Complaints
Customer Complaints Summary
- 217 total complaints in the last 3 years.
- 76 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:09/17/2025
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 9/17/25at approximately 2:32pm EST, I began receiving emails from this business stating I had made a loan application. Inquiry had been made to my credit report. I did not make an account or submit for a loan and I am the victim of identity theft.
Business Response
Date: 09/18/2025
Thank you for reaching out to LightStream. A dispute will be filed on your behalf regarding the concern you have presented. Please allow us 30 days to research and report our findings to the credit bureaus. Once the credit bureaus receive our discoveries, a communication will be sent out to you regarding the outcome of your concern. If you have questions regarding this matter, please contact us directly at *************. We also accept calls made through the relay service (dial 711).Customer Answer
Date: 09/18/2025
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:09/17/2025
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.
An inquiry appeared on my credit report from this company. I did not apply for any type of loan from this company.Business Response
Date: 09/18/2025
Thank you for reaching out to LightStream. A dispute will be filed on your behalf regarding the concern you have presented. Please allow us 30 days to research and report our findings to the credit bureaus. Once the credit bureaus receive our discoveries, a communication will be sent out to you regarding the outcome of your concern. If you have questions regarding this matter, please contact us directly at *************. We also accept calls made through the relay service (dial 711).Customer Answer
Date: 09/18/2025
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:09/08/2025
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.
Letter received indicating I applies For A Loan which I never did. Asking me to complete procesdBusiness Response
Date: 09/09/2025
Thank you for reaching out to LightStream. The inquiry letter you received will automatically expire, and we can confirm no credit report was pulled since a formal application was not submitted. We have noted our records to indicate you are not looking for nor applying for a LightStream loan. No further action is required at this time.Initial Complaint
Date:09/05/2025
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 was a fraud victim earlier this month, I reported Lifestream Finance as fraud .Today I recd a 2nd text from the same company. I decided to call the company and the same party whose name is ****** but text said ****** *****Business Response
Date: 09/05/2025
LightStream will never send unsolicited emails, text messages or letters asking clients to provide, update, or verify personal or account information, such as passwords, Social Security Numbers, PINs, credit or check card numbers, or other confidential information. In addition, we also do not contact prospective clients or individuals interested in financing via text or call. If you have received a suspicious email, communication or believe you may be the victim of a possible scam, please forward any information to ************************************** Ignore and delete unexpected messages asking for password, PIN, or other confidential information. If you have additional questions or concerns, please call us at ************** for further assistance. We also accept calls made through the relay service (dial 711).Customer Answer
Date: 09/05/2025
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:09/05/2025
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 woke up this morning to a Hard Inquiry on my credit report by this company. I have never heard of this company till today. I did not make any attempts to get a loan of any type from this company.Business Response
Date: 09/05/2025
Thank you for reaching out to LightStream. A dispute was filed on your behalf regarding the concern you have presented earlier today. Please allow us 30 days to research and report our findings to the credit bureaus. Once the credit bureaus receive our discoveries, a communication will be sent out to you regarding the outcome of your concern. If you have questions regarding this matter, please contact us directly at **************. We also accept calls made through the relay service (dial 711).Customer Answer
Date: 09/05/2025
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:09/05/2025
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 am not liable for this debt with LIGHTSTREAM. I do not have a contract with LIGHTSTREAM.They did not provide me with the original contract as requested.Business Response
Date: 09/05/2025
To obtain the information you are looking for and continue discussing your concerns, we recommend contacting us at **************. We also accept calls made through the relay service (dial 711).Initial Complaint
Date:09/04/2025
