Review Time
Don't use these people. I have a credit score over 750 and a perfect credit payment history. They consistently WASTE an inquiry on my credit report, never approve loans, so I am not sure what they are doing with such deceptive advertising -----I've owned homes, and even had a personal loan with them before, perfect history, paid off early. I hope they go out of business.
Reading all the reviews makes me even more furious at myself for not doing my homework and letting myself be sucked in by these bottom feeders. Whenever I don't listen to my gut feelings, I get screwed. I'm embarrassed to say that I'm 65 and have lived long enough to know better but I was in a financial crisis and obviously lost control of my senses. My story is the same as most of you..I was approved for 5K almost on the spot and right then I should've known it was too good to be true because my credit is not good at all. I stupidly believed them probably because I wanted so badly for it to work out. I let my emotions take over. Now, I'm out $600 which overdrew my bank account with no hope of ever recovering it. I got a call from my bank's fraud dept and I knew immediately. I changed all my online banking info right away and they (Lightstream) had the audacity to call me and ask me why I did that. I was almost speechless. I said...Are you effing kidding me? Then I got some BS story that she was not in the payment dept and I said...Save it honey...it's all BS and then I wrote a scathing (and that's putting it mildly) email to Jessica Howard, the supposed Loan Director. I got a return email that said..."Thanks and regards" from Jessica. I was able to get her on the phone and I said...What is wrong with you? She said she was not aware of the problem and would straighten it out. I told her I wanted to hear from her before the close of business today...big surprise...no call. I didn't expect one. I honestly would take great pleasure in flying to CA and pay them a little visit in person with my friend who happens to be on a SWAT team...That's how furious I am. These people are why the world is such a hateful place these days...they don't deserve to breath the same oxygen we do...it's just a waste. I'm really rooting for Karma to work it's magic when they least expect it. Just wish I could be there to applaud. Honestly, I am a kind, peace loving old hippie from the Woodstock days, although I may not sound like it right now but I'm just so saddened by what the human race has become and done to our world. Sorry for the ramble but I had to share. Bless you all and be kind to one another...it's our only chance. As Jimi Hendrix said " When the power of love overcomes the love of power, then and only then will we know peace" Be safe friends.
I don’t know if this is the same company or not but I got a phone call about a loan from Light Stream Finance and they said I was approved for a loan of $2,000 and go through the process and they wanted to deposit money into my checking account to verify my account and then for me to send the money back. The guy kept telling me it will bring my credit score up and then they would deposit the $2,000 into my account. I said I need to check with my bank because they hold deposits and I hung up on the guy and called my bank. It’s a scam.
light stream never ever calls people and provides a loan if u got any email please check the sender if the sender is from Gmail it is a scam if that email came from lightstream.com it is a legit email please check the domain when u receive any emails. this is for everyone who is in this forum
I applied for a car loan yesterday evening and expected a “fast decision”.I received an email at 6:27AM the next morning asking for me to call to answer a couple questions. I called and received an automated message saying that their offices were closed and to call back between 10am and 6pm. I waited until 10am and called again. Agent asked a couple identifying questions and reassured me I would receive an answer “today”. Received an email at 10:24am asking me to upload documents. I did so and completed the project within an hour.Didn’t hear anything, so at 2:40pm, I called again. The agent said it is currently under review, but not to worry because I will receive a decision “TODAY”. I said “that’s great, because I plan to go car shopping tomorrow.”I didn’t hear back by 6pm, so I called again, but offices are apparently now closed. Logged into the application online and it appears that it’s still in process.Sent an email to inquire and quickly received a denial letter within 60 minutes.According to their system, I have an 802 credit score. I have millions of dollars in investments and real estate. I have very little, to no debt at all.I make over $40,000 per month in income.They declined me for reasons that simply do not apply.Clearly they’re trying to attract people by teasing them with low interest rate offers, but really only looking to approve consumers with low income/credit so they can justify charging high interest rates.
This company called me when I DID NOT apply for anything anywhere online, they just HAPPENED to have my number, I work for a loan company myself and I know that it is NOT PROFESSIONAL to talk over the customer, their employee I beleieve he said his name was Jerry, was walking over me after I asked where he obtained my information. They are unprofessional and rude and get your personal information that they BUY from other websites, SCAM
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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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