Review Time
This company asks for your bank account info including your password to access and withdrawl your money. They do not need your password. This company is a joke. Do not do business with them unless you are looking to hit rock bottom financially.DONT DO Business with this FAULTY company.
They call and say they have a buyer for part of a Timeshare I own. Then they ask for money, which they say is only for two things. Two things become four. They send you copies of certified bank checks. You will receive by FEDEX. Never happens. They use the names, Brian Berry, Adrian Morgan and Richard Wakefield. Berry is the one who makes initial contact, Then Wakefield and then Morgan. So far, all I can say is that they make a lot of non-fulfilled promises. They are still at it.
About one week ago, I received a call from someone claiming that they were calling from LightStream Finance telling me that I was eligible for a loan. Believing that this was a legitimate company with a legitimate application process, personal and banking information was taken over the phone. Afterwards, I was told to input information into the bank verification portal that was accessed via a link that was emailed to me. on the portal, I provided my name, social security number and phone number, the name of my financial institution, the user name and password to the mobile application. I was also told by this gentleman that a small amount would be deposited into the account to verify the account and that I had to go send it back. I was also told that by doing this, this would increase my credit score. Well, the amounts deposited into my account were returned back via making payments at Walmart off of my debit card. I was informed by one of my creditors that a payment made three months ago was reversed, and it was then that I discovered that several payments taken out of my checking account were reversed. On top of that, two checks were deposited into my account that turned out to be fraudulent and a third check is being held for a week by the bank for verification. The fraud was reported to my bank and my local law enforcement agency. The bank tells me I am on the hook for nearly $1000 from the fraudulent checks and how I have to go back to those I paid bills to out of my account and explain the fraud and I have put in a complaint to federal agencies as well. Beware of those purporting to work for this company.
Absolutely a waste of time. My credit over 800, solid income, 2 mortgages paid off on credit and yet still they declined with 0 reasons. I am ideal applicant that a bank wish to have all day long for a loan. I was able to get approval with 2 other lenders same day without any issues. Very disappointed.
Don’t ever use lightstream. They don’t do soft pulls to see if your qualify first and they don’t automatically offer lower amounts for what they can approve you for. In addition after they denied me twice since I lowered my requested amount to half. I was immediately approved by SoFi for a large amount. What did SoFi see that LightStream didn’t?
I bought a new car and paid off this loan. My payments to them were at the beginning of every month. This company took out a payment on the day the loan with them settled in the middle of the month, two weeks before my scheduled payment. Then they took out ANOTHER payment the beginning of the next month. When I called and asked them to stop making payments I was told it was their policy to get a stop order from me (BS) and that it would take ten business days before they issued a refund check. This is all about them getting interest off of my money. They STOLE my money is what it amounts to, then they expect me to come after them to get it back. Totally scammy, bad banking behavior.
I was instantly approved for a 22,000 personal loan. I called them the next day cuz I accidentally picked the wrong loan type , I was told to submit a new application and it would be fine… well I did that and then they contacted me wanted all this information that they didn’t ask when I was already approved for the money…they wanted my bank statements , w-2’s,tax returns, etc. I told them , I’m not buying a dang house, it’s a personal loan , you don’t need all that. My credit score is 772 and I already have a loan with y’all with perfect payment history. I sent them my proof of income and bank statements , then was denied , their reasoning was they could only verify half of my income 😂😂😂. What a joke ! We own a business , and my bank statements clearly show our income .
Application was easy but they moved the date they paid me after we agreed on a day. They don't do same day payments. It can take 4 days for them to receive your payment. What bank can't take an electronic payment in a day or 2? I could send a check in the mail at that speed.
I was looking for an online loan when I got a call from this company. I had to give them my routing & account number so they could make a deposit, he told me his manager would call me in 30 min, call never came so I called the number that he called me from, it was already disconnected. On my way to close my account & open a new one. Minto Money & WithU Loans are good. They do a deposit the same day & deduct from your account on payday & their customer service are great to work with. If you're in a pinch, both are great. I've borrowed $200 to $800 with no problems at all.
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LightStream online lending offers loans for auto, home improvement and practically anything else, at low rates for those with good credit.
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