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:08/05/2024

  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 was looking into getting a loan July 26th , I found a website that said they send funds within a couple hours. I applied for the loan but didn't sign it yet, I called after I got approved and spoke to ****, I asked **** if I would receive the loan on July 26th if I signed it and he said yes I would within two hours . I asked him if he was sure and told him if I couldn't get the loan by the 26th that I wouldn't need it anymore and he said he was sure . So I signed the loan , and two hours later I didn't receive money so I called and they told me to email them which I did multiple times explaining I needed the money on the 26th or that I wanted them to cancel it. They stopped replying then on the 27th of July I decided tried contacting them again about the same situation which they did not help with . Then Monday the 29th they deposited the money into my account but by that point I didn't need the loan anymore I already paid the bills I had to pay but my bank account was negative $1000 so the bank kept the $1000 and now partial lending is trying to charge me weekly payments as of the loan is in affect which the loan was canceled before I received the payment. I will pay them the $1000 they deposited in my account when I can , but I will not pay any interest on any loan because I told them multiple times to cancel the loan and they lied to get me to sign the loan . Isn't it illegal for them to lie to me to get me to sign the loan? If **** didnt tell me I would receive the loan on the 26th then I wouldn't have signed it . Also all of our calls are on a recorded line so they cannot lie and say I never told them that. Also you would hear **** telling me on a recorded line that I would receive my money in two hours.

  Business Response

  Date: 10/03/2024

  Please accept this email as a follow-up to the Complaint ID ******** regarding Patria Lending Borrower, Mr. ****** *****. 

  
  

  This Complaint correspondence was initially sent to us dated Monday, August 05, 2024, as well as the follow-up correspondence dated Saturday, August 10, 2024. For some reason, both letters were sent by regular mail to our Payment Lockbox at *********** Box 668 in ************ ********* which is managed by a third-party service provider. The final letter dated Tuesday, August 20, 2024, informing us that the Complaint has been closed without our response, was also addressed to the *********** Box. Oddly, as of this writing, this letter has yet to be received. 

  
  

  Previously, any correspondence received from the Better Business Bureau has been sent to *************************************************************.  The letters dated August 5th and 10th were received on Wednesday, September 25, 2024. 

  
  

  Additionally, as referenced in the August 20th letter located in the BBB Portal (Please see PDF attachment - Closed Without Owner Response), and outlined in the last paragraph, having the opportunity to respond to Customer Correspondence is very important to us. 

  
  

  Therefore, Ms. ********* if you would please allow us to offer our side of the Complaint issue, we would be most appreciative. If so, our response can be found in the attached PDF (Business Owner Response Complaint ID *********.

  
  

  Ms. ********* we look forward to receiving your reply.

  
  

  Respectfully yours,

  
  

  **** ***
  Customer Care
  Patria Lending LLC
  **********************************************************************************************************************************************************************************************************************************
  ******************************

• Initial Complaint

  Date:07/26/2024

  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 had $900 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 had a withdrawal 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 am now in the process of working with my bank to resolve this as well.

  Business Response

  Date: 07/30/2024

  Prior to receiving the Complaint notification from the Better Business Bureau
  on Friday, July 26, 2024 at 1:39 PM, the Complainant had already sent an
  email to Patria Lending on Friday morning, July 26, 2024 at 6:25 AM. The
  Complainant explained that he had received a $900 deposit in his Checking
  Account as well as payment withdrawals, and since he did not apply for the
  loan, he was reporting this to Patria Lending as fraud.
  Upon further investigation, we provided the Complainant with an email
  summary of our findings. The Patria Lending account in question originated
  through a lead provider, onlineloannetwork.com on 7/18/2024, with the
  completion of an on-line application that was presented to their network of
  multiple lenders, submitted to Patria Lending, accepted, approved, and
  funded to the Checking Account provided on Thursday, July 18, 2024. The first
  payment was subsequently due on Friday, July 26, 2024, which is the reason
  for the automatic payment withdrawal.
  Based on the Complainant’s fraud claim, and included in the investigation
  process, we require the completion of a Local Police Report, as well as
  Federal Trade Commission Identity Theft Report, both of which were
  requested by the Complainant, and required to close the account and change
  the status to Fraud. As of Tuesday, July 30, 2024, we have received the Identity
  Theft Report and are awaiting the return of the Police Report.
  As a result of the Complainant instructing his financial institution to reject
  transactions from Patria Lending due to suspected fraud, the $900 deposited
  loan funds have been returned, and the automatic payment on Friday, July 26,
  2024 was also rejected.
  Additionally, as a preventative measure, we highly recommend that the
  Complainant notify the Credit Bureaus of the fraudulent activity, identify, and
  remove incorrect information, as well as add a Fraud Victim Statement on their
  Credit Report alerting Creditors that “Fraudulent Applications May Be Submitted
  In My Name Or My Identity May Have Been Used Without My Consent To
  Fraudulently Obtain Goods Or Services. Do Not Extend Credit Without First
  Contacting Me Personally And Verifying All Application Information By Contacting
  Me Day Or Evening At Specified Phone Number”.
  Going forward, should the Complainant have additional questions or concerns, we
  are available by contacting [email protected].
  Thank you,
  Customer Care
  Patria Lending
  Submitted: 07/30/2024

