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: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. 

• 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:02/13/2025

  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.

  Lightstream accepted a fraudulent account application from someone impersonating me, and submitted hard credit inquiries to the multiple credit agencies. I have twice informed Lightstream that this was submitted fraudulently and demanded that they withdraw the credit inquiry from the credit agencies. They refuse to proceed in a timely manner.

  

  Business Response

  Date: 02/14/2025

  Thank you for reaching out to us and expressing your concerns. We can confirm your first communication with us on February 13, 2025, did initiate an investigation. Please allow up to 30 calendar days for this investigation to occur. Any information found will be forwarded to the credit bureaus for further review. If there are any changes to be made to your credit report, please allow the credit bureaus ***** days to update their records. Once the investigation is complete, you will receive communication regarding any updates. 

  Customer Answer

  Date: 02/14/2025

  My first contact with LightStream was Monday 10 February. They promised to respond within 48 hours. They did not do so. I contacted them again on ******************************************************************************************* any case, they still refuse to resolve this matter in a timely manner. There should be no further delays before they inform the three credit bureaus that I was a victim of a fraudulent application and a victim of their own shoddy business practices (initiating a hard credit inquiry BEFORE verifying the identity of the applicant). Wating up to 30 days for them to correct their fradulent transation is totally unacceptable.

  

  Business Response

  Date: 02/14/2025

  We apologize for the miscommunication. We have thoroughly reviewed our records, and we can confirm your initial communication with LightStream was on February 10, 2025. While we understand the urgency of your request and predicament regarding your credit, we do require more than 48 hours to review the inquiry and report any changes or updates to the credit bureaus. We will continue to work towards investigating the matter and providing a response to you as soon as possible. We have also informed our management team of your concerns and feedback. If you have any additional questions, please contact us at **************. We also accept calls made through the relay service (dial 711).

  Customer Answer

  Date: 03/07/2025

  The business continues to offer excuses rather than action. They are unable (or unwilling) to confirm whether they have withdrawn their erroneous hard credit check from the credit agencies. From all appearances (my declining credit scores) they have still failed to do so in a timely manner, and they offer no timeline to do so. 

• 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.