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Business Profile

Loans

Northern Star Lending

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Loans.

Complaints

Customer Complaints Summary

  • 16 total complaints in the last 3 years.
  • 9 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:07/05/2025

    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 requested a loan and was not in formed that it was gonna cost ***** to get a 600 dollar loan I called back and asked to have it canceled the guy on the phone said no problem and now there is the money in my account can I send it back to you guys or what do I need to get my lawer involved because I'm sure this is a scam I was assured that the contract had been canceled please contact me ************

    Business Response

    Date: 07/15/2025

    Please see attached response. 

  • Initial Complaint

    Date:05/30/2025

    Type:Service or Repair 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 a loan with Northern Star Lending. They gave me account# ************. I missed payments and they wanted to do a voluntary wage assignment. I revoked this by writing a letter and mailing a copy and by emailing it to the email address provider of *********************************** I was able to work out a monthly payment plan of $50.00 per month. Originally, they were taking $80.00 -every two weeks. Payments have been coming out of my bank account every month since October 2023. I called *********** today, 05/30/25, to get a balance and the representative was unable to find my account at all. He looked by my name, the account number they gave me, the last 4 digits of my social security number, my old and new phone numbers, the last 4 of my bank account where the money is being drawn from and he could not find my account anywhere!!! They have been taking payments monthly and the last $50.00 payment was taken from my bank account on 05/15/25!! I told the representative that I revoked any and all ACH authorizations after he said that, but he wasn't able to note an account since he couldn't find one. I emailed ********************************** with my info and also revoked my ACH authorizations! I want them to close any account they may have against me.

    Business Response

    Date: 06/03/2025

    Please see attached response.

    Customer Answer

    Date: 06/03/2025

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    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. 

    Regards,

    ****** *****

  • Initial Complaint

    Date:03/30/2025

    Type:Service or Repair 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 applied for a loan, they approved me for a meager $300 with an insane interest rate. It was fine because I planned on paying it back right away, just needed it for an emergency. They had me sign a literal contract, made me enter in all of my banking information AND my debit card info and then after I did all of that they denied my loan for no reason and didnt even tell me. I had to ask them why my money hadnt been deposited. I turned down other loans for this one and now I have nothing and they have all of my banking information which is weird to ask for and then deny me. I feel like they have this as a front to steal peoples information. I want the loan that I signed a contract for which is legally binding, just as it would have been if I didnt hold up my end of the deal.

    Business Response

    Date: 04/01/2025

    Please see attached response. 

    Customer Answer

    Date: 04/01/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

    I received the adverse action notice, all it says is that my application was incomplete. I wasnt ever given the opportunity to provide any other info AND again as stated I had already signed the contract and given you ALL my banking info so not sure what more you wanted. At this point I think Im being discriminated against. 

    Regards,

    Drew Israel

    Business Response

    Date: 04/07/2025

    Please see attached response. 

    Customer Answer

    Date: 04/07/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

    You shouldnt be able to take all of my banking and debit card info if you dont have enough information about me. Really shady. 

    Regards,

    Drew Israel

    Business Response

    Date: 04/09/2025

    Please see attached response. 

  • Initial Complaint

    Date:03/29/2025

    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.
    Subject: Dispute of Collection Account Fraudulent Account Dear ******************** LLC,I am writing to formally dispute the collection account listed on my credit report under the Fair Credit Reporting Act (FCRA). I believe this account is fraudulent and was opened due to identity theft. I did not open this account nor authorize any transactions related to it.Disputed Account Details:Account Number: Unknown Amount Owed: Unknown Collection Agency/Creditor Name: Northern Star Lending LLC Date of Reported Error: March 29, 2025 Reason for Dispute: Fraud/Identity Theft Please provide the following documentation to assist in your investigation:Proof of ownership of the account.A detailed payment history and breakdown.A copy of the original agreement with my signature.Under the ***** I request a response within 30 days. If this account cannot be verified, I ask that it be removed from my credit report. Please provide written confirmation and the requested documents.Thank you for your prompt attention to this matter.Sincerely,********* ******

    Business Response

    Date: 04/01/2025

    Please see attached response. 

