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Business Profile

Loans

WithU Loans

This business is NOT BBB Accredited.

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This business has 1 alert

Complaints

Customer Complaints Summary

  • 358 total complaints in the last 3 years.
  • 134 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:09/16/2024

    Type:Billing Issues
    Status:
    Resolved
    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 express my deep dissatisfaction with the handling of my loan account and to request immediate relief. I am disheartened by what I perceive to be predatory lending practices and am seeking a resolution to my current situation. On June 21, 2024, I made my first payment for a loan of $800 from WithU loans in a desperate situation. Since then, I have made biweekly payments of $154, amounting to a total of $924 in payments to date. Given this substantial repayment, I have fully repaid the principal amount plus the interest accrued. However, despite my significant payments, I was shocked to learn that I still owe the full $800 principal balance. This outcome feels incredibly unfair and exploitative, particularly given my current financial hardship. On September 3, 2024, I contacted their customer service to request that they waive my remaining balance due to the financial strain this loan has caused me with having a small child at home. Instead of receiving assistance, I was offered a deferral of my next payment, and to pay $55 every two weeks 9 times. That means I would pay over $1,700 on a $800 loan. Given the circumstances, I respectfully request that you waive the remaining balance: Considering that I have paid more than the original loan amount, I believe it is reasonable for the WithU to waive the $800 balance and close my account and I agree to never initiate a loan with this company again. I feel that I have been taken advantage of during a desperate time and am hopeful that WithU loans will reconsider its position and offer a fair resolution.

    Business Response

    Date: 09/20/2024

    W6LS, Inc. dba WithU Loans (“WithU Loans”) is in receipt of complaint ID ******** filed by ***** ******* regarding the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (“TILA”). We have reached out to *** ******* and are working with her directly to resolve her concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If *** ******* has any additional questions or concerns, she is invited to contact WithU Loans directly at ************.

    Customer Answer

    Date: 09/23/2024


    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. I made my final payment of $30.15 today,  9/23 to settle my account. I appreciate the company working with me.  

    Sincerely,

    ***** *******

  • Initial Complaint

    Date:09/06/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    On 04-29-24 I was in an emergency situation and requested $600, which was a serious mistake. This company is not serious at all. At no time do they show you the interest rate, nor how many installments you will have to pay off the loan, which to date they have debited me approximately $1060 at almost an interest rate of over 200%. Every week they take $66.20 from me and I am supposed to end up paying $1,720.56, which seems totally crazy to me and of course a scam without any notice. I no longer want to continue paying this, because I feel that these people are not going to stop taking money from my account. I would like help to close the account and settle the debt with what I have already paid them.

    Business Response

    Date: 09/11/2024

    W6LS, Inc. dba WithU Loans (“WithU Loans”) is in receipt of complaint ID ******** filed by ***** ****** regarding the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (“TILA”). We have reached out to *** ****** and are working with him directly to resolve his concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If *** ****** has any additional questions or concerns, he is invited to contact WithU Loans directly at ************.

  • Initial Complaint

    Date:09/05/2024

    Type:Customer Service Issues
    Status:
    Answered
    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 emailed this company on August 31, 2024 through their customer service email stating that I wished to withdraw my ACH consent. I have included this email as an attachment. I never heard back from them and the money was still withdrawn from my bank account which I know is illegal after I've already stated that I wanted to withdraw my consent. Today, September 5, 2024, I received an email from the customer service department stating that the money was still withdrawn because I did not contact them 2 business days prior to September 5, 2024 (the day the money would be withdrawn), however, as the email clearly shows, I made the request several days before the two day deadline. At this point, I feel like this company is breaking the law just to get money. They waited to the second the money was withdrawn from my account before the replied to the email which is really shady.

