ComplaintsforLili App Inc.

• Initial Complaint

  08/15/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  They closed my account since June 2024 my remaining funds I still havent received they keep saying they mailed my check and id have to wait 3 weeks Im on round two the first check never received not even late now they have me waiting 3 more weeks knowing a check more than likely wasnt sent they wont do ach transfer they wont overnight at my expense nor will they provide a tracking number

  Business response

  08/27/2024

  Re:  *********************** to Better Business Bureau (BBB)
  
  Dear ***********************:  
  
  Lili App Inc. (Lili) is writing in response to your complaint to the Better Business Bureau (BBB) of August 15, 2024, which was forwarded to Lili by its sponsor bank, Choice Financial Group (Choice Financial). Lili is responding on behalf of both Lili and ***************** At the outset, please know we take customer service and regulatory compliance matters seriously.
  
  In your complaint, you explain that your account was closed in June 2024, and you have yet to receive a check for your remaining account balance. You mentioned that the first check was never received, and Lili requested you wait three more weeks to process and mail out a second check. You added that Lili refused to process an ACH transfer for your remaining balance or provide a tracking number for the check. 
  
  Lili has reviewed your account history in light of your complaint and provides the following summary: 
  
  On June 24, 2024, Lili closed your account for risk management reasons, which resulted from a recall we received related to four inbound wires totaling $7,050.00. Lili sent you a check in the amount of $2,391.43 for your remaining balance, which was mailed to your registered address on ************************************** (Check #1).
  
  On June 28, 2024, you provided an account statement suggesting that the originating bank did not recall the wires in question. A customer service representative responded on July 1, 2024, that we had no reason to believe the wire recall was rescinded. On the same day, you requested that a new check be issued to an alternative address in *********, **. Your initial check was then canceled, and a second check was issued to you on July 10, 2024 (Check #2) by *****************
  
  On July 28, 2024, you contacted Lili to inform us you did not receive Check #2. You questioned whether it had been sent to the correct address and requested the funds be sent as an ACH transfer due to the delay. A Lili customer support agent informed you that we could not send the remaining funds by ACH transfer.
  
  On July 30, 2024, you called Lili to inform us that your refund check was not received within 14 business days. A customer support agent told you that the check issued on July 10, 2024, was not returned to us, and we would need to cancel it before we could issue you a new check.
  
  On August 5, 2024, a third check for $2,391.43 (Check #3) was sent to your updated address.
  

  On August 8, 2024, you asked whether the check could be sent by certified mail and requested confirmation that the check was mailed to the correct address. The agent informed you that the check was sent to the correct address and that it could not be sent via certified mail.
  
  In short, we have confirmed that Check #3 was sent to the updated address that you provided to us, which is a residence in *********, **********. We have no reason to believe that the check was improperly delivered. Nevertheless, we have canceled Check #3 and will send you an email to confirm, yet again, your updated address so we can issue another refund check to you.
   
  Best Regards,
  Lili Compliance Team

  
  

• Initial Complaint

  08/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Dear Better Business Bureau,I am writing to express my dissatisfaction with ********************** and Lili Bank. As a loyal customer since 2019, I have lost trust in their services after a distressing recent experience.On May 20th, my debit card was stolen, leading to nearly $5,000 in fraudulent charges at various online retailers. Upon reporting this to Lili Bank, I provided all necessary evidence, but my dispute was denied within 12 hours, stating no error was made. Shortly after, my account was closed, categorized as too much of a risk. This swift action left me perplexed and unsupported.I noticed the thief used their own address for billing, raising concerns about Lili Banks fraud prevention measures. As someone who has consistently paid fees, I expected better protection for my funds. I am appealing the denial of my claim and have gathered additional evidence, but Lili Bank's policy prevents me from resubmitting previous evidence.The billing address discrepancy should have triggered a more thorough investigation. Overall, my experience has highlighted serious shortcomings in their customer service and security protocols.Thank you for your attention to this matter.Sincerely, ***************************

  Business response

  08/19/2024

  Re:  *************************** to Better Business Bureau (BBB)

  Dear ***************************:  
  
  Lili App Inc. (Lili) is writing in response to your complaint to the Better Business Bureau (BBB) of August 6, 2024, which was forwarded to Lili by its sponsor bank, Choice Financial Group (Choice Financial). Lili is responding on behalf of both Lili and ***************** At the outset, please know we take customer service and regulatory compliance matters seriously.
  
