Behalf Inc. has received details of customer complaint ID [redacted]) from the Revdex.com. We 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...
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]
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 it. However, that first response pertains to the following name and company:[redacted]We have now determined that there was a second account opened on January *, 2015 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 address. It was opened directly by this individual by submitting an application on our website. He was requested to, and did provide his Social Security Number to us, as a needed step in opening an account. In 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):10. 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 business. You 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 time. Our 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]
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:
[Your Answer Here]
I agree 100% that “I” the customer had agreed to each
payment plan, and that Behalf is not obligated to accept changes to the terms
of payment plans. I understand that any
changes to payment plans are done at Behalf’s discretion and they have every
right to deny any requests. However
Behalf denying a request for deferrals is not the issue. The issue is that Behalf led me to believe that my request
for the payments in question, to be deferred to the back of their loans was
approved. I understand that it was too late for the 53.82 payment to be
changed. If I was told that they could only defer two payments to the back of the loans and the other
two could be moved to the following week, I would have made the proper arrangements
to make sure the payments went through. Behalf had no obligation to accept my request but when they approved the requested to defer the payments to the back of there loans this became the new payment plan. I am truly not expecting a refund on
the payments they deducted, however I would like the bank fees in the amount of
$288.00 caused by this misunderstanding to be refunded. If we look at this from
any other major loan like a house or car payment that you agreed to a certain
payment plan on, if you requested to defer your payment to the end of the loan
and they accept your deferral. Then something happens during the deferral
process and they decide they cannot defer your loan then deduct the payment the
following week. This would be considered unethical and they would be held responsible.I would also like to tell
Behalf that up until this issue, I have been very satisfied with their company.
They make ordering my inventory easier and safer because I do not have to give
10 different companies my bank account information. I have barrowed 21 times
from Behalf calculating to around $16 thousand (not including interest) since
May 2015; I have satisfied around $15 thousand including interest thus far. I
have had a few credit increases starting at $4,200 and now with a credit of
$5,700 with a balance of $3,500 left to pay back. I have requested some
payments be pushed and I have authorized extra payments to be made. I believe I
am a good customer, and I would like to continue using their services.
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# [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]
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 bureaus. This is not correct. Our sole inquiry was to Experian. We 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 find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
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:
The business is being less than truthful when it states that it did not perform a hard hit on my credit report. They also state that there is no credit bureau to check with for this hit. The only reason why I even know about this hard hit is because it appears on my TransUnion, Experian & Equifax credit reports. Therefore, their response is misleading.They also ask as to why I did not report this sooner. The simple answer is that I am a severely disabled veteran who has been in & out of the hospital for the past three years due to complications of heart failure. I am finally doing better & have started putting my life back in order again. I have never applied for credit to the company that they mention in their response or do I wish to.If they choose to continue with their deception I will gladly retain an attorney and have them deal with him.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Behalf Inc. has received from the Revdex.com a thirdround of details filed by the customer with regard to complaint ID #[redacted] (Media Vibes, LLC). We remain committed to seeking asatisfactory resolution of any consumer complaint, wherever possible. Webelieve it would be beneficial to review the facts in this case and offer thefollowing as a response to the customer’s latest comments:1) Behalf is an on-line purchase finance company providingfunding to small U.S.-based businesses for goods and services that they need.We market our company’s services in a variety of ways, including making vendorsand service providers aware that we can provide funding to their customers to helppay for the goods and services that those customers wish to purchase. 2) We provided such funding to Media Vibes LLC on May **,2015 fora transaction they entered into with their service provider [redacted]. 