Best Egg

Your whole company is totally obnoxious with qualifications Verification and Marketing emails and junk mail sent after you denied me with good credit rating, home and vehicle clear titles, and verifiable gaureented monthly income.
Please ROTTEN EGG, get off my lawn.
There are other great companies that got my business- UPGRADE

This is supposed to be easy, but it wasn't. I received a :Pre Approved" letter telling me how happy they will be to lend me money. I had $30K unpaid credit card and I qualified for $35K. But I didn't need the extra $5K. So the last piece of document was to be my pay stub. That was emailed and it took then few days and I finally had to call them and help them to find my email. Now the person on the phone wanted TWO YEARS of tax returns. Unbelievable. I can walk to any B of A and get 10 times that amount with two years of tax return.
As far as I am concerned, they can take their loan, buy some eggs, boil the eggs and shove it. shove

I will admit I was skeptical at first because it seemed too easy to be trueBut the process was exactly as advertisedThe online process was extremely smooth from the time of application to the money being in the bankThe money was in my account within hoursI was amazed at the quick process

I responded to an add trying to consolidate credit card debt. The rate I got offered was 26% roughly, more than twice what my credit cards charge. They are ridiculous!

This place is a big scam. They are getting peoples information and then say there are no loan offers in your area.

Review: my cell phone is on the DO NOT CALL registry. I am getting calls with no message left starting at 8am, sometimes 3x a day while I am at work. This is illegal and if it does not stop I will get a lawyer and file for damages.Desired Settlement: stop calling me

Business

Response:

Dear [redacted],Thank you for taking the time to share your concerns and

allowing me to respond! After

researching your complaint, I found that the phone number provided in your

complaint [redacted]) was provided to us in another consumer’s application. It appears the consumer typed their phone

number incorrectly when inputting their application details. The phone number you provided has been

removed from the application and was added to our “do not solicit” list. You will receive no further calls at that

phone number. I apologize for any inconvenience this may have caused. Please feel free to contact me directly with

the information I left on your voicemail if you have any additional questions

or concerns. Thank you!

I am very dissatisfied with your service company, SST. Their website is horrible. My current balance isn't displayed, I have no statements available after my third payment, I can't tell how may payments are being distributed, and half the time the website is unavailable. The worst loan service I've ever used.

After several mail offers and a Credit Karma recommendation, I decided to look into Best Egg. General feedback was good, so I applied. The whole process was easy and quick, from the time I applied on-line through reviewing the options and actually receiving the funds.

Review: I applied for a consolidation loan from Best Egg from the pre-approval letter I received in October 2014. I was promptly turned down for a loan based on the amount of revolving credit card debt. I am not complaining about the loan process. If I did not qualify for the loan, then I am fine with their credit decision.

What I am complaining about is that within 10 minutes of being turned down for the loan, I was solicited by a company that called themselves "card services" and later call themselves "Educare". This company seemed to know about my revolving debt and promised me they could work with the credit card companies and lower my APR to 0% for 5 years and this would help me pay them off faster without any interest. They convinced me they could do this for only $900 and I would be saving far beyond this amount when they negotiated the rate down to 0%.

Of course they were not able to reduce the interest rate to 0% and I am not contractually obligated to pay for their non-services of $900. This company has never solicited me prior to me applying for a loan through Best Egg.

I fully believe that Best Egg is responsible for this solicitation from this fraud company who promised to fulfill services they knew they could not fulfill.Desired Settlement: I want Best Egg to admit the fact that they have a relationship with this company who preys on hard-working Americans who are vulnerable to tough economical conditions and who could use help paying off debt. I find it awfully ironic that minutes after being denied for a loan this debt company knew so much about my debt.

Business

Response:

[redacted]Per our conversation, Marlette Funding and the Best Egg loan product are not associated with any third-party debt negotiation firms. It is a coincidence you received a call shortly after applying for a Best Egg loan. We do not share our applicant's information with any non-affiliated companies. Please let us know if there is anything we can do to assist you further.

The process for getting a loan was very simple, received a decent interest rate - thought I would get a better interest rate truthfully, but was still worth taking the loan. Money was put directly into my account in only a couple days. It's nice to have only one payment a month!

I was pleasantly surprised at their process and honesty! They kept their word at every turn. The first draft date for payment was handed as requested! I would use them again without a doubt!