  In your BBB complaint, you explained that your debit card was stolen on May 20, 2024. Subsequently, you claim that nearly $5,000 in fraudulent charges were made at various online retailers. We note that your account balance on May 20, 2024 was $3478.06, so it would not have been possible for nearly $5,000 to have been charged to the account fraudulently.
  
  You reported the unauthorized charges to Lili, and your dispute was resolved within 12 hours of reporting. However, the dispute was denied, and your account was closed shortly after. You mentioned that the thief used their billing address, which you believe should have triggered a more thorough investigation. You appealed the decision and provided additional supporting documentation to Lili.
  
  You are requesting a refund for the disputed amount. 
  
  Lili has reviewed your account history in light of your complaint and provides the following summary: 
  
  On May 22, 2024, you contacted Lili to report 45 unauthorized transactions totaling $5,579.54 between May 12, 2024, and May 22, 2024. In your dispute submission, you stated that your debit card was stolen. You provided a confirmatory email along with a police report filed with the Riverside County Sheriffs Department as evidence. The police report states that your wallet was stolen on May 19, 2024. So, there appears to be some inconsistency as to when your card was purportedly stolen - May 19, 2024 (on the police report); May 20, 2024 (on the BBB complaint); and May 12, 2024 (the first transaction date of the transactions you reported to Lili as fraudulent). 
  
  Moreover, our dispute team found it unusual that 17 of the 45 transactions (totaling $2,295) you disputed were sent to a CashApp account in your name. A review of your account history revealed you had previously sent funds fifteen times to the same Cash App account without disputing those transactions, which led us to believe that the transactions were legitimate. 
  
  After you received a tax refund payment on May 7, 2024, you moved $597.62 to your tax bucket (sub-account) via the ********************. You then logged into your account and moved that amount back to your main checking account on May 21, 2024, where it was used for additional purchases that you claim were fraudulent. Since you were or should have been aware of the purportedly fraudulent activity, it seems odd that you would have transferred money back to the main account that you believed was compromised. 
  
  You also disputed five PIN transactions (one at *************, two at *******, and one at 7/11 stores). In order for a fraudster to make these transactions, they would have needed your card and your PIN. Since you did not report your PIN stolen, we believe these transactions are also legitimate. There were a total of 18 PIN transactions from May 14 - 20, 2024, including three charges at a bar at the ************* on May 16, 17, and 20, 2024. 
  
  You logged into your account nine times between May 14 and 22, 2024. Each time, you had an opportunity to view the purported fraudulent transactions and freeze your card, but your card was not frozen until May 21, 2024. 
  
  As for the billing address, merchants may or may not verify the billing address as a security measure. Regarding the account closure, since we determined that the account was beyond our risk tolerance, it was closed. We wish you the best in finding a financial provider for your business needs. 
   
  Best Regards,
  
  Lili

• Initial Complaint

  07/16/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  My card was stolen lili disputed the transactions that was unauthorized but didn't put my money back on my account that was taken from me I would like my dispute reopened and my money back to me then closed my account without giving me my money back.

  Business response

  07/18/2024

  Re:  ********************* to Better Business Bureau (BBB)
  
  Dear *********************:  
  
  Lili App Inc. (Lili) is writing in response to your complaint to the Better Business Bureau (BBB) of July 15, 2024, which was forwarded to Lili by its sponsor bank, ********************** ******************* Lili is responding on behalf of both Lili and ***************** At the outset, please know we take customer service and regulatory compliance matters seriously.
  
  In your complaint, you explained that your Lili Debit card and PIN were stolen from your car, and someone withdrew money from your account. You are requesting that the dispute be reopened. 
  
  Lili has reviewed your account history in light of your complaint and provides the following summary: 
  
  On March 31, 2024, you opened a Lili business deposit account under the name Clear Paths LLC. 
  
