Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: NC

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and as a federally protect consumer I have been violated by LendingPoint LLC for several reasons. On XX/XX/XXXX I contact LendingPoint LLC regarding a payment that was made on XX/XX/XXXX in the amount of {$97.00} for account # XXXX that did not show withdrawn from my debt card ( XXXX ). According to LendingPoint LCC rep XXXX ( XXXX? ) he stated that payment for {$97.00} was submitted to a different bank account ( XXXX ) and that payment was denied, I immediately paid the amount again for {$97.00} for account # XXXX, and requested that the previous payment be investigated because I know I used debt card ( XXXX ), and that bank account it was submitted to no longer existed, and it had to be computer error or some kind of computer glitch. After not hearing back from LendingPoint LLC within the XXXX time frame of what was given to me, I contacted LendingPoint LLC again on XX/XX/XXXX around XXXX XXXX  I first spoke to XXXX, and then was transferred to XXXX ( team lead ), about my first complaint and all of these phone calls Im receiving about the late payment. Again, nothing was presented or acknowledged about my concerns as a consumer, XXXX was rude, she insisted on speaking to me about a late payment, but nothing about the XXXX errors that was made on LendingPoint LLC portal. During the same time, I also noticed another error with the same payment of {$97.00} that was made on XX/XX/XXXX for account # XXXX, it showed applied to my other account # XXXX, which was incorrect! I explained to XXXX XXXX who expressed no care ) that my payment for {$97.00} on XX/XX/XXXX was applied to the wrong account, so I filed another complaint to add to the previous complaint so this can be fix. Of course no one contacted me regarding both complaints, I only received phone calls about a late payment, but nothing about my complaints in correcting the {$97.00} applied to the wrong account # XXXX! On XX/XX/XXXX I called LendingPoint LLC again, on this day I spoke to XXXX people XXXX, XXXX, and XXXX ( a supervisor ). XXXX stated that someone called me on XX/XX/XXXX which I didnt believe him because my phone did not show no call or any missed from that day. XXXX also stated that he could not find any records, or no phone calls that show I spoke to someone on XX/XX/XXXX, again this is a lie, unless someone deleted that call and that complaint. This entire issue has been a nightmare with LendingPoint LLC staff, on top of everything else I got going on in my life and the world, who need this! This is terrible business that I have to go back and forth with LendingPoint about my account # XXXX not being handled correctly! Instead of, LendingPoint LLC reps helping with this matter, their only concern was to judge and ridicule me about a late payment! None of LendingPoints LLC reps, team lead, or supervisor, showed no concern, no empathy, no apologizes, just plain rudeness. I have been violated under : Electronic Fund Transfer Act- 12 CFR 1005.33 - Procedures for resolving errors ( a ) ( v ) The sender 's request for documentation required by 1005.31 or for additional information or clarification concerning a remittance transfer, including a request a sender makes to determine whether an error exists under paragraphs ( a ) ( 1 ) ( i ) through ( iv ) of this section, and ( b ) Notice of error from sender ( 1 ) Timing ; contents. A remittance transfer provider shall comply with the requirements of this section with respect to any oral or written notice of error from a sender that : ( iii ) Indicates why the sender believes an error exists and includes to the extent possible the type, date, and amount of the error, except for requests for documentation, additional information, or clarification described in paragraph ( a ) ( 1 ) ( v ) of this section. 12 CFR 1005.11 Procedures for resolving errors ( a ) ( vii ) The consumer 's request for documentation required by 1005.9 or 1005.10 ( a ) or for additional information or clarification concerning an electronic fund transfer, including a request the consumer makes to determine whether an error exists under paragraphs ( a ) ( 1 ) ( i ) through ( vi ) of this section. ( b ) Notice of error from consumer ( 1 ) Timing ; contents. A financial institution shall comply with the requirements of this section with respect to any oral or written notice of error from the consumer that : ( iii ) Indicates why the consumer believes an error exists and includes to the extent possible the type, date, and amount of the error, except for requests described in paragraph ( a ) ( 1 ) ( vii ) of this section. And ( c ) Time limits and extent of investigation ( XXXX ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within XXXX business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.

