Complaints

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.

• Initial Complaint

  Date:04/04/2024

  Type:Product Issues
  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 received a charge from this company without an invoice or email explaining the charge. I've reached out several times and received no help. They don't return calls and emails are automated. They also close my help ticket. I'm a lender on this platform and should not be having any payments taking out of my account. There has been a mistake made that could be easily fixed but no one will answer to help me. Very unprofessional. I will give them a chance to make it right on this platform before reporting it as fraud to my bank and reporting them to consumer protection services.

  Business Response

  Date: 04/06/2024

  Dear user,
  Thank you for sharing your concern with us,we hope we can find the best solution for you!

  We would like to let you know that the payment was a month's subscription for using our service as a lender and It is based on the volume of your lending per month.

  Please note that this fee helps Lenme to improve their technology and make lending and borrowing a better experience for you.
  Currently, you are in the basic pricing tier :Monthly Subscription (Lender) - $1k - $5k $84.99

  Thank you for using Lenme and have a pleasant day!
  -Lenme Support Team.

  Customer Answer

  Date: 04/06/2024

   
  Complaint: 21532172
  
  I am rejecting this response because:
  No where is this fee listed. I would like to have my account canceled and a full refund. Im no longer going to be investing anymore with your company. This is very dishonest to not have this amount known before using your service. I tried looking this up under your information for lenders. I attached what you say the charge is. What you have on your app is a charge of 1% or 3 dollars and its stated that this is added by the borrower. No monthly subscription amount is listed. Please cancel my subscription. I will no longer being using your services.  This is dishonest and its terrible I had to complain here to get a response. Your customer service is nonexistent. 
  Sincerely,
  
  *****************************

  Business Response

  Date: 04/26/2024

  Dear user, 

  Thank you for sharing your concern with us, we hope we can find the best solution for you!

  We would like to let you know that the payment was a month's subscription for using our service as a lender and It is based on the volume of your lending per month. Please note that this fee helps Lenme to improve their technology and make lending and borrowing a better experience for you.
  Currently, you are in the basic pricing tier :Monthly Subscription (Lender) - $1k - $5k $84.99
  

  Thank you for using Lenme and have a pleasant day!
  -Lenme Support Team.

  Customer Answer

  Date: 04/27/2024

   
  Complaint: 21532172
  
  I am rejecting this response because: This fee is not mentioned or was shown when I signed up. Please update that. I showed you photos of what the fees are when I asked and I was told I didn't pay a fee for using your platform.  You have to be transparent on all fees! I never would have signed up had I known you would charge me a monthly fee based on loans I gave out. Please provide me with the resources that shows and explains these fees. I couldn't find it on your site. 
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 04/30/2024

  Hi Better,
  
  Thank you for sharing your concern with us, we hope we can find the best solution for you!
  we are sad to know that you're facing an issue with our app, but we are here to support you.
  
  Can you please explain the issue in more details? Are you receiving a specific error massage? If yes, will you please share a screen record showing the issue you are encountering?
  
  The answers to these questions can help us find the best solution for you.
  
  You can upload the screen record in the following steps:
  
  1. Go to the customer support tab in the navigation bar.
  2. Open the ticket and click attach button as the screen attached.
  
  If the file is too large, you can send it through email at ********************************
  
  In order to know how to enable a screen record on your phone, please check the following videos:
  IOS: *******************************************
  Android: *******************************************
  
  Looking forward to hearing from you.
  
  - Lenme Support Team

  Customer Answer

  Date: 05/02/2024

   
  Complaint: 21532172
  
  I am rejecting this response because:You aren't answering my questions. You charged me a fee and I sent you screen shots of what I read about being a lender. No where was there a mention of a fee of ***** for giving out 1k in loans. Since you are just giving me auto responses I'm going to assume you are a scam company. Hope people read this and don't use your platform. Over half of the loans I gave out defaulted and I'm over 600 dollar in the hole. Don't join this platform you will never get customer service needed or a straight answer. 
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:03/12/2024

  Type:Service or Repair Issues
  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 lending application has no support, took my bank info without using a trusted or secure method, and did not return my emails requesting that they delete my account and data.

  Business Response

  Date: 03/23/2024

  Hi,
  

  Thanks for reaching out. we are happy to help.

  Please make sure that your account is deactivated then fill the Account Deletion Application and our team will work on it as soon as possible.

  Thank you for using Lenme and have a pleasant day!

  - Lenme Support Team.