  
  

  Customer Answer

  Date: 07/31/2024

   
  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.

  I will also make note here that Patria Lending has been very helpful and forthright in helping get this resolved.

  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:07/03/2024

  Type:Customer Service 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 did not take out a loan with this lender. I took out a different loan with another lender under the Finwise umbrella. I did not apply with patria nor sign any documents. Suddenly when the the loan I applied for deposited at loan from Patria was also deposited. I cannot access login for Patria, reset a password or access a loan in any way. When I email customer service all they reply is the email I have is not valid. I used mine and my wifes which are the only emails that we have. I believe they had access to the loan I did take out from Finwise and signed my name to documents from them. Warning to all Avoid Patria and any loans through Finwise!!!!

  Business Response

  Date: 07/05/2024

  Complaint ID: ********
  
  1. There is no Patria Loan in the name of the Complainant.
  2. We cannot discuss in anyway the loan details of a Consumer with another party.
  3. Patria Lending has no relationship of any kind with Finwise.
  
  Thank you,
  
  Customer Care
  ********************

• Initial Complaint

  Date:05/13/2024

  Type:Customer Service 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 filled out an application on 5/7. I was approved and keep getting emails to sign documents but none of the document links are working, I called customer care many times and they cant assist. The last rep I spoke with today said to email or try on a desktop I did both again, still dont work on a desktop . I also emailed them no response and it says my link will expire soon. I need a new link please, this is needed for an emergency.

  Business Response

  Date: 05/17/2024

  Customer Complaint ID: ********
  

  Business Owner Response:
  

  Received a completed loan application from the Applicant on May 07, 2024.  
  

  Subsequently,the application was processed through the automated credit evaluation system and risk-based assessment filters.
  

  However,during the automated credit evaluation process, we identified an Identify Theft Prevention statement that appeared on the ************************ Report. This statement is as follows
  
  ID SECURITY ALERT:FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXX-XXX-XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 08-09-23
  
  As a result of this ************* Statement, the loan application was electronically routed to a Manual Review Queue. Upon further evaluation, the loan application was Denied.
  

  Thank you,
  

  Customer Care
  ********************

  Customer Answer

  Date: 05/22/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  I have several emails saying Im approved and I need to sign. The customer care email is the worse, you take over a week To respond. No one reached out to the number listed to verify anything. Why would you send me multiple emails to sign loan documents if you rejected me. You dont do business this way. It took me to file a complaint about service to find this out after getting several approval emails.

  Sincerely,
  
  ***********************

• Initial Complaint

  Date:03/11/2024

  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 applied for a loan with Patria Lending and was approved. I signed the contract and I now have an open loan with them. I was never given the funds. When I called I was told to email them about the issue and that it would be handled. No one has gotten back to me. This doesnt feel professional. There should be someone that I can SPEAK to that can fix whatever is going on. I want the $1400 loan that I signed for and accepted to be deposited into my account in a timely manner