    Business Response

    Date: 09/09/2024

    W6LS, Inc. dba WithU Loans (“WithU Loans”) is in receipt of complaint ID ******** filed by ****** **** regarding account servicing.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (“TILA”). We will be reaching out to *** **** and will work with her directly to resolve her concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If *** **** has any additional questions or concerns, she is invited to contact WithU Loans directly at ************.

    Business Response

    Date: 09/20/2024

    W6LS, Inc. dba WithU Loans (“WithU Loans”) is in receipt of *** ****** rebuttal to complaint ID ******** regarding account servicing.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (“TILA”). We will be reaching out to *** **** and will work with her directly to resolve her concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If *** **** has any additional questions or concerns, she is invited to contact WithU Loans directly at ************.

    Customer Answer

    Date: 09/25/2024


    Complaint: ********

    I am rejecting this response because: the business reached out to me and told me that the money they took from account was deposited back into it. This is not true. There has been no money added back into my account. Additionally, they offered me terms I rejected due to all of this. I have not heard back from them since I rejected their offer. 

    Sincerely,

    ****** ****

  • Initial Complaint

    Date:09/03/2024

    Type:Billing Issues
    Status:
    Resolved
    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.
    In April 2024 I got a loan for $1,400. I recently lost my job and when I started looking into my loan, I noticed that even though I've made 9 payments on time, equalling $1,800. I owed over $1,200 still!!! I thought I was done with it this month, not that the loan is til the end of year and I'd end up paying them close to $5,000! My interest rate is almost 400%!!! So in the 5 months I've been paying, only $200 was subtracted from my initial amount owed. They said if I can't make the payment then they add on to my interest :(

    Business Response

    Date: 09/06/2024

    W6LS, Inc. dba WithU Loans (“WithU Loans”) is in receipt of complaint ID ******** filed by ******** ****** regarding the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (“TILA”). We have reached out to *** ****** and are working with her directly to resolve her concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If *** ****** has any additional questions or concerns, she is invited to contact WithU Loans directly at ************.

    Customer Answer

    Date: 09/12/2024


    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.

    Sincerely,

    ******** ******

  • Initial Complaint

    Date:09/01/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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 borrowed $800 from WithU loans on February 29th, 2024. The interest rate was over the legal Oregon state APR of 36% which is predatory. Since then I have paid $531.30. I still owe almost exactly what I borrowed which is not fair or reasonable. I would like to find a reasonable solution to this issue.

    Business Response

    Date: 09/06/2024

    W6LS, Inc. dba WithU Loans (“WithU Loans”) is in receipt of complaint ID ******** filed by ********* *********** regarding the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (“TILA”). We have reached out to *** *********** and are working with her directly to resolve her concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If *** *********** has any additional questions or concerns, she is invited to contact WithU Loans directly at *************

  • Initial Complaint

    Date:08/31/2024

    Type:Billing Issues
    Status:
    Answered
    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 unaware of the extremely high interest rate of 500% and did not understand the implications at the time. I have made three payments of $223.66 on a $995 loan, and now the payoff is $1031. I was told that the loan is outside the jurisdiction of the USA and is being conducted under native American government business when I called on 8/30/24.

    Business Response

    Date: 09/05/2024

    W6LS, Inc. dba WithU Loans (“WithU Loans”) is in receipt of complaint ID ******** filed by **** ******* regarding the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (“TILA”). We have reached out to *** ******* and are working with him directly to resolve his concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If *** ******* has any additional questions or concerns, he is invited to contact WithU Loans directly at *************

  • Initial Complaint

    Date:08/30/2024

    Type:Billing Issues
    Status:
    Answered
    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 defaulted on this loan due to being in the process of filing bankruptcy. It has not been filed yet but it is in the process. My bankruptcy lawyer is working on it and told me not to make any more payments. Company still attempts to harass me with phone calls and voice mails. I have sent 3 emails to the company informing them to cease and desist they still continue to call and harass. I want them to stop all communications with me. debt will be discharged in bankruptcy. They are in FCRA violation

    Business Response

    Date: 09/04/2024

    W6LS, Inc. dba WithU Loans (“WithU Loans”) is in receipt of complaint ID ******** filed by ***** ***** regarding collection communications.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (“TILA”). We have reached out to ***** ***** and are working with them directly to resolve their concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If ***** ***** has any additional questions or concerns, they are invited to contact WithU Loans directly at ************.

