Complaints

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

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  Mission Lane, LLC

  Richmond, VA 23230-4438

  
• 

  Mission Lane LLC

  PO Box 105286 Atlanta, GA 30348

• 

  Mission Lane, LLC

  PO Box 105286 Atlanta, GA 30348-5286

• 

  Mission Lane LLC

  PO Box 31535 Tampa, FL 33631

• 

  Mission Lane Card Services

  PO Box 23075 Columbus, GA 31902

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/24/2024

  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.

  In aug 2023 i was sick with covid and was late on my credit card, when i called them i told them the situation and they said if i paid the late fee they would forgive it and remove it from my credit report. This is the only time i have been late and have been a loyal customer. my account number is **************** my last 4 ss# **** i would like this removed from my credit report as i kept to my obligations as a loyal customer

  Business Response

  Date: 01/31/2024

  Dear ****,
  We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that you contacted us in August of 2023 when you were experiencing medical hardship related to COVD-19. You state that you were told that if you paid the late fee on your account, that we would forgive the payment and remove it from your credit report. You state that your payment history has otherwise been good, and request that the late payment be removed from your credit report.
  We appreciate the opportunity to address your concerns. 
  We reviewed your account and payment history. Besides those few late payments, your payment history has been good and your account is current. We truly value you as a Mission Lane customer and want to do all we can to assist you. As a courtesy, we have waived your late fees from July and August of 2023. 
  We carefully reviewed our interactions with you and can confirm that we were not contacted by you in 2023. Our first notification of your request to remove the late payments from your credit report was through receipt of your complaint. 
  While Mission Lane has hardship options available to support cardholders who have been negatively impacted by the ******19 pandemic, we do require that you contact us before each due date if you require payment assistance during that statement cycle. Because you didn't contact us, we were unable to extend additional support at that time.
  Mission Lane does not report your account to the credit bureaus until your second consecutive missed payment. Unfortunately, since two consecutive payments were missed in July and August of 2023, your account was reported as past due.
  Mission Lane is required to accurately report your accounts history. As a result, we are unable to make any  goodwill adjustments to credit bureau reporting.
  If you are still experiencing financial hardship, please let us know. We would be happy to assist you in determining the best option for your situation.
  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:01/24/2024

  Type:Order 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 for this debt with Mission Lane ********. I do not have a contract with Mission Lane ******** for this account. They did not provide me with the original contract as I requested.

  Business Response

  Date: 01/31/2024

  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 and do not have a contract with us. You request we remove this account from your credit report. 
  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 5/2/2016.
  As of the most recent cycle date of 1/2/2024,  the total balance on your Account is $543.07. 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.
  When you originally applied for your card, you applied for an L Card by Lendup that was originated by ********************** In June 2019, the account and all future servicing was transferred from LendUp to Mission Lane.
  To the extent you are indicating that the account was applied for fraudulently in your name, we attempted to contact you by phone on 1/26/2024 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:01/23/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been trying to contact this company for a year with no success. I never obtain my credit card or any information on it. I tried to canceled it and I cannot get a hold of anyone. Can someone please help me with this matter?

  Business Response

  Date: 01/30/2024

  Dear ******,
  We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that you have been trying to contact us for a year with no success. You state that you never received your credit card, and that you attempted to cancel it and could not reach us. You request assistance in this matter.
  We appreciate the opportunity to address your concerns. 
  You initially applied for a Mission Lane card on 10/23/2021. After applying, you reached out to us on 10/23/2021 to update the phone number we had on file for you. We requested documentation from you to support this request. After you provided this documentation, we updated your phone number on file.
  
