Symple Lending

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• Official website: https://symplelending.com/
• Customer service (Terms of Use contact block): 866-315-2175
• Customer service (Terms of Use contact block): [email protected]
• Privacy and SMS opt-out requests: [email protected]
• BBB-listed phone: (855) 407-7458
• Trustpilot-listed phone: 888-796-7538

Locations

Symple Lending: what to do about calls, texts, offers, debt-relief referrals and complaints (checked October 11, 2026)

Symple Lending, LLC runs symplelending.com. Its Terms of Use (last updated January 2025) say that clicking a button such as "Access Your Offer" means "you are submitting a request to be connected with one of our third-party advertisers or lenders", while its footer says "Symple Lending, LLC is a Utah licensed lender under the Utah Department of Financial Institutions (NMLS #2508833)". Read any offer you receive for the name of the actual lender, the APR and the fees before you accept it.

Stop calls and texts. The Terms (Section 10) say you can opt out of SMS "by replying STOP to any message you receive", or through customer service at [email protected], 866-315-2175, or by mail to 3351 Michelson Drive, Suite 400, Irvine, CA 92612. The same section says that by giving a phone number you consent to "calls and text messages from Symple Lending, including those made using an automatic telephone dialing system or prerecorded voice", and that messages average about 2 per day. The site also has a "Do Not Sell or Share" opt-out page. The Privacy Policy (last updated February 2025) goes further: submitting a name and phone number is described as consent that Symple Lending "along with its agents, assigns and listed partners" may call and text, including with an automatic telephone dialing system, prerecorded messages and "artificial/AI voices"; it adds that "Consent is not a condition of purchase and you may opt-out later". If calls continue from a partner, ask that caller to stop separately.

Contact the company. Terms Section 19 lists [email protected] and 866-315-2175 with the address above. The BBB profile lists a different number, (855) 407-7458, which is BBB-listed rather than taken from the company's Terms.

If you were referred to a debt-settlement or debt-relief company. Some Trustpilot reviewers and a BBB complainant describe being offered a debt-settlement or similar program after contacting Symple Lending. The BBB complaint dated August 24, 2026 says the consumer was "encouraged to enroll in Symple Lending's Freedom Program instead" of a personal loan, and the company's BBB response dated August 25, 2026 refers to the client having "elected to continue with the program, including adding additional accounts to their enrollment"; neither says who runs the program. The loan pages of symplelending.com opened on October 11, 2026 describe personal and consolidation loans and do not name a debt-settlement program (this is not a finding about any specific referral). The CFPB's debt relief page (last reviewed August 28, 2023) says: "Avoid doing business with any company that promises to settle your debt if the company: Charges any fees before it settles your debts". It also lists risks, including that "Debt settlement companies often charge expensive fees" and that stopping payments to creditors can lead to late fees and stepped-up collection. The FTC's page on getting out of debt says that before you sign up the company "must tell you the fees, any conditions, and terms of service" and that "A debt settlement company can't collect its fees from you before they settle your debt." Ask any company you are referred to for its fees in writing and who is actually providing the service.

Where to file a complaint. After contacting the company, you can complain to the CFPB (consumerfinance.gov/complaint), the FTC (reportfraud.ftc.gov), your state attorney general or state financial regulator, and BBB. Unwanted calls and texts can also be reported to the FTC. The BBB profile also lists the California Department of Financial Protection & Innovation (DFPI), (866) 275-2677, under "Other Resources".

Who runs Symple Lending, what it offers, and what its own documents say

Operator. The Terms of Use say "The Site is owned and operated by Symple Lending, LLC" and give its address as 3351 Michelson Dr Suite 400, Irvine, CA 92612. The BBB profile for Symple Lending LLC lists the same address and a Limited Liability Company entity type. The Terms do not call that address a headquarters: Section 9 says the agreement is governed by Florida law "where Symple Lending's principal place of business is located" and consents to "the exclusive jurisdiction and venue of courts in Florida", and the careers page lists a Tampa Bay office (Tampa, FL) and an Irvine office. The BBB profile names "Mr. Houston Fraley, CEO" under business management.

What it says it does. The homepage offers personal loans and consolidation loans (a home improvement loans page also exists) with "starting rate" 6.99 percent, and says users can "Compare personalized offers from multiple lenders" with "No impact to your credit score to check your rate". It shows a table headed "Sample Personal Loan Offers" naming SoFi, Prosper, Upgrade and Best Egg and notes "Sample offers shown. Your actual offers may differ". The footer lists partners' licensing information: Achieve Personal Loans (NMLS #227977), HELOC from Achieve Loans (NMLS #1810501) and ML Enterprise Inc., a.k.a. Engine by MoneyLion (NMLS #1475872). The footer also says offers reached through a paid Google or Bing ad "feature rate quotes on Symple Lending of no greater than 35.99% APR with terms from 61 days to 180 months" and gives an example: a $10,000 loan for 36 months at 10 percent "would be equivalent to $11,616.12" in total. The homepage's term claims differ between sections ("24 mo to 84 mo" in the feature list, "Up to 60 months" and "Up to 72 months" in the product blocks). The Terms do not state any fee charged to consumers by Symple Lending itself; check each lender's offer for fees.

