Lenme: Investing and Borrowing

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I like Lenmo in general, it is relatively easy to use and I’ve been using it for a few months successfully. I’ve funded and had repaid several loans. However I often have errors with the app and customer service is not super responsive- it often takes days to have issues resolved. I also wish the app had a way to keep track of transaction history. For example being able to see when your lenmo account is funded, when and how much is paid out, when and how much is refunded. It will give notifications when a loan is funded and repaid but I would like something more like the transaction record of a bank account where I can the deposits and withdrawals. Also recently I didn’t receive notification of a repayment until a week after it was due- I don’t know if payment was late or lenmo was delayed in showing the notification- I would like to know so that I know whether I should be following up with lenmo about receiving my half of a late payment fee. I wish Lenmo was more transparent about where your money is and what is happening. When payments are late- are they collecting a late fee, are they making other attempts to collect, have debts been sent to collections, breaking down what’s been paid and when, keeping a running account balance. I expect these issues stem from the youth of the app, that improvements will come as the app becomes more established. I will need to take a break until current issues are resolved but I hope to be back. 🤞

Please allow an additional loan to be requested if an offer expires instead of waiting 30 days. I had an offer but didn’t see it in time within the 48 hours and missed the opportunity (my Mom was in the hospital so I wasn’t paying attention to my phone or my offers). I would like the ability to request a new loan of an offer expired prior to 30 days or refresh my current loan to get an offer. This app has so much potential. Please consider these updates to make this a positive experience! Good afternoon! I enjoy using this app! I have one suggestion. Please allow a loan requested to be modified or cancelled so a new loan request can be submitted. The reason is if I submit a loan request that isn’t receiving any offers I may want to change the terms of the number of months to a lower number to pay the loan off more quickly and to attract potential lenders. This would be a significant improvement to the loan request process. Right now the app says I can’t cancel an existing loan request until I have one offer but I’d like to cancel it or modify it to change and lower the number of months I initially submitted to pay back the loan. Thank you!

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I downloaded this app because, obviously, I need some extra cash right now. everything went so smoothly in the beginning, I had just submitted a loan request and gotten an offer! all I needed to do was add my bank info, and after about an hour of trying and failing to connect one bank account I finally gave up and connected my other one. so after all of that was done, I went and accepted the offer. it takes you to a second page where you have to push the “accept offer” button again. okay, no problem. well, I’ve pressed this button probably 1,000 times and nothing happens. so I think, go check your bank info and see if it was added. when I go to the link for your bank info and click on it, it brings me to the page but it’s just constantly loading. this has been going on for about 12 hours, I thought that if I just left it alone and waited that it would load but I was wrong. I decided to cancel the request I made and make a new one, but of course that didn’t go well either only this time because my SS doesn’t match my last name or something? I’ve had the same last name my entire life, I’ve had the same SS for my entire life, and when I first signed up I didn’t get an error message about that at all. please fix your app and tell me how to delete my account because this is complete bull.

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After doing tons and tons of research about peer to peer lending and reading about each and every single app + reviews , I decided to go with your app. Heard nothing but amazing things except for the customer service not being top notch. So after entering all my info and praying I got accepted I did. Finally added my bank account. In which my bank account + my income and qualifications met each and every requirement ( the whole process took about a month or so for me to do ) my account verified , im excited about being able to finally apply for a loan and boom my heart breaks a message pops up “ saying basically there’s to many people asking for loans , they need to be taken first “ which nothing the whole time or emailed , nothing about this was brought to my attention. So after all this time trying to get my account together , I can’t use your website. Which to me was disappointing because not only was I not told any of that! Nothing was emailed , no warning , nothing. I really want to use your website so bad! I’m doing this comment because I’m hoping someone will read it and get back to me. Although I would love to win the $100 , I would be happy with just a reply back and able to use your site. Thanks for your time!

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I registered for an account and received a “verified” by all possibly required profile information I provided. Unfortunately, when attempting to get my rates (which I guess is the first step in the loan application process) I keep getting a message that tells me “cannot process at this time... contact customer service”. I expected that since the message gave me no other direction, I would receive that once I contacted CS, but no... instead they tell me to verify everything on my account or to get in touch with my bank??? Why would my bank know why your app is not working for me? Is it my credit? My documents not acceptable? No available loans? Some direction and actual customer support would do this app wonders! With the lack of support, no direction within the app to walk you through the processs and what requirements are expected, etc., this app is starting to feel like a scam where they collect all this personal info on a bunch of individuals, while issuing select loans to seem legit. I have emailed the company asking to remove my personal information since I cannot get in touch with any legitimate support staff outside of one vague response on a CS ticket I put in. My advice, DO NOT USE THIS APP!!!! Not worth the anxiety...