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:04/11/2025

  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 am a victim of fraud. I never did any business with this company. I am asking to remove the inquiry appear in my creditaccountASAP. Date inquired was 01/21/2025

  

  Business Response

  Date: 04/14/2025

  Thank you for reaching out to LightStream. A dispute will be filed on your behalf regarding the concern you have presented. Please allow us 30 days to research and report our findings to the credit bureaus. Once the credit bureaus receive our discoveries, a communication will be sent out to you regarding the outcome of your concern. If you have questions regarding this matter, please contact us directly at **************. We also accept calls made through the relay service (dial 711).

• Initial Complaint

  Date:04/10/2025

  Type:Product 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.

  On this day 04/10:2025, I got a call from ************************ mans name was ******* *****. He wanted me to take a loan out for *********. He wanted my pass word to my bank account. I didnt give it to him. He said he wanted me to go to a ******* store and he would call me to give me instructions on how to get this money put into my account. I looked up some information and it said this was a scam. Please check into this and I appreciate your help. He wanted my information that is very personal and private. Im a senior citizen and on a fixed income. Thanks again. I didnt get any money from him because I felt like it wasnt ligament. I will give you the amount of money that he offered me.

  

  Business Response

  Date: 04/14/2025

  We can confirm that this is not a valid LightStream offer or practice. Unfortunately, LightStream has experienced situations where people have passed as LightStream employees and have used fake emails/phone numbers to reach out to individuals. We can also confirm we are not associated with ************** Services. 
  
  LightStream will never send unsolicited emails, text messages or letters asking clients to provide, update, or verify personal or account information, such as passwords, Social Security Numbers, PINs, credit or check card numbers, or other confidential information. In addition, LightStream will never ask for money at any part of our loan or application process, this includes cash, gift cards, money transfers, etc.

  
  If continue to receive suspicious emails, communications or believe you may be the victim of a possible scam, please ignore and delete unexpected messages asking for password, PIN, or other confidential information. If you have additional questions or concerns, please call us at ************** for further assistance. We also accept calls made through the relay service (dial 711).

• Initial Complaint

  Date:04/09/2025

  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.

  According to 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS Lightstream 04/09/2025 Bk of America 03/16/2025 Wfbna card 03/01/2024 Syncb 02/20/2023 Milestone 09/17/2023 All pulled my credit without permissible purpose and would like these inquiries removed immediately from my credit report history please and writing of them removed immediately thank you.

  

  Business Response

  Date: 04/10/2025

  Your concerns and request have been escalated to the appropriate department. A dispute will be filed on your behalf regarding the inquiry you referenced from April 9, 2025. Please allow 30 days for the dispute to be researched and addressed. You will receive an update from the credit bureaus regarding your inquiry removal request after 30 days. 

• Initial Complaint

  Date:04/08/2025

  Type:Product 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 received a letter from LightStream dated 03/31/2025 with Reference ID ******** saying that I submitted a loan request and I needed to log into their website ****************************** for further action using a Temporary ID and the last four digits of my SSN. I did not apply for any loans with LightStream or any of it's affiliates. No loan applications with any companies at all for more than 3 years. I called LightStream dba Truist Bank to notify them of fraud and spoke with multiple agents by phone regarding the issue and requested cancelation of any applications or accounts associated to me. They gave me no information and put me on hold multiple times for over 10 minutes each time saying that an account manager would be able to give me details but I never received any details regarding the fraudulent application. I was also disconnected multiple times by different agents and had to call back over the course of multiple days. They repeatedly asked for my Social Security Number and I told them I would not provide it as I had never inquired for any type of loan with their company and they should be able to access my information in their system based off my name, Reference ID they issued in the letter, User ID they issued in the letter, or my address. There is no contact phone number listed anywhere on their letter nor is there any disclosure mentioning their legal lending status in the state of ** where I live. I need written confirmation from them that I did not apply for a loan with their company or any of their affiliates as well as confirmation that no loans were issued. I also did not give them permission to run any type of credit check. I would like application information including date, phone number, amount applied for as well as identity docs issued (photo ID etc.) that were provided to them to be able to consider extending credit. No fraud prevention methods were verified. This is abusive lending practices and will be reported to ****.

