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:04/24/2025

  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. LENDING PT - LAI006XXXXX 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: 04/29/2025

  Thank you for escalating your concerns.  LendingPoint completed an investigation and found an application from our partner LendingTree on 7/22/2022, which was funded on 7/23/2022 for $10,193.89 with a regular monthly payment of $326.00.  In January 2023, you enrolled in a Temporary Reduced Payment Plan, which lowered your monthly payment to $32.60 for three months.  In April 2023, you requested a due date change, which permanently moved your due date to the 26th of the month.  In July 2023 and October 2023, the loan was enrolled in two additional Temporary Reduced Payment Plans, which again lowered your monthly payment to $32.60 for June through December 2023.  The last payment was received on 12/24/2023.  LendingPoint attempted to contact you numerous times, however, the loan was eventually charged off on 7/25/2024 and sold to ICR on 9/30/2024.  A request was submitted to the credit bureaus on 4/25/2025 to delete this tradeline from your credit report, as the debt is no longer owed to LendingPoint; please allow the credit bureaus a few weeks to update their records accordingly.  For more information regarding this debt please contact ICR. 

  If you believe you have been a victim of identity theft, we will need a police report along with your government-issued identification to further investigate.  This information can be sent to ***********************************************************. 

  LendingPoint recommends you contact the three major credit bureaus: Equifax, Experian, and Transunion to report a possible identity theft and work with them to further protect yourself. The credit bureaus will require you to report the assertion directly to them. Contact information for the credit bureaus is as follows:
  Experian: ************ / ******************************************
  Equifax: ************ / ******************************************************************
  Transunion: ************ / ******************************************************************   
  
  LendingPoint also recommends you contact the ************************ at ****************************** to report identity theft and get a recovery plan. This plan includes the forms, affidavits, and letters you will need as the site helps guide you through the recovery process.
  
  We remain on standby to assist. 

  
  

• Initial Complaint

  Date:04/18/2025

  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 paid off my lending point loan February *******. Ive contacted them multiple times Inquiring about my refund of loan overpayment. When I first contacted them 1 month after overpayment, they said they have the overpayment on file but a refund has not been started. They said they would return my overpayment via direct deposit into my checking account I never received it so I called back. They said they mailed a check, however they mailed it to a previous address that I did not live at even when I took out the loan. Again they said they would reissue it to the checking account on file. I received an email saying they sent a refund check. I again did not receive it so I called back. This time they told me they show a refund owed to me but never a check issued. Now they are saying they have to to get permission from upper management to issue my refund! It had been owed to me for almost 2 months.

  

  Business Response

  Date: 04/29/2025

  We are sorry to hear of your frustrations.  LendingPoint completed an investigation into your loan that was paid in full on 2/26/2025.  On April 2, 2025, the overpayment on your account was issued via check and mailed to the address on file.  On April 14, 2025, you called and advised that the address on file was outdated, supplied the correct mailing address, and requested that the refund be issued via ACH into your bank account.  The refund was issued to your bank account on 4/18/2025, and your customer success representative sent an email advising of this transaction.  We believe this issue has been resolved, but we remain on standby. 

• Initial Complaint

  Date:04/08/2025

  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 was a victim of identity theft. This company has received stolen information and an account was created in my name. When they became aware of the unauthorized personal information, they closed the account. However, the account remains on my credit reports and I want it removed immediately.

  

  Business Response

  Date: 04/22/2025

  Thank you for letting us know of your concerns.  LendingPoint completed an investigation into the application received on 2/3/2023 from our partner, Service Finance, that was funded on 2/14/2023.  Eighteen payments were received via autopay from a bank account that has been verified as belonging to you.  In October 2024, the loan was sold to ****************  A credit report dispute was filed on 4/1/2025, and LendingPoint verified the name, date of birth, social security number, and bank account as belonging to you.  An update has been submitted to the credit bureaus to reflect that the loan has been sold.  For more information regarding this debt, please get in touch with Mariner Finance. 

  If you believe you have been a victim of identity theft, we will need a police report along with your government-issued identification to further investigate.  This information can be sent to ***********************************************************. 
  
