Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and the matter has been resolved Sincerely, [redacted]
Behalf Inchas received details of customer complaint ID [redacted] ( [redacted] [redacted] ) from the Revdex.comWe are committed to making a good faith effort to resolve any consumer complaint and offer our formal responses to the customer’s statement of the problem in the attached letter to the Revdex.com
We have reviewed our files in greater depth and discovered that the individual had actually opened not one, but two accounts with our company under slightly different names.The information we provided in our prior response is correct and we stand by itHowever, that first response pertains to the following name and company: [redacted] [redacted] ***We have now determined that there was a second account opened on January *, under this name and company: [redacted] The second account, in addition to having a different spelling of the first name and different company name, also used a different email addressIt was opened directly by this individual by submitting an application on our websiteHe was requested to, and did provide his Social Security Number to us, as a needed step in opening an accountIn so doing, he accepted our company’s Terms of Use Acceptance of our Terms of Use empowers us to conduct a customer credit review to assure accurate reflection of current credit position and includes the completion of a hard hit credit inquiry.The Terms of Use are clearly posted on our main web page at all times and it is impossible to activate an account without acceptance of the terms (https://www.behalf.com/terms):Due DiligenceYou understand that when you applied for an online account through this website you authorized Behalf to conduct background, onsite and financial examinations as governed by the Fair Credit Reporting Act (FCRA)You have consented to allow Behalf to conduct background and financial examinations of you, which may include, but is not limited to, address verifications for up to ten (10) years; querying a commercial and consumer credit history and score from any credit bureau, searches of any and all relevant publicly available information hosted on the world wide web; and a search for bankruptcies, liens or judgments in all jurisdictions where you have conducted businessYou authorize Behalf, at its sole discretion, to report your personal and business credit to credit bureaus.Unfortunately, in the case of this second account, our evaluation criteria led us to conclude that we would be unable to offer him funding at that timeOur Suggested Resolution: Out of respect for the fact that the individual has disclosed that he is a disabled veteran, if he is willing to withdraw this complaint we would be willing to take steps to remove the credit check from his credit report
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and the matter has been resolved Sincerely, [redacted] ***
As stated in our initial response to complaint ID# [redacted] : “In an effort to help resolve any issues raised by this customer, we are willing to request the removal of the hard hit credit bureau inquiry in exchange for his removal of this complaint to the Revdex.com.” The customer is of the opinion that we made credit inquiries to three business credit bureausThis is not correctOur sole inquiry was to ExperianWe have already requested removal of this inquiry
Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: Contingent on the removal of inquiries on all three credit reports In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***
In responding again to this customer, we wish to state that as a lending institution engaged in purchase finance, we engage in, and are entitled to perform, credit evaluation activities that call into play evaluation criteria, a variety of information sources and proprietary models that we have developed to assist in decision-makingIn responding specifically to the customer’s latest inquiry, he went through a pre-approval process via another vendor that we work with, provided his Social Security number and we then completed a credit review which precludes our being able to offer him a credit line at this time
We are a Merchant Cash Advance provider serving small businessesWe advance payments for business-related purchases directly to vendors on behalf of the customerThe customer’s complaint revolves around the issuance to her of a single-use digital credit card in order to complete an advance to one
of her vendorsThe vendor encountered problems with the use of the virtual credit card preventing completion of the transaction and therefore a delay in the advance of the funds to cover the customer’s purchase In an email sent to the customer on October **, we noted that the vendor seemed to be having difficulty understanding how to make use of the digital credit card throughout the timeframe that the customer was trying to close the transactionThe card is designed as a single-use card, meaning it can only be ‘swiped’ one time for the total amount of the transactionInstead, the vendor was ‘swiping’ individual items for the orderThis caused the card to, in a sense, shut down after the first item was 'swiped'. In addition, an account manager at our company appears to have mistakenly assumed that the vendor would understand the problem and cancel the initial 'swipe', thus allowing the card to be re-used for its full valueWe have already acknowledged that these issues delayed the closing of the transaction, and ultimately led to the customer’s request to cancel