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:10/09/2023

  Type:Product 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.

  Dear ***/*****,For the past 3 years I have been getting emails from Lightstream intended for someone else. I have contacted them on multiple occasions that they are sending confidential emails to someone that shouldn't be receiving them and they are doing absolutely nothing to rectify the issue. They continue to send me monthly emails regarding amounts paid etc and every month I email back to let them know the issue.Kind regards,**************************************

  

  Business Response

  Date: 10/09/2023

  Thank you for your email. Your request has been forwarded to the appropriate department for further review. 

  Customer Answer

  Date: 10/09/2023

  
  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:09/25/2023

  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.

  In June of this year I applied for a loan thru this company after manipulating me and due to my trusting nature and using my disability aginst me rhey took my entire social security check witch landed my autistic son in a unfamiliar place away from his mom and the stability of his home cause we could not pay our rent ******* was completely aware of the situation as he begged me not to cry and to trust him he sent me 400 bucks to send back to the company as a note of good faith and I am stupid and did as I was asked I gave him over 900 and they were finally able to give me the loan they just needed 100 more dollars and I didn't have it.. they then dropped me and my life fell apart I am now in a shelter for domestic violence and these people say .y loan is still open I just need to give them my address??? For what they don't have that? I would like help getting my money back for the loan I did not receive or the money for the loan I paid so much for thus company will not return any messages or my phone calls they stole my money and I have demanded a refund. They have ignored my requests I have threatened to take the messages and all the cash app transactions proving my claim to my district attorney but instead of seeing them I would like to come to an agreement as adults and since there a company that swears on there family's and children that they are honest. My kids have no home it was taken I have no life it was taken by these people and I want my money back

  

  Business Response

  Date: 10/02/2023

  We can confirm that this is not a valid LightStream offer. Unfortunately, others will attempt to impersonate LightStream in an effort to gain money from the public. We can assure you that LightStream does not ask customers to provide any type of down payment, request they purchase gift cards, or provide personal information over the phone in order to be considered for a loan. 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. If you have received a suspicious email or communication or believe you may be the victim of a possible scam, please forward any information to ************************************** Ignore and delete unexpected messages asking for passwords, PINs, or other confidential information.

• Initial Complaint

  Date:09/14/2023

  Type:Billing 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 got a text message saying I was approved for a $5000 loan, this individual said That in order to get a loan, there would need to be insurance in which they would deposit an amount of money into my account and have to cash app it back,and then I would receive the loan. I said no I do not want this.This is particularly scary because somehow they have my bank account information. I then got on the phone with my bank right away to inform them of the situation and my bank account was frozen. I was then told to go into the branch to close that account the next day which I did. Fast forward a few hours later And I noticed my closed is negative over $800 and these people deposited a check.My bank is looking into this. I did not send to receive a loan from this company. This is a huge scam and I can't even begin to cope with this

  

  Business Response

  Date: 09/15/2023

  We can confirm that this is not a valid LightStream offer. Unfortunately, others will attempt to impersonate LightStream in an effort to gain monies from the public. We can assure you that LightStream does not ask customers to provide any type of down payments, request they purchase gift cards, or provide personal information over the phone in order to be considered for a loan. 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. 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.

  Customer Answer

  Date: 09/15/2023

  
  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:08/29/2023

  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.

  Awaiting a refund check of $360.94.I sent a check overnight per Lightstream requirements on July 18th to pay the remaining balance on my loan. Despite paying the loan off, on July 20th they processed my monthly auto payment of $362.90. I am owed a refund check of $360.94. I was informed that the check was mailed on approximately August 11th and that I needed to wait 10 business days. I called back in August 25th with still no check in hand and was told they can cancel the check but I would have to wait 10 days before they would issue a new check which would again be sent via **** mail. Today is August 29th and I still don't have the check.

  

  Business Response

  Date: 09/01/2023

  Since your refund check has not yet been received, we went ahead and placed a stop payment on it. The replacement check was requested on August 31, 2023, and was sent via *** to your home address on file. Please allow a few days to receive it.

• Initial Complaint

  Date:08/28/2023

  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.

  Today I tried to login to my account to see the details of my loan and possibly make extra payments. No matter what I did or how hard I tried I could not login. I tried to forgot my password link and then I tried. They forgot my username link. And I kept getting the same reply over and over. (. Application information is no longer available for this user ID.) Your online loan request has expired. I tried to look for a number to call or live chat, but neither were available.

  

  Business Response

  Date: 08/30/2023

  For further assistance, please contact us at **************. We also accept calls made through the relay service (dial 711).

• Initial Complaint

  Date:08/24/2023

  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.

