Complaints

This profile includes complaints for Patria Lending LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Patria Lending LLC

  8151 Highway 177 Red rock, OK 74651

• 

  Patria Lending LLC

  PO Box 668 Weatherford, OK 73096

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:06/23/2025

  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.

  I have paid off the loan in April and I’m still getting charge a financing fee.

  Business Response

  Date: 06/26/2025

  Due To The Detailed Response To Complaint ID ********, Please Refer To The Attached PDF. Thank you, Customer Care Patria Lending

• Initial Complaint

  Date:05/20/2025

  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.

  On 9/16/24, I took an emergency loan of $500 from Patria Lending. My weekly payments were $61.07. On 10/11/24, I was charged twice, though one of the charges was later refunded. Between 9/20/24 and 11/29/24, I made 10 weekly payments of $61.07, & an additional payment of $36.44.
  On December 5, 2024, I logged into my account to check the final payoff amount and it showed a payoff of $327.67. I withdrew from my 401k & paid this amount, after which the website displayed a zero balance.
  For the next 5 months, I received no communication from Patria Lending—until 9/9/25, when they unexpectedly charged my account $61.07. There was no prior warning or explanation. I called immediately & was told to email Customer Care. I sent at least 5 emails, some with screenshots attached. I received no response.
  Then, on 9/16/25, another $61.07 was withdrawn from my account. Once again, I called & was told they would only communicate via email.
  Finally, late on 9/16/25, I received an email stating I still owed $135.22 after my $327.67 payment in December. This makes no sense. They are now claiming that, after the two recent payments totaling $122.14, I still owe $13.08. They also stated they would "waive the interest charges accrued since December." What interest charges?
  Before taking further action, I tried to log into my account to pay the $13.08 just to close this matter and prevent any additional unauthorized charges. However, I can no longer log in—the system won’t accept my password. The password reset link claims to send an email, but I never receive it. I’ve contacted Customer Care multiple times about this and have received no response. This leads me to believe they intentionally block access to my account to avoid scrutiny of their fraudulent activity.
  Please contact me ASAP at ************. If I am unavailable, leave a voicemail and I will return the call. I am also contacting other consumer protection agencies regarding this issue, but I hope to resolve it with your help.

  Correction:

  Unfortunately, after reading my complaint I realized that I made a typo. I wrote that I was charged $61.07 on 9/9/25 and 9/16/25, but obviously I wrote the wrong date as those dates have not occurred yet. The proper dates should have been 5/9/25 and 9/9/25. I had originally written the date as May instead of using the number to represent it, but I had to shorten it due to the character limits on the BBB website

    

  Business Response

  Date: 05/23/2025

  Due to the detailed response, please refer to the attached PDF. Thank you!Please accept our response to the issues raised in the recent Complaint ID
  ********. Upon review of the Complaint, we can certainly understand the
  Complainant’s concern and frustration; and appreciate the opportunity to offer
  further clarification.
  As the Complainant explained, after making an on-line payoff in the amount of
  $320.67 on 12/04/2024, the Patria Lending Account was paid-in-full.
  However, after researching the Account Records, we are unable to identify,
  replicate, or explain why the Complainant saw $320.67 displayed as the
  payoff amount when the actual payoff was $455.89

• Initial Complaint

  Date:05/11/2025

  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.

  Well. Iv received an email from Patrial Lending about being approved for 1000 loan and I was okay. I need the money. So attempt it and read the agreement and it was $81.91 weekly. Okay well I went for it. I never got the $1000 they offered. So by this point I’m feeling sketched out bc they have my bank info and my ssn and all this. I think this is a scam but if you go to the website. They have an invalid email and a working no number. I should have thought to look before I signed. So now o have an open loan with this scam of a company and I haven’t even gotten the money.. so Investigate further. There’s another partial lending website but looks nothing like the I suppose got a loan with. So yeah I want out of this loan bc I haven’t even gotten the money. So yeah I’m feeling sick to my stomach because I’m a hard working young man who just needed a little extra cash and I’m not finna be scammed over a $1000. Please help BBB

  Business Response

  Date: 05/14/2025

  Due to the detailed response, please see the PDF attachment.

• Initial Complaint

  Date:05/10/2025

  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 was looking for a loan in March 2025 applying different places online. I have low credit score so I was looking for lowest Apr . Patria loan made me sign before I even filled out application. I guess I was approved for $500 . So they sent me the money. A few days later with out me knowing . I didn’t want this high interest rate now I’m stuck paying . I’ve tried living in to their website to pay in full but it doesn’t let me . Don’t know what to do.

