If you mis-represent the initial letter, and waste my time, it will be one star all day.
1. Loan offer? / False: Pushed for Debt consolidation after asking me what I needed the money for (none of your business by the way since you contacted me via mail).
2. 4.5% APR / False: Unwanted Loan Consolidation was 4.9% ( Don't act like you are doing me a favor, this is offensive).
3. Pushy Sales tactics. Finally had to block the email address and phone number. After I ran the numbers, it was simply cheaper for me to pay everything off my self in 14 months instead of having Lunna stretch me a period of 5 years (even if there is not penalty for early payoff).
4. Started getting unwanted phone calls from other debt consolidation company's after dealing with Lunna Loans, although I am on the "Do not call register". Coincidence? I can neither confirm or deny.