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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
07/06/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
"I have not supplied proof under the doctrine of estoppel by silence, ********** ****************** (Mo) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists."Business response
07/12/2024
Dear ******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state your account is in litigation and would like a correction to your credit report. You also demand this account be removed from your credit report.
We appreciate the opportunity to address your concerns.
We have included more information below regarding your account:
Our records reflect that you applied for the Mission Lane **** Credit Card on 12/19/2020.
As of 07/09/2024 the total balance on your Account is $280.30.
You can view your Account information, including all statements by logging in to your Account at ***************************************************.
For your convenience, we have attached a copy of your current Credit Card Agreement (Agreement), which validates your debt and identifies the creditor.
Per your Cardholder Agreement, You promise to pay us for all amounts charged to the Account, including all transactions, interest, fees and charges charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them.
Mission Lane is required to report your account accurately and we have done so for this account. Therefore, we respectfully decline your request to modify your credit report.
If you have further questions, please call ************ Monday - Friday, 9 a.m. - 5 p.m. ET. Otherwise, you may send an email to *****************************.
Sincerely,
Mission Lane LLCInitial Complaint
07/05/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with mission lane LLC.I do not have a contract with mission lane LLC. They did not provide me with the contract as I requested,Business response
07/12/2024
Dear *******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically you state that you are not liable for this debt. You request the account to be removed from your credit report.
We appreciate the opportunity to address your concerns.
We have included more information below regarding your account:
Our records reflect that you applied for the Mission Lane **** Credit Card on 05/29/2021.
As of 07/09/2024 the total balance on your Account is $0.00.
You can view your Account information, including all statements by logging in to your Account at ***************************************************.
For your convenience, we have attached a copy of your current Credit Card Agreement (Agreement), which validates your debt and identifies the creditor.
Per your Cardholder Agreement, You promise to pay us for all amounts charged to the Account, including all transactions, interest, fees and charges charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them.
Mission Lane is required to report your account accurately and we have done so for this account. Therefore, we respectfully decline your request to modify your credit report.
In addition, on 10/06/2024, you agreed to a settlement payment of $126.36 to satisfy the amount on your account. We have confirmed that Equifax, Experian, and TransUnion have reflected the settlement and $0 balance on this account.
Weve reviewed the account and have not found any evidence to support your application fraud claim. If you were not the one who completed the application and wish to continue with your claim, please send the documentation we require on 07/09/2024 through a secure message.
If you have further questions, please call ************ Monday - Friday, 9 a.m. - 5 p.m. ET. Otherwise, you may send an email to *****************************.
Sincerely,
Mission Lane LLCInitial Complaint
07/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with MISSION LANE ************************************************************************************************************ I do not have a contract with the collection agency trying to collect , and report to my credit report They did not provide me with the original contract as requested.Business response
07/09/2024
Dear *******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** credit card, issued by ***************************** **** Specifically you state you do not owe the debt associated with the account. You request the account to be removed from your credit report.
We appreciate the opportunity to address your concerns.
You have a Mission Lane **** credit card account (the Account) under your name, ending in 1944 (the Account). Here is some additional information about your Mission Lane account.
1. Our records reflect that you applied for the Mission Lane **** credit card on 10/10/2020.
As of the last statement dated 06/04/2024, the total balance on your Account was $609.16.
You can view your Account information, including all statements by logging in to your Mission Lane account at ***************************************************.
For your convenience, we have attached a copy of your current Cardholder Agreement.
Per your Cardholder Agreement, You promise to pay us for all amounts charged to the Account, including all transactions, interest, fees and charges charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them.
Mission Lane is required to report your account accurately and we have done so for this account. Therefore, we respectfully decline your request to modify your credit report.
If you have further questions, please call ************ during our standard servicing hours (Monday - Friday, 9:00 a.m. - 5:00 p.m. ET). Otherwise, you may send an email to *****************************.
Sincerely,
Mission Lane LLCInitial Complaint
06/28/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
Im filing this complaint against mission lane for restricing my account i have been with mission lane for months now and had a bad experience with its fraud team member who put the restriction on my account i was asked for my identification which i have been trying to email to verify for the last past 3 weeks but the system is not allowing me to submit it and i have no access to my account and have been trying to reach out to customer service but every time i call im being put on hold and hung up on im trying to regain access to my accountBusiness response
07/05/2024
Dear *******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** credit card, issued by ***************************** **** Specifically, you state the account has been restricted and Mission Lane requested verification documentation from you, but you have been unable to submit the requested documentation due to system errors. You also state youve attempted to speak with us regarding the restriction, but your calls have been disconnected.
