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Business Profile

Loans

WithU Loans

This business is NOT BBB Accredited.

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This business has 1 alert

Complaints

Customer Complaints Summary

  • 369 total complaints in the last 3 years.
  • 122 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:11/20/2024

    Type:Billing Issues
    Status:
    Answered
    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 has been constantly calling on an almost daily basis and leaving messages about my "account" and requesting I call back.

    I NEVER applied for any loan, and REFUSE to provide them my personal identifying information to "verify" my identity.

    I demand this company immediately stop calling me and that they correct their records to reflect that I did not apply for any type of loan.

    If they do not immediately comply, I am prepared to file additional complaints with any other agencies having oversight of financial institutions.

    Business Response

    Date: 11/22/2024

    W6LS, Inc.
    dba WithU Loans (“WithU Loans”) is in receipt of complaint ID ******** filed by **** ********** regarding a loan he states he did not request.
    Please be advised, WithU
    Loans takes allegations of identity theft seriously and in order to prevent
    fraud, the applications require personal identifying information that should
    only be known by the applicant. All claims of fraud are thoroughly
    investigated, and individuals are asked to provide evidence to support their
    claims.
    In accordance with WithU Loan’s fraud
    process, WithU Loans has initiated a
    fraud investigation and is reaching out to *** ********** so that the matter
    can be reviewed further.
    WithU
    Loans trusts that the information provided is sufficient to close the
    complaint. If *** ********** has any additional questions or concerns, he is
    invited to contact WithU Loans directly at
    ************ or via email at *************************.   

  • Initial Complaint

    Date:11/17/2024

    Type:Billing Issues
    Status:
    Answered
    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.
    Company won’t give me access to pay off my loan and keeslps charging me every week.

    Business Response

    Date: 11/22/2024

    W6LS, Inc.
    dba WithU Loans (“WithU Loans”) is in receipt of
    complaint ID ******** filed
    by ***** ******** regarding
    website account access and the terms of the Loan
    Agreement.

    Please be advised, WithU Loans provides customers with
    interest-bearing installment loans and the terms, payment schedule, and cost of
    the loan are disclosed in accordance with the Truth in Lending Act (“TILA”).
    We have reached out to *** ******** and are working with him directly to
    resolve his concerns.

    WithU Loans trusts that the
    information provided is sufficient to close the complaint. If *** ******** has
    any additional questions or concerns, he is invited to contact WithU Loans directly at
    ***********4.

  • Initial Complaint

    Date:11/15/2024

    Type:Billing Issues
    Status:
    Answered
    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 loans interest rates exceed 300% and I was not notified of this until the loan had deposited into my bank. I have revoked ach payments and under my state laws this loan is void and I don't have to pay anything

    Business Response

    Date: 11/20/2024

    W6LS, Inc.
    dba WithU Loans (“WithU Loans”) is in receipt of
    complaint ID ******** filed
    by ***** *** regarding
    the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with
    interest-bearing installment loans and the terms, payment schedule, and cost of
    the loan are disclosed in accordance with the Truth in Lending Act (“TILA”).
    We have reached out to *** *** and are working with him directly to
    resolve his concerns.

    WithU Loans trusts that the
    information provided is sufficient to close the complaint. If *** *** has any
    additional questions or concerns, he is invited to contact WithU Loans directly at
    ************.

    Business Response

    Date: 11/27/2024

    W6LS, Inc.
    dba WithU Loans (“WithU Loans”) is in receipt of *** ***** rebuttal to complaint ID ******** regarding the terms of the Loan
    Agreement.

    Please be advised, WithU Loans provides customers with
    interest-bearing installment loans and the terms, payment schedule, and cost of
    the loan are disclosed in accordance with the Truth in Lending Act (“TILA”).
    As with all interest-bearing loans, the interest is accrued daily at the agreed
    rate disclosed in the Loan Agreement. The Loan Agreement is made available to
    customers prior to their electronically signing the Loan Agreement and before
    the proceeds are disbursed.

