LightStream Arvostelua 

Customer service? Hah! Wait times are 24 hours. Really? Call backs don't happen. Frustrating company.

I looked at the reviews for light stream I thought that was fishy that they were going to put money in my account. That is what All Day Loans did and then you pay them back with 2100 dollars in gift cards
I won’t answer the phone . I told them to cancel the loan. I also changed username and password

They are scammers. The same story as the others below. I needed an emergency loan and trusted them. They were foreign, sounded Indian. When I caught on they then told me that I didn’t get a loan deposit because they had a power outage and they would finish tomorrow. Tomorrow came and they had put more money in my account for a fee to return to them through Apple. When I said no he got mad and threatened me and said my account would go severely negative. Then screamed go get the card and hung up on me. I didn’t go and he started texting and calling. I ignored all communication. I too should have followed mine when I thought it was suspicious to have to go and send money back to them for an “ insurance fee”. They got me good and then I noticed on my account they had filled false fraud claims on my account to get more money refund for them to steal. My bank handled the issues and I’m hoping nothing else goes wrong. Please BEWARE!! DO NOT TRUST THEM!

I should’ve followed my first mind when I straight out asked him was it a scam!! It indeed was/is a scam!! I should’ve stopped then but my dumb ssa didn’t! They have all of my information and are very petty and childish!! They’re foreigners that will pretend to be someone else but it’ll be the same person you previously talked to! They’re slick! They are very rude and will threaten you! They target desperate people. Now my account is locked and idk what’s to come tomorrow. UGHHHH:( They will deposit a certain amount of money into your account and then ask for a portion of it back through CashApp or Apple Pay because it’s an “insurance fee”, whatever TF that means. When I didn’t know how to send it back through Apple Pay that’s when he flipped his sh**!! Got mad and threatened me then hung up! Then some “manager” guy texted me threatening to send the police and everything else!! At that point I told him to cancel the loan and leave me alone! I couldn’t send it back if I wanted to because the WHOLE TIME MY ACCOUNT GOT LOCKED!! I didn’t even know until I was trying to order something and it was declined, although I had MY money in there. I can’t do anything now. So now I have to wait until tomorrow which is Monday to contact my bank to see what the next steps will be!! This happened yesterday which was Sat, but I started the “loan” on Friday. PLEASE BE AWARE, DO NOT APPLY!! PLEASE DON’T!

I recently applied for a loan with Lightstream, expecting a smooth and fair process based on their advertised promises. Unfortunately, my experience was far from satisfactory. After submitting my application, they conducted a hard credit inquiry which negatively impacted my credit score. To make matters worse, I was ultimately rejected for the loan.The inconvenience and frustration of having my credit score affected without any benefit cannot be overstated. Applying for a loan should not come with such significant drawbacks, especially when there is no clear advantage gained. To add to my frustration, I was approved by a couple of other lenders right away after this bad experience, which makes Lightstream's handling of my application even more disappointing.I hope Lightstream takes this feedback seriously and works on improving their process to ensure that potential customers do not face similar issues in the future.

I have applied for multiple loans from Lightstream throughout the years, with every application resulting in a decline. I have top tier credit and employment history and plenty of assets, I believe this is now discrimination and violates regulation B of the ECOA. If you look at the reviews online, this seems to be happening to more and more people. If this happens to you I HIGHLY recommend filing an online complaint with the Consumer Financial Protection Bureau, FDIC, and your states attorney generals office. I believe lenders like these should be held accountable for their actions.

One of the worst lender and crappy experience. Tried two times and always the same crappy experience. They are very consistent in that. They always pull hard credit as opposed to soft pull just to review and then ask for all documents, income info etc and then reject with no apparent reason. The loan was rejected for the credit score of 780 and income of $300K Dont waste your time and damage your credit report.

I have excellent credit and never been late on any of my payments.That didn't matter and you offered me credit card interest on a personal loan. Just because everyone is offering high rates right now doesn't mean you should take advantage of your loyal customers. I expected better from you.

DO NOT DO BUSINESS WITH THIS COMPANY!!! In my 40 years working in the credit card business I have never conducted business with a company whose empathy, service and willingness to help their customers is as poor as this company’s. I have two loans through their company (LightStream) and have been a good customer. On a single occasion one of my payments was 30 days past due as the result of a very temporary financial hardship. I have pleaded with the company, requesting a good faith adjustment to my credit bureau erasing the 30 day delinquency in all occasions I was refused even though I provided documentation of the hardship. Every bank I’ve worked for has an internal policy that deletes derogatory information on a goodwill request to the credit bureaus EXCEPT FOR TRUIST. This company is shameless and insensitive. As a result of this 30 day past due record my credit score I have suffered and am unable to get a home loan as a result.

If I could put zero stars i would. A complete scam. Recieved a call stating i had been approved for $5 000. Was asked to verify my info. Long story short, i was scamned out if $1200. Had to close my bank account and open up another one. Oh and the kicker is, I have to pay the money back.

