Sign in

Behalf Inc.

Sharing is caring! Have something to share about Behalf Inc.? Use RevDex to write a review
Reviews Behalf Inc.

Behalf Inc. Reviews (17)

Behalf Inc is a scam. This company only compiles your information, then states you have a credit line that your unable to access. I was originally awarded a credit line with Behalf for $1,300. This line was not accessible to pay any vendors that they currently have as "approved" vendors. Each time I submitted a request for behalf to pay, they declined. Then when I asked for a master list of "approved vendors" they declined to give that information. Because I've had no success using this company to pay my vendors, they have closed my credit line without warning or notice and do not respond to any communication from myself.

+2

Behalf is a big scam for businesses Supposedly I had a $500 credit line but never could access it and every time I tried it would not work and then they sent me a letter by email stating that they had close my account and I have a zero credit limit a big business scam

Review: This complaint is about the extremely poor customer service or lack of any customer service and the fact that they have taken $720.66 from my business on August [redacted] and have not returned it as of September [redacted] after being told over and over again about their mistake.

Behalf Inc took $720.66 out of our business checking account on August [redacted] for a loan that had been paid in full on July [redacted].

We called behalf, but they do not answer their phone lines, so you have to leave a message. I left a voice mail message and sent a message to them via their contact page on August [redacted] and let them know that they had made this mistake and taken an extra payment. We asked if they could check into it for us and if they had any question I gave them my number to call.

I received this email from Mr. G[redacted] on August [redacted]:

“[redacted] “

I sent this email back to Mr. G[redacted] on August [redacted]:

Hello,

Thanks for looking into this issue. I have attached the original payment plan email below. Your website is down so I cannot get the details from the payment schedule at this time.

If you check your bank records you will have a payment from me on these dates

1st payment of 720.66 was on 05/**/2015

2nd payment of 720.66 was on 06/**/2015

3rd payment of 720.66 was on 07/**/2015

then the overpayment was on 8/**/15 (which is even an odd date since they are 30 days apart except for the overpayment). I noticed the last payment date had been changed on your website even after all payments had been made.

I would appreciate a call back at [redacted] or [redacted] so we can get this sorted out.

Thanks,

[redacted].”

With the above email I also supplied them with a copy of their original email to me with the payment plan that you see above.

I had not heard anything from them, so on August [redacted] I called and left a message asking them to call me so we can get this worked out.

This is the response I got back

“From: Behalf Support

Sent: Wednesday, August **, 2015 3:07 PM

To:

Subject: [redacted] [ [redacted] ]

[redacted].”

I sent this email back this email back to them.

“I do have a couple of issues, if someone can please call me back. I have

sent several emails one with full details and left messages requesting a

call back on one of the issues and have made several calls to your main

number and the number I have in an email from Mr. G[redacted].

You have taken an extra payment from by Bank Account.

I would like a call back asap at [redacted].

Thank you, [redacted].”

I also went to their website and sent another message through their contact page and told them that I was getting very angry and asked them to give me a call and told them I do not want to deal with this via email. (Since this was done on their site I do not have a copy of this email)

This is what I received back form Mr. G[redacted] on August [redacted]

[redacted] “

This was my email response back to Mr. G[redacted]:

“This happened on 8/**. Why are you still asking for details? I sent you the full details on 8/** and now you need them again.

If you check your bank records you will have a payment from me on these dates

1st payment of 720.66 was on 05/**/2015

2nd payment of 720.66 was on 06/**/2015

3rd payment of 720.66 was on 07/**/2015

then the overpayment was on 8/**/15 (which is even an odd date since they are 30 days apart except for the overpayment). I noticed the last payment date had been changed on your website even after all payments had been made.

Below is the original payment schedule you emailed me (NOTICE NO 8/**/2015 DATE).

You have lost me as a customer and I find your customer service horrible. I expect you to have my money in my account within 24 hours. “

Then I get this email from Mr. G[redacted] on August [redacted]

“[redacted].



On August [redacted] I sent this email tell Mr. G[redacted] I still do not have my money

“Still don’t have my money!

Thank you,

T.M.”

On August [redacted] I received this email from Mr. G[redacted]:

Hi

I checked our payout log, and the wire refund has been processed by our accounting and is scheduled for payout by wire Monday morning

Regards

That Monday he was referring to was Monday August [redacted]. It is September [redacted] and We still have not received our money or the phone call that I asked for repeatedly.

