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:03/17/2025

  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 foolishly took out a loan and had payments taken out weekly to get it paid off faster, was never late or missed any payments and final payments were taken out and loan successfully paid in full. I took screen shots of the payments and the patria website that showed the little congratulatory message stating it was paid in full. Approximately 2.5 weeks later they attempted to take another payment and when I reached out to them via email I sent the photos of the final payments and the page saying it was paid off but never heard back from them and now receiving emails saying the loan is 50 days past due. This is super shady and I get that they are not technically doing anything illegal by offering these high interest loans that pray upon people in need but it really should be. A $1000 loan turns into an almost $5000 loan which is beyond disgusting to do that others. I don’t know how they sleep at night especially taking what was agreed upon and then still trying to take more and avoiding the customer knowing they are being shady and deceitful. I will be seeking legal counsel to handle this matter f it is not resolved before the end if March 2025

  Business Response

  Date: 03/21/2025

  One of your prior payments was returned by your bank resulting in your account being placed back into repayment. We understand the confusion that this has caused and will waive any remaining balance and mark the account as paid in full. Thank you for bringing this matter to our attention so we could address the issue. Thank you, Customer Care Patria Lending

  Customer Answer

  Date: 03/24/2025

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

• Initial Complaint

  Date:02/13/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company LIES! I filled out an application on line and it stated “YOUR APPROVED” so I applied and I get denied. This is a bait and switch and also false advertising to get information

  Business Response

  Date: 02/14/2025

  The Complainant was Declined for Permissible Adverse Action Reasons in accordance with Federal Credit Laws. The required Adverse Action Notification will be sent, and the Complainant is no longer eligible for future lending consideration. Thank you, Customer Care Patria Lending

  Business Response

  Date: 02/28/2025

  We appreciate the Complainant’s perspective. However, we respectfully disagree. The objective of Patria Lending is NOT to purposely obtain Applicant information for any other reason than to make a sound Credit Evaluation and Decision. Patria Lending does not sell any Consumer information. Patria Lending uses information only to evaluate Creditworthiness. The image provided by the Complainant is a Non-personalized Banner Advertisement intended only for Former Customers. The Complainant has never been a Customer. Therefore, we did not and will not extend Credit based on the Complainant’s Credit Profile and Scores. Thank you, Customer Care Patria Lending

  Customer Answer

  Date: 03/03/2025

  
  Complaint: ********
  
  I am rejecting this response because: this company lies. They have YET to prove or provide reasoning of what I was denied AFTER stating I was approved. This company should be SHUT down for unfair predatory lending practices.
  
  Sincerely,
  
  ******** ***********

• Initial Complaint

  Date:11/17/2024

  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 initially took out a short-term loan with Patria Lending in November 2023. I have taken out a total of three loans with this company. I have received a total of $4,600 from this company and have already paid a total of $5,804.18 back. My partner unexpectedly lost his job and I cannot keep affording to pay this ridiculous rate. When I checked my account today, my pay off amount was $1,457.38. On the past two loans that I paid off, I was charged an additional amount after both payoff dates. This is absurd! I have already paid $1,204.18 in interest to this company. There is no way to escape this, which is just what companies like this want. The APR is well above the maximum allowed in the state of ******** and they are not a licensed lender. I have paid off these loans plus interest and I am requesting that my account be considered paid and closed so that I can focus on surviving my partner's unemployment. Please beware of this predatory lender!!!

  Business Response

  Date: 11/21/2024

  Due to the detailed response, please refer to the attached PDF. Thank you!

  Customer Answer

  Date: 12/01/2024

   
  Complaint: ********
  
  I am rejecting this response because: I have already paid more than the total of all three loans combined. I was able to pay the absurd interest for the first two loans and am unable to continue making payments due to my partner's unemployment. As a one-time courtesy, I would like my remaining balance to be waived and the interest I've already paid put towards the third loan as paid off and settled. 
  
