Resources for resolving common issues with Earnest Inc. products and services
The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives.
The CFPB will forward your complaint to Earnest Inc. and work to get a response. After your complaint is forwarded, Earnest Inc. has 15 days to respond to you and the CFPB. Earnest Inc. is expected to close all but the most complicated complaints within 60 days.
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Earnest Inc. Student loan getting a loan qualify for a better loan than offered August 3, 2016 - I applied for a student loan re-finance with Earnest. They are advertising a 3.5 % APR as the lowest fixed rate. I earn well into -, have a - -, no other debt other than a 2015 car with a loan of approximately 50 % LTV and a $1200.00 mortgage, 10+ years of work experience, - - with no late or negative information. They offered me over 5 % as the best APR, which is congruent with the non-fintech market rate. I firmly believe that this company is engaged in false advertising of the 3.5 % APR. The explanation for the credit offering of 5+ % did not hold water, given the aforement... |
Earnest Inc. Student loan getting a loan can't qualify for a loan December 17, 2015 - I applied to have my student loan refinanced with " Earnest '' and the company quoted me at a rate of ~5.2 %, but when the loan was approved the rate was increased to 6.86 % with not explanation even though I have an " Excellent '' credit score. And when I asked the representative to investigate why the rate changed she said she would check with the underwriting department and get back to me. That was two weeks ago and now she is ignoring me. This is a classic example of " bait & switch. '' ... |
Earnest Inc. Student loan getting a loan August 7, 2015 - Dear Madame/Sir : I am writing to you in regards to a recent student loan refinance application I submitted to Earnest Operations, LLC, - - -, - -, CA. - NMLS # -, operating at the following internet address : www.-.com. I submitted an application on their website on - -, 2015, and uploaded all required information and additional documents to refinance the current balance of my student loans ( $ - ) and lower my current interest rate from 7 % to what - is currently offering ( 1.90 % ) for a variable rate. I received an email from - '' who advised me to e... |