Business Profile

Financial Services

Mission Lane, LLC

Headquarters

Complaints

This profile includes complaints for Mission Lane, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

478 total complaints in the last 3 years.
237 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.

Initial Complaint
Date:02/15/2024
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 am deeply troubled and upset that MISSIONLNTAB has not yet responded to my request. I sent a letter asking for proof of contract, as I require these accounts to be deleted from my credit report as they are in violation of my rights.
Business Response
Date: 02/23/2024
Dear ******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state you had sent a letter asking for proof of contact and request we delete your account from the credit report due to violating your rights.

We appreciate the opportunity to address your concerns.
We have included more information below regarding your account:
1. Our records reflect that you applied with ********************* via LendUp on 5/16/2016. In June 2019, the account and all future servicing was transferred from LendUp to Mission Lane.
2. As of 02/22/2024 the total balance on your Account is $0.00.
3. 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.
We have not received any letters directly from you within the last year. We did receive your credit bureau dispute dated 11/25/2023 that requested we delete the account from your credit report. The credit bureau dispute included an attachment to a complaint sent to the ************************************* In response, we conducted an application fraud claim and sent a letter on 12/14/2023 requesting additional information if you would like to proceed. We also attempted to contact you by phone on 12/27/2023. After thoroughly investigating the account, we didnt find any indication of application fraud, and a letter was sent to you on 01/03/2024 to let you know weve closed the case. If you have additional information to support your fraud claim, you can email us to submit a new claim at **********************************.

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
Initial Complaint
Date:02/14/2024
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 am a victim of identity theft. I've noticed unauthorized transactions and suspicious activities linked to my identity. I've filed a police report, but I need assistance in resolving this issue. I hope to recover my financial losses, clear my name, and request your help in removing this inquiry from my credit report. Please help me in this matter.----------------------------------------------------------TransUnion------------------------------------------MISSION LANE_ Date of inquiry:08/31/2023_
Business Response
Date: 02/21/2024
Dear ****,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state you are a victim of identity theft and request we remove the hard inquiry associated with Mission Lane from your credit report.
We appreciate the opportunity to address your concerns.
On 02/19/2024, we completed our review of the account for application fraud and determined that the account was fraudulently opened in your name.
Weve contacted the relevant credit bureaus to request that they remove this inquiry from your credit report. Please allow the credit reporting agencies ***** days to make the necessary changes to 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

As an added resource, we wanted to share with you the federal government's website for assistance for victims of identity theft at www.IdentityTheft.gov. The website offers easy-to-follow checklists and sample letters to help you through the recovery process.

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 LLC
Initial Complaint
Date:02/12/2024
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 put in a dispute on my Mission Lane credit card for an unauthorized charge several weeks ago. Since putting in the dispute, I have not received any updates from Mission Lane on the current status or process going forward. I need to ensure this claim is promptly investigated and closed in my favor as I am not liable for this unexpected charge.
Business Response
Date: 02/20/2024
Dear ******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that Mission Lane has yet to provide a follow up to the dispute claim you opened with us.
We appreciate the opportunity to address your concerns.

On 1/22/2024 we opened claim C-****** on your behalf and issued provisional credits to the account. These credits will remain on the account for the duration of the claim and will only be removed if the claim is not found in your favor.

Please keep in mind it may take up to 90 days for dispute claims to be resolved. We will notify you as soon as we have any more information regarding your claim.
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
Initial Complaint
Date:02/12/2024
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.
My complaint is about charges that occurred on 12/23/23 for $803.00. An additional cash advance fees of $24.09 was added.On 1/09/24, an additional interest charge of $17.46 that is occurring from the $800.On 02/09/24, Another interest charge cash advance of $24.15. Mission Lane is telling me that I owe $821.81. My account was fraudulent charge on many different placements around town. When I called several times to Mission they stated, were looking into the charges. I called on 02/12/24, My case number is *************. According to their files, my account is closed. At the time, I had a zero balance and I owed nothing on my credit card. I want Mission to take that unpaid balance and restore back to zero. I will not open any more credit with Mission Lane . Theyre not worth my business anymore.
Business Response
Date: 02/15/2024
Dear *******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that MIssion Lane is charging cash advance interest on fraudulent transactions.
We appreciate the opportunity to address your concerns.