  Business Response

  Date: 05/14/2025

  Due to the detailed response, please see the PDF attachment.

• Initial Complaint

  Date:03/17/2025

  Type:Billing 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.

  I foolishly took out a loan and had payments taken out weekly to get it paid off faster, was never late or missed any payments and final payments were taken out and loan successfully paid in full. I took screen shots of the payments and the patria website that showed the little congratulatory message stating it was paid in full. Approximately 2.5 weeks later they attempted to take another payment and when I reached out to them via email I sent the photos of the final payments and the page saying it was paid off but never heard back from them and now receiving emails saying the loan is 50 days past due. This is super shady and I get that they are not technically doing anything illegal by offering these high interest loans that pray upon people in need but it really should be. A $1000 loan turns into an almost $5000 loan which is beyond disgusting to do that others. I don’t know how they sleep at night especially taking what was agreed upon and then still trying to take more and avoiding the customer knowing they are being shady and deceitful. I will be seeking legal counsel to handle this matter f it is not resolved before the end if March 2025

  Business Response

  Date: 03/21/2025

  One of your prior payments was returned by your bank resulting in
  your account being placed back into repayment. We understand the
  confusion that this has caused and will waive any remaining balance and mark
  the account as paid in full. Thank you for bringing this matter to our
  attention so we could address the issue. Thank you, Customer Care Patria Lending

  Customer Answer

  Date: 03/24/2025

  
  
  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

  Date:02/13/2025

  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.

  This company LIES! I filled out an application on line and it stated “YOUR APPROVED” so I applied and I get denied.
  This is a bait and switch and also false advertising to get information

  Business Response

  Date: 02/14/2025

  The Complainant was Declined for Permissible Adverse Action
  Reasons in accordance with Federal Credit Laws. The required Adverse Action
  Notification will be sent, and the Complainant is no longer eligible for future
  lending consideration. Thank you, Customer Care Patria Lending

  Business Response

  Date: 02/28/2025

  We
  appreciate the Complainant’s perspective. However, we respectfully disagree.
  The objective of Patria Lending is NOT to purposely obtain Applicant
  information for any other reason than to make a sound Credit Evaluation and
  Decision. Patria Lending does not sell any Consumer information. Patria
  Lending uses information only to evaluate Creditworthiness. The image
  provided by the Complainant is a Non-personalized Banner Advertisement intended only for Former Customers. The Complainant has never been a Customer.
  Therefore, we did not and will not extend Credit based on the Complainant’s
  Credit Profile and Scores. Thank you, Customer Care Patria Lending

  Customer Answer

  Date: 03/03/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: this company lies. They have YET to prove or provide reasoning of what I was denied AFTER stating I was approved. This company should be SHUT down for unfair predatory lending practices.
  
  
  
  Sincerely,
  
  
  
  ******** ***********

• Initial Complaint

  Date:11/17/2024

  Type:Billing 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.

  I initially took out a short-term loan with Patria Lending in November 2023. I have taken out a total of three loans with this company. I have received a total of $4,600 from this company and have already paid a total of $5,804.18 back. My partner unexpectedly lost his job and I cannot keep affording to pay this ridiculous rate. When I checked my account today, my pay off amount was $1,457.38. On the past two loans that I paid off, I was charged an additional amount after both payoff dates. This is absurd! I have already paid $1,204.18 in interest to this company. There is no way to escape this, which is just what companies like this want. The APR is well above the maximum allowed in the state of ******** and they are not a licensed lender. I have paid off these loans plus interest and I am requesting that my account be considered paid and closed so that I can focus on surviving my partner's unemployment. Please beware of this predatory lender!!!

  Business Response

  Date: 11/21/2024

  Due to the detailed response, please refer to the attached PDF. Thank you!

  Customer Answer

  Date: 12/01/2024

   
  Complaint: ********
  
  I am rejecting this response because: I have already paid more than the total of all three loans combined. I was able to pay the absurd interest for the first two loans and am unable to continue making payments due to my partner's unemployment. As a one-time courtesy, I would like my remaining balance to be waived and the interest I've already paid put towards the third loan as paid off and settled. 
  