    WithU
    Loans trusts that the information provided is sufficient to close the
    complaint. If *** *** has any additional questions or concerns, he is invited
    to contact WithU Loans directly at *************

    Customer Answer

    Date: 12/06/2024



    Complaint: ********



    I am rejecting this response because: The loan was illegal for me to recieve and the interest rate was also illegal making it void in my state. I would like to hear zero contact from this business on this matter moving forward. It is unenforcable and illegal and any further action taken will be met with a reply from my attorney



    Sincerely,



    ***** ***

  • Initial Complaint

    Date:11/14/2024

    Type:Sales and Advertising Issues
    Status:
    Answered
    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 applied for a loan with WithU Loans. I signed forms agreeing to the terms and the amount they accepted me for. I put my bank information to have the funds deposited, however I received a call stating they could not deposit the funds because they don’t work with my specific bank and would need to send a check. I have not received any check. Now they are claiming that I am late on payments and owe them money when I do not. I have not received a DIME from them, so I will not be paying them anything. They are scammers and keep emailing and calling me for what they claim I owe. I want them to discontinue the agreement and quit harassing me with all the calls/emails.

    Business Response

    Date: 11/15/2024

    W6LS, Inc.
    dba WithU Loans (“WithU Loans”) is in receipt of
    complaint ID ******** filed
    by ******** ***** regarding
    the funding of the Loan Agreement.

    Please be advised, WithU Loans provides customers with
    interest-bearing installment loans and the terms, payment schedule, and cost of
    the loan are disclosed in accordance with the Truth in Lending Act (“TILA”).
    We have reached out to *** ***** and are working with her directly to
    resolve her concerns.

    WithU Loans trusts that the
    information provided is sufficient to close the complaint. If *** ***** has any
    additional questions or concerns, she is invited to contact WithU Loans directly at
    *************

  • Initial Complaint

    Date:11/13/2024

    Type:Product Issues
    Status:
    Answered
    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.
    Uloans is claiming there is a loan taken out in my name. I didn't ask them for any monies. They are not helping me resolve the situation

    Business Response

    Date: 11/15/2024

    W6LS, Inc.
    dba WithU Loans (“WithU Loans”) is in receipt of complaint ID
    ******** filed by ***** ***** regarding a loan he states he did not request.
    Please be advised, WithU
    Loans takes allegations of identity theft seriously and in order to prevent
    fraud, the applications require personal identifying information that should
    only be known by the applicant. All claims of fraud are thoroughly
    investigated, and individuals are asked to provide evidence to support their
    claims.
    In accordance with WithU Loan’s fraud
    process, WithU Loans has initiated a
    fraud investigation and is reaching out to *** ***** so that the matter can be
    reviewed further.
    WithU
    Loans trusts that the information provided is sufficient to close the
    complaint. If *** ***** has any additional questions or concerns, he is invited
    to contact WithU Loans directly at
    ************ or via email at *************************.   

  • Initial Complaint

    Date:11/12/2024

    Type:Order Issues
    Status:
    Answered
    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 ended up with alone unknowingly from with you loans a couple months ago. The loan was $1300. I have now paid well over $2000 back.. I have called several times to see if I could work something out with them. I’m not asking them for anything other than helping me figure out a way to pay this down without leaving me bankrupt taking $600 a month out of my account. I have a family to support and I’m taking that much money for me is leaving me struggling, they have not been willing to help me. They just tell me if I change my payment schedule. It’s just gonna cost me more money. I do not think that is right considering I have already paid well beyond what I borrowed. They would not give me another number to contact the corporate office or anything. They said I can send a letter if I really wanted to which I will be doing.

    Business Response

    Date: 11/15/2024

    W6LS, Inc.
    dba WithU Loans (“WithU Loans”) is in receipt of
    complaint ID ******** filed
    by ******** ***** regarding
    the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with
    interest-bearing installment loans and the terms, payment schedule, and cost of
    the loan are disclosed in accordance with the Truth in Lending Act (“TILA”).
    We have reached out to *** ***** and are working with her directly to
    resolve her concerns.

    WithU Loans trusts that the
    information provided is sufficient to close the complaint. If *** ***** has any
    additional questions or concerns, she is invited to contact WithU Loans directly at
    ************.

  • Initial Complaint

    Date:11/11/2024

    Type:Order Issues
    Status:
    Answered
    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 received a small loan of $400.00 from withU Loans. The agreement was for me to pay $46.24 per week auto pay from my bank account. The 1st week they took out the correct amount from my bank account. But by the third week they have taken 2 (two) payments a week out of my account. The agreement said for 1 (one) payment a week, not for two.

