FIRST DIRECT LENDING, LLC

Company Details

Name:	FIRST DIRECT LENDING, LLC
Legal type:	Foreign Limited Liability Company
Status:	Inactive
Standing:	Good
Profit or Non-Profit:	Profit
File Date:	30 Dec 2015 (9 years ago)
Authority Date:	30 Dec 2015 (9 years ago)
Last Annual Report:	23 Apr 2018 (7 years ago)
Organization Number:	0940240
Principal Office:	120 NEWPORT CENTER DRIVE, NEWPORT BEACH, CA 92660
Place of Formation:	CALIFORNIA

Registered Agent

Name	Role
KY SECRETARY OF STATE	Registered Agent

Manager

Name	Role
Dave Brown	Manager

Licenses

Department	License Number	License Type / Line of Authority	Status	Issue Date	Effective Date	Inactive Date	Expiry Date	Address
Department of Financial Institutions	MC354448	Mortgage Company	Closed - Surrendered License	-	-	-	-	120 Newport Center DiveNewport Beach , CA 92660
Department of Financial Institutions	MC364517	Mortgage Company	Closed - Surrendered License	-	-	-	-	9250 NW 36th Street Suite 350Doral , FL 33178
Department of Financial Institutions	MC364207	Mortgage Company	Closed - Surrendered License	-	-	-	-	5225 W. Wiley Post WaySuite 125Salt Lake City , UT 84116

Assumed Names

Name	Status	Expiration Date
REFI.COM	Inactive	2022-01-01

Filings

Name	File Date
App. for Certificate of Withdrawal	2018-08-28
Annual Report	2018-04-23
Certificate of Assumed Name	2017-12-08
Annual Report	2017-05-01
Annual Report	2016-03-09
Certificate of Authority (LLC)	2015-12-30

CFPB Complaint

Complaint Id

Date Received

Issue

Product

3784103

2020-08-07

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan

Issue	Charged fees or interest you didn't expect
Timely	No
Company	First Direct Lending, LLC
Product	Payday loan, title loan, or personal loan
Sub Product	Installment loan
Date Received	2020-08-07
Submitted Via	Web
Company Response	Untimely response
Consumer Disputed	N/A
Date Sent To Company	2020-08-17
Complaint What Happened	I applied for a loan with XXXX XXXX. I fell behind in some of my payments and the loan was sent to another creditor, First Direct or XXXX XXXX XXXX. I signed a contract on XX/XX/2020 with First Direct, to pay {$200.00} bi-weekly, and on one of the payments ( used my debit card ), there were several other fraudulent charges after First Direct posted a payment. My debit card was locked and I had to wait several days for another card. I again fell behind on a payment, because I did not have access to my checking account, I started receiving threatening calls from XXXX XXXX with First Direct or XXXX XXXX XXXX, then more threatening phone calls that I was going to be arrested. I was told that I could not set up payment arrangements, that I would be arrested by XXXX XXXX, who stated he works for XXXX XXXX XXXX. The balance on the {$800.00} loan was {$1300.00}, and I paid {$400.00} towards the balance. I was told by XXXX XXXX that I had to pay {$1500.00} and the that the {$400.00} that I paid was no good anymore because I defaulted on the loan. I explained to Mr. XXXX that his company released my debit card information, or an employee at their company had my debit card information, and they were making fraudulent charges to my account. I was told that this was being investigated. I am not sure if this company is legitimate, but I was told by the original creditor XXXX XXXX that First Direct had the loan now. I have been threatened, hung up on when trying to resolve this matter, and threatened that I would be arrested for writing a bad check.I called for several days to resolve this issue, but I was told by Mr XXXX XXXX, that I could not set up any arrangements, that a warrant for my arrest was being issued. I never wrote a check XXXX XXXX, this was a loan. I have been affected by COVID - 19 and this company has unethical business practices.
Consumer Consent Provided	Consent provided

Sources: Kentucky Secretary of State