Round Up Ventures, L.P. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 756XX	Web
Complaint Against Lendly for Reporting Negative Information on Credit Report and Failure to Provide Notification of Charge Off Dear Sir/Madam, I am writing to file a formal complaint against Lendly regarding their handling of my debt and their failure to provide necessary communication and documentation. Lendly has reported negative information on my credit report without any notification of the charge off, and despite multiple attempts to contact them regarding the debt, they have failed to respond to any of my concerns. As per my records, I attempted to reach out to Lendly via email on multiple occasions to inquire about payment options and resolve the outstanding debt. These emails were sent on XX/XX/XXXX and XX/XX/XXXX respectively. However, I did not receive any response from Lendly. Furthermore, on XX/XX/XXXX, I sent an email to Lendly informing them that a debt collector, XXXX, had contacted me and harassed me. I explicitly requested to file a complaint and for Lendly to refrain from contacting me again due to the threats. I also requested a payment arrangement, but Lendly did not respond to this email either. Subsequently, a new creditor named XXXX took over my debt without any prior notification from Lendly regarding the charge off. It was only through communication from the new collector, XXXX, via email that I became aware of this transfer. Furthermore, on XX/XX/XXXX, I sent a request to Lendly to verify the debt. Despite my persistent efforts to resolve this matter, Lendly has been completely unresponsive. It is important to note that Lendly did not send me any billing statements via USPS or email prior to charging off the debt, nor have they provided me with a 1099 stating that the debt was charged off. This has led to significant confusion and frustration on my part. I believe that Lendly 's actions are in violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) laws and statutes. Under the FCRA, specifically section 623 ( a ) ( 8 ), it is required that a creditor provides written notice to the consumer before any information regarding charge off is reported on their credit report. Lendly has failed to fulfill this obligation, and as a result, negative information has been reported inaccurately. Additionally, under the FCRA, section 623 ( a ) ( 1 ), a creditor is responsible for providing a statement to the consumer indicating that the debt has been charged off and for sending a 1099 form if the debt is reported to the Internal Revenue Service. Lendly 's failure to provide these notifications is a clear violation of the FCRA. Furthermore, the CFPB has established guidelines to protect consumers from unfair and deceptive practices by financial institutions. Lendly 's lack of response, failure to communicate, and failure to provide necessary notifications constitute a violation of these guidelines. Therefore, I demand that Lendly immediately remove the negative information they have reported on my credit report. I also request that Lendly fulfill their obligations under the FCRA and the CFPB laws and statutes by providing written notice of the charge off, a 1099 form, and communication regarding the outstanding debt. I appreciate your attention to this matter and look forward to a prompt resolution. Enclosed with this letter are copies of all relevant documentation and correspondence for your reference. Please do not hesitate to contact me if you require any further information or if additional documentation is needed. Thank you for your assistance in this matter.
04/27/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85224	Web
I get a call from XXXX XXXX to call XXXX XXXX XXXX something about paperwork for me to sign. That never came it was supposed to come between XXXX today. This company dont know XXXX XXXX XXXX but he sure knew them he calls from private number. He gives number to call XXXX XXXX the other number to XXXX XXXX is XXXX ( XXXX ) XXXX. I spoke to XXXX with XXXX today he was rude and antagonistic and aggressive. I hung up on him at first to call original creditor lendly and then got referred to XXXX XXXX they referred me to XXXX. Well I call XXXX back after verifying that. He asks about notices sent to me dont recall anything by mail, and he dont know nothing of this XXXX server no show guy but XXXX sure XXXX them. XXXX demanded immediate payment by debit card and he would send paperwork to stop next step in process what that is they dont know maybe wage garnishment anything really depending on law. With out immediate debit card and signature on some e docs right that second they will consider me not willing to resolve the account ( despite me telling them I was busy and couldnt get them that info right that second ). I think I received something from united maybe but not this XXXX place. XXXX wouldnt send me payment plan paperwork with out debit card up front. They asked who I bank with same bank as when I got the lendly account XXXX snarked back thats surprising. Also according to XXXX if I kept track with my creditor or something like that this wouldnt happen ( after i informed about seeing if it was a scam ). XXXX was upset and loud and XXXX and sounded mad about me hanging up on him earlier to check to see if this was legit he kept being obnoxious repeatedly oh its not a scam we got your info ( ya scammers can get that ). I told them because they didnt want to give much info. Kept demanding immediate payment and signature on XXXX docs after getting my debit card first that maybe I should look at a lawyer or file complaint with ftc he hollered what lawyer I said maybe XXXX look at getting one or filing with ftc he immediately disconnected. Lendly number ( XXXX ) XXXX XXXX portfolio number XXXX The number to XXXX and the XXXX office is in report.
06/13/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 34787	Web
