Complaints

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.

• Initial Complaint

  Date:04/27/2025

  Type:Service or Repair Issues
  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 business is yet, another one of those businesses that intentionally mislead potential customers into believing that they are finally receiving the help they so desperately need by repeatedly mailing out letters stating that said customer is approved for a loan. However, when the customer goes to the website, utilizing the pre approval code provided in the aforementioned letter to accept the loan, they deny you even before the full webpage is finished loading. Are they the only ones that do this heartless, predatory, practice? No. However, its BEYOND time that these types of misleading, unnecessary, scam-esque, types of tricks from these types of companies are exposed and ceased. Its hard enough in this economy, not only actually receiving the financial help, or life raft, if you will, that people DESPERATELY need, but also, to fully accomplish repairing your credit. So, to do these insensitive, unnecessary, scamming/misleading/tricking, types of operations, that causes even more damage to the credit youre attempting to repair is foul, repulsive, uncouth, and a few additional words I cant say here. So, if youre able to, go to and use another business that doesnt do the aforementioned negative practices. Go to and use a business that treats their customers in ways that show that they ACTUALLY care and want to help, opposed to simply get over on and trick you. Thank you for taking the time to read this. God bless.

  

  Business Response

  Date: 05/09/2025

  This client was unfortunately not meeting the credit requirements for the loan at the time the application was submitted.  A decline letter will be mailed to the client that explains this in more detail.  The submission uses a soft credit inquiry, which has no impact to the credit.  We wish the client the best in finding a solution.

• Initial Complaint

  Date:04/02/2025

  Type:Sales and Advertising Issues
  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.

  Classic bait and switch. Then use derogatory terms such as ****** and deadbeat. Say your "pre-selected" then say you don't qualify and try to sell you debt consolidation. Get aggressive when you tell them no. It's a scam don't do it.

  

  Business Response

  Date: 04/09/2025

  We conducted a quality assurance review of this complaint.  Unfortunately the client wasn't meeting the requirements for the loan at this time.  We did find the representative was unprofessional at the end of the call, and we have taken disciplinary steps to address that.  We take customer service complaints very seriously and swiftly take the appropriate action to address them.  Management called the client and left a voicemail apologizing for the unprofessional comment, and left a direct number the client could call with any further concerns or questions.  

• Initial Complaint

  Date:01/06/2025

  Type:Service or Repair Issues
  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 received an advertisement stating Ive been preselected for a personal loan. It lists starting APR at 5.99%. When they called me they tried saying I have poor credit and quoted me with a predatory rate of well over *****% APR. My credit score is over 700. They also have hidden closing fees. When I declined stating no way I can get much better loan terms elsewhere and declined. He offered to negotiate with my creditor as a debt consolidation company. I am well aware that those companies destroy your credit while they hold your funds until youve paid enough to pay off a debt. I would have never applied if I knew this company was a predatory lender. I feel the brochure mailed was misleading and false advertising. Id like them to remove the credit pull from all credit bureaus they pulled it from.

  

  Business Response

  Date: 01/08/2025

  Management reached out and spoke to the client regarding her feedback and concerns.  The credit check was a "soft pull", that won't show up as an inquiry, or have any impact to her credit whatsoever. 

• Initial Complaint

  Date:11/04/2024

  Type:Service or Repair Issues
  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.

  These people are using false advertising tactics. I was offered a loan, and then told I was only qualified for debt relief.

  

  Business Response

  Date: 11/05/2024

  Management attempted to call this client and left a message regarding his feedback.  The client applied for a loan but unfortunately wasn't meeting the credit requirements needed to secure a loan at this time.  He will receive a decline letter in the mail providing the details for the decline, but the client is welcome to call us back to verbally discuss any of the specifics.  It's not appropriate to provide them in this response.  Debt Resolution was merely mentioned as another option available for him to consider.  We encourage the client to contact us with any questions. 

  Customer Answer

  Date: 11/05/2024

  I was told a loan would be offered based on my monthly income, NOT creditworthiness. This is false advertising and it’s written in your ads. I’m taking this a step further, and contacting the district attorney to see if there’s legal action available. 