  Customer Answer

  Date: 03/27/2024

   
  Complaint: 21420054
  
  I am rejecting this response because:

  There is no place in the application to deactivate, there is no resource providing this "Account Deletion Application", and I have STILL not received any direct emails from the support team on the matter. This business response is from a bot, not a human. There is still nobody working on solving the issue, and there is no documentation providing proof that any of our data is securely stored.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:03/07/2024

  Type:Product Issues
  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 business is a scam. I completed registration, provided personal information, linked my bank and paid the subscription but was met with denial-of-service without being provided a reason as to why. I opened a ticket with their in-app support as that is where they refer you to go when you call their customer support number. They do not reply. Their customer service is non-existent. They have essentially robbed me as they took my money for the subscription and refused me service. Unfortunately, you also have to contact customer service in order to delete your account. However, they do not respond. I will be suing this company. They have essentially robbed me by taking a subscription fee and denying me service. They are also required by law to delete my data. This is a scam company that should be avoided at all cost.

  Business Response

  Date: 03/08/2024

  Hi,
  
  Thank you for reaching out to us!
  
  We see that youve decided to cancel your subscription.
  We would love to know if theres something we could have done to improve your experience with us.
  Would you like to share with us why you decided to cancel your subscription?
  Your feedback will help us improve.
  
  However, if you still wish to cancel the subscription, please follow the below steps:
  
  For iPhone users:
  
  1. Go to your phone's settings
  2. Tap on Apple ID
  3. Tap on Subscriptions
  4. Choose Lenme subscription to cancel.
  
  For Android users:
  
  1. Launch the ****** Play Store app.
  2. Tap the Menu -> Subscriptions.
  3. Tap on the app of the subscription you'd like to cancel -> tap Cancel Subscription.
  
   Since our subscription is managed by Apple Pay / ****** Play , you will need to contact their customer support for a refund. 
  
  For Apple Pay :
  Sign in to reportaproblem.apple.com.
  Tap or click "I'd like to," then choose "Request a refund." 
  Choose the reason why you want a refund, then choose Next.
  Choose the app, subscription, or other item, then choose Submit. If you were charged for a subscription that you no longer want, you can also cancel the subscription.
  
  For ****** Play
  Go to play.google.com.
  At the top right, click your profile icon.
  Select Payments & subscriptions Budget & order history.
  Find the order you want to return.
  Select Request a refund or Report a problem.
  Choose the option that describes your situation.
  Complete the form and note that you'd like a refund.
  
  Thank you for using Lenme and have a pleasant day!
  - Lenme Support Team
  

  Customer Answer

  Date: 03/08/2024

   
  Complaint: 21401027
  
  I am rejecting this response because:

   

  I clearly asked for my account and data to be deleted. This is legally required when requested. This business is completely incompetent and can't even respond appropriately to specific requests. I am suing this company and I encourage others to do the same. They essentially make it easy by illegally refusing service, charging a subscription without providing advertised services, having non-existent customer support that ONLY replies on the ******************** website but not their own in-app support and much more ridiculous business practices that make you wonder about the mental aptitude of their leadership. All correspondence will be used against you in court, especially your blatant refusal to delete my account and data. 

   

  (Note: The only way to delete your account is to contact support, but their support never replies except when contacted by the BBB and they will still ignore the request.)

  Send confirmation of the deletion to my email. 

  
  Sincerely,
  
  *****************************

  Business Response

  Date: 03/12/2024

  Hi,
  
  Thank you for reaching out to us!
  
  We see that youve decided to cancel your subscription.
  We would love to know if theres something we could have done to improve your experience with us.
  Would you like to share with us why you decided to cancel your subscription?
  Your feedback will help us improve.
  
  However, if you still wish to cancel the subscription, please follow the below steps:
  
  For iPhone users:
  
  1. Go to your phone's settings
  2. Tap on Apple ID
  3. Tap on Subscriptions
  4. Choose Lenme subscription to cancel.
  
  For Android users:
  
  1. Launch the ****** Play Store app.
  2. Tap the Menu -> Subscriptions.
  3. Tap on the app of the subscription you'd like to cancel -> tap Cancel Subscription.
  
   Since our subscription is managed by Apple Pay / ****** Play , you will need to contact their customer support for a refund. 
  
  For Apple Pay :
  Sign in to reportaproblem.apple.com.
  Tap or click "I'd like to," then choose "Request a refund." 
  Choose the reason why you want a refund, then choose Next.
  Choose the app, subscription, or other item, then choose Submit. If you were charged for a subscription that you no longer want, you can also cancel the subscription.
  
  For ****** Play
  Go to play.google.com.
  At the top right, click your profile icon.
  Select Payments & subscriptions Budget & order history.
  Find the order you want to return.
  Select Request a refund or Report a problem.
  Choose the option that describes your situation.
  Complete the form and note that you'd like a refund.
  
