Marlette Funding, LLC

XXXX mailed me a credit card to replace the one that was expiring, it included a notification that said that if the card was not activated by XX/XX/XXXX, they would close my account & I would be responsible for the amount still owed. I decided to continue to make my payments as usual & expected to see the account closed by THEM, not by me due to the fact that if I request it, it will affect my credit negatively. XX/XX/XXXX, they sent me an email reminding me that the account will be closed if card is not activated. I had no incline to activate the card due to their interest being 33.99 % and the fact they had concocted a {$4.00}. monthly statement fee out of nowhere for months. XX/XX/XXXX I paid the FULL balance owed on the account. They continue to keep the account opened & continued charging fees. XX/XX/XXXX, the account is still ACTIVE and I have NOT activated the credit card which should by now have prompted for them to follow their own procedure and they haven't.…

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XX/XX/XXXX a check for {$8600.00} check number was cut from my credit union certified check to pay off my best bank account XX/XX/XXXX the check was mailed certified XX/XX/XXXX I sent copies of the check and a letter saying the check was mailed XX/XX/XXXX from my bank certified check with an incomplete account number. Please respond if you have found this check and provided them with a check number or please give me an indemnity contact for my bank so an indemnity agreement can be signed so they can send a new certified check. On the phone theyre all nice. They say theyre gon na take care of it and they dont ever get back to me. They dont get back to my emails. They dont get back to my phone calls. Meanwhile, theyve charged me XXXX additional dollars and interest in one month when I couldve already sent them a replacement check by now. I asked for for balance while were waiting to find out what happened to the certified check as well.

I sent this message to XXXX to try and get this issue resolved and out of frustration on it I'd like to send it here to ensure it's handled not just for me, but for others dealing with the same issue. They have been using fake reviews to drive their marketing currently to drown out the poor " service '' that they provide : Hello Best Egg team, I opened an account around XXXX timeframe to be a credit card service that I could use to help situate myself as I grew financially out of college. I noticed that there was service degradation as a developer. I was developing my own mobile application but the app can not function when a phone is in debug mode. Each time I had to access my card I would have to disable debug mode, which was inconvenient. As such, I locked my card and decided to keep it around for emergencies. Overtime, the mobile app 's API ceased to function and so I had to go into the Web UI to pay off my balance so interest didn't accrue.…

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I relocated from XXXX XXXX XXXX in XXXX. Best Egg is the lienholder on my XXXX XXXX XXXX XXXX. For over one year, Best Egg has failed to properly release or transmit the vehicle title to the XXXX Department of Revenue, which is required to renew my vehicle registration. XXXX MVD and my county tag office have confirmed that they have not received the title or any electronic lien release from Best Egg. Best Egg repeatedly states that the title was sent or that a duplicate was requested, but they have provided no proof of electronic lien release or tracking. Because of this failure, my registration has now expired. I am being forced to spend about {$400.00} per week in transportation to work and to get my child to school. This is causing financial hardship. XXXX MVD has also attempted to contact Best Egg for over a year without response.…

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I filed for XXXX XXXX XXXX on XX/XX/year>, which puts an automatic stay in place under 11 U.S.C. 362. That means creditors arent allowed to take payments after that date. On XX/XX/XXXX, a payment was withdrawn from my account by BestEgg, even though the bankruptcy had already been filed. I didnt authorize this transaction. I contacted BestEgg and was told they couldnt help because I didnt let them know before filing. However, Ive been informed by my attorney that the automatic stay goes into effect immediately - notice isnt required beforehand. My lawyer is sending them a cease and desist and a refund request, but Im filing this complaint because the charge shouldnt have happened in the first place.

I am submitting this complaint as a victim of identity theft, financial fraud, and a coordinated scam that resulted in a personal loan being opened in my name without my authorization. In XX/XX/year>, I was contacted by individuals representing what they described as a legitimate government-backed debt forgiveness program. Based on these representations, I believed the process was lawful. Without my knowledge or authorization, a personal installment loan in the amount of {$50000.00} was opened in my name on or about XX/XX/year>. I did not complete any loan application, did not sign any documents physically or electronically, and did not communicate directly with XXXX XXXX prior to loan approval. The loan records contain false information, including employment details that are not mine and were never verified with me. Approximately {$45000.00} was deposited into my account, and I was instructed under false pretenses to transfer funds.…

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I applied for a personal loan through XXXX XXXX and was approved for an amount intended to consolidate several existing debts. After the loan was issued, I noticed discrepancies between the terms shown during the application process and those actually applied, including the interest rate and total repayment amount. I contacted XXXX XXXX multiple times to request clarification, but the explanations I received were inconsistent, and no corrections were made. As the payments began, the higher-than-expected terms made it difficult for me to keep up, and I have struggled to maintain the required monthly payments despite attempting to resolve the issue directly with the company. I am submitting this complaint so the matter can be reviewed.