3) Our business model, as described on our website, entailsour company paying the funds over directly to the vendor/service provider onbehalf of the customer.4) We can provide documentation, as required, to offerevidence that a funds transfer was made on May **, 2015 to [redacted] viaACH (Automated Clearing House), the electronic funds-transfer system. The ACH system is themethod we employ for making payments in the vast majority of transactions thatwe fund. 5) It needs to be understood that we are a separate anddistinct entity from the vendor/service provider. We are the vehicle thatprovided the funds for purchase of [redacted]s services, but we have noresponsibility for the manner or quality of provision of those services.6) Behalf values our working relationships with our customersand seeks to grow our own business by providing them credit lines that allowfor repeat transaction funding opportunities. Clearly, it is in our interest todo all we can to arrange for timely payment to the vendor/service provider oncea funding is requested and approved. We also will make a reasonable effort to communicatewith the vendor/service provider to assure goods are shipped or services areprovided in a timely way to the customer.7) There are occasions where the customer is disappointed intheir vendor/service provider and wishes to cancel a transaction. In an effortto help the customer, we will contact the vendor/service provider to request acancellation and refund of moneys we have paid on the customer’s behalf. Whenwe are successful in accomplishing this, it allows us to refund repayments madeby the customer to us. We are not always successful in obtaining refunds,however.8) It should be noted that in accepting Behalf’s fundingservices, and requesting that Behalf pay his service provider [redacted]the customer has agreed upon a repayment schedule and fee to Behalf for the fundswe advanced.9) The first of the customer’s three agreed-upon repaymentdates to Behalf was scheduled for June **, 2015 but in an effort to assist thecustomer, we delayed this repayment until June **, 2015. By standard agreementwith all our customers, repayments are received direct from their bank accountsaccording to the specified dates agreed to. This repayment was received by us.10) The second of the three customer repayments was due toBehalf on August *, 2015 but was stopped by the customer in violation of hisagreement to repay us. 11) We have had various contacts with the vendor about hisagreeing to cancel and refund the transaction proceeds to us. Although he continuesto indicate that a check will be sent to us, no such check has arrived and wehave little confidence in the veracity of his statements of cooperation. Wealso have limited ability to enforce a refund to us. We understand the customer’s frustration with regard to non-performance by his service provider,and will continue to request a refund of funds we advanced to them. This doesnot remove the customer’s obligation to repay our company for the service weprovided of advancing payment to his vendor on his behalf. At this point, weare facing the loss of the funds we advanced because of non-repayment to us bythis customer. As already stated, we intend to refund any repayments thecustomer has already made to Behalf if we are successful in receiving a refundfrom his service provider.
Further responding to the customer’s concerns, we wish to reiterate our prior response that in accordance with the customer’s statedwishes, we filed a request immediately, on August *, 2015, to have their credit check removed. We have been notified by the credit bureau that their processingof this request can take from 4-6 weeks. We can also confirm that following the opening of the customer’s account last year, no credit line was approved foruse and therefore, no business has ever been transacted by this customer with our company.
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]
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]
We are a Merchant Cash Advance provider serving small businesses. We advance payments for business-related purchases directly to vendors on behalf of the customer.The complaint revolves around the issue of credit checking performed by our company when considering providing funding for new...
customers.This individual, who is not a customer of ours and actually never has been, contends that we conducted a hard-hit credit inquiry on him.Our company offers our merchant cash advance services through numerous vendor websites across the U.S. In this instance, which we can document, the customer approached us via his vendor’s (Sav-On Closeouts ) website on June **, 2015, fully 16 months ago. By his making use of our on-line credit pre-qualification tool on the vendor’s website, we were able to provide an almost instant response as to potential for funding by our company.In this instance, the prospective customer did not wish to provide all of the required personal identifying information (such as his Social Security Number) and consequently does not have an activated account and was declined immediately for our funding services in the absence of the information needed to complete our formal review.In summary, this individual has never had an active account with our company and we have never conducted a hard-hit inquiry on his credit position. There are therefore no credit bureaus to contact, as he is requesting, nor has our company had any direct impact on his personal credit standing. In addition, we wish to question the motivation now, almost a year and a half after his brief interaction with us, for this having even surfaced as an issue for him. Tell us why here...
Behalf Inc. has received details of customer complaint ID # [redacted] from the Revdex.com. We 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 an on-line purchase finance...
company serving small businesses throughout the U.S. An account application was opened on-line, under the name and Social Security number of this customer, on March *, 2016 for the benefit of his business identified as [redacted] In order to complete an application for a credit line from our company, the customer must accept our Terms of Use, a copy of which is publicly available on our website ([redacted]). The Terms of Use includes the following statement which clearly empowers us to undertake credit inquiries of the type that the customer is referencing in reaching a credit decision. The 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 examinations. You 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 business. You authorize Behalf, at its sole discretion, to report your personal and business credit to credit bureaus. While we regret that we were unable to offer his business our services, it should be understood that the very nature of the lending business necessitates credit evaluations in advance of granting credit line approval. We’ve spent years developing a proprietary risk algorithm that analyzes a wide range of data points. As stated above, we believe that we have more than adequately disclosed the requirement for this due diligence, have completed our credit review and will not be able to provide funding to this business going forward.
