay stubs, nor any XXXX information or any other follow-up information had been sent yet due to waiting to speak with agent beforehand. At the time, Lending Point had already made a Hard Inquiry on my credit report, despite not having the proper documentation they requested. They have denied my application without having received and properly reviewed the requested documentation. I believe this is wrong and unfair because Lending Point proceeded in making a hard inquiry on my credit report on XX/XX/2020 and made their decision to deny me for applying despite not having acquired all the proper documentation. The email stated they were waiting for said documents and that a Hard Inquiry would be made once these documents had been received and approved. I will also be filing a formal complaint with XXXX, XXXX, and XXXX and any other Credit Reporting Agency regarding this situation, as necessary.
01/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • WA
  • 990XX
Web
Lending Point offered me a loan back in XX/XX/2018. I process was somewhat simple and I needed the funds as I am a single mom, XXXX XXXX XXXX, and while I make a good living, sometimes I can not budget properly for long lengths of time without a paycheck, so this was a nice cushion so I didn't panci, although the interest is high. They expressed they are an online company only, and they do not send paper statements, and that everything is handled online, and I can make my payment online and access my statements. I have NEVER been able to access my account online, and they have been telling me for months that they are getting their website fixed and it should only be another two weeks. Well, it has now been a year. I usually send my payment by mail, which they will accept, but you have to mail it about two weeks before the due date to make it in time. For about six months they sent me a payment reminder by email, but never told me my account balance, and although I have asked many times I was never given my account statements. I have made numerous calls to this company and have spoken to numerous people. Then around XX/XX/XXXX they stopped even sending an email reminder. I have asked that a Manager calls me back and they never do. I have been directed to several " account specialists '' that are supposed to head up my account but it always gets transferred to someone else. I am very upset to be treated this way and I have no idea what they are doing with my account, late charges ( I always try to pay all my bills on time! ) or varying interest rates. I have most if not all of the emails, and hopefully they have recorded the phone calls, but I can't depend on them. I am also VERY upset that I was lied to, if indeed this is an online company ONLY, they should have a working website, and a way for the consumer to check their account statements. My interest is compounded inaccurately and they prey on people and make it extremely difficult to make payments on time on purpose so they can rack up interest rates ; it is predatory and it is WRONG!!!!!!!
08/30/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92139
Web
In XXXX i came across a person that was advertising a opportunity to join invest into a business that was being promoted as a " online franchise '' that was going by the name of XXXX XXXX XXXX. After getting a bit of information from the guy through XXXX and seeing a couple of videos of him showing " income proof '' from people i was a bit more curious. He convinced me that the online franchise has a team of sales reps for people that close sales for you for people that have no experience closing deals and even had me talk with one of their top closers. After being convinced and having a long thought and being in a desperate situation they even metioned that they have connections that can get me funded so that i can get in on a there higher level packages. I ended up taking a loan out of XXXX with who they referred me too which was a lender that goes by the name of lending point. I was funded on XX/XX/XXXX in the amount of XXXX and was told to split that check in 2 and send the 1 check in a cashier check to the person that referred me to the system and 2 the person i talked to on the phone which was the closer. The rest of the amount was supposed to purchase traffic through traffic vendors. In which they provided within the system that linked to XXXX XXXX XXXX XXXX..I was effected by the pandemic and was stuck paying off the loan. I have basically already payed to the lender about XXXX and it doesn't even seem like it has even put a dent on the loan and am still struggling financially from the impact that the pandemic has had and am beginning to get worried. I believe i had sent out a complaint to the ftc about this some time around XXXX and at this point have been trying to find and research for multiple alternatives because i believe that i shouldn't be paying back this loan when i was basically scammed. It was XX/XX/XXXX when i withdrew the 2 cashier checks and it was XX/XX/XXXX when i had the 2 cashier checks over nighted to the 2 addresses that iwas told to send them to.
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OR
  • 97203
Web
I called LendingPoint to ask if they could help with my payments as I lost a job in XXXX of XXXX. I asked for interest only payments or some plan to ensure I stay current. I made it clear I could make my payments but would like help to preserve cash flows until I got a new job or received unemployment. They said they could pause my payment. They made no mention they would report my payment as late to credit agencies. I never agreed to that plan if they would have said we will pause the payment but affect your credit. I made it clear I could make my payments and did not a want my credit affected knowing I could make the payments and would have income soon. They then paused my payment and 2 months later reported me as late on the payment even though it was auto drafted and paid. On XX/XX/XXXX, I called to speak with them about the issue and they said they would open a claim with the QA department and contact me within 72 hours. I also stated that they need to hear the recording so that they know I did not agree to the plan if it affected my credit or that they did not mention it would affect my credit as I would not have agreed to that. I did not receive a call back within 72 hours or at all. The information is still on my credit. I called back on XX/XX/XXXX and they said the claim was submitted but no other information was given except that I missed a payment. They had no other info and would not offer any info on the recorded call or what was agreed to or not agreed to. They said a QA department reviewed it in secrecy and would not disclose the details of the call. They stuck to their claim my payment was late. Not only are these actions illegal but immoral and wrong. Ive made my payments. They need to remove the late payment remark on my credit fully, not add a not but remove it and reinstate paid on time and fix my credit. My credit score dropped XXXX points!
05/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 64804
Web
I, XXXX XXXX, the NATURAL PERSON, Creditor, and Applicant, I was denied my right of credit by Lending Point who sent me an adverse action denying me credit on XX/XX/2022 pursuant to 15 USC 1691 ( c ) ( d ). I am submitting this complaint myself and no third party is involved in helping me file this complaint. As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Lending Point an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application. I extended an inquiry to CreditkarmaAPI ( Referral Source ) to see potential consumer loan options. Furthermore, that is a Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report which is proof the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof " pursuant to 15 USC 1642. I made an application in good faith. Yet I received no benefit from this credit transaction. Everyone benefited from this transaction except me. It is horrible to me that Lending Point blatantly violates Consumer Protection Laws. Furthermore they did not give specific reasons in their Statement of Reasons ( ECOA and FCRA ). According to 15usc1602 ( p ) XXXX never had my permission to allow Lending Point to view my non-public private information. As a result of the adverse action provided to me I have lost confidence with this elaborate system which congress has tried so hard to protect us from its abuse. For denying me my rights I am entitled to civil damages under 15USC1640 ( a ) up to {$5000.00}.
12/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • ID
  • XXXXX
Web Older American
This LENDING POINT loan was paid off on XX/XX/2020. That is the date my payoff check cleared my bank. I am due an over payment refund of {$600.00}. I have made more than 5 telephone contacts and multiple email contacts with the promise the payment will be processed with NO RESULTS. On XX/XX/2020 I contacted customer service representative XXXX XXXX and was informed there was no record of payment and she would check with management who in turn was going to work with the accounting department and someone would contact me. A supervisor called me and left a message stating everything was worked out and to please call back at the number he left to let them know if they should mail a check or wire the money back into my account. I called the number repeatedly for 3 days and all I got was a fast busy signal. I then emailed XXXX XXXX and explained I had received a message from a supervisor who left a worthless phone number. I again asked when my money was going to be refunded. Again, I called customer service yesterday and was transferred to a supervisor who stated they were working on it. I was paying over 70 % interest on this loan. Am I being paid interest on my money which they are still holding? During one conversation with a customer service representative last Wednesday I was asked to provide my bank account and routing number so they could do an electronic deposit. I provided that information. Today is XX/XX/2020 and still no money in spite of my conversation yesterday with yet another supervisor who told me it would be taken care of. MORE LIES FROM LENDING POINT. THESE PEOPLE ARE LYING THIEVES. Where is my money. By God, when the mail was one day late when making payments I would get bombed with emails, text messages, and phone calls asking where the payment was. Now the shoe is on the other foot, and they couldn't care less about paying me my money.
09/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • FL
  • 337XX
Web
I have a personal loan with lending point. My credit union refinanced the loan for me, and overnighted a check to lending point. The name of my credit union is XXXX XXXX XXXX XXXX. I waited just over a week, to call and verify the check was received. I was told they show no record of a payoff check. I called the CU, and got the tracking information. We show the check was received on XXXX at XXXX and signed for by a XXXX. I sent this information to lending point and they stated they would look into this and call me back. I call back the next day to see if any progress was made, and was told that her manager did not come in, and her manager was working with accounting. XXXX XXXX with lending point is the assosiate I spoke with, and she said that she would look into his and get back with me. I then had to call back the following day as no one has called me, and was told XXXX is out to lunch and will call me back. I then asked to talk to a manager or supervisor, and was told they did not have one in today, and XXXX would call me back. A few hours later I get an email from XXXX asking for the amount of the check, so they can look thru there deposits. I get this information to them same day. I have called and asked for a call back no one calls. I have emailed XXXX asking for an update, or anything and info not get a response. They are charging me daily interest on the account, and Took out another payment today. They received the check on XXXX it has now been 16 days and no one even knows where the money went {$20000.00}. I have my first payment on the new loan XX/XX/XXXX, and I really do not want to be paying on two loans as it seems like no one at lending point wants to help. They stated they would call me back on Monday the XX/XX/XXXX and I have still not been able to get any information. I just do not know what my next step is. Thank you.
10/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 32216
Web
I XXXX XXXX entered into a consumer credit transaction with LendingPoint/ XXXX XXXX on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 use 1605 defines a finance charge as the sum of all charges in a consumer credit Transaction. The Finance charge does not include cash, but XXXX XXXX/ Lending Point took cash and monthly cash payment which is equivalent to a comparable cash transaction. Congress stated if I go and get a " loan '' and there is a finance charge involved, because I used my credit card, which is defined my social according to 15 USC 1602 ( i ) ; to do a consumer credit transaction, I'm not suppose to owe anything more than whatever the finance charge is. Whatever the finance charge is in connection to a consumer credit transaction should be the sum of all charges. There should be XXXX cash included. The charges should all be together, according to Congress. It is inseparable to the extension of credit. 15 usc 1605 also states that the finance charge does not include charges of ANY type payable in comparable cash transaction. Being that monthly payments are being made/or have been made that is in fact a comparable cash transaction. Examples of charges which are included in a finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount or other system or additional charges. The 32.99 % interest listed in Exhibit A is in fact false and misleading because It is suppose to be included in the finance charge. XXXX LendingPoint also failed to provide or conspicuously disclose, my right to rescind. Which is in fact is a violation of subchapter 15 use 1635 ( a ) - Right of Recission as to certain transactions.
12/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • GA
  • 30813
Web Servicemember
On XX/XX/2018 I was contacted by the company to take out a loan for {$15000.00}. The terms was for 36 months at {$440.00} / month on the XXXX direct withdrawal from my account. I start noticing the amount was more and they were taking it out different days of the month. I recheck the loan agreement XX/XX/XXXX which downloaded in their app and it was for a different amount to be taken every 28 days for {$470.00} for 52 months. When I contacted the company about the fraudulent loan that my name had been attached I was told they would do an investigation. I received emails confirming that it was not right it was supposedly a human error. I repeatedly asked for the original loan but they could not give it to me and wanted me to agree to a new agreement and with supposed original terms. I refused because I knew that they couldn't produce the original loan agreement with my signature. They kept badgering me about making payments on a fraudulent loan they claim they did an investigation which I received there was an error on the company 's part however it was very clear that company intended to fraud me out of thousands of dollars. I found out this is has been to many other people. THE inconsistencies caused insufficient funds in my account because my due date went from the XXXX to the XXXX of the month for more money and a longer-term. Each month a different day. I have emails confirming that they want to try to re-establish the loan with original agreement but can not produce the original with my name sign to it. So basically the company gave me the original terms then went back and change the terms to get more money out of me actually over {$9000.00} start importing my signature to a loan I never agreed to which is not only a civil violation but a criminal act
07/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • AL
  • 352XX
Web
I was using XXXX XXXX to attain a loan. XXXX XXXX was very easy to use. I selected a low interest personal loan from XXXX XXXX and started the process via the internet. The very moment I selected the loan I wanted Lending Point LLC out of Georgia contacted me via email and phone within minutes of me selecting XXXX XXXX. I was convinced by Lending Point that they were my lender. So I began the process with Lending Point thinking they were my lender. I had simultaneously filling out all my information with XXXX XXXX to complete that loan process. Since Lending Point LLC was contacting me directly I thought they were my only lender at the time. Once the loan was finalized with Lending Point LLC I noticed they never revealed the interest rate that I was getting. On the final paperwork I see that the interest rate was 31 % and XXXX XXXX was saying I could attain a loan between 10-12 %. At the time I needed the money so I signed the paperwork with Lending Point LLC. When I signed that paperwork XXXX XXXX sent me a confirmation email saying they had confirmed the loan I selected and the money would be on its way 3-5 business days. It did not occur to me that I had completed two loans. XXXX XXXX was my original choice and their interest rate was around 11 %. XXXX XXXX is the lender I wanted to begin with. Lending Point deceived me and I want them to know their strategy is evil. I am sending this because people at times need money and they are vulnerable to these evil Lending Point tactics. After the 3-5 business days my bank account has two credits. One from XXXX XXXX and one from Lending Point. I only wanted XXXX XXXX low interest rate offer. Lending Point pushed me to get theirs.