We appreciate the opportunity to address your concerns.
On 06/18/2024, Mission Lane restricted the account in an effort to protect your account from potential fraud.
We sent you a message informing you of the restriction, and we asked you to provide a photo of your government-issued ID, as well as a selfie which you could submit using the secure link provided or through our secure message center.
We found you only attempted to contact Mission Lane once since the account was restricted, and you contacted us outside of our normal business hours.
To speak with a representative regarding the restriction and to receive assistance submitting your documentation, you may call ************, Monday - Friday, 9 a.m. - 8 p.m. ET.
If you have further questions, please call ************ Monday - Friday, 9 a.m. - 5 p.m. ET. Otherwise, you may send an email to *****************************.
Sincerely,
***************************** **** and Mission Lane LLCInitial Complaint
06/24/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
There is wrong information on my credit report and the state that The Fair Credit Reporting Act (FCRA) , 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by ************************* (CRAs). And my credit report is not accurate.Business response
07/02/2024
Dear ******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** credit card, issued by ***************************** **** Specifically, you state that you do not have a contract with Mission Lane and were not provided one as requested. You state that you do not owe the debt. You request that the account be removed from your credit report.
We appreciate the opportunity to address your concerns.
You have a Mission Lane **** credit card account (the Account) under your name, ending in 9051 (the Account). Here is some additional information about your Mission Lane account.
Our records reflect that you applied for the Mission Lane **** credit card on 09/20/2021.
As of the last statement dated 06/26/2024, the total balance on your Account was $790.60. On 06/27/2022 the account was closed and charged off.
You can view your Account information, including all statements by logging in to your Mission Lane account at ***************************************************.
For your convenience, we have attached a copy of your current Cardholder Agreement.
Per your Cardholder Agreement, You promise to pay us for all amounts charged to the Account, including all transactions, interest, fees and charges charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them.
Mission Lane is required to report your account accurately and we have done so for this account. Therefore, we respectfully decline your request to modify your credit report.
If you have further questions, please call ************ during our standard servicing hours (Monday - Friday, 9:00 a.m. - 5:00 p.m. ET). Otherwise, you may send an email to *****************************.
Sincerely,
***************************** Inc and Mission Lane LLCInitial Complaint
06/24/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Concerning Request #******* 14 days ago, I was informed my account was restricted because my identity could not be verified. I uploaded numerous documents proving my identity but that wasnt good enough! *********** has NEVER asked for my Photo ID not even once. My 14+ documents including proof of address, selfies, utilities, bills should be sufficient!! This is horrible!!! I have a **** card I cannot even use because of this restriction!! Im a good customer and would be for **********************! I have EXCEPTIONAL PERFECT Payment history on my credit accounts! Never been late once! I saw very negative complaints against Mission lane and decided to make my own complaint! I am requesting my restriction be lifted immediately please! Im requesting the restriction be lifted from my **** ending in 0796 immediatelyBusiness response
07/02/2024
Dear *******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** credit card, issued by *********************************** but are unable to use the account. You state that Mission Lane requested that you provide a selfie along with the front and back of your driver's license and have not received a response. You request access to your account to make purchases.
We appreciate the opportunity to address your concerns. Our records show that on 6/10/2024, we sent an email which notified you that your account was restricted because of potential identity concerns and we required documentation from you in order to unrestrict your account. On 6/10/2024, you responded to our request for additional information and provided photos of the front, back, and inside of your passport as well as a selfie and screenshots of your utility bills.
After a review of the documents received we found that the passport submitted was expired and did not meet the criteria required to unrestrict the account. We still require the following information so we may un-restrict your account:
Front and back of a valid government-issued ID, or U.S. passport
A selfie photo holding the ID
********************** takes security and privacy very seriously and a second review of every account is completed after an application is processed. During your application review, we noticed some inconsistencies in information that had been provided and thus we requested additional information to verify your identity for your security.
