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:01/03/2024

  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 have previously contacted Lendly via mail on 9/21/2023 about account no: 4970** and NEVER received any response. I am demanding this account to be DELETED from my Transunion report due to its inaccurate reporting violating the 2023 Florida Consumer Collection Practices Act, section 559.72 (5). Lendly, whose loans are offered by Capital Community Bank (CCBank) in the state of Florida, illegally sold this account to a third party, Plaza Services on 12/9/2021. Plaza Services has also denied responsibility for the reporting of any information on this account to TransUnion. According to section 559.72 (5) of the 2023 Florida Consumer Collection Practices Act, a debt collector or creditor is prohibited from furnishing information to any consumer reporting agency, including TransUnion, with knowledge that the information is incorrect, false, or misleading. I contend that the reporting to TransUnion of this account is based on inaccurate information and is in violation of this provision. I have filed several complaints and disputes with both Lendly and Transunion and am demanding that you promptly REMOVE this account from my Transunion consumer file. Given the illegal sale of my account to Plaza Services and their denial of responsibility, it is imperative that you rectify this situation as it is in violation of the FCCPA. Failure to do so will and protect my rights as a consumer. I have attached copies of supporting documents that substantiate my claim, including evidence of the illegal sale of my account and Plaza Services' denial of responsibility for the reporting. Please provide me with written confirmation once the disputed information has been corrected and removed from my credit report. Additionally, I request that you inform TransUnion of the correction in accordance with the Fair Credit Reporting Act. If you fail to address this dispute within the required timeframe, I may be forced to take legal action to protect my rights as a consumer.

  Business Response

  Date: 01/11/2024

  Lendly, LLC (“Lendly”) is in receipt of the consumer’s complaint. We take consumer complaints seriously and appreciate the opportunity to address the consumer’s concerns.????? 
  
  Given the nature of the consumer’s allegations, please be advised that privacy regulations prohibit Lendly from disclosing confidential consumer information to third parties without a specific, written authorization.??However, if this consumer is a Lendly customer, this matter will be forwarded to the appropriate representative for review and resolution.
  
  Notwithstanding the foregoing, to extent this complaint suggests that Lendly “violated 2023 Florida Consumer Collection Practices Act”, please be advised that Lendly is an authorized servicer for Capital Community Bank (“CCBank”). CCBank is a Utah state-chartered bank with the FDIC as its primary federal banking regulator. Lendly is not a debt collector under FDCPA.
  We appreciate this matter being brought to our attention. Lendly invests heavily in maintaining consumer relations and considers consumer satisfaction a high priority.??? 

  Customer Answer

  Date: 01/11/2024

  
  Complaint: ********
  
  I am rejecting this response because: the account has not been removed from my Transunion support. I have provided evidence to confirm my identity to resolve this issue. 
  
  Sincerely,
  
  ******* *****

  Business Response

  Date: 01/18/2024

  Lendly, LLC (“Lendly”) has previously responded to the BBB regarding this issue. As previously stated, due to consumer financial privacy rules, we are unable to share more specific details of our response with the BBB regarding the customer’s concerns. However, the appropriate entity to handle this consumer’s claims has been notified of this matter and will assist the consumer with her claim. Additionally, upon receipt of the consumer’s rejection of our previous response, we have attempted on multiple occasions to contact the consumer to address her concerns; however, she has not responded to any of our communications. In closing, we believe this consumer’s matter will be resolved by the appropriate entity handling her claim, and we appreciate this matter being brought to our attention. As always, Lendly invests heavily in maintaining consumer relations and considers consumer satisfaction a high priority.