Review: I constantly receive mailings from this company and have requested no less than six times to be removed from their mailing list. The last corrospondence I returned to them warned them that I would file a complaint if the mailings did not cease. Today I received another.Desired Settlement: I want my name and address removed from their lists.

Business

Response:

Dear [redacted],Please accept my sincere apology for any inconvenience this may have caused. It is our policy to immediately cease mailings upon request. I have personally added your information to our "do not solicit" file. Please reach out if we can be any further assistance.

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.

Review: What is unacceptable, is that Best Egg as a financial institution does have access to information enough to pre-qualify individuals OR SO THEY SAY and

indicated in their letters that they have already done that and they note in the front page an APR of 5.99%. When I go through the process and they of course' run my credit and ding it, they have the nerve to tell me that yes they can loan me the money at a 17-18% APR, what kind of crap is that if I was supposed to be PRE-QUALIFIED?

So not only did they intend to steep me, but they FLAT OUT LIED about what not stating clear and in the front, rather than in tiny letters in the back and the pre-qualification

only means getting your info from someone else who sold it to them. I will do what ever I can to discredit this people.Desired Settlement: To STOP lying and really show what the average APR that real people get, not what probably 1 out of 1000 Americans can get

in an economy where Bankruptcy, Shortsales & unemployment has hit us so hard, that almost NO ONE has perfect credit. And

the other thing I want is for this ding on my credit to be removed as if these people did not run it, they showed NO SENSE of

remorse providing these completely unacceptable terms as well as the credit ding. UNACCEPTABLE!!!! if this is the type of

Business we do amongst our own fellow citizens, why is it any wonder that we are in the recession we are in?

Business

Response:

Dear [redacted]-Thank you for taking the time to speak with me. As discussed, I understand your point of view and I am happy we were able to reach an agreement that works for both of us! I look forward to having you as our customer!

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.

Received the pre-approved information letter in the mail from Best Egg. I read all the negative reports on-line and was a little concerned. I logged on and reviewed the site. Discussed it with the wife as a way to consolidate credit card debt. Filled out the on-line application and sent in the requested paperwork. I received an email saying they would process the application. Next morning checked email and we were approved. The following morning the money was in our bank account. Simple process, you must understand the originating fees and your loan and interest are based on your credit score and employment. So far so good. This might not be for everyone but it was for us.

After receiving the loan offer from Best Egg on 1/10/2014 and reviewing the bad reviews on this site and others, I will not be applying for my pre-approved loan for up to $35,000. All consumers should be aware of this company and other mass mailing marketing companies that take your information you provide to them when filling out the application and share or sell your information to other companies. Ask yourself, "How did they get my info and know my credit rating"? This should alarm you.

Review: Do not use this loan company!!!! When I called to consolidate my credit cards they assured me all I needed was paystubs and W2s. When the lady asked my last name I informed her of my married name and the loan was under my maiden name. The lady then told me that I would need to start the process over again she also told me that income was incorrect. She then added it up and gave me apparently my correct income. After that I got a call to finish up my loan and the lady that I talked to then (FYI you don't talk to the same person its ALL different people who rely on someone-else notes) said that all she needed to do was talk to the bank. My bank was closed so she said to call back on Tuesday and it would be done. Nope the person that I talked to who was a male told me that he needed a utility bill! So I finally got that then the lady that I talked to said my income was incorrect and I need to start all over again!!!! I just can't do this all I wanted was to consolidate my credit card debt not a house! Don't use this company unless you want a headache that last for a week!

Business

Response:

Dear [redacted],Thank you for sharing your concerns and taking the time to speak with me! Per your request, I will contact you again this week to review your application and customer experience with you personally. I apologize for any inconvenience this may have caused and wish you the best during this trying time.

Review: Although I never signed up for their service, I have repeated received solicitations from "Best Egg" in the mail. I have requested several times via phone ([redacted]) to be removed from their mailing list. I spoke with representatives on the following dates:

- 6/8/15 at 1:12pm EST

- 5/26/15 at 8:17pm EST

- 5/19/15 at 8:57pm EST

- 5/5/15 at 4:47pm EST

- 4/2/15 at 6:15pm EST

I have informed the representatives each time after the initial call that I opted out of prescreened offers of credit, and each time a representative or supervisor has told me that I would be removed. I received another letter from them today, as well as a letter last week. No matter how many times I call, they will not remove me from their distribution list, and the frequency of their mailings has become harassing.Desired Settlement: I wish to be removed from their mailing list, and to no longer receive their solicitations.