Under 15 U.S. Code 1693f - Error resolution ( a ) Notification to financial institution of error if a financial institution, within sixty days after having transmitted to a consumer documentation pursuant to section 1693d ( a ), ( c ), or ( d ) of this title or notification pursuant to section 1693d ( b ) of this title, receives oral or written notice in which the consumer ( 3 ) sets forth the reasons for the consumers belief ( where applicable ) that an error has occurred, the financial institution shall investigate the alleged error, determine whether an error has occurred, and report or mail the results of such investigation and determination to the consumer within ten business days. The financial institution may require written confirmation to be provided to it within ten business days of an oral notification of error if, when the oral notification is made, the consumer is advised of such requirement and the address to which such confirmation should be sent. A financial institution which requires written confirmation in accordance with the previous sentence need not provisionally recredit a consumers account in accordance with subsection ( c ), nor shall the financial institution be liable under subsection ( XXXX ) if the written confirmation is not received within the ten-day period referred to in the previous sentence. ( b ) Correction of error ; interest If the financial institution determines that an error did occur, it shall promptly, but in no event more than XXXX business day after such determination, correct the error, subject to section XXXX of this title, including the crediting of interest where applicable. ( d ) Absence of error ; finding ; explanation If the financial institution determines after its investigation pursuant to subsection ( a ) or ( c ) that an error did not occur, it shall deliver or mail to the consumer an explanation of its findings within XXXX business days after the conclusion of its investigation, and upon request of the consumer promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. The financial institution shall include notice of the right to request reproductions with the explanation of its findings. 15 U.S. Code 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
Another unhealthy issue I experienced with LendingPoint LLC were the extreme volume of calls I received regarding a late payment, but no calls came through regarding my complaints. On XX/XX/XXXX the same day I spoke with XXXX ( a supervisor ) regarding those complaints, I gave him a verbal consent to place me on the do not call list, however I still received XXXX phones calls on XXXX, and XX/XX/XXXX after I gave my verbal consent, this is a violation under 12 CFR 1006.6 - Communications in connection with debt collection. Whats really bothersome, is that the phone call I received on XX/XX/XXXX was the same rep XXXX ( XXXX ) I spoke to on XX/XX/XXXX about the payment error and when I made that first complaint. I asked are you calling me about my complaint, he said no its about my late payment, then he hung up. After that call, I immediately contact LendingPoint LLC around XXXX XXXX  spoke to XXXX, who then transferred me to XXXX who hung the phone up on me, I immediately called back spoke to rep XXXX who transferred me to XXXX, while again explaining the problem she hung up on me too! Both of these calls were less than XXXX minutes ( I have proof to show these calls ). I know I presented myself on each call, calm with a respectable approach. This is why filed those complaints ; theres no way on this earth that I should be treated like this or have experienced this type of behavior from these so-call business customer service professional. This is a violation under 1006.14 Harassing, oppressive, or abusive conduct- ( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section. ( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 2 ) Telephone call frequencies ; presumptions of compliance and violation. ( i ) Subject to the exclusions in paragraph ( b ) ( 3 ) of this section, a debt collector is presumed to comply with paragraph ( b ) ( 1 ) of this section and FDCPA section 806 ( 5 ) ( 15 U.S.C. 1692d ( 5 ) ) if the debt collector places a telephone call to a particular person in connection with the collection of a particular debt neither : ( B ) Within a period of seven consecutive days after having had a telephone conversation with the person in connection with the collection of such debt. The date of the telephone conversation is the first day of the seven-consecutive-day period. 15 U.S. Code 1692d - Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
I XXXX XXXX is truly aware that I owe LendingPoint LLC, and although I am a dislocated worker, I still have been faithfully paying LendingPoint LLC ( within the 30 days time-frame )! Theres no way, I the consumer should have experienced this type of behavior from LendingPoint LLC staff, this has affected me in so many ways mentally, emotionally, and spiritually, something must be done about this ASAP! I have enclosed documentation to show as of today the error still havent been taken care of, which this will show up again on my credit report as 30 days past due!!!

Company response to consumer: Closed with explanation