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:The response from BEHALF is not only a joke, it's completely misleading. In the timeline, they're using names like April, May... and not clarifying that these events were just days apart. When the so called "payment" was supposedly issued to the so called "vendor"([redacted]), my calls and emails all went unanswered until I was notified of payment due dates and I made it clear that both BEHALF and the "VENDOR" were gonna get hit with a lawsuit if my bank account was touched. Behalf failed to let you guys know that I sent every evidence including emails and text messages that were later received from the "vendor" showing that they did not provide the goods/services they were "paid" to provide. Although, there is no evidence that payment was ever sent to the "vendor", I just went by what I was told. Those messages also showed the "vendor" claiming how he's been trying to reach Behalf to return the payment as requested, but were unsuccessful. Another email also showed a cancellation request from the "vendor" to Behalf asking for procedure to return the payment. Now the catch is: this so called "vendor" is the person that referred my business to sign up and use BEHALF for payment.BEHALF was NEVER interested in resolving this matter because if they were, they would work with the information provided; work with me and the so called "vendor" to initiate a refund process. Instead, I find myself and my business being tossed back and forth like a ping pong ball. The "vendor" is claiming they've been trying to return the payment to BEHALF and were unsuccessful due to lack of cooperation on BEHALF's part. And BEHALF keeps claiming that they are working tiredlessly with the "vendor" to complete the refund process. Refunds don't take that long to initiate. This is why I believe the "vendor" works hand in hand with BEHALF to recruit small business owners to use their so called service and then collect money from the businesses by claiming the "agreement" is between the business and BEHALF. I strongly believe this is a clear scam until proven otherwise.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Behalf Inc. has received details of customer complaint ID # [redacted] (Media Vibes, LLC) from the BetterBusiness Bureau. We are committed to making a good faith effort to resolve any consumer complaint and offer the following response to thecustomer’s statement of the problem:Behalf is...
an on-line purchase finance company serving small businesses throughout the U.S. The customer opened an account with Behalfin April 2015 and was provided a credit line by our company to pay his vendors, for goods and services to be received. The customer submitted a request in May2015 to utilize his credit line in order to pay a vendor that he selected. Although the vendor, [redacted], had suggested using Behalf services to fund thepending transaction between the two parties, the customer alone opted to initiate this funding request for payment on his behalf. On May **, 2015, the customer notified us that his vendor had not provided the services we paid for on his behalf. He furtherindicated that he had requested that the funds we paid be returned to Behalf and that the vendor had committed to do that. We responded that while[redacted] may have agreed to return the funds to us, until they would be received, we could not stop or cancel any repayments due to us as the financing company.We asked that the customer please be in touch with his agent at [redacted]l and have him contact us immediately. Wehave further reiterated that unless the vendor agrees to cancel the transaction and return the funds to us we cannot cancel the repayment schedule.However, in an effort to assist the customer, we did agree to postpone the first of three scheduled repayment dates, for two weeks, to provide time for him to reach the vendor and we have continued our own efforts to reach the vendor. On July **, 2015 we informed the customer thatthe vendor provided an indication to us that a refund check was on the way to Behalf. On July **, 2015, the refund check having still not been received by us,the customer indicated to Behalf that he was considering filing a legal complaint against the vendor. Behalf resumed the repayment schedule agreed toby the customer, and has processed the second repayment dated August *, 2015 as is our right. We wish to state that the customer accepted our Terms of Use (a copy of which is posted on our website) upon submitting thefunding transaction request. It includes the following statement: “Behalf will not be a party to or in any way be responsible for monitoring any transaction between you and third-partyproviders of products or services. As with the purchase of a product or service through any medium or in any environment, you should use your best judgement and exercise caution where appropriate.”It is Behalf’s intent to refund the customer’s transaction repayments in full when, and if, the funds we advanced to thevendor are successfully recouped.
