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READ THIS, KNOW WHAT YOU'RE GETTING INTO
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LendingUSA is either a SCAM COMPANY WHO IS GOING TO STEAL YOUR INFORMATION, A COMPLETELY UNPROFESSIONAL AND RUDE COMPANY, OR BOTH. This experience has pretty much set me off of getting any type of loan all together, outside of the major banks that is. I AM ASTOUNDED AT WHAT I HAVE BEEN THROUGH WITH THIS GROUP OF PEOPLE THAT CALL THEMSELVES A BUSINESS. The process was extremely stressful and exhausting because of how they act throughout and I was naïve to keep going with it.
At every single step, they tell you that it’s the last but that’s not even close to true. To start off everything was going well; I got pre-approved instantly online with a soft credit inquiry. Then came photos of myself and my ID which they asked me for several after the initial. Then there was account verification which would have been simple but their system fails sometimes and didn’t show anything correctly. They asked me for more accounts and a blank check (which I voided, thank goodness). Then they made me wait only to send a generic email from the LendingUSA general email account saying I was denied when the underwriter told me explicitly I would get a call from the loan agent I had been dealing with.
I called the loan officer, Manuel Silva and I asked if my information would be safe and how did I know that they didn’t just make me do the whole process to steal my info. Why would they not tell me I’m not eligible since the beginning when they saw my income on the initial application? Manuel started laughing and wouldn’t answer my questions. They were so interrogative and rude during every phone call. He could barely think of a reason I was denied. My income was exactly as I said since the beginning and still they said that it was the reason they couldn’t approve the loan.
THE WAY I WAS TREATED AS A WOMAN WAS UNACCEPTABLE AND HORRIBLE. They made me lose my time and spend my energy as well as waste a hard credit inquiry. I just can’t believe that I spent so much time doing this while I could’ve been dealing with a reputable bank. I DON’T SEE ANY ADVANTAGE OF APPLYING FOR A LOAN WITH AN UNREALIABLE AND UNTRUSTWORHTY COMPANY. Never do business with them! The only thing using this company would accomplish is give you stress. If I was treated this way since the beginning, I’m glad I didn’t have a loan with them because imagine how they treat those who owe them money!
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