Cash Fairy

Complaint Handler Clearwater Lending Group [redacted] Mail Returned [redacted] ** [redacted] ID – [redacted] To whom this may concern, Mr [redacted] application was received the morning of Monday, March 23, Mr [redacted] was pre-approved for an online installment loan During the call with one of our representatives, Mr [redacted] was informed that once his information was verified and submitted to our underwriting group for finally review he would receive a confirmation email that his loan was submitted for approval and funding Mr [redacted] called several times throughout the day asking when his loan would be funded He was told that we were experiencing a heavy loan request day and his loan request would be processed in the order it was received Later in the afternoon Mr [redacted] called three times during a minute span Each time he called he was becoming more agitated He told our reps that he was very familiar with the online lending process and that he felt we were taking too long to approve his loan and wire him the money Again he was told that his request was being processed in the order it was received The last time Mr [redacted] called he told our rep that if he did not receive the wire before his credit union closed he did not want the loan Since our wire cutoff time was approaching and we were stilling processing other customers’ wire requests, we were not confident we could fund Mr [redacted] request before his credit union closed, so we withdrew his loan request He was sent an adverse action email that same day On Wednesday, March 25, Mr [redacted] called our office demanding to know where his loan proceeds were He was told again that his loan request was withdraw Mr [redacted] became very belligerent on the phone, used profanity towards our rep and told her that “he was going to blow us up on the Internet” Given Mr [redacted] prior behavior and totally inappropriate threat we feel Mr [redacted] should explore other lending channels Sincerely, [redacted] * Operations Manager CashFairy.Com

To whom this may concern, Mr [redacted] application was received the morning of Monday, March 23, Mr [redacted] was pre-approved for an online installment loan During the call with one of our representatives, Mr [redacted] was informed that once his information was verified and submitted to our underwriting group for finally review he would receive a confirmation email that his loan was submitted for approval and funding Mr [redacted] called several times throughout the day asking when his loan would be funded He was told that we were experiencing a heavy loan request day and his loan request would be processed in the order it was received Later in the afternoon Mr [redacted] called three times during a minute span Each time he called he was becoming more agitated He told our reps that he was very familiar with the online lending process and that he felt we were taking too long to approve his loan and wire him the money Again he was told that his request was being processed in the order it was received The last time Mr [redacted] called he told our rep that if he did not receive the wire before his credit union closed he did not want the loan Since our wire cutoff time was approaching and we were stilling processing other customers’ wire requests, we were not confident we could fund Mr [redacted] request so we withdrew his loan request He was sent an adverse action email that same day On Wednesday, March 25, Mr [redacted] called our office demanding to know where his loan proceeds were He was told again that his loan request was withdraw Mr [redacted] became very belligerent on the phone, used profanity towards our rep and told her that “he was going to blow us up on the Internet” Our rep initially thought he made a physical threat to her and she was very shaken up Later after we listened to the call we realized his threat (while totally inappropriate) was not directed at her Given Mr [redacted] prior behavior, his use of profanity and threatening remarks, we believe Mr [redacted] should seek other lending options Sincerely, [redacted] * Operations Manager CashFairy.Com

