BorrowersFirst, Inc.

We apologize for the inconvenience and trouble you've had reaching us. On October 1st we transferred servicing of your account to a new provider and they should have reached out to you regarding their contact information.Upon the receipt of your complaint, we've reached out to them and asked
that they contact you regarding your loan with BorrowersFirst. They will provide the phone number and online portal for payments.However, if they have not reached out, please contact them via one of the following methods:
*** *** ***Email: ***Portal: wwwprivateloanservicing.comThank you for your business. Again, we apologize for the miscommunication on your account

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is on the surface acceptable to meI am however greatly displeased with the company for not notifying me themselves that ownership of my loan was going elsewhereInstead they are placing that responsibility elsewhere and in doing so created unnecessary stress in my life when I went to pay my bill and couldn'tIt should not be this hard for me to do what is asked of me (pay on time) and I hope that their negligence doesn't end up affecting my credit.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

We apologize that you've not been able to get through to our servicing teamWe transferred the servicing of your loan to 1st Associates on October 1st of this year and they should have reached out to you to let you know their contact informationI've attached a letter that they sent on 11/14/
that provides their contact information so that you can contact them to assist with your loan. 1st Associates can be reached at 1-***They will need your loan number and to verify your information for security purposes; however, they should be able to provide any loan information to you that you may needAgain, I apologize for the confusion and for the inconvenienceHave a great day and weekend ahead

We apologize for the inconvenience and trouble you've had reaching us. On October 1st we transferred servicing of your account to a new provider and they should have reached out to you regarding their contact information.Upon the receipt of your complaint, we've reached out to them and asked
that they contact you regarding your loan with BorrowersFirst. They will provide the phone number and online portal for payments.However, if they have not reached out, please contact them via one of the following methods:Phone: *** ***Email: ***Portal: wwwprivateloanservicing.comThank you for your business. Again, we apologize for the miscommunication on your account

BorrowersFirst reached out to Ms*** on August 9, to apologize for the way her interactions with us were handledShe spoke with the supervisor that she asked to speak with in her complaint and he was able to quickly issue her a refund check for the fees she incurred due to her overdrawn
bank accountOn this call, she also requested a letter from us to provide to her mortgage companyThis letter will be sent to her via email by August 18, We thank Ms*** for working with us to correct this issue with her account and we look forward to working with her again in the future

BorrowersFirst, Incsincerely apologizes for the manner in which Ms*** interactions with us were handledWe have cancelled her application for a loanWe are required by law to retain applications, cancelled or otherwise, for months.The credit report in quiry is hard to remove and may
take some time; however, we are willing to work with Ms*** and TransUnion to resolve thisShe can contact BorrowersFirst's Compliance Department at *** to discuss further stepsWe thank Ms*** for her business and hope that we can earn her business again in the future

We have reviewed the complaint and understand the concern raised by Mr***. BorrowersFirst is currently setting up our credit bureau reporting process and will begin reporting all loan activity of our customers over the next two months. It is important to note that the Fair Credit
Reporting Act does not require creditors to report data to the Credit Reporting Agencies; however, we understand how important this is to our customers that are trying to build their credit by paying their loan on time. As such, we will report Mr***'s loan, along with all loans on the BorrowersFirst platform to a Credit Reporting Agency within the next two months. Finally, as requested, we will send a letter confirming that the loan has been paid in full. We thank Mr*** for his business and hope we have the opportunity to earn his business again in the future

We apologize for the inconvenience and trouble you've had reaching us. On October 1st we transferred servicing of your account to a new provider and they should have reached out to you regarding their contact information.Upon the receipt of your complaint, we've reached out to them and asked
that they contact you regarding your loan with BorrowersFirst. They will provide the phone number and online portal for payments.However, if they have not reached out, please contact them via one of the following methods:Phone* *** ***Email: ***Portal: wwwprivateloanservicing.comThank you for your business. Again, we apologize for the miscommunication on your account

Complaint: ***
I am rejecting this response because: I just caled different numbers for Borrowers First in response to this message and they still aren't working, as per usual
Regards,
*** ***

