Complaints

• Initial Complaint

  08/23/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Ok so I seen on my credit report where I owe rainbow $4,000 for a vacuum cleaner that I was told by the woman who told me to sign the papers with my ex wife that she needed my signature too and then the deal between the company and my ex wife was she works for them and makes so many sells that it was free and Im divorced from her with divorce papers that says we are responsible for our own debts. I was told that I wasnt responsible for those payments that I was just a witness when I signed them. Now my credit is garbage because of something someone else did and when I signed that paperwork I just got home from work and I was hungry and tired and I was rushed to sign something that I was told was for something completely different. ************************* is responsible for that ***** because she took the job offer and kept the vacuum cleaner not me.

  

  Business response

  09/03/2024

  ********************,
  We are in receipt of your BBB complaint dated August *******. Regarding your issue with the sales process, and subsequent promises made by Lux Air, LLC out of Tuscaloosa, **, we are a third-party finance company and are a different entity than Lux Air, and not party to the sales promotion you reference in your complaint. The concerns you have are between you and ************************* and the dealer who sold you the machine. They are an independent contractor for those transactions. You were a co-signer on this loan, and as such, you have responsibility for the debt as well.
  Please let us know if we can be of further assistance.
  
  Fastlending.com
  ************

• Initial Complaint

  12/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to express my deep concern and distress regarding the sharing of my nonpublic information with the three bureaus, leading to inaccuracies on my credit report. This has caused significant financial and emotional turmoil for me.Under 15 USC **** Section 602, I have the right to privacy, and it's disconcerting that my information has been shared inaccurately without my consent. Moreover, as per 15 USC **** Section 604 A Section 2, a consumer reporting agency cannot furnish an account without my explicit written instructions, which, to my knowledge, have not been provided.Additionally, according to 15 USC **** B, a creditor cannot treat any payment on a credit card account as late for any purpose, which raises concerns about the reporting of my account with the identifier FL21.I urge you to rectify these inaccuracies promptly and ensure that my information is accurately reported as per the laws and regulations outlined. This situation has caused immense stress and hardship, and I trust that you will take swift and appropriate action to resolve this matter.

  

  Business response

  12/05/2023

  ******************,
  
  This letter is in response to your inquiry requesting validation of debt regarding your loan with FASTLENDING.COM. After researching our records, we show that on 3/5/2021, you had a demonstration for a ******************** that was conducted by *********************, with **************************, out of *********, **.  At 2:31 pm our records show that you signed the loan documents.  One of those documents is a loan application that was completed and signed by you. That document gives Fastlending.com the authorization to pull your credit and to process payments.  Additionally, you provided us with your banking information from ***** Fargo. In reviewing your payment history, it also appears that you made at least 16 payments to us, the last one being 8/2/2022.  I have attached a copy of your Signed contract, as well as a redacted copy of your signed credit application for your review. We have followed all laws in compliance with the Fair Credit Reporting Act, and the Truth in Lending Act. Please, let us know if we can be of further assistance.
  
  Fastlending.com, LLC

• Initial Complaint

  08/31/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with FASTLENDING.COM LLC. I do not have a contract with this collection agency. They did not provide me with the original contract as requested.

  

  Business response

  09/08/2023

  We are in receipt of your BBB complaint. Our records show that on 1/24/2017 you had a demonstration for a Rainbow vacuum cleaner from ******* Distributors, out of ********, **.  Our records show several communications with you during the life of the loan, including trying to work with you and ********************, to help you with this loan. Additionally, our records also show that you made several payments on the account, using the checking account you provided. We show you made a total of $1123.20 in payments to us. The last payment on record we show was 6/15/2019, which came back as an NSF. We closed this account 2/9/2023. If you still see this reflect on your credit report, please dispute this through the appropriate credit reporting agency, and we will review and adjust accordingly.

  Thank you, 

  Fastlending.com, LLC

• Initial Complaint

  06/21/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I financed a Rainbow vacuum through the Rainbow company in 2018/2019. I signed a contract as to the monthly payments and such after about 6 months or so they started charging me a lot more with no notice of changes or anything of that sort. Got this taken care off back in 2019/2020 and the account was closed and taken of my credit as they did not follow the credit contract. Three years later they are coming at me trying to get the money after they themselves closed my account and said nothing further needed to be done. It is ridiculous that they are coming against me know. You can come get your machine just like I told you all when we parted ways years ago. This collection needs to be taken off my credit record.