We have reviewed your fraud claims and have found that provisional credits have been applied to the account while our team reviews the case. We can confirm that we are currently reviewing your claim. Please note that investigation of fraud claims can take up to two full billing cycles to complete.
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
Customer Answer
Date: 02/16/2024
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.]

Regards,

***************************
Initial Complaint
Date:02/02/2024
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 am having a problem with a charge of $36.06 from ******* online that has appeared on my credit card. This charge was NOT made by me. It appeared back in December of 2023. Now it is appearing again on my statement three times as of January 30, ****. I contacted Mission Lane and disputed the charges. They adjusted one charge for $36.06 and is refusing to remove the other two. I have requested to speak to a supervisor/manager, they have informed me that someone will call me back in 3 days, to no avail. I have called and been left on hold for a very lengthy time!
Business Response
Date: 02/09/2024
Dear *******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that an unauthorized transaction of $36.06 from ******* has been reflected on your statement three times as of January 30, **** and the charges appear even after you contacted us to initiate a fraud claim. You state that we adjusted one of the charges, but the other two remain on your account. You state that you requested to speak with a supervisor, but that you were not called back. You request a billing adjustment for the above activity.
We appreciate the opportunity to address your concerns.
On 12/20/2023, you called Mission Lane to report a transaction on your account from WALMART.COM (for $36.06 on 12/18/2023) as unauthorized.
Mission Lane created case C-****** to investigate this matter, and applied a provisional credit to your account. On 1/26/****, we received documentation from the merchant. The merchant provided the order information, which confirmed that the order included your name, email address and phone number on file, along with your mailing address on file. They also provided evidence that the order was placed from an IP address that matches yours. Based on the information the provisional credit was re-billed to your account, and you were sent a letter on 1/30/**** notifying you of the rebill. This letter also included the documentation that the merchant provided.

You called us three times on 2/1/**** to inquire about the rebill to your account. While the agents did explain that the claim noted that the merchant information provided showed that all transaction information matched yours, you were still dissatisfied. You asked to speak with a manager each time. A request for a follow up from a supervisor was submitted on your behalf.

On 2/2/****, a supervisor gave you a call at your request, but was unable to reach you. A supervisor called you again on 2/5/**** and explained the specifics of your claim and the resolution: that the merchant was able to provide supporting evidence that matched your information. On this call, you expressed that you wanted your claim to be reviewed, and the supervisor explained that they could submit the claim for review and that it could take ***** business days to be completed.
We have begun the process of re-opening your claim. We will notify you via email or mail on the progress of your claim.
We would also note that the three line items in your statement related to the activity youve reported as fraud are the initial transaction, the provisional credit, and the rebill. They are all adjustments that relate to the original transaction.
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
Customer Answer
Date: 02/09/2024
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.]

Regards,

*****************************
Initial Complaint
Date:02/01/2024
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.
There is an ongoing technical issue with Mission Lane, unable to log in via their app, due to technical issue on their end , according to screen shot attached.
Business Response
Date: 02/08/2024
Dear ******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that there is an ongoing issue preventing you from logging into your account via the ********************** app.
We appreciate the opportunity to address your concerns.

We have reviewed our records and found that the temporary issue that was preventing your login has been resolved and there have been successful login attempts since.

We apologize for any inconveniences the temporary issues caused. If you encounter similar login issues in the future we recommend attempting to login directly to our website at missionlane.com.
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
Customer Answer
Date: 02/08/2024
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.
Contrary to what Mission Lane claims, I have not been able to log in via their app. I've tried to log in as recently as of today, 2/8, the same error message appears as I have shown via screenshot.
Regards,

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

Business Response
Date: 02/15/2024
Dear ******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that you have been unable to sign into your account via the app since your initial complaint was filed.
We appreciate the opportunity to address your concerns.

Our technical team is reviewing these outages. We appreciate your patience as we work towards a permanent solution. In the meantime, you can review your account details by logging into the website directly at www.missionlane.com.

Again, we apologize for any inconveniences these ongoing technical issues may have caused.
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

Customer Answer
Date: 02/15/2024
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.]
The issue or "outage" referred to has been ongoing for several weeks now, does not appear to be resolved anytime soon. I've checked the app today, same error message appears and indicates the issue is on end of Mission Lane
Regards,

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

Business Response
Date: 02/22/2024
Dear ******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that you have been unable to sign into your account via the app since your initial complaint was filed.
We appreciate the opportunity to address your concerns.
As previously mentioned, our technical team is currently reviewing the outage and diligently working to find a permanent solution. We appreciate your patience. Until we identify a permanent solution, use our website (www.missionlane.com). We also recommend the follow troubleshooting steps:

Open the Settings menu.
Scroll down and select Apps.
Tap the app name whose app cache you want to clear. (Mission Lane)
Scroll down and select ************************** to clear data.
Tap Clear cache to clear the app cache.