  You later emailed us on 11/21/2023 to let us know that you did not receive your card. We reviewed your account and noticed the expected delivery period had passed. We replied, and asked you to confirm your address for us, to rule out any error that might prevent successful delivery. You replied and explained that you had since moved, and would need to update your address. We replied and requested a few pieces of documentation from you, including a copy of your ID and proof of residency information, to support this update. Unfortunately, we didnt hear back from you, so your address was not updated and a new card was not sent. 
  You contacted us via email on 8/4/2023 and requested to close your account. In response, we suggested a link to our help center articles with more information about topics that *** be related to your requests. You clicked into one of these articles, and then marked your open support ticket as solved by the information provided there. This happened before a member of our team saw your request, so you never received a response.
  We reached out to you after we received your BBB complaint to let you know we were reviewing the matter and were available if you had any questions or concerns. You contacted us again after this and requested to close your account, and we have done so. 
  Were sorry that we werent able to resolve your concerns the first time you reached out to us. We pride ourselves on an excellent customer experience, and we feel that we had an opportunity to better support you in these interactions. If youd like to give us another chance, wed be happy to reopen your account, help update your address, and get a card sent out to you - just let us know by 2/22/2024.
  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
  

• Initial Complaint

  Date:01/22/2024

  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.

  My bank M&T had a tech failure and declined payments from my bank account. The issue has been fixed but I am unable to use my M&T bank for autopay. Mission Lane cancelled my Auto-Pay. I called and was told that I cannot use that bank account with **********************. I have no other bank account and it is my only way to pay bills. Mission Lane has declined to accept my money and payments. I am looking to speak to someone that can fix this issue or I will not be able to make payments as I will not add chaos to my life by changing my bank accounts due to credit card auto-pays and other fees that are paid automatically. If Mission Lane cannot accept the bank account I use and is active then I have no way to pay them. All attempts to pay will be made but without Mission Lane accepting my bank account it will fail. I am not liable as it was the choice of Mission Lane to not accept my upcoming payments through my bank account. I am sorry that I trusted Mission Lane.

  Business Response

  Date: 01/29/2024

  Dear ******,
  We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that payments from your bank account were declined due to a technical issue with your bank and because payments were declined, your automatic payments to your Mission Lane account were canceled. You state that the technical issues have since been resolved, but that you are still unable to use your funding account to make payments toward your Mission Lane account. You state that you are not liable and that it was discretionarily determined by Mission Lane to not accept your payments.  
  We appreciate the opportunity to address your concerns. 
  From 7/17/2023 to 12/17/2023, you successfully made payments on a monthly basis to your Mission Lane account from an M&T Bank account ending in **** through our internal autopay service. Your 1/17/2024 autopay payment was automatically initiated per your autopay enrollment, but on 1/22/2024, we received notification from your financial institution that the funding account was frozen, or otherwise unable to be used. We reached out to you the same day to let you know that we canceled the auto pay for your Mission Lane Credit Card account (ending in ****) because of changes to the status of your bank account ending in ****.
  We made the cancelation to help you avoid potential returned payment fees from your bank in the future. We let you know that if you'd like to reauthorize your payments, you could sign in to your dashboard or call us and provide us with the bank account you'd like to use moving forward.
  
  We contacted you again on 1/23/2024 with more information, specifically explaining that your payment failed because the bank informed us that the account was frozen. We asked that you please add a new bank account manually or link an account through Plaid, then resubmit your payment. We also explained that you could also provide us with a letter from your bank with bank name, customer name, and account number indicating that the account was no longer frozen. 
  On 1/22/2024, you added an M&T Bank funding account with a new routing number and existing account number, and validated the account through our third party partner, Plaid. On 1/23/2024, you initiated a payment through this account, and enrolled in our internal autopay service. If this payment is unsuccessful for any reason, we will reach out to you via email and explain next steps to resolve the issue. 
  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:01/17/2024

  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.

  AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES TRANSUNION, EQUIFAX, EXPERIAN, INNOVIS, LEXISNEXIS, FACTORTRUST, ********* AND ARS HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION ACCOURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONCENT, INCLUDING THE FOLLOWING ACCOUNTS CREDIT ACCEPTANCE CORPORATION (****) ON MY CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, Which outlines the permissible purpose of consumer reports and YOU DID NOT REQUEST Form SSA-89 for me to sign when application for credit was filed so therefore there'd be no proof of me applying for anything.