    Business Response

    Date: 11/14/2024

    W6LS, Inc.
    dba WithU Loans (“WithU Loans”) is in receipt of
    complaint ID ******** filed
    by ******* ********* regarding
    the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with
    interest-bearing installment loans and the terms, payment schedule, and cost of
    the loan are disclosed in accordance with the Truth in Lending Act (“TILA”).
    We have reached out to *** ********* and are working with her directly to
    resolve her concerns.

    WithU Loans trusts that the
    information provided is sufficient to close the complaint. If *** ********* has
    any additional questions or concerns, she is invited to contact WithU Loans directly at
    *************

  • Initial Complaint

    Date:11/07/2024

    Type:Customer Service Issues
    Status:
    Resolved
    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 contacted me via email advising me that my loan was approved. I never applied for a loan with this company. I replied to the email informing that I do not have a loan with them, the representative replied stating I need to fill out an affidavit reporting identity theft. The rep sent a copy of the loan agreement and the account that was funded does not have a name but simply states that the bank is *** *** ******. I called the company and was not given any assistance because they kept asking me to verify the account when in fact I don’t have an account with them to verify. So I emailed the affidavit again stating I do not have an account with PNC and I never applied for a loan nor was I funded any funds. I then asked what kind of company approved and funded a loan without check stubs or job verification. I have yet to be responded to.

    Business Response

    Date: 11/12/2024

    W6LS, Inc.
    dba WithU Loans (“WithU Loans”) is
    in receipt of complaint ID ******** filed
    by ***** ****** regarding a loan she states she did not request.
    Please
    be advised, WithU
    Loans has received sufficient evidence
    from *** ****** to conclude our fraud
    investigation. We have reached out to *** ****** and are working with her directly to resolve her concerns. 
    WithU Loans trusts that the information provided is sufficient to close the complaint. If *** ****** has any additional questions or concerns, she is invited to
    contact WithU
    Loans directly at ************.

    Customer Answer

    Date: 11/12/2024



    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:10/29/2024

    Type:Customer Service Issues
    Status:
    Answered
    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 company offered a $900.00 loan and I asked the customer service representative if I pay the $943.00 that was on the statement would that be the final payment. The customer service representative said yes. Here it is October and I'm thinking this is the last installment I would have to pay. I called the customer service line to see how much. They tell me it's about $943.00 and I have to pay 185 per paycheck until July 2025. COMPLETE SCAM ??

    Business Response

    Date: 11/01/2024

    W6LS, Inc.
    dba WithU Loans (“WithU Loans”) is in receipt of
    complaint ID ******** filed
    by ******** ********** regarding
    the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with
    interest-bearing installment loans and the terms, payment schedule, and cost of
    the loan are disclosed in accordance with the Truth in Lending Act (“TILA”).
    We have reached out to *** ********** and are working with her directly to
    resolve her concerns.

    WithU Loans trusts that the
    information provided is sufficient to close the complaint. If *** **********
    has any additional questions or concerns, she is invited to contact WithU Loans directly at
    ************.

  • Initial Complaint

    Date:10/28/2024

    Type:Billing Issues
    Status:
    Resolved
    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 obtained a $500 load awhile back. I paid off the remaining balance of ****** in one payment. They withdrew the payment as expected, but also took an additional payment in the amount of ******

    Business Response

    Date: 11/01/2024

    **********dba WithU Loans (WithU Loans) is in receipt of complaint ID ******** filed by ******* ****** regarding the amount owed to close the Loan Agreement.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (TILA).We have reached out to Mr. ****** and are working with him directly to resolve his concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If Mr. ****** has any additional questions or concerns, he is invited to contact WithU Loans directly at ************.

    Customer Answer

    Date: 11/04/2024

     
    Complaint: ********

    I am rejecting this response because: I specifically paid the amount listed as my payoff amount. The pay off was expressed as being the value as of the date my normal installment would be paid. There was no mention of an extra payment being taken. This is unethical behavior on part of WithU. They are obligated to refund extra payments. 

    Sincerely,

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

    Business Response

    Date: 11/14/2024

    **********dba WithU Loans (WithU Loans) is in receipt of ********** rebuttal to complaint ID ******** regarding the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (TILA).We have reached out to Mr. ****** and are working with him directly to resolve his concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If Mr. ****** has any additional questions or concerns, he is invited to contact WithU Loans directly at ************.

WithU Loans is NOT a BBB Accredited Business.

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