If you have additional questions, you may contact our customer service department at ************ during our standard servicing hours (Monday - Friday, 9 a.m. - 8 p.m. ET). Otherwise, you may send an email to **********************************.
Sincerely,
Mission Lane LLCCustomer response
07/02/2024
Better Business Bureau:
I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
I am extremely disappointed since I have been waiting for some time now and THIS is the resolution??? You have offered me absolutely nothing but the same demand. Some other credit card companies do NOT demand a photo ID. More than a few times you have asked me to provide this, I complain and you still dont even offer a compromise??? This absolutely does not meet my needs as a potential customer!! You are the first company I ever complained about that offered me no help whatsoever. Even on your own website, it says drivers license/photo ID OR other forms of identification such as bills proof of address.I am holding a card I cant use. Im disgusted right now
Regards,
*************************Initial Complaint
06/23/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I SUBMITTED ALL DOCUMENTATION AND MISSION LANE DOES NOT REMOVE FRAUDULENT ACCOUNT FROM MY CREDIT FILE! I NEED MISSION LANE TO REMOVE AND DELETE FRAUDULENT ACCOUNT #********************!ASAP. I NEVER APPLIED TO THIS COMPANY FOR CREDIT!Business response
06/28/2024
Dear *****,
We are writing in response to your recent BBB complaint regarding a Mission Lane **** credit card issued in your name. Specifically, you state that you are a victim of identity theft and did not authorize an account to be opened in your name. You request the account to be removed from your credit report.
We appreciate the opportunity to address your concerns.
Thank you for speaking with us on 6/28/2024 and providing more details about your claim. We were able to locate one account mentioned in your complaint listed in your name with us. After thorough review of the documents you have provided, in addition to the interview questions you answered, we have taken actions to close this account. You are no longer responsible for payment on this account.
Theres nothing else you need to do on your end.
Weve contacted the relevant credit bureaus to request that they remove this account from your credit report. If you havent already, we recommend contacting the three major consumer reporting agencies listed here to inform them of the identity theft.
Equifax
Consumer Fraud Division
Phone: ************
Fax: ************
P.O. Box 740256
***************** Experian
National Consumer Assistance
Phone: ************
P.O. Box 9554
*************** TransUnion
Fraud Victim Assistance
Phone: ************
Fax: ************
P.O. Box 2000
*******, ** 19016-2000
You may also want to:
Report your identity theft concerns to the Federal Trade Commission
Obtain a free annual copy of your credit report
If you have further questions, please call ************ during our standard servicing hours (Monday - Friday, 9:00 a.m. - 7:00 p.m. ET). Otherwise, you may send an email to *****************************.
Sincerely,
Mission Lane LLCInitial Complaint
06/22/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am not liable for this debt with MISSION LANE TAB BANK , I do not have a contract with with them, they did not provide me with the original contract as i requested.Business response
06/28/2024
Dear ******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** credit card, issued by ***************************** **** Specifically, you state that you do not have a contract with Mission Lane and were not provided one as requested. You state that you do not owe the debt. You request that the account be removed from your credit report.
We appreciate the opportunity to address your concerns.
You have a Mission Lane **** credit card account (the Account) under your name, ending in 9051 (the Account). Here is some additional information about your Mission Lane account.
Our records reflect that you applied for the Mission Lane **** credit card on 09/20/2021.
As of the last statement dated 06/26/2024, the total balance on your Account was $790.60. On 06/27/2022 the account was closed and charged off.
You can view your Account information, including all statements by logging in to your Mission Lane account at ***************************************************.
For your convenience, we have attached a copy of your current Cardholder Agreement.
Per your Cardholder Agreement, You promise to pay us for all amounts charged to the Account, including all transactions, interest, fees and charges charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them.
Mission Lane is required to report your account accurately and we have done so for this account. Therefore, we respectfully decline your request to modify your credit report.
If you have further questions, please call ************ during our standard servicing hours (Monday - Friday, 9:00 a.m. - 5:00 p.m. ET). Otherwise, you may send an email to *****************************.
Sincerely,
***************************** Inc and Mission Lane LLCInitial Complaint
06/20/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with Mission lane tab bank, I do not have a contracts with Mission Lane tab bank,they did not provide me with the original contract as I requested.Business response
06/27/2024
Dear *****,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** credit card.. Specifically, you state you are not not liable for this debt, Mission Lane did not provide you with the original contract as requested. You request the account to be removed from your credit report.
