Description

Received an email from them that a loan was declined. I did not attempt to apply for any loans let alone with this company. I'm concerned that this is a scam and I do not want to reach out to them to work through it. When I google them, I receive this feedback. Yes, [email protected] is listed as a contact email for WithU Loans. However, it's important to be aware that WithU Loans is a tribal lender with a history of very high interest rates and numerous complaints filed with the Better Business Bureau (BBB) and other consumer protection agencies. Some reviewers have even suggested that the company engages in predatory lending practices. While the email address appears legitimate in terms of being associated with the company, potential users should be cautious and thoroughly research WithU Loans before engaging with them. Here's the email:Date: 8/5/2025 10:33:02 AM Applicant's Name: Derrick Varela Applicant’s Address: 12384 Tamarac St, Brighton, CO 80602 Description of Action Taken: Declined Hello Derrick, Thank you for submitting a loan application on 8/5/2025 10:33:02 AM. We truly value your business. After carefully reviewing your application, we are sorry to advise you that we cannot provide a loan to you at this time. Our credit decision was based in whole or part on information obtained from a consumer reporting agency and an outside source. If you would like a statement of specific reasons why your application was denied, please write Customer Care at the address below within 60 days of the date of this email. We will provide you with the statement of reasons within 30 days after receiving your request. Customer Care WithU Loans 10600 S. Pennsylvania Ave., Ste 16 #828 Oklahoma City, OK 73170-4257 Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. Clarity Services, Inc. PO Box 5717 Clearwater, FL 33758 866-390-3118 NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, D.C. 20580.