• Initial Complaint

  Date:09/07/2024

  Type:Billing Issues
  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 got nonstop mail offers in the mail by this slimy company. I was attended by ***********************. I was looking for a loan to consolidate debt that had accumulated during summer time plus invest in my own business as I am awaiting for a money settlement from my injury lawyer. **** was good until he went to underwriting. I got a separate email of him doing an analysis of my debt pulled from my credit report. He was talking so fast that he was forcing me to get without my consent into a debt consolidation program. I called it a scam as he talked fast and forcibly, and he got angry that he told me that no one would approve me of a loan. Before I could throw him a fit of insults at him for being humiliated after I explained my current financial situation, I hung up on him. I may also file and sue this company at civil court/consumer rights for this unprofessional and predatory behavior I will not stand for such white collar criminal act!

  

  Business Response

  Date: 09/09/2024

  Management spoke to the client today and advised we take customer service complaints very seriously, and we'll be reviewing the call in question.  We placed the client on our do not mail list moving forward.  The client appreciated our call and steps we're taking to address any mishandling.    

• Initial Complaint

  Date:08/15/2024

  Type:Service or Repair Issues
  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 continually sends me things after I have asked to not receive their garbage. PreSelected is just fancy misleading to Pre Approved. They dupe their customers to signing up for debt relief not a loan. The bait you with great repayment options and say you've been selected!! Like it's a prize. But in reality they sent it to everyone. Not as advertised, and reading the other complaints Im apparently not the only one this happens too. The way they operate is terrible. Which is misleading and scam likely. There are many companies like this and they should have to state on their mail that they are out to ruin your credit with the "relief" program. I take the continued mailing as harassment for not going with their program. STOP SENDING ME JUNK PLEASEEEE!! I know the scam and I am not having it. Junk mail should be illegal if we are trying to save this planet!! But this company doesnt care, and will spend thousands on JUNK MAIL to be sent out, and then pay it in fees from the people they trick. Please leave me alone, I dont want any part of your company! I want all my information removed from you systems, backup systems etc. My social, number, whatever you have on me delete it. I dont want my information in your hands and I dont want to be in contact with you at all. This is a scamming company, and should be ashamed. If I receive mail again or my information is still in your files I will take legal action! Thank you and goodbye.

  

  Business Response

  Date: 08/23/2024

  You have been added to all of our Do Not Call lists and will start to be worked out of the system. I imagine that after 30 days, you will never get something in the mail from us ever again. We are so sorry the inconvenience this has caused you. We understand how precious your mailbox is and having to discard these is an annoyance. It will stop!

• Initial Complaint

  Date:08/02/2024

  Type:Service or Repair Issues
  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.

  These people make false statements . First I got a letter in the mail , 2nd I called and the lady oddly asked me if I had over $12k in debt ,She then says well are you sure you have $12k in debt I said I dont know and agreed to the soft credit pull . They pull my credit say I dont have enough debt to proceed with a loan offer .. that was crazy why would I get in more debt ? Anyway 8/2/24 I get a call back from them, and they say they want to offer me and loan re Confirms if I got a letter in mail .which I said I did , however I express to her that I had already my credit pulled and did not want anymore hard inquiries on my credit . She reassured me everything will be fine and that they are a more lenient lender compared to others when it comes to credit history etc .. she asked how much I wanted to borrow I said $7500 she told me she was gone give my info to the under writers and if I wasnt approved that they would send me a email, then said if I was approved she was going to give a call back , I said okay . I received a call back and she stated that I was approved and that she was forwarding me to the financial manager to go over my loan terms . I get on the phone with this guy and he confirms to me that I had requested a $7500 loan .. and I said yes .. he proceeds to tell me well Im looking at your credit history and youve got about 10 accounts on your credit , and I said idk about 10 but yes thats why Im getting the loan , he says well unfortunately due to your credit history I cant get you approved for a loan with us but I can set you up on a repayment plan for $321 a month, how does that sound ? I said NO yall said I was approved for a LOAN ,not a repayment plan and thats not what I wanted to do . I would like to consolidate my debt on my own terms . These people lie , gather personal information under false pretenses and use manipulative tactics to enroll you in their program . They dont even offer loans forreal .