  Thank you for using Lenme and have a pleasant day!
  - Lenme Support Team
  

  Customer Answer

  Date: 03/14/2024

   
  Complaint: 21401027
  
  I am rejecting this response because:

   

  It is a generic response that has nothing to do with my concerns. This company does not care nor do they have competent workers. I would avoid these people at all cost. They are just scammers and will probably sell your personal information. I am in the process of suing them.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:03/07/2024

  Type:Order Issues
  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 signed up for Lenme a month ago requesting a loan. I never received any offers and tried to cancel my account. I reached out to customer service and was told I couldnt cancel my account without receiving a loan. Its been a month, no loan offers, no way to cancel. Please cancel my account!

  Business Response

  Date: 03/08/2024

  Hi,
  
  Thanks for reaching out. we are happy to help.
  
  We see that youve decided to deactivate your account .We would love to know if theres something we could have done to improve your experience with us. Would you like to share with us why you decided to deactivate your account ?
  Your feedback will help us improve. 
  
  However, if you still wish to deactivate your account you need to follow the following steps:
  1- Click on the navigation bar on the home page.
  2- Click on "setting" and then "Deactivate the account".
  3- Confirm account deactivation.
  4. Click on the email link sent to your email address and your account will be deactivated.
  
  If you need to reactivate this account, please reach out to us and we will be more than happy to help you.
  
  Note: 
  1- For security reasons, users can't create another account using the same information, even if the first account has been deactivated.
  2- Users with an active loan or loan request can not request to deactivate the account.
  3- Deactivating the account doesn't cancel your subscription .
  
  
  Thank you for using Lenme and have a pleasant day!
  - Lenme Support Team. 

  Customer Answer

  Date: 03/08/2024

   
  Complaint: 21398004
  
  I am rejecting this response because: I do not have the option to deactivate my account. I was told my loan had to be active for 30 days, its now over 30 days. My loan is still active, I cant cancel it. I dont want to be affiliated with Lenme any further! 
  
  Sincerely,
  
  ***************

  Business Response

  Date: 03/14/2024

  
   
  Thanks for reaching out. we are happy to help.
  

  Kindly note that your loan request is now expired and you can deactivate your account. 

  
  If you still wish to deactivate your account you need to follow the following steps:
  1- Click on the navigation bar on the home page.
  2- Click on "setting" and then "Deactivate the account".
  3- Confirm account deactivation.
  4. Click on the email link sent to your email address and your account will be deactivated.
   
  If you need to reactivate this account, please reach out to us and we will be more than happy to help you.
   
  Note: 
  1- For security reasons, users can't create another account using the same information, even if the first account has been deactivated.
  2- Users with an active loan or loan request can not request to deactivate the account.
  3- Deactivating the account doesn't cancel your subscription .
   
   
  Thank you for using Lenme and have a pleasant day!
  - Lenme Support Team. 

• Initial Complaint

  Date:02/18/2024

  Type:Product Issues
  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.

  The Lenme app is very discouraging to say the least. The app never works properly and I have never gotten any kind of help whatsoever. No one answers the phone and it in some cases has taken weeks to get a response through the app from customer service. The app costs me money monthly and I want every dime I have paid them refunded. If the app does not work and I can never get any help or advicewhy should I or anyone pay for the service.

  Business Response

  Date: 02/18/2024

  Thank you for sharing your concern with us! 
  
  
  
  We are very sorry to hear that our app didnt quite meet your expectations.
  
  However, since our subscription is managed by Apple Pay / ****** Play , you will need to contact their customer support for a refund. 
  
  
  
  For Apple Pay :
  
  Sign in to reportaproblem.apple.com.
  
  Tap or click "I'd like to," then choose "Request a refund." 
  
  Choose the reason why you want a refund, then choose Next.
  
  Choose the app, subscription, or other item, then choose Submit. If you were charged for a subscription that you no longer want, you can also cancel the subscription.
  
  
  
  For ****** Play
  
  Go to play.google.com.
  
  At the top right, click your profile icon.
  
  Select Payments & subscriptions > Budget & order history.
  
  Find the order you want to return.
  
  Select Request a refund or Report a problem.
  
  Choose the option that describes your situation.
  
  Complete the form and note that you'd like a refund.
  
  
  
  
  
  Thank you for using Lenme and have a pleasant day!
  
  - Lenme Support Team.

• Initial Complaint

  Date:02/17/2024

  Type:Product Issues
  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.

  Requested a loan on January 18th. Have not received an offer in over a month to fulfill this loan. However, I've paid two subscription fees during this time. I've read numerous reviews that have stated the same thing, as well as investors who have never received payment. This app/business collects subscription fees from want to be borrowers (I say want to be because they never actually receive the loan) and takes investor's money with no intentions of paying them back. This is a fraudulent service that needs to be shut down.

  Business Response

  Date: 02/18/2024

  Hi, 

  
  Thank you for sharing your concern with us. We hope we can find the best solution for you!
  