  • Initial Complaint

    Date:03/04/2025

    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 took out this loan in September of 2024 due to losing my place of living. I took a 250 dollar loan out which I never received a single email of confirmation or any information on the agreements. I was told i could pay off the loan early and only being charged ***** a month. They have been charging my account twice every month since then. The company called me yesterday saying they couldnt receive my payments due to my account being overdrawn after I had lost my job on the second of February 2025. But when looking at my bank statements they had still been taking the money and I was being charged for over draft fees as well. Was told I could pay off my loan for a flat rate of $570. They have already taken over $800 out of my account and when I request the application I had signed all they sent me was a email regarding the payment plans. And upon talking more with the representative after 45 minutes was informed the interest rate was %770 which I would have never agreed to sign a loan for that little amount of money. And have no proof I agreed to the loan and have still yet to receive an email that shows I did sign

    Business Response

    Date: 03/06/2025

    Please see attached response. 

  • Initial Complaint

    Date:02/07/2025

    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 applied for a loan and wanted to know about early pay off I contact there chat online the lady ***** told me I had to sign the document to get repayment information and then finally approve the loan, this was an absolute lie to trick consumers into taking loans from this company I have this all screen shotted ***** also refused to cancel the loan and give me a manager or resolution department she provided a email and a phone number that went straight to voicemail I also filed with the department of financial protection in the state of California as well for this clear lies told to gain trust

    Business Response

    Date: 02/10/2025

    Please see attached response. 

  • Initial Complaint

    Date:02/07/2025

    Type:Service or Repair 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 knew it was a high interest loan when I took it but I needed the money. However I am ready to pay it off and they would let me pay it off and stop my auto-payments. They mentioned there is no penalty for early pay-ff but with calls and emails this doesn't seem possible.

    Business Response

    Date: 02/10/2025

    Please see attached response. 

    Customer Answer

    Date: 02/13/2025

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    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. 

    Regards,

    ***** ******

  • Initial Complaint

    Date:01/30/2025

    Type:Service or Repair 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 took out a loan 750 and have paid over 800 and was told I still have over 1000 dollars to pay. I have not been sent any invoices, I can't go to a website and sometimes I can't get anyone on the phone I was told into email for customer support. I am very unsatisfied and feel like I have been scammed. The interest rate is well over 100% and I feel like I'm am going under!

    Business Response

    Date: 02/04/2025

    Please see attached response.

  • Initial Complaint

    Date:09/28/2024

    Type:Service or Repair 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 have used this company a few times this past year and they have been charging me over 770% interest rate and comes to find out after talking with my uncle who works at a nationwide lawyers office he informed me that this is illegal in *************. He told me that they cannot charge me a high interest rate while I reside in **. I have had to use them for emergency funds for my mother's medicine she needs to keep her alive. This company preys on the vulnerable and I hope we can come to a compromise before I take legal action and write reviews wherever I can. Thank you .

    Business Response

    Date: 10/04/2024

    Please see the attached response. 

    Customer Answer

    Date: 10/04/2024

    Better Business Bureau:



    I have reviewed the response made by the business in reference to complaint ID 22354112, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
    Tribal laws do not trump state laws. I have spoken with a lawyer and this loan and all my other loans I have gotten from Northern Star Lending  is illegal in the state of NH. I am will to pay back my principle minus all the illegal high interest rate that I have paid in the past. I would need that in writing to proceed.  Please let me know if this is something we can settle without being named in the class action lawsuit my uncles nationwide lawfirm is about to file. My mother is in desperate need of her medication and this is why I have needed these loans. I have run out of things to pawn and I would like to just pay back the principle minus the illegal interest you guys have collected from me.




    Regards,



    Brandon Caggiula

    Business Response

    Date: 10/07/2024

    Please see the attached response. 

  • Initial Complaint

    Date:07/12/2024

    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.
    06/03/2024- loan amount of $1325 As of 07/11/2024 I have made five $201 payments totaling $1005.I was informed by a Northern Star Lending representative when I called to see how much remaining balance was left so I could pay off early. Was told my current balance was $1375. I asked the representative why my $1005 was not applied and he did not want to answer. He finally told me $30 has went to the balance out of the $1005 I paid. He then offered to cut my loan fees by 50% which I found a big red flag, after I told him the allocation amount wasnt listed on the contract. So he offered to cut my Loan fees by 50% and find a more affordable payment plan but never offered paying off early as an option.

    Business Response

    Date: 07/22/2024

    Please see the attached response.

Northern Star Lending is NOT a BBB Accredited Business.

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