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received, your complaint will be closed Administratively Resolved] Revdex.com, I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaintFor your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matterThe response does not mention how I was told multiple times Monday March 23rd, Tuesday the 24th, and Wednesday the 25th that I was already approved for the loan and funds were sent to my credit union on Monday March 23rdI never stated that they were taking too long to approve the loan because I was informed the very first day that I was approvedI had said it shouldn't take so long to send the money.Like I previously said, since I was told that the funds were already sent to my credit union on Monday, March 23, I withdrew my last $to pay a bill on Tuesday, March 24thI only did this because [redacted] assured me that I already had an actual loan, and that the funds were already sent to my bankI would have never spent the last of my money without making sure Cash Fairy had already sent the funds to my bankIn regards to the statement that I was belligerent, I disagree and would say I was agitatedI only said I would talk about them on the internet if they had lied didn't fulfill my loan like they said they didI never said I did not want the loanThey were going to wire me $if I could not provide my debit card numberSince I did provide it, they said I could get the $At no point in time did I receive an adverse action emailI also was still being told Wednesday afternoon that I would have the money by the end of the business dayIf my loan was withdrawn, why was I told numerous times to just be patient, and the money would be in my account when my bank posts itIn regards to being agitated, it was because on Monday a rep told me my loan was cancelledWhen I called back Tuesday, I was told they did not know why I was told that, and that my funds were already sent to my bankAt that time, I did apologize that I may have seemed upsetI also stated that I did not appreciate the different answers I was being told about the timing of the funding of the loanI was only upset on Monday, and was extremely nice and patient throughout all my remaining contacts with the companyIf they were just honest with me and told me my loan was not approved, I would have moved onI am in even more disbelief that the management is now saying I knew the loan was withdrawnI work in customer service myself and respect anyone I speak to on the other endI am and have never felt the need to report a company to the Revdex.comI was lied to and my personal life was negatively effected due to this incidentI spent money because I was lied to by this companyThis has effected me so much, that if this is not resolved through this complaint, I am going to have to file a law suit because I have been unable to fix my financial situation caused by this companies dishonesty.Sincerely, [redacted] Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received, your complaint will be closed Administratively Resolved]
Revdex.com,
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter. The response does not mention how I was told multiple times Monday March 23rd, Tuesday the 24th, and Wednesday the 25th that I was already approved for the loan and funds were sent to my credit union on Monday March 23rd. I never stated that they were taking too long to approve the loan because I was informed the very first day that I was approved. I had said it shouldn't take so long to send the money.Like I previously said, since I was told that the funds were already sent to my credit union on Monday, March 23, I withdrew my last $200.00 to pay a bill on Tuesday, March 24th. I only did this because [redacted] assured me that I already had an actual loan, and that the funds were already sent to my bank. I would have never spent the last of my money without making sure Cash Fairy had already sent the funds to my bank. In regards to the statement that I was belligerent, I disagree and would say I was agitated. I only said I would talk about them on the internet if they had lied didn't fulfill my loan like they said they did. I never said I did not want the loan. They were going to wire me $200 if I could not provide my debit card number. Since I did provide it, they said I could get the $350. At no point in time did I receive an adverse action email. I also was still being told Wednesday afternoon that I would have the money by the end of the business day. If my loan was withdrawn, why was I told numerous times to just be patient, and the money would be in my account when my bank posts it. In regards to being agitated, it was because on Monday a rep told me my loan was cancelled. When I called back Tuesday, I was told they did not know why I was told that, and that my funds were already sent to my bank. At that time, I did apologize that I may have seemed upset. I also stated that I did not appreciate the different answers I was being told about the timing of the funding of the loan. I was only upset on Monday, and was extremely nice and patient throughout all my remaining contacts with the company. If they were just honest with me and told me my loan was not approved, I would have moved on. I am in even more disbelief that the management is now saying I knew the loan was withdrawn. I work in customer service myself and respect anyone I speak to on the other end. I am 31 and have never felt the need to report a company to the Revdex.com. I was lied to and my personal life was negatively effected due to this incident. I spent money because I was lied to by this company. This has effected me so much, that if this is not resolved through this complaint, I am going to have to file a law suit because I have been unable to fix my financial situation caused by this companies dishonesty.Sincerely,[redacted]
Regards,
[redacted]

Complaint Handler
Clearwater Lending Group
[redacted]Mail Returned
[redacted]  ** ...

[redacted]
ID –
[redacted]
 
To whom this
may concern,
 
Mr. [redacted]
application was received the morning of Monday, March 23, 2015.  Mr. [redacted] was pre-approved for an online
installment loan.  During the call with
one of our representatives, Mr. [redacted] was informed that once his information
was verified and submitted to our underwriting group for finally review he
would receive a confirmation email that his loan was submitted for approval and
funding.
 
Mr. [redacted]
called several times throughout the day asking when his loan would be
funded.  He was told that we were
experiencing a heavy loan request day and his loan request would be processed
in the order it was received.  Later in
the afternoon Mr. [redacted] called three times during a 30 minute span.  Each time he called he was becoming more
agitated.  He told our reps that he was
very familiar with the online lending process and that he felt we were taking
too long to approve his loan and wire him the money.  Again he was told that his request was being
processed in the order it was received. 
The last time Mr. [redacted] called he told our rep that if he did not
receive the wire before his credit union closed he did not want the loan.  Since our wire cutoff time was approaching
and we were stilling processing other customers’ wire requests, we were not confident
we could fund Mr. [redacted] request before his credit union closed, so we withdrew his loan request.  He was sent an adverse action email that same
day.
 