  Customer Answer

  Date: 01/26/2024

  
  Complaint: ********
  
  I am rejecting this response because I have not recieved any communication from Lendly regarding this matter. I am demanding this erroneous information to be removed from my Transunion consumer report. 
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:12/26/2023

  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 filed bankruptcy on Dec 5th but Lendly still took my payment out on Dec 18th. They had almost 2 weeks of a heads up from the bankruptcy court, also it's against bankruptcy law to take funds. I have emailed and called about getting the payment refunded and closing my account so this doesn't happen again, and my lawyer has reached out as well and we keep getting the run around. They had emailed back a few days ago about escalating the issues to the Escalation team and they would reach out, but no one ever did. I called today (12/21) and was told by an associate that I can't contact them anymore because I'm not the lawyer. When my lawyer called today she was told they won't talk to her BECAUSE she is a lawyer and someone from legal would reach out today, but did not day how by phone or email, or when. It's almost Christmas and these funds need returned ASAP!!!

  Business Response

  Date: 01/04/2024

  Lendly, LLC (“Lendly”) is in receipt of the consumer’s complaint. Lendly is an authorized servicer for Capital Community Bank (“CCBank”). CCBank is a Utah state-chartered bank with the FDIC as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns.???? 
  Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Lendly from disclosing confidential consumer information to third parties without a specific, written authorization.?? Notwithstanding the foregoing, please note that it is Lendly’s customary practice to reach out to the consumer or their representation at issue in an effort to resolve BBB concerns, and we have deemed this issue resolved.
  We appreciate this matter being brought to our attention. Lendlyinvests heavily in maintaining consumer relations and considers consumer satisfaction a high priority.?? 

• Initial Complaint

  Date:11/27/2023

  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.

  Lendly was told immediately that I didn’t accept the terms of this loan and that I was unaware of its content. I did not agree to a loan of over 300% interest rate and this lender was deceptive in their handling of this loan. I immediately wrote Lendly requesting to have the loan lowered to the Michigan state maximum if 25% interest rate per usury law of Michigan. I have now reporter Lendly to the the federal trade commission for a forensic audit and investigation due to failure to fix this loan or close it completely and stop collecting interest. I am not responsible for this loan and I never agreed to the terms. I was lied to about this loan. I have also reporter this to the Michigan ATTORNEY GENERAL. Lendly is a predatory loan company and I am happy the government is handling my case with a formal investigation. Lendly needs to remove this loan from my credit report and stop collecting interest. This account is closed and being investigated.

  Business Response

  Date: 12/01/2023

  Lendly, LLC (“Lendly”) is in receipt of the consumer’s complaint. We take consumer complaints seriously and appreciate the opportunity to address their concerns.   
  
  To the extent this complaint suggests that Lendly is a lender, please be advised that Lendly is not a lender but instead an authorized servicer for Capital Community Bank (“CCBank”). CCBank is a Utah state-chartered bank with the Federal Deposit Insurance Corporation as its primary federal banking regulator. Consequently, CCBank is governed by both federal banking laws and the laws of the State of Utah. Additionally, to the extent this complaint questions the legality of a CCBank loan serviced by Lendly, be further advised that pursuant to 12 U.S.C. § 1831d, CCBank has the authority to export Utah’s permissible interest rates. CCBank is legally permitted to conduct business in this consumer’s state, and there is no limitation imposed on the interest rates associated with a loan agreement with CCBank. Notwithstanding this fact, CCBank loans serviced by Lendly do not have interest rates of “over 300%” as suggested in the complaint.
  
  Finally, given the nature of the consumer’s remaining allegations, please be advised that privacy regulations prohibit Lendly from disclosing confidential consumer information to third parties without a specific, written authorization.  However, if this consumer is a Lendly customer, this matter will be forwarded to the appropriate representative for review and resolution.

• Initial Complaint

  Date:11/08/2023

  Type:Billing 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.

  My name was used to fraudulently obtain a loan from Lendly. I found out about this when a collection company contacted me. I reached out to Lendly and they confirmed a loan of $1000 was issued using my employers name, my social security number and a fake email and phone number. I asked Lendly to verify the person was not me and clean up the mess. They told me I had to contact the third party collection company, ***** ******** **** Lendly told me once it goes to collection there is nothing they can do. This is ridiculous as they have generated the loan and have implicated me in collection proceedings. I would like to have this whole process investigated to remove any derogitory records that are tied to me.

