Very professional, kept me well informed of processes and was very strict with document signage via digital means. The (live) person/s were friendly, answered all questions and kept me informed via e... Mehr ansehen
Wir überprüfen keine spezifischen Behauptungen, da die Meinungen der Bewerter ihre eigenen sind. Wir können Bewertungen jedoch als „verifiziert” kennzeichnen, wenn wir bestätigen können, dass eine geschäftliche Interaktion stattgefunden hat. Mehr erfahren
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Das sagen Bewerter
The representative who worked with me was very patient with me. During the process, I had tons of questions, and he was patient over a three day span and explained everything.And i'm actually happy w... Mehr ansehen
The process was quick and easy. Everything was explained throughly and simplified to your understanding. There are no hidden fees and nothing is forced upon you if you're not in agreement with terms.... Mehr ansehen
Unternehmen hat geantwortet
Was pre-approved 10/25. Applied and received email that loan was funded 10/27. LUSA set repayment date for 12/1, but did not actually fund load until 11/13. When I complained, their "internal rev... Mehr ansehen
Unternehmensdetails
Informationen, die aus verschiedenen externen Quellen stammen
LendingUSA exists to provide smart financing solutions at the important moments in life. The money people need when and where they need it.
Kontaktinformationen
15303 Ventura Blvd., Suite 850, 91403, Sherman Oaks, Vereinigte Staaten
- 1-800-994-6177
- customerservice@lendingusa.com
- lendingusa.com
4,5
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817 Bewertungen
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Unwillingness to handle matters amicably
I have experienced nothing but negligence . I made a purchase September 12th through what I thought was “lending USA “ too later find out that they furnished my NPI to a third party (Cross Rivers Bank) without giving me proper disclosures pursuant the FCRA and GBLA. In Laymans terms “I had NO idea there would be a third party involved that was actually the one financing my loan.” I was under the assumption it would be directly through Lending USA as it was not clearly and conspicuously disclosed to me that Cross Rivers Bank would be involved until AFTER I signed my contract and received my Truth In Lending Disclosure. I then reached out on the 14th (2days later) to express my concerns with the terms on my contract and to cancel the contract ( Federal and State Statutes allow the cancellation of a contract before midnight of the 3rd business day, the right to rescind) for multiple Consumer Rights violations which I can not disclose at the moment and was met with complete disregard of the law. I have reason to believe there has also been deceptive practices with LendingUSA and one good example of this is the discrepancy in loan disbursement. When I spoke to the representative about cancelling my contract she stated that the loans “had not been disbursed but your account is ready to fund” meaning I would have legally been able to cancel my contract and return what was purchased to the merchant and LendingUSA would not have suffered any financial loss, everyone would have been happy. I’ve sent multiple emails with revoking my authorization to disburse the funds due to TILA violations and material misrepresentation and was yet again met with no help. I was acting in good faith and willing to return all properties to the merchant. On the 17th I called the customer rep again and she confirmed yet again “funds had not been disbursed but your account is ready to fund”, and BOOM! 10 minutes later I received an email response ,from my request to revoke authorization. The email stated funds were disbursed on the 13th and no cancellation will be given because “you checked the box and agreed to the terms”. ARE YOU JOKING?! All this to say that Lending USA has complete disregard for the law, consumer protection, and unfair trade practices with an unwillingness to resolve matters amicably. They feel as though company policy and procedure take precedent over Federal Regulations and that is mind boggling to me. I will never do business with them again.
14. September 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Thank you for your feedback. We take concerns like yours very seriously and would like to address each point you’ve raised.
1. Disclosure of Third Party Involvement: LendingUSA operates in partnership with Cross River Bank, as disclosed in the application and loan documentation. We are committed to complying with both the Fair Credit Reporting Act (FCRA) and the Gramm-Leach-Bliley Act (GLBA). The involvement of Cross River Bank was included in the Truth in Lending Disclosure and other relevant documentation. We regret any misunderstanding, but proper disclosures were made in accordance with applicable laws and regulations.
2. Right to Rescind: Under the Truth in Lending Act (TILA), there are specific guidelines regarding the right to rescind certain types of loans. The right to cancel typically applies to loans secured by a borrower’s primary residence. Since this loan is unsecured, those rescission rights may not apply in this case. However, we operate within all applicable federal and state statutes, and the contract terms were clearly disclosed before any commitment was finalized.
3. Loan Disbursement and Contract Cancellation: Regarding your request to cancel, we understand your frustration. The timing of the disbursement followed the agreed-upon terms in your contract. Once the contract was signed on September 12th, the transaction was considered complete, and LendingUSA is obligated to honor the agreement.