07/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • VA
  • 20120
Web
I took out a personal loan for {$24000.00} with lending point in XX/XX/XXXX. Since then Ive made over {$7200.00} in payments however, my balance remaining is over {$22000.00}. To date, my amortization schedule has been unavailable to me online. In addition, I was never sent a hard copy by mail or electronic copy by email. Online it states it is coming soon for the past year so I called on XX/XX/XXXX and requested to speak to a manager. I informed her of my concerns and asked for my amortization schedule and was told one had to be put together and it would take some time. The manager then stated it would be best if I contact XXXX XXXX, my account manager, by email to request this info. Im not understanding why any manager cant assist me with my schedule or why my amortization schedule doesnt exist already when my loan has been in place for a year now. I also want to make a large one time payment to cut my balance remaining in half but, am afraid that my payment will not go towards principal. When I asked the manager on XX/XX/XXXX what the practice is I was informed that any additional payments would indeed be applied to principal. I asked her to send me this in writing to my email and was informed that she wouldnt be able to send me anything in writing stating this until my amortization schedule is ready. I asked when that would be and was told hopefully in 24-48 hours. Its been three days since my call and Ive received nothing. Before I make any payments to my account I would like my amortization schedule. It doesnt seem right that one doesnt exist already and the company is not being transparent with how my payments are being applied or with their lending practices.
11/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NC
  • 27545
Web
On XX/XX/18 an agreement was made with XXXX XXXX for a personal loan serviced my Lending Point. On XX/XX/2018 I received an email from Lending Point stating that my original Creditor for my loan was not with XXXX XXXX but rather with another bank by the name of XXXX XXXX XXXX. I was advised to continue making payments to Lending Point on behalf of XXXX XXXX XXXX. I reached out to Lending Point as well as XXXX XXXX requesting validity to the Loan agreement that was signed on XX/XX/18 as well as the email that was received on XX/XX/2018. I was told by XXXX XXXX XXXX XXXX that I do not have a loan agreement with them serviced by Lending Point. I spoke with Lending Point on XX/XX/2018 and requested for them to provide me with written validation of the information they stated to be true. Today XX/XX/2018 I received a call from Lending Point stating that my Loan agreement is a valid agreement and per line 21. On the loan agreement stating that the debt can unilaterally be transferred without notice given to me. She went on to state that Lending Point now own the debt and I owe only them. Per my loan documents, it state an agreement with XXXX XXXX and only XXXX XXXX can transfer or assign the loan agreement. Further stating that Lending Point is only the servicing agent for the loan on behalf of XXXX XXXX. She implied that Im trying to get away with not paying the loan. I stated to the representative that I am simply requesting documentation of the agreement that was set forth with XXXX XXXX XXXX, and also documentation that the loan has been assigned to Lending Point. She insisted that the agreement I have is binding and my loan document is proof of validation.
07/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NV
  • 89123
Web
Around the end of last year, I used an alternate payment source to pay my installment loan with Lending Point. I was asked by the representative if I wanted to save the payment source for auto withdrawals, to which my reply was " no ''. Lending point saved the payment source anyway and took unauthorized payments the next 3 months via that payment source. I contacted Lending Point in XXXX so they could stop charging that unauthorized payment source and correct the matter. I was informed that my call was escalated and a manager would call me back to remedy the issue. While Lending Point did indeed call me, it was never the escalated callback. I notified Lending Point that I was ceasing payments until corrective measures had taken place regarding them making unauthorized charges to that account. I again requested that supervision reach out to handle the matter. This call never happened. Recently, I received credit bureau notice that this account was severely overdue. I again reached out to Lending Point to attempt correction. The call was again escalated yet this time, I was immediately connected to a supervisor. I informed the supervisor of the situation who later confirmed the information I gave. I was told that the representative that made the " mistake '' faced corrective action, yet the only correction Lending Point could make was offering a hardship program to " catch me up ''. Lending Point intends on using their protocols and policies to justify violating consumer rights and technically committing bank fraud. After tirelessly trying to come to a fair and just result, I am left with no further option but to
12/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • MA
  • 013XX
Web Servicemember
Tried to pay the remainder of the loan off to avoid being charged interest on a loan that had a 60 day same as cash and when I called on the XX/XX/XXXX they were closed in observation of XXXX. I called Monday and XX/XX/XXXX and they charged me the interest on the loan. I left them a message with there on call staff and even screen shotted the phone call. They refuse to honor there 60 day same as cash. I had a problem with fraud with this company as well, they do all the loans for XXXX XXXX and I cancelled my subscription with XXXX XXXX and XXXX XXXX payed lending point back {$1400.00} back to them and I was left with $ 470+ balance for a service I never used. In the meantime over a spand of 6 months lending point held my credit hostage and called me to tell me that they are negatively reporting against my credit. After the {$1400.00} was returned to lending point they were forced to report correctly to the credit bureaus. I did receive a e-mail saying that they did correct the mistake. But dealing with there customer service I feel like this company is only out to rippe hardworking individuals off. All this took place in the holiday season and I have a XXXX XXXX baby. I am forced to pay the {$140.00} of interest that acurres more interest daily. Witch I don't understand because I paid the XX/XX/XXXX {$280.00}. So my next payment if I had to pay them would be XX/XX/XXXX. My payments were scheduled for the XXXX of every month. So I don't know. I am reporting them so you guys can hopefully notify them at least that they did me wrong and also keep future hardworking individuals from being ripped off.. thank you!!!
09/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • GA
  • 30296
Web
I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). If you, Lending Point adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. I am aware that you, Lending Point, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
06/02/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 90650
Web
I have sent 3 separate emails to the company requesting payment deferment & relief from late payment charges and negative reporting, due to my decreased income during this pandemic on XX/XX/20 at XXXX XXXX, the same day at XXXX XXXX, and another on XX/XX/20 at XXXX XXXX. Neither have I received a single confirmation that my emails are being received, nor an emailed response from the company. But I continue to receive texts that my payment is late, the most recent was 'your payment is now 25 days late. ' Concerned that I will be negatively reported and frustrated by not knowing where my request stands, I called them today, XX/XX/20. I was told that my request was forwarded to their support employee named XXXX but the representative I was speaking with was not sure if XXXX tried to call me or send me an email. I told her that I definitely have not received any emails to my external email address ( I even checked in the spam folder ) or to my message box on lendingpoint.com. I further informed her that because I receive numerous spam and fishing calls, I do not answer unknown calls, which is why I initiated my communication to them through my lendingpoint.com message box. In the middle of our conversation, the representative 's line went silent, then completely dropped. I waited for a return call, but no effort was made to reach out. I have also tried in vain today to verify my pay-off amount and access my loan terms and documents but nowhere in my online account on their site did I see a link to the loan documents and the pay-off amount.
10/07/2022 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • TN
  • 38506
Web
A personal loan was advertised to me through XXXX XXXX from XXXX XXXX. The application was filled out and approved on XX/XX/2022. XXXX XXXX has been sending me statements every month for this account. According to XXXX 's XXXX XXXX, a " Billing Statement '' is a written record prepared by a financial institution, usually once a month, listing all credit card transactions for an account, including purchases, payments, fees and finance charges. It may be mailed to consumers or provided electronically online. Also called a monthly statement or periodic statement. Accepting payment directly from me and redeeming the coupon/check is double dipping and is illegal. On XX/XX/2022 I sent the XXXX of Lending Point, XXXX XXXX, a letter with instructions and full payment for the remaining balance of the loan. That same letter was sent back to me on XX/XX/2022 along with a copy of the loan agreement and account statements. The payment was not sent back. The payment was kept. The balance does not reflect the account being fully satisfied. Lending Point has failed to uphold it's responsibility as the trustee to the trust and have not acted in the best interest of the beneficiary which is considered fraud. Lending Point has refused to accept my Negotiable Instrument as payment, however, Lending Point has never returned the negotiable instrument sent via certified mail therefore that is acceptance of value per UCC 3-603. The payment has been made and Lending Point has refused to place a {$0.00} balance on the ledge paid by XXXX XXXX.
07/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 33404
Web
Back in XXXX, i called and spoke with XXXX XXXX about getting an deferment due to the covid19. He told me that he was able to do the deferment and it should have been for 90 days. So on XX/XX/XXXX I get a notification on my from the credit agency that I have a 60 day late on my account. So I called and spoke with a nice lady from Lending point and she said it had to be looked at by an supervisor. So today I received an call from XXXX XXXX and he stated to me that they could not call me to advice that the payment was past due, because i placed a do not call on my account back in XXXX. As I explained to Mr XXXX, even if I did when I spoke with XXXX, I told them to call me. So what he's saying is an excuse. I told him I thought I had an 90 day extension and now he telling me it was deferred for only 30 days. He didn't do anything to try to help, but tell me good luck wit filing a claim. This company is horrible, we are going through such a tough time in this country for companies employees to act the way he did. I have requested for the 60 day to be removed from my credit. Also wanted them to work with me to pay the past due balance. We just started to get unemployment last week, so we will try to get caught up. I'm filing this complaint because, people should not be treated or affected like this during an pandemic. Also they need to be looked into, because i filed an complaint with the XXXX last year because they were taking money out of my account without my permission. This company has been a nightmare.
05/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • VA
  • 20109
Web Servicemember
XX/XX/2022 : Initiated a payment through the Lending Point app in order to process an additional Principal only payment for the amount of {$2000.00}. Called a representative to make sure that this additional payment was going towards principal only. The rep told me that they could not process it as principal only so I asked them to cancel the transaction and that I wouldn't make an additional payment if it would not be applied towards the principal. The representative told me that she wasn't able to do that and informed me to set up a stop payment with my bank. I set up a stop payment with my bank. The representative then without telling me voids the transaction. I call to set up a principal only transaction with a different representative who goes by Unique and " they have no idea what happened to the last transaction ''. They then inform me named that the rep prior did not know what she was talking about and admitted that this fee should not have been assessed. Their calls are recorded. XX/XX/2022 : I was assessed a {$30.00} stop payment fee. I call and send in an email providing documentation that the stop payment was assessed. They " submit a ticket '' in order to have this rectified. Silence for two weeks. I send a follow up email, radio silence. I follow up with additional phone calls, no response. Many " tickets '' have been created with no results. Only when I threatened to file a CFPB complaint did they want to start the refund process.
10/14/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 655XX
Web
I am filing this complaint about lendingpoint LLC regarding an alleged debt that is in dispute. On XXXX XXXX, I mailed a notarized affidavit certified mail to the company citing various violations of the FDCPA and requesting a response from the company as well as compensation within a months time. No response was received, and the company continues to violate my consumer rights as well as harass and defame my character. Their repeated phone calls during business hours interrupt my daily business as I am currently self-employed as well as their emails inundating my mailbox with correspondence including harassing language about reporting information to the credit reporting agencies and attempts to collect a debt. Lendingpoint has failed to rectify the situation and/or respond in any manner and continues to attempt communication when they were asked to cease their harassment. They were also invoiced for XXXX worth of violations. They are in violation of the following : 15 USC 1692b. ( XXXX ), 15 USC 1692b. ( XXXX ), 15 USC 1692f. ( XXXX ), 15 USC 1692d. ( XXXX ), 15 USC 1692c. ( XXXX ), 15 USC 1692c. ( XXXX ), 15 USC 1692c. ( XXXX ). They continue to violate my right to privacy and their reporting of negative information to all three credit agencies has resulted in emotional distress, loss of the ability to conduct proper business and is a direct defamation of character which includes my credit score and ability to obtain credit.
01/07/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • AL
  • 35226
Web
I called in to set up a payment to come out on XX/XX/2019. When I spoke with the representive I told her I wanted to pay a little more than the payment. She stated that you shouldn't go over the amount paid cause it would not be applied to princple. I asked the representive what happened to all the money that has been overpaid on this account. The representative stated that it may be in your reserve. Once she got back on the phone she stated that there was nothing in the reserve account because I have been delinquent since the start of my payments for this account. I asked could I speak to a manager. A manager was placed on the line I told her that the information was incorrect and I should not be delinquent on the loan because I am paying what is due per the online website. I told her if there was a past due amount it was never told to me and does not say that on my account once payment is made. I told her I pay whatever is should on my profile. This means that you all ( Lending Point have been inaccurately reporting negative information on my credit and also have inaccurate information on my account via the website that I ( the customer ) is unaware of. The manager stated that she would speak with the tech team to let them know of the issue and that she can only modify the loan to remove the late payment. The manager also stated that any overage that I have been paying goes to the interest of the loan.
02/10/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • DE
  • 19713
Web
Back on XX/XX/2020, I was offered a loan by LendingPoint, the loan was for {$17000.00}, once the loan was approved I was told that there was a charge of {$1500.00} for admin fees, which it was not explained to me, anyway I proceed with the loan and on XX/XX/2020 I tried to pay off the loan on which I already had made the XXXX payment, I made a payment of {$17000.00} and then I was explained all the fees and charges which when I asked the lady the amount to pay off she told me {$610.00} and some change to pay off which I paid then she proceed to cancel my autopayment which it did not happen, in XXXX I notice an auto payment of {$500.00} to LendingPoint when I called they told me that I still owned money did not tell me the amount but that the {$500.00} was the monthly due and so I asked how much was owned and why no one reach out to me about that. he said that to pay it off I still have to pay another {$8.00} and some change, I explained that I was told different back in XXXX and that I thought the account was pay in full already, I was not expecting that extra payment in XXXX which financially put me on a bad situation. I will like to get some clarification on it and about the interest why to high and why I was not provide with the correct information, again I got XXXX financially for the month of XXXX since I was not expecting this.