  On April 18, 2024, you contacted Lili to report 8 unauthorized transactions totaling $3,412.60. In your dispute submission, you mentioned that you were uncertain about the whereabouts of your lost card, but stated that your Personal Identification Number (PIN) was written on the card.
  
  As a fraud prevention measure, your card was canceled the same day you submitted the dispute, and a new one was issued.
  
  On May 31, 2024, Lili notified you that the dispute was resolved in your favor, and you received a full refund for the disputed transactions the same day.
  
  On June 13, 2024, you contacted Lili to report 12 unauthorized transactions totaling $3,374.90. You explained that your Lili card was stolen on June 4, 2024 and that you did not authorize anyone else to use it. You also mentioned that you never shared your Personal Identification Number (PIN) and that you have it memorized. The card was canceled on the same day, and a new one was issued.
  
  On June 18, 2024, you were informed that Lili had made the difficult decision to close your account, and on June 27, 2024, you were informed that your claim was denied. 
  
  Our dispute team found that all the disputed transactions require a PIN, which you claim to have memorized. We believe you failed to protect your PIN properly, as seemed to be the case when you wrote your PIN on your card the first time you filed a dispute. 
  
  Regrettably, your account was considered to be outside of our risk tolerance and so we closed it.
  
  We hope this explanation is helpful. 
   
  Best Regards,
  Lili Compliance Team
  

  Customer response

  07/18/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

   

   The first dispute my card and pin was lost  and the second dispute my card and pin was stolen out my car and I never said my pin was wrote on the card it was wrote on the paper my card came on and the card and that paper was stolen out my car when my car got broke into and I never said I memorized my pin ********************** just dont care that my money was tooken  and thats a excuse not to give my money back that was tooken from me and its all lies i will just contact the news people to warn people about the company i will also file a lawsuit 

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

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

  Business response

  07/25/2024

  Re:  ********************* to Better Business Bureau (BBB)
  
  Dear *********************:  
  
  We are responding to your July 22, 2024, communication to the Better Business Bureau in reply to our response to your recent complaint. Lili App Inc. (Lili), a financial technology company, and its sponsor bank, ********************** ******************* the issuer of your Lili **** Debit Card, take your concerns very seriously and respond to your most recent communication below.
  
  In your reply, you explained that your card and PIN were lost when you filed your initial dispute. Regarding your second dispute, you state that you never said that your PIN was written on the card; it was written on the paper card carrier that came with your card, which was stolen from your car along with your card. 
  
  Lili has reviewed your account history in light of your complaint and provides the following summary: Your dispute of April 18, 2024, for eight unauthorized transactions totaling $3,412.60 was found in your favor. On May 31, 2024, you received a full refund for the disputed transactions. 
  
  On June 13, 2024, you called Lili to report 12 unauthorized transactions totaling $3,374.90. You explained that after receiving our notice that you won the dispute, you logged into your account and noticed multiple unauthorized transactions. You informed the customer service agent you were unsure when or where the card went missing, but you recently had some personal items stolen from your car. The customer service agent asked whether your PIN was memorized, and you explained you believed you had it written down, but you were unsure. 
  
  On June 18, 2024, you were informed that Lili made the difficult decision to close your account, and on June 27, 2024, you were informed that your claim was denied. 
  
  After reviewing your June 13, 2024, call with our customer service agent, you indicated that you wrote down your PIN on a piece of paper and left it in your car. We believe that you were negligent and did not adequately safeguard your PIN as it was left on a piece of paper in your car along with your debit card.
  
  Regrettably, your account was considered to be outside of our risk tolerance and so we closed it. We hope this explanation is helpful. 
   
  Best Regards,
  Lili Compliance Team
  

• Initial Complaint

  07/15/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  As of July 1st, 2024, Lili Bank has closed my account and will not return my money to me. I have less then $100 in the account that will be used in conjunctions with other funds for a prototype. I cannot access my account to even check the bank statement. The app will not let me past the login screen. I did not receive any letter, notification, or email regarding my account being be closed. This company is NOT for Small Businesses.