  Business Response

  Date: 11/17/2023

  Lendly, LLC (“Lendly”) is in receipt of the consumer’s complaint. Lendly is an authorized servicer for ******* ********* Bank (“******”). ****** is a Utah state-chartered bank with the FDIC as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns.   
  Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Lendly from disclosing confidential consumer information to third parties without a specific, written authorization.   Notwithstanding the foregoing, please note that it is Lendly’s customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns, and we have already spoken with the consumer regarding this issue.   
  We appreciate this matter being brought to our attention. Lendly invests heavily in maintaining consumer relations and considers consumer satisfaction a high priority. 

  Customer Answer

  Date: 11/27/2023

  
  Complaint: ********
  
  I am rejecting this response because:

  Lendly has not taken action as I requested.  I contacted them last on 11-14-23 and have NOT heard anything back yet. I am attaching the letter to Lendly LLC with required actions, and the response I received from *** *** (debt collector) which states they are closing the account and sending the information back to Lendly as it is clearly a fraudulent loan.  I have filed a police report, a FTC complaint, and the Consumer Finance Protection Bureau.  This issue is affecting my credit reports, which is now affecting my insurance premiums.  It needs to be resolved ASAP.
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 12/06/2023

  Lendly, LLC (“Lendly”) is in receipt of the consumer’s complaint. Lendly is an authorized servicer for ******* ********* Bank (“******”). ****** is a Utah state-chartered bank with the FDIC as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns.   
  Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Lendly from disclosing confidential consumer information to third parties without a specific, written authorization.   Notwithstanding the foregoing, please note that it is Lendly’s customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns, and we have already spoken with the consumer regarding this issue. 
  As of the date of this response, we have confirmed that this matter has been resolved and the appropriate entity to handle this consumer’s claims has been notified. We appreciate this matter being brought to our attention. Lendly invests heavily in maintaining consumer relations and considers consumer satisfaction a high priority.

  Customer Answer

  Date: 12/17/2023

  I just heard back from the third and final credit reporting agency yesterday, December 15, 2023 - all three have now removed the collection information from my reports.  I was waiting to get all three credit agencies to confirm they have corrected my credit reports before I was going to let Lendly know the damage has been resolved.  Please let them know I appreciate their help to resolve this issue.  I would hope that they would be more careful in the future to verify identity of each person applying for a loan.  In the end, they did the right thing and helped clear my name.

  ****

• Initial Complaint

  Date:11/01/2023

  Type:Billing 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 was told my account would be deleted from all three credit bureaus once it was paid off. I also asked to have the fraudulent late payments removed from my account because I was never provided the bank statements from your company proving I was late. You are violating my rights under the FCRA and reporting this account differently on all three credit reporting agencies. I paid on time but you are listing this account as late for February 2023 was 30 days late on Equifax but on time for TransUnion and Experian and then 30 days late for March 23 for Experian and TransUnion but on time for Equifax. Please remove this account from all three credit reporting agencies.

  Business Response

  Date: 11/03/2023

  Lendly, LLC (“Lendly”) is in receipt of the consumer’s complaint. Lendly is an authorized servicer for Capital Community Bank (“CCBank”). CCBank is a Utah state-chartered bank with the FDIC as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns. 
  Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Lendly from disclosing confidential consumer information to third parties without a specific, written authorization.   Notwithstanding the foregoing, please note that it is Lendly’s customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns. 
  As of the date of this response, we have confirmed that this matter has been resolved. We appreciate this matter being brought to our attention. Lendly invests heavily in maintaining consumer relations and considers consumer satisfaction a high priority.

  Customer Answer

  Date: 11/03/2023

  
  Complaint: ********
  
  I am rejecting this response because:

  This issue of your company reporting a closed paid account from your company is reporting differently on all 3 credit bureaus and it has not been deleted like I was told in writing and the late payments where never proven. I have hired a attorney to assist me in getting this account removed by your company.
  