It's important to note that your purchase agreement with the merchant, specifically for a dog, clearly states that returns are not allowed. This is a matter between you and the merchant, as they determine their return policies. For the loan to be canceled, the merchant must first accept the return of the puppy and issue a refund back to LendingUSA. Only once LendingUSA receives the refund from the merchant would we be able to cancel the loan. Unfortunately, unless the merchant agrees to the return and issues a refund, the loan remains active per the signed purchase and loan agreements.
4. Multiple Emails and Communication: We strive to provide timely and transparent communication. Our records indicate that we responded to your concerns within a reasonable time frame, and our responses were consistent with both our policy and applicable laws. While we understand this may not have aligned with your expectations, our team acted in accordance with legal guidelines and our internal policies.
5. Compliance with Consumer Protection Laws: LendingUSA fully complies with federal regulations governing consumer protection and fair trade practices. We appreciate your willingness to return the property, but given that the funds had already been disbursed and the contractual terms agreed to, we were not able to cancel the loan at that stage. The agreement you signed, including the checkbox acknowledging the terms, is legally binding and confirms your understanding of the loan terms, including those related to disbursement.
We value your business and always aim to resolve matters amicably. If you have any further questions or need additional clarification, please feel free to reach out. Our goal is to ensure transparency and fairness in all transactions.
Great experience!
I’m still in the beginning process but my experience with this lender has been very pleasant so far. The reps are friendly and responsive and I get answers to all of my questions. I have already recommended this lender to some friends.
30. August 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Your review is appreciated. We're glad to hear about your great experience with us so far. Thank you for recommending us to your friends!
Friendly Reps and Great Program
The reps are super friendly and helpful, and I've never felt more confident about my future financial freedom.
26. August 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Thank you for your review, Bre S! We are thrilled to hear that our reps were friendly and helpful, and that you feel confident about your financial future.
Compassionate!!!
29. August 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
We're utterly delighted to hear that you found us compassionate! Thank you for your feedback.
Highly recommend
The reps answered all my questions and didn't rush me. They treated me professionally and as experts. Would highly recommend them.
15. August 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
We're absolutely thrilled to hear about your positive experience with LendingUSA. Thank you for sharing your feedback!
Relief from Financial Burden
I want to thank you for taking the time to work on getting me out of debt as quickly as possible. The terms are fair and I am on my way to becoming debt free. Your representative was very helpful and kind to the difficult situation I was in. I highly recommend Lending USA.
19. August 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
We greatly appreciate your positive feedback, Susanne. We are glad to hear that we could help you find relief from your financial burden. Thank you for choosing LendingUSA.
The staff was great they helped alot…
The staff was great they helped alot they went through everything i needed to know explained everything had call backs had feedbacks as well i was very pleased with the staff and would recommend thank you all for everything
15. August 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
We're pleased to hear that our staff was able to assist you and provide the information you needed. Thank you for sharing your experience with us!
Lending USA really took the extra mile…
Lending USA really took the extra mile to make sure I get my loan fast. Thx!!
7. August 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Thanks for the stellar review, Susana.
Very fast with sending money
Very fast with sending money, good communication.
6. August 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
We're thrilled to hear you found our service fast and communication good. Thank you for your feedback!
Lending USA was and is very helpful…
Lending USA was and is very helpful friendly team members ready to answer any question you may have and helped me make it a smooth process would highly recommend.
1. August 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
We're utterly delighted to hear about your positive experience with LendingUSA. Thank you for recommending us!
BEWARE
BEWARE! LendingUSA forces you to use their auto draft instead of your bank’s online bill pay. Every month they receive your check on time, however, then sit on it while they send you emails and calls until you breakdown and can’t take the irritation any longer. Then when I paid the account off and overpaid by $6K, they won’t release the funds until 30 days after the check cleared. Thankfully the BBB stepped in and got them to send me my check. I would not recommend Lending USA because of their shady business practices. There are so many other better options out there.
Of course they’re going to have a crafty explanation that is well thought out, but read the other reviews and you will see how honest they really are.
15. Juli 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Thank you for taking the time to share your feedback. We understand your concerns and sincerely apologize for any inconvenience you experienced.
We appreciate you confirming that you have already received your refund of $6,309.43, which we sent to the bank account you provided. We're also glad to hear that your concern with the Better Business Bureau (BBB) has been resolved.
As previously explained, the refund process involves several steps, which can take some time. First, we need to ensure that the payment has cleared and is fully posted in our system. Once this is confirmed, the refund amount must be reviewed and approved by multiple departments, including management and accounting. After we send the payment to your bank, there is an additional processing period on their end before it is reflected in your account.
In your case, the refund process took longer because we initially did not have your bank account and routing numbers on file—only your debit card number, which cannot be used for refunds. We attempted to reach out to obtain this information, but it took several days to make contact.
We strive to provide transparent and efficient service, and we regret that this situation caused frustration. Your feedback is invaluable as we continue to improve our processes. We hope that you will reconsider LendingUSA in the future and give us another opportunity to serve you.