  Business response

  07/23/2024

  Re:  *********************************** to Better Business Bureau (BBB)
  
  Dear ***********************************:  
  
  Lili App Inc. (Lili) is writing in response to your complaint to the Better Business Bureau (BBB) of July 16, 2024, which was forwarded to Lili by its sponsor bank, ********************** ******************* Lili is responding on behalf of both Lili and ***************** At the outset, please know we take customer service and regulatory compliance matters seriously.
  
  In your complaint, you state that your account was closed, and your funds were not returned. You explain that you have yet to receive an account closure notice, and at the time of closure, you had less than $100.00 in your account. Also, you cannot access your account or check your bank statement. You are requesting a return of your available funds. 
  
  Lili has reviewed your account history in light of your complaint and provides the following summary: 
   
  On July 1, 2024, Lili closed your account due to dormancy. Your last transaction was at *************** on April 7, 2024. At the time of closure, you had an available balance of $10.25. 
  
  On July 1, 2024, a check for your remaining balance was processed and sent to your registered address in **************, ******
  
  On July 16, 2024, you called Lili because you couldn't access your account. The customer service agent informed you of the reason for the closure, confirmed your available balance, and told you that a check for your remaining balance had already been mailed to you. The customer service agent also emailed you a copy of your account statements.
  
  In summary, your account was closed due to dormancy. A check for your remaining balance has been mailed to you, and you have received a copy of your account statements. 
  
  We hope this explanation is helpful and wish you the best in finding a suitable financial service provider for your business.
   
  Best Regards,
  Lili Compliance Team
  

• Initial Complaint

  06/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My card and pin was taken out my car and someone took the money off my account and that was money I made and it was just taken from me and lili said they didn't find no error and I I have bills to pay on my business cards and can't pay them due to this happening and can't pay my company vehicle car note now I'm just out my money and my account closed I ask that the business reopen my dispute and try to get my money back.

  Business response

  07/15/2024

  Re:  ********************* to Better Business Bureau (BBB)
  
  Dear *********************:  
  
  Lili App Inc. (Lili) is writing in response to your complaint to the Better Business Bureau (BBB) of June 28, 2024, which was forwarded to Lili by its sponsor bank, ********************** ******************* Lili is responding on behalf of both Lili and ***************** At the outset, please know we take customer service and regulatory compliance matters seriously.
  
  In your complaint, you explained that your Lili Debit card and PIN were stolen from your car, and someone withdrew money from your account. You are requesting that the dispute be reopened. 
  
  Lili has reviewed your account history in light of your complaint and provides the following summary: 
  
  On March 31, 2024, you opened a Lili business deposit account under the name ***** ***** ***. 
  
  On April 18, 2024, you contacted Lili to report 8 unauthorized transactions totaling $3,412.60. In your dispute submission, you mentioned that you were uncertain about the whereabouts of your lost card, but stated that your Personal Identification Number (PIN) was written on the card.
  
  As a fraud prevention measure, your card was canceled the same day you submitted the dispute, and a new one was issued.
  
  On May 31, 2024, Lili notified you that the dispute was resolved in your favor, and you received a full refund for the disputed transactions the same day.
  
  On June 13, 2024, you contacted Lili to report 12 unauthorized transactions totaling $3,374.90. You explained that your Lili card was stolen on June 4, 2024 and that you did not authorize anyone else to use it. You also mentioned that you never shared your Personal Identification Number (PIN) and that you have it memorized. The card was canceled on the same day, and a new one was issued.
  
  On June 18, 2024, you were informed that Lili had made the difficult decision to close your account, and on June 27, 2024, you were informed that your claim was denied. 
  
  Our dispute team found that all the disputed transactions require a PIN, which you claim to have memorized. We believe you failed to protect your PIN properly, as seemed to be the case when you wrote your PIN on your card the first time you filed a dispute. 
  
  Regrettably, your account was considered to be outside of our risk tolerance and so we closed it.
  
  We hope this explanation is helpful. 
   
