Complaints
This profile includes complaints for West Capital Lending's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 17 total complaints in the last 3 years.
- 12 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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.
Initial Complaint
Date:01/16/2025
Type:Status:AnsweredMore info
Complaint statuses
- 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 have been getting calls from this company for 3 months. Back to back calls to myself and husband. I have requested to be off their list nicely and blocked them. They then call me back from another number. At this point it is harassment. I have never wanted to do business with this company. I asked for a manager and they said they dont have managers. I just want to be left alone. How is this legal?
Business Response
Date: 01/17/2025
we have put this client on our do not call listInitial Complaint
Date:12/29/2024
Type:Status:ResolvedMore info
Complaint statuses
- 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 have blocked their number on my phone but somehow they continue to call me daily and leave a voicemail claiming that I contacted them first which is not the case.Business Response
Date: 01/06/2025
we have put this client on the do not contact listCustomer Answer
Date: 01/06/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
***** *****
Initial Complaint
Date:11/14/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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.
This company called me every day the past four days, and they called five times yesterday. They are looking for "*****." I told them there was nobody here by that name. They also texted me. They changed their number each time. How do I make them stop?Business Response
Date: 11/14/2024
hello, we have placed this client on our do not call list. They will not be contacted again.Initial Complaint
Date:11/13/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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 am writing this review for my father, a 77 year old Vietnam Veteran and recent widower that was working with ****** ****.****** ****, Executive Branch Manager, does not handle rejection well. During a text exchange, upon letting him know I did not want to move forward with him to refinance, he called me a liar, said I was chickening out and wasnt a man because I texted him instead of calling him about ***** daughter called him to confront his disrespect, she also called him an A-hole, to which he then responded to her saying, when your mom died, I sent flowers, so Im not an A**** He was then flooded with F bombs.The next day, he left several voicemail messages telling me to be a man and call him back to talk about everything.Business Response
Date: 12/20/2024
hello, our director of training, **** *********** has responded to this client and reached out to resolve.Initial Complaint
Date:11/02/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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.
Hi, on Saturday, October 26, 2024, I closed on a refinance loan with West Capital. I did so l specifically to get $47,000 in cash. Loan officer ****** **** assured me of those terms and that is the main reason why I signed. The payment goes up by $600. Now after talking to the title company, I found out I'm not getting anything back in cash. Moon lied to me to get me to sign (see screenshot of email) and now won't return my calls or emails. The loan hasn't even funded yet. Since I would not have signed without getting the money back and was lied to about it, I would like the mortgage company to either honor what they promised or rescind the deal as well as repair any damage done to my credit report. Thanks,*****************Business Response
Date: 12/16/2024
we have reached out to this client in regards to a resolution and have not heard a response back. We are more than happy to provide a resolution.Initial Complaint
Date:09/30/2024
Type:Status:ResolvedMore info
Complaint statuses
- 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.
On 9/30/2024 I received over a half dozen calls and text messages from this company. They call me ****** and keep calling and texting. They change their number for every new call and text. I feel harassed by the number of calls and texts I am receiving.Business Response
Date: 11/05/2024
We will add this client to our DNCV list and ensure that she is no longer contacted at all.
Customer Answer
Date: 11/05/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.I have not received call from them anymore, which was the outcome I had wanted. Thank you.
Regards,
******* *****
Initial Complaint
Date:08/09/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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.
Discrimination- Here is the first message from this lender without doing any due diligence. "Hi. I'm overwhelmed right now with clients due to the recent rate decrease. At this point I'm only taking on people who are ready to proceed with a full application. Everyone's time is extremely precious right now, I'm sure you can understand. I can refer you to someone who has a smaller clientele. Thank you very much." ******* *******Business Response
Date: 08/12/2024
we have reached out to the client directly.Customer Answer
Date: 08/12/2024
This is an incorrect statement from the company. West Capital lending did not reach out as of today 8/12/24 @3:45pm EST.Business Response
Date: 12/16/2024
hello, we have responded to this client directly.Customer Answer
Date: 12/17/2024
This is an incorrect statement from the company. West Capital lending did not reach out as of today 12/17/24 @9:30am EST.Business Response
Date: 12/20/2024
our director of training **** *********** is reaching out again .Initial Complaint
Date:05/20/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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.
My interaction with west capitol was gained though false advertising after gaining my personal information for the loan ******************* tried to explain to me that because I stated my home value was from $550,000 to $600,000and it valued at 565 is the reason they did not honor the original interest rate and give him the opportunity to search another lender which he came back with a lower rate and I pay $5000. Told him it wasnt a good decision to go with and he asked if I saw the numbers before I refused the loan. Today I received a letter stating I was denied the loan for not meeting conditions. This appears to be retaliation for not accepting his loan.Business Response
Date: 06/20/2024
hello, our Director of Sales , ********************* left a message to get in contact with you. Please call back as soon as you get a chance so that we can resolve this.Initial Complaint
Date:05/07/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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.
April 2024 i began ta;kpng with *************************. i have over $300,000 in equity in my home. i have never refinanced still have original interest rate since 2016. my debt to income ratio is too high, i pay all my bills on time but my credit score is low because my utilization is high. i needed a hard money interest only loan to finish needed repairs and pay off my little bit of debt thats keping my credit score low. i have companies tell me all the time that they will be able to help me, then after a montrh of sending all documents they require then i dont hear from them anymore. i have over 20 hard credit pulls from all these people who can "help " me. i let all loan officers know from the start , unless they have a magic wand, i doubt they can help...im disappointed in ************************* because she told me the loan was a done deal, they were ordereing the appaisal, then they were not! i hired a contractor for repairs that needed finishing and was going to have him start. thank God it rained last saturday, which made contractor unable to start..*************************** calls me to tell me my debt to income is too high they cant fund my loan! this was after she trold me it was a done deal! She says she had other options. then i dont hear from her, she doesnt return anymore calls nor answwer anymore of my emails. i sent her an email , i recieved a surprise check for $2400 and i asked her what i should pay that would have the biggest effect on my debt to income ratio? still no response..she put me in a situation..now i need to find help to get out of. i will need to pay contractor with cash that i dont have. my shower needs to be made bigger and bathroom ADA **** compliant. the bathroom is not usable because its too small when you need assistance from a ****** or wheelchair. i was told no appraisal was ordered. i didnt pay them anything yet.they took a whole month away from me wasted my time, added to another hard pull on my credit report. and they were sent personal infoBusiness Response
Date: 06/20/2024
hello, our Director of Sales , ********************* left a message to get in contact with you. Please call back as soon as you get a chance so that we can resolve this.Initial Complaint
Date:03/04/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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.
On 2/12/24 an employee of their company sent over authorization to run myself/wife's credit (Hard Inquiry). Neither one of us gave any authorization for them to run our credit. Employee name is ***********************.Business Response
Date: 06/20/2024
We took the hard inquiry off back in February 2024
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.