  Business Response

  Date: 03/15/2024

  The following informational bullet points represent a timeline of the application
  process, email and verbal communication that occurred on March 11, 2024
  between the Customer and Patria Lending addressing the Customers funding
  concerns referenced in the Complaint. They are as follows:
  • Customer (Applicant) applied for a loan on March 11, 2024 by completing an
  on-line application. As a lending requirement, the Customer provides, to
  include but not limited to, their Personal Contact Information, Employment
  Information, and Banking Information. The Banking information serves two
  purposes: (1) to designate their preferred funding method, which is a
  Checking Account or Debit Card, both of which must be associated with the
  same Financial Institution, and (2) scheduled payments will be made from
  either payment method on file.
  • 3/11/2024, 10:38 AM EST - Customer completed application.
  • 3/11/2024, 10:39 AM EST - Customer signed TILA / Loan Agreement.
  • 3/11/2024 10:40 AM EST - Internal System Controls detected a discrepancy
  with the Customer’s Preferred Funding Method selected, which was the
  Debit Card provided. However, the Debit Card was issued through Columbia
  National Bank and was not associated with the PNC Checking Account, also
  provided by the Customer. Therefore, in order to advance the loan funds to
  the Customer in a timely manner, we submitted the funds to the default
  payment method, which was the PNC Checking Account.
  • 3/11/2024, 10:48 AM EST - Email received from Customer: "Hey guys I need
  help there was an issue with the funding method….. I’d like to finish our
  contract".
  • 03/11/2024 10:51 AM EST - Contact Center received call from Customer:
  Inquiring about the status of the application. Explained that there is an issue
  with the card, and Customer said that may be due to the mailing address.
  Customer will email Customer Care for resolution.
  • 3/11/2024, 10:53 AM EST - Email received from Customer: "I already signed
  the contract but I have not received the funds……. Please help Do I contact
  the bbb? Who do I contact".
  • 3/11/2024 11:02 AM EST – Funding Method changed to ACH.
  • 3/11/2024 11:05 AM EST - Loan Application was Approved and Funds in the
  amount of $1,400 were transmitted to Customers PNC Checking Account
  through ACH.
  • 3/11/2024, 11:09 AM EST - Email response to Customer: You were funded
  today through ACH. You will see the funds in your account tomorrow."
  • 3/11/ 2024, 11:15 AM EST - Email received from Customer: "I was told there
  was an issue with the funding method over the phone. Can you confirm
  which account my funds will be deposited tomorrow? PNC account or
  Metabank account ending in 1470?".
  • 3/11/ 2024, 12:15 PM EST - Email response to Customer: "You were approved
  for funding to your PNC account."
  In summary, from the time the Customer completed the application process to
  receiving the loan funds, the total time was twenty-seven (27) minutes. This
  processing time would have been much faster if the preferred Debit Card funding
  method was associated with the Checking Account provided.
  Thank you!
  Customer Care
  Patria Lending

• Initial Complaint

  Date:12/05/2023

  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.

  When filing for this loan, it was not stated that I would be paying this loan back at 699%. I don't believe I should be spending 699% back on a $500 dollar loan. The 699% exceeds the interest limit of the state of *********. That is a violation of ********** usury law. I have already paid back the $500 loan back plus an extra $200 plus. I feel like this loan has been more than paid off and I still have 15 weeks left on this loan. Would like to resolve this issue as soon as possible.

  Business Response

  Date: 12/08/2023

  In response to the Customers Statement of the Problem, due to the details provided, please review the Attachments. Thank you!

  Customers Statement of the Problem:
  When filing for this loan, it was not stated that I would be paying this loan back at
  699%. I don't believe I should be spending 699% back on a $500 dollar loan. The
  699% exceeds the interest limit of the state of *********. That is a violation of the
  states usury law. I have already paid back the $500 loan back plus an extra $200
  plus. I feel like this loan has been more than paid off and I still have 15 weeks left
  on this loan. Would like to resolve this issue as soon as possible.
  Desired Settlement:
  No further contact by the business
  Owners Response To Customers Statement of the Problem:
  Loan application request in the amount of $500.00 was received on
  09/18/2023.
  Loan application was passed through the underwriting process and
  applicable risk-based credit filters.
  Loan request was subsequently approved and Customer was notified
  electronically; and requested to sign the Loan Agreement that included the
  Truth-In-Lending Act Disclosure, ACH and Electronic Funds Transfer Act
  (Automatic Payment Authorization Form) Agreements, which was executed
  on 09/18/2023.
  Regarding Customers statement: When filing for this loan, it was not
  stated that I would be paying this loan back at 699%.
  Please see attached PDFs: #1. This document represents the first page of
  the Loan Agreement, which is the Truth-In-Lending Act Disclosure (TILA),
  displaying the Annual Percentage Rate, Finance Charge, Amount Financed,
  Total of Payments, Number of Payments, Amount of Payments and Due
  Dates. #2. Loan Agreement Signature Page that was electronically signed by
  Customer on 09/18/2023).
  The Loan Agreement is available in ******************* of the Customers
  Account Portal for viewing and PDF downloading.
  Next, the Customer was asked to select their preferred funding method.

  
  

• Initial Complaint

  Date:11/09/2023

  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.

