LightStream Arvostelua 

If only I would have found these reviews first before applying - like others have said, run, don't walk, away from Lightstream. They'll rip your credit then give you a denial letter despite an impeccable credit portfolio and loan packet.

I was recently denied for a loan, I would appreciate it if all of my information could be deleted from your database(s), as I do not consent to the sale of my personal information.

I have two personal loans total to $10k. Both in good standing. I got lured in with Lightstream’s “competitive rate”. I decided to give it go for a refinance with lower rate to save some money. Still I got deny even with a credit score of 760+. What a waste of hard inquiry on my credit report.

Don’t waste your time and ding on your credit score. The competitive rate is a scam.

This company is a joke!!!! Do not do business with them and use SoFi instead!

Do not waste an inquiry on your credit. This company makes it seem like you are a preferred customer if you have used them in the past. I had a loan with them, paid it and was always in good standing. They send me mail saying I have preferred benefits. Doesn't seem like it, with a credit score above 800 they wasted my time and inquiry with a rediculous interest rate. Thanks for the lesson.

Date: Wed, Apr 9, 2025 at 5:23 AM
Subject: This is what Light Stream completed by stealing funds after they were paid in full
To: manori.dockery at Truist dot com

Thank you for your phone call yesterday, ( at 8:28 a.m. from 828-275-2420) it was very in lighting how you confirmed how dishonest, unfair, unprofessional, corrupt, greedy, ruthless (did I leave anything out?) Truist Bank, Light Stream Bankster and a company in have never heard of Truist Consumer Lending Service.

But the very important issue you admitted that Light Stole money from my account after Light Stream had full knowledge of the payment being made on March 14, 2025 and the reasoning is because the computer program designed by Truist Banksters, dishonest Light Stream, (which is a store front for Truist Banksters), is set up to take the moneys without acknowledging any payment that had already been made, accounted for, clear the Truist Bankster, Light Stream Bankster account, accounting practices.

The Truist Bankster, store front Light Stream Bankster would not change the interest back to the ½% less because Truist Bankster had lost control over my account plus had cause damaged to me from other Companies because of these ruthless unprofessional action all design by the Truist Bankster, Light Stream Bankster, plus another Company that writes check for Truist Banksters and Light Stream Banksters computer programs.

Thank you very much you have confirmed that the Truist/Light Stream Bankster of all these Companies are one sided and will not be responsible for their actions or for the dishonesty unprofessional ruthless greed corrupt acts.

You as a Human being should be embarrassed by this action, but you were proud of these actions, that is why you personally tried your very best professional BS, until I had enough of your own BS.

I will be putting this information on several website so future Customer will understand how Truist Bankster, Light Stream Bankster, are very proud of the corrupt computer program written by the same Bankster to stealing after they have already been paid and are very proud of these actions and do not give a dam about the Customers.

Truist Bankster did not respond in writing because ethe letter was 100% true and accurate of the BANKSTERS.

DO NOT respond or calling me again. I know after talking with you yesterday it will be full of dishonest statements and lies.


Sincerely,
Jim Becker


DO NOT respond or call me again. I know after talking with you yesterday it will be full of dishonest statements and lies.


Sincerely,
Jim Becker

Light Stream has never responded before because they would have to prove more dishonest, greed, ruthless action

I'll preface this review with the admission that I was just turned down by LightStream, both single & joint applications, for a measly $5000 - the lowest amount that you can request. My credit score, and that of my co-applicant, were in the upper ranges of "good". I will say that I took out a $13k RV loan with them back in 2018 without any issues - however, they were owned by SunTrust. I managed to pay off that loan EARLY. I recently received an offer letter from them as a "previous customer". Needing a small Home Improvement loan, I applied as mentioned above, Being an IT Professional for 25 years, I will say that their website design & functionality is sorely lacking. If you get "declined" for whatever reason - perhaps you have a "credit freeze" at one of the big 3 credit bureaus - you have to start all over again with the application process - up to and including creating a new user account & password each time - not good at all. LightStream does have a reputation for hard to get approval from - in spite of the "marketing" on their website. From my experience, I'll say it's well earned.

THIS IS A SCAM!!! LIGHTSTREAM AND LENDING TREE LLC... trying to confuse people to believe they are Lending Tree, Inc. They sent over fraudulant documents with all kinds of spelling errors and then ASK YOU FOR YOUR BANK LOG IN INFO INCLUDING YOUR PASSWORD. If you dont give them that they get real nasty. They keep calling so I just started giving the false information so they could confirm it was me and some how every time they confirmed it was me. I think I got tangled into this web of a mess from using the Rocket App to track my finances and it was a link on there i clicked. DONT FALL FOR THIS BS.

After informing them I did not want a loan. They proceeded to call me 4 times in an hour. In my opinion this is a scam

I contacted this company for a startup loan for my new business. With a credit score of 780 and no negative remarks, along with minimal credit card usage and only a mortgage payment, I thought I was a strong candidate. However, after weeks of back-and-forth and requests for documentation—which I understand is standard—they ultimately denied my loan without providing a clear reason. The denial email stated it was due to their inability to pull a soft credit check, which turned out to be because they had my birthday wrong.