I was approved for a personal loan through Best Egg. The loan funds were deposited but subsequently reversed by my bank on XX/XX/year> via ACH return. I never received the loan proceeds. I have contacted Best Egg multiple times through email, live chat, and phone to report this. I provided Best Egg with the ACH trace number to independently verify that the funds were returned and that I did not receive disbursement. I also provided an updated bank account for re-disbursement. Despite this documentation and repeated follow-up, Best Egg has not resolved the matter. Each time I contact them, I am told they are looking into it. No corrective action has been taken. The loan remains listed as active on Best Eggs platform, and automatic payments are currently scheduled to be withdrawn from my account next month for funds I have never received.…

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I am filing a complaint regarding a XXXX XXXX personal loan that was obtained through merchant-facilitated inducement tied to a company now subject to an FTC enforcement action. On XX/XX/year>, I was directed by XXXX to obtain financing through what they described as their funding. They sent me the application link and remained on the phone coaching me through the process. They sent me a text with the link to fill out. They referred to it as " our loan department '' and they said " when the underwriting is done, the money will be put in your account and we will bill it at that time. We just have to do it separate so we fulfill the funding requirements. '' They had different names for everything related to their customer experience so the loan was XXXX, the software was XXXX the support team was XXXX, the communication was XXXX. The language they used created the assumption that they had just named their different departments but it was all XXXX experience.…

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I am submitting this complaint regarding actions that took place during a period when I was not in a stable state of mind. At the time, I was experiencing significant family trauma, emotional distress, and financial hardship. I was also intoxicated during the specific incident ( s ), which impaired my judgment and decision-making. On or around [ XX/XX/year> ) ], transactions totaling approximately [ {$8000.00} ] occurred on my account. During this time, my finances were already declining due to personal and family-related challenges. Because of my impaired state, I was not thinking clearly when these actions took place. I am not attempting to avoid responsibility, but I am asking for understanding and consideration given the circumstances. I respectfully request that the company review the situation and determine whether any assistance, adjustment, or resolution may be possible. Thank you for your time and consideration.

I am disputing unexplained repossession-related charges connected to my auto loan serviced by XXXX XXXX and their recovery agent XXXX XXXX. My vehicle ( XXXX XXXX XXXX ) was repossessed and returned to me on XX/XX/XXXX. Beginning on that date, I repeatedly requested an itemized statement of all repossession-related fees. I requested itemized charges on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also sent a written request by email. Each time I contacted them, I was told they were experiencing system problems and could not provide the itemized breakdown. However, they were able to accept and demand payment while being unable to explain the charges. I was charged approximately {$750.00} in fees that no representative has been able to explain. The documents provided to me at vehicle release only show fees in the range of approximately {$45.00} to {$70.00}, which does not match the amount I was charged.…

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I sent the full payoff amount to Best Egg on XX/XX/year>. Best Egg did not record payment until XX/XX/XXXX ( XXXX days later ). In that time, my regular monthly automatic payment was also sent to them on XX/XX/XXXX. They refused to turn off that payment in advance. They said there was nothing they could do about the interest charged between the date I sent the payoff amount and when they marked it as received. They said I would receive a refund of the overpayment no later than XXXX days from XXXX XXXX. That date has come and gone and they have ceased communicating with me on this topic. I have no other recourse but to file a complaint.

The have continued to call more than 7 times a day from best egg listed numbers and spamed numbers. Even though I have not been more than a month late I feel its excessive. I made a payment on Friday the XXXX and still call me have called twice on two hours today on the XXXX I answered and they hung up, or dont say anything. I work in aviation so I need my attention on my work for passenger safety. They continue to stress me even after I've paid my payment.

I am a victim of identity theft following a vehicle theft in which my wallet and personal identifying information were stolen. After this incident, unauthorized charges were made to a XXXX XXXX account or credit card that I did not make or authorize. I did not apply for, authorize, or benefit from this account or the charges associated with it. I reported the fraud upon discovery. I have filed an official FTC Identity Theft Report ( Report # XXXX ). All disputed charges are related to this same identity theft incident. Despite this, XXXX XXXX has failed to properly resolve the fraud and continues to associate me with unauthorized charges, fees, or balances. I dispute this account and all related charges in their entirety.

