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Business Profile

Loans

Birch Lending

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Loans.

Complaints

Customer Complaints Summary

  • 59 total complaints in the last 3 years.
  • 26 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:02/22/2024

    Type:Customer Service Issues
    Status:
    Unanswered
    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 will not disable login information for account that I dont want anyone to be able to access. I am worried for the security of my identity information, if a hacker gets ahold of my email and just the last 4 digits of my social, they can log into the account without any issue and do as they please with my financial info. **************** claims they cannot disable the account log in.

  • Initial Complaint

    Date:02/20/2024

    Type:Service or Repair Issues
    Status:
    Unanswered
    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 signed a loan agreement for a small just over $1400 loan and the original interest rate was roughly 25 percent. I have made multiple payments towards the loan at $275 per payment. The company is now telling me my interest rate is over 500% and my total amount is be paying is $8810! This is absolute robbery. I asked why it was so high after I signed the documents and they said it had been that all along yet that is not the agreement I had signed. Had it been that when I applied for the loan I NEVER would have pulled the loan. Under the ***** law they should not be allowed to charge over 500% in interest neither does it make any sense. I know I am not the first to have this issue as I have seen many reviews and complaints against them from others.

  • Initial Complaint

    Date:02/17/2024

    Type:Order Issues
    Status:
    Unanswered
    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 small loan of $800 and Ive already paid back with interest and the company wants to charge me an additional $1100 to pay it off I keep falling behind in other areas.

  • Initial Complaint

    Date:01/24/2024

    Type:Order Issues
    Status:
    Unanswered
    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.
    They have not been true to my payday on my original contract. They are are saying I owe accrued interest that wouldn't have been accrued if they didn't change my payday on original contract. They also lied about how much interest would be owed on newly agreed upon payday before my agreement, now making it impossible to pay. I would like to pay my loan off and be done with this scam

  • Initial Complaint

    Date:01/19/2024

    Type:Billing Issues
    Status:
    Unanswered
    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 with Birch Lending for $1,200 in November. I didn't know my payment amount until later, after they deposited the money into my account. The interest rate is 555%, which makes my total loan repayment at $11,000. I cannot fathom paying this company $690 a month for 16 months - this feels like an act of robbery and I cannot believe these people fall asleep soundly at night collecting these types of amounts from people. I couldn't even access my account for the first 30 days of the loan because I couldn't get information on my account. They are difficult to get on the phone and when you do get on the phone, they hang up, or offer ZERO help. I offered to pay an additional $690 after I already paid $690 to them and they declined. I am at a loss of words on how to proceed. I did not approve 555% for an interest rate, as I cannot afford it. I wouldn't have agreed to this obscene amount.

  • Initial Complaint

    Date:01/01/2024

    Type:Order Issues
    Status:
    Unanswered
    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 $1,470 dollar loan and now have to pay around $8,000 dollars for the loan

  • Initial Complaint

    Date:12/29/2023

    Type:Order Issues
    Status:
    Unanswered
    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, like so many that have complained here got a a small loan from this company. I initially thought the APR was 46%! I was upset about this but planned on paying it off quickly. As the first payment time approached I was able to download the agreement and noticed that the APR was 461%!! Unbelievable. I will be paying ONLY the amount I receive in FULL tomorrow any further action taken against me will result in a lawsuit!! Tribal??? Bullshit!!

  • Initial Complaint

    Date:12/27/2023

    Type:Billing Issues
    Status:
    Unanswered
    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 DEC. 26TH I CHECKED MY ************* CHECKING ACCOUNT WHICH WE HAVE POA/DURABLE POA. A ACH OF ****** WAS TAKEN OUT OF HIS ACCOUNT FROM ********************** TREE LENDING. WE NOR HE DID NOT REQUEST A LOAN OR ANYTHING FROM THIS COMPANY. DUE TO MY ************ HAVING SLIGHT DEMINTIA WE ARE ASSUMING HE HAS GIVEN HIS ACCOUNT NUMBER TO SOMEONE FROM THIS COMPANY OR PRETENDING TO BE FROM THIS COMPANY OVER THE ****** I TRIED TO CALL THEM NUMEROUS TIMES AND EVERYTIME I GOT AN AGENT THEY WOULD HANG UP ON ME. THEY ARE PREYING ON THE ELDERLY. I COULD WRITE A BOOK ON HOW MANY TIMES HE HAS BEEN SCAMMED FROM NUMEROUS PEOPLE PRETENDING TO BE COMPANIES OR A LOVED ONE HURT ASKING FOR MONEY! PLEASE LOOK INTO THIS FOR US, WE ARE IN THE PROCESS NOW OF TRYING TO GET HIS MONEY REDEPOSITED INTO HIS ACCOUNT. IT HAS BEEN A MESS. PLEASE HELP IF YOU CAN. HIS NAME IS : *************************************** ********************************************************************* MY HUSBAND WHO IS HIS ELDEST SON AND I ARE IS CAREGIVERS. THANK YOU, ***************************** ************

  • Initial Complaint

    Date:12/26/2023

    Type:Order Issues
    Status:
    Unanswered
    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.
    Unsure of when started. Lost Job and took a small loan of $1000 to help with bills until I found a new job. I was not told it would be 2 payments. A month for 2 years. I have well paid my debts and getting gouged with an asinine interest rate that is well over state maximum. **** also be filing a complaint with the state as well to get this corrected.

  • Initial Complaint

    Date:12/23/2023

    Type:Service or Repair Issues
    Status:
    Unanswered
    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.
    Was desperate and needed to pay bills so I got a $2500 loan and had full intentions to pay it back within a month or 2, little did I know that the contract has a lot of sneaky verbiage, and my interest rate was ******%. They let you make extra payments but they will not lower your recurring payment which is $475.72 every 2 weeks when the way I read it was $475.72/month because they wont show you the list of future payments. So $951.44/month for 4 months now and it doesnt change, I cant realistically keep paying that, and they dont let you look at what % is going to interest per payment. Their website is very vague and bare minimum. Basically now I cant even pay the pay off amount which is $2770 and with all the remaining payments Ill end up paying $15,105 for a $2500 loan. This is some true sneaky sleazy fraud going on, and people should be aware before they make the worst decision of their lives. Something needs to stop all of these crooks

Birch Lending is NOT a BBB Accredited Business.

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