  

  Business Response

  Date: 12/13/2024

  Due To The Detailed Response, Please See The *** Attachment. Thank you, ****** *******

• Initial Complaint

  Date:09/21/2024

  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 had $500 show up in my checking account from ********************. I did NOT apply for or sign any kind of loan. I contacted my bank and started looking into Patria Lending. A few days later I realized there where several withdrawals from patria that was clearly a payment, with interest. This is obvious fraud. I have reached out to them to try and resolve this issue, and I'm in the process of working with my bank to resolve this
  I also went to my local police and filed a fraud report with them as well.

  Business Response

  Date: 09/25/2024

  Due to the detailed response, please refer to the attached PDF document. Thank you, Patria LendingUpon further research, the Patria Lending account in question originated through
  a lead provider, ***************** on June 29, 2024, with the completion of an
  on-line application that was presented to their network of multiple lenders, one of
  which was Patria Lending. Patria Lending accepted, approved, and funded the
  requested loan amount of $500 to the Checking Account provided on the on-line
  application on Thursday, June 29, 2024.
  Once the loan request has been approved, borrowers are asked to sign the Loan
  Agreement that includes the Truth-In-Lending Act (TILA) Disclosure. The (TILA)
  Disclosure is the first page of Patria Lending’s Loan Agreement and outlines the
  required repayment categories that must be presented to a potential borrower
  before a Lender extends credit. The purpose of the TILA is to protect potential
  borrowers so they are not surprised by financial charges, payments, and fees.
  Categories displayed are as follows: Annual Percentage Rate; Finance Charge;
  Amount Financed; Total Of Payments; Number Of Payments; Amount Of Payments;
  When Are Payments Due; and Repayment Fees.

• Initial Complaint

  Date:09/19/2024

  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 signed a document for funding through Patria Lending LLC , yet I can’t reach them, they approved me for a 500.00 loan with me signing the document but I haven’t received funding or have I had any contact with Patria Lending since I did all this. I think it’s a scam and they just took all my information. Banking info etc. Thry also have my debit card number as well as bank account info and SSN. I want to file a fraud complaint.

  Business Response

  Date: 09/20/2024

  Due to the length of the detailed response, please refer to the attached PDF. Thank you, Credit Department, Patria Lending.

• Initial Complaint

  Date:09/06/2024

  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.

  Yesterday I signed up for a loan, the process didn't load all the way through. On one page it supposedly asked a question but there was none visible and I couldn't select an answer. It would allow me to save for later so I did and I was redirected to the loan status screen saying how much I borrowed and my payment schedule. I have not received any confirmation email with my loan details and I cannot speak to anyone because all the numbers are false. It wont let me disconnect my bank without speaking to someone which as I mentioned is impossible. I don't want to get scammed out of my money, but I do not know what to do.

  Business Response

  Date: 09/10/2024

  Please accept our response to the issues
  encountered by the Complainant during the Loan Underwriting Process on
  Thursday, September 05, 2024. We can certainly understand the Complainants
  concerns, appreciate having these issues brought to our attention, and allowing
  us the opportunity to respond. 
  
  As we explained in an email to the Complainant
  on Monday, September 9, 2024, we apologized for the inability to communicate
  with our office both verbally and in writing. 
  Upon further review of the issues experienced with the Patria Lending
  Account, we identified that because of System Maintenance performed Thursday
  night, September 05, 2024, Account access and communication has been affected.
  We are currently addressing these system issues.
  
  Regarding the Patria Loan Status, the Account
  was approved and funded on Thursday, September 05, 2024 via ACH to the Bank
  Checking Account provided by the Complainant. Funds should have been received on
  Friday, September 06, 2024. The Patria Lending Account Loan Agreement,
  including the Truth-in-Lending Disclosure Notice, with Account Loan Details can
  be viewed and downloaded by accessing the Client Online Portal, selecting
  “Servicing Center” from the Menu Panel, and selecting “Documents”.
  
  For questions associated with the Patria
  Lending Account, Contact Center Advisors are available to offer their
  assistance during the following hours of operation by calling 800-640-2093:
  Monday through Friday: 8:00 AM until 11:00 PM Eastern Standard Time (EST);
  Saturday: 9:00AM until 4:00 PM; and Sunday: Closed.  Additionally, the Credit Department is
  available Monday through Friday from 9:00 AM until 5:00 PM EST to reply to emails
  addressed to ******************************.
  
  Going forward, should the Complainant have any
  questions or concerns, please do not hesitate to contact us accordingly.
  
  Credit
  Department
  Patria Lending