XXXX XXXX ( XXXX XXXX ) has withdrawn {$1100.00} from my bank account through XXXX XXXX payments. However, XXXX XXXX payment history only reflects XXXX payments totaling {$890.00}, leaving XXXX payments unaccounted for. My bank has confirmed that all XXXX payments were successfully processed and were not returned or reversed. Despite this, XXXX XXXX has failed to properly credit my loan account or explain where the missing payments were applied. I contacted XXXX XXXX to request a detailed payment history and a formal payment trace for the missing payments. The company has not provided documentation accounting for the missing payments or corrected my loan balance. I am concerned about improper billing, inaccurate accounting, and potential financial harm resulting from XXXX XXXX failure to correctly apply payments that were withdrawn from my account.

I reached out to best egg formerly requesting to have my XXXX XXXX XXXXXXXX XXXX XXXX benefits applied to my previously paid off loan. They said that the account doesnt qualify for the XXXX because it wasnt used to purchase goods or services. But both XXXX and federal law states all debts be capped at 6 % including all obligations and liabilities.

The company used a XXXX XXXX for a previous loan that was paid off and applied it to a new loan. They refused to give me a letter or email stating that the current loan is connected to an old XXXX. The filed the lien in XX/XX/XXXX - that loan was paid off XX/XX/XXXX. They used this XXXX XXXX to apply to another loan that was opened XXXX XXXX. I am trying to refinance my home to pay off this loan and can not get approved because of the date discrepencies. I was told today on a recorded line with XXXX at Bestegg ( XXXX ) that the exisitng loan was connected to the old XXXX for a previous loan However she refused to give me documentation to support that so that I can provide to the new lender for approval of my refinance. First- you can not use an exisitng XXXX and just simply move that over to a different loan. Secondly- my right as a customer is to know which loan is connected to a specific lien.…

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I also received a voicemails from so many different phone numbers, claim number & saying my stuff will be file through the courts. The time frame has been since the ending of XXXX until current. A couple calls yesterday. This is not the XXXX and only business thats calling around about me. Im being harass. This just has to stop. They are calling my job, family, friends anyone that can get a hold to me. Most times they called threatening me & whomever that they are contacting about me saying they have filed my information in the XXXX XXXX courts. I am so tired of these people calling everyone looking for me. They also claim the courts is giving out my information to locate me. They all use the same tactics and its sad. Im currently in collection & my credit is ruin so just let that be. You people cant get no more from me than I can give to myself too many folks trying to collect. So I have no choice but to report you and file bankruptcy. The harassing just needs to stop.

I have been trying to get my credit card statements from the XXXX XXXX company since XX/XX/XXXX. I have emailed, called, and sent out mail, and still the company has been non-compliant with sending out a bill. On XX/XX/XXXX, at XXXXXXXX XXXX Central standard time, I called XXXX XXXX that the conditions of my credit card would change to a higher interest rate, which I refused to accept due to the exceptional payment history of my credit card, so I declined to renew on their terms and conditions since they refused to give me a better card or rate. XXXX told me that if I did not want to accept, then I needed to close the account, and I did. I continue to pay on this credit card every month online until the credit card company restricted me from seeing my bill or paying it electronically in XXXX of XXXX. I called customer service and spoke to XXXX, and he told me on XX/XX/XXXX, that payments could only be paid by mail or phone due to the reason my account was closed.…

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My " XXXX '' payment method was set to directly withdraw from my checking account, and was confirmed on my end as the primary method of payment to be directly withdrawn from my personal checking account. However, the XXXX auto pay system chose to select an old debit card on file that had expired and to mark the payment as failed and/or reversed. My credit score has suffered as a result of this failed system, and if Bestegg is doing this to many hundreds or thousands of people they are making additional profit from late fees & additional interest over time in a dishonest and corrupt manner.