  Business Response

  Date: 01/24/2024

  Dear *******,
  We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that your credit information was furnished without your consent, and no form SSA-89 was requested when you signed your application. You also included in your complaint a disputed amount of $1,000. 
  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 11/12/2020.
  As of 1/23/2024 the total balance on your Account is $857.41. 
  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.
  Regarding your assertion that you do not have a contract with Mission Lane, you agreed to the terms and conditions of your Agreement when you signed up for the account. As part of the Agreement, you agreed to pay us for all amounts charged to the Account, including transactions, interest, fees and charges charged to your account.  We have attached a copy of your Agreement for your review. Additionally, per our Consumer Privacy Notice, we can share your information for our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. You can view our Consumer Privacy Notice at **************************************************************************;
  Mission Lane is not a debt collector. In addition, 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.  
  Additionally, you included in your complaint a disputed amount of $1,000. We reviewed the account and did not locate a charge in that amount therefore we will not be able to provide you with your disputed amount.
  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:01/17/2024

  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 for this debt with First Premier. I do not have a contract with the credit agency that is trying to collect and report to my credit.

  Business Response

  Date: 01/24/2024

  Dear ****,
  We are writing in response to your recent BBB complaint that was sent to Mission Lane. Specifically, you state you are not liable for the debt of a First Premier account. You state that you do not have a contract with the credit agency that is reporting your account to the credit bureaus and request that your credit reporting be corrected. To the extent that you intended to say that you were not liable for your Mission Lane account, we appreciate the opportunity to address your concerns and direct you to our response below. 
  MIssion Lane is not affiliated with First Premier. If you are attempting to file a dispute with First Premier, you will need to reach out to the BBB to redirect your complaint accordingly. Our records reflect that you do have a Mission Lane **** Credit Card account under your name, ending in **** (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 6/30/2021.
  2. Your Account was 180+ days overdue, and is therefore charged-off. As of 1/24/2023, the total balance on your Account is $684.39.
  3. You can view your Account information, including all statements by logging in to your Mission Lane account at ***************************************************.
  4. For your convenience, we have attached a copy of your current Cardholder Agreement. 
  
  If your complaint was intended for Mission Lane, regarding the matter of not having a contract with Mission Lane, you agreed to the terms and conditions of your Cardholder Agreement when you signed up for the Account. As part of the Cardholder Agreement, you agreed to pay us for all amounts charged to the Account, including transactions, interest, fees and charges charged to your account.
  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:01/17/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  11/09/23 I used my Credit Card for 4 in-app purchases using my Apple ID, for an app that used my Apple ID to access the app, purchase was for $172.99x4, total $691.96. The app crashed, and after I restarted the app, the in-app items were missing. I called Apple, was told to wait a day, and call back if issue persist. 11/10/23 I called Apple, they said they have no idea what's going on. They said to wait for a resolution. 11/13/23 going nowhere with Apple I Filed a claim with Mission Lane. 11/20/23 I signed out the Apple ID on the device, not just that app, and while trying to sign back in, I got an error that Apple ID doesnt exist. I called Apple, and was told the Apple ID is permanently deleted, and nothing they could do. Apple couldn't explain how/why Apple ID was deleted. 11/30/23, I received a letter from Mission Lane requesting receipts and transaction agreement between me and Apple. Since Apple ID is now deleted, there's no way to get requested information. 12/11/23 I called Mission Lane and explained that I cant submit requested documents, due to Apple closing account. Was told theyd leave a note on claim, and I should't worry about it. 12/15/23 I got a letter that claim is closed, due to not responding. 12/28/23 I called Mission Lane, and explained I was told on the 11th that theyll continue the claim. I was told theyll send an email, and I should respond to reopen claim. 12/31/23 I replied to email, and attached documentation that Apple closed account, and Apple is not able to send documents. Apple said to contact Mission Lane and dispute the charges. 1/3/24, I got an email from Mission Lane they received the documents. Same day, I emailed back, and asked if claim is reopened. 1/4/24 I got an email from Mission Lane, that the claim is reopened. 1/16/23, I called Mission Lane, and asked for an update on claim. I was told that claim was not reopened, and theyre not willing to reopen, despite telling me that it was/will be reopened.