  Best Regards,
  Lili Compliance Team
  

• Initial Complaint

  06/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to formally dispute several unauthorized transactions and withdrawals made on my Lili account. Despite my prompt notification, I was informed that Lili requires 90 days to investigate these transactions. This duration contradicts the timelines established by federal law.Under the Fair Credit Billing Act (FCBA) and the *************** Transfer Act (****), financial institutions are required to resolve disputes within 10 business days. If more time is needed, the law mandates provisional credit to the account within this initial 10 business day period, with a maximum of 45 days allowed for extended investigation. Specifically, the **** (15 U.S.C. 1693f) and Regulation E (12 C.F.R. *******) require that provisional credit be provided within 10 business days for disputes concerning electronic fund transfers.Lilis claim of needing 90 days to investigate is not compliant with these legal requirements. I request that Lili:1.Immediately provisionally credit the disputed amount to my account as required by law.2.Complete the investigation and provide a resolution within the legally mandated 45-day period, if the initial 10 days are insufficient.3.Provide a clear and detailed timeline for the investigation process.

  Business response

  07/15/2024

  Re:  ******************* to Better Business Bureau (BBB)
  
  Dear *******************:  
  
  Lili App Inc. (Lili) is writing in response to your complaint to the Better Business Bureau (BBB) of June 28, 2024, which was forwarded to Lili by its sponsor bank, ********************** ******************* Lili is responding on behalf of both Lili and ***************** At the outset, please know we take customer service and regulatory compliance matters seriously.
  
  In your complaint, you explain that Lili notified you that your debit card transaction dispute would take 90 days to resolve, and you believe this violates federal regulations. You specifically reference the Fair Credit Billing Act (FCBA) and the Electronic Funds Transfer Act (EFTA), where you claim financial institutions must investigate disputed transactions within ten business days. If additional time is necessary, you believe, they must provisionally credit the disputed amount to the account within this initial ten business days and complete the investigation within 45 days. You are requesting provisional credit, resolution within 45 days, and a timeline for completion of the investigation. 
  
  Lili has reviewed your account history in light of your complaint and provides the following summary: 
  
  As you were notified, certain regulations apply only to consumer accounts, not business accounts, such as the Electronic Funds Transfer Act and Regulation E, which contain the error resolution timeframes you reference. Notwithstanding this change, Lili attempts to investigate all disputes promptly and resolve them within a commercially reasonable timeframe. 
  
  On June 1, 2024, you emailed Lili to dispute unauthorized charges of $420.98. The transactions you disputed were a charge at Tillys in **********, **, two ATM withdrawals at ******* in ********** (and two related ATM fees), a ******* charge in *******, **, and a ******* charge in **********, *** 
  
  As a fraud prevention measure, on the same day that you submitted the dispute, your card was canceled, and a new one was issued to you. The following day, a Lili customer support agent informed you that we could not file a claim until the transactions were settled. 
  
  On June 3, 2024, Lili requested additional information to support the dispute, such as the merchant's name, date, and amount for each transaction(s). You responded the following day, and a dispute was filed on your behalf. Lili informed you by confirmatory email that disputes are typically resolved in 90 days. 
  
  It has been 41 days since the dispute was submitted, and we expect a resolution within the timeframe that we provided to you. Disputes are often resolved much sooner than 90 days from the date of submission.
  
  We apologize for any inconvenience this issue may have caused and hope this explanation is helpful. 
   
  Best Regards,
  Lili Compliance Team
  

• Initial Complaint

  06/18/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I been with lili almost a year started using them in October of last year its supposed to be a business bank account well yesterday I was at a home going service and they closed my account out of nowhere.. since last week Ive had them move money to my savings account for me so they did that but after I wanted access to my account I couldnt get it so I checked my email and said they were closing my account because of beyond risk appetite whatever that means every dime in my account is all I had I dont have 14 days to wait on my money as my life is falling apart.. I reached out and where **** and nasty wasnt a supervisor there called me back he wasnt professional as they can over your money

  Business response

  06/25/2024

  Re: ******* ****** to Better Business Bureau (BBB)
  
  Dear ******* ******:  
  
  Lili App Inc. (Lili) is writing in response to your complaint to the Better Business Bureau (BBB) of June 18, 2024, which was forwarded to Lili by its sponsor bank, ********************** ******************* We understand that this situation has been distressing for you, and we want to assure you that we take customer service and regulatory compliance matters very seriously.
  