Thank you for your understanding.
Very smooth
They treated me very professionally and with respect. Explained everything though all phases
20. Juni 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Hi, Therese. Thanks for your review. Glad to hear you had a great experience.
Great service
Very quick. I dealt with the same person every time. He was very polite and explained everything thoroughly.
25. Juni 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Hi, Lea. Thanks for your review. Glad to hear you had a great experience.
Great Service
I received excellent service from this company. I believe the process was quick and it went seamlessly. The communication with my representative was great and I would totally recommend using them for your lending needs. Thank you Keisha
21. Juni 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Thank you so much for your kind words, Keisha. We really appreciate you taking the time out to share your experience with us.
Cheers,
LendingUSA
Very quick service and was very polite…
Very quick service and was very polite through the whole process. Would recommend to friends and family to use.
16. Mai 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Glad to know that you had a great experience.
Antwort von LendingUSA
Hi, Customer. Thanks so much for taking the time to write us a review!
Waste of time
Credit score near 700, good income, 8 yrs at both full time job and military reserve but was instantly denied for $6k…. Contrary to what they advertise they must have some ridiculous requirements. Complete waste of time!
5. April 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Thank you for taking the time to share your experience with us. We're sorry to hear that you were dissatisfied with your recent application process.
At LendingUSA, we strive to provide financing solutions that meet the needs of a diverse range of individuals. We understand that each application is unique, and while we aim to assist as many customers as possible, there are occasions when certain factors may impact approval decisions.
However, upon reviewing our records, we were unable to find an application under the name provided in your review. If you believe there may have been an error or if you would like to discuss your application further, please don't hesitate to reach out to our customer care team at (800) 994-6177 or via email at customercare@lendingusa.com. We're here to help and would welcome the opportunity to assist you further.
A Great Result, But,,,,,,…
I do appreciate the result because my consolidation loan was approved, thank you! I would suggest better communication, however. I would think that someone would give their client weekly updates of the process. I had to initiate all follow up. I was finally told that the process takes 5-8 weeks just before I received the answer last week. I do not see that any payoffs have been made so will follow up again next week.
29. März 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Thank you for reaching out and sharing your feedback with us. We're thrilled to hear that your consolidation loan was approved, and we appreciate your kind words!
Regarding your comment about communication and the loan process timeframe, we value your input and understand the importance of keeping our clients informed every step of the way. However, upon reviewing our records, we couldn't find a loan under your name with our company.
It seems there may have been a misunderstanding, as we do not offer consolidation or payoff services. At LendingUSA, we specialize in providing personal loans that are disbursed directly to you. We apologize for any confusion that may have arisen.
If you have any further questions or concerns, or if you'd like assistance in understanding your loan status or exploring any potential options, please don't hesitate to contact our customer care team directly at (800) 994-6177 or via email at customercare@lendingusa.com.
Thank you again for your feedback and congratulations on your loan approval. We appreciate the opportunity to clarify and assist you.
I have bad credit I was looking for a personal loan for a…
I have bad credit I was looking for a personal loan so I could do some pre maintenance on my car Mr Miller from leanding USA contracted me I was qualified for a loan for 40,000. I told him I have bad credit. No problem my friend he said. In the past I learned that I was going to need to put up some cash to show I'm a responsible person that has bad credit. Long story short 800. Later in still waiting for my loan for 5000.00 okay I'm a idiot. It sucks that they would take advantage of my situation
27. März 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Dear Mike,
Thank you for taking the time to share your experience, although it appears there may be some confusion regarding your interaction with LendingUSA. After conducting a thorough search, we could not locate any records or applications associated with your name in our system. Additionally, we do not have any employees by the name of Mr. Miller, nor do we engage in the practice of collecting money upfront for financing purposes.
It seems possible that your review may pertain to another company with a similar name, but we want to ensure that any misunderstandings are addressed promptly and appropriately. If you believe there has been an error or confusion, we encourage you to contact us directly at 866-212-6119 or via email at disputeresolution@lendingusa.com. Our team is dedicated to resolving any concerns or issues you may have encountered.
Alternatively, if you realize that this review is not associated with LendingUSA, we kindly request that you consider removing or amending it accordingly.
Once again, we appreciate your feedback and apologize for any inconvenience you may have experienced. We are here to assist you and strive to provide exceptional service to all our customers.
Thank you for your understanding.
loan experience
Everyone I've dealt with during this process has been exceptional! Very knowledgeable and professional.
I appreciate the help during this difficult time.
Thank you, Lynne Letzring
19. März 2024
Bewertung ohne vorherige Einladung
Antwort von LendingUSA
Hi, Lynne. Thanks for your review. Glad to hear you had a great experience.
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