Complaints
Customer Complaints Summary
- 190 total complaints in the last 3 years.
- 60 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:03/19/2024
Type: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.
The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT .According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate information 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 USC 1681 have the right to privacy According to 15 USC 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 USC 1681 I have the right to privacy According to 15 USC 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. Inaccurate Information on my credit report is causing me financial distress Please DELETE the fraud Account from my credit Report does not relate to any transactions that I have made. DELETE / REMOVE ACCOUNT Immediately.The credit bureaus have no respect for the laws.Someone needs to hold them accountable for this.LIGHTSTREAM Amount:$50489 Date:1/29/2024 Acct# **********
Business Response
Date: 03/25/2024
Your request has been escalated to the Fraud and Dispute teams for further review.Initial Complaint
Date:03/15/2024
Type: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 2/5/24 I applied for on-line loan to company named Lightstream. *************) I was contacted and told in order to receive the loan it needed to boost my credit score and show a payment transaction to receive the funds requested. After the application he sent me instructions via text message on what and how to receive the funds. He stated the funds would be deposited into my account (North Carolina State ********************** via two deposits. Once I received the first deposit I had to send the funds back via a wire transfer. The money was deposited into my account which they did via mobile transaction. The funds posted to my account I withdrew and sent the money back to them via cash app. $KenziRoyale $1975.00. The next day the bank contacted me and informed me that fictitious checks were deposited. I in returned discovered the checks were from some ***************** I called the lending company and explained and inquired. The lender then proceeded to send me instructions via text messages on what to tell the bank. Based from the text messages I discovered it was a scam. Because my teenager daughter and I have joint shared accounts. The credit union took my daughters money from her savings to pay back the funds. I called the police where I live in Raliegh and did a police report. I have the messages from the lending company. I have the cash app transaction receipt. I never had the checks in my possession or saw them. The lending company desposited into my account via their mobile app or wire transfer.Business Response
Date: 03/25/2024
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.Initial Complaint
Date:03/12/2024
Type: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.
All of a sudden my 2 laptops and my phone are not recognized , and instead of emailing or texting an OTP code they want to CALL me ... but they never do .. .so i cannot log into my accountBusiness Response
Date: 03/13/2024
For further assistance, please contact us at **************. We also accept calls made through the relay service (dial 711).Customer Answer
Date: 03/13/2024
A resolution that asks me to call them seems like a canned message
But I cashed then and the guy didn't know why the system cannot text me... No help see all
Business Response
Date: 03/14/2024
After reviewing your account, it seemed that there were too many failed attempts to log in, which led to the account being frozen. We were able to unlock your account during your call, allowing you to log in without any problems.Customer Answer
Date: 03/20/2024
I reject the business response because they are talking about unlocking my account. I'm talking about the 2 step verification NOT sending texts, they have JUST phone calls... and I never get their phone call, and there is no other option to use the 2 step authenticationInitial Complaint
Date:03/08/2024
Type: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 filled out an application for a loan. I was contacted by someone claiming to be *********************. He told me that to secure the loan he was going to send me money and have me send it back as a proof that I was trustworthy. He threatened me with arrest if I did not give the money back and claimed that he had not received the money and instructed me to buy a gift card. I bought two gift cards and was scammed for $1200. I told my spouse who looked up LightStream and saw that it was a scam.Business Response
Date: 03/11/2024
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: 03/11/2024
I am not the first to file a complaint against this business regarding this matter. If someone has created a spoofed site then the real LightStream should probably do something to prevent this from happening because through the BBB their rating is at the bottom.Business Response
Date: 03/12/2024
Unfortunately, LightStream has experienced situations where fraudsters have passed as LightStream employees and have used fake emails or phone numbers to call customers. We can assure you that we do not ask our customers to provide any type of down payment or request they purchase gift cards in order to be considered for a loan.Initial Complaint
Date:03/05/2024
Type: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.
On February 16th I applied for a loan. On the 17th I received an approval letter. They deposited $1400 into my bank account and me return it to them by cash app in two different names and told me the loan would be deposited into my account within 1 hour. But instead they changed the pin on my bank account and I had no access. So I had to put a freeze on my account. I believe this was fraud by this companyBusiness Response
Date: 03/05/2024
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: 03/05/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
*********************
Initial Complaint
Date:03/03/2024
Type: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 was notified via credit monitoring service that an inquiry from Lightstream was done on 3/2/24. I have not now, or in past applied for or approved anyone running my credit for a loan with this company. I do not do "online" loans. Any loans I need I do through my bank. I attempted to call this company, however they do not have a phone number listed to contact them.I sent an email on 3/3/24. I cannot use my credit,as I have now placed a freeze with all 3 bureaus. I was notified that the inquiry was with TransUnion. This company wrongly and illegally checked and maybe even a loan was taken out in my name. All of which was not authorized by me. I would like any and all inquiries removed from my report (as I stated alert was only with Transunion). I would also like to ensure that this company does not keep a record of my info and that theyre are no active accounts with Lightstream as I have not authorized any.Business Response
Date: 03/04/2024
Your request has been escalated to the Fraud and Dispute teams for further review.Initial Complaint
Date:02/26/2024
Type: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 was sent a text by a loan company saying there were Light Stream and that I was approved for up to ***** loan I chose $3000 loan they took all my cranking information down deposited $1600 in my checking account to verify me as a customer and d instructed me to pay it back through cashapp they the payment didnt go through completion with Cashapp.. and that it kicked back to my bank account and that I should repeat the process again I concluded something isnt right and discontinued contact with them..now they had my bank account frozen with restrictionsand have threaten to have agents come to my home/job and arrest mewhat do I do nowBusiness Response
Date: 02/27/2024
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.Initial Complaint
Date:02/22/2024
Type: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.
Some company has sold my information.I get phone calls everyday from this company.they are spoofing numbers, so you can't block them from calling.if you ask them to stop , they get ugly and hang up.*****************-658-5530, ************ those are just a few of the many numbers they us.please help stop them from calling.Business Response
Date: 02/22/2024
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.Initial Complaint
Date:02/18/2024
Type: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 credit alert that there was a hard credit inquiry with Lighstream I have not authroized any credit requests with this company. This is fraudulent.Business Response
Date: 02/20/2024
For further assistance, please contact us at **************. We also accept calls made through the relay service (dial 711).Initial Complaint
Date:02/12/2024
Type: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 paid a insurance company $340 to start insurance and only had it for 2 weeks and the policy was canceled and after I was told the payment every month would have been for $140 every month after that. Well since my policy was canceled I called to get my money back and first was forwarded to to another number that has let me know that their company provided 2vweeks of service for $180 which is more than the actual payment. Then they sent me back to the original number and said that the rest is on the first company I called. So when I call them back they said they had a no refund policy on the money which I was never let aware of ever until that second.Business Response
Date: 02/13/2024
Our records indicate we do not have a loan or account in your name. Please contact your insurance provider.
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