Behalf Inc. has received details of customer complaint ID [redacted]) from the Revdex.com. We 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.
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]
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 it. However, that first response pertains to the following name and company:[redacted]We have now determined that there was a second account opened on January *, 2015 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 address. It was opened directly by this individual by submitting an application on our website. He was requested to, and did provide his Social Security Number to us, as a needed step in opening an account. In 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):10. 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 business. You 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 time. Our 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]
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:
[Your Answer Here]
I agree 100% that “I” the customer had agreed to each
payment plan, and that Behalf is not obligated to accept changes to the terms
of payment plans. I understand that any
changes to payment plans are done at Behalf’s discretion and they have every
right to deny any requests. However
Behalf denying a request for deferrals is not the issue. The issue is that Behalf led me to believe that my request
for the payments in question, to be deferred to the back of their loans was
approved. I understand that it was too late for the 53.82 payment to be
changed. If I was told that they could only defer two payments to the back of the loans and the other
two could be moved to the following week, I would have made the proper arrangements
to make sure the payments went through. Behalf had no obligation to accept my request but when they approved the requested to defer the payments to the back of there loans this became the new payment plan. I am truly not expecting a refund on
the payments they deducted, however I would like the bank fees in the amount of
$288.00 caused by this misunderstanding to be refunded. If we look at this from
any other major loan like a house or car payment that you agreed to a certain
payment plan on, if you requested to defer your payment to the end of the loan
and they accept your deferral. Then something happens during the deferral
process and they decide they cannot defer your loan then deduct the payment the
following week. This would be considered unethical and they would be held responsible.I would also like to tell
Behalf that up until this issue, I have been very satisfied with their company.
They make ordering my inventory easier and safer because I do not have to give
10 different companies my bank account information. I have barrowed 21 times
from Behalf calculating to around $16 thousand (not including interest) since
May 2015; I have satisfied around $15 thousand including interest thus far. I
have had a few credit increases starting at $4,200 and now with a credit of
$5,700 with a balance of $3,500 left to pay back. I have requested some
payments be pushed and I have authorized extra payments to be made. I believe I
am a good customer, and I would like to continue using their services.
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# [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]
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 bureaus. This is not correct. Our sole inquiry was to Experian. We 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 find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
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:
The business is being less than truthful when it states that it did not perform a hard hit on my credit report. They also state that there is no credit bureau to check with for this hit. The only reason why I even know about this hard hit is because it appears on my TransUnion, Experian & Equifax credit reports. Therefore, their response is misleading.They also ask as to why I did not report this sooner. The simple answer is that I am a severely disabled veteran who has been in & out of the hospital for the past three years due to complications of heart failure. I am finally doing better & have started putting my life back in order again. I have never applied for credit to the company that they mention in their response or do I wish to.If they choose to continue with their deception I will gladly retain an attorney and have them deal with him.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Behalf Inc. has received from the Revdex.com a thirdround of details filed by the customer with regard to complaint ID #[redacted] (Media Vibes, LLC). We remain committed to seeking asatisfactory resolution of any consumer complaint, wherever possible. Webelieve it would be beneficial to review the facts in this case and offer thefollowing as a response to the customer’s latest comments:1) Behalf is an on-line purchase finance company providingfunding to small U.S.-based businesses for goods and services that they need.We market our company’s services in a variety of ways, including making vendorsand service providers aware that we can provide funding to their customers to helppay for the goods and services that those customers wish to purchase. 2) We provided such funding to Media Vibes LLC on May **,2015 fora transaction they entered into with their service provider [redacted]. 