Review Time
The service does not provide accurate information to the credit bureau. They accepted my payment for my full credit card balance over 60 days ago, yet despite their claims of reporting every 30 days, they have not updated the correct balance. I spent more than 3 hours across 5 phone calls with various representatives who struggled with English. They assured me that someone would return my call, but that never happened. I called again, desperate to speak with a supervisor named Chris, who also could not explain the reporting failure. He informed me that the 'customer response team' would reach out, but after days of waiting, he admitted they hadn’t responded to him either. This company is truly disappointing!
I am filing this complaint regarding what I see as unlawful and deceptive lending practices related to my loan application for $35,000. Initially, I was told I was approved, but then the company imposed unreasonable documentation requirements. These actions may violate various consumer protection laws and represent a bait-and-switch tactic. Despite providing legitimate income verification, I was met with arbitrary documentation demands that disproportionately impact non-traditional workers. As a result, I experienced financial harm and emotional distress. I request an investigation into these practices and corrective actions to ensure fair treatment of all applicants.
I am submitting this review to address what I believe are unlawful and deceptive lending practices connected to my loan application for $35,000. Initially, I was told, 'Congratulations — You’re Approved,' but this was followed by unreasonable documentation requirements. The actions described may violate: - Equal Credit Opportunity Act (ECOA) - Regulation B - CFPB prohibitions against unfair and deceptive practices. This situation represents a deceptive approval followed by a bait-and-switch tactic, as the company imposed undisclosed conditions after the initial approval was granted. As a private-duty nurse, I provided ample income verification, yet my application was still rejected based on arbitrary criteria. This practice unfairly discriminates against non-traditional earners and violates regulations requiring consideration of all verifiable income. Due to these actions, I faced financial harm, delays, and emotional distress. I urge regulators to investigate these practices and require the company to adopt fair lending standards and reconsider my application.
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Best Egg provides flexible solutions to help people confidently navigate their everyday financial lives. Best Egg supports customers through a growing suite of personal loans, credit card, flexible rent, and financial health tools. Leveraging real-time customer insights, Best Egg gives more people access to the resources they need to be money confident.
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