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LendingPoint Holdings LLC – CFPB Complaint

By on December 14, 2018
Consumer Complaint Submission

Date Received: 2018-10-14T00:00:00

Product: I do not know

Issue: Communication tactics

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I took a loan out with Lending Point in XXXX of 2018. I have been paying the loan but the date due kept escalating. I sent an email to customer service asking for a set date. I received a response and was told that in order to have a set date my payment would increase. I agreed to this adjustment and signed the necessary paperwork via XXXX. I was informed my new payment would be due on the XXXX of every month.

I then received an email for that next month saying my payment was delinquent since prior to me adjusting my loan the payment due date would have been the XXXX of the month and this would have been then XX/XX/XXXX. I replied to the email that I had locked in my loan and the payment was now set to draft on the XXXX of every month.

Two days later I received a call from a woman at XXXX XXXX stating that I was delinquent and I must make a payment. I informed her that I had already responded to an email that was sent to me regarding this issue and that I now had a set date for my payment to be withdrawn monthly, on the XXXX. She acknowledged that she had seen the payment was set to be taken out on the XXXX. She asked who I sent the email to and when I went to look for the email, our call was disconnected.

I then sent an email to the woman I initially made the change with to confirm that my payment was to be taken out on the XXXX and she acknowledged that it in fact was processing the withdrawal and she wasn’t sure why anyone would be calling me.

Three days later I receive a phone call from my son telling me that this same woman ( he confirmed the actual number ) was calling him telling him that she had to get in contact with me and that it was a very urgent matter. This woman spoke to me, acknowledged my payment that was scheduled but yet continued to dun me and to call my emergency contacts and causing problems for me that she had no right to under the fair debt collection practices act.

READ  Ditech Financial LLC - CFPB Complaint

I have called the company to discuss my disgust regarding this matter and the fact that something must be done as she was trying to bully me into making additional payments that were not due. I was promised notification of resolution to this matter but have received none to date. I am hopeful that you will be able to assist me in resolution to these unfair practices by this business.

Company: LendingPoint Holdings LLC

State/Zip: FL 330XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3045576

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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