  

  Business Response

  Date: 12/13/2024

  Due To The Detailed Response, Please See The *** Attachment. Thank you, ****** *******

• Initial Complaint

  Date:09/21/2024

  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 had $500 show up in my checking account from ********************. I did NOT apply for or sign any kind of loan. I contacted my bank and started looking into Patria Lending. A few days later I realized there where several withdrawals from patria that was clearly a payment, with interest. This is obvious fraud. I have reached out to them to try and resolve this issue, and I'm in the process of working with my bank to resolve this I also went to my local police and filed a fraud report with them as well.

  Business Response

  Date: 09/25/2024

  Due to the detailed response, please refer to the attached PDF document. Thank you, Patria LendingUpon further research, the Patria Lending account in question originated through
  a lead provider, ***************** on June 29, 2024, with the completion of an
  on-line application that was presented to their network of multiple lenders, one of
  which was Patria Lending. Patria Lending accepted, approved, and funded the
  requested loan amount of $500 to the Checking Account provided on the on-line
  application on Thursday, June 29, 2024.
  Once the loan request has been approved, borrowers are asked to sign the Loan
  Agreement that includes the Truth-In-Lending Act (TILA) Disclosure. The (TILA)
  Disclosure is the first page of Patria Lending’s Loan Agreement and outlines the
  required repayment categories that must be presented to a potential borrower
  before a Lender extends credit. The purpose of the TILA is to protect potential
  borrowers so they are not surprised by financial charges, payments, and fees.
  Categories displayed are as follows: Annual Percentage Rate; Finance Charge;
  Amount Financed; Total Of Payments; Number Of Payments; Amount Of Payments;
  When Are Payments Due; and Repayment Fees.

• Initial Complaint

  Date:09/19/2024

  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 signed a document for funding through Patria Lending LLC , yet I can’t reach them, they approved me for a 500.00 loan with me signing the document but I haven’t received funding or have I had any contact with Patria Lending since I did all this. I think it’s a scam and they just took all my information. Banking info etc. Thry also have my debit card number as well as bank account info and SSN. I want to file a fraud complaint.

  Business Response

  Date: 09/20/2024

  Due to the length of the detailed response, please refer to the attached PDF. Thank you, Credit Department, Patria Lending.

• Initial Complaint

  Date:09/06/2024

  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.

  Yesterday I signed up for a loan, the process didn't load all the way through. On one page it supposedly asked a question but there was none visible and I couldn't select an answer. It would allow me to save for later so I did and I was redirected to the loan status screen saying how much I borrowed and my payment schedule. I have not received any confirmation email with my loan details and I cannot speak to anyone because all the numbers are false. It wont let me disconnect my bank without speaking to someone which as I mentioned is impossible. I don't want to get scammed out of my money, but I do not know what to do.

  Business Response

  Date: 09/10/2024

  Please accept our response to the issues encountered by the Complainant during the Loan Underwriting Process on Thursday, September 05, 2024. We can certainly understand the Complainants concerns, appreciate having these issues brought to our attention, and allowing us the opportunity to respond. 
  
  As we explained in an email to the Complainant on Monday, September 9, 2024, we apologized for the inability to communicate with our office both verbally and in writing.  Upon further review of the issues experienced with the Patria Lending Account, we identified that because of System Maintenance performed Thursday night, September 05, 2024, Account access and communication has been affected. We are currently addressing these system issues.
  
  Regarding the Patria Loan Status, the Account was approved and funded on Thursday, September 05, 2024 via ACH to the Bank Checking Account provided by the Complainant. Funds should have been received on Friday, September 06, 2024. The Patria Lending Account Loan Agreement, including the Truth-in-Lending Disclosure Notice, with Account Loan Details can be viewed and downloaded by accessing the Client Online Portal, selecting “Servicing Center” from the Menu Panel, and selecting “Documents”.
  
  For questions associated with the Patria Lending Account, Contact Center Advisors are available to offer their assistance during the following hours of operation by calling 800-640-2093: Monday through Friday: 8:00 AM until 11:00 PM Eastern Standard Time (EST); Saturday: 9:00AM until 4:00 PM; and Sunday: Closed.  Additionally, the Credit Department is available Monday through Friday from 9:00 AM until 5:00 PM EST to reply to emails addressed to ******************************.
  