itIn our email to the customer, we voiced our regret for the amount of time that passed and offered to speak with her directly, if desiredMost importantly, we wish to point out that the customer’s request to cancel the transaction was processed on October and the full amount of funds utilized from her credit line were then restored immediately for her future use, thus resolving her primary complaint Two final points in response to the customer’s comments: 1- Behalf does, in fact, maintain a customer service phone numberIt can be easily obtained by accessing our web page, scrolling to the bottom, and clicking on the word “Contacts”2- It is our practice to report monthly to the major business credit bureaus such as D&B, Experian and Equifax as a means of helping customers build and improve their credit positionWe have recently become aware that there are delays in the business credit bureaus' posting of information that we provide to them and are currently working to resolve this issue for the benefit of Behalf customers. Tell us why here
Behalf Inchas received details of customer complaint ID # *** (*** ***) from the Revdex.comWe are committed to making a good faith effort to resolve any consumer complaint and offer the following response to the customer’s statement of the problem: We are a merchant
cash advance provider serving small businesses throughout the U.SWe advance payments on behalf of the customer directly to their vendor and then the customer designs their own debit schedule for each individual purchase transactionWe then draw funds from their bank account according to this scheduleOver a period of time the customer had provided us a number of bank accounts from which he had requested that debits be drawn. As late as last week during the time that this complaint was registered, the customer reached out to us to clarify from which bank future debits should be withdrawn. As is our practice, we have identified the requested account as the customer's primary account, and have removed the other accounts also as per his requestTherefore, we believe that we have met the request of the customer as described in his Revdex.com filing
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
How did you access any commercial or consumer credit history without any information pertaining to verification of any measureable input needed? (i.eSSN or any other contributing factor?) I don't care how long you've spent perfecting your algorithm, I asked one specific question and you've yet to answer it
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
Behalf
appreciates the opportunity to respond to our customer and would like to start
by reminding her that we are an on-line purchase finance company serving small
businessesEssentially what this means is that we are paying funds on her
behalf directly to her suppliers and vendors for goods
or services that she
needs to run her business.To
date, we have funded separate transactions on behalf of this customer, of
which are still in repayment mode. It
is important to note that in order to open a Behalf account and make use of our
services, a customer agrees to our Terms of Use obligating them to make timely
repayments for the funding we provide to pay their suppliers and vendorsTherefore,
each time we pay on behalf of the customer, she has entered into a contractual
obligation to repay according to agreed-upon terms.At the
time of a request for transaction processing, it is the customer who selects, and
agrees to, a specific repayment schedule to our companyDates are set when
specific amounts are required to be repaidIn this instance, the customer writes
that she had sought, and we generously granted her, repayment defermentsWe freely recognize
that many of our customers are starting new businesses, which are subject to unanticipated
pressures and changing conditions, and have been more than willing to work with
them to restructure repayment plans and help them improve their credit standing
However, this does not mean that we are obligated
to agree to deferrals every time they are requestedNor does it mean that the
customer is given the right to re-determine how much they wish to repay and when they
will repay us for funds we have advanced on their behalfIt is clearly at the
discretion of the lender to decide if they wish to allow deferral of contractually
obligated repayment dates, not the customer.With
regard to the specifics of this customer’s complaint, a last minute email,
received late on November **, 2015, requested that Behalf move all of the next
week's loan payments to the end of the agreed-upon repayment scheduleBased on this request, we took steps to help the customer
out and assure that no repayments for her outstanding transactions were taken
during the period November ***The only exception was a single repayment for
$which was processed before we received her email and so nothing could be
done about deferring itNo other payments were processed during the period of
"the next week" as she requested, which covered the period November ** * **In summary, in an effort to assist this customer, we moved all the
repayments to November or laterConsequently,
we believe we have acted responsibly and demonstrated clear concern to assist
the customer despite her violation of the terms of repayment for funds owed to
usWe also believe that her demand for our reimbursement to her of her bounced
check fees and repayments contractually due to us are clearly inappropriateFinally,
the customer’s accusation that we do not list a phone contact number anywhere
