KEVIN ROGERS IS SO FULL OF CRAP IT'S UNBELIEVEABLE. He calls me out of the blue asking if I'm still looking for a loan. He then just stumbles over his lies and B/S. I told him upfront I wasn't willing to pay any upfront fees and if they require any not to waste his time or mine. He reassured me there wasn't any. He then goes through his spell have me holding on to his call while he talked to his "ACCOUNTING DEPT" AND CAME BACK WITH SOME NONSENSE. It took a while for him to send me documents but when he did They were asking for my mobile banking user id and password and I let him know that wasn't going to happen been screwed already will never do that again, they took everything except $2.17. He then came up with Western Union. He said they could wire the money but there was a fee of $300, 200 from the loan company and a hundred from me. Leary as I was cause this is an upfront fee I said ok I'll take a chance. but then he wants me to pay thru one of the internet pay systems Google or Apple wallet or something and I told him I didn't have those. He then suggests I get a Messi Mastercard debit card which is practically just a gift card but couldn't keep it straight. His manager then gets on asking what the problem is and I tell him no Google wallet, no gift cards, and no debit cards. If the $100 is for WU transfer fees why couldn't I just pay WU? I said if this is legit why do I have to go out and get another way of payment? A legit company could use my Debit card thru my bank and I told them to cancel the whole thing cause I didn't trust them. His manager kept saying just get a MACYS card AND I said Kevin said Messi so neither one of them had the story right. That's Lending USA I guess trying to get over. JUST LIKE MOST OF THE FILTH AND BOTTOM FEEDERS THAT IS ONLINE LOAN COMPANIES!
DF
Damien F.
Just spoke to a couple guys from this…
Just spoke to a couple guys from this company on the phone regarding a loan that i was told i'm "guaranteed approval" for! I told the first guy i talked to that under no circumstances an i going to pay anything to get this loan, after which he assured me that i definitely wouldn't have to pay any money to get the loan. Yet when i talked to the second guy he wasted like 15 minutes of time before informing me that i would need to purchase insurance, from Them before funds would be disbursed! I made it clear to him also that I don't trust them to not just take my "loan insurance payment" & run with it yet he still blabs on & on about the insurance and how they have to protect themselves in case I don't end up paying the loan back! I'm pretty sure they're already insured themselves & therefore covered whether or not i pay back the loan (which i Was gona pay back!) On top of that, the loan wasn't actually even coming from Them, it was through a third party which makes No Sense to Me cause why would i pay Them insurance to get a loan fom someone else?? The whole thing seemed super shady to me & obviously i chose Not to do any business with them & definitely won't be in the future! Far as i can tell its a sham business out to rip people off under the guise of providing loans & i strongly suspect that all these good reviews are fake & from people paid by them!! I Definitely don't recommend doing any business with this company!!
Just look through these reviews and for example, count how many times the word "knowledgeable" is used in them and that should let you know how (il)legit these ass-clowns are! I highly doubt That Many reviewers just happened to call them knowledgeable! Especially considering how unknowledgeable the guys I talked to were!!
GJ
Gregg J.
Predatory lender
I am being overcharged. My “principal” balance reflects the entire invoice; it should be reduced by the amount I paid directly to the merchant. Customer service tries to steer me to collect from the merchant, when they received the correct amount from LendingUSA, reflecting my cash payment. The BS “Loan Origination Fee” should also be reduced to reflect the lower principal.
Predatory lender taking advantage of people in unexpected circumstances. Usury level interest rate for A+ credit.
JE
James E.
Working with citizens debt relief…
Working together with citizens debt relief screwed me wirh 21% interest loan and I cannot get in contact with anyone. Pretty sure I got scammed at this point!!!
DE
Dennis
Truly Disgusted
Once again I contacted you guys and just like that I've never been heard of.The individual that I spoke to told me I was probably being scammed, Eric Jones you were a good one.Now I'm fighting to keep from losing everything because I thought I was working with truthful individuals.
Response from LendingUSAOct 1, 2024
Hi Dennis! Thank you for reaching out. We really want to assist you, but we need a bit more information about your account to help effectively. If you could provide those details, we’d be more than happy to assist you further. Looking forward to hearing from you!
SA
Sasha
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.
Response from LendingUSAOct 1, 2024
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.
AM
Aaron M.
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.
Response from LendingUSAAug 15, 2024
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.
AS
Anthony S.
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!
Response from LendingUSAApr 8, 2024
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 [email protected]. We're here to help and would welcome the opportunity to assist you further.
