ComplaintsforAmONE

• Initial Complaint

  02/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  *************************: ******************, Im not going to go through with this loan offer. To date, there has been no completed loan fulfillment documentation or disbursement of funds in my account. January 31st, ****, you threatened to charge me $345.00 for canceling a proposed loan online. However, after reviewing the document I signed, I see nothing in the document that states there would be this charge for canceling the loan before any funds have been deposited. The only statement I saw regarding canceling the loan states in item #6. Very clearly stated, it specifies once the deposit is done.To date, there has been no finalization of this proposed loan, and no deposit has been made. Therefore, there should be no charge incurred since nothing has been finalized or funds deposited, and Im notifying you early in this process while still talking with you about what is necessary.I cannot meet any of the conditions for securing this loan, so I am forced to cancel the application before anything has been finalized and funds have been deposited. I believe you, AmOne, (LendingClub) are fraudulent and seeking to deceive those seeking honest financial help. The Better Business Bureau that serves *********, **. ***** has not accredited this business and customers only give one out of five on the review scale. AmOne has had eight complaints in the last 12 months.******************************************************************************************************* Please close my proposed loan request since nothing has been finalized or funds deposited, If you do not and charge me any type of amount just for talking with you, I will have to seek legal counsel and take actions against you, AmOne, and LendingClub. *** filed a complaint with the BBB of ********* and will continue to file complaints with the Office of the Attorney General, in addition to the ************************* If you still pressure me, I will seek the assistance of legal counsel against you. AmOne, and ***************

  Business response

  02/12/2024

  ************,
  
  Were sorry for the confusion, however, AmONE is not a lender,thus does not fund loans. We are a matching service provider that matches consumers with the best loan or other financial option for their situation.
  Upon reviewing your file, you spoke with one of our Specialists, ******, on 1/31. He transferred you to our partners at ************************ as a means to consolidate your debt. You did not move forward with this option, however. That was the only conversation he had with you on 1/31. ****** did not threaten to charge you for canceling a loan, again, since we are not a lender.
  If you feel like you could be the victim of fraudulent activity, we highly encourage you to reach out to your local authorities to report the situation. Please have them contact us at ************** or via email at ******************************* if there is anything we can do to help. 

• Initial Complaint

  12/06/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Received a call saying they would help find us a debt relief vendor. They transferred su to someone who took our call and then hung up when they confirmed a bunch of our information. This place is a scam and now has our information.

  Business response

  12/12/2023

  *********, we are unable to locate a file in our system using the contact information included in your review. Please provide the phone number or email address used on your application with AmONE so that we can look into this situation. Thanks!

  Customer response

  12/12/2023

   
  Complaint: 20969800
  
  I am rejecting this response because: phone number used was ************.
  
  Sincerely,
  
  *************************************

  Business response

  12/14/2023

  Thank you for that information. We do have an application in our system under that phone #, however, the name doesn't match yours which is why we were unable to locate the application initially. Your AmONE Specialist, Tavan,  attempted to reach the individual listed on the application later on 12/6, however, received voicemail. He also sent several emails to that person as well.

  The partner he transferred to was ********************. The representive's name was ****. Feel free to reach out to him directly. All of the information is contained in the emails you should have received.  If you have any further questions, please contact ***** directly at the number he provided via email.

• Initial Complaint

  12/01/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Starting in September 2023 I started receiving phone calls & text messages messages from this company asking for a ******. Multiple calls a day at all times. I have explained MULTIPLE times I am not nor do I know a ******. I asked for my number and information to be deleted from their system. They simply apologize and hang up. Once a lady offered to remove my information and said she had multiple applications with my number connected to a ******. I asked her to remove them all and make note I am not applying for anything. If loan applications are being done with my information and it's not being deleted from the system, I will be taking further steps to get this taken care of. If a lawsuit needs done for harassment and identity theft then I can move forward with that. AmONE needs to do us both a favor and delete my information and prevent any further applications being submitted with my information.

  Business response

  12/12/2023

  We apologize for the confusion, *********. After researching the situation, we found multiple applications from a consumer with the first name of ****** whose phone # was one digit off of yours. The applications dated from Sept - Nov. It appears that this customer made a typo in the phone # field resulting in our calls to you. I confirmed that your number has been added to our Do Not Call list so you should not receive any further calls from us. Again, we apologize for the confusion. 