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 applied to ********** for a Home Improvement loan because I was recommended by a friend of mine that they are the best when it comes to home improvement loans. I felt confident applying because my personal financials are strong along with my FICO being an 850. I submitted the application and it went into pending status. Then a few hours later, lightstream requested that I upload my drivers license. I did so anticipating an approval after they verified my document. The next day I received a decline notice saying that they declined me due to Unable to verify information on application. I called the customer service department and they informed me that there might be information on my credit report not matching up so I went to ********** to pull my report to make sure the information matched up perfectly to resubmit the application only to get a denial again for the same reason. It doesn't make sense and now the hard inquiry is preventing me from prequalifying for other loans. I don't know if they discriminated against me because why would they ask for my drivers license only to decline it after I uploaded the drivers license which I made sure it was a very clear photo. I submitted my application a third time and I'm requesting that a thorough review be made to issue me the approval. I can provide proof of my identity and my financials if required.Business Response
Date: 09/05/2025
When an application is received, our credit department will review several different items. These items include, but are not limited to, your entire credit profile, personal information, financials, employment, debt-to-income ratio, and payment history. If during our review process we are unable to verify information by comparing the details you provided, to what the credit bureaus are reporting, then our credit team may be unable to move forward with an approval. To review for possible discrepancies, we recommend contacting ********** to ensure all of your information is accurate and up to date. Based on our lending guidelines, we are unable to extend credit at this time. Your concerns have been escalated through the proper channels for further review.Initial Complaint
Date:08/19/2025
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 am reporting identity theft involving a fraudulent account. An unauthorized account was opened with LIGHTSTREAM (LS3282XXXX, unsecured, $49,140, opened 11/12/2024). I did not authorize or apply for this account. I request immediate investigation, removal from my credit report, and written confirmation once resolved.Business Response
Date: 08/22/2025
Thank you for reaching out to LightStream. A dispute will be filed on your behalf regarding the concern you have presented. Please allow us 30 days to research and report our findings to the credit bureaus. Once the credit bureaus receive our discoveries, a communication will be sent out to you regarding the outcome of your concern. If you have questions regarding this matter, please contact us directly at *************. We also accept calls made through the relay service (dial 711).Initial Complaint
Date:08/18/2025
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 August 18th, 2025 I was inundated with emails saying I opened bank accounts and applied for a loan with lightstream despite never having had contact with the company. There was no way to report this to the company without an account number which I didn't have because I didn't open sny accounts.Business Response
Date: 08/22/2025
Thank you for reaching out to LightStream. A dispute will be filed on your behalf regarding the concern you have presented. Please allow us 30 days to research and report our findings to the credit bureaus. Once the credit bureaus receive our discoveries, a communication will be sent out to you regarding the outcome of your concern. If you have questions regarding this matter, please contact us directly at *************. We also accept calls made through the relay service (dial 711).Customer Answer
Date: 08/23/2025
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:08/13/2025
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 had a personal loan with Lightstream/Truist Bank.On 16-June 2025 I made a payoff payment by check via first class mail to their requested payment address, with account information in the memo on the checks and their payoff coupon.I first followed up on that payment at the end of June, on 30-June I received a response that payoff processing should "at least ***** business days".I followed up again and spoke to customer service a week later ********, being told that a search for my payment would be done and take 2-3 business days. I never heard back.Assuming the payment was lost in the mail, I had the larger bank check cancelled, and paid off the account via electronic funds transfer.The account was paid off on 16-July 2025 On 24-July 2025 my smaller personal check for additional interest was deposited by Lightstream. The deposit has yet to show up on my now-closed account. I requested refund via electronic communications immediately and was told that would take 10 business days. It has been 14 business days and I have not received a refund, confirmation, nor has the payment appeared in my account as an overpayment due return.Business Response
Date: 08/15/2025
Thank you for reaching out regarding your concern and experience. Our records indicate that a check for $80.58 was received on 07/24/2025. Since refund checks take 10 business days to process, the refund check was generated and placed in the mail on 08/07/2025. Please note that business days do not include Saturdays, Sundays, and any bank holidays. Additionally, please allow **** to complete the delivery of your check within 5-10 business days. Furthermore, we understand your concern and the situation you have described. We will esclate this matter further and share this incident with our management team.Customer Answer
Date: 08/15/2025
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. All actions by the business were done as slowly as possible to maximize both interest payments and holding of funds. The refund was received today. Consider this complaint resolved.
Regards,
******* *********
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