03/20/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • AL
  • 351XX
Web
On XX/XX/2023 I requested a payoff amount and submitted the amount provided electronically the same day ( within minutes ) to pay the loan off in full. Several hours later, the payoff amount/payment was posted to my account, and the payoff was short by {$4.00}. I called and requested a reason as to why the payoff was not provided correctly. I was informed there was some kind of system error that did not calculate the accrued interest for the XXXX, even though I had requested the payoff on the same day. I was informed due to the error, they would have the balance waived, and the process would take 5-7 days. After 10 days, and interest still continuing to accrue on the remaining balance, I called again on XX/XX/2023 to inquire as to why the remaining balance had not been taken care of as stated it would on the XXXX. I was informed the balance was only {$4.00} and I could pay the remaining balance off over the phone. I had to go back through what happened again. I was placed on hold ( as I was the first time on the XXXX ), and was told they would escalate the issue again. I'm concerned this company is harming other customers by not providing accurate payoff quotes, leaving consumers short on payoffs, and additional interest accruing on the accounts, making it harder for customers to get accounts paid off and resolved.
01/02/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • MI
  • 48221
Web
I XXXX XXXX XXXX attempted to remain in honor by tendering payment via ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount {$11000.00} in accordance with HJR-192 Public law 72-10, U.C.C 3-603 ( b ) U.C.C. 3-311 and public law for negotiable instruments to LendingPoint LLC XXXX XX/XX/2022. They accepted my instrument but did not credit my account correctly. I did call on XX/XX/2022 and spoke with XXXX from collections, XXXX from customer service, XXXX XXXX from customer service, XXXX XXXX manager from customer service, XXXX from collections, XXXX manager from collections recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for immediate investigation to rectify the situation without XXXX so they can remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices, are against the law in which our country is built on.
11/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06112
Web
On XX/XX/2020 I received a call from a rep from Lending Point. The representative was calling for a payment. I advised I was experiencing hardship however I could make the payment on Friday ( XX/XX/2020 ) which was the end of this week. She stated if I wait until Friday it will report negative on my report and that I had to make a payment that day which was a Monday. I explained to her I didn't want any negative remarks on my credit therefore I paid with my credit card. A week later XX/XX/2020 I started to get alerts from my credit monitoring company that a late payment has been reported. I called the company and spoke to the supervisor ( XXXX XXXX ) on XX/XX/2020 at XXXX. She stated she would review the call and call me back. After waiting all day and didn't get a returned call, I called the company again at XXXX and requested to speak to XXXX . XXXX stated she did review the call and the representative did advise me it would not report on my credit file, she stated she would educate the representative however it was nothing she could do with updating my credit profile. This company misadvised me, took a payment and then reported negatively on my report and refuse to do anything about it. I am not sure what to do or where to go from here as this is very damaging on my report. Please help
11/18/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30005
Web
On XX/XX/XXXX Lending Point LLC charged a card that was previously used for a one time payment months before, they used it for an unauthorized transaction on XX/XX/23 for {$500.00}. When contacted, the company agreed they knew of the transaction and that they would immediately fix it. To this date I have talked to a few representative who have given dates that it would be credited back to the account and this has not happened. Various dates and times I was told it would only take 5 days to credit the account back, then most recently I was told it would be back in XXXX to XXXX business days from when I called, not when they realized they did this action illegally. Which meant that, this past Friday would have been the date the credit would have happened. The account was over-drafted by this deceptive practice and fees were applied, the account was not authorized for any transaction or drafting on that date and there was not consent given to draft the account. For several weeks this has cause major grievances and even lost wages. The actions of Lending Point LLC have caused bills to be unpaid, fees applied, and lost wages from the company drafting a payment from a debit card/account that they were not authorized to do so. The company knew of the incident and have not rectified the situation.
03/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • GA
  • 306XX
Web
Last month was contacted regarding a loan approval and wanted online banking information ; I declined and hung up. Today XX/XX/XXXX XXXX XXXX called from Lending Point XXXX to tell me my loan application was moved to their unsecured department and was approved and needed to verify my bank information to send deposit. I had applied for many loans and he sounded legit, I even looked up the company online as we were talking. I agreed to give him the info as he confirmed he was just taking a screen shot and I could change my passwords afterwards. I was then transferred to XXXX at direct line XXXX ext XXXX to go over terms. Was told a good faith deposit would be deposited and I would then send back to them and the entire loan amount would be credited within 45 minutes. I got off phone and felt odd about it so I called the number from the website. They are in GA and couldn't find an account for me. Then I get a call back questioning why I changed my password before funds were deposited and he wanted to send the verification by cashapp. That deposit failed ( from $ XXXX ). Yes, I felt it was wrong but I'm in a financial bind now I feel I should cancel both my checking accounts, one I gave them online banking info for and the one linked to my cXXXXp as well as get a new XXXX. XXXX 's ext was XXXX.
07/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 080XX
Web
Lending Point keeps charging me automated payments that I did not agree to. They keep charging me on the wrong day and this month they are trying to charge more than once. My payment date is the XXXX of every month but last month they charged me {$260.00} on XX/XX/XXXX when I called and explained that they are charging me on the wrong day they took more than a week to reverse it and there solution was to offer me a " temporary relief '' payment plan where I only pay {$26.00} on the XXXX of each month for two periodic periods which means that the next full payment should be XX/XX/XXXX but they sent an email saying that the temporary period is ending. They are taking advantage of me and will only accept automated payments which means that if they charge someone on the wrong date and put them in the negative then offer them a " temporary relief '' payment plan it wraps the two payments to the end of the loan prolonging the loan and is a tactic to increase the interest rate. This is predatory lending. Lending Point put me in the negative last month and I was not able to pay my other bills or even afford food for me and my family. Please review the documents I provided for proof of predatory lending. This is a violation of my rights as a customer with TILA and the federal transactions act.
05/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 489XX
Web Older American
A loan was fraudulently obtained in my name from Lending Point LLC.in the amount of {$10000.00}. The proceeds were deposited in my Business checking account. I knew the perpetrator, he was an attorney from XXXX, Africa staying in New York during the pandemic. He told me that it was his personal loan, and since he was not a USA resident he did not have a bank account. I sent the funds to a third party, after he signed a letter of explanation to me stating the funds were his and they were not illegally obtained. I realized the fraud when I received an automatic interest payment from my business account. I reversed the payment and declared a fraud account. Lending Point has denied my request to classify the loan as fraud. I have filed a police report detailing the fraud activity. I have cooperated with Lending Point LLC. The loan was obtained online, also to include a telephone interview on a recorded line. Lending Point admitted they know the persons voice taking out the loan was not my voice, they were different. It was their lack of oversight and overzealous desire to make a loan that lead to this activity, they should admit their mistake and charge the perpetrator accordingly.
01/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77396
Web
I sent Lendingpoint LLC a Cease and Desist in XXXX of 2021 instructing the company to stop communicating with me through any and all mediums. Lendingpoint LLC has violated my federally protected consumer rights by communicating with me through The Credit Reporting companies, XXXX, XXXX and XXXX after being told to stop. 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
12/01/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • GA
  • 30519
Web
I applied for a personal loan through LendingPoint LLC. I was notified via email and phone by their employees that I was approved for the loan and I was instructed to send in a paystub, bank statement, voided check for direct deposit, and a copy of my ID. After I submitted these items I received an automated email shortly after stating that they would not be able to grant me the loan that they stated that I was already approved for. I called the employee whom I was working with directly and they gave what may be a valid point about some negative items in my bank statement. But I was told that I was approved for the loan, not that I had to submit further paperwork to be approved. This to me is deceptive and misleading, and I was caught by surprise. I had already begun to make plans to use the funds that I was told that I was approved for, only to be told by them that they would n't grant me the loan. Maybe they tell customers that they are approved, when really they are n't yet, so that the customer will stop shopping for loans and go through them for the loan. Either was I feel like I was mislead, and I gave this company all of my personal information.
01/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • PA
  • 19135
Web
15 US. CODE 1681-2 XXXX consumer report an agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an illegal identity Theft not later than four business days after the date of receipt theft please delete this account as soon as possible ( Lending point LLC )! It has been 30 days and you are in violation of this law because I am a victim of identity DEF please delete this account as soon as possible These accounts should not be furnished all my consumers report is they are in violation under code 15 US CODE 2681b- permissible purpose of consumer report ( a ) in general subject two subsection ( c ) any consumer report an agency may furnished A consumers report under the following circumstance and no other ( 2 ) in accordance with the written instructions of the consumer to whom it may relates I never gave any consumer report and agency written consent to report anything or my consumer report which violates my rights as a federal protected consumer.No CONSENT IS IDENTITYTHEFT. As a consumer I am demanding the deletion of the account listed immediately ( leading point LLC )
08/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 923XX
Web Servicemember
During the past year as a Lending Point customer I have encountered many problems. The due dates, payment amounts, and late payment information has been inaccurate and still is. Lending Point has failed to update it's systems and that that resulted in an erroneous negative late payments being reported to my credit report, harassing phone calls, and extended wait times when calling to report and correct the issues. Recently Lending Point has changed their web site to include a 2 % transaction fee on all payments made via their web site. In an attempt to avoid this exorbitant new charge I recently called to make a payment and now they charge on all phone payments as well. With the payment amounts the 2 % fee can be very expensive, My average payment to Lending Point is {$1000.00}. This would mean an additional {$20.00} charge just to make the payment. Working with Lending Point has proven to be very difficult and they do not have the customers financial success or future in mind. Lending Point continues to create obstacles that obstruct payment ease, accurate payment amount and due date information, and consumer friendly access to accounts.
01/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • CA
  • 920XX
Web
First of all I was forced to secure funding for additional dental work in the middle of my appointment before they would complete the rest of my root canal. So not only was I forced to do this in the middle of my appointment but the amount of additional cost was misrepresented by {$6500.00}. My treatment plan cost XXXX. I received a XXXX for XXXX. With the requirement that I go to a certain dentist. My treatment plan was drawn up and started by one dentist and then I had a different dentist mid appointment suggest additional work be done. Not explaining the exact cost initially just that it was all necessary work ( which it was legitimate work that I needed ) but when they showed me the paperwork to sign mid appointment while my face is numb and Im laying in the dentist chair. The figures presented to me were roughly {$1500.00} difference. So my original plan was {$14000.00} or so and the new treatment plan was XXXX roughly. But these figures did not take into account my first payment of {$6500.00}. So Im thinking Im committing to less than {$2000.00} of additional work. When it was actually {$6500.00} + {$2000.00} = {$8500.00}.
07/20/2016 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • GA
  • 30324
Web Servicemember
I want to file a " Bait and Switch '' Complaint on Lending Point. The WEB SITE states : Can I Apply For a Lending Point Loan? Easy Questions To Help You Decide Am I at least 21 years of age? Can I provide a government issued photo ID? DO I have a social security number? Do I have a minimum annual income of {$25000.00} ( from employment, retirement or some other source )? Do I have a verifiable personal bank account in my name? Am I interested in a personal loan of {$3500.00} up to {$20000.00}? If you answered YES to these questions, let us see if we can help you rewrite your credit story. The Company refused me a loan based on low balance in Checking Account! Th Company MADE 15 requests for data and even told me I was PRE-APPROVED For {$17000.00}! The advertisement does not match their process, plus they requested bank account statements and recent history and and I believe those are privacy issues related to my purchase history and not germaine to application. I request enforcement action! Process Review, FINES, and ENFORCEMENT. Why dont they have to have an address posted? Their Telephone number is : XXXX
06/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 84040
Web Servicemember
The personal loan account with Lending Point LLC was opened XX/XX/XXXX ( 4 yrs, 7 month ago ). I set up automatic payments with the company. Everything was fine until around XX/XX/XXXX when I told Lending Point LLC, via phone, that my bank account on file experience fraud and the payment account with Lending Point LLC to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. Lendingclub LLC kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account. I would like to have the charge of and closed account removed from my credit because this is the fault of Lendingpoint LLC. I've reached out to Lendingpoint LLC several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. Lendingpoint should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.
01/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • CA
  • 94134
Web
On XX/XX/2021 I made an online payment on their website. Monthly payment is for {$270.00}. I made a payment for what I could afford that day which was XXXX. Website froze, message of, don't go back or refresh pop up and then I was charged {$720.00} instead of what I input for authorized payment. Filed a claim with them, multiple calls, emails, 11 overdraft fees for {$36.00} each due to their websites error on my bank account. My bank stopped the payment, put money back in my account before all those overdraft fees but Lending point took the money from my account again, knowingly it was a mistake and a claim was filed. After lots of back and forth and promises by supervisor XXXX XXXX using her work email, XXXX To refund the whole amount and pay for the overdraft fees, final answer was, her boss told her they won't be able to refund any money or any of the overdraft fees. They're violating my consumer rights when it comes to federal and state rules, laws, and regulations that govern financial institutions. I'm filing a claim against them for abusive unfair and deceiving business practices.