• Initial Complaint

  11/02/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I applied for a credit card consolidation loan through Credit Karma. I was denied. I was told that I had no options. I was not surprised. I then received a phone call from this company and they asked if I had time to discuss loan options. I stated that I would discuss loan options only but did not want to discuss credit counseling or debt negotiation. I made that VERY clear. I asked him to clarify that he was ONLY speaking to me about a loan and he agreed. I told him that I had been denied, and he said " well, sometimes the system has more options in person" He asked me some questions, then said "great news! You have been approved for a line of credit at 6 percent! Can I transfer you over?" I smelled a rat because there are LITERALLY no cards offering anything less than 12 percent at the moment, but I said ok, the lady who answered said "Hello, welcome to credit counseling, I said "I thought I was here to discuss a loan" she said "No, unfortunately you have been denied". So, basically, they just put MORE hard inquiries on my already s***** credit score and just completely demolished any chance I had of getting a loan. I completely lost it. This is so predatory, many people are unaware of the damage that credit card negotiation can do to your credit score. I almost fell into the trap last year and had signed the papers. I was not told that they literally would not be paying my cards, they just told me that they would be negotiating a better rate for me. That is it. Had I gone through with it, my credit would have been destroyed. These businesses are predatory and need to be stopped. There needs to be more help for Americans in debt.

  Business response

  11/13/2023

  ********, we listened to the recorded call between you and your AmONE Specialist, ****, from 11/2. Please keep in mind that our Specialists dont know which options our system will present to them until they have gone through our qualifying questions. **** attempted to articulate that when you asked if he would only be speaking with you regarding a loan, however, he could have been more clear in his efforts. Also, once he completed the questions and was presented with the options from our system, he could have been more thorough in describing the product he was presenting to you. It was not a line of credit as you mentioned, rather a debt management program with interest rates that range between 6-10%. Again, **** should have recalled your comments from earlier in the conversation or at least acknowledged them before presenting the option to you. We apologize on his behalf for any confusion. We spoke with **** about this and have coached him on his areas of opportunity.

  
  AmONE has been in business over 23 years and helped over 50 million consumers get matched to their best financial options. Were sorry our service didnt provide you with your desired results, however, please keep us in mind if something changes. 

• Initial Complaint

  10/21/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Ive requested AmOne on multiple occasions to close my online account and delete any unnecessary personal information. To this day, my account and information is sitting open and vulnerable to the next data breach. This leaves my (as well as yours) credit and identity at risk.The reason being, they prefill your information allowing anyone that guesses your password, breaches company servers, or gains unauthorized access to your account full access to your credit and loan options as well. My own assigned agent has ignored my contact attempts. This request for closure and deletion is simply for my online member access account (Not a loan or credit line in anyway). I never used the service.

  Business response

  10/23/2023

  ************************,

  We apologize for misunderstanding the request you sent to your Matching Specialist in August. She unsubscribed your file which prevents any future calls from our company, however, didn't take appropriate action to fully close your account. Requests such as this must be generated directly from the consumer via a link provided by us. I just sent you an email titled "AmONE - Your Request for Information". Please select the appropriate link based on your request and your account will be handled appropriately. Please reach out to us at ******************************* should you have any further questions. Again, we apologize for any inconvenience this may have caused. 

  Sincerely,

  Your AmONE Team

  Customer response

  10/25/2023

   
  Complaint: 20764258
  
  I am rejecting this response because:

   

  Thank you for your response. 
  

  I have requested account closure twice via the links provided. As Im sure youre aware, both have been denied. If AmOne is unable to delete my personal information, please simply deactivate my online profile. Otherwise, use CCPA if allotted. 
  
  Sincerely,
  
  ***********************************

  Business response

  10/30/2023

  I confirmed with our legal department that we are not able to delete customer's account due to the reasons provided in the email sent to the customer. Unfortunately, I also dont have a way to deactivate a customer's online profile. *** advised ************************ of this and sent him our privacy notice so he can see how we handle customer data.