  LendingPoint recommends you contact the three major credit bureaus: Equifax, Experian, and Transunion to report a possible identity theft and work with them to further protect yourself. The credit bureaus will require you to report the assertion directly to them. Contact information for the credit bureaus is as follows:
  Experian: ************ / ******************************************
  Equifax: ************ / ******************************************************************
  Transunion: ************ / ******************************************************************   
  
  LendingPoint also recommends you contact the ************************ at ****************************** to report identity theft and get a recovery plan. This plan includes the forms, affidavits, and letters you will need as the site helps guide you through the recovery process.
  
  We remain on standby to assist. 

• Initial Complaint

  Date:03/31/2025

  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 liable for this debt with LENDINGPOINT LLC, I do not have a contract with LENDINGPOINT LLC, they did not provide me with the original contract as requested.

  

  Business Response

  Date: 04/09/2025

  Thank you for reaching out.  LendingPoint completed an investigation and confirmed multiple loan applications in our system, resulting in funded loans on 12/30/2017, 6/19/2019, 11/17/2020, and 2/1/2022.  During the application process, LendingPoint verified your identity through your bank account, credit reports, bank statements, voided checks, and email address.  The most recent loan had 14 successful payments before being charged off on 11/1/2023 due to nonpayment and was sold to ************************* on 12/20/2023.  On 4/4/2025, a request was submitted to the credit bureaus to delete the tradeline, as LendingPoint no longer owns this debt.  For additional questions regarding this account, please get in touch with **************************

  If you believe you have been a victim of identity theft, we will need a police report along with your government-issued identification to further investigate.  This information can be sent to ***********************************************************. 
  
  LendingPoint recommends you contact the three major credit bureaus: Equifax, Experian, and Transunion to report a possible identity theft and work with them to further protect yourself. The credit bureaus will require you to report the assertion directly to them. Contact information for the credit bureaus is as follows:
  Experian: ************ / ******************************************
  Equifax: ************ / ******************************************************************
  Transunion: ************ / ******************************************************************   
  
  LendingPoint also recommends you contact the ************************ at ****************************** to report identity theft and get a recovery plan. This plan includes the forms, affidavits, and letters you will need as the site helps guide you through the recovery process.

• Initial Complaint

  Date:03/30/2025

  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 have been paying off my $10,000 loan with Lending Point since 2022. In three years, I am frustrated to see that my balance has only reduced to $9,253. I have enrolled in a 3 month hardship plan that reduced my payments, but I still couldn't believe that in 3 years of making payments, I only paid $765 in principle!! So now my frustrations have turned into outrage because I cannot find any documentation that breaks down the remaining term of my loan (since its obvious I won't be done in 7 years like I had planned) or how much I have paid into interest and fees. They do not send you paper documents of any kind, especially statements. Fine. But they also don't send you electronic documents outside of the original loan agreement. Additionally, the website and app does not accurately portray the current charges due, and as a result, I ended up under paying a month not realizing it until two weeks later when LendingPoint called me and told me that was past due. And of course that only increased my interest charges. This could have all been avoided if I was given a statement that clearly broke down past due and current charges, including current interest accruals.I can't help but think that the lack of statements, whether electronic or by mail, is intentional because they don't want customers to see their predatory and dishonest practices, and push for a lack of transparency and incredibly high interest rates that will keep you paying them for decades and barely scratch the surface. I have never dealt with ANY company that refuses to give you an itemized statement of what you owe them and how they are allocating your funds. I will never get a loan with them again and I will be quickly trying to refinance with a different company. Until then, I demand for Lending Point to do the proper business practice and send me my monthly statements!

  

  Business Response

  Date: 04/14/2025

  Thank you for escalating your concerns.  LendingPoint completed an investigation into the loan that was funded on 2/17/2022 for $10,600 with a regular payment of $338.99.  On June 22, 2022, you enrolled in a Temporary Reduced Payment Plan that lowered your monthly payment to $67.80 for three months.  On 12/27/2024, you enrolled in a second Temporary Reduced Payment Plan, lowering your bill to $101.58 for three months.  During the payment modifications, no changes were made to the remaining terms of your loan, including interest rate.  LendingPoints loans are customer-friendly simple interest loans (similar to auto loans and mortgage loans), where interest accrues daily, and as stated in your contract, payments are applied to accrued interest first, followed by the principal.  A copy of your amortization schedule was sent to you, and we have attempted to follow up, but have been unable to reach you.  For continued support, please call your customer success representative, *****, at **************. 