  Sincerely,
  
  ***** *****

  Business Response

  Date: 11/09/2023

  Lendly, LLC (“Lendly”) is in receipt of the consumer’s complaint. Lendly is an authorized servicer for Capital Community Bank (“CCBank”). CCBank is a Utah state-chartered bank with the FDIC as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns. 
  Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Lendly from disclosing confidential consumer information to third parties without a specific, written authorization.   Notwithstanding the foregoing, please note that it is Lendly’s customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns. 
  Additionally, be advised we have reported this debt to consumer reporting agencies, but in acknowledgement of this dispute, a request to delete the tradeline associated with this loan has been sent to applicable credit bureaus. Consumer reporting agencies may take up to 30 days or longer to update reports and this is beyond our control.
  As of the date of this response, we have confirmed that this matter has been resolved. We appreciate this matter being brought to our attention. Lendly invests heavily in maintaining consumer relations and considers consumer satisfaction a high priority. 

  Customer Answer

  Date: 11/10/2023

  
  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:10/19/2023

  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.

  My account was debited $78.90 for a loan I never received. I was told I will get a check within 14 days, which never came. I finally called almost a month later and they stated my money was sent direct deposit to my account. My banking institution nor I see this transaction on my statement. I want my money, I've been patient long enough. The reason for not getting the loan is I was told I didn't have the correct account information on my direct deposit but they Lendly somehow received my deposit with that same account information. This is feeling like a SCAM.

  Business Response

  Date: 10/27/2023

  Lendly, LLC (“Lendly”) is in receipt of the consumer’s complaint. Lendly is an authorized servicer of ** ******** * ******** ** ******* ********* **** (“******”). ****** is a Utah state-chartered bank with the FDIC as its primary federal banking regulator. We take consumer complaints seriously and appreciate the opportunity to address their concerns. 
  Due to the nature of the instant complaint, please be advised that privacy regulations prohibit Lendly from disclosing confidential consumer information to third parties without a specific, written authorization.   Notwithstanding the foregoing, please note that it is Lendly’s customary practice to reach out to the consumer at issue in an effort to resolve BBB concerns. 
  As of the date of this response, we have confirmed that this matter has been resolved. We appreciate this matter being brought to our attention. Lendly invests heavily in maintaining consumer relations and considers consumer satisfaction a high priority.

• Initial Complaint

  Date:08/09/2023

  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.

  Dear BBB, I am writing to file a formal complaint against Lendly regarding their failure to provide notification of a charge off and their continued negative reporting on my credit report. Additionally, Lendly has shown a complete lack of response and communication when I attempted to address these concerns. On October 22, 2021, I sent an email to Lendly stating, "I have not received any correspondence" but did not receive any response from them. This was followed by another email on October 29, 2021, where I expressed my frustration regarding the lack of response and my attempts to make a payment on my loan. They did not acknowledge this email either. Furthermore, on November 30, 2021, I contacted Lendly to report that a debt collector from Valor had contacted me and harassed me regarding the debt. I explicitly asked not to be contacted by Valor due to the threats I received. In that same email, I also requested a payment arrangement on the loan. However, Lendly failed to respond to this email as well. A new creditor named January took over debt, and I received no notification from Lendly regarding the charge off. I only learned about it when I received communication from the new collector, Halstead, via email. On May 19, 2023, I sent a request to Lendly to verify the debt, but they did not respond. Lendly never sent me any billing statements via USPS or email before charging off the debt. Additionally, I have not received a 1099 indicating that the debt was charged off, yet they continue to report it on my credit report. I believe that Lendly's actions are in violation of the Fair Credit Reporting Act (FCRA) and I would like to cite the following sections: 1. FCRA Section 611(a)(5)(A) - Notification of Charge Off: Lendly failed to provide me with proper notification of the charge off, 2. FCRA Section 609(a)(1)(A) - Right to Verification: Lendly did not respond to my request to verify the debt and provide necessary documentation.

