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:12/09/2023

  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.

  Lemne is a p2p lending app. I signed up, was able to borrow $50. I was late repaying it, but it was paid and I have the bank statement that proves and reflects that I paid the exact amount outstanding on the app. This was on November 24, 2023. It is now December 9, I have been trying to contact them regarding the payment, and have not been helped. I message them and they respond with general auto-replies and they have now sent my loan to collections despite it being paid in full in the amount of $73.96. This has now negatively impacted my credit score and I STILL cannot contact them or get somebody to reply to an email (since they don't have a phone number) with something even remotely useful, helpful, or geared toward resolving this issue.

• Initial Complaint

  Date:11/21/2023

  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.

  You must pay a monthly subscription fee to sign up for the service. However, in the months of having this app, they continue to take subscription fee even though the app doesnt work. Reached out several times with no response. Finally got one and the associate said, I cant use the app because they couldnt complete an external verification and there is nothing they can do about it. They were going to continue to take my money without notifying me, I cant use the service. THIS IS FRAUD!!!! *** requested a refund for subscriptions paid and they all of a sudden stopped responding to my chat request on the app.

  Business Response

  Date: 11/22/2023

  Hi,
  
  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 *************** 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:09/13/2023

  Type:Customer Service 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 downloaded the app and began to set up my account but when you request funds, it asks for your ssn and after multiple attempts at inputting it, it still says that my ssn is linked to another account. I have messaged support via the app and I have emailed back and forth with what seems like automated messages for a thread containing over 12 different messages and my final answer from them was the same as the initial response; that ssns get linked when you set up an account.. etc. but I have never set up any account!! This company cant be reached any other way!! Im wanting my information on what is under my social in this businesss records!!

  Business Response

  Date: 09/25/2023

  Hello,
  
  Users can only create one account which locks onto your SSN. Unfortunately, for yours and others security, we cannot provide details about any other account created by you which is linked with your SSN. We recommend contacting the local authorities if you think someone is using your SSN.
  
  Thank you for your understanding.
  
  
  
  
  
  

• Initial Complaint

  Date:09/12/2023

  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.

  This company is a complete scam with generic response. I have emailed over an an over to delete my account an also remove my bank info from your system, I feel they are out to steel peoples info due to the loan requests always saying pending an that u cant cancel it or delete the info from thme

  Business Response

  Date: 09/18/2023

  Hello,
  
  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: 09/19/2023

   
  Complaint: 20591385
  
  I am rejecting this response because:
  This is a generic response, the loan request feature has no way to be cancelled, This response even makes me more concerned of this app possibly collecting personal info for a scam ** I have reached out several times to have the account deactivated directly. Even following the steps the claim to be needed there is no options to deactivate account
  Sincerely,
  
  *****************************

  Business Response

  Date: 09/25/2023

  Hello,
  
  Thank you for sharing your concern with us, we hope we can find the best solution for you! 
  
  We are very sorry to inform you that we cannot cancel or modify your loan request unless you have a valid, unexpired offer. We apologize for any frustration caused but your loan request will remain valid for 30 days from creation date and open for investors to view and offer.
  Please dont give up now as your request might get funded anytime soon.
  
  You can find more information about how to cancel a loan request HERE
   
  Thank you for using Lenme and have a pleasant  day!
  -Lenme Support Team.
  
  

  Customer Answer

  Date: 09/27/2023

   
  Complaint: 20591385
  
  I am rejecting this response because:
  This is completely unacceptable, I have asked you to remove my bank account from your systems a close my account. I dont now want a loan. An according to other reviews it seems hundreds of people have this same exact issue.  I will not allow this to be closed until my account is closed a deleted.  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:08/08/2023

  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.

  After arriving at the third and final payment for a loan through lenme, there was an error in payment. Lenme kept giving an error stating that there wasn't enough available funds in the connected bank account. I checked with my bank and there were more than enough available funds.It may have been a function of needing to re-connect the bank, I'm not sure but there was no way to figure it out because they do not respond to their online chat support. I have records of trying to connect with them numerous times with no response. When you click on the connected account there are no options to do anything with it.Once they responded to an email, asking for more information. I provided a screenshot of the error and asked for a method by which I could make the payment. They have not responded to this email even after several follow *** and now the loan says it will be going to collections even though I have the means to pay it.Lenme has awful customer service to the point of preventing payment and this could have a negative impact on a credit score. Do not under any circumstance conduct business with Lenme if you do not wish to have your credit score impacted.

  Business Response

  Date: 08/08/2023

  Hi *****,
   
  We are sad to know that you are facing such an issue. We hope this never happens again! 
   
  We are doing everything we can to resolve this issue for you as fast as possible. However, we need to investigate more and this might take some time. We will get back to you as soon as we find the best solution for you.
  Thank you for your patience through this process of solving your issue. We appreciate your understanding. 
   
  Thank you for using Lenme and have a pleasant day!
  -Lenme Support Team.

• Initial Complaint

  Date:07/26/2023

  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.