10/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 483XX
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX, Account Number : XXXX Account name : Lending Point LLC, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights to privacy. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 28117
Web
I was contacted by a gentleman that I believed to be affiliated with a company called Lending Point. I was seeking a personal loan and they told me they could assist me at the time. In order to qualify for the loan and receive the funds however, I was told my credit score needed to be raised which was understandable considering my current score. In order to do this, the lender told me they would make payments on my account from their end. They made XXXX separate payments which totaled upwards of {$4000.00}. When I spoke to the company over the phone, I was told that as soon as I paid them back that I would receive the agreed upon loan amount. In order to repay them I needed to purchase several gift cards totaling the amount of the payments they made to my credit card. After purchasing the cards and sending them the information on them, they assured me they would be sending me a loan. Only a few days later I was notified by discover card that the payments they made were returned unpaid, and that my credit card was now XXXX over my spending limit! Im trying to get this resolved.
06/07/2023 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • NY
  • 11102
Web
LendingPoint LLC is refusing to provide me with a copy of the loan application that a dental provider submitted to LendingPoint on my behalf unless I pay the alleged balance on my account.I understand that in or around XX/XX/2021 LendingPoint approved me for a loan of XXXX to be applied towards dental services provided by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I believe that XXXX XXXX which submitted the loan application to LendingPoint, falsified my income information on the application inan attempt to ensure its approval. I do not have a copy of the application, so I am unable to review it to confirm weather it contains falsified information about my income ( XXXX XXXX XXXX XXXX and received only XXXX ) .On or around XXXX XXXX, I called LendingPoint to request a copy of the loan application.A representative told me that I could not get a copy of the application unless I paid my balance.Without a copy of the application, I can not determine whether XXXX XXXX submitted false information to secure the loan, which is preventing me from taking other steps to address the loan.
11/03/2021 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • TX
  • 77396
Web
On XX/XX/2021, in accordance of the law 15 U.S. Code 1692g - Validation of debts. I sent LendingPoint a debt validation letter for an alleged debt. I also sent a cease and desist in accordance of the law 15 U.S. Code 1692c - Communication in connection with debt collection. Since that date I have not received any communication by mail providing any validation information for this alleged debt. On XX/XX/2021 LendingPoint withdrew {$620.00} violating 15 U.S. Code 1692g and 15 U.S. Code 1692c. On XX/XX/2021 LendingPoint contacted me again via mail with a letter Dated XX/XX/2021 violating 15 U.S. Code 1692c, 15 U.S. Code 1692d and 15 U.S. Code 1692b - Acquisition of location information. LendingPoint is harassing, using profane and obscene language toward a federally protected consumer. LendingPoint operates as if they are above the law and continue to show this with there continuous violations of the law. If LendingPoint does have a promissory note it is a negotiable instrument and according to the law 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, the alleged debt is paid in full.
03/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34208
Web
Personal medical laon for a XXXX XXXX was taken out in my name XX/XX/22 without my knowledge. Online contarct with lender was fraudulent signed using my name. Documents that was submitted with my information I was mislead into providing under false pretenses. One payment on the loan was made in XX/XX/22 using billing information that did not belong to me. I never received one billing statement from XXXX XXXX XXXX who provided the loan. Did not become aware of loan until it was Lendingpoint flaged my credit due to late payments. On file with XXXX XXXX XXXX that had phone numbers, email addresses and mailing addresse that did not belong to me as well as place of employment Proving that the was a fraudulent. As of today I have put a fraud alert on my credit, have called both Lendingpoint and XXXX XXXX XXXX several time file a dispute with experian anf XXXX XXXX and in the process of filling a police report once the lenders provide me with all of the necessary documents. Thanks for listening and providing me with some kind of assistance with this unfortunate matter.
07/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • FL
  • 33015
Web
During the month of XX/XX/2022, I received an advertisement in the mail from a loan company by the name of " XXXX XXXX. '' The promotional material promised before entering my information into their pre-screening form that there would be no hard inquiry performed into my credit. I was not approved for credit by XXXX but then on XX/XX/XXXX I received another email suggesting that I " Check Rates At XXXX, '' a " XXXX trusted partner, '' again with the promise that it " Won't impact your credit score. '' However, after entering my information, on XX/XX/XXXX I received an email from a company called " LendingPoint LLC '' stating that they had ordered a credit report from XXXX on XX/XX/2022 regarding my " application. '' I'm not sure if LendingPoint LLC is a real company or if this is just a scam trying to steal my identity, but now I have a recent credit check showing up in my credit report, which was completely unauthorized by me. I have tried contacting XXXX directly to see what can be done, but the XXXX was unable to assist and I was unable to make human contact.
05/16/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 94901
Web
XXXX XXXX and her husband have been dealing with some serious medical issues and money problems. XXXX XXXX took out a loan with the company Lending Point. She was payin g Lending Point b ack monthly starting in XXXX . Their money crisis increased and XXXX and XXXX XXXX sent any creditor a written letter stating they are going through a tough financial situation. XXXX XXXX took the loan out I believe in late XXXX . XXXX and XXXX XXXX have been harassed almost daily and hired myself, XXXX XXXX as their attorney in this matter. I contacte d one e mployee named XXXX who hung up on me twice without any explanation except that she does n't know the law and would n't discuss the case with me. Her supervisor hung up on me too and accused me fo swearing at XXXX . I have never swore at an employee. I have included the many pestering emails, XXXX XXXX as received. She also has been called incessantly from Lending Point o n XXXX XXXX , XXXX , XXXX , XXXX , XXXX , XXXX , XXXX XXXX , XXXX , XXXX , and XXXX .
08/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33556
Web
I noticed when we went to buy a house and the pre-approval loan was being run, that this loan was attached to my credit report and fraudulently opened. This was in XXXX and XXXX of 2023. I immediately contacted the company via phone and at this point 8 different times via email for documentation purposes. I have only received two responses back from a XXXX, who apparently is a customer service rep. Her only communication has been to ask for my ID and a report whether it be a police report or FTC report - I sent her my ID and also the FTC Identity theft report and letter I had filed. The first communication took over 2 weeks to get. The next took me sending 3 more emails asking for followup and she did not reply with any updates. I have since heard nothing back and can not get anyone to contact me. However, it is stating that the account is not being paid on. I have requested contact again today to rectify this- so that I do not get hit with late payments on my credit report. The name is not accurate. The signature not accurate, the address wrong, and more.
01/15/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95354
Web
On XX/XX/XXXX I took out a loan for {$8000.00}. I signed a contract that said I would be charged an armorization fee of XXXX but if I paid my loan off early I would get that back. I made 9 payments of the {$230.00} the told me to pay and each month my owed amount was always above {$800.00}. When I did the math that mean out of {$230.00} XXXX $ of each payment was going to interest if you subtract the XXXX from the XXXX, XXXX dollars i had paid. I was given a paper saying I would pay XXXX in interest over 60 months but just in the first 9 I had already paid over XXXX and my loan amount was still over XXXX When I asked they said it was correct so I sent them XXXX to pay off the loan however a payment came due before they got the check for XXXX and i had to pay another XXXX the sent me back XXXX after I complained however I should have gotten the XXXX back as well as not have paid that much in interest according to the armorization schedule I have. They have completely ignored me about this even though I have the contract that shows they now owe me money.
12/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • IL
  • 60177
Web
I scheduled a payment for my loan to be made on XX/XX/22. Lending Point changed the payment date ( I have several confirmation emails to illustrate that I scheduled my payment for XX/XX/22 ). They posted the payment on XX/XX/22 a day early, which withdrew from my back account a day early. Which over drew my bank account that resulted in {$120.00} in overdraft fees. When I approached Lending Point for an email that outline the error on their end, they asked me to provide private banking information to prove the error even though I presented the screen shots and emails showing that they took my payment a day early. When I asked to escalate my concerns they refused. All I wanted was a note from them admitting the system error so I could have my bank remove the fees. A company should not be able to make a payment from my bank account without my consent. they did NOT have consent from me to withdraw a payment on XX/XX/22, which is what they did. I believe this to be a system error that other clients are likely impacted by.
05/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NY
  • 10019
Web
Today XX/XX/2023, I called the lender to refinance and ask for assistance since my employer has stopped paying me. While my attorneys are working with my employer, XXXXXXXX XXXX to reinstate my pay, I indicated to the lender that I have been a loyal customer for 5 years and asked them to hold off any future payments or refinance, especially since the current loan I have with them has an 18.5 % interest rate and I paid a {$2000.00} fee plus similar for another loan. With the status of the economy and layoffs, I asked for sympathy and compassion. They have been wonderful to me in the past and very helpful. Today, I experienced pure hate and immediate dismissal from their customer service, refinance & credit departments. I indicated that I may have to default if my wages do not get reinstated. I also indicated that I was going to report them to your Agency. They laughed and hang up on me. Zero compassion. No assistance. After almost {$20000.00} in fees and more hothouse payments, total hostility and zero empathy.
08/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 926XX
Web
Lending Point has reported multiple 30 day late payments to transunion credit bureau that are not accurate and has reported to XXXX that I did a settlement not a full payoff. In XX/XX/XXXX I took a {$20000.00} loan out with Lending Point. I've paid off the loan in XXXX of XXXX and up to that point always made my payments on time. In XX/XX/XXXX I informed XXXX XXXX at Lending Point that they have reported multiple 30 days late payments on my account to XXXX. She said that she would get these removed since I had no late payments. Within 60 days those late payments were removed. In XX/XX/XXXX I was informed by XXXX that multiple 30 day late payments have been reported from a loan that I had with Lending Point back in XXXX. I called XXXX XXXX at lending point and emailed them with documents showing the late payments on my credit report. XXXX informed me via phone she would talk to management to get them removed. I have heard nothing back from lending point. I've left multiple messages and emailed multiple times.
08/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 617XX
Web Servicemember
On XX/XX/2023, I notified LendingPoint, LLC that they made an impermissible inquiry of my XXXX Consumer Credit Report. My XXXX Consumer Credit Report, dated XX/XX/2023, lists a soft credit inquiry by LendingPoint, LLC that I did NOT authorize. I am in receipt of LendingPoints response letter dated XX/XX/2023 ( postmarked XX/XX/2023 ). LendingPoints communication is a nonsensical mess. LendingPoint refused to address their impermissible inquiry of my XXXX Consumer Credit Report on XX/XX/2023. Additionally, LendingPoint refused to provide any documentation showing that I authorized their inquiry. Instead, LendingPoint described an alleged investigation that they allegedly conducted regarding information that they allegedly furnished to an unnamed credit reporting agency. As stated in my letter dated XX/XX/2023, LendingPoints action constitutes a violation of the Fair Credit Reporting Act 604, is illegal, is injurious to my credit rating, and is an invasion of my privacy per 15 U.S.C. 1681 602 ( a ) ( 4 ).
05/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • PA
  • 183XX
Web
was told that my credit score was not high enough and needed to verify bank acct information such as acct number, routing number and my on line banking user name and password. they would deposit a fixed amount from their bank to my acct. I was suppose to withdrawal funds and send back via XXXX or at a XXXX or XXXX. I got suscpious and questioned it they told me to not worry they were only taking the amount they deposited and that my money I had in there was safe I could even transfer that money out prior to make sure I was charged anymore. They started to deposit several amounts in one acct. then I saw they had access to my other checking acct via thru my online banking and they deposited a few amounts in that I questioned that they said it was for verification purposes and as soon as I would give them there amount back i would receive my loan amount of {$4000.00}. I called my bank and put a stop to this reported it as fraud closed the bank acct. and changed my user name and password for my bank.
10/15/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • NC
  • XXXXX
Web
On XX/XX/XXXX we noticed that LendingPoint had taken their payment out of {$830.00}. XXXX early XXXX approx XXXX I notified LendingPoint that my employment was still impacted by COVID19 and I hadnt yet secured a job thus unable to pay and to stop automatic withdrawal. LendingPoint had allowed in XXXX of 3 months with good faith payments of {$72.00}, {$72.00}, {$100.00}. On the XXXX they took our entire payment of {$830.00} without approval or permission via request to cease auto withdraw. I called and spoke to representative XXXX XXXX who acknowledged the error apologized and assured escalation to upper management and a refund of the unauthorized withdrawal within 24-48 hours. As of XX/XX/15 this has not yet been refunded causing multiple overdraft fees in my account and inability to purchase necessities for everyday life. We have contacted via phone and email representatives with LendingPoint since the expiration of the 72 hours who have assured us its being processed but it still has not.
04/02/2023 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23666
Web
Dear Lending point I am writing to bring to your attention that I have not received a Form 1099-C from your company for the cancelled debt that I owed to you. As per the IRS regulations, creditors are required to report cancelled debt of {$600.00} or more to both the debtor and the IRS by filing Form 1099-C. I am aware that you have written off the debt that I owed to your company, which makes me eligible to receive a 1099-C form for the tax year in which the debt was cancelled. However, I have not received any such form from your company, which puts me in a difficult situation with regards to my tax filing obligations. I would appreciate it if you could please send me a copy of the 1099-C form for the cancelled debt as soon as possible so that I can properly report it on my tax return. Failure to do so may result in penalties and fines imposed by the IRS. Thank you for your attention to this matter, and I look forward to receiving the necessary documentation from you soon.