on-line is totally falseIt is easily found by looking in our FAQ, which is
posted at the top right hand corner of our web page
We are an on-line purchase finance company serving small businesses throughout the U.SAn account application was opened, under the name and Social Securitynumber of this customer, on December **, In order to complete an application for a credit line, the customer must accept
our company’s Terms of Use, a copyof which is publicly available on our website (***)The Terms of Use include the following statement which clearly empowers us to undertake a credit inquiry of the type that thecustomer is referencingThe exact language of the Terms of Use are as follows:"If you create or access an online account through this website you authorize Behalf to conduct background, onsite andfinancial examinationsYou authorize Behalf to conduct background and financial examinations of you, which may include, but is not limited to,address verifications for up to ten (10) years; querying a commercial and consumer credit history and score from any credit bureau, searches of any andall relevant publically available information hosted on the world wide web; and a search for bankruptcies, liens or judgments in all jurisdictions where you haveconducted businessYou authorize Behalf, at its sole discretion, to report your personal and business credit to credit bureaus."Nevertheless, in response to the customer’s stated wishes, we filed a request on August *, to have the credit check removedWe have been notified by the credit bureau that processing of this request can take from 4-weeks
Behalf acknowledges that *** *** is correct in stating that a duplicate repayment, for anoutstanding transaction that we funded for him, was processed through our bank. Unfortunately, the bank communicated to usin a way that led us to believe that the prior repayment from him
had not gone throughThis is an unusual and rareevent and warranted us requesting further information from the customer to clarify what had occurredIt did take some time to sort through and confirmthat a double billing had taken place Throughout the process, as *** *** acknowledges in his statement, weassured him that if an error was discovered, we would return the funds in full to himCoincident with this situation, our company was in the midst ofchanging the bank we use for wire transfer servicesAs a result, the funds due the customer were delayed for an additional period of time which we greatlyregretAt this time, the funds in question have been returned in full to the customer
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
I do not know who this company is and they have not provided me with any information. I am again requesting the hard inquiry be removed from my credit report. They have not provided me with any information but just basic policy information they give to anyone. Again I do not know who they are and I do not want whatever it is they do. I did not do business with this company.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
We are an on-line purchase finance company serving small businesses throughout the U.SAn account application was opened on-line, under the name and Social Security number of this customer, on January *, The customer was asked to provide some initial information and was preliminarily
qualified for a credit line Our preliminary qualification process allows the customer to advance to the next step of submitting a proposed transaction, which the customer did on January **, At that point, the customer provides additional information about themselves, allowing Behalf to complete its full review of the customer accountWe then inform the customer of our ability to move forward with them and fund the transaction to pay their vendorIn this instance we determined that we were unable to do soIn order to complete an application for a credit line, the customer must accept our company’s Terms of Use, a copy of which is publicly available on our website (***)The Terms of Use includes the following statement which clearly empowers us to undertake further credit inquiries of the type that the customer is referencingThe exact language of the relevant portion of the Terms of Use (Section 10-Due Diligence) is as follows: If you create or access an online account through this website you authorize Behalf to conduct background, onsite and financial examinationsYou authorize Behalf to conduct background and financial examinations of you, which may include, but is not limited to, address verifications for up to ten (10) years; querying a commercial and consumer credit history and score from any credit bureau, searches of any and all relevant publicly available information hosted on the world wide web; and a search for bankruptcies, liens or judgments in all jurisdictions where you have conducted businessYou authorize Behalf, at its sole discretion, to report your personal and business credit to credit bureausDuring our review of a newly submitted transaction, and also during periodically scheduled customer reviews, our credit decision process takes into account many additional credit-related factorsThis can potentially lead to a revised credit outlook and adjustment in the size or availability of the credit lineThis, in turn, may also ultimately determine whether a transaction that has been submitted to us can be fundedWhile we regret that we were unable to offer funding of this transaction, it should be understood that the very nature of the lending business necessitates thorough credit evaluations in advance of funding approvalAs stated above, we believe that we have more than adequately disclosed the requirement for this due diligence before moving forward with the review of the customer’s funding requestBehalf will not be able to provide funding to this customer going forwardNevertheless, in an effort to help resolve any issues raised by this customer, we are willing to request the removal of the hard hit credit bureau inquiry in exchange for his removal of this complaint to the Revdex.com
