Consumer complaint received 2021-04-06
Company: Kashable LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was applying for a loan with this company called Kashable they advertise their service to federal employee needing a loan. So during the process i had to submit documents to verify my identity which i did and they verified my information. I proceed to do application for the loan which i did. during the process i filled out the information and then i got to the page where i was to put my checking account information in the system. I put my checking account information and i when i hit update the system gave me a red banner that clarify service could not verify my checking account. I thought because the bank use was XXXX bank since XXXX became their own bank i thought maybe there were issue with the routing number so i did remember that XXXX used XXXX XXXX as their partner bank i used my old account thinking it was the problem, when i hit update the red banner appear again from clarity service. So i reached out to Kashable which i talk to gentlemen about the red banner he explain to me that clarity flag my profile because it either could not verify the bank information and or that i had overdrawn my account. I inform the agent that XXXX was in good standing and i don't overdraw this account. then the representative explain to me that the second account i put in which was XXXX XXXX  that there may have been issue with that bank. I inform him that bank would not allow me to overdraw my account either. He than told me to contact XXXX XXXX which is the company that flag my account. I contact XXXX XXXX and received my report and i was going threw my account i could not see anything that would red flag my profile in which i talk to XXXX XXXX, they inform me that they are not the ones that would deny or approve my application that i need to reach out to them. I reached out to Kashable once again and the next agent i spoke with me told me that something in XXXX XXXX was flagging my account as a high risk. I than try to get a better understanding of what could flag my account the agent explain that could be numerous reason but spoke in general terms which i understood. the agent stated that it could be XXXX XXXX could not verify my account, or that i had some overdrawn account from another institution. I than went on explaining that could be that XXXX is a new institution that just established to be a bank. I explain to the agent that there were other companies that had issue with the routing number. the agent stated that could be a reason and that they don't accept prepaid account which i replied that its not a prepaid company. the agent stated that i need to reach out to XXXX bank to make sure the routing information was correct. the agent also explain that the application could not move further until XXXX XXXX was resolve. I stated ok that is when reached back to XXXX XXXX to getting a better understanding of this high risk issue that was told to me. Since i did not know how to read the report i was explain what i see is the same thing the lender and agent that i spoke to can see. The report as i was going over with did not have anything that would flag my system. So i turn around and spoke with my bank and they stated that the routing number is correct. So i than went to kashable website to see if i could put the account information again and to my surprise i had a status that application was denied due to credit. I was confused so i reached out to kashable once again and spoke with a different agent who inform me that application was denied. I ask how can it be denied when XXXX XXXX issue was not resolved and i told the agent what i was told by the previous agent. the agent began to tell me that they use the XXXX XXXX information and that it was denied due to credit. I was upset because they mislead me and told me that i need to resolve the XXXX issue and they went behind my back and submitted the application. I was also told that there was second application that was submitted and that is why the application was denied. I told them that i did not submit another application because of the first issue that was inform to me. So i ask the agent if these calls were record and the agent stated yes and explain to the agent that i wanted to speak to a supervisor because this violated me. the agent stated that they would have a supervisor call me back before the end of the day. XX/XX/2021 i received a phone called about an hour later and i thought was a supervisor which was the same agent that i requested a supervisor. the agent explain to me that their were two application that was submitted and i explain that i did not do a second application because of the first issue. I went back and forth with this company and with clarity trying to resolve the issue. the agent just stated that we can send you a denial letter out if you want and i stated no because you violated your own policy and that i wanted to speak a supervisor still refuse to send me to a supervisor. I feel that they have violated me as a person as well as my information as they had no right to submit my application without resolving the XXXX XXXX. This company is a joke and the way they treated me as person they did not take my concern very serious. I mention that i would be looking into a consumer attorney as this issue is a serious issue. I am not sure what power they have to tell me one thing and do another. This is the reason why fraud happens and they have misrepresented themselves as a lender and they have caused me unnecessary stress and hardship because they gave me the run around and i was going back and forth with Kashable and XXXX XXXX. This company needs to understand that they can't do what ever they want without any consequences. I am not even mad they denied my application but i am very displeased the way they handle the issue as they have not resolve the issue or have taken any corrective measure to rectify this issue. I know have a hit on my credit and they lied about what they did and they miss lead me as a consumer.

Company response to consumer: Closed with explanation