Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:05/19/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Liberty First Lending has contacted me unsolicited numerous times via phone and email to sell me a personal loan I have no interest in. My number is on the National Do Not Call Registry, yet they contact me. I have requested numerous time to cease contacting me and be added to their do not contact list which has not been honored. I want this company to cease any and all communication with me immediately.

  

  Business Response

  Date: 05/21/2025

  Liberty First Lending (Liberty)is in receipt of  Mr. ********* BBB complaint.  We appreciate the opportunity to respond to his concerns.
  We sincerely apologize for any inconvenience Mr. ******** has experienced. His contact information was included in a marketing list based on pre-screening criteria.
  Per his request, we have added *********** to our Do Not Contact list and have removed his information from all future marketing campaigns, including phone calls, emails, and direct mail. We take these requests very seriously and will ensure that no further contact is made.
  To help prevent future unsolicited pre-screened offers from other companies, Mr. ******** may also opt out through the major credit bureaus by visiting *********************** or calling **************.
  We appreciate Mr. ******** bringing this to our attention and remain committed to honoring his request and improving our processes.
  

  Customer Answer

  Date: 05/21/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ******* ********
  
   
  

• Initial Complaint

  Date:05/19/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This organization has repeatedly called me, from different numbers over the past several weeks. The messages they leave, are all very similar, along the lines of "I have your loan file on my desk ready for approval, I just need to go over the details with you and confirm information... please call back at ************"On the occaisions I've answered the phone, I have asked to be removed from their call list and been assured I would be immediately removed, yet calls persist.Please note: I have applied for no loans from anyone over the past 2 years. i am on the National Do Not Call Registry. I have never done any business with Liberty Lending. Therefore, there calls to me are also in violation of *** regulations. A complaint is also being lodged with the ***. I will allow 24 hours from this complaint for Liberty to react, after which, any further contact will also be reported to the office of the Pennsylvania Attorney General for possible legal action.

  

  Business Response

  Date: 05/21/2025

  Liberty First Lending (Liberty)is in receipt of  Mr. ****** BBB complaint.  We appreciate the opportunity to respond to his concerns.
  We sincerely apologize for any inconvenience caused. Mr. ****** contact information was included in a marketing list based on pre-screening criteria. While these criteria are intended to identify individuals who may benefit from our services, we understand and respect that Mr. ****** does not wish to be contacted.
  Per his request, we have added his information to our internal Do Not Contact list to prevent any future communicationsby phone, email, or mail.We take these requests seriously and will ensure that all reasonable efforts are made to prevent further outreach.
  Additionally, to help stop future pre-screened offers from other institutions, Mr. ****** may contact the national opt-out line at ************** or visit ***********************, a service provided by the major consumer credit reporting companies.
  We hope this resolves the matter to Mr. ****** satisfaction, and we remain committed to honoring his request.

• Initial Complaint

  Date:04/28/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Please stop sending me junk mail. I get at least one piece of mail a week from you for a pre-approved loan that I do not want. This has been going on for months and all I do is shred what you mail to me. Please take me off of your mailing list ASAP.

  

  Business Response

  Date: 04/29/2025

  Liberty First Lending (Liberty) has received BBB Complaint ******** from Ms. ******** and appreciates the opportunity to respond.
  Ms. Tindalls information was included in a marketing campaign based on pre-screening criteria.   

  If Ms. ******* wishes to ensure that her name is removed from all pre-screen marketing lists, she can call ************** or visit ***********************

  As a result of her complaint, Ms. ******* has been added to our internal Do Not Contact list. We have taken steps to ensure she will no longer receive phone calls, emails, or postal mail.
  

  We hope this resolution addresses her concerns, and we appreciate her bringing the matter to our attention.
  

  
  

• Initial Complaint

  Date:04/16/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Liberty First continues to call multiple times a day from various different numbers. I have attempted to block these numbers, but every 3 hours they call from a different one. Please make it stop! I have not done business with these people, and will never do business with them after this!

  

  Business Response

  Date: 04/25/2025

  Liberty First Lending (Liberty) has received BBB Complaint ******** from Ms. ****** and appreciates the opportunity to respond.

  We sincerely apologize for the inconvenience and frustration caused by the repeated phone calls.

  Ms. ***** information was included in a marketing campaign based on pre-screening criteria. However, we understand how disruptive these calls have beenespecially with the use of varying phone numbersand we take her concerns very seriously.
  