  About a year ago I signed up for this app but for some reason it never worked I was never able to fully set up my account. Back in June the app started working for me and I was able to create my profile. But when asked to enter my ssn it said my ssn was tied to an account. After reaching out for help multiple times I kept getting the same auto generated response. No body will help me and I believe someone at the company stole my ssn or somebody is using it and they wont tell me who. *** contacted my state police for the criminal part but I need the BBB to know what this Lenme company is doing.

  Business Response

  Date: 07/31/2023

  Hi Deairious,

  Sorry for the inconvenience i can see that one of our representative has replied to your request with the below.

   
  Thank you for sharing your concern with us, we hope we can find the best solution for you!
   
  After searching the system we gladly want to let you know  that weve found your Lenme account. 
  Please note that the Email Address *********************************************** is the one associated with your SSN and you can only use this account (this email address was created as you chose to hide your email while signing up with your Apple ID).
   
  We can assist you reactivating your account, please provide us with the following so we can verify your identity:
  1) A picture of your valid ID
  2) The last 4 digits of your SSN
   
  We appreciate your patience through this process.
  Thank you for using Lenme and have a pleasant day!
  -Lenme Support Team.
   

• Initial Complaint

  Date:05/01/2023

  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.

  In early April, I applied for a loan and was approved for a small amount of ****** including the interest. The bank account I originally linked to pay this back was closed. Today, I have asked no less than 3 times to be able to make a manual payment out of my good bank account and/or be able to change the bank account on file. This company keeps telling me I can not change it in the app and does not give me another option except to default on the loan. I am trying to remedy this issue but Lenme is forcing me to pay extra fees and eventually get sent to collections. I would like to pay my loan back and Lenme is not allowing it in order to just get money out of me. I would like Lenme to respond with an actual resolution instead of just closing my support tickets out.

  Business Response

  Date: 05/08/2023

  Hi ******,

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

  We truly apologize for the inconvenience. You can use the link below to pay your missed payment .
  

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

  You can pay using any of the following methods, Debit ********** Card, ***************** Account, Apple Pay, or ****** Pay.
  

  Please confirm once you make the payment to update our systems.

  
  Thanks for using Lenme and have a pleasant day! 

  -Lenme Support Team. 

• Initial Complaint

  Date:03/26/2023

  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.

  They charge $10 a month to get a loan, you have to request a loan and once you do, you can't cancel said request until you get an offer. I paid for multiple months and didn't receive a single offer for a loan, which wouldn't be a big deal except for the fact I can't cancel my request OR delete my account while I have an open request(WHICH I CANT CANCEL UNTIL I GET AN OFFER). It's a total scam and just doesn't make any sense. Can't cancel or delete account until I get an offer which never comes. Such predatory and scummy behavior. PLEASE SHUT THIS COMPANY DOWN

  Business Response

  Date: 03/27/2023

  Hi Team,
  
  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 open for unlimited number of investors to view and offer. 
  
  Please don't give up now, your request might get offered any time soon.
  
  Thank you for your patience , We wish you a pleasant day!
  - Lenme Support team
  

• Initial Complaint

  Date:02/01/2023

  Type:Sales and Advertising Issues
  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 did a cash advance with this company for approximately $40/$50. I had and still have financial difficulties as a college student. I contacted the company pay them back but they said the balance is now $342.20 because of fees. This equates to 7/8 times the original amount. Isn't there usury laws against this? I wanted to settle for $100 but they refuse. I am a college student and cannot afford the excess fees. I asked for options but will not budge on amount owed.

  Business Response

  Date: 02/02/2023

  inkHi Shelby,
  
  Thanks for reaching out! I'd be more than happy to help you.
   
  In order to help you to pay your outstanding balance. You can use this link to pay the outstanding balance in 24 hours.
  You can pay using any of the following methods, Debit ********** Card, ***************** Account, Apple Pay, or ****** Pay.
  
  *********************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************
  
  Or scan the attached QR code:
  
  Please make sure to enter the same email address you have in the profile.
  Amount: $100 (Total due including all fees)
  
  
  Please confirm once you make the payment to update our systems. Thank you for being a responsible borrower; these funds will be sent out to the investor who filled out your loan and you will avoid reporting to the credit bureau.
  
  Thanks for using ***** and have a great day! Tell us why here...

  Customer Answer

  Date: 02/02/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************************

• Initial Complaint

  Date:11/15/2022

  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.

  I took out a loan in 2020 and it was sent to collections, ******** ****** of Collections to be exact. I paid off the collection debt in March of 2021. Recently I have been receiving emails from LenMe telling me I owe them and will be sent to collections if I do not pay. I was already sent to collections and the debt was paid, so how are you trying to come after me again?? I previously emailed the company and was told that the debt was settled.

  Business Response

  Date: 11/18/2022

  Hi *******,

   

  Thanks for providing the proof of payment we have confirmed the payment and removed you from the email list of collection.

   

  The Lenme Team