08/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • CO
  • 802XX
Web
I got a personal loan at elevate medical to assist me in medical issues that I was facing they help me get along through their company that they use for a certain price and a certain amount of treatments I did not receive all not even 20 % of the treatment that I was signed up for before they went out of business now they have released my information and the debt to a creditor saying that I owe a outrageous price for services that was not rendered I tried to speak with both entities the lending company and the doctor 's office that was treating me but due to I don't know what I have not got the problem resolved upon looking and my credit report the billing went from a {$5000.00} loan or XXXX XXXX almost {$8000.00} for services that I did not receive when I asked them to return the money back to the loan company that they receive for my treatment they specifically told me they will not and they can not do which I know was not true that's why I am contacting you
05/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MO
  • 63385
Web
According to the recent laws medical debt is not to be reported until its at least 365 days past due. The definition of medical debt is : Debt that arose from the receipt of medical services, products or devices Because of the receipt of medical services, devise and products described above I was forced to take a medical debt loan through XXXX XXXX which was sent to LendingPoint LendingPoint is aware that the loan was for the receipt of medical services ( Medical Debt ) and is not 365 past due. They allowed a customer care agent to represent the company and close my XXXX complaint and my dispute as being accurate when its actually not accurate at all. Because the medical debt is not past due it is not legally allowed to be reported on my credit report. I have a legal right to accurate credit report and the decision to put it on my credit report should not have been made by a customer care agent who is not familiar with the current medical debt laws
01/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • IN
  • 462XX
Web Servicemember
To whom it may concern my name is XXXX XXXX.My complaint is about being denied for personal loan in the amont of $ XXXX.From a company called LendingPoint .Date of the loan application XX/XX/2018.I sent personal information such as copies of my drivers license,2 months of bank statements, verification of employment and income and a voided check.This company told me there was and error on appication for my income which is {$36000.00} a year they told me that I needed an income of {$400000.00} a year to be considered for a loan for {$4000.00} at 2 year payment term.This company was inquire to me through XXXX for credit repair and debt consolidation. My credit score has dropped 50 points since this application process.I feel that this may possibly credit discrimination against myself.Date denied XX/XX/2018 no copy credit or income disclousure.My lending contact name was XXXX XXXX for Lendingpoint. Phone # XXXXXXXX.Thankyou sincerally XXXX XXXX
04/09/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 94089
Web
XXXX XXXX XXXX reported a collection to personal credit report last month .... Prior to that there was no notice of collection, letter, call or inquiry on this debt they claim is owed to them. Request for validation of debt came back with a simple print out stating that 24k+ was owed to them from the loan originated in CA back in 2017 at 29.66 % ... It is a known fact that CA statutory limit on personal loans is 10 % .... isn't this a usury? After disputing the accuracy of this account with the buraus XXXX XXXX groups responded with " full validation and confirmation of total accuracy of this account '' to all 3 CRAs However, could not produce signed contract, proof of origination, proof of any payments made on this loan in the past and no proof of personal identification that would prove they have the right person on this collections and who the original creditor/lender was besides the fact that this is originated in the state of CA ...
09/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 325XX
Web
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
05/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37921
Web
Received a notification of pre-qualification from the company and applied for the loan. Accepted terms and signed a contract for repayment. During the review the company asked for my banking user name and password to access my bank account, stated that it was for drafting the repayment. After I added my banking info, the loan was declined. The company improperly requested my banking info to draft payments ( after I provided them with my paychecks, bank statements, XXXX ) and then declined my loan. I have never in life had to provide my bank user name and password and I feel this is an improper and intrusive lending practice for loans from this company. If the loan was declined, then none of my banking information should have been requested, especially not my user name and password. This is a poor practice and the company needs to be sanctioned for using these practices if a loan is declined. Pre-qualified or pre-approved, alike.
05/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 480XX
Web Older American
I have been refinancing my mortgage and financial institution advised me not to make payment to Lending point this was going to close before next payment is due. However there was issues with my mortgage they didnt submit documents on time and I missed one payment with Lending point. I brought account current and I always make payments on time. I received message on acct stated that Lending point will remove this mark on my credit. They never corrected my credit. I just ask for one time courtesy. I am trying to refinance again and I cant complete because this mark on my credit reduced my fico score. In this difficult time dealing with covid, when everyone is struggle with making payments I am always on time and I dont understand why Lending point refused to work with me. I am asking to correct my credit and remove mark 30 days on my credit. If you need to speak with me, please email to XXXX or phone XXXX XXXX XXXX thank you
10/03/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • CA
  • XXXXX
Web
I have been going through financial hardship. I was approved to make payments for three mo ths on XXXX XXXX XXXX for XXXX XXXX and some change. My normal payment is approximately XXXXXXXX XXXX. Today I was charged the full amount. A mistake on their end. I tried reaching out but the customer service representative was indifferent. I am behind on rent. I pay XXXX a month which was supposed to get payed on the XXXX, this Friday. I am now overdrafted by around XXXX XXXX because of the companies irresponsibility. I asked for immediate pay of what is due to me and restitution in accordance with law and my agreement with the financial institution but was denied. So now I have no money. I'm negative about XXXX and wo t be able to cover rent Friday plus got no money at hand. How can I sue them for Mal-practice? They are quick to charge us late fees but when they mess up they won't stand up to it. Please help
02/27/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • XXXXX
Web Older American
I want your office to send my complaint number XXXX XXXX for Lending Point XXXX XXXX XX/XX/2023 because after I filed this complaint, LendingPoint keep calling and emailing me to pay {$2000.00} loan which's fake, I did not recognized and consented, they forged my signature ( I always signed my name with my middle initial ). False statements representation trying to collect money, I don't know and don't have loans with XXXX XXXX Bank and XXXX XXXX, I only have one loan with XXXX XXXX Mortgage for my house. You can check it with the Credit bureau. LendingPoint LLC reported me to the credit bureau and damaged my credit. On XXXX, 2023 I paid the {$2000.00} plus {$370.00} interest because they will accrue interest if I don't pay it now, this is a fraud, I want my money back. If you need more information please let me know. ( Please see attached copy of document I sent with my original complaint ).
08/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • PA
  • XXXXX
Web
I had a roof replaced on a house recently. Financing was approved. Not pre-qualified. Not pre-approved. But approved outright. I was on the call, and so was the roofing contractor. I asked him if there was any ambiguity that I may have missed, and even HE indicated that the financing was approved outright solid. He gave me permission to include him in the complaint. XXXX XXXX from XXXX XXXX, XXXX. He indicated that you can contact him, and he will verify this. XXXX XXXX made a business decision based upon their approval, and therefore I moved forward based upon that. Lendingpoint never, ever, contacted me with any indication other than being approved. They are now not releasing the funds, and it is putting everyone in a bind. Lendingpoint acted in bad faith. I acted in good faith, and so did XXXX XXXX. Lendingpoint acted otherwise. They need to follow through on the promise that they made.
08/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • XXXXX
Web
I applied for a loan with a company known as XXXX XXXX in an effort to start an online business. I was approved for XXXX. The Financing company was XXXX XXXX and their number is XXXX. After I got into the members area of XXXX XXXX I found that I didnt want to move forward with the project. I signed up XX/XX/2023 and wanted to change my mind XX/XX/2023. I called Lending Point XX/XX/2023 and asked if I could just return the XXXX and the representative said yes and that I had to reach out to the merchant XXXX XXXX. I also reached out to XXXX XXXX via telephone to make them aware as well. XXXX XXXX has refused to give the XXXX back even though I have sent numerous emails stating I dont plan on moving forward with them. XXXX XXXX told me they could not do anything as XXXX XXXX will not return the funds to have the loan cancelled out. I now have an attorney working with me in this matter.
07/11/2022 No
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NC
  • XXXXX
Web
On XX/XX/2022 {$160.00} was withdrawn from my company account with a description " PAYMENT LENDINGPOINT LLC XXXX XXXX XXXX ACH DEBIT ''. This was not an authorized charge on my account and I reached out to the company Lending Point who withdrew the money from my account and after a long conversation the man on the phone told me that there was no way for him to refund the money to my account and the best he could do was reach out to his accounting department to try and have them figure out if it was a typo or if they were given the wrong account number. This is absolutely ridiculous and they should not be withdrawing money from accounts without verification that the name on the account matches the name on the loan. Withdrawing money from the wrong account is fraud and they did not seem concerned at all that whoever had given them my account number had also participated in fraud.
04/19/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • TX
  • 76248
Web Servicemember
An app that I regularly use to monitor credit score, XXXX XXXX had a notification that I had a great chance of obtaining personal loan to consolidate credit through Lending Point. I completed the applicaton and was given approval. I signed the contract with the loan agreement which provided the APR, finance charge, and amount financed. The website asked for my bank account information to set up for ACH deposit of the loan and withdrawal for monthly payments. The date of deposit for the loan was suppose to be XX/XX/XXXX. The day before the deposit was scheduled to arrive, I receive email from Lending Point stating they couldn't grant the loan. This company did a bait and switch. They collected all my personal information, banking information, employment, and credit report which had score over XXXX and misleading customers by providing fake agreement and not honoring it.
05/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 92037
Web
I inquired online about a debt consolidation loan. They said Iw as pre-approved and that I just needed to move through some steps, so I did that. After I completed submitting the first round of information, a lady from the company called me. She said very clearly on the phone " we have the money waiting to transfer to you once you submit the additional documents. '' I am self-employed, so some additional bank statements were required. I could be wrong on the last few words of her sentence, but I know for a fact she stated very clearly that " the money is ready to transfer '' and tricked me into believing everything was good to go. I was then denied the loan after submitting the additional documentation and I feel very much like a victim of misleading techniques. Another representative who was " helping me '' has also been unresponsive when I inquired about this.
08/17/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • HI
  • 96814
Web
In was in process of selling home so the initial ach did not go through when initiated. I have tried multiple times per their emails to pay online. However the online platform WILL NOT ALLOW PAYMENT. It has processed subsequent payments but precludes me from paying online via the website. I don't see how they can force you to sit on hold for an hour and a half to try and pay something that you are told in writing can be done online. I even sent a final email to XXXX XXXX telling her the platform will not allow payment and I have yet tpo receive a response. Rather they prefer to retaliate by reporting me as being late simply for not going through and overtly burdensome process to almost seemingly discourage payment in order to report a consumer late simply to penalize me since this is such a burdensome process getting things corrected with these criminals.
02/26/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 20716
Web
I obtained a loan with LendingPoint to pay for dental work. I was told that this loan would be 0 % interest for one year. I gave them my credit card information to make the first monthly payment. I understood that the second monthly payment would go through the same way. LendingPoint failed to charge my card for the second payment and instead notified me that my payment had not been received. Upon receiving this information, I made the payment online and sent a message to LendingPoint about this misunderstanding. They never responded. They are now charging me a very high interest rate ( over 20 % ) as punishment for this payment they deemed late, while ignoring my attempts at communication. I feel that this is a predatory and usurious lending practice and at the very least I am dismayed by their blatant refusal to communicate with their customers.
08/30/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30022
Web
After my identity became compromised unauthorized accounts haunted my credit file. Not one of these accounts I authorized and got in business with, This account " Lending point LLC ", Im demanding it be blocked and immediately removed from my file. There's no agreement with this company, Lending Point LLC, in which you and/ or your companies can produce any written binding physical contract or / any other instrument of me agreeing to any business with the above companies. Therefore, please remove account immediately. 1 ) Lending Point LLC. Attached is the FTC provided various times to Lending Point. They are not willing to investigate the issue and deny with no reason. They continue to refer me to XXXX XXXX XXXX, a company they sold the loan off to before the end of this investigation and XXXX XXXX has already removed this fraud loan off of my credit.
02/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23225
Web
I received alert from XXXX XXXX of an inquiry from XXXX, XXXX and XXXX XXXX dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX
10/07/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 752XX
Web
I am hereby giving notices to XXXX XXXX XXXX XXXX and Lending Point LLC to Cease and Desist communication in regards to an alleged debt that is reporting onto my consumer report. The term communication Pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any written, oral or electronic or any other medium. Furnishing negative information on my consumer report is a form of communication. This is a formal notice to cease communication through ANY medium including my consumer report as it is a form of communication regarding an alleged debt. This is a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and my reputation has in fact been ruined in regards to this negatively reporting.
12/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 750XX
Web
My identity was stolen in XXXX and used to take out a loan with LendingPoint. Upon seeing the loan was taken out, I called them and they said they would open an investigation. After 30 days I received a missed payment letter, and upon calling they said the investigation was closed and I am liable. No one from LendingPoint Called me regarding the investigation. I sent over the police report and told them to look into it again. My account was given to another individual and I reforwarded him the police report as well as the FTC Identity Theft letter. I have emailed for follow ups on the investigation weekly and have received no response from LendingPoint in nearly a month. I have not been in contact with anyone in LendingPoints Quality Control department who is supposed to be investigating my account.
09/14/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem when making payments
  • AZ
  • 85737
Web
Ive been trying to log into my app and the actual website for weeks with no luck. Ive emailed the company 7 times with no response on the companys end trying to discuss my loan and my options for paying it off. No one has contacted me or reached out. This is extremely stressful given my current situation and super unprofessional not to answer someones messages when they are talking about XXXX dollars here. I feel its unfair to be giving money to a company that refuses to answer and put theyre customers first. I would look at the loan agreement to see my options but I CANT LOG INTO THE APP OR THE WEBSITE. I go to put in my user and password and hit log in and it doesnt work. Does not take me to a new page nothing. All responses to emails are automated so I havent spoken to a real person in weeks.