As there are no further updates to provide at this time, we are considering this matter resolved.
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

Customer Answer
Date: 02/22/2024
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.

The outage has been ongoing for several weeks now, well over a month, Mission Lane does not appear to have a resolution, other than referring to website.

Regards,

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

Business Response
Date: 03/01/2024
Dear ******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that there is an ongoing issue preventing you from logging into your account via the ********************** app.

We appreciate the opportunity to address your concerns.

We attempted to contact you over the phone to troubleshoot this matter, but we could not get in touch. We have provided you with the following steps in the emails sent to you on 2/27 and 2/29:
Open the Settings menu.
Scroll down and select Apps.
Tap the app name whose app cache you want to clear. (Mission Lane)
Scroll down and select ************************** to clear data.
Tap Clear cache to clear the app cache.

We also recommend ensuring that your app is updated to its latest version. If the above troubleshooting steps are unsuccessful, use our website (www.missionlane.com).
As there are no further updates to provide at this time, we are considering this matter closed.
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
Initial Complaint
Date:01/31/2024
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.
01/31/2024 ******* NAJI ***************************************************** EXPERIAN INFORMATION SOLUTIONS ************************************************************* MISSION LANE ******** PO BOX ****** *******, ** ***** RE: 431503XXXXXXXXXX Dear Sir or Madam:I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Experian/ Transunion and Equifax absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Account name: ********************** TAB BANK Account number: **************** Date opened: 10/21/2020 Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (***s). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any ***.The Notice also specifies your responsibilities when you receive notice from a ***, under section 605B of the Fair Credit Reporting Act, that information you provided to the *** may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any ***s and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.Sincerely, ******* NAJI
Business Response
Date: 02/07/2024
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.
We were able to locate one account with us that matched the name in your complaint. Your allegation of application fraud has been thoroughly investigated and we did not find any indication of application fraud.
We attempted to reach you by phone on 2/6/2024 to obtain additional information regarding your claim. We were unable to get in touch with you but left a message asking you to call us back. We request that you kindly provide us the following information to aid in our ongoing investigation:
A completed affidavit (blank copy attached)
Youll need to complete it in the presence of a notary or a witness that youre not related to (a non-relative witness).
Please note that we normally request a police report in Section III of the affidavit; however, since we have received a copy of your FTC identity theft report, we do not need a police report in this case.
Please scan or photograph these documents and send them to **********************************.
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

Customer Answer
Date: 02/09/2024
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.

Date: 02/09/2024
From: ******* NAJI
c/o 34 **********
******, ** 92602-1625

To: EXPERIAN INFORMATION SOLUTIONS INC.
************************************************************

To: H3338353****336383438H ********
PO BOX ******
*******, ** 30348

RE: 431503XXXXXXXXXX

Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.
Dear Sir or Madam: I have gone through the report from the investigation carried out by your investigators on this account and still believe that I cant be held responsible for the debt. I recently learned that my personal information was used to open an account at your company.
Company Name: H3338353****336383438H ********
Company Address: PO BOX ****** *******, ** 30348
Date Opened: 10/21/2020
Account number: ****************

I did not open or authorize this account, and I therefore request that it be closed immediately. Most of my personal information was compromised, I was also a victim of the dreadful sim swapping and mail forwarding on my address.
According to 15 U.S. Code ?****c-2
(a) Block
Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
(1) appropriate proof of the identity of the consumer;
(2) a copy of an identity theft report;
(3) the identification of such information by the consumer; and
(4) a statement by the consumer that the information is not information relating to any transaction by the consumer.
(2) Notification to consumer
If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section ****i(a)
(5)(B) of this title.
In Addition, according to 18 U.S. Code 1028A
(a) Offenses.
(1) In general.
Whoever, during and in relation to any felony violation enumerated in subsection (c), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
(c) Definition.For purposes of this section, the term felony violation enumerated in subsection (c) means any offense that is a felony violation of
(C)(4) any provision contained in this chapter (relating to fraud and false statements), other than this section or section 1028(a)(7);
(C)(8) section 523 of the ********************************** Act (15 U.S.C. ****) (relating to obtaining customer information by false pretenses);
(C)(11) section 208, 811, 1107(b), 1128B(a), or **** of the Social Security Act (42 U.S.C. 408, ****, 1307(b), 1320a7b(a), and ****a) (relating to false statements relating to programs under the Act).
Furthermore, according to 15 U.S. Code ****s2
(a) Duty of furnishers of information to provide accurate information
(1) Prohibition
(A) Reporting information with actual knowledge of errors
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
(B) Reporting information after notice and confirmation of errors
A person shall not furnish information relating to a consumer to any consumer reporting agency if
(i) the person has been notified by the consumer, at the address
specified by the person for such notices, that specific information is
inaccurate; and
(ii) the information is, in fact, inaccurate.
(1)(D) Definition