If you run a business where you are going to be in other peoples bank accounts then you need to take it very serious when you are told that you have made a mistake. Behalf might be fine if everything goes to plan, but if something goes wrong you can forget about getting anyone at this company on the phone or to even care about your problem. The problem was caused by them and I have spent way to much time running down their mistake and trying to get them to pay attention and correct it.

This could easily have been a much larger amount that was taken out of my account and could have caused us problems. Luckily it has not caused us any financial hardships, but it has shown us that Behalf Inc totally fails and they do not deserve customers as good us, so we will no longer do business with them. And we want our money now!!!!!!!!!!!!!Desired Settlement: We need the money they took to be put back into our account now.

Business

Response:

Behalf acknowledges that [redacted] 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 through. This is an unusual and rareevent and warranted us requesting further information from the customer to clarify what had occurred. It did take some time to sort through and confirmthat a double billing had taken place. Throughout the process, as [redacted] acknowledges in his statement, weassured him that if an error was discovered, we would return the funds in full to him. Coincident with this situation, our company was in the midst ofchanging the bank we use for wire transfer services. As a result, the funds due the customer were delayed for an additional period of time which we greatlyregret. At this time, the funds in question have been returned in full to the customer.

I have been using this company since soon after they launched in the United States. From day 1 I have found the service to be a valuable tool to generate new sales for my company. The staff is responsive, knowledgeable and helpful. We have processed about 15 transactions through Behalf over the past few months and the experience has always been positive.

At the moment, I'm waiting for a response from Behalf. Weeks ago, I had a vendor for an ad I'm placing in a directory sign up and almost a week ago I submitted an invoice to pay her... no answer. My vendor contacted me today to demand payment. How is this not awkward?
Also, I had an invoice to a graphic designer for the ad get declined.
Nowhere on the site does it say it will takes days or weeks to process, and it certainly doesn't say that they will review invoices for approval or decline. More importantly, there is no explanation of the funding criteria during your signup, on the website, or through the only method you can contact them, which is email. How can a customer reliably use a service that is random and incommunicative?
I have a reputation-based business as a freelance artist. This potentially damages my credibility. I will update my review after I see how Behalf handles my second invoice.
A couple days ago I spent the day emailing their person [redacted] back and forth, only to keep getting vague explanations; below is a copy:
------------------------------------------
[redacted] Sent: 3/**/2015 12:41 AM
Subject: Re: Behalf Re: Transaction
Hello,
I will wait to see what happens with the other invoice for [vendor name]. If neither of them are funded, I'll have to assume it doesn't work since they are both professional vendors. I could get stuck asking vendors I respect to sign up for something that doesn't work, which would put me in a bad situation.
I understand the concept of a transaction being declined, but I'm still curious, what is the specific reason in [second vendor] case? If I can understand, I can avoid this situation in the future and use Behalf with confidence, knowing that it will work.
Thank you very much for your time [redacted], I know that I've asked a lot of questions. In case I have more, what phone number can I use for Behalf?
Best,[redacted] -------------------------------------------------
Sent: Saturday, March **, 2015 1:09 PM
Subject: Behalf Re: Transaction
[redacted].
----------------------
Hello [redacted],
I did a lot of reading on the behalf website and I never came across how this could work out like this. Can you help me understand or share the reason for the decline? I could easily end up in some awkward vendor situations otherwise.
I notice in the FAQ it states I get pre-approved an amount, in my case $1150, and then I can pay vendors.Then it states it takes time to process new vendors.One of the acceptable examples of who to pay is a web designer, which is very similar to [second vendor's] services as graphic designer.
Step-by-step as I go through the Behalf.com site I can't find anything that says my pre-approved credit line requires an invoice by invoice approval that may or may not be accepted. This is a very critical piece of information to know before trying to use Behalf. In my case, two vendors have completed work for me that I budgeted based on the credit I was approved for.
I'm very concerned about understanding this better. If you aren't able to answer, is there a phone number I can call where someone can walk me through this?
Thank you,[redacted]

Review: I recently came into contact with an organization that helps small businesses keep track of accounting processes that they assist small businesses with. Throughout the process, they recommended using this company services (behalf.com) in order to obtain financing terms for small businesses that can't get a traditional loan from a bank. As I read throughout their FAQ, it is explained verbatim "Behalf also works with big and small business alike. We have no requirements for time in business or annual revenue."