We are a merchant cash advance company providing funding for transactions on the customer’s behalfIn situations where we have advanced funds to a vendor on the customer’s behalf, and the customer wishes to then cancel the transaction, our company’s protocol is as follows:-we contact the vendor to
inform them of the request for a refund-the vendor processes the refund and returns the funds to our account-once we have procured the funds from the vendor, we process the refund to the customer and adjust their available credit line balance accordingly.In this instance, the customer contacted us about the transaction cancellation, we informed them about our process and reached out to the vendor to confirm the cancellationThe process was completed and the refund was received from the vendor on 9/14/16. Normally, we wait for all debits in process to clear before issuing a customer refund. In this case, we actually decided to issue a partial refund in the amount of $on 9/**/and once the final debit to us had cleared, we issued the final refund to the customer in the amount of $on 10/*/2016. Therefore, the customer has now been refunded in full.The customer’s statement that we do not provide contact information for our company is incorrectIn the menu at the bottom of our web page, on the right hand side, there is a “Contacts” optionWhen you click on this, you are provided with the option to contact us by phone or email. Tell us why here
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:Not sure why the attachments are not working here, but BEHALF can forward you guys an email that they received on June *** with at least attachments of both emails and text messages that were received from *** *** from May through JuneThis email was one of many that contained several evidence of messages and print screens of messages to keep Behalf updated as requestedBEHALF through their supposed "detailed" timeline in their latest response once again attempt to make it seem the first communication the engaged with the "vendor" wasn't till June ***The attachments in the email mentioned above and all other messages suggest otherwiseThe truth is if Behalf honestly wanted this matter resolved and were not involved with the "vendor", they would have found a way to work with the information provided to them both from me and the so called vendor who claimed to be desperately seeking an answer from Behalf on how to return the paymentInstead, Behalf was laser focused on stealing money from my biz account as they count down the days while using a so called website "agreement" as an excuse. There's also a message from the "vendor" begging me to help forward an email to Behalf because he believes Behalf was clearly ignoring their messagesAll these messages were forwarded to Behalf and I still found myself in the middle like a ping pong ball with Behalf claiming they've been trying to reach the "vendor." You are either a scam or not; there's no half wayAnd if you're not, you shouldn't be going into my biz account after claiming you were notified by the vendor of their attempt to return the so called payment on goods/service you were clearly notified by the same "vendor" that they did not deliverAnother message from the "vendor" even claimed they gave Behalf permission to ACH debit the payment from the same account, but claimed Behalf refusedI honestly don't have enough time for this back and forth nonsense because BEHALF has been provided to opportunity to show why this was not a scam, instead they are dancing around the matter with no concrete answerSpeaking of being blocked from my biz account, of course I previously mentioned the bank is investigating the matter and with all the info I provided them, they are not stupid; one of the reps actually said Behalf did not make any effort to get the money returned by the "vendor" because they were basically more concerned about getting me locked into a so called agreement
Hello,See attachedThese messages speak for themselvesThere are a bunch more, but these are the ones that were attached to the June *** email to Behalf...which was more than a month after the first attempt was made to "return the payment" by the VendorAfter the "payment" was sent to the Vendor in the middle of May 2015, I believe it was around May ** or so, the vendor said it would take 2-days to clearI gave them days and then called, but all my calls, emails, and text messages all went cold from there for at least or more days; and Behalf was not helpful eitherThen I requested a cancellation after I found a legitimate company to handle the job, which I paid forWhen I was told that my biz account will still be debited regardless of my cancellation, it was then I threatened a lawsuit and out of the blue the so called vendor returned my call saying they've been trying to return the payment back to Behalf......etc
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], once I receive notification from all three credit bureaus that the inquiry has been completely removed I will remove the complaint.
