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:07/05/2024
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.
Received at call from ************ stating I was approved for a loan of $6000.We went t brought several verifications and now they are asking me to add a 3rd party to my bank account.When I refused they said it will only be for 15 mins. I continued to refuse and they resisted the loan. I want this place shut down as its a scam and people are trying to get help financial and they are taking advantage of them.
Business Response
Date: 07/08/2024
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.Customer Answer
Date: 07/08/2024
the business should look into their website, and communication to ensure their business is not being used fraudulently. As Ive read other complaints and they send the same scripted statement to everyone.Business Response
Date: 07/09/2024
At LightStream, we take preventing fraud very seriously. Were aware that scammers may pose as LightStream and make fraudulent loan offers.
Were committed to keeping your information safe.
LightStream will never use phone calls, text messages or emails asking you to provide, update, or verify personal information such as passwords, Social Security numbers, etc.
LightStream
never calls with unsolicited offers
never charges fees for loans
never demands gift cards or other untraceable payments and
never makes outbound sales calls.
Knowing how to recognize scams can help you avoid becoming a target. If you receive a call or message from any company presenting themselves as LightStream but you have not applied through *********************************, you are not dealing with the authentic LightStream.
If you suspect a scammer,dont answer their mail, stay on the phone line, download anything nor engage with them in any way. Do not respond. Ignore and delete their communications.Initial Complaint
Date:07/04/2024
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.
Had someone call said I was accepted for 5000 dollar loan and they would send me so much then I would send it back and it would show to the credit bureau then I would receive my loan amount I had all kinds of activity on my account which I put on homd it showed three mobile deposits that I didn't make so my bank has put a hold on my account until tomor so I can go in and redo everything all over thinks to these useless scammers the number they called me from was ************ it is sad cause I need some financial aid to get emergency bills caught up then these lowlifes wanna play with me but I have change passwords etc so hopefully with this number u can find the ******* who is doing thisBusiness Response
Date: 07/08/2024
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:07/02/2024
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.
I continue to get calls from this company about a loan that I never applied for and for someone called ******. I continue to ask them to take me off their call list. I get 5 to 10 calls per day. I try to block the number, but the number is always different, from different states and different people. When I tell them to remove my number, they simply hung up.Business Response
Date: 07/02/2024
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:06/13/2024
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.
6/13/24 I received a call from someone posing as LightStreaming Financial offering a loan to me for $10,000 monthly amount of $91 for 36 monthly payments for $3000. After listening to him I knew it was a scam, because he began to get upset. I hung up.Business Response
Date: 06/17/2024
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:05/31/2024
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.
May 24, 2024. This company called me and guaranteed me a loan of $3000. But I had to put $450 on a money *** from ******* and send them a picture of the card and receipt and not to activate the card. I did this and now they are saying I need to use a barcode sent from them to put 600 dollars on it for the **** If not I will be charged moreBusiness Response
Date: 06/03/2024
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.Customer Answer
Date: 06/04/2024
I am still getting calls and texts from people from so called light stream. The keep demanding 600 more money. They say that if I pay it it will be refunded to me also. I have phone numbers for these people. At this point I just want my 450 back. The money pal company has refused to refund my moneyBusiness Response
Date: 06/04/2024
We can confirm that this is not how LightStream operates. Unfortunately, LightStream has experienced situations where fraudsters have passed as LightStream employees and have used fake emails or phone numbers to call customers. We can assure you that we do not ask our customers to provide any type of down payment or request they purchase gift cards to be considered for a loan.Customer Answer
Date: 06/05/2024
Really just want my money back. I have phone numbers and names that these people are using.Initial Complaint
Date:05/30/2024
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.
Business asked that as a part of the application process that I provide my online banking user ID and password! My bank informed me that this is highly ill-advised and precludes the banks ability to protect accounts against fraud. It resembles internet scams.When I raised this issue with *********************(Rep).. he argued that the information was safe and this was their proceedure. After I pointed out that my bank adamantly discourages disclosing passwords and account info and that their are typically scams...he began cursing and swearing at me!Business Response
Date: 05/30/2024
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:05/25/2024
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 lightstream said I was approved for a 2k loan 24 months 100 a month payment I was in contact with ************************* *********************************************************************************************************************** money was deposited and this company disputed 2 money orders for me to get a temporary credit my bank USAA frozen my account my account is restricted after the dispute which I never did will leave my account in a negative $2100Business Response
Date: 05/28/2024
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:05/17/2024
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 just got a HELOC to pay off all my debts, including an outstanding debt of $19,312 with Lightstream (account ending in 3132). The title company ServiceLink sent out checks on May 7 (they confirmed this via email to me), going out from *************, ************. Lightstream's payment office is in *******, *******. According to the **** postal delivery maps, they received the check by May 11. The title company sent 8 other checks out on May 7th, and several were received by that date at destinations about the same distance from the title company. All 7 other checks have been received and credited to my accounts as of yesterday. So. Lightstream has been sitting on that check for over a week, collecting their 9% interest. I called them this morning, 5/17 and the check has not been credited to my account. It should have been. It's wrong for them to rip me off just by being lazy. I'm a 100% disabled veteran and that much money floating around in nowhere is extremely frustrating. I've lost sleep over this. I've canceled events and activities, afraid I will still have to pay that debt payment next month. I just shut down my website. Canceled a campaign conversation with the ******* presidential campaign. Not doing your job has consequences, people. All this is because a bank doesn't do its job. I see they have had MANY complaints. I can't see how they could possibly have an "A" rating with the BBB. Regardless, please credit that money to my account ASAP.Business Response
Date: 05/20/2024
Thank you for reaching out to us. In order to research, please provide the exact amount of the check, the check number, when it was received, and the address to which it was sent.Customer Answer
Date: 05/20/2024
Thank you for your prompt attention. I just called Service Link, the title company that issued the check. They said check #********** in the amount of $19,244.00 was mailed on May 4th to Lightstream, ****************************. Service Link advised me, if you are unable to track down the check, then to wait 30 days, which is okay with me, but I hope you are able to find the check before then.
Thanks very much,
*******************
Business Response
Date: 05/22/2024
The check payment was received and applied to your account. Any overages will be refunded to you via check and mailed approximately ten business days from May 21, 2024.Initial Complaint
Date:04/15/2024
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.
The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT .According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 USC 1681 have the right to privacy According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. Inaccurate Information on my credit report is causing me financial distress The credit bureaus have no respect for the laws.Someone needs to hold them accountable for this. Please DELETE the fraud Account from my credit Report does not relate to any transactions that I have made. DELETE / REMOVE ACCOUNT ********************************** Amount:$50218 Date:3/12/2024 Acct:LS8480XXXXBusiness Response
Date: 04/17/2024
Your request has been escalated to the Fraud and Dispute teams for further review.Initial Complaint
Date:04/12/2024
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.
According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 USC 1681 have the right to privacy According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. Inaccurate Information on my credit report is causing me financial distress The credit bureaus have no respect for the laws.Someone needs to hold them accountable for this.Please DELETE the fraud Account from my credit Report does not relate to any transactions that I have made. DELETE / REMOVE ACCOUNT Immediately.The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT .LIGHTSTREAM Amount:$50348 Date:3/1/2024 Acct#**********Business Response
Date: 04/17/2024
Your request has been escalated to the Fraud and Dispute teams for further review.
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