We appreciate the opportunity to address your concerns.
You have a Mission Lane **** credit card account (the Account) under your name, ending in 0675 (the Account). Here is some additional information about your Mission Lane account.
Our records reflect that you applied for the Mission Lane **** credit card on 10/22/2020.
As of the last statement dated 06/18/2024, the total balance on your Account was $664.17. On 06/21/2021 the account was closed and charged off.
You can view your Account information, including all statements by logging in to your Mission Lane account at ***************************************************.
For your convenience, we have attached a copy of your current Cardholder Agreement.
Prior to submitting your application for the card, you were provided a copy of the Agreement. Both your Agreement and Account statement contains terms governing your use of the card including but not limited to important information about making payments. Please refer to the Payments section of your Agreement and the Other Account and Payment Information section on your statement. As a reminder, you must pay at least the minimum payment by the payment due date and cut-off time shown on your statement, and your payment must be made in proper form.
The Promise to Pay section of your Cardholder Agreement states You promise to pay us for all amounts charged to the Account, including all transactions, interest, fees and charges charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them.
Mission Lane is required to report your account accurately and we have done so for this account. Therefore, we respectfully decline your request to modify your credit report.
If you have further questions, please call ************ during our standard servicing hours (Monday - Friday, 9:00 a.m. - 5:00 p.m. ET). Otherwise, you may send an email to *****************************.
Sincerely,
Mission Lane LLCCustomer response
06/27/2024
Better Business Bureau:
I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I am not responsible for this account and it is also not accurate in all 3 bureaus it show I have a balance of 0 on one and a balance on the other two. As you can see on the report it says charged off then it says I missed a payment this was not me I need this removed from my account .
Regards,
*****************************Initial Complaint
06/19/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this **** with charter communications, I do not have contract with MISSIONLNTAB, they did not provide me with the original contract as i requested.Business response
06/26/2024
Dear ********,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state you are not not liable for this debt, Mission Lane did not provide you with the original contract as requested. You request this account be removed from your credit report.
We appreciate the opportunity to address your concerns.
We have included more information below regarding your account:
Our records reflect that you applied for the Mission Lane **** Credit Card on 04/11/2022.
As of 06/24/2024 the total balance on your Account is $0.00.
You can view your Account information, including all statements by logging in to your Account at ***************************************************.
For your convenience, we have attached a copy of your current Credit Card Agreement (Agreement), which validates your debt and identifies the creditor.
Prior to submitting your application for the card, you were provided a copy of the Agreement. Both your Agreement and Account statement contains terms governing your use of the card including but not limited to important information about making payments. Please refer to the Payments section of your Agreement and the Other Account and Payment Information section on your statement. As a reminder, you must pay at least the minimum payment by the payment due date and cut-off time shown on your statement, and your payment must be made in proper form.
The Promise to Pay section of your Cardholder Agreement states You promise to pay us for all amounts charged to the Account, including all transactions, interest, fees and charges charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them.
In addition, on 03/28/2024, you agreed to a settlement payment of $252.67 to satisfy the amount on your account. We have confirmed that Equifax and Experian have reflected the settlement and $0 balance on this account. We have issued an update to TransUnion to reflect a $0 balance as well. Please allow up to 30 days for this to reflect on your credit report.
When we report accounts to the bureaus we must do so accurately. Because we have reported your account accurately, we respectfully decline your request to delete your account from your credit report.
Weve reviewed the account and have not found any evidence to support your application fraud claim. If you were not the one who completed the application and wish to continue with your claim please send documentation we require. We have also provided the list below as a courtesy.
To assist us with this investigation, please reply to this secure message and attach:
A color photo of the front and back of an identification document issued by a domestic governmental entity, such as your drivers license or photo identification card
A completed copy of the affidavit attached to this message
Any other supporting documentation
If you have further questions, please call ************ Monday - Friday, 9 a.m. - 5 p.m. ET. Otherwise, you may send an email to *****************************.
Sincerely,
Mission Lane LLC
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Customer Complaints Summary
394 total complaints in the last 3 years.
161 complaints closed in the last 12 months.