Don't use these people. I have a credit score over 750 and a perfect credit payment history. They consistently WASTE an inquiry on my credit report, never approve loans, so I am not sure what they are doing with such deceptive advertising -----I've owned homes, and even had a personal loan with them before, perfect history, paid off early. I hope they go out of business.

So, not to blurt my information out there, but Light Stream is beyond hilarious when it boils down to claiming I have insufficient income, when I make well over 75k a year and my wife makes 45k a year. We have a lot of our debts paid in full and my monthly take home alone is over $6500.00 a month and add my wife into the picture we clear $8400.00 a month.

Light Stream is beyond low ridiculous and as they denied me Lyon Financial approved me! Wow how backwards right... I attempted to search for a number to verbally speak with this negligent business, but of course not a single number available, but just an email.

Yeah glad I was denied by them, look at it now in how unprofessional they are. Lyon Financial actually called me to verify income, current debts if any, and etc, but this business not a single call or an email to verify anything.

SCAM 100% name of person calling me Calvin Smith, with an accent? (Probably not his real name, also phone number used 762 208 2469. I will report to FTC as bing recommended. He asked me for my bank login info! He wanted to verify my bank account with small deposit. I said No way!. The emails are very convincing, the documents perfect, the reviews from BBB or Forbes, CNBC. They almost got me. Report them! Bing was a big help with tips on what to do!

I received a call from someone saying they were from Lightstream a lady with a heavy accent. She said I was approved for 2-10,000 loan. She asked me questions verifying who I was, then she asked for my banking information, and asked if my acct was in the positive or negative. I was skeptical so I made like I was finding my bank info and hungup and blocked the #. Within 15mins someone else called me this time a male with an accent, Went thru the whole thing again, and asked for my bank info, I said why do you need my bank info 1st? I havent even been approved he said"you are already approved, we need the info to deposit the funds. I did give him my bank info(when you are desperate you'll do almost anything,even if you're skeptical) , and also becuz of the difficulty I have been having my credit score has dropped and I do have debt and he said that didnt matter. On their website it says at a least 660 score and good to excellent credit.
He then said someone would call me within 30mins to go over the paperwork so be sure to answer the call. I tried calling the # that showed up on my caller ID. The one thing that gets me with this is the #s they are calling from #s that do not receive calls, so that made me nervous.. A man did call me back, to verify the amount and who I was. Then he asked if I had an online banking with my bank, (still skeptical) I told him no... ... He said I need to call my bank and set up an online acct. and call him back within an hour, or call him tomorrow. I think the # he called from will take incoimg calls, I just called it and it just rang,, They are closed I just wanted to see what would happen. But I did not call my bank. I'm just hoping they are not going to try to take money from my acct... As much as I need this financial help, I dont think I'm going to do it...Just too nervous. I guess to me the way the whole process is done is suspicious. and it seems to good to be true..Although I do see some positive reviews and of course on their website all the reviews are 5 star...

We do not recommend this company at all. Make sure they don't try to sell your information too? 😉

No matter how hard I try or what I do I can’t login to my lightstream account!

I have over an 800 credit score and got denied! total B.S. no credit card debt what's so ever! I paid off two loans early from these people early and I guess they can't make money from me so they deny all my applications. What a joke! They want mediocre credit so they can change a higher rate.

Some agents called me multiple time in a single day, each one thinking that the more rude, agressive & loudly they spoke, they could bully me into getting my banking information! The first lady had such a heavy accent, she was barely intelligible, (and I'm biracial, so I'm not being a biggot...) and told me to stop wasting any more of her time, and hurry up and tell her my account information! Unbelievable! I wouldn't risk it, if I were you! I'm not really sure if they were actually Lightstream employees, or impersonators, phishing for banking info...

They said that I needed some kind of insurance on my money that I was borrowing. I had never heard of such a thing. I asked my bank about it and they had never heard of it either. As bad as I needed this money I took a chance on them. They put a check into my account and said the Money I was borrowing would be there the next day. My bank called and said that the check they sent in was bad and had lots of misspellings on it and someone other than myself had signed the back of it. My bank froze my accounts thanks to them. Then they had the nerve to call me at 6:30 AM to find out why they couldn't get into my account. The review I orginally read was real good about this company, now I'm beginning to think just the opposite.If I hadn't needed the money so bad I wouldn't have given them all the information.

They deferred our payments for Covid and didn’t tell us that the end date of our loan wasn’t changing so the entire amount came due with two weeks notice. They could not produce any documentation where they informed us of this. They refused to refinance because the remaining amount wasn’t large enough, they refused to let me pay it off with a credit card, then they also refused to change the date of the final draft. I had to pay to put a stop payment at my bank to give me a little more time to get the cash. Will never ever use them again. With all the lending options I really don’t know how they are in business with their extremely poor customer service.