For purposes of subparagraph (A), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
(2) Duty to correct and update information
A person who(A) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer; and
(B) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
(3) Duty to provide notice of dispute
If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
(6) Duties of furnishers upon notice of identity theft-related information
(A) Reasonable procedures
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section ****c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
(B) Information alleged to result from identity theft
If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
(8) Ability of consumer to dispute information directly with furnisher
(A) In general
The Bureau, in consultation with the Federal Trade Commission, the Federal banking agencies, and the ************************************* shall prescribe regulations that shall identify the circumstances under which a furnisher shall be required to reinvestigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.
(B) Considerations
In prescribing regulations under subparagraph (A), the agencies shall weigh
(i) the benefits to consumers with the costs on furnishers and the credit reporting system;
(ii) the impact on the overall accuracy and integrity of consumer reports of any such requirements;
(iii) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute; and
(iv) the potential impact on the credit reporting process if credit repair organizations, as defined in section 1679a(3) of this title, including entities that would be a credit repair organization, but for section 1679a(3)(B)(i) of this title, are able to circumvent the prohibition in subparagraph (G).
(C) Applicability
Subparagraphs (D) through (G) shall apply in any circumstance identified under the regulations promulgated under subparagraph (A). (D) Submitting a notice of dispute
A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that
(i) identifies the specific information that is being disputed;

(ii) explains the basis for the dispute; and
(iii) includes all supporting documentation required by the furnisher to
substantiate the basis of the dispute.
(E) Duty of person after receiving notice of dispute
After receiving a notice of dispute from a consumer pursuant to subparagraph (D), the person that provided the information in dispute to a consumer reporting agency shall
(i) conduct an investigation with respect to the disputed information;
(ii) review all relevant information provided by the consumer with the notice;
(iii) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section ****i(a)(1) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and
(iv) if the investigation finds that the information reported was
inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
(b) Duties of furnishers of information upon notice of dispute
(1) In general
After receiving notice pursuant to section ****i(a)(2) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall
(A) conduct an investigation with respect to the disputed information;
(B) review all relevant information provided by the consumer reporting agency pursuant to section ****i(a)(2) of this title;
(C) report the results of the investigation to the consumer reporting agency;
(D) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis; and
(E) if an item of information disputed by a consumer is found to be inaccurate or incomplete or cannot be verified after any reinvestigation under paragraph (1), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly
(i) modify that item of information;
(ii) delete that item of information; or
(iii) permanently block the reporting of that item of information.
(2) Deadline
A person shall complete all investigations, reviews, and reports required under paragraph (1) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section ****i(a)(1) of this title within which the consumer reporting agency is required to complete actions required by that section regarding that information.
(e) Accuracy guidelines and regulations required
(1) ****************************** shall, with respect to persons or entities that are subject to the enforcement authority of the Bureau under section ****s of this title
(A) establish and maintain guidelines for use by each person that furnishes information to a consumer reporting agency regarding the accuracy and integrity of the information relating to consumers that such entities furnish to consumer reporting agencies, and update such guidelines as often as necessary; and
(B) prescribe regulations requiring each person that furnishes information to a consumer reporting agency to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph (A).
(2) Criteria
In developing the guidelines required by paragraph (1)(A), the Bureau shall
(A) identify patterns, practices, and specific forms of activity that can compromise the accuracy and integrity of information furnished to consumer reporting agencies;
(B) review the methods (including technological means) used to furnish information relating to consumers to consumer reporting agencies;
(C) determine whether persons that furnish information to consumer reporting agencies maintain and enforce policies to ensure the accuracy and integrity of information furnished to consumer reporting agencies; and
(D) examine the policies and processes that persons that furnish information to consumer reporting agencies employ to conduct reinvestigations and correct inaccurate information relating to consumers that has been furnished to consumer reporting agencies.
Lastly according to 15 U.S. Code ****r
Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to a person not authorized to receive that information shall be fined under title 18, imprisoned for not more than 2 years, or both. I hope you were able to reason with me, times are tough, I have a lot going on with me right now to pay any debts I never incurred. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