  

  Business Response

  Date: 04/10/2025

  We apologize for the previous experience you had with LightStream. We can confirm the inquiry received was an incomplete preliminary application forwarded to us by a third-party named MyAutoLoan. These types of inquiries only provide us with minimal information and do not result in a hard or soft inquiry to your credit. We have informed the appropriate department of your fraud concerns and we can confirm this preliminary application will not result in an open loan or account. 

  Customer Answer

  Date: 04/10/2025

  
  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:04/04/2025

  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.

  recently applied for a loan with LightStream and was denied under the vague reasoning that my information could not be verified. Despite multiple attempts to seek clarification, I have been repeatedly told that no further explanation can be provided. This lack of transparency raises serious concerns.Historically, financial institutions have used vague and unrelated criteria to justify discriminatory lending practices, as seen in cases like ******* v. FHA and the broader issues exposed under the Equal Credit Opportunity Act (ECOA). The refusal to specify what information allegedly could not be verifiedwhile denying me the opportunity to correct any supposed issuefeels alarmingly similar to the redlining tactics that were once used to deny Black applicants access to financial services under pretextual reasons.I am formally requesting:1.A clear and specific explanation of what information LightStream was unable to verify.2.An opportunity to provide documentation to address any alleged discrepancies.3.A written statement confirming whether any alternative verification methods exist and why they were not offered to me.The refusal to clarify or substantiate this denial not only raises ethical concerns but could also constitute a violation of fair lending laws. If this matter is not addressed appropriately, I may have to escalate my concerns to regulatory bodies such as the ************************************ (****) and the ************************ (***) to ensure that no discriminatory practices are at play.I expect a prompt and transparent response. Please confirm receipt of this request and provide guidance on how to proceed. I have exhausted all possibilities, added my employer to my report, used family business, had my middle name removed from my credit report just in case, asked lightstream to notate my account so if they need ID or paystubs i can provide, yet still denied. Credit = 795, credit age 3 yrs 11 mos, uti 1% why lightstream? Why?

  

  Business Response

  Date: 04/04/2025

  When an application is received, our credit department will review several different items. These items include, but are not limited to, your entire credit profile, personal information, financials, employment, debt-to-income ratio, and payment history. If during our review process we are unable to verify information by comparing the details you provided to what the credit bureaus are reporting, then our credit team may be unable to move forward with an approval. To review for possible discrepancies, we recommend contacting ********** to ensure all of your information is accurate and up to date. Based on our lending guidelines, we are unable to extend credit at this time. Your concerns have been escalated through the proper channels for further review.

• Initial Complaint

  Date:03/30/2025

  Type:Product 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.

  ON MARCH 25TH I RECEIVED A CALL AND A TEXT TELLING ME THAT I WAS APPROVED FOR $8000.00. I NEEDED A LOAN FOR $7000.00. THEY VERIFIED MY INFORMATION AND THEN SAID THAT THEY WOULD HAVE SOMEONE CALL ME TO FINISH THE PROCESS. SO, THEY CALLED AND STATED THAT THEY HAD DEPOSITED $481. INTO MY ACCOUNT AND THAT I NEEDED TO BUY A ******* MONEY CARD TO SEND THAT PORTION BACK. WHEN I QUESTIONED THEM ON THIS, THEY TOLD ME THAT THIS IS THEIR PROCESS AND THAT IF I NEEDED THE MONEY THIS WAS THE PROCESS I NEEDED TO FOLLOW. THE NEXT DAY AFTER MONEY I WAWS TOLD THAT MY MONEY WAS DEPOSITED I GET A CALL FROM MY BANK ADVISING ME THAT THE $481.00 WAS A SCAM. I CALL THE COMPANY AND WAS TOLD THAT THIS IS NOT A SCAM AND WAS TRANSFERRED TO THE AGENT THAT CALLED THE 2ND TIME AND TOLD ME I HAS TO FOLLOW THE PROCESS. I ALSO HAVE THE CONTRACT THAT WAS SENT TO ME TO SIGN BUT CAN'T GET IT TO UPLOAD, I WANT MY MONEY BACK AS I HAVE LOST MY ACCOUNT AND LOST MY PAYCHECK BECAUSE OF THIS.