  Going forward, should the Complainant have any questions or concerns, please do not hesitate to contact us accordingly.
  
  Credit Department
  Patria Lending

• Initial Complaint

  Date:08/05/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was looking into getting a loan July 26th , I found a website that said they send funds within a couple hours. I applied for the loan but didn't sign it yet, I called after I got approved and spoke to ****, I asked **** if I would receive the loan on July 26th if I signed it and he said yes I would within two hours . I asked him if he was sure and told him if I couldn't get the loan by the 26th that I wouldn't need it anymore and he said he was sure . So I signed the loan , and two hours later I didn't receive money so I called and they told me to email them which I did multiple times explaining I needed the money on the 26th or that I wanted them to cancel it. They stopped replying then on the 27th of July I decided tried contacting them again about the same situation which they did not help with . Then Monday the 29th they deposited the money into my account but by that point I didn't need the loan anymore I already paid the bills I had to pay but my bank account was negative $1000 so the bank kept the $1000 and now partial lending is trying to charge me weekly payments as of the loan is in affect which the loan was canceled before I received the payment. I will pay them the $1000 they deposited in my account when I can , but I will not pay any interest on any loan because I told them multiple times to cancel the loan and they lied to get me to sign the loan . Isn't it illegal for them to lie to me to get me to sign the loan? If **** didnt tell me I would receive the loan on the 26th then I wouldn't have signed it . Also all of our calls are on a recorded line so they cannot lie and say I never told them that. Also you would hear **** telling me on a recorded line that I would receive my money in two hours.

  Business Response

  Date: 10/03/2024

  Please accept this email as a follow-up to the Complaint ID ******** regarding Patria Lending Borrower, Mr. ****** *****. 

  
  

  This Complaint correspondence was initially sent to us dated Monday, August 05, 2024, as well as the follow-up correspondence dated Saturday, August 10, 2024. For some reason, both letters were sent by regular mail to our Payment Lockbox at *********** Box 668 in ************ ********* which is managed by a third-party service provider. The final letter dated Tuesday, August 20, 2024, informing us that the Complaint has been closed without our response, was also addressed to the *********** Box. Oddly, as of this writing, this letter has yet to be received. 

  
  

  Previously, any correspondence received from the Better Business Bureau has been sent to *************************************************************.  The letters dated August 5th and 10th were received on Wednesday, September 25, 2024. 

  
  

  Additionally, as referenced in the August 20th letter located in the BBB Portal (Please see PDF attachment - Closed Without Owner Response), and outlined in the last paragraph, having the opportunity to respond to Customer Correspondence is very important to us. 

  
  

  Therefore, Ms. ********* if you would please allow us to offer our side of the Complaint issue, we would be most appreciative. If so, our response can be found in the attached PDF (Business Owner Response Complaint ID *********.

  
  

  Ms. ********* we look forward to receiving your reply.

  
  

  Respectfully yours,

  
  

  **** ***
  Customer Care
  Patria Lending LLC
  **********************************************************************************************************************************************************************************************************************************
  ******************************

• Initial Complaint

  Date:07/26/2024

  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 had $900 show up in my checking account from ********************. I did NOT apply for or sign any kind of loan. I contacted my bank and started looking into Patria Lending. A few days later I had a withdrawal from patria that was clearly a payment, with interest. This is obvious fraud. I have reached out to them to try and resolve this issue, and am now in the process of working with my bank to resolve this as well.

