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:06/04/2025

  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.

  I am writing to report that the LightStream account ending in LS3676XXXX, opened on November 29, 2024 with a balance of $38,783, is not mine. I did not open this account, and it was created as a result of identity theft.Ive reported this issue before, but the account is still showing on my credit report. I kindly ask that it be blocked and removed under my rights in the Fair Credit Reporting Act.

  

  Business Response

  Date: 06/09/2025

  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 ****************************************************************. 

• Initial Complaint

  Date:06/04/2025

  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 am reaching out to you regarding the compromise of my social security number. I have fallen victim to Identity Theft. I have already contacted the ************************ and filed a complaint #*********. The following items is fraudulent inquiry and were not authorized by me: 1. LIGHTSTREAM Date of inquiry 06/03/2025 IN TRAMNSUNION BEAURO Please notify and send the letter of delusion to trans union to remove this inquiry as soon as possible. Thank you. According to FCRA 605B (15 U.S.C. & 1681 c-2), which states that this inquiry must be removed within 4 Business Days of receipt. thank you

  

  Business Response

  Date: 06/04/2025

  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 and/or letter will be provided to you regarding the outcome of your concern and dispute. 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:06/04/2025

  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.

  I am writing to formally dispute the debt listed under my name associated with ******************************* I do not acknowledge any liability for this debt, as I have no contractual agreement with this agency.Furthermore, despite my request, a copy of the original signed contract or any documentation verifying the validity and ownership of this debt. Under the Fair Debt Collection Practices Act (FDCPA), I am entitled to receive proper validation of any alleged debt., I respectfully request that cease all collection efforts and remove this item from my credit report.

  

  Business Response

  Date: 06/04/2025

  We have received and reviewed your request regarding a credit dispute. We can confirm LightStream is not associated, nor do we manage accounts with or under "*******************************". If you have a credit dispute to submit for LightStream, please contact us directly at ****************************************************************. 

• Initial Complaint

  Date:06/02/2025

  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.

  When I reviewed my credit report in June 2025, I was surprised to see an unsecured loan from LightStream that I never applied for. The account shows it was opened on February 14, 2025, and lists a balance of $23,689. I have never borrowed money from LightStream or interacted with them in any way.This loan was not authorized by me. I am currently dealing with multiple instances of identity theft, and this appears to be one of several fraudulent accounts opened in my name. I did not sign any agreements, receive any loan proceeds, or give anyone permission to open this account.I am asking ********************** to take this matter seriously, investigate how this loan was opened, and take immediate action to close it and remove it from all credit reporting agencies. I also ask for a written statement confirming that I am not responsible for this debt and that it was the result of identity theft.

  

  Business Response

  Date: 06/03/2025

  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 process, please contact us directly at **************. We also accept calls made through the relay service (dial 711).

• Initial Complaint

  Date:05/30/2025

  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.

  My name, phone number and some information are being used to apply for loans with online services. One of those services is LightStream. Beginning on May 29th and continuing to this present moment, they have called me over 30 times from countless different numbers with countless different areas codes. Some of those being **, **, **, ** and **. Every time they call, it is a person with limited English, asking if I need a loan. I have tried to respond and tell them that this is fraudulent and my data has been breached, they hang up. I've tried to ask to be put on a "Do Not Call List", they hang up before I even finish the sentence. I've tried numerous times to ask for a manager or supervisor, they hang up. When you try to call the number back, it is a "non-working" number. These people are harassing me and making my day miserable. The pictures I've sent are of calls from them just today. Each one that's says "Blocked" is a call from them.

  

  Business Response

  Date: 06/03/2025

  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. Furthermore, we are an online lender that requires an application to be completed online. We would never call the public or clients to provide a loan or approval. 
  