  

  Business response

  07/05/2023

  **********************,
  We have received your complaint from the BBB regarding your Rainbow Vacuum purchase. Below is the response to your questions/concerns you raised.I have included several attachments as back-up as well.
  On 8/5/2019 you purchased a Rainbow from *************** out of ******, **. The payment amount shown on the contract was $89.19. I have attached the page of the contract showing this information. From September 2019 until May of 2020, you paid $89.19, just as the contract stated, at no point were you ever charged more than this amount. I have attached the payment history showing all payments made. Starting 6/6/2020 and 6/10/2020,you contacted the office and advised you would like to cancel the contract, at that time we explained that you were outside the 3-day cancelation window, and that a cancellation was not possible. Then, on June 26, 2020, you were contacted by our office, and the Same as Cash terms were explained to you. I have also attached a screen shot of that communication as well. Then, on 6/16/2020, we received an NSF/Stop Payment on your June 2020 payment. From that point on, we no longer received any more payments from you, and we received no response to any of our collection letters, and statements. We continued to try and contact you regarding this matter, until October 15, 2020, at which time we Charged-Off this account.
  We have subsequently sent your account to a collection agency, to try and collect this debt, and that is why you have been contacted recently.
  Please note that I have included your Payment History,Contract, as well as screenshots of your comment history, in which we explained this to you.
  We would be happy to discuss a settlement option with you if you so desire. Please feel free to contact me if this is something you would like to pursue.
  
  Thank you,
  
  *************************
  ************

• Initial Complaint

  08/22/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  On 8/2/2022, I called *********** to make a full payment of $3,574.74 and close my account. The representative charged me $3,754.75. I noticed what she did while I was on the phone with her and immediately let her know that she over charged me. She stated that she requested a refund of the excessed amount, and it will be returned within **************************************************************************************************************** within a few days. It is now 8/22/2022 and I still do not have my funds returned to me. I don't understand why I have not received my funds. I called today to speak to a manager, and one was not available and the representative that took my call stated that the finance team were on vacation and that is the reason why I have not received the funds. It has been 20 days since I reported this issue.

  

  Business response

  09/13/2022

   Good Afternoon, 

  We are in receipt of your complaint. We tried to process the refund for ****************, and an account number was transposed. We reached back out to ****************, and got the correct number. We have since processed the refund, and it was completed as an ACH transfer to her bank account. This has already been completed. 

  Thank you, 

   

  *************************

  Compliance

  Customer response

  09/13/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  06/01/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  My loan was paid off on 3/28/22 with check #****** in the amount of $2951 and check cleared on 4/5/22 and verified by ****** Law LLC. Pay-off amount resulted in $1034.42. I've called 5 times starting 4/27, refund was verified and I was told refund was being issued. As of 6/1/2022 I have not received refund. Just promises. Customer Service Rep was always very nice and apologetic. I need help getting my refund. It seems they routine hold on to money due customer without paying them interest. However when they are owed or payments missed customers are charged interest. There is no excuse for them routinely holding on to customers money interest free. Customers are being unfairly taken advantage of.

  

  Business response

  07/06/2022

  Business Response /* (1000, 5, 2022/06/08) */ Hi Ms. ******, I have reviewed your complaint and have the following to report. It appears that on 4/26/22, we sent a check to you in the amount of $1034.42. I checked with our bank, and to date, that check has not cleared. I will re-issue a check immediately and will have it sent to you "next day". Once I have the check, should be the beginning of the week, I will confirm with you that it has been sent, and get you the tracking number. Thanks again for your understanding, and I will get this resolved.

• Initial Complaint

  04/15/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I paid off my balance in Dec which led to an overpayment of $314.92. I have contacted them over the website chat multiple times along with an extreme amount of phone calls. They have lied to me about why I haven't received my refund multipe times. The manager is never available, always in a meeting, conference call, gone for the day, at lunch or out of the office. They said there is no other manager in that firm nor anyone else in a hire up management position. They have told me multiple times it will be in my bank account within a certain amount of time, usually 24-72 hours. They had my bank information as i was setup with autodraft yet the first reason they couldnt sent the money into my bank account is because the account number they had was wrong which took them months to figure that out. After confirming my account number it still did not go through. Called again a few days later and they said it was showing processing to expect it within 24 hours, still nothing to this day. This has been going on since December of 2021. I reached out again today and was told they would put out a "paper check in the mail sometime next week." I said I wanted to speak with the manager as i was not ok with the answer of sometime next week. I was told the manager was in a meeting and would call me back in 2 hours. I never received the call so I called back and had to leave a message as it went to voice-mail. I called back again and was told she was in a conference call to leave a message with the receptionist.

  

  Business response

  05/23/2022

  Business Response /* (1000, 5, 2022/04/20) */ Hello Ms. *****, We received your BBB complaint and I have asked the operations department for an update. They informed me that a check in the amount of $314.92 was mailed to you April 8th, 2022. Please keep an eye out for it, and please let us know if you do not receive it. I just left you a voicemail and will follow-up again to confirm you got the check. Let us know if you have any further questions. Fastlending.com XXX-XXX-XXXX

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