  Business Response

  Date: 01/24/2024

  Dear *****,
  We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state you had issues with a transaction through your Apple ID and you never received the product you paid for and you would like full reimbursement.  
  We appreciate the opportunity to address your concerns. 
  On 11/13/2023, you called Mission Lane to start a dispute in regards to the following transactions:
  172.99 APPLE.COM/BILL 11/09/2023
  172.99 APPLE.COM/BILL 11/09/2023
  172.99 APPLE.COM/BILL 11/09/2023
  172.99 APPLE.COM/BILL 11/09/2023
  Mission Lane created case C-****** to investigate this matter for you. However, on 1/16/2024, we closed the case due to lack of information and letters were sent to you giving you that information. 
  Within your complaint, you attached documents to help support your claim. As a result, we re-opened your claim and attached the documents you sent with the complaint. We will investigate the matter and will notify you via email or mail on the progress of 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:01/16/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I closed out my account with this company over two years ago. They are still continuing to send me notices even though I do not owe anything to this company. I have letters, emails and calls; however, they keep contacting me. I want the company to cease all contact.

  Business Response

  Date: 01/23/2024

  Dear ****,
  We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state you have continued to receive statement notices even though the account has been closed and you have not had a remaining balance. You seek to cease all further contact.
  We appreciate the opportunity to address your concerns. 
  We can confirm that the account was closed on 7/26/2022 and your final statement was generated on 8/15/2022. We found that even though no statements were generated after 8/15/2022, a technical issue resulted in you continuing to receive statement notices via email around the 16th of every month.
  
  We apologize for our error. We have updated your contact preferences to cease all communications from Mission Lane and you will no longer receive statement notices. 
  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:01/12/2024

  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.

  accordance with the Fair Credit Reporting Act this creanernate Rarneathgraghts urgarets USC **** section 6 o 2 states I have the right to privacy (15 USC **** (section 6 0 4 a section 2 (it also states a consumer reporting agency cannot furnish an account without my written instructions under 15 USCS ****b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose

  Business Response

  Date: 01/19/2024

  Dear ******,
  We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you claim that we did not obtain your consent before reporting to the credit bureaus. You request that we correct your reporting. 
  We appreciate the opportunity to address your concerns. 
  Every month, on your statement cycle date, we report your account to the credit bureaus. As outlined in your cardholder agreement, Late payments, missed payments, returned payments, or other defaults on your Account may be reflected in your credit report. We report accounts late to the credit bureaus once they become 30 days past due. We had not received a payment for your 3/14/2023 or your 4/14/2023 due date, causing your account to be reported late in April 2023. 
  Additionally, per our Consumer Privacy Notice, we can share your information for our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. You can view our Consumer Privacy Notice at **************************************************************************;
  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 update your account.
  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:01/11/2024

  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 recently pulled my credit report and noticed that Mission Lane is reporting a late payment in February 2023, when I was never late. This issue should have been resolved months ago, but it seems as though Equifax was the only credit reporting agency to remove the late payment. Please see the attached dispute letter, which is dated, and time stamped as well as my credit report. You are also reporting inconsistent information which is also a violation of the **** and my credit report will show the inconsistent payment reporting. The payment history you are reporting is not credible and I am requesting that Mission Lane submit an AUD to Experian and Transunion to correct this misinformation. Under 15 USC 1666B the account ******************************************* is a billing error. I am requesting that this account is changed to paid as agreed never late.

  Business Response

  Date: 01/18/2024

  Dear ******,
  We are writing in response to your recent BBB complaint regarding your Mission Lane **** Credit Card. Specifically, you state that Mission Lane is incorrectly reporting a late payment in February 2023. 
  We appreciate the opportunity to address your concerns. 
  After reviewing your account, we found that on your 12/4/2022 statement there was a minimum due of $36.05 due by 1/1/2023. We did not receive payment before this due date causing the account to go past due. On your 1/4/2023 statement there was a minimum due of $109.73 due by 2/1/2023. We did not receive payment before this due date causing the account to go further past due which resulted in the past due reporting.
  
  Regarding your concerns with the reporting of the payment history, we have reviewed your account and reporting history with each of the three ************************* and verified that we are reporting the account accurately. This also includes the late payment reporting history. 
  Nothing in our review suggests we are reporting inaccurately. We therefore respectfully decline your request to have these payments removed from your credit report as a result.
  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