Sincerely,
[redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and the matter has been resolved Sincerely, [redacted]
Behalf Inchas received details of customer complaint ID [redacted] ( [redacted] [redacted] ) from the Revdex.comWe are committed to making a good faith effort to resolve any consumer complaint and offer our formal responses to the customer’s statement of the problem in the attached letter to the Revdex.com
We have reviewed our files in greater depth and discovered that the individual had actually opened not one, but two accounts with our company under slightly different names.The information we provided in our prior response is correct and we stand by itHowever, that first response pertains to the following name and company: [redacted] [redacted] ***We have now determined that there was a second account opened on January *, under this name and company: [redacted] The second account, in addition to having a different spelling of the first name and different company name, also used a different email addressIt was opened directly by this individual by submitting an application on our websiteHe was requested to, and did provide his Social Security Number to us, as a needed step in opening an accountIn so doing, he accepted our company’s Terms of Use Acceptance of our Terms of Use empowers us to conduct a customer credit review to assure accurate reflection of current credit position and includes the completion of a hard hit credit inquiry.The Terms of Use are clearly posted on our main web page at all times and it is impossible to activate an account without acceptance of the terms (https://www.behalf.com/terms):Due DiligenceYou understand that when you applied for an online account through this website you authorized Behalf to conduct background, onsite and financial examinations as governed by the Fair Credit Reporting Act (FCRA)You have consented to allow Behalf to conduct background and financial examinations of you, which may include, but is not limited to, address verifications for up to ten (10) years; querying a commercial and consumer credit history and score from any credit bureau, searches of any and all relevant publicly available information hosted on the world wide web; and a search for bankruptcies, liens or judgments in all jurisdictions where you have conducted businessYou authorize Behalf, at its sole discretion, to report your personal and business credit to credit bureaus.Unfortunately, in the case of this second account, our evaluation criteria led us to conclude that we would be unable to offer him funding at that timeOur Suggested Resolution: Out of respect for the fact that the individual has disclosed that he is a disabled veteran, if he is willing to withdraw this complaint we would be willing to take steps to remove the credit check from his credit report
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and the matter has been resolved Sincerely, [redacted] ***
As stated in our initial response to complaint ID# [redacted] : “In an effort to help resolve any issues raised by this customer, we are willing to request the removal of the hard hit credit bureau inquiry in exchange for his removal of this complaint to the Revdex.com.” The customer is of the opinion that we made credit inquiries to three business credit bureausThis is not correctOur sole inquiry was to ExperianWe have already requested removal of this inquiry
Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: Contingent on the removal of inquiries on all three credit reports In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***
In responding again to this customer, we wish to state that as a lending institution engaged in purchase finance, we engage in, and are entitled to perform, credit evaluation activities that call into play evaluation criteria, a variety of information sources and proprietary models that we have developed to assist in decision-makingIn responding specifically to the customer’s latest inquiry, he went through a pre-approval process via another vendor that we work with, provided his Social Security number and we then completed a credit review which precludes our being able to offer him a credit line at this time
We are a Merchant Cash Advance provider serving small businessesWe advance payments for business-related purchases directly to vendors on behalf of the customerThe customer’s complaint revolves around the issuance to her of a single-use digital credit card in order to complete an advance to one
of her vendorsThe vendor encountered problems with the use of the virtual credit card preventing completion of the transaction and therefore a delay in the advance of the funds to cover the customer’s purchase In an email sent to the customer on October **, we noted that the vendor seemed to be having difficulty understanding how to make use of the digital credit card throughout the timeframe that the customer was trying to close the transactionThe card is designed as a single-use card, meaning it can only be ‘swiped’ one time for the total amount of the transactionInstead, the vendor was ‘swiping’ individual items for the orderThis caused the card to, in a sense, shut down after the first item was 'swiped'. In addition, an account manager at our company appears to have mistakenly assumed that the vendor would understand the problem and cancel the initial 'swipe', thus allowing the card to be re-used for its full valueWe have already acknowledged that these issues delayed the closing of the transaction, and ultimately led to the customer’s request to