24-7 Group

Initial Business Response / [redacted] (1000, 6, 2015/09/02) */ Contact Name and Title: [redacted] Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @bills.com It is not clear to me how the complainant feels he was misledI reached out to him via phone and email, more than once, but did not hear back from him with further details We have a clear disclosure on the page at our site that asks for a phone numberIt reads, in part, "We take your privacy seriouslyYou are providing express consent to share your information with up to five Bills.com Network Lenders, and for Bills.com, parties calling on behalf of Bills.com, or an authorized third party on their behalf to call you (including through automated means; e.gautodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS) and/or email, even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list." As soon as we received a request that calls stop, we reached out to the lenders with whom we shared the complainant's phone number, requesting that they stop calling Additionally, my associate spoke with the complainant's wife, explaining the steps we took We make it easy to contact usOur phone number is on every page at The Easy Loan SiteI am responsible for the calls that came in and no call is ignored Regarding the issue of not seeing rates, I checked with our engineering and product team and they assured me that a "loan options" page would have displayed offers from two lenders in our networkThey did stress that it is possible for a user to exit the system before they display and not see them I am still available to speak to the complainant about any issues I did not address to his satisfaction Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/09/03) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Always a pleasure to work with

Initial Business Response /* (1000, 5, 2015/10/09) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@bills.com
The complainant's contact information was left at our website, without her permissionThis lead to two lenders in our lending network
contacting her, to review options for refinancingIt is understandable that this would cause confusion and concern, even though no loan application was taken by anyone
As soon as we were aware that she did not make the inquiry, we notified the lenders to not contact her again and added her contact information to our own Do Not Contact list
I just had a very pleasant conversation with the complainant in which I answered all her questions

Great company to work with Strong service levels and ethics

Initial Business Response /* (1000, 9, 2014/11/25) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@bills.com
We responded to the complainant right after receiving his complaint
We immediately took the step he listed in his desired resolution
We closed his record, insuring he would not be contacted by our firm againWe also contacted the lenders with whom we shared his information requesting that no one contact him by phone or email
Complainant acknowledged in an email to us that he appreciated that we took these steps
The complainant is upset that he did not see rates at our siteOur desire is that every visitor to our site would see ratesHowever, in order to show accurate rates, we need to do a soft pull on a consumer's credit report(A soft pull has no effect on a person's credit score.)
In the complainant's case, he would have seen rates, as he gave us permission to do a soft pull of his credit, except for the fact that the name he left at our site was not his full nameLacking the information on the report to display accurate rates, we have lenders contact the consumer, so they can do so
Regarding the issue that it was not until after he left his information at our site did he get a message that he would be contacted by lenders, we have a clear disclosure on the page that asks for a person's contact information that they could be contacted by up to five lenders
Initial Consumer Rebuttal /* (2000, 11, 2014/11/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the responseThat does not mean that I feel the company is not a scam and data mining under pretensesI was directed to that page under one set of assumptions that turned out to be different than that of the site itselfThat's a scam

Initial Business Response /* (1000, 5, 2015/02/18) */
The day we received the complaint, I took the necessary steps to implement the complainant's desired resolution.
1. I contacted loanDepot, requesting that they don't contact the complainant again.
2. loanDepot did not pull the...

complainant's credit.
3. I entered complainant's information on our firm's Do Not Contact list, so he will not be contacted by our firm again nor share his information with any other business.
I would like to address a few points made in the body of the complaint.
Our firm did not check complainant's credit.
Complainant is upset that his information was shared with lenders. We have a clear disclosure on the page that asks for a person's phone number that includes the following, "By clicking 'See My Rates' you authorize up to five lenders from our Approved Lender Network to contact you with great mortgage offers, by phone, text, email, mail or an artificial or pre-recorded voice even if you have listed yourself on any company, state or federal Do-Not-Call List."
If the complainant had exited the site at that point, then he would not have been contacted by any lenders and his information would not have entered our system.
The complainant states that the loanDepot has "a F rating with the Revdex.com." I see an A+ rating when I did a search: http://www.Revdex.com.org/sdoc/business-reviews/loans/loandepot-com-in-foothill-...⇄ /> I made repeated attempts to reach the complainant, via phone and email, so I could make sure I addressed all his concerns to his satisfaction, but he has not responded to my emails or voicemail messages.

Initial Business Response /* (1000, 5, 2015/05/06) */
Contact Name and Title: [redacted] Analyst
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@bills.com
We spoke with [redacted] yesterday, May 5, 2015 in regards to her complaint. It appears a 3rd party had entered her...

information into our website resulting in calls from lenders within our network. The lenders who received her information have been contacted and requested to discontinue all contact with [redacted]. The actions taken were communicated to [redacted] as well as confirmed in an email. [redacted] is satisfied with the actions we have taken.

I have received 3 phone calls today regarding my inquiry to refinance my home from 3 different mortgage companies. I never inquired to refinance my home and I have no desire to refinance my home. The mortgage companies said that they received my contact information from Bills.com. I have never been on that website until now to research who they are. By reading the reviews, it looks like this happens quite often. I am extremely uncomfortable having my personal information in the hands of mortgage companies without my permission. This should be illegal and needs to be stopped. I am unclear how a company with 10 reviews - all complaints can have an A+ rating from the Revdex.com. Is the Revdex.com also a scam?