I sent a Complaint on XX/XX/XXXX regarding Lendly XXXX XXXX XXXX XXXX XXXX Bank XXXX The information that is on my XXXX account is listed as XXXX. Also the balances does match XXXX nor XXXX. On XXXX they have the Last date of activity as XX/XX/XXXX and the last payment date listed as XX/XX/XXXX. On XXXX they have the last date of activity as XX/XX/XXXX and the last payment is XX/XX/XXXX. My apologies for including XXXX in the matter but they are not listed on that account. If this account was charged-off/ written off I would like to receive a XXXX form from this bank to my home address since that would mean that they had to report to the IRS. This installment loan was being paid bi-weekly direct deposit from my job, Therefore this gave me the understanding that it was an online payday loan. They will not allow clients to make monthly payments like regular installment loans. They make u add their banking account information ( checking account & the amount to pay ) to your Employer payroll so they can receive payment via direct deposit. On XX/XX/XXXX I refinanced a loan with a balance of {$1200.00} and was making bi-weekly payments of {$73.00}. On XX/XX/XXXX was the last {$73.00} payment with a balance of {$1100.00}. On XX/XX/XXXX they transfer out the account with a balance of {$2400.00} ( principal ). For some reason they were still receiving payments of {$3.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX they wrote off the account reference code XXXX. I received a letter stating that the balance was {$1400.00} as of XX/XX/XXXX. My original loan was at an annual percentage rate of 98.60 % and I was to make 25 bi-weekly payments for {$1000.00}. I have received XXXX letters from Debt collectors requesting me to pay and I informed them to validate it, since then I have stopped mailing me. They will not place this in comments on my credit report as a dispute because I did not go through the credit bureau to get them to correct their records.
05/26/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 361XX	Web
Hi, I have an account with Lendly. Ive been in consistent contact with different agents. The earlier part of XX/XX/2023, which was my last payment, I was told by your agents that Lendly made big changes such the number of days accounts would default, instead of an account defaulting at 65? days, it would 90 days. I was further advised that my account had not quite approached 65 days. I remitted a payment via phone with agent and was told that my account was back in good standing. On XX/XX/2023, I contacted Lendly again to make another payment. At that time, I was advised that my loan had defaulted and sent to a third party collector. I advised the agent that that was not the information I received earlier this month. I was placed on extenddd hold with both agents as to research the matter. They were unable to determine the status of my account, so they promised me that a supervisor would look into the matter. It has been 2 days since hearing from anyone regarding my account. I wish to at least pay half of my debt and since having XXXXXXXX XXXX XXXX XXXX XXXX, I managed to prevent the account from defaulting l, but disappointed by the inaccurate information provided by your agents as it relates to payments, supposedly changes in default terms etc. Can someone please contact me to inform me of my account status as I would like to pay at least half of my remaining loan amount. My work schedule is XXXX XXXX XXXX. ( XXXX ), Im available XXXXXXXX XXXX XXXX XXXX. Contact number is XXXX. Sent from my XXXX XXXX
01/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77073	Web
In XXXX of XXXX, I changed bank accounts and I sent the information to Lendly before my XX/XX/XXXX payments were due. Lendly never completed the request. I called numerous times, before the due date of my first payment to address the issue and no one was able to assist me with the change until XX/XX/XXXX. I emailed the information over AGAIN on that date and the request still was not completed. Upon speaking to a Rep, the Rep stated that the payments were reversed and that they do not know why the XX/XX/XXXX payments were reversed and then wanted me to pay {$190.00} and my current payment that was due, all in one lump. But I did not feel that was fair, due to Lendly not updating the information when I sent my new bank account information in XXXX of XXXX. It was not my fault that the payments were reversed either, after the fact that the new bank account was entered in XXXX XXXXThe Lendly rep at the time stated to me on a RECORDED LINE that interest is not accrued on late payments, but I guess that was not true, because now I have made XXXX payments of my XXXX and they are stating that I have XXXX more payments, because of the mishap in XX/XX/XXXX. The interest is from XXXX till now and it keeps going up, even though Lendly has admitted that the mistake was on their behalf. I stated to them I should not have to pay late fees on a balance that was caused by them not completing their job of entering the updated bank information. It appears intentional, because the balance is caused by Lendly neglect.
11/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77382	Web
I received an offer by mail from Lendly ( XXXX ). I accepted the offer and was approved instantly online. I was provided several different loan options. I made my selection and was then provided with a link to verify my checking account and deposit information. The link did not work correctly. I reached out to their live chat and spent over an hour trying to enter passwords and account information. Finally I was told they had IT issues with the account verification process and were hoping to get it fixed soon. My only other option was to manually upload the documents. I logged out and then logged back in and was not able to access anything. I clicked on the account information link and learned my approved loan was changed to denied. I called them to confirm if this was correct and they said yes I was approved for the loan but they changed the decision. My complaint here is, when a loan company approves someone for a loan, they should not be allowed to cancel the loan after an official approval has been provided. I wasted an hour of my time today on this pathetic company. I understand the difference between a pre-qualified vs a pre-approved loan offer. In this case it was an approved loan with an offer made by the lender which I accepted and they then denied.