  

  Business Response

  Date: 03/31/2025

  We can confirm that this is not a valid LightStream offer or practice. Unfortunately, LightStream has experienced situations where people have passed as LightStream employees and have used fake emails/phone numbers to reach out to individuals. LightStream will never send unsolicited emails, text messages or letters asking clients to provide, update,or verify personal or account information, such as passwords, Social Security Numbers, PINs, credit or check card numbers, or other confidential information. In addition,LightStream will never ask for money at any part of our loan or application process, this includes cash, gift cards, money transfers, etc. 
  
  If you continue to receive suspicious emails and communications, please ignore and delete unexpected messages asking for passwords, PINs, or other confidential information. We recommend continuing to work with your bank to reduce the risk of further unauthorized transactions. If you have additional questions or concerns, please call us at ************** for further assistance. We also accept calls made through the relay service (dial 711).

• Initial Complaint

  Date:03/26/2025

  Type:Order 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 am not accountable for the debt associated with LIGHTSTRM. There is no contract between me and LIGHTSTRM, and they have not provided the original agreement as requested.

  

  Business Response

  Date: 03/27/2025

  To better address your questions and concerns regarding this matter, or to submit a credit dispute, please contact us directly at **************. We also accept calls made through the relay service (dial 711). 

• Initial Complaint

  Date:03/18/2025

  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.

  LIGHTSTREAM Amount:$47207 Date:5/21/2024 Acct#********** According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate.

  

  Business Response

  Date: 04/14/2025

  Thank you for reaching out to LightStream. A credit dispute will be filed on your behalf regarding the information you have provided. Please allow us 30 days to research and report our findings to the credit bureaus. Once the credit bureaus receive our discoveries, a communication will be sent out to you regarding the outcome of your concern. If you have questions regarding this matter, please contact us directly at **************. We also accept calls made through the relay service (dial 711).
  

• Initial Complaint

  Date:03/18/2025

  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. COMPANY NAME: LIGHTSTREAM ACCT #: ***. ********** $0.00/$15,000.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business Response

  Date: 03/18/2025

  Thank you for reaching out. We would be happy to assist you with your inquiry. To provide you with the documentation you are requesting, please contact us directly at **************. We also accept calls made through the relay service (dial 711).

• Initial Complaint

  Date:03/05/2025

  Type:Product 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 feel like this business was never going to fund a loan but just wanted my social. My income is good and my credit is OK yet they still wanted to beat around the **** and may keep sending them these documents. It was a total nightmare working with them. I will say the only nice thing about this company is they were quick to answer the phone, but could never speak to a loanofficer directly. I make over $100,000 a year and have a 680 credit and could not get funded for a measly $10,000. Its quite ridiculous. I do a lot of quick turnaround financial stuff and couldve definitely been a returning customer.

  

  Business Response

  Date: 03/06/2025

  We appreciate you reaching out to us. LightStream does not offer traditional vehicle loans, instead, our loans are personal and require no collateral. Therefore, our application and review process may differ from other lenders. Since LightStream is not a FICO score-driven company, other factors such as income, liquid assets, your credit report, and payment history are taken into consideration when an application is being reviewed. During our review process, LightStream's credit team may request verification of financials in the form of documentation. If there is a question or concern regarding the documents provided, our credit team may reach out for additional information or more recent statements. We have received your most recent application and will reach out to you shortly if additional information is required or if a decision has been made.