  Business Response

  Date: 08/14/2023

  Lendly, LLC (“Lendly”) is in receipt of the customer’s Better Business Bureau (“BBB”) complaint.  We take customer complaints seriously and appreciate the opportunity to address our customers’ concerns. 
  As an initial matter, the lender on this customer’s loan is Capital Community Bank (“CCBank”), a Utah State-chartered bank with the Federal Deposit Insurance Corporation (“FDIC”) as its primary federal banking regulator.  Lendly is an authorized servicer of CCBank.
  In the complaint, the customer alleges a number of claims relating to communications, or his expectations thereof, associated with his CCBank loan.
  First, the customer claims that Lendly was unresponsive to emails he sent on October 22, 2021 and October 29, 2021.  Lendly records indicate that at least seven calls were made to the customer at the phone number provided on the application and two emails were sent to the customer at the email address on the complaint during that period. Unfortunately, none of those attempts resulted in contact with the customer; however, the nine contact attempts that were made within a fifteen-day period cannot be described as unresponsive.
  Second, the customer alleges that Lendly did not provide a notification of “charge off”. According to our records, the customer’s account was transferred on or around November 16, 2021, after which CCBank no longer owned the account, and Lendly no longer serviced the account.. It is our understanding that the account was subsequently sold to Plaza Services, LLC on February 2, 2022. At no point while the customer’s account was owned by CCBank and serviced by Lendly was the account “charged off”, nor did any other activity occur that would necessitate a Form 1099 to be provided to the customer.  To the extent the customer believes he is owed a “notice of charge off” or a Form 1099 from another, subsequent company, neither Lendly nor CCBank are the appropriate parties to which the customer should direct such a request.
  Third, the customer claims Lendly did not respond to his request to verify his debt. According to our investigation, a direct dispute dated May 19, 2023 was received from the customer. Contrary to the customer’s claim in his complaint, Lendly investigated the dispute and mailed an appropriate response to the address on this complaint on June 1, 2023. 
  Finally, the customer claims to have been “harassed” by collection communications. Please be advised, Lendly is not a debt collector under the FDCPA, and CCBank did not own, and Lendly did not service, the account after November 16, 2021. As such, Lendly has not attempted to contact the customer since that date.  Moreover, Lendly and CCBank certainly do not endorse harassment of any kind, including that which the customer claims to have suffered. We encourage the customer to address any such issues with the company that he believes to be responsible for the alleged harassment.  
  As a resolution to the customer’s foregoing claims, the customer requests removal of the negative reporting regarding this loan. Unfortunately, the customer’s request cannot be accommodated. According to our investigation, the account is reported correctly. Thus, the customer’s request to remove correctly reported information is denied consistent with the FCRA’s mandate that complete and accurate information is provided to credit reporting agencies. Nonetheless, please be advised we have reported this debt to consumer reporting agencies, but in acknowledgement of the dispute, we have requested the account be listed as disputed and request the customer let us know if he is no longer disputing the account so that we can update the status.
  We trust this response addresses the customer’s concerns. 

• Initial Complaint

  Date:06/26/2023

  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.

  The consumer must be given the chance to direct the information whether they want the information about a transaction to be reported or not and l am exercising that right and requesting that (CAPCOMBK/Lendly) update the delinquent payments on my account for (March 2022) with accommodations under the Cares Act to be updated to paid as agreed/never late due to being affected by Covid in regards to the HEROES ACT. Please see attached as it provides my request to opt of (CAPCOMBK/Lendly) sharing information about my: -Account transactions -Transaction History and Credit history -Account balances and Payment History - My personal information with nonaffiliates to market their products and services to me -Information about my credit worthiness with your affiliates for your everyday business purposes -Do not allow your affiliates to use my personal information to market me

  Business Response

  Date: 06/30/2023

  Lendly, LLC (“Lendly”) is in receipt of the customer’s Better Business Bureau (“BBB”) complaint. Lendly takes the customer’s complaint seriously and has investigated the matter.   
  