cancel itIn our email to the customer, we voiced our regret for the amount of time that passed and offered to speak with her directly, if desiredMost importantly, we wish to point out that the customer’s request to cancel the transaction was processed on October and the full amount of funds utilized from her credit line were then restored immediately for her future use, thus resolving her primary complaint Two final points in response to the customer’s comments: 1- Behalf does, in fact, maintain a customer service phone numberIt can be easily obtained by accessing our web page, scrolling to the bottom, and clicking on the word “Contacts”2- It is our practice to report monthly to the major business credit bureaus such as D&B, Experian and Equifax as a means of helping customers build and improve their credit positionWe have recently become aware that there are delays in the business credit bureaus' posting of information that we provide to them and are currently working to resolve this issue for the benefit of Behalf customers. Tell us why here
Behalf Inchas received details of customer complaint ID # *** (*** ***) from the Revdex.comWe are committed to making a good faith effort to resolve any consumer complaint and offer the following response to the customer’s statement of the problem: We are a merchant
cash advance provider serving small businesses throughout the U.SWe advance payments on behalf of the customer directly to their vendor and then the customer designs their own debit schedule for each individual purchase transactionWe then draw funds from their bank account according to this scheduleOver a period of time the customer had provided us a number of bank accounts from which he had requested that debits be drawn. As late as last week during the time that this complaint was registered, the customer reached out to us to clarify from which bank future debits should be withdrawn. As is our practice, we have identified the requested account as the customer's primary account, and have removed the other accounts also as per his requestTherefore, we believe that we have met the request of the customer as described in his Revdex.com filing
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
How did you access any commercial or consumer credit history without any information pertaining to verification of any measureable input needed? (i.eSSN or any other contributing factor?) I don't care how long you've spent perfecting your algorithm, I asked one specific question and you've yet to answer it
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
Behalf
appreciates the opportunity to respond to our customer and would like to start
by reminding her that we are an on-line purchase finance company serving small
businessesEssentially what this means is that we are paying funds on her
behalf directly to her suppliers and vendors for goods
or services that she
needs to run her business.To
date, we have funded separate transactions on behalf of this customer, of
which are still in repayment mode. It
is important to note that in order to open a Behalf account and make use of our
services, a customer agrees to our Terms of Use obligating them to make timely
repayments for the funding we provide to pay their suppliers and vendorsTherefore,
each time we pay on behalf of the customer, she has entered into a contractual
obligation to repay according to agreed-upon terms.At the
time of a request for transaction processing, it is the customer who selects, and
agrees to, a specific repayment schedule to our companyDates are set when
specific amounts are required to be repaidIn this instance, the customer writes
that she had sought, and we generously granted her, repayment defermentsWe freely recognize
that many of our customers are starting new businesses, which are subject to unanticipated
pressures and changing conditions, and have been more than willing to work with
them to restructure repayment plans and help them improve their credit standing
However, this does not mean that we are obligated
to agree to deferrals every time they are requestedNor does it mean that the
customer is given the right to re-determine how much they wish to repay and when they
will repay us for funds we have advanced on their behalfIt is clearly at the
discretion of the lender to decide if they wish to allow deferral of contractually
obligated repayment dates, not the customer.With
regard to the specifics of this customer’s complaint, a last minute email,
received late on November **, 2015, requested that Behalf move all of the next
week's loan payments to the end of the agreed-upon repayment scheduleBased on this request, we took steps to help the customer
out and assure that no repayments for her outstanding transactions were taken
during the period November ***The only exception was a single repayment for
$which was processed before we received her email and so nothing could be
done about deferring itNo other payments were processed during the period of
"the next week" as she requested, which covered the period November ** * **In summary, in an effort to assist this customer, we moved all the
repayments to November or laterConsequently,
we believe we have acted responsibly and demonstrated clear concern to assist
the customer despite her violation of the terms of repayment for funds owed to
usWe also believe that her demand for our reimbursement to her of her bounced
check fees and repayments contractually due to us are clearly inappropriateFinally,
the customer’s accusation that we do not list a phone contact number anywhere