03/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92879
Web
Lending points negligence has caused my credit score to drop dramatically. I contacted the company to update my automatic payment as I switched banking institutions and my file was not updated. Due to their negligence, I am at a higher interest rate with a mortgage loan. Lending point referred me to XXXX XXXX in which they stated my account was sold and theres nothing they can do to update my file. Ive contacted XXXX XXXX and was working with XXXX XXXX in settling my balance with Lending Point. I was advised that lending point was the reporter of my file and XXXX XXXX can not update my credit report. Currently Im still showing a balance and monthly payment, in which it is affecting my debt to income. I am getting the run around and have disputed my file with XXXX with no resolution.
05/04/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 92869
Web Servicemember
I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On XXXX XXXX , 2017 someone tried to obtain a loan throu gh Lendingpoint. I was no tified from XXXX and they began an investigation. A few hours later I received a letter from Lendingpoint denying my loan because of my credit score, and various other reasons listed on my credit report. Not once did Lendingpoint reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear Lendingpoint ignored the fraud alert. I called Lendingpoint and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the i nquiry removed from my credit report.
10/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 63031
Web
I took out personal loan from LP on XXXXXXXX XXXX XXXX for {$10000.00}. I made in time payments on XXXX of month until XX/XX/XXXXXXXX XXXX I was contacted by XXXX XXXX in XXXX of XXXX that my interest rate was too high, and they could negotiate settlement and cut payment term years in half. I started making payments of {$270.00} on XXXX of each month to XXXX to the negotiation and towards settled amount when it was final. on XX/XX/XXXX, the amount of {$1000.00} was settled for $ XXXX of today, I have made on time payments to XXXX and @ ) XXXX has been paid to settlement amount. LP still reports wrong amount of {$10000.00} still active, and reports XXXX, 120 days late. I have repeatedly filed dispute with XXXX and XXXX XXXX, but LP still reports wrong amount and late payments.
06/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75035
Web
On XX/XX/XXXX my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As well as Lending Point/XXXX on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
09/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • TN
  • 37604
Web
I kept getting text messages and voicemails from a place called Lending Points at XXXX saying I was approved for a loan. I didn't apply with them but I did use the lender request sites and figured they were from them. They had my information and was sending me a form to fill out to my email. The agent on the line kept telling me to stay on the line with him and if I have any questions to contact him directly. I started getting red flags because that sounds off. I received the email and before clicking any links in the email. I checked the email address of the sender. The email was a XXXX address and I know that wouldn't be official. The sender was XXXX. I didn't do anything, hung up on the call, marked all the texts and phone calls as spam and came here.
09/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 183XX
Web
I am a victim of identity theft. It appears someone gained access to my personal information and opened a loan with Lending Point company. I had to terminate my checking and savings account with XXXX XXXX due to this identity theft because funds were being transacted via my financial institution without my knowledge or consent. Date of XXXX account termination XX/XX/23. I have spoken to a Lending Point representative over the phone and explained that my identity has been stolen and I did not apply for a loan with Lending Point. I have contacted the XXXX credit report companies and informed them of this identity theft. I am still getting phone notification from XXXX XXXX company currently. Please assist with possibly rectifying this serious matter.
04/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NC
  • 27858
Web
I have told LendingPoint on XX/XX/2019, to run my debit card payment i have on file because i would be out of town for three weeks and would not be able to check. This was very important they did this because im scheduled to close on my home equity line of credit on the XX/XX/XXXX which would enable me to pay them off and other bills to due the setback of Hurricane Florence and what is did to my family. Now im back in town and they have not only not taken the payment, they have reported it late to the credit bureaus and now i cant close on my home equity line of credit due to their negligence. This is not the first time they have done this and ive asked to speak to upper management many times and they tell me they will call and they do not.
07/20/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NJ
  • 07013
Web
I began XXXX XXXX back in XXXX of 2019 and right after I received my XXXX, I got a call from XXXX, saying I needed to pay for an accountant for the year. At the time, I did not know much about running a business so they sold me on paying for the year. When i told them i couldn't afford their costs, they offered to connect me with Lending Point which would allow me to make monthly payments. After a couple of months go by of me paying for this service and NOT using it, i realized I did not need this at all. To this day, I have not used the service once and because I struggled to make the payments in the second half of the year, it has negatively affected my credit score. I really feel like i should not have to pay this debt.
10/25/2018 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07030
Web
This company is claiming to be a third party debt collection agency for a debt that I owed to a different company for an Installment loan. I have hired a law firm to settle the debt with the original creditor. I have received many phone calls from a woman claiming that she can settle my debt for a fraction of the original amount. I have told her multiple times that I am handling this through a law firm and that I do not wish to receive calls from her any more. I have researched the company she claims to represent and have found many scam reports associated with her calls. She has also called my parents home number and my brother 's cell phone in attempts to get in contact with me after I have ignored the phone calls.
01/24/2022 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • AP
  • XXXXX
Web Servicemember
XXXX XXXX XXXX is acting on behalf of Lending Point LCC stating that I owe {$12000.00} and that an attorney has been retained to collect from me. It was reported that I have no responded to any requests for debt collection and that my wages will be garnished. I currently live in XXXX XXXX and am in the military. Ive never been contacted by any of these people for any reason prior to it being on my credit report. Ive contacted them numerous times to have proof provided of this debt and all numbers written on the consumer credit page just give a busy signal and all written correspondence has been returned to sender. These inaccuracies and derogatory remarks are false and harming my credit and potentially my job.
11/01/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • PA
  • 191XX
Web
Requested a personal loan through them. They asked for my banking login to make deposits and i was told to send the money back to them. My bank placed a 6 day hold on the deposits and when i called and told them that, they said they would handle it. Today, i was unable to log into my XXXX account and i called them and they said my account was closed due to fraud. I tried calling the number back and lending point asked for my name. I told them you got my account closed due to fraud and they hung up on me and then proceeded to block my number. I called from a private line and it keeps ringing and no one will answer. This was a scam all along and they need not to do business with anyone
10/03/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • TX
  • 78724
Web
This company only provides statements via their online portal and app. Their app and customer portal have both been inaccessible since XXXX with no email communication and no paper communication nor statements sent. This is an installment loan that I took out to receive XXXX treatment. As it currently stands, I have no idea how much I owe on this loan, I don't know when my introductory rate period expires, and I can't make any additional payments. I believe they are violating customer 's rights by not providing this vital information and by blocking early payoff requests. Hold times with customer service are extremely long and the representatives don't provide solutions or answers.
10/18/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • SD
  • 570XX
Web Servicemember
I am getting XXXX & will be on XXXX effective XXXX XXXX 2016 for XXXX days. I called the lender to verify they received the information & no one there is familiar with SCRA & how to apply the benefits to the loan. I submitted my XXXX on XXXX XXXX 2016 along with a request to provide the benefits to my loan. I had not received a response as of XXXX XXXX 2016 so my wife called to verify if they had been received. The representative informed her they received some paperwork from the XXXX but had no idea what SCRA was. He had never heard of it. He informed her a compliance manager would call her back. My loan id is XXXX. I would like to get this resolved before I leave the country.
09/22/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TN
  • 378XX
Web
I refinanced my home. The refinance included the payoff of a loan for Lending Point. The closing took place on XX/XX/2022, and Lending Point was paid days later. The Lending Point loan was overpaid by {$750.00}. I called Lending Point to request a refund of the overpayment on XX/XX/2022. I was told the refund would be processed in 7-10 days. It has been over three weeks - I have called several times since then ; there has been no explanation for why I haven't received my refund ( other than " we're busy '' ) and no solution has been offered. I believe this company is holding on to its customer 's overpayments/refunds in order to collect the interest for as long as possible.
01/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27858
Web
Ive been in an installment loan with Lending Point almost a year. Ive already had issues with them giving out my information to third parties, co-workers among other things. My issues are a signed a forbearance form, considering my area is declared a natural disaster, that my payments be defered until XX/XX/XXXX. Im in the middle of closing a home equity line of credit to pay Lending Point off. As of today, a 30 day deragatory remark is on all three of my credit bureaus which in essence has stopped my process with my home equity line of credit in regard to paying them off and also was completely deceptive in telling me what forbearance was given to me in the first place for.
01/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92109
Web
I sent letter to XXXXLENDING /Lending Point dated XX/XX/2022. The letter contained a NOTICE AND DEMAND FOR SETTLEMENT OF INQUIRY ON CONSUMER REPORT notarized and sent certified mail. Pursuant 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX ) I have not initiated any transaction with XXXX/LENDINGPOINT. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) XXXX/LENDINGPOINT for review or Collection. pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15U.S.C. 1681n ]. I disputed inaccuracies on my consumer file with all 3 major consumer reporting agencies on XX/XX/2022 with no response to my complaints or demands.
09/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • XXXXX
Web Older American
XXXX XXXX presented several offers regarding a loan so I looked at them. On XX/XX/2022, I received an email regarding a decision on a loan with Lending Point but I did not give permission to pull my credit report. XXXX XXXX did the same with credit card offers guaranteeing approval which was incorrect. On XX/XX/2022, I lifted the freeze on my XXXX report for another company and Lending Point pulled my credit while unfrozen XX/XX/2022. XXXX XXXX and Lending Point must work together to get customers for companies. I am a Identity Theft customers that lead me to freeze all the Credit Bureaus. In addition, any company should call me before any processing.
01/24/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • PA
  • 19464
Web
On or around XXXXXXXX XXXX XXXX I found out my identity was stolen and used to open up several accounts. At this time I contacted lending point who was one of these account holders ( XXXX XXXX ) sent them a copy of my FTC Identity Theft Report and informed them the information they are reporting is the result of identity theft, and I asked them to plz correct this fraudulent information by Removing any charges on this fraudulent account, and Closing the fraudulent account as soon as possible to which they have yet to do. I am still making payments on this fraudulent account to protect my credit score when I shouldnt have to.
10/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 757XX
Web
We have a active installment account with XXXXXXXX XXXX through green sky LLC we have made our payments on time every month for five years. Our sales rep has our credit card and has made our payments at the end of the month every month however, with green sky no longer in business. They have changed over to XXXX XXXX and they are not able to access or change our credit report to reflect the payments that were made for XXXX and XXXX dropping our score almost XXXX points right in the middle of buying a house. XXXX XXXX / XXXX XXXX for XXXX, and XXXX dropping our score almost XXXX points right in the middle of buying a house.
12/28/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • GA
  • 30075
Web
Was approved for a loan XX/XX/XXXX. Told until I had Till XX/XX/XXXX to give proper account information. Proceeded to give misleading and false claims or promises. Its on a recorded line that I was Promised my money would come through if I gave Them proper banking information. They now have four different accounts of mine theyve received information for and will not give me my money. Theyve been accruing my financial information and I have concerns they will abuse it. Theyve swindled numerous people into getting their credit pulled then prematurely throwing out applications just to get their bank information
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30127
Web Servicemember
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX -Acct # XXXX XXXX and XX/XX/XXXX,, XXXX XX/XX/XXXX, XXXX XXXX Acct # XXXX Lending Point- XXXX XXXX XXXXXXXX Dept of Education ( This was deferred and I was on XXXX XXXX XXXXXXXX has violated my rights. 15-USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer plan as late for any purpose. Thank You.
03/28/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08234
Web
My name is XXXX XXXX I have a loan out with Lending Point now its with XXXX XXXX XXXX XXXX XXXX Texas I been trying to get this collection agency to give me a statement on my account I have never received any debt collection from this company or the original loan company it is on my credit report I have tried to pay this loan Ive been sick with XXXX and trying to resolve this and debt Collection company will not release my information I have filed XXXX XXXX XXXX and report the FCC commission and trying to file a small claims with the state of New Jersey to try to get this paid can you please help me XXXX
01/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95758
Web
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.
05/31/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 902XX
Web
Do n't know, nor have I ever applied, signed ANY application for any loan from Lending point ... got a email saying that I had applied for a installment loan, and that I was declined!!! All this unbeknowest to me ... I sent a email to Lending Point letting them know that I had NOT applied for ANY credit installment loan, and that if they were reporting that to the CRA 's that I would be filing a complaint in XXXX XXXX Superior court for them erroneous reporting a inquiry to the CRA 's in violation of t he F.C.R.A. I have also filed a Identity Theft report with my local police station ...
11/05/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • GA
  • 30238
Web
Dear XXXX XXXX XXXX LENDINGPOINT XXXX XXXX, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from LENDINGPOINT. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon XXXX ( XXXX ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
06/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85750
Web
During rst week of XXXX 2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my XXXX, XXXX, and XXXX credit les and found that someone has been using my identity to obtain credit from several creditors. These creditors include the Lending Point LLC ( {$21000.00} ).
07/31/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • OH
  • 43613
Web
My wife applied for a medical health loan through XXXX XXXX XXXX. Her loan application was accepted. The problem I have is that I received an email from Lending Point LLC telling me that I was denied for a loan from them and I never applied for one. My wife applied solely in her own name. Apparently Lending Point, XXXX XXXX, XXXX XXXX and XXXX are all affiliate companies. I do have an account with XXXX XXXX and I am not sure how my information was shared between these companies, but, I do know that I never applied for a loan at all.