  Capital Community Bank (“CCBank”) is the lender on the customer’s October 29, 2021 installment loan and Lendly is an authorized servicer for CCBank. 
  
  In the complaint, the customer requests that Lendly update the payments reported to a credit reporting agency to “paid as agreed/never late” for March, 2022. The customer also requests to opt out of sharing certain types of personal, transactional, and credit information.
  
  In accordance with the customer’s signed agreement with CCBank, which states that the “Lender may report information concerning the account and/or transactions to credit bureaus,” the account history for this loan was reported to TransUnion. Upon receipt of this complaint, the information reported was reviewed and determined to be accurate, including the information reported for March, 2022.  The customer’s request to modify her credit report to include inaccurate information cannot be accommodated as the Fair Credit Reporting Act requires accurate data to be provided to the credit bureau.
  
  Additionally, customer privacy is important to Lendly. During the application process and at the time of loan origination, customers are presented with – and agree to – the privacy policies of both CCBank and Lendly.  As expressly set forth in both privacy policies, certain information may be shared for everyday business purposes such as processing transactions, maintaining consumer accounts, responding to court orders and legal investigations, or reporting to credit bureaus. However, and as also expressly stated in the privacy policies, personal information is never shared with affiliates or non-affiliates for the purpose of marketing to the consumer.
  
  Should the customer have any further questions regarding her account, she may reach Lendly at ************.  

• Initial Complaint

  Date:06/12/2023

  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.

  My Three issues with Lendly 1st I made an extra $100 payment to add to my weekly payroll payment to see if id notices a drop in my loan balance. Mainly because out of my $1000 loan wkly $43 payroll payments only $10 was being applied to my loan balance a wk. Lendly will eat up all your money in interest guys that's just how they operate. So after I paid the extra $100 which made that weeks payment $143 with my $43 weekly payroll money only $52 was applied to my loan balance also my wkly pay scale with Lendly was now off track. Now due to this money being added my weekly payment reads partial payments are being received. This was a huge red flag for me because a Lendly rep was the one who suggested if I wanted to see a major drop in my loan balance then I needed to make a huge payment so I made one. Now look at my pay scale it's not correct im not making partial payments I made an over payment but Lendly say they have no way to correct the pay scale. So I decided to skip two payments an balance it back out myself. Thanks for nothing Lendly. Moving on. Issue #2 I was offered a refinance after my 90 days was up so.ok I took my loan from $1000 which at that time my balance was down to $641 so I opted to increase my loan to $2000 and with Lendly taking my first loan balance of $641 from my second refinanced loan I received a lil over $1400 into my bank acc. The problem here was my first loan was never closed out so now both loans are reported as in good standing on my March 2023 credit report which is when I took the second loan in march. How is it Lendly is reporting two loans in good standing when u can only have one. Explain please? Issue#3 when my second loan was started my first loan was never closed out per my credit report so my payroll is still paying on the 1st loan and the second. Lendly sends me an email stating they sent me.money back due to insufficient funds but I never received any money back now your running an investigation on yourself lendly wow

  Business Response

  Date: 06/15/2023

  Lendly, LLC. (“Lendly”) is in receipt of the customer’s Better Business Bureau (“BBB”) complaint.  We take customer complaints seriously and appreciate the opportunity to address our customers’ concerns.

  As an initial matter, the lender on this customer’s loan is Capital Community Bank (“CCBank”), a Utah State-chartered bank with the Federal Deposit Insurance Corporation (“FDIC”) as its primary federal banking regulator.  Consequently, CCBank is governed by both federal banking laws and the laws of the State of Utah.  CCBank is legally permitted to conduct business in the state of Tennessee.  Lendly is an authorized servicer of CCBank.

  In her complaint, the customer makes a number of claims, each of which will be individually addressed in this response. We hope to address these claims to her satisfaction. 
  

  First, the customer claims that a $100 applied to her loan did not result in a “major drop in [her] loan balance”.