Sincerely,
******* NAJI

Enclosures: HNajimissionlaneaffidavit
Current Copy of Credit report
Copy of DL
Copy of ssn card
Copy of bank statement

Regards,
******* Naji
Initial Complaint
Date:01/27/2024
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 am not liable with this debt MISSION LAN TAB BAN I do not have a contract with Mission lan tab . They did not provide me with the original contract as requested.
Business Response
Date: 02/02/2024
Dear *******,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state you are not liable for the debt associated with Mission Lane as you have not been provided with an original contract. You request we make a correction to your credit report to reflect this.
We appreciate the opportunity to address your concerns. We have included more information below regarding the account:
Our records reflect that you applied for the Mission Lane **** Credit Card on 9/20/2021.
As of the most recent cycle date of 1/20/2024, the total balance on your Account is $1,113.38. The account is currently charged off.
You can view your Account information, including all statements by logging in to your Account at ***************************************************.
For your convenience, we have included a copy of your current Credit Card Agreement (Agreement), which validates your debt and identifies the creditor.
To the extent you are indicating that the account was applied for fraudulently in your name, we attempted to contact you by phone on 1/30/2024 to obtain additional information for our ongoing investigation but were unable to get in touch. We left you a voicemail and email. Your claim of application fraud has been thoroughly investigated. We have reviewed the account in question and didnt find any indication of application fraud.

Should you wish to pursue an application fraud / identity theft claim, we request that you kindly provide us the following information to aid in our ongoing investigation:
A completed affidavit (blank copy attached)
Youll need to complete it in the presence of a notary or a witness that youre not related to (a non-relative witness).
A police report regarding a theft of your identity, or FTC fraud report
A color photo of the front and back of your drivers license or photo identification card
Please scan or photograph these documents and send them to **********************************.
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
Initial Complaint
Date:01/26/2024
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 have been experiencing significant delays in my available credit being updated after large payments. I'm still pending an update from a payment that cleared my bank on JANUARY 19th for $500. These extreme delays causes inaccuracy of credit reporting. I've called regarding this matter many times and nothing has been done. I was told by a manager "I'll see what I can do." That's not a reassuring response after $500 was taken out my account for a payment and I have to battle them to update my balance.
Business Response
Date: 02/02/2024
Dear *********,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card, issued by ****************************, **** Specifically, you state that you have experienced significant delays in availability of credit after making large payments. You claim this delay causes inaccurate credit reporting. You state that youve called Mission Lane many times and that nothing has been done to support your request.
Thank you for allowing us to address your concerns. We have reviewed your account and confirm that you first contacted us regarding this matter on 1/24/2024 by phone, after a payment of $500.00 was posted to your account on 1/19/2024. In response to your inquiry, we discussed Mission Lanes policy and timeframes for payment processing. This is the only time weve had the opportunity to speak with you regarding this matter.
When a payment is made, the withdrawal from your bank account will generally occur within two (2) business days of the payment date, but the exact timing is dependent on your bank's processing schedule. Importantly, when the payment posts, the amount of the payment is reflected in your balance. Your balance is reported to the credit bureaus each month when your statement cycles and will reflect payments made.

Your card's available credit *** not change until your payment posts which could take up to seven (7) calendar days. This is a precautionary measure to help you avoid going over your credit limit if the payment is returned for any reason.
Mission Lane has a policy in place to release a payment into your available credit faster than the 7 calendar days when the funds are delayed in clearing. We are able to release the funds sooner if you send us a screenshot of the payment from your bank account with the following information:
Confirmation number or last 4 of the bank account number
Payment noted as posted, not pending
Date when payment was posted
Alternatively, we can receive confirmation that the payment has been posted through a three-way call with your bank. If you wish to use the phone call option, please call our customer service line at ************ during our standard servicing hours (Monday - Friday, 9 a.m. - 8 p.m. ET).
We truly appreciate your patience while we investigated this matter. If you have further questions, please call ************ Monday - Friday, 9 a.m. - 5 p.m. ET. Otherwise, you *** send an email to *****************************.