  Customer response

  10/30/2023

  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

  09/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Company advertises like they provide financing and loans for people with bad credit. Was advised they had no options for me because the minimum acceptable credit score is 650. Do not believe they are truthfully advertising. If 650 is the threshold for offering personal loans, they should advise consumers prior to submitting applications of the credit score threshold necessary to receive financing. I Believe they are falsely advertising they assist people with bad credit.

  Business response

  09/12/2023

  *******,

  Were sorry you were not completely satisfied with your experience with our company.

  Regarding your concerns, we listened to the recorded call that took place on 9/7/23 between you and our Loan Matching Specialist, *******. He made no mention of a minimum credit score required to obtain a loan. Is it possible you have us confused with another company? Please contact us directly to discuss further or email us at *******************************.

  Sincerely,

  The AmONE Team

• Initial Complaint

  05/20/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I was referred to this company by Upgrade after being denied by Upgrade for a ****** installment loan. My credit score was at 611 after being a victim of identity theft I was following the recommendation from Upgrade and Experian to help me with restoring my credit because I am not computer savvy and didn't know how to get certain things resolved. I came to these companies in GOOD FAITH and after following the recommendation of Upgrade Team and being denied they referred me to Amone stating that they were a partner company and with a 97% approval rate and I filled out a application for Amone just to be denied by Amone. They referred me to another partner company 5k and I followed their recommendation and I have to say too my horror I was getting emails from companies that were not reputable and very questionable and never had a legitimate business address or phone number. When I called them they denied that 5k was reputable according to them. I sent Several emails expressing my concerns and I NEVER received any response to my emails and the process still continues. I contacted both Upgrade and Amone and nothing. I called again and I was then told that If I was too contact Lexington Law another partner companies and paid for their services I would be able to get the installment loan just to get denied again and after paying for the services that was down in a process that was lengthy and I meanwhile it would take a month to month fee that was pricey and no results but my credit score spiraling down. No one honors what they say and misleading information and unethical practices in which is not in good faith. I entered in good faith and expressed my situation and and followed the recommended steps from this business and they referred me to partner companies in which is questionable and I want them to have those credit inquiries on my bureau removed from all 3 and be held accountable for their unethical business practices and honors what they say and reimburse me for any services I paid for to there partner companies.

  Business response

  05/22/2023

  *******,
  We apologize for your frustration. Please allow us to attempt to clear things up for you.
  
  Upgrade is a valued partner of ours. When they are unable to assist a consumer, they refer them to us at AmONE. Our approach is simple to try find the best financial match for a consumer based on their situation. We dont provide approvals or denials so your comments regarding the 97% approval rateand being denied by AmONE are confusing. After reviewing your file and listening to the recorded conversations between you and our representatives, we see that we referred you to Lexington Law due to your credit then emailed you an option for 5KFunds. Please keep in mind that 5KFunds, like many financial service companies these days, operates exclusively online. They are only reachable via email. During a conversation you had with one of our **************** Representatives,he provided you their email address so you would be able to contact them. Regarding your comment on being told that if you paid for ********************** you would obtain the installment loan, unfortunately, we dont have any record of that taking place. That did not come from any of our employees.   
  
  We identified one opportunity area on the part of the Loan Matching Specialist you spoke with. She inadvertently misspoke and advised you that you would immediately get new options after speaking with Lexington Law.This is not the case. It takes time for Lexington to work on credit reports and for your score to improve. Unfortunately, the Specialist you spoke with no longer works for AmONE, so we are unable to coach her. We apologize on her behalf, however.***** from that, we found no other wrongdoing or flaws in our process. Unfortunately,we dont have the authority to remove credit inquiries nor to reimburse you for any funds paid to partner companies. You would need to contact them directly to discuss that.
  
  Again, we apologize for any confusion, but hope that weve cleared some of it up in our response. 

  Customer response

  05/25/2023

   
  Complaint: 20084125
  
  I am rejecting this response because: I find it very convenient that the employee no longer is employed by this. I have expressed from. DAY ONE that I was not computer savvy and I was not able to get started in restoring and I was following the recommendation from EXPERIAN and UPGRADE because they specialize in this. 

  The stress of this situation and the fact that I was passed to partner to partner I was under the impression that I was doing the necessary steps for me to get my credit score restored but it did the complete opposite. 