  As of the date of this response, Ms. ***** has been added to our internal Do Not Contact list. We have taken steps to ensure she will no longer receive phone calls, emails, or postal mail.

  
  We hope this resolution addresses her concerns, and we appreciate her bringing the matter to our attention.
  

  
  

• Initial Complaint

  Date:03/18/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Liberty First Lending is engaging in predatory mail offer practices. Their envelope states Violation Punishable by Fine or Imprisonment, and Dated Material: Open Immediately. This is wrong to scare people into opening their unsolicited mail offers.

  

  Business Response

  Date: 03/25/2025

  
  
  Thank you for bringing this matter to our attention. We understand that receiving mail with certain language on the envelope caused ************ concern, and we sincerely apologize for any distress this may have caused him.
  
  Mr. ******** name was included on one of our marketing lists, which led to him receiving this communication. The language on the envelope, referencing 18 USC 1702, is a simplified version of a federal regulation. Its purpose is to protect mail recipients by discouraging unauthorized persons from tampering with their correspondence. We want to assure Mr. ******* that the language was not intended to be threatening or deceptive.
  
  For context, the full text of the regulation reads:
  
  Whoever takes any letter, postal card, or package out of any post office or any authorized depository for mail matter, or from any letter or mail carrier, or which has been in any post office or authorized depository, or in the custody of any letter or mail carrier, before it has been delivered to the person to whom it was directed, with design to obstruct the correspondence, or to pry into the business or secrets of another, or opens, secretes, embezzles, or destroys the same, shall be fined under this title or imprisoned not more than five years, or both.
  
  While the language on the envelope was intended to protect mail recipients, we recognize that it was not well-received in this instance.
  
  Upon receiving Mr. ******** complaint, we immediately removed him from all our marketing and contact lists, including our internal Do Not Contact list, to ensure he will not receive any further communication from us.
  
  We deeply regret any discomfort this situation may have caused Mr. ******* and appreciate him bringing this matter to our attention so we can continue to improve.
  

• Initial Complaint

  Date:01/24/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Liberty First Lending advertises their business as a debt consolidation loan company and do the classic bait and switch and then try to get people to sign up for a debt settlement company, called ********. This should be illegal and the company should be fined. No where in our 20 minute conversation do they say anything about their company being called ********, instead of Liberty First Lending, or anything about their company being a debt settlement company.

  

  Business Response

  Date: 02/18/2025

  Liberty First Lending (Liberty) has received BBB Complaint ******** from James ***** and appreciates the opportunity to respond.
  Liberty provides personal loan services, personal loan brokerage services, and also generates lead traffic that it routes to trusted partners for the offering of partner
  services. Both Advantage Law and ******** are trusted partners that can offer help to those who are over-burdened by unsecured debt.
  Mr. ***** contacted Liberty in response to an advertisement for those seeking information on consolidation loans. A soft pull of his credit report demonstrated
  that these partners may be able to offer significant benefit to him because of the amount of unsecured debt he has. Due in part to the amount of that debt, Mr.
  ***** was unable to qualify for the loan at the time and the trusted partners may be able to help him reduce his debt load.

  We apologize for any miscommunication. .If Mr. ***** has further questions or concerns, we are happy to assist.

• Initial Complaint

  Date:01/23/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Since 11/27/24 Liberty First Lending has called and texted over 112 times and has left voicemails in excess causing my voicemail box to fill. When they call they are asking for someone who is not associated with the number ************** and have been notified on several occassions that they have the wrong number. They continue to ask for "*****."

  

  Business Response

  Date: 02/18/2025

  Liberty First Lending (Liberty) has received BBB Complaint ********* from Mr.
  ********, and we appreciate the opportunity to respond to his concerns.
  
  Our records show that we first received a lead on 11/27/24 associated with the
  number ************, and subsequent attempts to contact the customer were
  unsuccessful. On January 6, 2025, we received a new lead for a ***** with the
  same number, and a text was sent. After receiving a STOP message,
  communication ceased.

  
  As a result of Mr. ********** complaint, both phone numbers (ending in 3627 and
  6700) have been added to our Do Not Contact (DNC) list to prevent any further
  communication.
  
  We trust this resolves the matter. If Mr. ******** has any further questions, we are
  happy to assist.

  Customer Answer

  Date: 02/18/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  Thank you. You guys are AWESOME!!
  
