Credit card -- Problem when making payments -- Complaint #8081330
Complaint Overview
Complaint ID: 8081330
Company: Lendingpoint Holdings LLC
Product: Credit card
Sub-Product: Store credit card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: North Carolina
ZIP Code: 28110
Date Received: 2023-12-29T12:00:00-05:00
Date Sent to Company: 2023-12-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX contracted with XXXX XXXX to handle financing but in XX/XX/XXXX they switched over to LendingPoint. I have a current account with XXXX XXXX that was transferred to LendingPoint. Supposedly an email was sent by XXXX and a letter was mailed. We received neither one. I finally received a phone call 89 days after the payment was late. It was previously an autodraft. I requested an email so I could login and make a payment. Their website shows I'm behind {$2900.00} in one screen but my monthly payments are only {$180.00} and only 3 months missed. Another screen has my interest rate wrong, another screen shows the payment as {$180.00} and another screen shows the three payments, {$180.00} for XX/XX/XXXX, {$200.00} for XX/XX/XXXX and {$19000.00} for XX/XX/XXXX. Also, it shows my interest rate of 9.24 % and my interest rate is 4.99 %. I'm now being told their website is down, even though I can login, setup autodraft, and see account information. At one time on the phone, I'm told I can't pay online and then when I refused to give credit card information to a person on the phone, then all of the sudden I could pay online. When I requested paper statement, I'm also being told that they are paperless and can not provide this information. It's very deceptive that I can not get a monthly statement mailed or view a correct one online. Also, getting conflicting information from the same person on the same phone call, is very deceptive.
Frequently Asked Questions
What is Complaint #8081330 about?
Complaint #8081330 was filed against Lendingpoint Holdings LLC regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2023-12-29T12:00:00-05:00.
How did Lendingpoint Holdings LLC respond to this complaint?
The company responded with: "Closed with explanation". 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 (Credit card) and describe your issue in detail.
Can I see other complaints against Lendingpoint Holdings LLC?
Yes, visit the Lendingpoint Holdings LLC company profile at readthecomplaint.com/company/lendingpoint-holdings-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.