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:04/08/2025

  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:03/05/2025

  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. 

• Initial Complaint

  Date:03/05/2025

  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.

  Unfortuneatlyl, I do not have any paperwork and never received anything in writing because the second I told them I wouldn't provide them with my log in info MY USERNAME and PASSWORD for my bank account they told me to hang up i no longer qualify. What I do have is all the call recordings of our conversations. They told me they were going to deposit 2000 into my bank account for $86.85 for 24 months at 4%. Which i knew was way too go to be true. I have phone numbers which are probably no good. But I do have the call recordings. ill have to check my email to see if they sent me anything. When I call the 866 number there in ********* it doesnt sound like the same people. They had a middle eastern accent. Sounded like the same two guys calling over and over after I blocked them they would call from another number]

  

  Business Response

  Date: 03/06/2025

  Thank you for reaching out to us. We can confirm that this was 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).
  

  Customer Answer

  Date: 03/06/2025

  
  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:03/01/2025

  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.

  Sometime around Dec. 7th I received a letter in the mail thank ing me for a loan request. It Provided reference # and a temp. ID. It asked me to. Verify my personal information like SS# and wanted me to create a new username and password. I NEVER applied for a loan! This is a SCAM!!

  

  Business Response

  Date: 03/03/2025

  Thank you for reaching out to us. We can confirm that we did not received a completed application, only an incomplete inquiry through Lending Tree, which is a 3rd party lender that advised you may be shopping for rates for a personal loan. The letter you received is merely information on how you can complete the loan application if you desire. As the application was not completed, it has since expired and no credit has been pulled.
  

  While we did not receive a completed application for you,this information has been escalated to the proper team for further review.

• Initial Complaint

  Date:02/25/2025

  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.

  I signed a contract and was approved for a loan of $7000, They had me use a barcode at ******* as verification to return the $1200 however no money was ever deposited in my **************** Checking account, they said there was a problem and had to do it over again that amount was $1203.74 next day LightStream had me buy $801.00 No money from LightStream $686.53 in the negative. I had numerous calls and sent emails as of today I cannot even buy groceries or pay for my medications. The transactions started on Friday, 2/21/25 and as of today 2/25/25 the money has not been returned. I informed **************** however since it was a debit card they cannot do anything other than open an investigation.

  

  Business Response

  Date: 02/26/2025

  We can confirm that this is not a valid LightStream offer.Unfortunately, others will attempt to impersonate LightStream in an effort to gain money from the public. We can assure you that LightStream does not ask customers to provide any type of down payment, request they purchase gift cards, or provide personal information over the phone in order to be considered for a loan. 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. If you have received a suspicious email or communication or believe you may be the victim of a possible scam, please forward any information to ************************************** Ignore and delete unexpected messages asking for passwords, PINs, or other confidential information.

  Customer Answer

  Date: 02/26/2025

  I have numerous emails from  Lightstream *********** which proves they are not being truthful. I reject their response. If necessary I will  gather the emails sent to me from Lightstream as re rnt as today.

  

  Business Response

  Date: 02/26/2025

  At LightStream, we take preventing fraud very seriously. Were aware that scammers may pose as LightStream and make fraudulent loan offers.
  
  Were committed to keeping your information safe.
  LightStream will never use phone calls, text messages or emails asking you to provide, update, or verify personal information such as passwords, Social Security numbers, etc.
  
  LightStream
  never calls with unsolicited offers
  never charges fees for loans
  never demands gift cards or other untraceable payments and
  never makes outbound sales calls.
  
  Knowing how to recognize scams can help you avoid becoming a target. If you receive a call or message from any company presenting themselves as LightStream but you have not applied through *********************************, you are not dealing with the authentic LightStream.
  
  If you suspect a scammer,dont answer their mail, stay on the phone line, download anything nor engage with them in any way. Do not respond. Ignore and delete their communications.
  
  Please contact ****************************************** if you have additional questions.
  
  Thank you!

• Initial Complaint

  Date:02/19/2025

  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 am a retired disabled, six year-old woman living in *********

  

  Business Response

  Date: 02/20/2025

  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, money, or other confidential information. If you have provided these individuals with your banking information, we recommend reaching out to your financial institution as soon as possible. 
  
  

• Initial Complaint

  Date:02/11/2025

  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.

  Fraud in providing an approved loan in amount of $3000

  

  Business Response

  Date: 02/12/2025

  We are truely sorry to hear about the situation you encountered. 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. If you have received a suspicious email, communication 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. In addition, we recommend reaching out to your bank to protect your banking 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).
  
  

  Customer Answer

  Date: 02/12/2025

  The names of the 2 individuals are **** ***** and *** ******. If they are employees with ******************** they need to be both fired and charged with fraud and theft.

  

  Business Response

  Date: 02/18/2025

  We are able to confirm that none of the employees at LightStream have those names.