On
Wednesday, March 25, 2015 Mr. [redacted] called our office demanding to know where
his loan proceeds were.  He was told
again that his loan request was withdraw. 
Mr. [redacted] became very belligerent on the phone, used profanity towards
our rep and told her that “he was going to blow us up on the Internet”.
 
Given Mr.
[redacted] prior behavior and totally inappropriate threat we feel Mr. [redacted]
should explore other lending channels.
 
Sincerely,
[redacted].
Operations
Manager
CashFairy.Com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.] The response does not mention how I was told multiple times Monday March 23rd, Tuesday the 24th, and Wednesday the 25th that I was already approved for the loan and funds were sent to my credit union on Monday March 23rd. I never stated that they were taking too long to approve the loan because I was informed the very first day that I was approved. I had said it shouldn't take so long to send the money.Like I previously said, since I was told that the funds were already sent to my credit union on Monday, March 23, I withdrew my last $200.00 to pay a bill on Tuesday, March 24th. I only did this because [redacted] assured me that I already had an actual loan, and that the funds were already sent to my bank. I would have never spent the last of my money without making sure Cash Fairy had already sent the funds to my bank. In regards to the statement that I was belligerent, I disagree and would say I was agitated. I only said I would talk about them on the internet if  they had lied didn't fulfill my loan like they said they did. I never said I did not want the loan. They were going to wire me $200 if I could not provide my debit card number. Since I did provide it, they said I could get the $350. At no point in time did I receive an adverse action email. I also was still being told Wednesday afternoon that I would have the money by the end of the business day. If my loan was withdrawn, why was I told numerous times to just be patient, and the money would be in my account when my bank posts it. In regards to being agitated, it was because on Monday a rep told me my loan was cancelled. When I called back Tuesday, I was told they did not know why I was told that, and that my funds were already sent to my bank. At that time, I did apologize that I may have seemed upset. I also stated that I did not appreciate the different answers I was being told about the timing of the funding of the loan. I was only upset on Monday, and was extremely nice and patient throughout all my remaining contacts with the company. If they were just honest with me and told me my loan was not approved, I would have moved on. I am in even more disbelief that the management is now saying I knew the loan was withdrawn. I work in customer service myself and respect anyone I speak to on the other end. I am 31 and have never felt the need to report a company to the Revdex.com. I was lied to and my personal life was negatively effected due to this incident. I spent money because I was lied to by this company. This has effected me so much, that if this is not resolved through this complaint, I am going to have to file a law suit because I have been unable to fix my financial situation caused by this companies dishonesty.Sincerely,[redacted]
Regards,
[redacted]

To whom this
may concern,
 
Mr. [redacted]
application was received the morning of Monday, March 23, 2015.  Mr. [redacted] was pre-approved for an online
installment loan.  During the call with
one of our representatives, Mr. [redacted] was informed that once his information
was verified and submitted to our underwriting group for finally review he
would receive a confirmation email that his loan was submitted for approval and
funding.
 
Mr. [redacted]
called several times throughout the day asking when his loan would be
funded.  He was told that we were
experiencing a heavy loan request day and his loan request would be processed
in the order it was received.  Later in
the afternoon Mr. [redacted] called three times during a 30 minute span.  Each time he called he was becoming more
agitated.  He told our reps that he was
very familiar with the online lending process and that he felt we were taking
too long to approve his loan and wire him the money.  Again he was told that his request was being
processed in the order it was received. 
The last time Mr. [redacted] called he told our rep that if he did not
receive the wire before his credit union closed he did not want the loan.  Since our wire cutoff time was approaching
and we were stilling processing other customers’ wire requests, we were not
confident we could fund Mr. [redacted] request so we withdrew his loan request.  He was sent an adverse action email that same
day.
 
On
Wednesday, March 25, 2015 Mr. [redacted] called our office demanding to know where
his loan proceeds were.  He was told
again that his loan request was withdraw. 
Mr. [redacted] became very belligerent on the phone, used profanity towards
our rep and told her that “he was going to blow us up on the Internet”.   Our rep initially thought he made a physical
threat to her and she was very shaken up. 
Later after we listened to the call we realized his threat (while
totally inappropriate) was not directed at her.
 
Given Mr.
[redacted] prior behavior, his use of profanity and threatening remarks, we believe
Mr. [redacted] should seek other lending options.
 
Sincerely,
[redacted].
Operations
Manager
CashFairy.Com

Attached is our response to the complaint filed by Ms. [redacted].