  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:05/13/2025

  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 received a letter from LightStream dated May 6, 2025, saying that I submitted a loan request and needed to log into their website for further action using a Temporary ID and the last four digits of my SSN. I have not applied for any loan with LightStream, its affiliates, or any other Companies for over 5 years. I called LightStream and Truist Bank to notify them of the fraud. I spoke with agents by phone regarding the issue and requested cancelation. They gave me no information. They repeatedly asked for my Social Security Number, and I told them I would not provide it because I had never inquired about any loan with their company. They should be able to access my information in their system based on my name, Reference ID, and User ID issued in the letter. No contact phone number is listed anywhere on their letter, nor is there any disclosure mentioning their legal lending status in the state 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 and that no loans were issued. I also did not permit them to run any credit checks. I want the application information, including the date, phone number, and amount applied for, as well as identity docs issued (photo ID, etc.) that were provided to them to be able to consider extending credit. This credit application most definitely affected my credit score. I also want that corrected.

  

  Business Response

  Date: 05/22/2025

  We apologize for the previous experience you had with LightStream and/or Truist.We can confirm the inquiry received was an incomplete preliminary application forwarded to us by a third-party named QuinStreet - Guide to Lenders. These types of inquiries only provide LightStream with very minimal information and do not result in a hard or soft inquiry to your credit. Because the inquiry for a loan is incomplete, we are not provided and do not have any personal details or documents regarding your personal information. After your emailed communication to us on 05/13/2025, the appropriate department was informed of your concerns and we can confirm this preliminary application will not result in an open loan or account. 

• Initial Complaint

  Date:05/09/2025

  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.

  05/02/2025 I applied for a used auto loan with Lightstream loans and was approved for the $40k that I applied for. I had funds wired to my ********** business checking account so that I could gain access to my funds sooner. I did not know that I could not have funds sent to a business checking account, our bank which is Truist, the same bank that Lightstream loans uses sent my funds back to Lightstream due to their policy that I could not have personal funds sent to a business checking account. Honest mistake on my behalf, I then received a email from Lightstream loans to update my account information so that they could deposit the funds into my checking account. Once I updated the account information and chose my funding date, I thought everything was good to go! 10 minutes later, I received a email from Lightstream that my loan was denied. After I was approved & funded already. I have tried reach out to anyone possible to assist me with a reconsideration or appeal but to no avail! I was in the process of picking up my vehicle & denied funds that they already sent to me a day before. I reapplied and was denied again. I am now in queue for someone to re review my initial application. I have lost all hope, I had high hopes for this loan all to have my funding snatched away for 1 mistake on my behalf.

  

  Business Response

  Date: 05/13/2025

  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. Please note that this review process may take place at anytime while a loan is pending or approved. 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:04/26/2025

  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.

  This is a fraud company that is trying to scam people out of their money by telling people lies about giving them a loan and having people sign paperwork and not giving them any money but they keep trying to scam money from my account when they never gave me anything to begin with its a total scam so please let other people know that

  

  Business Response

  Date: 04/28/2025

  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, 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:04/25/2025

  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.

  On December 8, 2024 I subscribed to ******* who was offering a promotion of a ****** gift card for new subscribers. This is not disputed by Directv. The gift card would be sent within ***** days after the initial enrollment. My account number is *********. I recently realized that the card was never received. I called ************ and was able to make contact with them. They explained that since 120 days have passed the offer is not supported. So they didnt ever send a gift card as part of their obligation and stated I cannot collect it because too much time has passed. Again I was told at the outset of signing up it would take up to 90 days to receive the gift card. This behavior on their part is unacceptable. Ironically there is a fraud awareness paragraph in the paper bill from Directv and how to avoid scams. The phone number referenced above for Directv complaints is inundated with calls. So much so that hold times are long and in my case I left my number for a call back. The inference is obvious. They are inundated with calls due to the surreptitious nature of their gift card offer. What is the recourse for consumers when companies make offers, dont deliver on those offers, then tell the consumer a phantom time frame has passed. Had I canceled my service in protest they would send me to collections and damage my credit.

  

  Business Response

  Date: 04/25/2025

  We received your concern and would like to inform you that we are LightStream a division of Truist Bank and do not provide wireless or television services. Our company provides personal loans and is not affiliated with ******** or any other communication company. We recommend reaching out to the appropriate company for further assistance. 

• 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).