  

  Business Response

  Date: 08/07/2024

  Thank you for taking the time to provide your feedback, and sorry for any confusion.  The letter you received was an offer to apply, not a pre-approval.  Nowhere on the letter did it imply you were already approved, and the disclosure states loan approvals are based on each applicants credit and financial standing, and unfortunately, you weren't meeting the requirements for any loan options at this time.  Again, sorry for any miscommunication from our call center.  we will review and address any training opportunities found to help prevent any scenarios like this moving forward.  Note, the credit pull you consented to was a soft-inquiry, so it won't have any negative impact to your credit whatsoever.  If you would like to speak to a manager to get any further clarification, please give us a call.  Otherwise, you should be receiving a letter in the mail within the next 30 days explaining why you aren't meeting the requirements for the loan at this time.      

• Initial Complaint

  Date:05/15/2024

  Type:Billing Issues
  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.

  Simple Path Financial approached me for marketing an unsecured personal loan to reduce credit card debt. I expressed interest and possibly filled out a form. The said the underwriting report was completed and to set up a time to "discuss". At the onset of the phone call, they said they were on a recorded line, they then repeated my current exact dollar financial status into the phone 2x. I did not give them permission to: a. discuss my personal finances over the phone: b. Create a Financial Analysis of my debt and present it to me as a different company called Rescue One Financial and then present me with a debt consolidation offer,

  

  Business Response

  Date: 05/17/2024

  Thank you for your feedback.  Unfortunately, you weren't meeting the credit requirements for the personal loan at this time.  Alternatives options available through affiliates are presented for consideration only.  Your file has been cancelled, and you have been removed from future solicitations.  We wish you the best in paying down your debts and achieving your financial objectives.   

• Initial Complaint

  Date:04/09/2024

  Type:Billing Issues
  Status:

  ResolvedMore 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 was sent a letter offering a loan stating I was "guaranteed" a deposit to my bank account. I wanted to pay off some credit card bills with a debt consolidation loan. Even though I pay my bills every month and am a responsible consumer, I was told that I was utilizing too much of my available credit and that the company reneged on its offer of a loan. Instead, I was asked to join Simple Path's debt consolidation program where I would stop paying some of my creditors directly and get my balances lowered. I had previously taken this route with another company and did not want to do that again. I declined. This company needs to stop sending its "fake check" letters to customers and send something that TRULY explains what is being offered.

  

  Business Response

  Date: 04/11/2024

  Thanks for your feedback, and sorry for any confusion.  The letter you received was an offer to apply for a loan, not a guarantee you would be approved.  If you would like any further clarification on why you weren't approved at this time, please contact us.  Any applicant that is declined will also get a letter in the mail explaining this.  Alternative options to resolve your debt are only presented for your consideration to try and help.  We wish you best of luck in achieving your financial goals. 

  Customer Answer

  Date: 04/11/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***********************
  
   
  

• Initial Complaint

  Date:03/08/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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 got junk mail from them saying I was preapproved for a loan to consolidate my debt. I filled out the info online and they called me the next day. I never picked up their phone call as I went with someone else! THEY WOULD NOT STOP CALLING ME even after I blocked them and told them to stop through text messaging.

  

  Business Response

  Date: 03/08/2024

  We received an online loan application from this client on February 20th, and proceeded to follow up to assist the client with the request.  The first communication we received from the client was the following text today March 8th - "YOU F****** ********* KEEP CALLING ME WHEN I KEEP IGNORING YOUR F****** CALLS!", "STOP CALLING ME! I WILL BE REPORTING THIS TO THE BBB". 

  We have already cancelled the application and added the client to our do not market and call list.   

  Customer Answer

  Date: 03/08/2024

  
  As stated in business response to this case, that is NOT the first response I gave them! I have deleted all responses to the business because I was so done with them calling me all the time. Businesses like them should understand that if someone ignores your calls for DAYS on end, then to stop calling that person. However they seem to be tone deaf to that fact. I will accept response to the business and hope that they DO NOT call me back otherwise I will be getting a cease and desist letter from the courts. 

   

   

   

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *********************************