Licensing. The company states it is a Utah licensed lender (NMLS #2508833). The lookup of that NMLS record was not completed: the NMLS Consumer Access page returned a verification step on October 11, 2026 that this check did not complete, so the licence status is the company's statement and not independently confirmed here.

Dates differ by source. The About Us page says "Founded in 2022". BBB's raw page data gives business started January 6, 2021, incorporated January 31, 2023, BBB file opened September 16, 2021 and BBB accreditation September 27, 2021. Court dockets name a "Symple Lending, LLC" as early as December 2021 (see the litigation section); the dockets' entries read do not state whether that is the same legal entity as the Irvine entity above.

Trustpilot description. Trustpilot shows a company-written description saying Symple Lending "is an innovative financial services company that is focused on providing solutions to consumers to reduce their debts", which is broader than the loan-only description on its own website.

Look-alike names. Other businesses use similar names. A federal complaint filed by Symple Lending LLC on July 31, 2026 (voluntarily dismissed without prejudice on September 8, 2026) names defendants "Symple Path Lending" and "Simple Path Financial, LLC" (see the litigation section). Check the exact domain, NMLS number and address before sharing personal data.

Complaints and reviews about Symple Lending: BBB, Trustpilot, CFPB (as displayed October 11, 2026)

Counts below are as displayed on October 11, 2026, come from different sources with different rules, and are not added together or compared with each other.

• BBB (profile for Symple Lending LLC, Irvine, CA): BBB Accredited, rating A+. BBB shows 45 total complaints in the last 3 years and 15 filed in the last 12 months. By BBB's complaint-type filter the 45 are: Service or Repair Issues 12, Billing Issues 9, Order Issues 7, Product Issues 7, Customer Service Issues 4, Sales and Advertising Issues 4, Delivery Issues 2. By status, 39 are "Complaint Answered" and 6 "Complaint Resolved". BBB also shows 4.12/5 stars from an average of 341 customer reviews. BBB's business categories include "Debt Consolidation Services". One displayed complaint (August 24, 2026, Customer Service Issues, "Answered") says the consumer sought a personal loan and was "encouraged to enroll in Symple Lending's Freedom Program instead"; the company's response of August 25, 2026 says a team member reached out and that the client "elected to continue with the program". A 1-star BBB review dated October 6, 2026 says the ad promised loans "not a debt relief company that negotiates with the creditors". These are individual accounts and the company's reply, not findings.
• Trustpilot (symplelending.com): 4.9 from 10,640 reviews, 5,534 of them in the last 12 months, with 95 percent shown as 5-star and 2 percent as 1-star. The page shows a claimed profile with a paid Trustpilot subscription, says the company invites customers to review "whether positive or negative", and says it replied to 94 percent of negative reviews. One displayed review dated August 4, 2026 describes a debt settlement company the reviewer says Symple Lending's staff recommended and fees the reviewer says that company charged; it is one customer's account and is not verified by this site.
• CFPB Consumer Complaint Database: a company-name lookup for "Symple", "Simple Lending" and "Symple Lending" returned no company entry on October 11, 2026, so no CFPB database complaint count is given here. CFPB accepts complaints about financial products even where the company does not appear in the public lookup.

This site has no complaints in its own archive about Symple Lending as of October 11, 2026, so none are linked to this profile.

Court dockets that name Symple Lending (Justia dockets, opened October 11, 2026)

A Justia party search for "Symple Lending" on October 11, 2026 returned eight federal dockets. Docket pages carry a "last retrieved" date and may lack later entries; the summaries below state only what the entries read show. A complaint or a lawsuit is an allegation, not a finding.

Consumer-protection cases in which Symple Lending is a defendant.

• Betts v. Symple Lending LLC (S.D. Fla., No. 0:25-cv-60114): filed January 20, 2025, nature of suit Telephone Consumer Protection Act (47 U.S.C. section 227). The entries displayed show the complaint and a summons; none later. Justia's copy was last retrieved January 21, 2025; the current status was not determined.
• Turizo v. Symple Lending LLC (S.D. Fla., No. 0:24-cv-61274): filed July 18, 2024, same statute. The entries displayed show the complaint and a summons; none later. Justia's copy was last retrieved July 18, 2024; the current status was not determined.
• Chaples v. Symple Lending, LLC, Evvo Financial, LLC and Alperstein & Associates, LLC (S.D. Ohio, No. 2:24-cv-01501): filed April 1, 2024 under the Fair Credit Reporting Act (15 U.S.C. section 1681). A notice of voluntary dismissal by the plaintiff is entry 2, dated May 21, 2024.
• Adkins v. Symple Lending, LLC, Beyond Finance, LLC and Five Lakes Law Group, PLLC (S.D. Ohio, No. 2:23-cv-01311): filed April 13, 2023 under the Fair Credit Reporting Act. The eight entries displayed run through April 17, 2023 (complaint, summonses, waiver-of-service requests); none later. Justia's copy was last retrieved April 17, 2023; the current status was not determined.