08/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • IA
  • 500XX
Web
I use XXXX XXXX to monitor my credit. I know that one of their partners is Lending Point. I see the ads all the time when Im checking my credit score/report. Today I received a credit score disclosure from Lending Point in my email. I didnt no apply for any of their products. I didnt not authorize XXXX XXXX to share my info and Im concerned that a loan was applied for with my personal information. I do not have a new inquiry on my report, but I have no way to contact either company to verify that no loan was taken out in my name.
06/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77016
Web
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, LENDING POINT used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. LENDING POINT reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
09/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30180
Web
I encountered an unexpected expense that became a priority in my budget. Consequently, I reached out to LendingPoint to establish a payment plan. After paying the necessary fees, I secured a reduced payment plan, reducing my monthly obligation to {$34.00} over a few months. However, starting in XXXX, I noticed XXXX bi-weekly interest-only payments of {$500.00} each, totaling {$1500.00}, were withdrawn from my bank account. This significantly exceeded my usual monthly payment and has severely strained my financial situation.
05/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • XXXXX
Web
I need an immediate phone call please from someone in the executive/senior level of Lending Point. I have been attempting to make a payment since the beginning of XXXX and because of Lending Point system failures, and staff unwilling to recognize their errors or their team 's, i I have been unable to do so. Lending Point also fails to deliver what is promised, and has passed my account continually to different individuals. They do not properly document or pass on information to the system or to each other.
03/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76039
Web
Recently My banking accounts where hacked and several loans online where opened, I have contacted the banks, obtained police reports and filed identity theft report. Most where removed except for one creditor. I provided them all the above documentation but they have not provided any verifiable proof of contractual agreement showing my signature. Credit report is payments are beng made but I haven't made one payment and they are contacting me trying to collect on an account opened fraudulently.
07/28/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MT
  • 595XX
Web
First they said I did n't make enough, that was a mistake, they told me to reapply, I reapplied, now there 's supposedly something on my credit report. The requirement is based on a credit score of XXXX and above based on experian credit reporting agency. My credit score as of XX/XX/2016 according to experian is XXXX with no negative accounts, I repeat, NO NEGATIVE ACCOUNTS. So at this point I am receiving rubber stamp denials by a company I do n't think really gives out loans.
12/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 64804
Web
I have requested proof of " consent '' from the referral source XXXX XXXX says that I gave and have not recieved it. I did not give my consent for them to have access to my personal data. By law they were suppose to provide this to me and they never did. Since they accessed my report and are showing up as an inquiry ; it is there responsibility to prove upon request they had my consent. They told me to reach out to the 3 credit bureaus but they are who should prove or delete.
03/17/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 782XX
Web
There are a couple of things that I have concerns with regarding Lending Point. Called my cell and developed right party contact and then called back with my employer number as caller ID Called my work phone with my employer caller ID Added over a {$300.00} dollar late payment on account, no statement available online Can't make a partial payment online Can't change when you want funds withdrawn online ( just day setting up payment ). No access to the loan agreement online
09/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10458
Web
There are billing issues on my credit report. According to Federal Law, consumer reporting agency should never consider any payment late under an open-end consumer credit plan. Furthermore , us. 15 1681 states that you are to exclude solely as to transaction between the consumer and the one making the report. U.S. 15 1681 also states that I have a right to privacy. You have violated my federally protected rights consumer rights and I plan on taking legal action.
09/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TN
  • 37128
Web Servicemember
all my extra payments is going to the interest of the loan.. none of it is going to the principal..I made an extra payment on XX/XX/2019 of {$100.00} at the time my balance was roughly {$9000.00} ... since then I made 2 more extra payments one for {$43.00} and the other for {$44.00} which I thought it all was going to go to the principal and it didn't ... .it all went to interest ... my balance is still {$8900.00} ... I will never get this loan paid off this way
04/24/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Improper use of your report
  • Reporting company used your report improperly
  • OR
  • 97229
Web
I went to the following website. XXXX XXXX XXXX XXXX . Looked at several pre-qualified offers and did not like any of them with insane rates of 30 % being offered so I did not apply. XXXX it seems sent my information to LendingPoint, LLC Telephone nu mber : XXXX . LendingPoint th en submitted an application without my consent. I called them and they told me there was nothing they could do to help and the credit inquiry would fall out in two years.
12/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 64086
Web Servicemember
I called in and asked if I could make principal payments and was told yes, started making extra payments and notice all of my payments were being applied to interest and not principal. When I asked for the reason today, I was then told the only way to pay principal is to call on the same day as the actual payment and tell them to apply them the extra amount to the principal. I incur interest each day and they do not allow me to make payments to principal only.
07/27/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 750XX
Web
Sent payoff in to payoff my personal loan. The payoff was received on XX/XX/21 but they waited to post the payoff after they received my ACH debit for the XXXX payment then paid the loan off instead of sending my monthly payment back. Lending point kept most of my money between the monthly payment and the payoff. I have all the documents to prove something isn't right with this loan transaction. Loan number XXXX. I would like my rightful amount returned to me.
02/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • DC
  • 20019
Web Servicemember
OmXX/XX/XXXX, I was online getting coupins, and several popups were being advertised in order to get the coupons. I anserred several questions, and closed the coupon app realizing it may lead to spam. XX/XX/, I received a deniel letter for an application I never applied for, so I sent an email to the XXXX, and explained the situation, and now I am receiving harrassing calls. I requested an investigation, and the removal of credit inquiry from my credit report.
08/23/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • TN
  • 38501
Web
Lending Point, XXXX and XXXX have all 3 sent me " loan denial '' letters. I HAVE NOT APPLIED for a loan with either of those companies and DO NOT want it to reflect on my credit score. I am having to rebuild my credit after going through a divorce and I do not need erroneous hits on my credit report. I have contacted all 3 companies and explained all the above to them. I would appreciate action being taken to remove these inquiries from my report. Thank you.
10/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • TX
  • 76040
Web
In XXXX of 2021 XXXX XXXX put a late payment on my account. This was an auto bill pay issue and they recognized this on their end because they closed the account then reopened it when I disputed the issue with an account manager. They sent me a letter saying they changed my billing structure on the account but never removed the late payment that was associated with the same issue. It just popped up on the two other bureaus and has greatly lowered my score.
08/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77063
Web
I have submitted several disputes with the credit bureaus to get removed late payments that have been put on my account. I have submitted proof of payments and now they have sent back that I am currently past due. This is so frustrating because they just took money out of my account two days ago and they have the audacity to say Im late on payments. They have no formal payment history or statements to provide to clients which is very shady from them.
08/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11236
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33012
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
12/22/2017 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • 77494
Web
I was severely affected by hurricane harvey. My business suffered and I was behind on some bills. I sent a partial payment and was late on the remainder. I was told by XXXX XXXX that I had 10 days to pay before the account was delinquent. I agreed to pay before the ten days. Two days after I was told this, with 8 days before delinquency, my co-worker received three phone calls in a day from XXXX XXXX at Lending point asking for me.
04/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30004
Web
I received an email from LendingPoint LLC, as shown below. I never applied for this company and I feel this is fraud and I want to report. Please let me know if you need any more information. XXXX XXXX XXXX " Credit Score Disclosure Exception for loans not secured by residential real property LendingPoint LLC Your Credit Score and the Price You Pay for Credit YOUR CREDIT SCORE Your Credit Score XXXX '' Source : Experian Date :
10/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • 10465
Web Servicemember
I currently have a personal loan with lending point. I had a late payment on my account which was reported to the credit bureaus. I am currently recovering from XXXX XXXX and in my recovery time I was unable to make the payment. I have proof of my recovery and I have contacted them and got no help. I received a phone call from my other credit cards regarding my payment being almost 30days past due, never did I from lending point.
01/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MN
  • 551XX
Web
I made payments to my loan in months advance and when ask how many months I've paid up to the customer service representative couldn't assist me. A supervisor never called me back after I requested a call back. This company does not give the customer a monthly statement, they are paperless but that doesn't constitute the electronic statement. Also this company doesn't give a detailed statement of interest rates or payoff amounts
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33614
Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
04/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • NJ
  • 070XX
Web
On XX/XX/2020 at approximately XXXX, I received a Credit Disclosure email from Lendinf Point XXXX LLC ( electronic mailing address XXXX ). The email included a report of credit score that was allegedly pulled from my credit report. I have not solicited business from the aforementioned company nor have I authorized them to pull my report. It concerns me because someone may have attempted a loan with my information.
09/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • TX
  • 79912
Web
On XX/XX/2020 at approximately XXXXXXXX XXXX I received a Credit Disclosure email from Lending Point LLC ( LendingPoint-NoReply XXXX ). The email included a report of credit score that was allegedly pulled from my credit report. I have not solicited business from the aforementioned company nor have I authorized them to pull my report. It concerns me because someone may have attempted a loan with my information.
08/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07103
Web
Hello, Have already called the creditor asking them to remove this late payment not abiding by what I have requested. They have also violated my consumer right, because they never gave me an option to opt out from reporting to third party, I mean the law 15 U.S code 6802 I was reported as late for the month of XXXX, XX/XX/XXXX and XX/XX/XXXX. Account Name : XXXX XXXX Creditor : LendingPoint Loan Number : XXXX
10/26/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90043
Web
In accordance to the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 ( a ) Section 2 it also state a Consumer Reporting Agency can not furnish an account without my writing instructions under 15 USC 1666b a creditor may not treat a credit card account under and open consumer credit plan as late for any purpose.
09/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28412
Web
Lending Point LLC and XXXX XXXX contacted me stating I was preapproved for a personal loan as of today XX/XX/2023. They stated all I had to do was accept the terms and sign the loan agreement. They stated since I was already approved they would not be doing a hard credit pull. After agreeing to the terms and signing the contract Lending point did a hard credit pull reducing my credit score even further!
01/31/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 70131
Web Servicemember
I contacted Lending Point on XXXX XXXX, XXXX XXXX and XXXX XXXX requesting them to comply with Louisiana law that limits creditor interest rates for XXXX XXXX service members in Louisiana ( LA RS 29:312 ). I provided the portion of the law ( the piece of paper ) that shows the law and requested to have an interest rate reduction and Lending Point denied to comply with Louisiana law.
11/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 366XX
Web
Lending Pt. Sent account to XXXX prime to collect they found out account was related to fraud and was not mine and dismissed it and I have been trying to get it removed for two years and have sent in all the proper documentation and XXXX and experian still will not remove the account when they actually creditor doesnt even have a file for me and Im demanding its removed immediately
09/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Report provided to employer without your written authorization
  • NC
  • 27526
Web
On XX/XX/21 I received an email from : XXXX XXXX c/o LendingPoint LLC Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Telephone number : XXXX This company 's email said they had checked my credit and were denying me for a loan. It said they had gotten my info from XXXX. I NEVER applied for a loan through any company, nor authorized anyone to run my credit.
10/11/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37167
Web
According to UCC subsection 3-401 a person is not liable for an instrument unless the person signed the instrument or the person is represented by an agent or representative who signed the instrument. They never gave me the right to dispute the debt, I have already disputed this with the credit and the company I demand the items be removed from my consumer report immediately.
01/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94591
Web
LendingPoint ruined my credit which has caused me great financial harm because they have refused to correct my credit report after they offered me a Loan Forgiveness of $ XXXX after I made a large payment and they reported it as a debt settlement and now they are reporting me as over 60 days late. I was unable to do a refinance on my own because my score plunged over 100 pts.
05/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • TX
  • 75218
Web
got a call from lendingpoint they promise to get me a loan XXXX.upon checking my credit they said that i was approuved, later they ask for my XXXX XXXX XXXXXXXX password . then they ask for my XXXX statement. everything was submitted. never got this loan they used unfair and discriminatory practices, collecting password, doing hard inquiry, pulling credit report and so on ...
06/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • 70454
Web
This account ( XXXX XXXX XXXX XXXX ) first reported to my credit report on XX/XX/2015. It has been XXXX years since this account reported. As the FCRA states that accounts XXXX years or older musut be removed from your reports. I will fill a complaint with the CFPB as well. This account by law needs to be removed. XXXX has not removed this information as well.
12/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77079
Web Older American
Applied for a personal loan with several companies in XX/XX/2022 XXXX of the companies was Lendingpoint LLC. Did not accept their loan offer. Never signed any loan documents. Never received any loan funds. This company is now claiming I have a loan with them and it is delinquent. Disputed twice through the credit bureau. This is complete fraud.
03/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • FL
  • 33161
Web
Lendingpoint LLC offers financing to XXXX sellers I applied for financing for my XXXX store on XX/XX/XXXX and was approved for a loan. I paid the loan off within 6 months though I had 36 months to pay. I reapplied for another loan on XX/XX/XXXX and was denied due to too many inquiries which were on my credit report when I applied back in XXXX.
11/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 152XX
Web
On XX/X/17 I received an email from LendingPoint LLC stating that my application for a loan had been denied. The email contained numerous pieces of personal information including my name, home address, and credit score via XXXX. I have never sought a loan from this company and have never authorized any hard credit pull of my account by them.
04/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 117XX
Web
On XX/XX/2023 Account Name XXXX XXXX Account # XXXX Date opened XXXX COMPANY SOLD : XXXX Status : Discharged through XXXX XXXX XXXX/Never late. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 765XX
Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
08/20/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30331
Web
I am a victim of identity theft and I have been disputing information without knowing my true rights as a consumer. Per the FTC as a victim of identity theft the furnisher must delete and I have supplied the letter Notice to Furnishers. Per the Notice of Furnishers Information they must comply because of the inaccurate information.