  This company is using a shady way of securing loans from people like me looking to check out loan options and in some way signed me to a 600% interested loan for $1,500. I dont recall signing a contract with my signature. They are currently auto deducting $209.02 every single week for the next 26-weeks. I never received an agreement or contract as my copy. I feel like this is a loan shark ripping people off.

  Business Response

  Date: 11/14/2023

   

  09/27/2023: Loan Agreement Signed.
  09/29/2023: Loan Funded to Borrower provided Checking Account for $1,500.00.
  11/09/2023,7:24 PM: Borrower requested copy of Loan Agreement.
  11/10/2023,10:20 AM: Borrower disputes validity of the Loan Agreement Signature.
  11/10/2023, 3:21 PM: Please see attached Email regarding Fraud and Identity Theft sent to Borrower.
  11/14/2023: As of this date, the requested signed Identity Theft and Police Reports have yet to be received.
  10/06/2023 through 11/10/2023: All Six (6) Loan Payments have been made totaling $1,254.12, with $245.88 outstanding.

  Therefore, based on this information, we do not feel that a refund the Borrower is requesting is warranted. 

  Customer Answer

  Date: 11/16/2023

  
  Complaint: ********
  
  I am rejecting this response because:

  I am sure the Patria Lending signed my name without my knowledge. I never received a signed loan documents until I noticed my banking account was being charged hence I reached out to Patria to request a copy of the signed loan documents. To my knowledge, it's not my signature which I can prove. I would never agree to a 600% interest rate for a $1,500 loan, ever. I told them I have no problem returning the money as it was never used but they keep deducting $209.02 from my checking account weekly. They are doing fraudulent loan signing and taking advantage of people until they are revealed. I would like to pursue this matter and show proof that the loan document they have is NOT my signature. 

  Sincerely,
  
  *******************

  Business Response

  Date: 11/21/2023

  In response to the Borrowers rejection statement, due to the details provided, please review the Attachments. Thank you!

• Initial Complaint

  Date:09/27/2023

  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 applied for a loan on Friday, September 22, 2023. I signed all my documents. I called and emailed back on Monday to see when will I be receiving my money. Customer support says they sent the money already to my account. I emailed them back and said I didn't receive anything. After a day of back and forth I wanted to cancel my loan. I told customer support I can send them proof of my bank account to show I never received anything. This company still pulled from my account and ******** it. I emailed them back today and said do not overdraw my account again. You never sent me any money. If this happens again I might have to close my account down.

  Business Response

  Date: 10/13/2023

  Applicant applied for a Loan on Friday, September 22, 2023, and was subsequently approved Friday afternoon. The Loan Funding Amount was also disbursed on Friday afternoon, September 22, 2023, to the Checking Account of the Financial Institution provided by Applicant. Applicant then informed us that the Checking Account Information provided was incorrect. Upon receipt of the Funding Disbursement Amount, the Financial Institution returned the Funding Transaction with a Reason Code of Unable To Locate Account.
                                                                                                                                                                                                                                                                                            Prior to being made aware of the Funding Rejection Notice on Tuesday, September 26, 2023, calls and emails were received from the Applicant inquiring about the Funding status.
                                                                                                                                                                                                                                                                                        Then,follow-up calls and emails were received from Applicant on Tuesday, September 26,2023 requesting to cancel the Loan and Funding. Based on this communication, and not yet having been notified that the Funding Disbursement had been returned from Friday, September 22, 2023, a Funding Reversal Transaction was submitted to the Financial Institution at the Applicants request.
                                                                                                                                                                                                                                                                                        When the Funding Reversal Transaction was received by the Financial Institution, the Funds were in the process of being returned due to incorrect Account Information.  The Funding Reversal was then declined by the Financial Institution for Insufficient Funds, giving the Applicant the impression that a withdrawal attempt was being made, which was not the case.
                                                                                                                                                                                                                                                                                        Later Tuesday afternoon, September 26, 2023, the initial Loan Funding Disbursement was received and subsequently, the Loan Account was canceled.

  Customer Answer

  Date: 10/16/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and want to be officially done with this company. 
  
  Sincerely,
  
  ***********************************

• Initial Complaint

  Date:08/23/2023

  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.

  These funds were issued on 08/22/23 I received no mention on what account it would be processed too.I put my chime debit card down as the source of which I would like to be paid on. However they transferred it to my bank or the west account which is negative and now I cannot move the funds back or have bank of the west reverse it I lost my job and Im trying to get back on track please help

  Business Response

  Date: 02/03/2024

  COMPLAINT ID: ******** 
  Response From Business Owner: Due to the length of the response, please refer to the attached PDF.