Consumer complaint received 2021-06-17
Company: LendingPoint Holdings LLC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I needed some money, and I went on XXXX XXXX to apply for a loan. XXXX XXXX brings up a list of lenders who can provide you with a loan and what they offer. So, one of the lenders who was interested to provide me with a loan called me up and offer to give me the amount I needed which was {$10.00}. 
After I completed my application with them, they requested that I provide them with my credit card number, when I asked why? The loan officer told me that, is one of their policy to have a client 's credit card on file just in case the client miss a payment instead of sending their name to the Credit Bureau, they will withdraw the payment from the credit card. It sounds reasonable to me, so I gave them my credit card number. 
The next thing I know, they deposited these amounts of XXXX XXXX CARD XX/XX/XXXX {$1400.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$2700.00} XXXX XXXX, XX/XX/XXXX - {$480.00} XXXX  XXXX - {$2000.00} XXXX  XX/XX/XXXX - {$1000.00} XXXX  XX/XX/XXXX - {$1000.00} XXXX XXXX XX/XX/XXXX - {$500.00} XXXX XXXX XX/XX/XXXX - {$1000.00} XXXX  CREDIT CARD XX/XX/XXXX {$1300.00} XXXX  XX/XX/XXXX - {$500.00} XXXX  XX/XX/XXXX - {$1000.00} XXXX XXXX. XX/XX/XXXX - {$1000.00} XXXX BANK XX/XX/XXXX {$1200.00} XXXX  XX/XX/XXXX {$500.00} XXXX  XX/XX/XXXX {$1000.00} XXXX XXXX. XX/XX/XXXX {$1000.00} XXXX XXXX CHECKING XXXX  XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$1200.00} XXXX  XX/XX/XXXX {$1000.00} XXXX XXXX did refund, me the amount of {$2200.00} THE LOAN OFFICE BY XXXX XXXX, explained to me that, the deposit was for them to pay the credit bureau to bring my credit score up, and that's one of the ways they help people out there. After which, they said, I will have to buy gift cards with the money and send it to them because, that's how they pay the credit bureau. So, they put me to work for them, I was buying the cards none stop. I got tired and asked them to show where in the application, I signed in addition to the loan I was going to be their employee? XXXX replied that, my credit score is too low and if they don't bring it up, XXXX will not approve my loan. And he added that if I stop buying of the gift-cards, all the checks will return back to them. I refused. The next day, the credit card companies started sending me letters of return checks. When I asked them, they blamed me for not cooperating with them. I asked them where is the loan, they have been promising to deposit in my checking account? The loan XXXX told me they were still working on it. Each time, they will make me sit on the phone for hours waiting for the loan to be deposited into my account, but to no avail. I finally realized ; this was all scammer pretending to be loan officers then it was too late. They had already scammed from me the amount of {$13000.00}. 
I tried to explain my situation to the credit companies, none of them were willing to listen, but they requested that I pay all the money because I was the one who did the purchasing, and this was not recognized as fraudulent. I CANT BELIEVE THEY CALL IT A TRICK, NOT FRAUDULENT. 
These people take advantage of the needy, because if I did not need a loan, I don't think, I would have come across these scammers. 
My problem is, I need CONSUMER FINANCE TO HELP ME talk to these Credit Card Companies who are urging that I must pay all of this amount of money. I can not afford to pay this urge amount of money, if I had money, I won't have gone for a loan in the first place, and I did not invite these scammers to come and steal money from me. 
These credit cards companies fail to understand that, we are all humans and we are not immune to making mistakes in life. I can not kill myself, nor go bankrupted because I have to come up with money to pay the banks back unfortunately. 

LENDING POINT XXXX Email - XXXX Tell : ( XXXX ) XXXX Address : XXXX XXXX XXXX # XXXX XXXX, GA XXXX Unfortunately, am using my work computer and do not have any evidence to summit. Thanks for your understanding. 
Can you help me please?

Company response to consumer: Closed with explanation