  Our investigation confirmed that the customer received two loans from CCBank.  The first loan originated on 11/21/2022 and refinanced into a new loan on 4/24/2023.  In addition, we can confirm that on 12/15/2022 the customer made a $100.00 payment in addition to her scheduled loan payments.  All payments made toward either of the customer’s loans were applied in accordance with her CCBank loan agreement. The payment in question resulted in a total of $72.30 being applied to her principal balance.  At the time her CCBank loan was refinanced, the balance was an estimated $170.00 less than it would have been had the loan been paid per the original payment schedule.  Contrary to the customer’s claim, the early payment did impact the total cost of the customer’s CCBank loan over time. 
  

  Second, the customer claims that her credit report inaccurately reflects two (2) open CCBank loans and that one of them should be closed by refinance. Our investigation into the credit reporting on the customer’s loans with CCBank found that her tradeline with TransUnion did in fact reflect her refinanced loan as “Open” in error.  As of this writing a request has been filed with TransUnion to update the status of the customer’s closed account.  Lendly has confirmed that the customer’s tradeline is correctly reflected with all other credit bureaus to which the loan was reported.  Credit Bureaus may take up to 30 days to update reports and this is beyond our control.   
  

  Finally, the customer claims she was promised a refund for a payment debited from her checking account and has not yet received it. Our review of her account found that an ACH debit was processed to her bank account on 5/20/2023 which was returned unpaid by her banking institution on 5/25/2023.  The email attached to the customer’s complaint is a notice of the return.  In this case, the term “returned” is being used to indicate that the banking institution declined to honor the debit, not that funds were received and then returned by either Lendly or CCBank. 

  The customer’s requested resolution cannot be accommodated because the payment for which she is requesting a refund was never paid by her banking institution.  Further questions regarding the transaction are best directed to the customer’s financial institution. 
  

  In closing, we hope that we have addressed the customer’s concerns to her satisfaction.  Further questions regarding her CCBank loan are best directed to the Lendly servicing team by either calling ***** ******** or by emailing ********************. 

  Customer Answer

  Date: 07/10/2023

  Consumer's Duplicate Complaint Reopen

  Complaint:
  Hello I am the individual who had three different issues with Lendly reported 6-15-23 I see Lendly consistently attempts to explain lol They took 5 wks to tell me BOA returned my ACH lol Lie #1 my bank states no such ACH from Lendly / Utah Bank was ever received or returned Lie#2 Lendly states that I received a $170 credit to my account how is that possible when my total dollar amount paid that week was only $143 listen Lendly make it make sense They double tapped my pay roll for two different loans at the same time in the same week. Then attempted to lie about sending a refund ACH which is direct deposit to my bank of America acc. Now if this refund actually exist why did I receive a email from Lendly stating insufficient funds as if Lendly was attempting to take money from my BOA acc when all my payments are sent thru my payroll department. Also why is it that when I called Lendly after receiving this insufficient funds email 5-25-23 a rep told me after verifying my account that no refund will be issued that if one will be issued it will be sent as a check Now that's strange because the email from Lendly 5mins prior to my call stated money was returned per ACH due to insufficient funds So if the rep was viewing my acc during this call why didn't she see the mysterious ACH refund that my bank mysteriously returned. Plus why would Lendly send me an email on 5-25-23 stating money was returned due to insufficient funds on 5-19-23 so your telling me not only did my bank return this invisible ACH direct deposit after holding it for three weeks but your Rep never noticed any such ACH payment while viewing my acc during our call on 5-25-23 5mins after receiving this strange email implying insufficient fund lol yeah ok Lendly you have an answer for everything right the problem is your a liar and this is all non sense. So feel free to explain as many times as you like and I will respond with the true. You never closed my 1st loan it was paid off in full