  Customer Answer

  Date: 04/14/2025

   
  Complaint: 23136354
  
  I am rejecting this response because:
  

  I'm still waiting for someone to answer my questions on how much outstanding interest I have and provide me with a 10 Day Payoff Quote. If someone from your company tried calling then they didn't leave a message or a call back number, so how am I to know that they even called?

  When I intiated communication with **** from Lending Point, I always get different numbers on the outstanding interest on my account, and that amortization schedule did nothing to clarify. The online portal is essentially useless in explaining my loan balance because it changes everyday and it does not tell me anything.

  I cannot continue to give you money without knowing exactly how my payments are being applied. I would have never signed up for the payment relief programs had I known that doing so would add 4 years to my maturity date, which is absolutely insane! The only way I know that is because I had to call and request it once I realized that after 3 years of paying you, I was getting nowhere.

  Further, a legitimate business should not make me jump through hoops to retrieve information that should be easily avaliable to me. You mention that your loans are similar to a home mortgage and auto loan. Well, I have an auto loan and I know exactly how much accrued interest is on the account, my principal balance, and they even give me a 10 day payoff quote. They are very transparent and I never have to call them and ask for that information. On the contrary, Lending Point loans are very convoluted and even when I call, I'm not given the correct info or your **** are unable to answer simple questions.

  Therefore, Lending Point, why are you hiding important information that consumers need to make important decisions about their loan? Why do you not provide consumers with electronic statememts? Why can no one tell me what my total accrued interest is?

  Sincerely,
  
  **** ********

  

  Business Response

  Date: 04/23/2025

  We are sorry to hear of your continued frustrations.  We wanted to let you know that your customer success representative sent you the most recent information requested via email on April 23, 2025; a copy of your loan amortization schedule, which included the allocation of each payment towards principal, interest, and fees, was sent on April 15, 2025.  If you did not receive these documents, please let us know.  Regarding the changing interest balance on your loan, as interest accrues daily, the interest balance on your loan will also change daily, increasing on days where there is no payment and decreasing after payments are processed.  We hope this addresses your concerns, but we remain on standby to assist further. 

• Initial Complaint

  Date:03/22/2025

  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: I am disputing an invalid account reported by ********************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FRA). Since it does not meet legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper verification, it must be deleted per federal law. Thank you.

  

  Business Response

  Date: 03/28/2025

  Thank you for letting us know of your concerns.  LendingPoint completed an investigation into the loan that was funded on 12/1/2022.  During the application, we verified your name, date of birth, social security number, and mailing address.  The first three bills were satisfied successfully, and on 3/7/2023 you requested a due date change.  On 8/15/2024, you enrolled in a Temporary Reduced Payment Plan that lowered your monthly payment to $104.21 for three months.  On 12/3/2024, you were offered a Reduced Payment and Loan Modification Agreement, but you advised you were in the hospital and unemployed but would call back once you could make the payment.  The last payment received on the account was on 11/15/2024.  On 1/21/2025, LendingPoint received a credit report dispute, completed an investigation, and confirmed no fraud.  As of 3/28/2025, the account is 103 days past due. 
  
  If you believe you have been a victim of identity theft, we will need a police report along with your government-issued identification to further investigate.  This information can be sent to ***********************************************************. 
  
  LendingPoint recommends you contact the three major credit bureaus: Equifax, Experian, and Transunion to report a possible identity theft and work with them to further protect yourself. The credit bureaus will require you to report the assertion directly to them. Contact information for the credit bureaus is as follows:
  Experian: ************ / ******************************************
  Equifax: ************ / ******************************************************************
  Transunion: ************ / ******************************************************************   
  
  LendingPoint also recommends you contact the ************************ at ****************************** to report identity theft and get a recovery plan. This plan includes the forms, affidavits, and letters you will need as the site helps guide you through the recovery process.
  