    The employee in question was representing the company and was giving me information and I feel that her as a representative and employed her information and recommendation should be honored by the company she was representing and the company should stand by their employees. I have been straight forward with all the information and obstacles in the process and I entered in good faith and AmOne should be held accountable for their employees at the time and just because this employee is no longer employed does not change the fact that she representing AmOne and I want them to be accepted responsibility for their employees and the company be responsible. I can say I understand the partnership with  Upgrade because the way both companies refuse to accept the responsibility of employees and their handling of emails by not addressing any emails and their failure to resolve any issues. AmOne has ignored every email I sent. 

    If AmOne is confident that their partner companies can provide what another partner company is recommending and providing the information and knowing what the situation is and a representative from the company is instructed step by step they should honor what they promised. It's only ethically right.

    Yes I had a choice but I was a victim of identity theft that has been extremely stressful because my lack of computer savvy and I should not have to be discriminated against and punished for not being computer savvy. I paid for membership and went through extreme process to become a customer and I was told that I was going to get assistance through this identity theft  crisis and I got the complete opposite. 
  
  Sincerely,
  
  *****************************

  Business response

  06/01/2023

  *******,
  
  We apologize for any undue stress that your situation has caused you.

  
  As mentioned previously, however, the only thing our employee misstated was that you would be receiving new options after speaking with Lexington Law. She should have been more specific in letting you know that you would need to wait some time for Lexington Law to assist in repairing your credit for this to happen.

  
  We stand behind our employees 100% whether they are current or past employees. Unfortunately, we are unable to generate loan options that dont currently exist. Once you have worked with Lexington Law, however, you can reach out to ** again to see if your score has improved enough to generate new options. We would love to be able to help!
  
  Sincerely,
  The AmONE Team

  Customer response

  06/06/2023

   
  Complaint: 20084125
  
  I am rejecting this response because: You have demonstrated the lack of professionalism in every way possible and you fail the integrity that your company represents.i was a victim of identity theft and I had no idea what to do or where to begin.i went to companies that are familiar with the situation.i enter in good faith and I trusted that I was going to resolve the situation with their guidance for you to state that I was a able to get it resolved by myself was not possible. When I reached out to you about my concerns you ignored every email from me and I then called you about it and was treated with the lack of professionalism and prejudice against me and I trusted that you as a partner company of my financial institution I was in good hands and I had nothing to worry about. The situation began to alarm me when I kept getting passed on to another partner company and then another partner company and it was all at a price with misleading information and I was with the understanding of the outcome if I followed your recommendations Apparently I was mislead by a former employee of yours and that individual did not act in good faith and mislead me and you are not standing by your employees if you ignored this situation.i enter this situation with a credit score of 611 that I was able to do on my own and when I was referred to you and your recommendations to 5k and Lexington law everything went down and the lack of professionalism and compassion or anything ethical principles went downwards and ignored.im not the only consumer that has had problems and I should not be punished for not being computer savvy and discriminate against when I reached out in good faith and I was trying to get my life back or close to from the nightmare that I was faced with that I had no control over and I can say I have demonstrated that I was always forthcoming with the situation 
  
  Sincerely,
  
  *****************************

• Initial Complaint

  02/23/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  This company is allowing someone to steal my phone number. I have been bombarded by calls and texts that come in at all hours asking for someone named ******** about their appointment. I told someone who called that I am not Richmond and this is not their phone number, but they wont stop contacting me.

  Business response

  02/24/2023

  Upon further research, this consumer's phone number was included on an application for another consumer (*******************). We are unable to determine why this other consumer input an incorrrect phone number on his application. The phone number, however, was unsubscribed on 2/21/23 when our representative spoke to the individual who wrote this complaint upon his request. Any phone calls erroneously made to the individual who wrote this complaint were done within the acceptable calling times allowed by Federal law. I have confirmed that the phone number in question, ************, has been added to our Internal DNC List.

  Customer response

  02/25/2023

   
  Complaint: 19453890
  
  I am rejecting this response because:

  I am still receiving text messages from the business. See attached.

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

  Business response

  03/03/2023

  The *** you received was not from AmONE. This has been verified with our IT team. Your phone number was previously unsubscribed from ***. 

  Customer response

  03/03/2023

  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,
  
  *******************************

*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. ↩