Seeing that I'm a startup and was only asked 4 questions based on my TIN, I got denied. I communicated with the organization as to what are the stipulations to what making a decision is only to be met with evasive answering as "using patented technology to determine We use our proprietary credit evaluation model which looks at a range of factors when deciding which purchases and customers we can fund."Desired Settlement: I want a detailed explanation as to why I was denied if your website describes helping small businesses establish credit and build business credit. Also get the funding I need from you.

Business

Response:

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.

Consumer

Response:

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:

How did you access any commercial or consumer credit history without any information pertaining to verification of any measureable input needed? (i.e. SSN 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,

Business

Response:

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-making. In 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.

Consumer

Response:

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,

Review: I was called by a third party of Behalf to set up an account.

1) after signing up with behalf I was told that my first payment would be do 30 days from the sign up date(01-**-15). Which then turn into it not being 30 days (01-**-15 first payment due is not 30 days from 01-**-15) Red Flag #1

2) I was then instructed to send an email to behalf and tag [redacted] email into it to get the official 30 day payment correct.(I don't want/need that extra hassle of trying to get the dates right, especially after I was just told the payment would be do in thirty days) Red Flag #2

3) The behalf website has been down for the past two days but was working perfectly when you all called me to sign up. Its currently still down 12:15 pm EST 01-**-15. Red Flag #3

4) The website when it was working, has no contact# and I was told by [redacted] that most business like behalf dont have a contact #

Well that cant be true. Shopify(which is very similar to behalf) for example has 24/7 email, chat and phone contact. Red Flag #4

As a new customer these little things added up very quickly and I realized I cant continue to do business with behalf and all the other connected companies with them.Desired Settlement: Please have them close my account and issue me a refund. It has all my personal information such as banking and social security #

Business

Response:

Behalf Inc. has received details of customer complaint ID [redacted] ([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.

Consumer

Response:

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,

They spam you to get you to call them, and do not follow federal laws that require they provide an opt out option, they don't provide their address in the email solicitations - they don't follow the rules.

I have used Behalf many times and have no complaints. It has been a real pleasure doing business with them. I don't know what our company would do without their financing.

Review: This company, BEHALF US, LLC is a complete SCAM!!!!! They train vendors like "[redacted]" to recruit small businesses and make them believe that they can get a business Line Of Credit (LOC). After getting a hold of financial info like bank account information and everything else, they claim to have sent payment to the vendor and the vendors never delivers. The vendors in turn will claim that the reason the product/service is NOT being delivered is because the payment they received was sent back to Behalf. You find yourself in the middle while Behalf continues to make unauthorized debits from the victims business account. DO NOT FALL FOR THIS SCAM, and if you already fell victim, make sure to file a small claim lawsuit and report to both your AG and the NY AG's office.Desired Settlement: REFUND THE TOTAL UNAUTHORIZED $526.66 that you stole or face more than legal actions. The bank is also investigating this matter.

Business

Response:

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.

Consumer

Response:

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,

Consumer

Response:

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:Not sure why the attachments are not working here, but BEHALF can forward you guys an email that they received on June [redacted] with at least 9 attachments of both emails and text messages that were received from [redacted] from May through June. This email was one of many that contained several evidence of messages and print screens of messages to keep Behalf updated as requested. BEHALF 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 [redacted]. The attachments in the email mentioned above and all other messages suggest otherwise. The 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 payment. Instead, 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 messages. All 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 way. And 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 deliver. Another message from the "vendor" even claimed they gave Behalf permission to ACH debit the payment from the same account, but claimed Behalf refused. I 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 answer. Speaking 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 attached. These messages speak for themselves. There are a bunch more, but these are the ones that were attached to the June [redacted] email to Behalf...which was more than a month after the first attempt was made to "return the payment" by the Vendor. After 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 2-3 days to clear. I gave them 5 days and then called, but all my calls, emails, and text messages all went cold from there for at least 3 or more days; and Behalf was not helpful either. Then I requested a cancellation after I found a legitimate company to handle the job, which I paid for. When 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,

Business

Response:

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.

Review: I am cleaning up my credit report and see a hard inquiry from this company that I know nothing about. I have sent a letter to them requesting removal and have not heard anything and I do not want their services whatever it is. I have enough without people looing at my credit report unauthorized.Desired Settlement: Deleted their hard inquiry from my credit report immediately. I do not know who they are or even care at this point.