Trademark cases.

• Eric J. Troutman and Troutman Amin, LLP v. Symple Lending LLC (C.D. Cal., No. 8:25-cv-01181): filed May 30, 2025, 15 U.S.C. section 1114 trademark infringement. The plaintiffs applied ex parte for a temporary restraining order; the court granted it (amended order June 5, 2025, "AMENDED AS TO BOND") and set an order to show cause. On June 18, 2025 the court "DENIES the motion for preliminary injunction". Symple Lending answered with a jury demand on June 24, 2025. An August 20, 2025 scheduling order (entry 33) set a jury trial for October 27, 2026. The newest district entry Justia displays is a panel-mediator assignment on October 23, 2025, so any later district activity, including whatever order was appealed, is not shown there. Ninth Circuit No. 26-3924 (Troutman et al. v. Symple Lending, LLC) was opened June 18, 2026 and docketed as a "PRELIMINARY INJUNCTION SCHEDULE NOTICE" appeal from 8:25-cv-01181 (briefs due July 16 and August 13, 2026). The appellants moved to dismiss on June 24, 2026 and an order of June 26, 2026 granted that motion under Fed. R. App. P. 42(b), each side bearing its own costs; the Ninth Circuit docket does not say which district order was appealed. The entries read do not state which mark is at issue.
• Symple Lending LLC v. Symple Path Lending, Simple Path Financial, LLC, Bradley Weston Smith and Does 1-20 (C.D. Cal., No. 8:26-cv-02077): filed July 31, 2026 by Symple Lending LLC as plaintiff, 15 U.S.C. section 1114 trademark infringement. Thirteen entries are displayed. The newest, dated September 8, 2026 (entry 13), is a notice of voluntary dismissal filed by Symple Lending LLC; the docket says "Dismissal is Without Prejudice". The docket records no ruling on the merits.

Business-to-business case. DMB Financial, LLC v. Symple Lending, LLC and Beyond Finance, LLC (D. Mass., No. 1:21-cv-12065) is a diversity breach-of-contract case that Symple Lending removed to federal court on December 17, 2021. The plaintiff moved for a preliminary injunction the same day; Symple Lending opposed it and moved to dismiss on January 3, 2022. A corporate disclosure statement filed March 10, 2022 "identifying Corporate Parent Blackstone Holdings Group, LLC for Symple Lending, LLC" appears among the 33 entries displayed; none records a ruling on the motions. Because that docket does not give the defendant's address, this page does not treat it as established that it is the Irvine-based entity.

Symple Lending's Terms of Use (Section 6) contain a binding-arbitration clause and (Section 7) a class action waiver for disputes arising from the Terms, the site or the services; Section 6 says it does not apply to covered members of the armed forces and their dependents where the dispute involves consumer credit under the Military Lending Act, and either party may bring a qualifying claim in small claims court in Hillsborough County, Florida. Section 6 also says that in any action or arbitration concerning the Terms, the site or the services "the prevailing party shall be entitled to recover its costs and reasonable attorney's fees", and Section 9 selects Florida law and Florida courts.

Is Symple Lending Legitimate?

Symple Lending, LLC publishes a legal name, a street address in Irvine, California, a phone number, an email address and an NMLS number (#2508833), and states that it is a Utah licensed lender. A BBB profile exists for Symple Lending LLC at the same address, showing BBB Accredited and an A+ rating as displayed on October 11, 2026. The licence statement was not independently confirmed here because the NMLS Consumer Access lookup did not complete; verify it yourself at nmlsconsumeraccess.org.

The record also includes 45 BBB complaints in the last 3 years, eight federal dockets that name the company (several consumer-statute claims, one of which was voluntarily dismissed, trademark cases and a commercial dispute; two of the eight were ended by the plaintiff's voluntary dismissal), a BBB complaint and company response about a "Freedom Program", and Trustpilot reviews, some of which mention debt-related help and one of which describes a referral to a debt-settlement provider. No CFPB or FTC enforcement action against Symple Lending was identified in the sources checked on October 11, 2026 (a CFPB enforcement actions title search for "Symple" returned no results; an FTC Cases and Proceedings search for "Symple" returned no results). Absence of an action is not a finding either way.

What to verify before applying: the name of the lender that actually makes the offer, its NMLS number, the APR and fees in the written offer, and whether you are being asked to enrol in a debt-settlement program rather than take a loan.

Court & Public Records

Frequently Asked Questions