Best Egg

Review: I simultaneously completed a loan application with Best Egg and another company. The other company gave me a better rate, so I called to cancel my loan application with Best Egg. I was told that if I did not proceed any further with my application (specifically supplying verification documents) that the application would be cancelled. The next day, I received an e-mail saying that my bank account would be credited with the loan funds. I never even signed a loan acceptance agreement, but funds were sent to my bank account. I again called and was told that the loan would be rescinded. My loan account was credited for the money that was sent to my bank account, but according to the loan account website, I still owe the origination fees. All for a loan that I never actually signed to receive. This situation is the result of very poor customer service, and I am disappointed with Best Egg.Desired Settlement: I would like this loan application completely canceled--and I mean completely. I would like a correction to my credit report--I never actually took this loan.

Business

Response:

Dear [redacted],Thank you for taking my call today! As discussed, your application was approved without requiring any documentation on your behalf. We have initiated the loan rescission which will be completed within the timeline we discussed. You are under no obligation to pay the origination fee or any accrued interest. Please reach out if I can be of 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 provided that the company follows through with the rescission. Had Best Egg's customer service been attentive the first time I called, this situation likely could have been avoided.

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.

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: 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: 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: 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.

I have never reviewed anything online ever. With that being said, I decided to write this review because I almost did not apply for this loan due to the negative reviews that I read. My experience was seamless. I applied online with the pre approval code that I received in the mail. I was given three loan options. I waited one day to make a decision and then I chose the loan that was best for me. I received one phone call from customer service offering assistance with any questions that I had. I submitted my documents and the funds were in my account the next day. I then registered my account for online access and everything is there for you. With the online access you can make extra payments or even pay off your loan early as well as switch from autopay and many other features. The application process and funding was much easier and quicker than I expected and I would definitely recommend Best Egg to anyone trying to get out of debt

I found the service to be very professional and direct. They were helpful, well-versed on the complete process of the company. Very pleasant to work with.

Ok so thank you this was so very easy to fill out and it's going to help me out soooooo much, I'm glad to be part of this.

I too was sent an offer stating that I was pre-approved, yet was told that there were no offers for me at this time. I have good credit, make plenty of money, and all I was trying to do was to consolidate all my credit cards to one manageable payment that would be paid off in 3 years, yet was not found any offers at this time. Very frustrating to say the least

Review: received letter from this company telling me my loan application had been denied.never applied for a loan,never heard of this company.called,NO HELP,said they'ed look into it.am afraid credit may be compromised.ran ,PROTECT MY ID,no record.

could this be phishingDesired Settlement: correction and apology

Business

Response:

Mr. [redacted]- Thank you for taking the time to speak with me. As discussed, we received your application through Lending Tree on 5/30/15. We were unable to approve the application due to a SSN mismatch and subsequent lack of credit bureau. Please visit us at www.mybestegg.com if you are interested in reapplying or learning more about our company. Thanks!

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. best egg responded immediately with a complete explanation what had occurred.thank you

Easy process. Fast deposit. No hassle. Understandable from start to finish. Bank draft for payment. Now that's easy! rating 10!

Review: I received a call from phone number [redacted] today (9/19/15). I answered the call and was asked "Is this [redacted]?". I replied "yes who is this?" Response was "[redacted]". I said [redacted]?" Her reply "Yes it is, I'm sorry I didn't mean to call you." And then she hung up. [redacted] is an ex tenant of mine. I evicted her a month or so ago in [redacted] Court. [redacted] is not supposed to be contacting me and her personal cell number is blocked from calling my line but today she used her work number to call me. I was able to speak with a manager and confirm that [redacted] works at the Best Egg Loan Verification Department here locally. I have several concerns.

1) I have no business with Best Egg whatsoever and so they should not be contacting me.

2) More specifically an employee named [redacted] is specifically not supposed to be contacting me however she is and doing so through this business.