Business

Response:

We are an on-line purchase finance company serving small businesses throughout the U.S. An account application was opened, under the name and Social Securitynumber of this customer, on December **, 2014. 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 ([redacted]). The Terms of Use include the following statement which clearly empowers us to undertake a credit inquiry of the type that thecustomer is referencing. The 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 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 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 business. You 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 *, 2015 to have the credit check removed. We have been notified by the credit bureau that processing of this request can take from 4-6 weeks.

Consumer

Response:

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:

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,

Business

Response:

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.

Consumer

Response:

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,

One of our customers invited us to accept a payment from them through Behalf and Behalf same day removed the payment from my customer's account. I immediately opened an account in Behalf and gave all our banking info. No communication for several days from Behalf, even after I send multiple e-mails asking what next and when will payment arrive. They do not offer a phone number at all. It is almost a week and half now, and all I have received is that they have received our account and the payment will come and they will notify us when. My customer has also tried to communicate with them and nothing back to them. If this were [redacted], it would have been resolved payment made to us. We do not recommend this company.

Review: I sent an email referencing a payment of $225.50 on Nov [redacted] 2015 asking the billing department to Defer all payments due to process the following week. This included 6 payments ($53.82, $30.70, $255.50, $60.35, $41.11, $129.25) due to be paid between the dates of Monday 11/** Sunday 11/**. Come Tue 11/** I did not receive a response, but I also did not see any payments processing, I sent a follow up email directly to my Customer Collections Manager Rick G[redacted] to verify that my payments for the week have been deferred. He responded "You will have not payments this week." I have pushed payments before and never had an issue. On 12/*/15 I checked my bank account and I was shocked to a negative balance, after further review I seen several payments for Behalf had hit my account. Four of the payments I asked to be deferred to the back of the loan had not been deferred but moved to the following week. This caused a chain reaction in my account causing 8 other authorized transactions to bounce leaving me with $288.00 in bounce check fees on top of the $439.52 of payments they took that were supposed to be deferred. This is still affecting my account as more and more fees are hitting my account as scheduled checks clear. I contacted my Rep Rick G[redacted] by phone as soon as I seen the transactions on my account 12/*/15. He said he will have to look at my account and see what happened and if it was an error on there end they will help me with the bank fees the error caused. About an hour later I received an email from him

"[redacted]"

I responded to this email, "The original email was sent on Nov [redacted], I will re-forward that email to you. I followed up on the [redacted]. The payments that I was expecting to be moved included 129.25 scheduled on 11/** on Sunday of that week and 225.50 scheduled to come out on 11/** per the payment reminder email. The original email that was sent was attached the payment reminder for the 225.50."

After I sent this email I started doing a little more digging into my account, I keep a calendar of all scheduled payments for this company. They also provide you with an online portal, this is were I get my information to put on my payment calendar and they send follow up emails of payment reminders a few days before the payments are scheduled to come out. I focused in on the $225.50 payment because this is the payment that I had sent my original email on and the payment that started the chain reaction of the bank fees and caused the other 8 transactions to bounce and Rick is claiming was not part of the week of payments I asked to be deferred and was scheduled for the following week 12/*/15.

Issue 1 = the Payment reminder email states " [redacted]"

Issue 2 = My payment calendar also states a payment date of 11/**/15

Issue 3 = Currently the Behalf portal states the payment date of 11/**/15 (Sunday, which is still part of the week I asked to be moved)

Issue 4 = I believe that Rick changed the original 11/**/15 on the portal to 11/**/15 (That is what they do when you ask them to move the payments, they change the date to the new payment date). All past and future payments are scheduled for days around the [redacted], if the 11/**/15 was the original date why is it so far off from the prior and future payment dates?

1 $255.50 10/**/15 SUCCESS

2 $255.50 11/**/15 SUCCESS

3 $255.50 12/**/15 SCHEDULED

4 $255.50 01/**/16 SCHEDULED

I have not received any kind of follow up from this company on this matter. After not receiving a response to my last email I tried to call Rick, however the phone rings once and then I am disconnected. I have tried to call 4 times today and every time the same thing happens. Behalf does not list a contact phone anywhere online, I sent an urgent request on the websites Contact Use form with a request to be contacted by Phone by a supervisor. I have still not received any kind of response.Desired Settlement: I want all bounced check fees this error caused. I would also like to be refunded on my account for the payments they took that I asked to be deferred.