My company has purchased mortgage leads from Bills.com for many years. I have always received the best service and most valuable advice from my representative. I would recommend their services to any business professional looking to build a lasting partnership.

Initial Business Response /* (1000, 5, 2014/08/11) */
The complaint raises several issues. I will address each one.
The most serious allegation in the complaint is that our firm pulled the complainant's credit report without his permission.
Our records show that there was no credit...

pull whatsoever.
I have tried repeatedly to reach the complainant, to get more information and help him figure out what happened, but he has not returned any of my calls. I have tried both numbers he left with the Revdex.com multiple times, starting on the day we received the complaint, August 1st, and numerous times since then.
As to whether anyone else pulled his credit, that could only be done if he gave them explicit permission. No lender in our network can pull credit for a person based on the information we provide it.
We are eager to help the complainant figure out what happened, but can't assist him if he chooses not to communicate with us.
Initial Consumer Rebuttal /* (3000, 7, 2014/08/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I work long hours and talking on the phone will not solve this. I did not answer the tele because bills.com was one of 10-20 calls I was getting a day and no calls were answered from out of state unless we knew the number.
I already know what happened, somehow the website got my information, possibly put in by another person by chance ? and the information was fwd to lenders and that's where the domino effect began. 1st was quickbooks to call, I asked where they got the information, I accepted 4 of the calls and asked where they got my information, all same. so the question is not how these lenders got my information, we know this,.
One of 2 things is going on, 1 someone put my information into the bills.com site, or 2 a bigger scheme going on.
I have responded to bills.com emails I received and told them, I want to know where and how they got my information, look on server and get IP, etc... I know this is very simple. Look on the submitted information.

DO NOT say I have not responded to you at your repeated attempts to contact me. here is a copy of email I responded to you on 8-01-14.
RE:
Thank you for the reply, So far today I have got 16 calls about refinancing my house. I see you were one of the calls.
Let me assure you I did not put my info into your website, could this perhaps done by someone else? That is why I am freaked out.
by what I can gather, it seems I am now on a list that went out everywhere and the few I have talked to said they got their information from your site. It appears my information was added via your website and from there the information went elsewhere. It got sent to a few lenders and one of them put me on a list that went to yet more lenders it appears. Seems robo calling.
As of last night I had a few new soft inquires on my credit report from a few unknown places and currently tracking them down since they did not leave a tele number on the inquiry.
Thank you for removing my information, any information about the form submitted will be appreciated. Our network has been hacked before and I am just looking to know how this information got to you.. more than, "a form submitted online" answer.
Final Consumer Response /* (2000, 10, 2014/08/12) */
This can be closed because I feel the bills.com associate "[redacted]" has been truthful as best he can. I know servers and if he does not know ins and outs of servers / hosting / security, this information may be very difficult to get besides the basic information a website owner gets.
I just wanted to know the servers details of the submitted information. That would have told me all I needed to know.

Initial Business Response /* (1000, 8, 2014/09/18) */
The complainant rightly alerted us to a flaw that arose in our system, where he had unsubscribed yet continued to receive emails. We fixed the problem and have communicated with the complainant. The complainant affirmed to us that we...

addressed his complaint to his satisfaction.
Initial Consumer Rebuttal /* (2000, 10, 2014/09/29) */
Ms. [redacted], Revdex.com:
Regarding my complaint against Bills.com, [redacted] has been assisting me to resolve an issue with being unable to unsubscribe from emails through the website. After researching a network communication problem, he has successfully corrected the issue so that I will no longer receive emails. I appreciate that he kept me informed of the progress, and he was diligent until this was corrected.
I consider my issue to have been resolved by [redacted], and I have had no further problems.
Thank you,
[redacted]

Initial Business Response /* (1000, 6, 2015/09/02) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@bills.com
It is not clear to me how the complainant feels he was misled. I reached out to him via phone and email, more than once, but did not hear...

back from him with further details.
We have a clear disclosure on the page at our site that asks for a phone number. It reads, in part, "We take your privacy seriously. You are providing express consent to share your information with up to five Bills.com Network Lenders, and for Bills.com, parties calling on behalf of Bills.com, or an authorized third party on their behalf to call you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS) and/or email, even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list."
As soon as we received a request that calls stop, we reached out to the lenders with whom we shared the complainant's phone number, requesting that they stop calling.
Additionally, my associate spoke with the complainant's wife, explaining the steps we took.
We make it easy to contact us. Our phone number is on every page at The Easy Loan Site. I am responsible for the calls that came in and no call is ignored.
Regarding the issue of not seeing rates, I checked with our engineering and product team and they assured me that a "loan options" page would have displayed offers from two lenders in our network. They did stress that it is possible for a user to exit the system before they display and not see them.
I am still available to speak to the complainant about any issues I did not address to his satisfaction.
Initial Consumer Rebuttal /* (2000, 8, 2015/09/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)