04/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WA 98087	Web
I made a payment on XXXX with XXXX XXXX XXXX, who services a loan I received through Lendly with XXXX XXXX Bank as the lender. I contacted both Lendly and XXXX XXXX Bank to cancel this payment which is scheduled for XX/XX/ by calling the number as directed at the time I made the payment. The prompt indicated I had until XXXX XXXX XXXX XXXX today, XX/XX/, to cancel this payment. I made calls at XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, only to be told that there is no record of the payment, and that " it takes a few days to show up in their system ''. Having done everything I could, I was still unable to cancel this payment using the directions provided by XXXX XXXX XXXX and Lendly. This is ethically dubious behavior on the part of Lendly, XXXX XXXX XXXX and XXXX XXXX XXXX. If an individual is able to schedule a payment online, they should be able to cancel said payment. If an individual is told to call into a specific number to cancel a payment, they should be able to do so, not be told that the payment has not shown up in their system and as a result nothing can be done. Now the payment I wanted to cancel, within the parameters set forth by Lendly ; and XXXX XXXX XXXX and XXXX XXXX Bank as agents of Lendly is unable to be cancelled.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27587	Web	Servicemember
The following companies are not following the FCRA laws and rules regarding reporting late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exceptas otherwise provided in this subcha pter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that 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.
11/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98208	Web
Lendly LLC issued a fraudulent loan through XXXX XXXX XXXX on XXXX in my name for the amount of {$1000.00} without my permission. I learned about this from a debt collector - XXXX XXXX XXXX , XXXX on XX/XX/XXXX of this year. The debt collector claims I owe {$1700.00} and has reported this fraudulent account to the credit agencies. XXXX XXXX XXXX shows as the 'current creditor ', XXXX XXXX XXXX shows as the 'original creditor '. I have NEVER done business with Lendly. I have never done business with XXXX XXXX XXXX or XXXX XXXX, XXXX. I did NOT authorize any such loan and it is clear a crime has been committed by using my information fraudulently. I filed a FTC fraud claim against Lendly on XXXX. I mailed XXXX XXXX XXXX a letter requesting a debt verification investigation on XXXX. I filed a police report with the XXXX County Sheriffs Office on XXXX, case number XXXX. I am mailing have mailed the FTC Identity Theft Report and dispute letters to XXXX XXXX, XXXX and Lendly LLC on XXXX.
12/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95206	Web
In XX/XX/2023, I disputed and submitted complaints in regard to a fraudulent loan debt on my credit report. After providing evidence that my identity had been stolen for almost XXXX years and that I was granted a confidential name change, Lendly closed the loan as fraudulent and removed it from my credit report. Lendly had sold the debt to XXXX XXXX XXXX who was also reporting the same debt, this too was removed. However, the debt is now being reported again by another company called XXXX XXXX XXXX which is an affiliate of Lendly. After Lendly sent me a letter stating they closed the account and would stop reporting, the debt was then sold to another company that is now reporting it. This is unacceptable and unlawful to report a debt that was documented as closed and fraudulent.
12/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95206	Web
In XX/XX/2023, I disputed and submitted complaints in regard to a fraudulent loan debt on my credit report. After providing evidence that my identity had been stolen for almost 10 years and that I was granted a confidential name change, XXXX closed the loan as fraudulent and removed it from my credit report. XXXX had sold the debt to XXXX XXXX XXXX who was also reporting the same debt, this too was removed. However, the debt is now being reported again by another company called XXXX XXXX XXXX which is an affiliate of XXXX. After XXXX sent me a letter stating they closed the account and would stop reporting, the debt was then sold to another company that is now reporting it. This is unacceptable and unlawful to report a debt that was documented as closed and fraudulent.
08/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	IN 46410	Web
Hello, I was in need of additional financial assistance so I took out a personal loan. What I was not aware of is lendly.com is just another predatory lending company. I was given a loan for {$2000.00} but when it is paid off this company is going to receive {$7100.00} with an interest of 184.49 %. It felt initially like I was being helped with this company, but now I am in a debt trap. I've asked to refinance to try to get a lower rate, but was denied that option. A loan company getting everything they loaned you plus almost triple of what they loaned you should be illegal. Can you assist in getting this interest lowered or if this is illegal can we get this loan closed?
05/26/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 34787	Web