3) In the credit verification industry employees often have access to databases involving other peoples personal credit history etc. Due to the nature of her new job [redacted] could be trying to use her resources at Best Egg to learn, harm, or investigate my my personal credit history. She could be trying to open a fraudulent loan using my name and whatever personal information she has gathered about me during our relationship. She could also be pulling my credit history to learn my home address, debts and credit lines, assets, or other personal information etc.

4) An employee at Best Egg is handling is not doing her job but rather settling personal matters on company time and telephone.

5) It is unprofessional for a company such as Best Egg to allow an employee to harass their old landlord under the disguise of Best Egg.

6) What was the purpose of [redacted]'s phone call to me today? Was it to harass me?

I do not know what [redacted]'s intention is nor do I know why she was thinking of me and calling me from a Best Egg Loan Verification Center that she apparently works but it is highly suspicious to say the least. I did not even know she worked there until this afternoon. I was able to confirm this and ask a floor supervisor to speak with her on Monday when [redacted] returns to work. I need to know that a manager does in fact speak to [redacted] about what has happened and assure me that it wont happen again and hopefully that [redacted] isn't able to cause me any harm from her place of work. A fax number for the Verification center is [redacted] and the way to call and speak with a supervisor at [redacted]'s location is by dialing [redacted] and selecting option 2. If there is any doubt that what I've said is true I have photo verification of my incoming call log showing the number above, time, date, and duration of call. This happened. Please help me resolve it.Desired Settlement: I would like [redacted] to be reprimanded and dealt with for her inappropriate contact. I would also like reassurance that no further contact from this establishment will be made once this has been resolved. And finally I would like to know if I have any reason to be alarmed in the event foul play was involved (aka fraudulent loans, credit checks, soft credit pings, etc)

Business

Response:

Dear [redacted],Thank you for taking the time to speak to me! As discussed, [redacted] dialed your phone number in error in an effort to contact her current landlord. I’m glad that we could clear matters up. Thank you so much!

Consumer

Response:

I appreciate your help very much. After the gentlemen from corporate got involved I am very satisfied with the way things were handled and feel much more at peace with what occured. He was very thorough and handled my complaint with the utmost respect and care. Please close this case and I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

I applied for my loan last week. I understood the that if I signed my agreement that it would be an interest rate of my history. I was very satisified with my rate. I had applied to another company and I got a 22% rate compared to the 13% I got from Best Egg. I was very happy and my funds were deposited within two days. I haven't dealt with any customer service people yet, but if the company is as efficient as getting my loan and low rate I wont doubt there people are just as efficient.

So simple and private. very fat

I will admit I was skeptical at first because it seemed too easy to be true. But the process was exactly as advertised. The online process was extremely smooth from the time of application to the money being in the bank. The money was in my account within 48 hours. I was amazed at the quick process.

I considered getting a credit card consolidation loan and looked at several other lenders before deciding to apply with Best Egg. The application process was easy, I applied on a Wednesday night at 10 pm, received an email Thursday my loan was approved and funds were direct deposited into my bank account on Friday. Truly a Streamlined Lending Process! Thanks Best Egg! I highly recommend!

I was very pleased with how easy the site was and the ease of the application process was. I am very happy to be a Best Egg customer!

well, got that letter, filled out information, I have very good credit , 24 percent interest is what they offered and loan amount would only be 19,900. So how can u get the 5.9 interest rate? The last time I was offered a 24 percent interest rate was when I had no credit. SCAM letters that they are sending out. From the other reviews they will reply to this review and say please call, as with others they don't do anything. Consolidation sounded good, but hey I can just get a credit card that offers free balance transfers and no internet for 12 months. I went here cause I figured I could get at least a 6.3 interest rate lol. This company is fishing for the weak, no amount of loan is worth paying back that high of interest.

I have been trying to reach best egg for a month to speak to a real person to get my loan automatic payment date changed- I do not have my account number because I was enrolled in paperless billing. When the "enter your account number" prompt comes up when calling the 855 number, I don't enter anything, and the automated voice says "connecting you with customer service".... Then a busy tone. Every.single.time. I would really, really appreciate it if someone would contact me. Super frustrating.