  We are very sorry you have waited this long. We know it must be frustrating for you, but we don't control the investor's decision when it comes to offering a loan. The good news is that your loan request will remain valid for a whole 30 days and be open for an unlimited number of investors to view and offer.
  
  Thank you for your patience. We wish you a pleasant day!
  
  - Lenme Support Team
  

  
  

  Customer Answer

  Date: 02/18/2024

   
  Complaint: 21307955
  
  I am rejecting this response because:

  
  This is a standard generic response this company gives for every communication. I have emails with this exact verbiage.

  
  Sincerely,
  
  ***********************

  Business Response

  Date: 02/24/2024

  Hello,

   

  Thanks for reaching out!

   

  We sincerely apologize for the inconvenience caused. Sadly, as we have mentioned before and this is also written in our FAQ's on our website, we have no control over the investor's decision to offer a loan to a borrower. And on the other hand, from the investor's side, sometimes the borrower doesn't pay their debt. We consider collections to be a critical part of our efforts to ensure that we serve our investors in the best way possible. Debts are out of our control and, as you know, part of the lending business, and all of our investor's are aware of that. 

   

  Thank you for contacting the Lenme Support Team.

  Customer Answer

  Date: 02/26/2024

   
  Complaint: 21307955
  
  I am rejecting this response because:
    Issue has not been addressed, and from the reviews it clearly isn't going to be. I have canceled with this company and strongly urge this site be shuttered due to fraudulent business practices to save others the headaches and hassle.

  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:12/31/2023

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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.

  CS only replies with generic answers and doesn't bother to fix the issue!They keep repeatedly letting the same investor offer loans and he never follows through which just ties up process for days on end. This has happened at least ***************************************************************************************************************** a decent response!

• Initial Complaint

  Date:12/28/2023

  Type:Sales and Advertising Issues
  Status:

  UnansweredMore 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.

  Uses harassment and intimidation as collection methods, which Im fairly sure is illegal. *** never received any correspondence by mail from this company stating that I owe a debt, only dozens of threatening emails.

• Initial Complaint

  Date:12/24/2023

  Type:Service or Repair Issues
  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 is a complete scam and should be shut down. They allow you to sign up hassle free with a subscription however once you pay that it stops working. They DO NOT respond to any customer service message. Ever its been 2 weeks and absolutely no response cant cancel without letting them do it ****** so they continue to take the subscription fee. I will *** the developer. YOU CANNOT claim to be a financial institution and not have a 24/7 customer service center this is illegal and I will make sure the app gets shut down

  Business Response

  Date: 12/25/2023

  Hi Better,
  
  Thanks for reaching out. we are happy to help.
  
  We see that youve decided to deactivate your account .We would love to know if theres something we could have done to improve your experience with us. Would you like to share with us why you decided to deactivate your account ?
  Your feedback will help us improve. 
  
  However, if you still wish to deactivate your account you need to follow the following steps:
  1- Click on the navigation bar on the home page.
  2- Click on "setting" and then "Deactivate the account".
  3- Confirm account deactivation.
  4. Click on the email link sent to your email address and your account will be deactivated.
  
  If you need to reactivate this account, please reach out to us and we will be more than happy to help you.
  
  Note: 
  1- For security reasons, users can't create another account using the same information, even if the first account has been deactivated.
  2- Users with an active loan or loan request can not request to deactivate the account.
  3- Deactivating the account doesn't cancel your subscription .
  
  
  Thank you for using Lenme and have a pleasant day!
  - Lenme Support Team. 

• Initial Complaint

  Date:12/23/2023

  Type:Billing Issues
  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 lost access to the phone number associated with my original account, and live in a completely different state than when I originally signed up, so the identity verification kept failing. Upon requesting that my account and all associated personal information be deleted from their system so I could create another, all I got was automated or copy/pasted generic responses. I finally got them to send me a link for their "Account Deletion Request Application" several weeks ago, and filed it appropriately, but my information is still in their system. Now we're back to the same automated email responses about "Here's how to DEACTIVATE your account" - which is not what I am requesting. This company is refusing to delete my SSN from their system, and if this continues I am going to pursue legal action against them. This is highly suspicious behavior.

  Business Response

  Date: 12/25/2023

  Thanks for reaching out.
  
  we are happy to help.Please make sure that your account is deactivated then fill the Account Deletion Application (****************************************************) and our team will work on it as soon as possible.
  
  Thank you for using Lenme and have a pleasant day!
  
  - Lenme Support Team.

  Customer Answer

  Date: 12/25/2023

   
  Complaint: 21049728
  
  I am rejecting this response because:

  I have already filled out the application deletion. This is another copy/pasted or automated response. Someone in upper management will need to respond directly for me to accept.
  Sincerely,
  
  ***********************