Business

Response:

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

businesses. Essentially 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 21 separate transactions on behalf of this customer, of

which 9 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 vendors. Therefore,

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 company. Dates are set when

specific amounts are required to be repaid. In this instance, the customer writes

that she had sought, and we generously granted her, repayment deferments. We 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 requested. Nor 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 behalf. It 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 schedule. Based on this request, we took steps to help the customer

out and assure that no repayments for her 9 outstanding transactions were taken

during the period November [redacted]. The only exception was a single repayment for

$53.82 which was processed before we received her email and so nothing could be

done about deferring it. No other payments were processed during the period of

"the next week" as she requested, which covered the period November [redacted]. In summary, in an effort to assist this customer, we moved all the

repayments to November 30 or later. Consequently,

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

us. We also believe that her demand for our reimbursement to her of her bounced

check fees and repayments contractually due to us are clearly inappropriate. Finally,

the customer’s accusation that we do not list a phone contact number anywhere

on-line is totally false. It is easily found by looking in our FAQ, which is

posted at the top right hand corner of our web page.

Consumer

Response:

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,

Review: On Aug ** I registered on Behalf.com and after going through the whole process they issued me credit for $300 (I assume because I don't have good credit). On Monday or Tuesday this week I was looking on the website of a wholesale company I just signed up and I saw the form of Behalf.com so I tried again and the result was that I have $300 credit. So I put together an order and the minimum paying via behalf was $300 and my credit was also $300 and the final order was about $303 so I called the wholesale company and they adjusted it to $300. So I logged in to behalf.com and went through the whole process including entering my Bank info and after all they declined it.

That's unfair as you think you can buy and you deal with the wholesale company and then they decline you and you ruined your first impression with the company. There was nothing new that they had to decline my application, you can't do business like this you give someone a loan and then you decline to pay.Desired Settlement: They should give me the full $300 Loan asap.

Consumer

Response:

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,

Very easy, very simple. Kept me updated . Very friendly. Their service was very helpful.

Extremely happy with Behalf Inc., did two transactions so far with them, one which took the customer about a week, which he recommended to us. At first we weren't so sure, but knowing our customers personally, we didn't hesitate to do business. My second customer today went home happy knowing we got paid and satisfied with the supplies he received. Best customer service, Behalf called me before anything to verify, and did things professionally looking forward doing more business.

Review: We were betrayed by Behalf, Inc. We filled out the vague inquiry for credit for invoice financing in order to purchase product from our distributors. We were approved for $3400.00 of credit to use for the purchase of products. After using the process given to us by Behalf, Inc on how to pay for the products, Behalf, Inc declined the transaction of $368.00. We called Wholesale Vapor to inquiry about the denial and they instructed us to contact Behalf, Inc. We made several attempts to contact them by phone and no success. We sent them an email to inquiry and the representative stated, [redacted]" We have an account with Behalf, Inc and is clearly states we have credit and then they denied the claim. This is a breach of contract on Behalf, Inc's part. We now have a credit inquiry from Behalf, Inc which damages the credit report and it is very distasteful for them to conduct business in such a manner.Desired Settlement: Correct my credit report and remove the inquiry. Federal investigation into the practices of Behalf, Inc and whose behind the company. We are contacting our attorneys to conduct an investigation and file a law suit for breach of contract after we signed and agreed on contract.

Business

Response:

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 January *, 2016. 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 **, 2016. At that point, the customer provides additional information about themselves, allowing Behalf to complete its full review of the customer account. We then inform the customer of our ability to move forward with them and fund the transaction to pay their vendor. In this instance we determined that we were unable to do so. In 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 ([redacted]). The Terms of Use includes the following statement which clearly empowers us to undertake further credit inquiries of the type that the customer is referencing. 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. During 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 factors. This can potentially lead to a revised credit outlook and adjustment in the size or availability of the credit line. This, in turn, may also ultimately determine whether a transaction that has been submitted to us can be funded. While 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 approval. As 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 request. Behalf will not be able to provide funding to this customer going forward. Nevertheless, 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.

Consumer

Response:

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,

Consumer

Response:

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,

Business

Response:

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.

Check fields!

Write a review of Behalf Inc.

Satisfaction rating
 
 
 
 
 
Upload here Increase visibility and credibility of your review by
adding a photo
Submit your review

Behalf Inc. Rating

Overall satisfaction rating

Description: FINANCIAL SERVICES

Address: 126 5th Avenue  10th Floor, New York, New York, United States, 10011

Phone:

Show more...

Web:

This website was reported to be associated with Behalf Inc..



Add contact information for Behalf Inc.

Add new contacts
A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | New | Updated