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Business Profile

Debt Consolidation Services

Liberty First Lending
BBB accredited business seal
BBB Accredited BusinessB+Rated by BBB

Complaints

Customer Complaints Summary

  • 37 total complaints in the last 3 years.
  • 31 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:05/12/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I received a letter for a debt consolidation loan from a company called Liberty First Lending.I called the number listed on the solicitation and the phone was answered by a company called Credit Nine. I asked several different agents why theyre answering the phone as Credit Nine, requesting more information about Credit Nine and the first agent hung up on me, the second agent could not answer the question but continued to pressure me for personal information, and the third agent said, I dont know, Im just the guy that answered the phone. Im reluctant to give my personal information to companies I know nothing about, this complaint in referencing false advertisement; Im calling one company and Im getting another. Please help resolve these issues moving forward.

    Business Response

    Date: 07/03/2024

    Liberty First Lending provides personal loan services, personal loan brokerage services, and also generates lead traffic that it routes to trusted partners for the offering of partner services. Credit Nine is a partner with whom Liberty First Lending works and partnered with on your transaction. We are unsure why the agents you spoke with were unaware of this arrangement.

  • Initial Complaint

    Date:02/21/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    There is an unauthorized credit inquiry on my credit report and i am requesting it to be removed.

    Business Response

    Date: 02/21/2024

    I have searched all our client records and we do not have any record of a consumer with your name, phone number or email address that we have spoken with or obtained a credit report for. In addition we do not have the ability to pull hard credit pulls, only soft credit pulls which do not show as an inquiry on your credit report. Our company is Liberty First Lending. Recently we have had several instances of consumers mistaking us for Liberty First Funding or another Liberty named company. 

  • Initial Complaint

    Date:02/21/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I got a letter in the mail. Apply and suppose to get a phone call at 6:30 am. They text I. The morning that I have miss their phone call without any call. Follow by a call 2 hours later which I did miss but I called back to provide proper information for a personal loan. Took my information and said I will know my approval by 4 pm the same day. After 4 PM I got no call or text. I contacted them to follow up and the service agent said they cannot pull my file because they do not have permission to and to call back Monday . They text me Tuesday to follow up but I did not receive a call. I text back that I am still awaiting terms and rate . They response back with sorry for inconvenience they will update their contact information. I now am part of a potential identity theft victim .

    Business Response

    Date: 02/21/2024

    I have searched our client data base and we have no record of speaking with you ***. If you would like to contact me directly with your concerns I am more than happy to speak with you. You can reach me on my direct line at ************. 

  • Initial Complaint

    Date:11/16/2023

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I got a letter in the mail to check rates on a personal loan and debt consolidation loans without impact to credit score from Liberty first lending. I went online and tried and it said I had to call them. I did not and was no longer interested. They started calling me constantly from all different phone numbers but all said liberty first. They called 11/14 at 12:51 pm 11/14 at 3:04 pm 11/14 at 9:39 pm 11/15 at 1:08 pm 11/15 at 4:18 pm 11/15 at 11:03 pm As far as I know there is a law stating you cannot call later than 8 or maybe 9 pm. This is absolutely obnoxious and I cannot find a good contact #.I want no contact from this company in any way.

    Business Response

    Date: 11/17/2023

    Hi ****, 

    Thanks for contacting us through the BBB portal! As to your concern, we did not know you didn't want to be contacted concerning your loan application you completed on our website. Completeing the info our site is what intiaites us to call you and that is expalined on the site. You also could have called the the 800# on letter we sent you and we would have added you to the Do Not Call list. We have added you to our DNC list now. 

    Sincerely, 

    ***************

    Executive VP 

     

    Customer Answer

    Date: 11/17/2023

    the whole point of this complaint against liberty first lending is the call activity after 8 pm, after 9 pm and after 11pm. It's harassment at that point and to my knowledge is not a legal business practice. 

    Business Response

    Date: 02/15/2024

    Please know that we never contact our customers after 7PM thier local time. We have software in place that prevents us from calling late even if an appointement has been set There is another company with the name of Liberty First Funding, and we have been we have been mistaken as that company. I have personally spoken to a few consumers on this subject and after a little investigation we have relized that they were being called by Liberty First Funding, not our companny Liberty First Lending.  

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