Lendly Loans also known as XXXX XXXXXXXX XXXX XXXX XXXX ( Account # XXXX ) they have placed incorrect information on my Credit Report. This was an online payday loan and they reported it falsely on my credit report as a MEDICAL! The balance reported to ALL 3 Credit Agencies are all incorrect and completely different. I'm not sure why this Payday Loan Company is reporting false information that is a violation of defamation of character.
09/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Charged fees or interest you didn't expect	MI 480XX	Web	Servicemember
Lendly is charging a much higher interest rate than was I was told during the application over the phone. The entire process was over the phone and when I asked for validation of my loan and comments to see my interest rate it was XXXX %. The Michigan XXXX loan maximum interest rate is 25 %. I send the Michigan XXXX statutory law to Lendly and asked for a reduction to the state maximum and was completely ignored.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43551	Web
In Accordance with the fair credit reporting act convergent account number has violated my rights. 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.
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32953	Web
I have called and they stated that they report on the XXXX every month. And that they are not responsible for the credit bureau not reporting correctly and that it would be on them. I did inform them they have not reported any payments since XX/XX/XXXX. They did not have much to say after that.
04/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32404	Web
XX/XX/21 amount financed was {$2000.00} 198.30 % APR would make total paid {$8100.00}. I am really struggling to make payments but am up to date so far. I believe I have made XXXX payments of {$150.00} bringing my total paid already to {$2300.00} so they have already made their money off of me.
05/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 38115	Web
This company is charging people 100 % over the stated interested rates and practicing predatory lending. Example, if you were to borrow XXXX, they will charge you XXXX in interest. This is a scam and not lawful or moral. Please review this company 's lending practices. Help us.
09/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 346XX	Web
I took a loan when I was desperate. I borrowed XXXX. I have paid every payment on time and just realized the interest rate on my loan documents is over 200 %. I have paid XXXX back to them already and still have XXXX biweekly payments of XXXX left. Please help if you can.
08/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	KY 410XX	Web	Servicemember
I am paying 213 % interest on a {$2000.00} loan Ive paid over {$7000.00} on this loan and had automated payment set up. They changed were the money would be sent without notifying me and every time I call to speak to them about it nobody seems to have any information.
09/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	AZ 85704	Web
I am a victim of ID theft starting around 2018 and I found out earlier this year. There is a fraudulent account listed under Lendly loans that I did not open. I have a police report stating so and that is all I am required to provide them by law.
11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 389XX	Web
I filed bankruptcy XX/XX/2023. Lendly was included in bankruptcy. Lendly is still reporting past due payment with a balance. I disputed with XXXX and Lendly yet information is still not updated. My lawyer states that this is against the law
05/11/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	AZ 850XX	Web	Servicemember
I paid off my loan with this company and overpaid XXXX in XX/XX/2023. The company stated they would return the excess I paid in 7 to 10 business days. I still have not been paid my money.
11/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76039	Web
This is bothering me weekly over payment when I am paying them. Phone calls every week. There to the credit bureaus as being late when that is a lie.
09/05/2023	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	TX 787XX	Web
My information was compromised and used without my permission Lendly loan XXXX XXXX
06/29/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AR 72904	Web
They called my husband, which he has nothing to do with the loan or my debt
11/15/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Charged fees or interest you didn't expect	TX 77025	Web
Apr is extremely high better off going to a load shark then getlendly
01/20/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	NE 690XX	Web

01/14/2024	Yes	Payday loan, title loan, personal loan, or advance loan Earned wage access	Issues with repayment	FL 34746	Web

12/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Incorrect information on your report Account status incorrect	SC 29690	Web

12/05/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MI 49686	Web

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48205	Web

10/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95206	Web

10/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Struggling to pay your loan	OH 43004	Web

09/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	FL 32351	Web

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33065	Web

09/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN 46118	Web

08/04/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MI 48088	Web

03/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33137	Web

02/01/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 39307	Web

01/26/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	DE 19973	Web

01/26/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 49601	Web

12/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 37659	Web

12/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MI 49601	Web

08/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30909	Web

02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98110	Web

01/11/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	FL 33138	Web