We apologize for the inconvenience and trouble you've had reaching us. On October 1st we transferred servicing of your account to a new provider and they should have reached out to you regarding their contact information.Upon the receipt of your complaint, we've reached out to them and asked
that they contact you regarding your loan with BorrowersFirst. They will provide the phone number and online portal for payments.However, if they have not reached out, please contact them via one of the following methods:Phone: *** ***
Email: ***Portal: wwwprivateloanservicing.comThank you for your business. Again, we apologize for the miscommunication on your account

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
This issue has been resolved. The company has reached out to me and has provided me access to my account via a different
website, and also gave an alternate phone number NOT listed on their website. Crazy that their main website is NOT updated with these changes, but I'm happy to see my issue has been resolved.thank you for all of your help!*** ***

Mr*** called on March 24, to notify us about the error with his March 22, paymentWe confirmed that there was an error and we quickly worked to correct itAfter apologizing and taking responsibility for this error, we applied the correct amount of funds to his account so that it was
paid offWe also cut him a refund check, which was sent via UPS on March 29th, tracking #***According to the tracking information on the UPS website, Mr*** should have received his refund on March 30thWe sincerely apologize for Mr*** service experience and we thank him for his businessIf he has any further questions, he can contact us via email, *** or via phone, ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

Complaint: ***
I am rejecting this response because:The reason I rejected their reasoning is because it's DISHONEST AND BEYOND CONTRADICTIONLIES, LIES, LIES!!!!!!!!! IM SORRY BUT THERE ISNT MUCH TO EXPLAINThey told me different times that they either reported my payments or was intending to report my payments and no payments have been reported thus far since the beginning of the loanIts SIMPLEREPORT ALL MY PAST PAYMENTS UP TO MY PRESENT POINT TO ALL BUREAUSTHATS ALL I ASKI just want to continue making my payments and get it reported (as it should) ea month peacefully.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThanks for your help. Without your office I would not have found info to review my loan.
Regards,
*** ***

After researching the events and the consumer's application process history, we found that the consumer was auto declined due to "Insufficient recent credit experience based on obligations, or obligations unknown." When we send out mailers or invite consumers to apply for loans, we
do disclose that there are certain credit requirements, as with any loan, that must be met.Unfortunately Mr***'s credit history did not meet those requirements. It is not necessarily just a score or income, etcbut a combination of several things are used to determine credit eligibility

We appreciate and empathize with Mr.*** desire that his payment performance be reported to the credit bureausWe also recognize that it’s important to him, and it is likewise important to us.We are a small but fast growing lenderThe major US credit bureaus generally require a minimum number of
active accounts (borrowers) per month, per lender, before accepting reporting from the lender. Until recently, BorrowersFirst has been too small to meet those requirements. Now that we have exceeded the minimum volume requirements for reporting, we are in the early days of implementing a process for reporting to the bureaus and will begin reporting shortlyWe anticipate that reporting will commence within the next few months and that our reporting will include back history.It is worth mentioning that while lenders who choose to report to credit reporting agencies are legally required to report accurate information, the law does not require lenders to reportOnly that if a lender chooses to report, that the reporting is accurate

We apologize for any difficulties you may have experienced in attempting to contact us. There have been changes to our contact information, please see the updated contact information for Borrowers First: Phone: [redacted] Email: [redacted] Portal: www....

privateloanservicing.com   Regarding your overpayment, we did process an automatic payment of $375.14 on 10/4/2017. Of that payment, $11.69 was used to pay off your account and we agreed to refund the remaining $363.45 to you. This refund was approved and sent on 11/2/2017 and takes 5-7 business days to arrive. We would like to thank you in advance for your understanding and ask that you feel free to contact us if you have any questions.   If you would like to update your contact information, make a payment or ask a question, our offices can be reached at [redacted]; Monday-Friday from 6:00 AM-7:00 PM (PST) and Saturdays from 7:00 AM-12:00 PM (PST). Thank you for your patience and we apologize for the inconvenience.

All loans were transferred over to other legitimate businesses to service your loan. Service transfer notices were sent out to the addresses we had on file. Your loan is now with First Associates. You can contact First Associates concerning your loan at [redacted].