When I inquired about the issue, I expected a call or a letter, but received no response. I was told to submit a new application, which I did. I offered to unlock my credit for the soft pull, and an hour later, I received another denial. Again, no specific reason was given, just a reference to the denial notice. Upon reviewing it, I saw it mentioned an issue with the TransUnion report, despite my TransUnion score being 780.

When I reached out for clarification, I encountered a rude representative who told me to refer to the denial notice once more. It feels like this company is just stringing people along. They collect personal information but fail to provide the promised assistance. They often advise against using personal finances for business, which is what I should have done from the start. Now, I have multiple inquiries on my credit report that they assured me wouldn’t happen.

I've filed a complaint with the Better Business Bureau and plan to leave a review on their site as well. This company is unreliable, and I wouldn’t trust them with any of my personal information.

I have been a customer for a long time. I have excellent credit and I have paid back almost three loans. The last one was a truck loan, that I paid off in full within 2 months. I have tried for 2 weeks to get a truck refi and they just will not do it. They do not appreciate loyal customers. I am so disappointed with them.

They call and say they have a buyer for part of a Timeshare I own. Then they ask for money, which they say is only for two things. Two things become four. They send you copies of certified bank checks. You will receive by FEDEX. Never happens. They use the names, Brian Berry, Adrian Morgan and Richard Wakefield. Berry is the one who makes initial contact, Then Wakefield and then Morgan.

So far, all I can say is that they make a lot of non-fulfilled promises. They are still at it.

This company asks for your bank account info including your password to access and withdrawl your money. They do not need your password. This company is a joke. Do not do business with them unless you are looking to hit rock bottom financially.

DONT DO Business with this FAULTY company.

About one week ago, I received a call from someone claiming that they were calling from LightStream Finance telling me that I was eligible for a loan. Believing that this was a legitimate company with a legitimate application process, personal and banking information was taken over the phone. Afterwards, I was told to input information into the bank verification portal that was accessed via a link that was emailed to me. on the portal, I provided my name, social security number and phone number, the name of my financial institution, the user name and password to the mobile application. I was also told by this gentleman that a small amount would be deposited into the account to verify the account and that I had to go send it back. I was also told that by doing this, this would increase my credit score. Well, the amounts deposited into my account were returned back via making payments at Walmart off of my debit card. I was informed by one of my creditors that a payment made three months ago was reversed, and it was then that I discovered that several payments taken out of my checking account were reversed. On top of that, two checks were deposited into my account that turned out to be fraudulent and a third check is being held for a week by the bank for verification. The fraud was reported to my bank and my local law enforcement agency. The bank tells me I am on the hook for nearly $1000 from the fraudulent checks and how I have to go back to those I paid bills to out of my account and explain the fraud and I have put in a complaint to federal agencies as well.
Beware of those purporting to work for this company.

Absolutely a waste of time. My credit over 800, solid income, 2 mortgages paid off on credit and yet still they declined with 0 reasons. I am ideal applicant that a bank wish to have all day long for a loan. I was able to get approval with 2 other lenders same day without any issues. Very disappointed.

Don’t ever use lightstream. They don’t do soft pulls to see if your qualify first and they don’t automatically offer lower amounts for what they can approve you for. In addition after they denied me twice since I lowered my requested amount to half. I was immediately approved by SoFi for a large amount. What did SoFi see that LightStream didn’t?

I bought a new car and paid off this loan. My payments to them were at the beginning of every month. This company took out a payment on the day the loan with them settled in the middle of the month, two weeks before my scheduled payment. Then they took out ANOTHER payment the beginning of the next month. When I called and asked them to stop making payments I was told it was their policy to get a stop order from me (BS) and that it would take ten business days before they issued a refund check. This is all about them getting interest off of my money. They STOLE my money is what it amounts to, then they expect me to come after them to get it back. Totally scammy, bad banking behavior.

I was instantly approved for a 22,000 personal loan. I called them the next day cuz I accidentally picked the wrong loan type , I was told to submit a new application and it would be fine… well I did that and then they contacted me wanted all this information that they didn’t ask when I was already approved for the money…they wanted my bank statements , w-2’s,tax returns, etc. I told them , I’m not buying a dang house, it’s a personal loan , you don’t need all that. My credit score is 772 and I already have a loan with y’all with perfect payment history. I sent them my proof of income and bank statements , then was denied , their reasoning was they could only verify half of my income 😂😂😂. What a joke ! We own a business , and my bank statements clearly show our income .

Application was easy but they moved the date they paid me after we agreed on a day. They don't do same day payments. It can take 4 days for them to receive your payment. What bank can't take an electronic payment in a day or 2? I could send a check in the mail at that speed.

I was looking for an online loan when I got a call from this company. I had to give them my routing & account number so they could make a deposit, he told me his manager would call me in 30 min, call never came so I called the number that he called me from, it was already disconnected. On my way to close my account & open a new one. Minto Money & WithU Loans are good. They do a deposit the same day & deduct from your account on payday & their customer service are great to work with. If you're in a pinch, both are great. I've borrowed $200 to $800 with no problems at all.