on-line is totally falseIt is easily found by looking in our FAQ, which is
posted at the top right hand corner of our web page
We are an on-line purchase finance company serving small businesses throughout the U.SAn account application was opened, under the name and Social Securitynumber of this customer, on December **, In order to complete an application for a credit line, the customer must accept
our company’s Terms of Use, a copyof which is publicly available on our website (***)The Terms of Use include the following statement which clearly empowers us to undertake a credit inquiry of the type that thecustomer is referencingThe exact language of the Terms of Use are as follows:"If you create or access an online account through this website you authorize Behalf to conduct background, onsite andfinancial examinationsYou authorize Behalf to conduct background and financial examinations of you, which may include, but is not limited to,address verifications for up to ten (10) years; querying a commercial and consumer credit history and score from any credit bureau, searches of any andall relevant publically available information hosted on the world wide web; and a search for bankruptcies, liens or judgments in all jurisdictions where you haveconducted businessYou authorize Behalf, at its sole discretion, to report your personal and business credit to credit bureaus."Nevertheless, in response to the customer’s stated wishes, we filed a request on August *, to have the credit check removedWe have been notified by the credit bureau that processing of this request can take from 4-weeks
Behalf acknowledges that *** *** is correct in stating that a duplicate repayment, for anoutstanding transaction that we funded for him, was processed through our bank. Unfortunately, the bank communicated to usin a way that led us to believe that the prior repayment from him
had not gone throughThis is an unusual and rareevent and warranted us requesting further information from the customer to clarify what had occurredIt did take some time to sort through and confirmthat a double billing had taken place Throughout the process, as *** *** acknowledges in his statement, weassured him that if an error was discovered, we would return the funds in full to himCoincident with this situation, our company was in the midst ofchanging the bank we use for wire transfer servicesAs a result, the funds due the customer were delayed for an additional period of time which we greatlyregretAt this time, the funds in question have been returned in full to the customer
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
I do not know who this company is and they have not provided me with any information. I am again requesting the hard inquiry be removed from my credit report. They have not provided me with any information but just basic policy information they give to anyone. Again I do not know who they are and I do not want whatever it is they do. I did not do business with this company.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
We are an on-line purchase finance company serving small businesses throughout the U.SAn account application was opened on-line, under the name and Social Security number of this customer, on January *, The customer was asked to provide some initial information and was preliminarily
qualified for a credit line Our preliminary qualification process allows the customer to advance to the next step of submitting a proposed transaction, which the customer did on January **, At that point, the customer provides additional information about themselves, allowing Behalf to complete its full review of the customer accountWe then inform the customer of our ability to move forward with them and fund the transaction to pay their vendorIn this instance we determined that we were unable to do soIn order to complete an application for a credit line, the customer must accept our company’s Terms of Use, a copy of which is publicly available on our website (***)The Terms of Use includes the following statement which clearly empowers us to undertake further credit inquiries of the type that the customer is referencingThe exact language of the relevant portion of the Terms of Use (Section 10-Due Diligence) is as follows: If you create or access an online account through this website you authorize Behalf to conduct background, onsite and financial examinationsYou authorize Behalf to conduct background and financial examinations of you, which may include, but is not limited to, address verifications for up to ten (10) years; querying a commercial and consumer credit history and score from any credit bureau, searches of any and all relevant publicly available information hosted on the world wide web; and a search for bankruptcies, liens or judgments in all jurisdictions where you have conducted businessYou authorize Behalf, at its sole discretion, to report your personal and business credit to credit bureausDuring our review of a newly submitted transaction, and also during periodically scheduled customer reviews, our credit decision process takes into account many additional credit-related factorsThis can potentially lead to a revised credit outlook and adjustment in the size or availability of the credit lineThis, in turn, may also ultimately determine whether a transaction that has been submitted to us can be fundedWhile we regret that we were unable to offer funding of this transaction, it should be understood that the very nature of the lending business necessitates thorough credit evaluations in advance of funding approvalAs stated above, we believe that we have more than adequately disclosed the requirement for this due diligence before moving forward with the review of the customer’s funding requestBehalf will not be able to provide funding to this customer going forwardNevertheless, in an effort to help resolve any issues raised by this customer, we are willing to request the removal of the hard hit credit bureau inquiry in exchange for his removal of this complaint to the Revdex.com