  Consumer’s Desired Resolution:
  Finish the Job

  Business Response

  Date: 07/12/2023

  Lendly, LLC, has previously responded both to the BBB and directly to the customer regarding this issue. As previously stated, the lender with respect to the account at issue is Capital Community Bank (“CCBank”), a Utah state-chartered bank with the Federal Deposit Insurance Corporation as its primary federal banking regulator. Thus, CCBank is governed by both federal banking laws and the laws of the State of Utah. Moreover, pursuant to 12 U.S.C. § 1831d, CCBank has the authority to export Utah’s permissible interest rates. CCBank is legally permitted to conduct business in the state of Tennessee.
  In her complaint, the customer makes a number of claims, each of which will be individually addressed in this response. We hope to address these claims to her satisfaction. 
  First, the customer claims that her credit report inaccurately reflects two (2) open CCBank loans and that one of them should be closed by refinance.  Our investigation conducted in response to the customer’s initial complaint on 6/10/2023 resulted in a correction to her tradeline with TransUnion which was filed immediately.  We have confirmed with the credit bureau that this correction is now reflected on her tradeline.  We encourage the customer to verify the update with the credit bureau directly at her convenience.
  Secondly, the customer claims she was promised a refund for a payment debited from her checking account and has not yet received it. Our review of her account found that an ACH debit was processed to her bank account on 5/20/2023 which was returned unpaid by her banking institution on 5/25/2023.  A second ACH debit in the same amount was processed on 6/12/2023 and was also returned by her banking institution on 6/15/2023.  The email attached to the customer’s complaint is a notice of the return.  In this case, the term “returned” is being used to indicate that the banking institution declined to honor the debit, not that funds were received and then returned by either Lendly or CCBank.  We apologize for any incorrect information provided to her during her call to Lendly on 5/25/2023.  However, the email notice sent to the customer accurately describes the return.
  In closing, we hope that we have addressed the customer’s concerns to her satisfaction.  Further questions regarding her CCBank loan are best directed to the Lendly servicing team by either calling ***** ******** or by emailing ********************. 

• Initial Complaint

  Date:03/31/2023

  Type:Customer Service 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 opened a loan then refinanced it. I then paid the loan in full, with intentions of getting a new one and I was denied. I called to cancel my non normal payment since this was an additional payment I was told no. They closed my account and can't do that. Thus happened over a course of 3 days. I don't understand why my account was closed so fast it was even to the next billing cycle. Now when I log in it acts as if I was never a customer and won't show me my precious loans. I paid every payment on time with an allotment from my pay checks for 19 months! I pay if full and this is how I am treated?

  Business Response

  Date: 04/17/2023

  Lendly, LLC (“Lendly”) is in receipt of the customer’s Better Business Bureau (“BBB”) complaint. We take the complaint filed by the customer seriously.  As an initial matter, Lendly’s records indicate that this matter was previously resolved with the customer prior to receiving the BBB complaint.  Nonetheless, Lendly has investigated the customer’s complaint. 
  
  Capital Community Bank (“CCBank”) is the lender on the customer’s June 2, 2022 loan and Lendly is an authorized servicer for CCBank. 
  
  In the complaint, the customer claims that she paid off her current loan and applied for a new loan with CCBank.  Additionally, the customer claims that her recent loan application was declined and then she requested to cancel her payoff payment. 
  
  Our investigation of the customer’s complaint confirms that she called in on March 28, 2023 and requested a payoff quote for her account.  Our records also indicate that the customer proceeded to pay off her loan in full on the same day and the account was closed with a zero balance.  The customer subsequently applied for a new loan with CCBank but her loan application was declined.  The customer then called in on March 30, 2023 to request to cancel her payoff payment. 
  
  Per the customer’s request, Lendly unapplied the payoff payment from her account and returned the funds to her on April 6, 2023.  We apologize for any miscommunication that might have occurred in relation to the customer’s request to cancel her most recent payment.  
  
  We pride ourselves on customer service, and we are sorry if the customer was in any way dissatisfied with her customer experience using Lendly. Should the customer have any further questions regarding her account, she may reach Lendly at ************.