  We remain on standby to assist. 

• Initial Complaint

  Date:03/21/2025

  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.

  Year 2023 and 2024 Lending Point allowed another party to make changes to my account including the loan without my authorization which is an act of fraud and a breach of contract.

  

  Business Response

  Date: 04/02/2025

  Thank you for escalating your concerns.  LendingPoint completed an investigation into the application received from our partner Proceed Finance, that was funded on 9/5/2023 for $26,000.  On 10/24/2023, you called and added a family member to be an authorized contact on the account.  Throughout the life of the loan, there have been four payment assistance modifications, all of which were completed after verifying your identity.  We have reviewed all phone calls on the account, and do not believe there has been identity theft, and as of April 2, 2025, the loan is 27 days past due. 
  
  If you believe you have been a victim of identity theft, we will need a police report along with your government-issued identification to further investigate.  This information can be sent to ***********************************************************. 
  
  LendingPoint recommends you contact the three major credit bureaus: Equifax, Experian, and Transunion to report a possible identity theft and work with them to further protect yourself. The credit bureaus will require you to report the assertion directly to them. Contact information for the credit bureaus is as follows:
  Experian: ************ / ******************************************
  Equifax: ************ / ******************************************************************
  Transunion: ************ / ******************************************************************   
  
  LendingPoint also recommends you contact the ************************ at ****************************** to report identity theft and get a recovery plan. This plan includes the forms, affidavits, and letters you will need as the site helps guide you through the recovery process.
  
  We remain on standby to assist. 

• Initial Complaint

  Date:03/21/2025

  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 request debt validation for the collection account listed on my credit report. Under the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. 1692g, I have the right to request validation of any debt you claim I owe before taking any further action.DEBT INFORMATION:EXPERIAN:Creditors Name: LENDING PT Account Number: *********** Account Opened: 11/01/2021 Balance: $0 TRANSUNION:Creditors Name: LENDING PT Account Number: *********** Account Opened: 11/15/2021 Balance: $0

  

  Business Response

  Date: 04/02/2025

  We are sorry to hear of your concerns.  LendingPoint completed an investigation and found an application received as a refinance request that was funded on 11/15/2021 with a regular monthly payment of $348.98.  Within the first four months, the account reached a maximum delinquency of 94 days past due.  On 6/9/2022, you enrolled in a Reduced Payment Plan and Workout Agreement, which temporarily lowered your payment to $69.80 for three months, then increased it to $343.38. 
  The bills due from January 2023 to May 2023 were not satisfied, the loan was charged off on 6/14/2023 and sold to ************************* on 8/30/2023.  As LendingPoint no longer owns this debt, on 3/27/2025 we submitted an update to the credit bureaus to delete this tradeline.  Please contact ************************* for more information regarding this debt.   

• Initial Complaint

  Date:03/20/2025

  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 have a loan with LendingPoint (LP). Due to extreme financial hardship in 2/24, I began monthly payments to LP from a consolidation company with an approved settlement; ******************** (****), Unfortunately, **** was only paying LP ($167 monthly with a settlement of $4020). After 11 months, **** failed to assist with other accounts (I paid $500 monthly to FLLG). Therefore, due to the failed attempts from **** & contract duties, I had to cancel my consolidation with FLLG on 1/21/25. LP settled for 4020 and received monthly payments (never missed) for a total of $1675 (balance of $2345.I contacted LP on 1/21/25 about my termination from ****. I was told I had to wait 7-10 days to proceed with LP. I called back after & was on hold for over an hour on 2 different occasions & was disconnected. On another day, when I finally received a live person (on hold again for over an hour) I was told my $4020 settlement was no longer in effect & they would not accept my remaining balance of $2345. This upset me terribly, as I offered to pay in full on this day. I know my rights & had so many days to dissolve FLLG within a window of negotiating. Other creditors have since accepted settlement amounts.I asked LP to send me their decision in writing. I was told I would receive an email within 3 days. As of 3/20/25 I have received no correspondence from LP. I have made multiple attempts to reach them. I work daily in a building with no reception. I cannot call every day & spend an hour on the phone to be disconnected or told we cannot assist you - you pay over $8000 or nothing. I have emailed every address I was given(payments, customer care, & memberservices). Every time, I received an automated reply that someone would respond with 2-3 business days - not one response was ever received by email, mail, or phone. I am trying to resolve this (with reason). I have offered several options & no response by mail or phone. They won't respond yet keep adding charges on the balance.