I am submitting this complaint regarding XXXX XXXX failure to properly investigate, verify, and substantiate a personal loan account they are reporting under my name, which is negatively impacting my credit reports with XXXX, XXXX, and XXXX. Account Number : XXXX Reported Balance : {$2300.00} Status Reported : Open, 60 days past due Last Reported : XX/XX/year> XXXX XXXX is reporting this account as having multiple late payments and claims the loan was originated online. However, despite my repeated requests, XXXX XXXX has failed to provide documentation proving that I personally opened, agreed to, or authorized this account, or that the reported late payments are accurate. PRIOR CONTACT & FAILURE TO RESPOND On Tuesday, XX/XX/year>, at XXXXXXXX XXXX, I sent a written email to XXXX XXXX requesting documentation related to this account. I have retained copies and records of this correspondence. I also made multiple follow-up phone calls requesting the same information.…

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On XX/XX/year>, Best Egg attempted an unauthorized {$540.00} ACH debit from my bank account. This occurred after I provided written notice revoking my authorization for electronic fund transfers, as permitted under 12 C.F.R. 1005.10 and Paragraph XXXX of my Loan Agreement. On XX/XX/year>, Best Egg confirmed in writing that they are 'refunding ' this payment. This admission proves that my revocation was ignored and that their internal compliance systems for Regulation E have failed. Simply returning the money does not excuse a 'willful " violation of the Electronic Fund Transfer Act ( EFTA XXXX under 15 U.S.C. 1693f. I am also challenging the True Lender standing of Best Egg to collect a XXXX XXXX APR in XXXX, as their direct management of this refund confirms they hold the predominant economic interest in this loan.

To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. XXXXg ). I dispute the validity of this debt and request full validation. Please provide the following : XXXX. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges XXXX. The name and address of the original creditor XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt XXXX. Proof that you are legally authorized to collect this debt in my state XXXX. A complete payment history of the alleged account Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with any consumer reporting agency. If this debt has been reported to any credit bureau, please note that it is disputed.…

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Being charge outrageous interest of 33.99 percent and in addition a monthly interest for making minimum payments and a monthly maintenance fee of XXXX. Three charges monthly, 2 for interest of balance, one for making minimum payment and third a monthly maintenance fee of XXXX Why am I penalized for making monthly minimal payments in addition to the outrageous interest rate of 33.99 % and why do I have to pay their monthly maintenance fee? I have never been late on a payment!!!!! This is their policy I was told.

This complaint concerns the unlawful collection, servicing, and credit reporting of a consumer loan by entities that have admitted in writing that they do not own the loan, can not prove entitlement to enforce it, and failed to disclose mandatory ownership and accounting information required under federal consumer financial laws. Despite repeated written requests for validation, ownership disclosure, and GAAP-compliant accounting, the responding entities have continued to treat this loan as collectible and reportable while failing to produce any legally sufficient proof of creditor status. Most critically, XXXX XXXX, XXXX provided a Chain-of-Title memorandum admitting that my loan was rapidly sold through multiple trusts and investors, yet failed to produce any assignment instruments, endorsement evidence, ownership register, or proof of entitlement to enforce.

On XX/XX/XXXX a payment was withdrawn and sent to XXXX XXXX to complete my monthly dues. On XXXX XXXX side the payment did not process until XX/XX/XXXX where they then marked my account as XXXX days late. This affected my credit account due to the late notification. I called XXXX XXXX twice where I explained that my payments are automatic, for the last several months it pulled and processed same day, and that the system did send my payment as it always does. They confirmed they could see my past payments but could do nothing about it being processed on their end late. The second rep gave me their email XXXX where I could dispute the incorrect account/payment status. I explained in the email that the payment was drafted as planned and sent to XXXX XXXX which meant I should not have been held liable for their late processing.…

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Re : Account No. XXXX Two Years of Failed Verification & Ongoing Illegal Reporting To Whom It May Concern : I am requesting regulatory review and immediate deletion of the XXXX XXXX XXXX XXXX XXXX XXXX ) tradeline associated with Account No. XXXX, based on two years of continuous FCRA noncompliance and an extensive, well-documented pattern of furnishing unverified and inaccurate information. This request is supported by multiple documents previously issued to XXXX XXXX and the CRAs, including : XX/XX/XXXX CEASE & DESIST + failure-to-verify notice to XXXX XXXX CR_DisputeXXXX XX/XX/XXXX cease-communication order sent by counsel to XXXX XXXX XXXX XXXX dispute letters sent to XXXX, XXXX, and XXXX regarding XXXX XXXX inaccuracies and improper charges o XXXX XXXX o XXXX XXXX o XXXX XXXX XX/XX/XXXX XXXX Requests sent to all three CRAs after XXXX XXXX failed to verify within the statutory time period o XXXX XXXX o XXXX XXXX o XXXX XXXX XX/XX/XXXX authorization letters confirming legal…