Business

Response:

Mr. [redacted]-I apologize for any inconvenience we may have caused. It is our policy to remove your name from our mailing list upon request. We are researching our recorded calls to provide feedback to any agents you spoke with. I have personally placed your information in our "do not solicit" file. Please let us know if there anything further we can assist you with.

Review: To Whom It May Concern:

Stemming from a pre-approved loan offer I received in the mail (offer [redacted]) I called the Best Egg Customer Service phone number to obtain offer details. During the call, the Best Egg Customer Service Agent indicated that in order to receive offer specifics, like loan amount and APR information, I needed to submit a credit no obligation credit application. Based on this, I gave the OK to submit the credit application, in an effort to obtain more information about the offer.

I was surprised to hear that the interest rate was high (28%), particularly since the offer recieved in the mail focuses on the 5.99 fixed APR. I understand there is fine print, and perhaps I should have read the offer more closely. However, based on the offer details I declined and informed the agent that I wanted no account with Best Egg.

The CS Agent informed then informed me that an account had been created, and that she could not cancel it. This same agent also informed me that the account will automatically cancel within 21 days. This is unacceptable! I did not agree to open an account, I simply was looking to obtain information about an offer.

I am demanding this account be closed. I have never heard of a financial institution opening an account without my permission, and then refusing to close the unauthorized account. No part of the disclosure that I heard while on the phone indicates an account will be opened, and opened for a minimum of 21 days.

Please help me close this account ASAP. Thank you.Desired Settlement: close account

Business

Response:

Dear Mr. [redacted],Thank you for providing your feedback and allowing me to respond. You are absolutely correct! Best Egg did not create an account for you and I apologize for the apparent miscommunication. An application is created when a customer applies which is automatically cancelled if an offer is not selected within 21 days. Again I assure you that no "account" was created nor did "checking your rate" have any impact on your credit. Thanks again for applying and I hope we can serve your financial needs at some point in the future!

Review: BestEgg continued to send emails and physical mail offers evern after 5 phone calls requesting them to stop, and their repeated assurances.

I started an on-line loan application in October or early November and BestEgg offered me a $25000 loan at a high rate of interest (15 or 18%) and I declined ( offer [redacted]. I received much better offers elsewhere and took one. I continued to get phone calls and emails from BestEgg asking me to reconsider, and I called numerous times through mid November to request they desist. Each time I called I was assured I would be removed from all future communications. Yet I continued to receive mail. On December 9th I was sent a physical letter saying that they denied me credit. BUT I DID NOT APPLY FOR NEW CREDIT! They have damaged my credit history by making further credit inquiries against me. And they again sent me mail.Desired Settlement: I wish that Revdex.com lower Revdex.com's rating of BestEgg, have them stop contacting me, and fine them some amount or having damaged my (and potentially others') credit histories by making inquiries when not requested.

Business

Response:

Dear [redacted],Thank you for taking the time to speak with us. Pursuant to our conversation, you have been added to our "do not call" list and we are implementing enhancements to our email strategy. I appreciate your candid feedback and look forward to the opportunity to provide you financial services in the future.

Consumer

Response:

Review: They send out a letter claiming that I have been pre-approved for at least $2,000 and up to $35,000 which results in me applying for credit online and authorizing them to do a hard pull on my credit. I would not have authorized this had I known that their definition of approved has nothing to do with the definition of approved that most any reasonable person would hold.Desired Settlement: They can give me the $2,000 loan or do whatever is necessary to remove the record of the hard pull from my credit file. I also think it would be nice if they would STOP sending out misleading advertising and stop brainwashing theor employees into believing that these lies are not lies.

Business

Response:

Dear [redacted]-Thank you for your inquiry and giving us the opportunity to respond. We are sorry your application for credit did not result in the desired outcome. Lending criteria is established prior to selecting consumers for pre-approved offers. Once we receive an application for credit, if the consumer no longer fits that criteria, the application for credit may be declined. Hopefully this clarification resolves the matter. Thanks again for applying with Best Egg and we hope to be able to serve you in the future.