  Lightstream lending just denied a loan for me stating that "insufficient credit record".But what really happened was my credit record with Transunion is locked so asking me to unlock it they just denied me, and no way to contact them except for writing them. Take about shady? Just thought you all should know! Wait just a minute here. Got their number from you all saying they are in *********, **. But when I called them they stated they were closed because they are on EST not PST time now: 4:39 MST *******************

  

  Business Response

  Date: 08/30/2023

  When an application is received, we review several different items, including the credit profile, financials, debt-to-income ratio, payment history, remaining loan balances, and income compared to the loan amount requested. Based on our lending guidelines, we are unable to extend credit at this time. We pull credit directly from the credit bureaus. If you feel there is a discrepancy on the credit report we received, please contact the credit bureaus directly. 
  

   

• Initial Complaint

  Date:08/15/2023

  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.

  There was an issue with my bank where it declined a monthly payment. Funds were there but my bank declined it. I immediately got an email that it was sent to collections. No chance to fix it with my bank first, just an immediate, sent to collections. I very rarely am late on payments. I found this very jarring and would never recommend them to anyone after that experience.

  

  Business Response

  Date: 08/16/2023

  Per your inquiry, once your account is in a delinquent status, it is handled in-house by the ********************** not a third-party company.

• Initial Complaint

  Date:08/09/2023

  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.

  On Saturday July 29th 2023 a woman name ************************* called me in regards of being eligible for a loan from a company called Lightstream. Note she gathered my personal information and bank account information. Not the company itself. After that the Loan manager ************************* called me and offered me a loan for $2000. Then said I can receive $7000. He then stated that once I paid $200 for nsurance I would receive the loan. I was told by ************************* to get a $200 **** gift card and give him the code to the card once I add money to it.Once he got it. ************************* called me back and said the U.S. Bank they claimed I was getting the loan from said since this was my first time applying for a loan from them I needed to pay another $400 fee. The next day I got two $200 **** gift cards again and sent the code to ************************* and he said within 30 minutes I will have $7600 sent to my PNC Bank. 45 minutes went by. I called ****** to Find out what's the delay. He repeated to me my bank information which was given to him initially by ************************* not from me directly. The bank information was purposely made wrong just so that ************************* can try to make it like it's my fault I gave them the wrong info. Note phone calls are federally monitored. At this ****************** claimed money was sent to another account which I talked to my bank and they said that wasn't possible cause a name has to be attached to account to transfer. At this point I know I was being scammed. I just couldn't understand how I was being scammed by an accredited company called Lightstream. ********************* ************* ********. *****. Telephone #**********. I never received the loan in my account. They fraudulently took $600 true **** gift cards from me. I got the cards and receipts. People involved with fraud. Loan manager *************************. ************************* *********************** *******************. In addition ************************* then had the audacity to ask me to send him $700 more dollars to resolve the lost of money. I refused.

  

  Business Response

  Date: 08/14/2023

  We can confirm that this is not a valid LightStream offer. Unfortunately, others will attempt to impersonate LightStream in an effort to gain monies from the public. We can assure you that LightStream does not ask customers to provide any type of down payments, request they purchase gift cards, or provide personal information over the phone in order to be considered for a loan. 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. 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.

• Initial Complaint

  Date:08/08/2023

  Type:Product 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 was contacted by ***** from Light stream telling me that I had been approved for a loan. I bank online and he said that he could not deposit the money into an online account. So he suggested that I get a check from ************** He told me that I would have to make a deposit of $180 from an **** gift card. Then after I sent him the details he told me that the banks were closed so I would have to make another $200 deposit in order to get the funds tomorrow. I then called the company directly and spoke to a *********************** who said he was the manager and not to talk to anyone else. He told me that because I live in WY that I would have to pay taxes on the loan of $200 from another **** gift card. I am extremely worried that I have just been scammed. I am sweating like bullets and praying that I have not been scammed. I am still waiting on the phone for the outcome.

  

  Business Response

  Date: 08/09/2023

  We can confirm that this is not a valid LightStream offer. Unfortunately, others will attempt to impersonate LightStream in an effort to gain monies from the public. We can assure you that LightStream does not ask customers to provide any type of down payments, request they purchase gift cards, or provide personal information over the phone in order to be considered for a loan. 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. 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.

  Customer Answer

  Date: 08/09/2023

  
  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:08/02/2023

  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 do not have an account with ********************** I do not have a contract with LIGHTSTREAM I am not liable for any debt with LIGHTSTREAM

  

  Business Response

  Date: 08/03/2023

  Per your inquiry, you do not have an active loan with LightStream.