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I am submitting this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX, which is furnishing improper delinquency records to the credit bureaus for my account. My loan with XXXX XXXX was successfully enrolled in a negotiated settlement program with National Debt Relief, and I have made consistent payments since XX/XX/XXXX under the agreed-upon revised terms. Despite this, XXXX XXXX continues to report the account as increasingly delinquent every single month, as though I am continuing to miss payments. This is not accurate. A new payment structure was accepted under the settlement terms in XX/XX/XXXX, so the original amortization schedule is no longer applicable.…

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This loan with XXXX was paid off, there were 2 payments made the first one was on XX/XX/year> for {$28000.00} and the other was on XX/XX/year> for {$700.00}. i received a payoff email ( not a letter ) on XX/XX/year> stating the loan was paid off on XX/XX/year>, this date is not correct and its prolonging the update of the account being updated to ( paid off status ) on my credit reports. My account is usually updated on my credit report the last day of every month, since the loan was paid off there has not been an update. if the account shows paid off in XXXX system why is it not being updated on the normal schedule of the last day of every month?

Everytime I attempt to use this credit card, it declines and fraud locks. I've responded to text message alerts that all the charges are valid, then tried the charge again and it fails over and over. I tried calling customer service to have them unlock the card and it still declines even with them on the phone. I've also tried talking to the fraud department and they are of no help in getting the card to work either.

Regulatory Complaint Best Egg ( Marlette Funding , LLC ) Issue : Deceptive Approval, Unfair Lending Practices, and Unlawful Income Verification Requirements Consumer : XXXX XXXX XXXX XXXX, CA XXXX Company : Best Egg ( Marlette Funding , LLC ) XXXX, DE 1. Summary of Complaint I am filing this regulatory complaint regarding unlawful, deceptive, and discriminatory lending practices by Best Egg in connection with my loan application for {$35000.00}, which was stated as Congratulations Youre Approved before the company reversed course and imposed unreasonable and arbitrary documentation requirements. The conduct described below constitutes potential violations of : Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 Regulation B ( 12 CFR 1002 ) CFPB prohibitions against unfair, deceptive, or abusive acts or practices ( UDAAP ) Relevant state consumer-protection laws 2. Deceptive Approval Followed by a Bait-and-Switch Best Egg explicitly informed me that my loan was approved.…

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I am filing this report because I have been the victim of identity theft. On XX/XX/2025, I was served court papers for an account that I did not open and have no connection to. Stating that I owed over $ XXXX. I want to make it absolutely clear that I have never in my life opened, applied for, or maintained any credit accounts of any kind. I have never had a credit card, a loan, or any other form of credit. The account in question was created without my knowledge or consent and is entirely fraudulent. I did not authorize it, I did not benefit from it, and I deny all responsibility for it. I am an innocent victim of identity theft. I provided, via court response and certified service to the creditor and the courts, a copy of my FTC identity theft report, and yet the company did not stop the court collection process and trying to go through arbitration.

Credit bureau is displaying misleading information. It shows I was 90 days past due 57 times and that is incorrect. They continued to report me as 90 days past due after the account charged off and this is false. I have tried numerous times to resolve but to no avail. Respectfully requesting that this be corrected as soon as possible.

I am filing a complaint against XXXX XXXX XXXX, for furnishing inaccurate, incomplete, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account they are reporting is originally from Best Egg, but XXXX XXXX XXXX is falsely listing themselves as the original creditor on my credit report. XXXX is a debt buyer, not the original lender, and reporting themselves as the original creditor is factually incorrect and misleading. Additionally, the account is being reported with the following errors : XXXX. Incorrect account status : XXXX is reporting the account as XXXX, which is inaccurate. A collection account is not an open or active credit account. This misrepresents the nature of the debt. XXXX. Missing or incomplete account type : The account type is listed as, which is incomplete and violates the FCRA requirement that information be furnished with maximum possible accuracy. XXXX.…

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b'XXXX XXXX Complaint\n\nXXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX\n\nDate: XXXX XXXX XXXX\n\nTo:\nAttn: Supervisor / Underwriting Department\nXXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX\n\n\n\nSubject: Formal Complaint and Request for Review Secure Loan Denial\n\n(Violation of the Fair Credit Reporting Act, 15 U.S.C. 1681b(f), 1681s-2)\n\nDear Supervisor,\n\nI recently applied for a secured loan using my vehicle as collateral and was informed that my application was denied due to alleged late paymentsspecifically, being late twice within XXXX days. However, XXXX XXXX did not identify which creditor or account this information was based on, making it impossible for me to verify or correct.\n\nAfter receiving this notice, I contacted XXXX directly and obtained a current copy of my credit report. I also spoke with two separate supervisors to ensure the accuracy of the information being reported.…

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