  • Initial Complaint

    Date:08/30/2024

    Type:Billing Issues
    Status:
    Answered
    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 took out a $1300 loan, and after realizing I had already paid it off- after talking with multiple representatives, they have a 500% interest rate, and it doesn’t state it anywhere in the contract they sent over to me initially. I went from paying 1300 to now owing 6,000 due to me changing from biweekly to monthly. I went from paying $269 biweekly to $577 monthly.

    Business Response

    Date: 09/04/2024

    W6LS, Inc. dba WithU Loans (“WithU Loans”) is in receipt of complaint ID ******** filed by ****** ******** regarding the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (“TILA”). We have reached out to *** ******** and are working with her directly to resolve her concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If *** ******** has any additional questions or concerns, she is invited to contact WithU Loans directly at ************.

    Business Response

    Date: 09/17/2024

    W6LS, Inc. dba WithU Loans (“WithU Loans”) is in receipt of Ms. Cleghorn’s rebuttal to complaint ID ******** regarding the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth In Lending Act (“TILA”). We have again reached out to *** ******** and are working with her directly to resolve her concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If *** ******** has any additional questions or concerns, she is invited to contact WithU Loans directly at ************.

    Customer Answer

    Date: 09/25/2024


    Complaint: ********

    I am rejecting this response because: since making my second complaint, Withu loans has not contacted me whatsoever in regards to refunding me the payments that were taken out after my loan had been paid off. Like I said prior, I’m wanting the money back from April until May.

    Sincerely,

    ****** ********

  • Initial Complaint

    Date:08/29/2024

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    On August 29th, I received a $2,000 deposit into my 1st United Credit Union Checking Account under the label "DEPOSIT ACH WITHU ********** TYPE: CREDIT CO: WITHU **********". I did not authorize this deposit into my account nor have I heard of this company before. It seems that this company, WithU, has many complaints from your organization, including unauthorized loans and non-acquired loans being deposited into people's accounts.

    Business Response

    Date: 09/03/2024

    W6LS, Inc. dba WithU Loans (“WithU Loans”) is in receipt of complaint ID ******** filed by ***** **** regarding a loan she states she did not request.
    Please be advised, WithU Loans takes allegations of identity theft seriously and in order to prevent fraud, the applications require personal identifying information that should only be known by the applicant. All claims of fraud are thoroughly investigated, and individuals are asked to provide evidence to support their claims.
    If there is any additional information *** **** can provide to help us resolve the issue, she is invited to contact WithU Loans directly at ************ or via email at *************************.  
    WithU Loans trusts the information provided is sufficient to close the complaint.

    Customer Answer

    Date: 09/04/2024


    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. My bank reversed the charge after swift action by me. I do not wish to speak to this company further because I don't wish to provide them with more information they could use against me to create an account or etc. 

    Sincerely,

    ***** ****

  • Initial Complaint

    Date:08/29/2024

    Type:Billing Issues
    Status:
    Answered
    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 pay $111 biweekly for loan since I believe December 2023 for $600loan

    Business Response

    Date: 09/03/2024

    W6LS, Inc. dba WithU Loans (“WithU Loans”) is in receipt of complaint ID ******** filed by ***** ***** regarding the terms of the Loan Agreement.

    Please be advised, WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (“TILA”). We have reached out to *** ***** and are working with her directly to resolve her concerns.

    WithU Loans trusts that the information provided is sufficient to close the complaint. If *** ***** has any additional questions or concerns, she is invited to contact WithU Loans directly at ************.

WithU Loans is NOT a BBB Accredited Business.

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