06/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • IL
  • 60115
Web Servicemember
NOTICE OF DISPUTE I AM WRITING THIS LETTER TO GIVE NOTICE OF DISPUTE AND TO DENY ANY AND ALL DEBT XXXX XXXXXX/XX/XXXX, LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i HAVE SENT THEM CEASE & DESIST LETTER AFTER THEY FAILED TO VALIDATE THE ALLEGED DEBT
11/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • XXXXX
Web Older American, Servicemember
Lendingpoint LLC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This company has reported a supposed debt of {$14000.00} to the credit report in my name. I have never had any accounts with them. I called them and talked to XXXX. She informed me they have no account in my name. Account was opened XX/XX/2022.
08/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33311
Web
I wish to have all credit cards accounts removed from my consumer report account that's share my personal experiences threw third party public traffic. 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information 15 U.S. Code 1681
09/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28376
Web
I was searching through XXXX XXXX for some personal loans just looking, when I received a email around XXXX about a credit inquiry concerning my credit report from these lenders XXXX XXXX XXXXXXXX, I did not authorize them too pull my credit. They ran my credit at XXXX on XX/XX/18, please dispute this.
03/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 37013
Web
I received my credit report and found an inquiry from this company. I did not apply for credit with this company nor did I give authorization for them to check my report. I believe this inquiry to be fraudulent and I request that it be removed. The inquiry is reported as : LENDINGPOINT on XX/XX/2021.
05/25/2022 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • WI
  • 53150
Web
My loan was for {$2000.00} starting in XX/XX/2022, I have made payments in the amount of {$1800.00} and {$200.00} which should pay off the loan. But they are still asking for more payments. Their contract also stated they would refund me the interest if the loan was paid in full ahead of schedule.
09/30/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MT
  • 595XX
Web
Quoting them, your first loan application, the data entry person hit the wrong key. I reapplied, the soft pull indicated that your credit report exceeded their pre-set limit of number allowed credit inquiries. No win circumstances. Next, it will be because of XXXX. XXXX ca n't win.
04/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 36109
Web Older American, Servicemember
Someone did a hard inquiry on my credit XXXX XXXX and it says there is an installment loan but it does not belong to me! I tried to call the company listed and if the and it belongs to a rewards program and there is an automated message and then it hangs up.
05/17/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33020
Web
Upon reviewing my personal credit report, I noticed accounts that I do not own were opened in my name. I noticed fraudulent accounts and inquiries that I did not authorize on my credit report and it is preventing me from receiving credit and housing.
12/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 483XX
Web
My payments are not being applied to principal according to online reporting. I spoke to representative regarding the issue over a week ago that told me an accountant would review it and reach back out to me. I have not heard back from anyone.
10/02/2020 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
02/26/2023 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • XXXXX
Web
" If you don't pay your overdue balance immediately, we will have no choice but to report your delinquency to the credit bureaus, which could seriously harm your XXXX XXXX and prevent you from obtaining loans or credit in the future. ''
12/14/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • OR
  • 975XX
Web
XXXX XXXX XXXX have refused to allow me to seattle the account. I have provided all info for a medical hardship to seattle the account which they have refused. I have spoken with a XXXX XXXX she has been hostile and refusing to resolve.
03/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • CA
  • 92129
Web Servicemember
I applied for a loan online, the company lending point said my credit score was XXXX using XXXX. I know for a fact my credit score is over XXXX because I just checked it. I think they are attempting to charge me a higher interest rate
08/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07307
Web
I did resolve this with the company and received written confirmation that it was resolved in my favor. The institution is not honoring this and taking interest charges on a loan that is in the zero interest promotional stage.
02/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07002
Web Older American
never did any business with this company, had all my id 's stolen from my apartment in 2019 keep having problems with identity theft, social security denied giving me new social security number which would solve this problem.
07/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MO
  • 652XX
Web Older American
I applied for a loan several weeks ago. I have never received any loan paperwork, so I assume they denied it. But I also have not received a letter explaining the denial. So I need either loan or the reason they denied it.
02/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10458
Web
Lending Point LLC accessed my XXXX consumer report without my authorization. I never gave this company authorization to acces either reports. I also sent a notice to dispute for unauthorized credit inquiries through mail
11/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NJ
  • 070XX
Web
One of three credit bureaus reported that has been not removed by Lending Points unresolved yet ( XXXX ) because debt management settlement program has been working on negotiation teams with them but not settlement yet
02/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 757XX
Web
They told me they was going to send me loan money XXXXXXXX XXXX but and they deposited money IntoXXXX my account and few days later it comes back and bounces leaving me negative and having a return fee
09/23/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • TX
  • 79928
Web Servicemember
On XX/XX/2023 I requested to revoke ACH automatic withdrawal. I called twice and was informed banking info was deleted. On XX/XX/2023 and XX/XX/2023 the company continued to send ACH withdrawal
02/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90805
Web
I have 3 credit inquires that did NOT come from me. The days are XX/XX/22 for all three. 1. Lendingpoint llc Phone # XXXX 2XXXX XXXX PHONE # XXXX XXXX. XXXX XXXX XXXX Phone # XXXX
03/15/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92126
Web Older American, Servicemember
On or about XX/XX/2018, I was alerted by XXXX Credit Bureau that I had a collection debt in the amount of {$13000.00}. This collection debt was reported by XXXX XXXX XXXX.
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19138
Web
The accounts I am speaking about today has failed to verify any alleged debt. They also furnished my credit report without my written consent. Pursuant to law 15 USC 1681.
04/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 704XX
Web
At the XXXX website, there is an entry for a hard inquiry by XXXX on 2021-XXXX that I did not authorize. The XXXX website does not seem to allow for this to be disputed.
05/15/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • XXXXX
Web Servicemember
Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
03/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • SC
  • 29803
Web
I have filed a dispute in regards to it incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
08/23/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OR
  • 97330
Web
This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.
03/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33319
Web
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
02/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 971XX
Web
I've tried to make payments other than the monthly amount to pay down the principle amount on the loan and yet they still ( annex ) the interest.
06/04/2019 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77079
Web Servicemember
Account was sent to collection company without notification. That collection company is now trying to collect twice the amount owed.
05/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • 70454
Web
this account is not mine. I contacted the creditor as well as sent them a copy of police report stating my information was used
09/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33023
Web
I have multiple loans under my name that were not open by me. I have already reported this issue to the federal tax XXXX.
08/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 088XX
Web
I have no knowledge or affiliation with and would like to have these accounts DELETED from my credit IMMEDIATELY
04/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19027
Web Servicemember
Affidavit of truth sent to company listed on promissory note. Does not match company on consumer/credit report.
03/26/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • WA
  • 989XX
Web
I paid lending point in full and they have not updated my credit report for XXXX and I ca n't get ahold of them
09/25/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • MO
  • 64014
Web
The company Lending point only requires a XXXX score my score is a XXXX points higher and they declined me.
11/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 27565
Web
I never authorized these XXXX companies the rights to pull my credit. I don't recognize any of them.
03/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • VA
  • 240XX
Web
I applied for a credit repair loan instead of getting loan they went into my checking and took money
06/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30338
Web
I am a victim of identity theft remove this immediately
01/26/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 240XX
Web Older American
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33712
Web
01/22/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • OK
  • 73003
Web
01/16/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07042
Web
01/12/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • TX
  • 75068
Web
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28590
Web
01/08/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • HI
  • 967XX
Web
01/08/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • RI
  • 02816
Web
01/07/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • MI
  • 48185
Web
01/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19018
Web
12/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • WI
  • 53538
Web
12/29/2023 Yes
  • Credit card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • NC
  • 28110
Web Servicemember
12/27/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • MD
  • 21144
Web
12/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92116
Web
12/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NH
  • 038XX
Web
12/18/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33076
Referral
12/12/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • NY
  • 14464
Web
12/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33301
Web
12/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SC
  • 29730
Web Servicemember
12/02/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 27616
Web
11/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27617
Web
11/25/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91977
Web
11/21/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48642
Web
11/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48237
Web
10/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DE
  • 19805
Web
10/23/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • 76092
Web Older American
10/18/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • MN
  • 54650
Web Servicemember
10/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37406
Web
10/17/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • GA
  • 30060
Web
10/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • GA
  • 30345
Web
10/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 02132
Web
09/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90078
Web
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77450
Web
09/16/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • FL
  • 34119
Web Older American
09/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • MT
  • 59901
Web
09/13/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with additional add-on products or services
  • TX
  • 77407
Web
09/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Earned wage access
  • Issues with repayment
  • MI
  • 48021
Web
09/05/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35749
Web
08/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95831
Web
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32837
Web
08/14/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60451
Web
08/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60628
Web
07/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29204
Web
07/12/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48911
Web
06/15/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 61760
Web
06/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • FL
  • 33178
Web Servicemember
06/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • PA
  • 19138
Web
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28052
Web
05/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27262
Web
05/26/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • AZ
  • 85054
Web
05/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75071
Web
05/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 93063
Web
05/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48224
Phone Older American
04/28/2023 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85041
Web
04/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 95066
Web
04/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33916
Web
03/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95747
Web
03/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29625
Web
02/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30363
Web Servicemember
02/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48051
Web
02/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33181
Web
02/01/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CT
  • 06906
Web
01/26/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • CA
  • 90301
Phone
01/25/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MO
  • 63129
Web
01/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 91505
Web
12/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • GA
  • 30314
Web
12/09/2022 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33131
Web Servicemember
12/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30277
Web
12/03/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31407
Web
12/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19138
Web
11/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30127
Web Servicemember
11/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33770
Web Servicemember
10/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32927
Web Servicemember
10/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30035
Web
10/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75104
Web
10/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90732
Web
10/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 35210
Web
10/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35405
Web
09/30/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33023
Web
09/28/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30345
Web
09/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • KY
  • 40511
Web
09/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • CA
  • 94121
Web
08/31/2022 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MD
  • 20879
Web
08/30/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30345
Web
08/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 07041
Web
08/06/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 65340
Web
08/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 94531
Web
08/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 75254
Web
08/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 98032
Web
08/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92606
Phone
07/26/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TX
  • 77384
Web
07/25/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90201
Phone
07/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33467
Web Older American, Servicemember
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33139
Web
07/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 92618
Web
07/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MS
  • 39752
Web
06/28/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11249
Referral
06/22/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • AZ
  • 85208
Web
06/09/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CT
  • 06615
Web
05/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Didn't receive services that were advertised
  • OH
  • 44120
Web
05/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85303
Web
05/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • FL
  • 32808
Phone
05/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34211
Web
05/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Didn't receive services that were advertised
  • NC
  • 27715
Web
05/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NY
  • 10954
Referral
04/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75126
Web
04/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 36092
Web
04/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70065
Web
04/02/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 22124
Web
03/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92066
Web
03/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30213
Web
03/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 94806
Web
03/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30533
Web
03/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 44313
Referral
03/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 76016
Web
03/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60629
Web Servicemember
03/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77379
Web
02/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90277
Phone Servicemember
02/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • VA
  • 20176
Web
02/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 30350
Web
12/17/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • FL
  • 32507
Phone Older American
11/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MS
  • 39503
Web
11/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60615
Web
10/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30102
Web
10/17/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MO
  • 63303
Web
10/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OR
  • 97218
Web
10/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48068
Web
09/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 38016
Web
09/28/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • ID
  • 83442
Web Servicemember
09/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MN
  • 55412
Web
09/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33461
Web
09/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33606
Web
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 35214
Web
08/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28214
Web
08/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • PA
  • 19067
Referral
08/24/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AK
  • 99615
Web
08/13/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 14305
Referral
08/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30345
Web
07/29/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • TX
  • 75181
Web
07/23/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90025
Web
07/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NJ
  • 07465
Referral
07/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30126
Web
06/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • PA
  • 19426
Web
06/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85225
Web
05/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 46224
Web Servicemember
05/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 15148
Web
04/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85747
Web
04/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 15148
Web
04/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30126
Web
03/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • AL
  • 35214
Web
03/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 93011
Phone Servicemember
02/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30024
Web
02/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • IL
  • 60630
Web
12/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30281
Web
10/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NV
  • 89117
Phone Older American
10/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NC
  • 27587
Web
10/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07093
Web
09/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CA
  • 94609
Postal mail
08/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • ID
  • 83338
Web
06/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21136
Web
06/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76209
Web
05/11/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33025
Referral
05/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • IL
  • 60625
Web
04/28/2020 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • 75027
Web
04/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 17547
Web
04/13/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90057
Referral
04/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WY
  • 82001
Web
03/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
Phone
02/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 37762
Web Servicemember
01/23/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
Referral
01/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 91101
Web
12/27/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33024
Referral
10/31/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 61523
Referral
08/06/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33016
Referral
06/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 90066
Web Older American
06/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • WA
  • 99208
Web
06/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 91786
Web
05/06/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33177
Referral
04/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NC
  • 28376
Phone Servicemember
03/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91342
Web
11/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • NC
  • 27705
Web
09/12/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
Postal mail
08/06/2018 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 74101
Web
07/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
Phone
07/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • AL
  • 35007
Web
07/03/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48174
Fax
06/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 32832
Web
02/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • UT
  • 84115
Web
09/26/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 33027
Postal mail