  Business Response

  Date: 07/30/2024

  Prior to receiving the Complaint notification from the Better Business Bureau
  on Friday, July 26, 2024 at 1:39 PM, the Complainant had already sent an
  email to Patria Lending on Friday morning, July 26, 2024 at 6:25 AM. The
  Complainant explained that he had received a $900 deposit in his Checking
  Account as well as payment withdrawals, and since he did not apply for the
  loan, he was reporting this to Patria Lending as fraud.
  Upon further investigation, we provided the Complainant with an email
  summary of our findings. The Patria Lending account in question originated
  through a lead provider, onlineloannetwork.com on 7/18/2024, with the
  completion of an on-line application that was presented to their network of
  multiple lenders, submitted to Patria Lending, accepted, approved, and
  funded to the Checking Account provided on Thursday, July 18, 2024. The first
  payment was subsequently due on Friday, July 26, 2024, which is the reason
  for the automatic payment withdrawal.
  Based on the Complainant’s fraud claim, and included in the investigation
  process, we require the completion of a Local Police Report, as well as
  Federal Trade Commission Identity Theft Report, both of which were
  requested by the Complainant, and required to close the account and change
  the status to Fraud. As of Tuesday, July 30, 2024, we have received the Identity
  Theft Report and are awaiting the return of the Police Report.
  As a result of the Complainant instructing his financial institution to reject
  transactions from Patria Lending due to suspected fraud, the $900 deposited
  loan funds have been returned, and the automatic payment on Friday, July 26,
  2024 was also rejected.
  Additionally, as a preventative measure, we highly recommend that the
  Complainant notify the Credit Bureaus of the fraudulent activity, identify, and
  remove incorrect information, as well as add a Fraud Victim Statement on their
  Credit Report alerting Creditors that “Fraudulent Applications May Be Submitted
  In My Name Or My Identity May Have Been Used Without My Consent To
  Fraudulently Obtain Goods Or Services. Do Not Extend Credit Without First
  Contacting Me Personally And Verifying All Application Information By Contacting
  Me Day Or Evening At Specified Phone Number”.
  Going forward, should the Complainant have additional questions or concerns, we
  are available by contacting [email protected].
  Thank you,
  Customer Care
  Patria Lending
  Submitted: 07/30/2024

  
  

  Customer Answer

  Date: 07/31/2024

   
  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 will also make note here that Patria Lending has been very helpful and forthright in helping get this resolved.

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

• Initial Complaint

  Date:07/03/2024

  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 did not take out a loan with this lender. I took out a different loan with another lender under the Finwise umbrella. I did not apply with patria nor sign any documents. Suddenly when the the loan I applied for deposited at loan from Patria was also deposited. I cannot access login for Patria, reset a password or access a loan in any way. When I email customer service all they reply is the email I have is not valid. I used mine and my wifes which are the only emails that we have. I believe they had access to the loan I did take out from Finwise and signed my name to documents from them. Warning to all Avoid Patria and any loans through Finwise!!!!

  Business Response

  Date: 07/05/2024

  Complaint ID: ********
  
  1. There is no Patria Loan in the name of the Complainant.
  2. We cannot discuss in anyway the loan details of a Consumer with another party.
  3. Patria Lending has no relationship of any kind with Finwise.
  
  Thank you,
  
  Customer Care
  ********************

• Initial Complaint

  Date:05/13/2024

  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 filled out an application on 5/7. I was approved and keep getting emails to sign documents but none of the document links are working, I called customer care many times and they cant assist. The last rep I spoke with today said to email or try on a desktop I did both again, still dont work on a desktop . I also emailed them no response and it says my link will expire soon. I need a new link please, this is needed for an emergency.

  Business Response

  Date: 05/17/2024

  Customer Complaint ID: ********
  

  Business Owner Response:
  

  Received a completed loan application from the Applicant on May 07, 2024.  
  

  Subsequently,the application was processed through the automated credit evaluation system and risk-based assessment filters.
  

  However,during the automated credit evaluation process, we identified an Identify Theft Prevention statement that appeared on the ************************ Report. This statement is as follows
  
  ID SECURITY ALERT:FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXX-XXX-XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 08-09-23
  
  As a result of this ************* Statement, the loan application was electronically routed to a Manual Review Queue. Upon further evaluation, the loan application was Denied.
  

  Thank you,
  

  Customer Care
  ********************

  Customer Answer

  Date: 05/22/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  I have several emails saying Im approved and I need to sign. The customer care email is the worse, you take over a week To respond. No one reached out to the number listed to verify anything. Why would you send me multiple emails to sign loan documents if you rejected me. You dont do business this way. It took me to file a complaint about service to find this out after getting several approval emails.

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