Payday loan, title loan, or personal loan -- Struggling to pay your loan -- Complaint #4992693
Complaint Overview
Complaint ID: 4992693
Company: Creditninja Lending, LLC
Product: Payday loan, title loan, or personal loan
Sub-Product: Installment loan
Issue: Struggling to pay your loan
State: Nevada
ZIP Code: 89149
Date Received: 2021-12-09T12:00:00-05:00
Date Sent to Company: 2021-12-09T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I took out a loan for {$2000.00} with the company CreditNinja. I had been a customer for several months prior and my payment history was impeccable. Therefore, when I paid a loan off they would email me and instantly approve me for another loan. At the time of this loan contract I had moved into the state of XXXX I was a prior resident of XXXX XXXX. Unbeknownst to me Credit Ninja is not licensed to conduct business in Indiana. I was never asked to confirm any of my personal information and this company still has my old address in XXXX. In XX/XX/XXXX, I lost my job and for an entire year tried to keep up with this loan and paid a total of about {$4200.00}, with the last payment of {$75.00} paid on XX/XX/XXXX. When I could not keep up with the payments any longer, I advised them I could not continue to pay and they turned me over to a collection agency in XX/XX/XXXX, to a company called XXXX XXXX ( XXXX ) based in XXXX, NV. I tried to work with this company for a least 6 months and told them I would like to try to settle for less than the balance in full and they refused me every time. The most recent refusal was today, I spoke with a manager named " XXXX '' on XX/XX/XXXX, he told me that they would settle for 50 % of {$5100.00}, which is {$2500.00}. I offered {$1000.00} to settle, which is all I can pay and that would put me in a bind, it was refused. As of XXXX, I have a collection which has been reported on my XXXX credit report from Credit ninja as the original lender and the agency is named as a XXXX XXXX XXXX XXXX, based in XXXX NV, which XXXX XXXX has advised me that they work in conjunction with, as XXXX is the client of XXXX XXXX I would like this negative mark removed from my credit report, which was put there by XXXX XXXX XXXX ( as stated by " XXXX '' the rep at XXXX XXXX ). I also want CreditNinja investigated for allowing me to lend with them as I was not in the state of XXXX when the loan was taken out and I have an XXXX ID ( attached ) issued in XXXX, as well as employment records to prove it because I was drawing unemployment in XXXX due to job loss during the time I was paying on this loan, The credit agency says that I still owe a total of {$5100.00} which is listed on my credit report, I can not afford to pay that amount, as I am a single parent supporting XXXX daughters. I would like this balance cancelled and removed from my credit report.
Frequently Asked Questions
What is Complaint #4992693 about?
Complaint #4992693 was filed against Creditninja Lending, LLC regarding Payday loan, title loan, or personal loan specifically about Struggling to pay your loan. It was received by the CFPB on 2021-12-09T12:00:00-05:00.
How did Creditninja Lending, LLC respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, or personal loan) and describe your issue in detail.
Can I see other complaints against Creditninja Lending, LLC?
Yes, visit the Creditninja Lending, LLC company profile at readthecomplaint.com/company/creditninja-lending-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.