  

  Business Response

  Date: 04/02/2025

  Thank you for letting us know of your frustrations.  LendingPoint has attempted to contact you to review your account and available settlement options but has been unable to reach you.  Please let us know the best phone number, date, and time we can reach out to you.  We remain on standby to assist. 

  Customer Answer

  Date: 04/03/2025

   
  Complaint: 23090687
  
  I am rejecting this response because: I disagree with the comment "We have tried to reach you and unable to do so". I have contacted Lending Point many times by phone and by email with no luck. Everytime I've called I either received "I cannot help you" or "I will transfer you" - which I was disconnected multiple times. As noted in my complaint, being on hold for over an hour at nonpeak times is way too much to not be helped or disconnected. It's sad that it took filing a complain with the BBB before someone has contacted me. I received an email this morning confirming my number and the best time to reach me. Let's see if I'm actually contacted, I hope so.  I have tried too many times to reach someone to resolve this matter.
  
  Sincerely,
  
  **** ******

  

  Business Response

  Date: 04/09/2025

  Thank you for letting us know the best time to contact you.  LendingPoint has confirmed a settlement agreement for your account and payment has been scheduled.  We believe this addresses your concerns, but remain on standby should you need further assistance. 

  Customer Answer

  Date: 04/12/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:03/20/2025

  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 make 2 payments on my account, one February 12th and one February 19th. I check my account frequently and noticed on February 26 the payment was reversed, I immediately corrected the payments with a different account. The problem is it took 6 days for the original payment to be reversed making the account late 32 days. I spoke to ****** ***** and she said it should only take 2-3 days for a payment to reverse but it was the weekend, that's why it took 6 days, I tried to explain that credit bureau goes by calendar days not business days. I sent her an email back to try and resolve this but she did not even respond back to me. That's an error on Lending Point's part for the long turn around times plus it clearly showed when I made the payments they (Cleared), not pending, it clearly states the payment cleared so I believed the payment cleared, but then 6 days later the payment was reversed. I did not receive any notification from Lending point either in a phone call or a text. Please correct my credit report. loan number ********

  

  Business Response

  Date: 03/28/2025

  Thank you for letting us know of your frustrations.  LendingPoint completed an investigation into your loan that was funded on 1/28/2020 with a regular monthly payment of $835.66.  On 5/20/2020, you enrolled in a COVID-reduced payment plan, which temporarily reduced your monthly payment to $83.57 for three months.  On 8/27/2020, you enrolled in a loan modification that changed your monthly payment to $663.16.  On 5/20/2022, you enrolled in a workout agreement, that reduced your payment to $132.63 for three months before increasing to a new regular payment amount of $518.75.  On 10/21/2022, you enrolled in a Temporary Reduced Payment Plan, that lowered your payment to $155/63 for three months.  Payments for the bills due from January 2023 through August 2024 were paid within 29 days of the due date.  The 9/24/2024 bill was not satisfied until 11/12/2024, resulting in 30+ days delinquency for October and November 2024. 

  On 2/12/2025, a payment was made for the 1/24/2025 bill, which was returned by your bank on 2/19/2025, and on 2/19/2025, another payment was attempted for the 2/24/2025 bill., which was again returned by your bank on 2/25/2025.  Replacement payments were made on our website on 2/25/2025 and 2/26/2025.  As a result of these returned payments, the 1/24/2025 bill was not satisfied until 2/25/2025 and was more than 30 days delinquent.  To comply with FCRA guidelines, LendingPoint is required to report the account accurately, which we have done.  We hope this addresses your concerns.