  In your complaint, you explain that Lili closed your business account without providing a reason. You continued to explain that you could not access your account, and after checking your email, you were informed that your account was closed. You stated that you could not wait 14 days to receive your funds, and after contacting Lili, our customer service agent was rude to you. 
  
  After closing your account, we issued you a check on June 19, 2024, for your remaining balance of $495.99, which you cashed on June 24, 2024. Unfortunately, we are unable to provide you with details about the account closure. We monitor account activity closely and have determined that your account is beyond our risk appetite. 
  
  We wish you the best in finding a financial services provider for your business needs.
  
  Best Regards,
  
  Lili Compliance
  
  

• Initial Complaint

  06/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I made an auto loan payment on May 30st which posted May 31st and used my business bank account through ********************** to make the payment. At that time, I had sufficient funds which is why I scheduled the payment. Thinking everything was fine, I noticed that the payment was not deducted from my checking account for a week. I emailed support to inquire about why the payment hasn't been deducted from my account after all this time. They explained the reason as to why the payment is still not deducted on my Lili account was due to the payment being returned by auto loan company due to the available cash reserve balance is not sufficient to cover the transaction during that time. Again, I made sure I had enough available before scheduling the payment. I confirmed the payment was received by the auto loan provider before replying back and asked support how to resolve this issue and have it reflect on my account that the payment was taken out as per the *********** rep stated. The support team said it was returned because of insufficient funds but since I mentioned they have already received the funds. They placed a hold on the funds while they "work on resolving the issue." I sent screenshots on what the payment posted to confirm with *********** the payment was received. Last thing they said was they would provide an update once they hear from the appropriate ***** It has now been over a week. I saw the $700 gone from the account with no trace of it or in my transaction history.I kept getting notifications from *********** that I was missing a payment and now my account is late. I called *********** to clarify and I was told it now states the funds has been returned back to my lili account. However, my $700 is no where to be found to in my account and never got it back. This is frustrating because no one knows where it is and I never been late on a car payment until now due to all of this. I emailed yesterday about this and today. I would like my money back in my account!

  Customer response

  06/17/2024

  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 and the matter has been resolved.
  
  Sincerely,
  
  *************************
  
  
  
   
  
  

• Initial Complaint

  06/13/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  On April 17,2024 I called to close my Lili account. The reason is I realized it would be better for my business if I had a brick and mortal local bank where I could utilize regular checks.It is now June 13, 2024 and after many phone calls and emails I have yet to receive the balance of my account, app. $2000. They have supposedly sent me now two checks, I never received Last conversation they said it takes 14 business days. It is now well beyond and their last response is in order to issue another, they have to wait to cancel the one I did not receive. These excuses feel very much like a scam.

  Customer response

  06/18/2024

  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 and the matter has been resolved.
  
  Sincerely,
  
  ***************************************
  
  
  
   
  
  

• Initial Complaint

  06/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Lili Financial Institution shut my bank account down without a reason. They stated they couldnt give out personal information but I had to give them personal information to set up the account.

  Business response

  06/25/2024

  Re: ************************* to Better Business Bureau (BBB)
  
  Dear *************************:  
  
  Lili App Inc. (Lili) is writing in response to your complaint to the Better Business Bureau (BBB) of June 11, 2024, which was forwarded to Lili by its sponsor bank, ********************** ******************* We understand that this situation has been distressing for you, and we want to assure you that we take customer service and regulatory compliance matters very seriously.
  
  In your complaint, you explain that Lili closed your business account without providing a reason and that you were not provided personal information regarding the closure.
  
  Unfortunately, we are unable to provide you with details about the account closure. We can tell you that we monitor account activity closely and have determined that your account is beyond our risk appetite. 
  
  We wish you the best in finding a financial services provider for your business needs.
  
  Best Regards,
  
  Lili Compliance
  

*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. ↩