We are a merchant cash advance company providing funding for transactions on the customer’s behalfIn situations where we have advanced funds to a vendor on the customer’s behalf, and the customer wishes to then cancel the transaction, our company’s protocol is as follows:-we contact the vendor to
inform them of the request for a refund-the vendor processes the refund and returns the funds to our account-once we have procured the funds from the vendor, we process the refund to the customer and adjust their available credit line balance accordingly.In this instance, the customer contacted us about the transaction cancellation, we informed them about our process and reached out to the vendor to confirm the cancellationThe process was completed and the refund was received from the vendor on 9/14/16. Normally, we wait for all debits in process to clear before issuing a customer refund. In this case, we actually decided to issue a partial refund in the amount of $on 9/**/and once the final debit to us had cleared, we issued the final refund to the customer in the amount of $on 10/*/2016. Therefore, the customer has now been refunded in full.The customer’s statement that we do not provide contact information for our company is incorrectIn the menu at the bottom of our web page, on the right hand side, there is a “Contacts” optionWhen you click on this, you are provided with the option to contact us by phone or email. Tell us why here
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:Not sure why the attachments are not working here, but BEHALF can forward you guys an email that they received on June *** with at least attachments of both emails and text messages that were received from *** *** from May through JuneThis email was one of many that contained several evidence of messages and print screens of messages to keep Behalf updated as requestedBEHALF through their supposed "detailed" timeline in their latest response once again attempt to make it seem the first communication the engaged with the "vendor" wasn't till June ***The attachments in the email mentioned above and all other messages suggest otherwiseThe truth is if Behalf honestly wanted this matter resolved and were not involved with the "vendor", they would have found a way to work with the information provided to them both from me and the so called vendor who claimed to be desperately seeking an answer from Behalf on how to return the paymentInstead, Behalf was laser focused on stealing money from my biz account as they count down the days while using a so called website "agreement" as an excuse. There's also a message from the "vendor" begging me to help forward an email to Behalf because he believes Behalf was clearly ignoring their messagesAll these messages were forwarded to Behalf and I still found myself in the middle like a ping pong ball with Behalf claiming they've been trying to reach the "vendor." You are either a scam or not; there's no half wayAnd if you're not, you shouldn't be going into my biz account after claiming you were notified by the vendor of their attempt to return the so called payment on goods/service you were clearly notified by the same "vendor" that they did not deliverAnother message from the "vendor" even claimed they gave Behalf permission to ACH debit the payment from the same account, but claimed Behalf refusedI honestly don't have enough time for this back and forth nonsense because BEHALF has been provided to opportunity to show why this was not a scam, instead they are dancing around the matter with no concrete answerSpeaking of being blocked from my biz account, of course I previously mentioned the bank is investigating the matter and with all the info I provided them, they are not stupid; one of the reps actually said Behalf did not make any effort to get the money returned by the "vendor" because they were basically more concerned about getting me locked into a so called agreement
Hello,See attachedThese messages speak for themselvesThere are a bunch more, but these are the ones that were attached to the June *** email to Behalf...which was more than a month after the first attempt was made to "return the payment" by the VendorAfter the "payment" was sent to the Vendor in the middle of May 2015, I believe it was around May ** or so, the vendor said it would take 2-days to clearI gave them days and then called, but all my calls, emails, and text messages all went cold from there for at least or more days; and Behalf was not helpful eitherThen I requested a cancellation after I found a legitimate company to handle the job, which I paid forWhen I was told that my biz account will still be debited regardless of my cancellation, it was then I threatened a lawsuit and out of the blue the so called vendor returned my call saying they've been trying to return the payment back to Behalf......etc
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], once I receive notification from all three credit bureaus that the inquiry has been completely removed I will remove the complaint.
Sincerely,
[redacted]