  Regards,
  
  ***** ********
  
   
  

• Initial Complaint

  Date:01/06/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They keep hounding me with phone calls and letters about a personal loan. I do not know how they got my information. I am on the no contact list as well even then they call. I have no interest in whatever it is they want.

  

  Business Response

  Date: 02/18/2025

  Liberty First Lending (Liberty) has received BBB Complaint ******* and appreciates the opportunity to respond.
  Mr. Bistas name was included in our distribution list due to pre-screening criteria. Upon his request to stop contact, we have added him to our internal Do Not Contact list and have
  ensured he will not be contacted again. Additionally, we have removed his name, postal address, email address, and phone number from our system.
  If Mr. ***** wishes to ensure that his name is removed from all pre-screen marketing lists, he can call ************** or visit ***********************
  We trust this resolves the issue, and if there are any further concerns, Mr. ***** can reach out to us directly.

• Initial Complaint

  Date:12/25/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  For months this place has been texting and calling me from various numbers and area codes spam messages, with my full NAME in all caps. This is concerning for a lot of reasons. So, youre just sending full names around through different numbers for spam about illegitimate credit offers. Are you serious? I dont even know how you got my info, but get rid of it. This is RIDICULOUS

  

  Business Response

  Date: 02/18/2025

  Liberty First Lending (Liberty) is in receipt of Ms. ***** complaint (#********).  We appreciate the opportunity to respond to her concerns.
  Ms. ***** name was included in our distribution list due to pre-screening criteria, which is a common practice for offering credit opportunities. 

  However, we understand her frustration with the communication she received. As requested, we have added her to our Do Not Contact list and will ensure she is not contacted again through calls or emails.

  If Ms. ***** wishes to opt out of all pre-screened mail offers, she can do so by calling ************ or visiting ***********************.

  We trust this resolves her concerns, and we appreciate her feedback.

• Initial Complaint

  Date:11/25/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I never have consented for this company to get my information, nor for any other company to run my credit and give it to scam companies like this, and yet I keep receiving fake checks mail from them that I am ******% not needing nor interested in. I am also filing a complaint with the *** for looking into how they came about my information and unauthorized started sending me this nonsense.

  

  Business Response

  Date: 12/09/2024

  Liberty First Lending (Liberty) is in receipt of  Ms. ****** BBB complaint.  We appreciate the opportunity to respond to her concerns.
  
  
  Ms. ****** name was included in our distribution list due to selection criteria. Upon her request to stop contact, we have added her to our Do Not Contact list and will ensure she is not contacted again.
  
  
  We have removed her contact information for calls, emails and postal mails.
  
  
  In addition, if Ms. ****** wishes to opt out of pre-screened mailers, she can call ************ or visit ***********************.
  
  
  We hope this response alleviates any concerns.

  Customer Answer

  Date: 12/09/2024

  I never opted in to a company pulling and selling my information and despite that I still did go to that website and opt out, and I am still getting a ton of scam mail.  That company that is stealing peoples information along with the low life companies that are purchasing it should all be in jail. 

  

  Business Response

  Date: 12/10/2024

  We understand Ms. ******* frustration and concern regarding the use of her information for pre-screened credit offers. The process of accessing consumer information for such offers is regulated by the Fair Credit Reporting Act (FCRA). Under the ****, ************************* (****) are permitted to provide consumer information to companies with a permissible purpose, such as offering credit. Like many other companies, Liberty First Lending (Liberty) submits specific pre-screening criteria to identify individuals who may qualify for credit offers. Based on these criteria, **** provide the names and addresses of individuals who meet the requirements.
  While no explicit opt-in is required under the **** for pre-screened offers, we recognize and respect Ms. ******* desire to limit such contact. As previously stated, Liberty has removed her information from our internal records, ensuring she will not receive further communications from us. However, other companies may continue to send similar offers unless she opts out universally through the processes provided by the *************************.
  To assist further, here are the resources Ms. ****** can use to opt out of pre-screened offers:
  Phone: Call ************
  Online: Visit *******************
  Additionally, below are links to opt-out pages for ***** *************************:
  Equifax Opt-Out Information - ***********************************************************************************
  
  Experian Opt-Out Information - *********************************************************************************************************************************************
  
  TransUnion Opt-Out Information - *****************************************************************************************
  
  We understand the inconvenience this has caused and encourage Ms. ****** to reach out with any further questions or concerns. Liberty remains committed to addressing her concerns fully and ensuring a positive resolution.