3) Our business model, as described on our website, entailsour company paying the funds over directly to the vendor/service provider onbehalf of the customer.4) We can provide documentation, as required, to offerevidence that a funds transfer was made on May **, 2015 to [redacted] viaACH (Automated Clearing House), the electronic funds-transfer system. The ACH system is themethod we employ for making payments in the vast majority of transactions thatwe fund. 5) It needs to be understood that we are a separate anddistinct entity from the vendor/service provider. We are the vehicle thatprovided the funds for purchase of [redacted]s services, but we have noresponsibility for the manner or quality of provision of those services.6) Behalf values our working relationships with our customersand seeks to grow our own business by providing them credit lines that allowfor repeat transaction funding opportunities. Clearly, it is in our interest todo all we can to arrange for timely payment to the vendor/service provider oncea funding is requested and approved. We also will make a reasonable effort to communicatewith the vendor/service provider to assure goods are shipped or services areprovided in a timely way to the customer.7) There are occasions where the customer is disappointed intheir vendor/service provider and wishes to cancel a transaction. In an effortto help the customer, we will contact the vendor/service provider to request acancellation and refund of moneys we have paid on the customer’s behalf. Whenwe are successful in accomplishing this, it allows us to refund repayments madeby the customer to us. We are not always successful in obtaining refunds,however.8) It should be noted that in accepting Behalf’s fundingservices, and requesting that Behalf pay his service provider [redacted]the customer has agreed upon a repayment schedule and fee to Behalf for the fundswe advanced.9) The first of the customer’s three agreed-upon repaymentdates to Behalf was scheduled for June **, 2015 but in an effort to assist thecustomer, we delayed this repayment until June **, 2015. By standard agreementwith all our customers, repayments are received direct from their bank accountsaccording to the specified dates agreed to. This repayment was received by us.10) The second of the three customer repayments was due toBehalf on August *, 2015 but was stopped by the customer in violation of hisagreement to repay us. 11) We have had various contacts with the vendor about hisagreeing to cancel and refund the transaction proceeds to us. Although he continuesto indicate that a check will be sent to us, no such check has arrived and wehave little confidence in the veracity of his statements of cooperation. Wealso have limited ability to enforce a refund to us. We understand the customer’s frustration with regard to non-performance by his service provider,and will continue to request a refund of funds we advanced to them. This doesnot remove the customer’s obligation to repay our company for the service weprovided of advancing payment to his vendor on his behalf. At this point, weare facing the loss of the funds we advanced because of non-repayment to us bythis customer. As already stated, we intend to refund any repayments thecustomer has already made to Behalf if we are successful in receiving a refundfrom his service provider.
Further responding to the customer’s concerns, we wish to reiterate our prior response that in accordance with the customer’s statedwishes, we filed a request immediately, on August *, 2015, to have their credit check removed. We have been notified by the credit bureau that their processingof this request can take from 4-6 weeks. We can also confirm that following the opening of the customer’s account last year, no credit line was approved foruse and therefore, no business has ever been transacted by this customer with our company.
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]
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]
We are a Merchant Cash Advance provider serving small businesses. We advance payments for business-related purchases directly to vendors on behalf of the customer.The complaint revolves around the issue of credit checking performed by our company when considering providing funding for new...
customers.This individual, who is not a customer of ours and actually never has been, contends that we conducted a hard-hit credit inquiry on him.Our company offers our merchant cash advance services through numerous vendor websites across the U.S. In this instance, which we can document, the customer approached us via his vendor’s (Sav-On Closeouts ) website on June **, 2015, fully 16 months ago. By his making use of our on-line credit pre-qualification tool on the vendor’s website, we were able to provide an almost instant response as to potential for funding by our company.In this instance, the prospective customer did not wish to provide all of the required personal identifying information (such as his Social Security Number) and consequently does not have an activated account and was declined immediately for our funding services in the absence of the information needed to complete our formal review.In summary, this individual has never had an active account with our company and we have never conducted a hard-hit inquiry on his credit position. There are therefore no credit bureaus to contact, as he is requesting, nor has our company had any direct impact on his personal credit standing. In addition, we wish to question the motivation now, almost a year and a half after his brief interaction with us, for this having even surfaced as an issue for him. Tell us why here...
Behalf Inc. has received details of customer complaint ID # [redacted] from the Revdex.com. We 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 an on-line purchase finance...
company serving small businesses throughout the U.S. An account application was opened on-line, under the name and Social Security number of this customer, on March *, 2016 for the benefit of his business identified as [redacted] In order to complete an application for a credit line from our company, the customer must accept our Terms of Use, a copy of which is publicly available on our website ([redacted]). The Terms of Use includes the following statement which clearly empowers us to undertake credit inquiries of the type that the customer is referencing in reaching a credit decision. The 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 examinations. You 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 business. You authorize Behalf, at its sole discretion, to report your personal and business credit to credit bureaus. While we regret that we were unable to offer his business our services, it should be understood that the very nature of the lending business necessitates credit evaluations in advance of granting credit line approval. We’ve spent years developing a proprietary risk algorithm that analyzes a wide range of data points. As stated above, we believe that we have more than adequately disclosed the requirement for this due diligence, have completed our credit review and will not be able to provide funding to this business going forward.