Sincerely,
Mission Lane LLC
Customer Answer
Date: 02/02/2024
/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.
This is inaccurate.
I reached out: 12/26/23 regarding the first payment delay from that payment of $1202. I reached out: 1/24/24, 1/27/24, and twice on 1/29/24 to try to resolve the matter. My balance was $977 prior to the $500 payment. It should reflect $477. I've checked my online account daily since I made the $500 payment on 1/19/24 and it never updated; which is why I called as I had the same issue the prior payment. I was basically told each time it was not much they can do. I advised they were not going to rob me out of $500 and the increased delays are causing inaccuracies. I'd like to mention this never happened before, except he prior two times. I asked the manager I spoke with what has changed, and he told me they switched banks. He did confirm the payment would post after 7 days and it still has not. I attached my call log that proves the many times I've called. I also sent several online messages to them also; which I can provide if needed. I will also like to add, no one from Mission Lane has reached out regarding this dispute.

Regards,

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

Business Response
Date: 02/09/2024
Dear *********,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that you reached out to us once in December 2023 and several times in January **** to resolve your concern about your recent payments applying to your account. You state that your balance was $977.00 and after making a $500.00 payment, your balance should be $477.00. You also state that no one from Mission Lane reached out regarding this matter.
We appreciate the opportunity to address your concerns.
On 12/19/2023, your statement cycled with a new balance of $1994.61. On 12/20/2023, you made a payment of $1202.00. This payment applied overnight to your balance. On 1/19/****, you made a payment of $500.00. Because this payment was initiated before 5:59pm of your statement cycle date, the payment reflects on your January statement along with the 12/20/2023 payment.
You received two credits during this statement cycle, one for $90.51 and one for $5.94, totalling $96.45. You made purchases that appear in your January statement that total $747.16. Your account was also assessed $34.41 in interest charges when your statement cycled.
In summary, your previous balance of $1994.61, less the payments ($1202.00 and $500.00) and credits ($96.45), plus purchases ($747.16) and interest ($34.41), equals your new balance of $977.73.

We have also confirmed that we did contact you via email after we received notification of your complaint to assure you we were investigating the matter and invited you to contact us if you had any questions or concerns in the meantime.
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
Customer Answer
Date: 02/09/2024
I am done disputing the matter. I will be ending the relationship soon.

Better Business Bureau:

I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: **********************************************.

Regards,

***************************
Initial Complaint
Date:01/25/2024
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 opened an account with "**********************" credit card via Credit Karma in July of 2022. I bought a plan with "Best Buy" but retuned the item or the membership with-in the agreed time frame. I had a credit which they have refused to process as a refund, unless I send them a copy of my drivers license & a selfie. They approved my credit and know who I am. I don't have a balance due. I don't trust sending this request to them and I've never been asked for this. My card is also frozen and I am due $391.48. I'm hoping BBB can help me recover the money due. I've tried twice when calling to get this resolved but they say the same info. HELP !
Business Response
Date: 02/01/2024
Dear ***,
We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state you had a credit balance on your Mission Lane **** card but have been unable to receive your refund without sending a copy of your driver's license and selfie. You state you do not feel comfortable sharing this information and are requesting this balance be refunded.
We appreciate the opportunity to address your concerns.
Mission Lane conducts periodic reviews of accounts to monitor potential security risks. We recently restricted your account to validate the recent changes made to your personal information. On 10/6/2023, we sent you a secure message that required you to log in to your account in order to view it. The message requested that you confirm that you authorized the recent changes made to your account and that you verify your identity by sending us a selfie along with either your drivers license or passport by using our identification partner at the time, Berbix.
You contacted us regarding your credit balance refund of $391.48 on 1/18/2024. The agent you spoke with followed our standard policy, requesting that the identity concerns be resolved prior to issuing the refund. After an additional review, we have issued the refund of $391.48 to the address on file. Please allow up to 14 calendar days for the check to be received.
If you would like to proceed with unrestricting your account for future use, please verify your identity by using the secure link within the email sent on 1/29/2024 and upload a photo of your government-issued ID, as well as a selfie. You can also reply directly to this secure message by attaching color photos of the following;
Your government-issued ID (front and back)
A selfie (a photo you take of yourself)
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
Customer Answer
Date: 02/01/2024
[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: **********************************************.

Regards,

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

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