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:The response from BEHALF is not only a joke, it's completely misleading. In the timeline, they're using names like April, May... and not clarifying that these events were just days apart. When the so called "payment" was supposedly issued to the so called "vendor"([redacted]), my calls and emails all went unanswered until I was notified of payment due dates and I made it clear that both BEHALF and the "VENDOR" were gonna get hit with a lawsuit if my bank account was touched. Behalf failed to let you guys know that I sent every evidence including emails and text messages that were later received from the "vendor" showing that they did not provide the goods/services they were "paid" to provide. Although, there is no evidence that payment was ever sent to the "vendor", I just went by what I was told. Those messages also showed the "vendor" claiming how he's been trying to reach Behalf to return the payment as requested, but were unsuccessful. Another email also showed a cancellation request from the "vendor" to Behalf asking for procedure to return the payment. Now the catch is: this so called "vendor" is the person that referred my business to sign up and use BEHALF for payment.BEHALF was NEVER interested in resolving this matter because if they were, they would work with the information provided; work with me and the so called "vendor" to initiate a refund process. Instead, I find myself and my business being tossed back and forth like a ping pong ball. The "vendor" is claiming they've been trying to return the payment to BEHALF and were unsuccessful due to lack of cooperation on BEHALF's part. And BEHALF keeps claiming that they are working tiredlessly with the "vendor" to complete the refund process. Refunds don't take that long to initiate. This is why I believe the "vendor" works hand in hand with BEHALF to recruit small business owners to use their so called service and then collect money from the businesses by claiming the "agreement" is between the business and BEHALF. I strongly believe this is a clear scam until proven otherwise.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Behalf Inc. has received details of customer complaint ID # [redacted] (Media Vibes, LLC) from the BetterBusiness Bureau. We are committed to making a good faith effort to resolve any consumer complaint and offer the following response to thecustomer’s statement of the problem:Behalf is...
an on-line purchase finance company serving small businesses throughout the U.S. The customer opened an account with Behalfin April 2015 and was provided a credit line by our company to pay his vendors, for goods and services to be received. The customer submitted a request in May2015 to utilize his credit line in order to pay a vendor that he selected. Although the vendor, [redacted], had suggested using Behalf services to fund thepending transaction between the two parties, the customer alone opted to initiate this funding request for payment on his behalf. On May **, 2015, the customer notified us that his vendor had not provided the services we paid for on his behalf. He furtherindicated that he had requested that the funds we paid be returned to Behalf and that the vendor had committed to do that. We responded that while[redacted] may have agreed to return the funds to us, until they would be received, we could not stop or cancel any repayments due to us as the financing company.We asked that the customer please be in touch with his agent at [redacted]l and have him contact us immediately. Wehave further reiterated that unless the vendor agrees to cancel the transaction and return the funds to us we cannot cancel the repayment schedule.However, in an effort to assist the customer, we did agree to postpone the first of three scheduled repayment dates, for two weeks, to provide time for him to reach the vendor and we have continued our own efforts to reach the vendor. On July **, 2015 we informed the customer thatthe vendor provided an indication to us that a refund check was on the way to Behalf. On July **, 2015, the refund check having still not been received by us,the customer indicated to Behalf that he was considering filing a legal complaint against the vendor. Behalf resumed the repayment schedule agreed toby the customer, and has processed the second repayment dated August *, 2015 as is our right. We wish to state that the customer accepted our Terms of Use (a copy of which is posted on our website) upon submitting thefunding transaction request. It includes the following statement: “Behalf will not be a party to or in any way be responsible for monitoring any transaction between you and third-partyproviders of products or services. As with the purchase of a product or service through any medium or in any environment, you should use your best judgement and exercise caution where appropriate.”It is Behalf’s intent to refund the customer’s transaction repayments in full when, and if, the funds we advanced to thevendor are successfully recouped.