Community Career Training Institute

Dear [redacted],Thank you for taking the time to share your concerns and
allowing me to respond!  I had the
opportunity to listen to the calls involved with your customer experience.  The agent was correct in telling you that by “checking
your rate” online there is no impact to your...

credit rating as we only facilitate
a “soft pull”.  Once you accepted the loan
it does become a hard inquiry as stated in the disclosures on our website.  Also, on our website it asks specifically for
your checking account information.  I
apologize that the agent you spoke with gave you incorrect information regarding
the checking account requirement after you specifically stated you did not have
one.  Due to the agent not providing
accurate information, we have suppressed the hard inquiry from posting to your
credit report.  I apologize for any
inconvenience this may have caused.  I
have tried to contact you several times with no success, please feel free to
contact me at your earliest convenience with the contact information I left on
your voicemail.  Thank you!

Revdex.com:
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.
Regards,

Dear Mr. [redacted]Thank you for reaching out and giving me an opportunity to respond to your concerns.  I reviewed the notes on your application and see we have tried to contact you several times unsuccessfully.  I personally called each number on your application as follows: the mobile number...

provided is no longer in service, a gentleman who answers the home number you provided informed us we have the wrong number and your employer's number plays a "radio" recording which disconnects at the end of the message.  I did leave you a message at the phone number you provided in this complaint.  After reviewing the documentation you submitted, the income does not support the amount entered on your application.  For this reason, the loan is declined and you will receive a letter via mail in 7-10 days.  Please reach out if I can be of any further assistance.Thanks

Dear [redacted]-I apologize for any inconvenience we may have caused.  The reason for the calls was to ask for another personal voided check as the copy we received is illegible.  I have ensured your application is cancelled and you will receive no further communications regarding this...

application.  I have also requested the recorded calls to provide feedback to our agent.  I appreciate your application and hope we can do business in the future.

Dear [redacted] Thank you for taking the time to speak to me and allowing me to respond to your concerns!  As discussed, per your request, you have been added to our “Do Not Solicit” file.  You may receive additional solicitations for up to 60 days due to us initiating print at our mail...

vendor a month in advance.  Thank you for checking your rates with Best Egg, I apologize we were unable to present you with an offer at this time.  Please rest assured that your credit rating was not impacted as a result of your application as we only facilitated a soft inquiry.  Please feel free to contact me directly with any additional questions or concerns.  Thank you!

Dear [redacted],
Thank you for taking the time to speak to me!  I apologize you did not have more time to speak when I called.  As discussed, please call me directly at your earliest convenience to discuss the specific details of your loan.  Please rest assured this is a fixed...

rate loan obligation.  Thank you!

Revdex.com:
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
Regards,

Dear [redacted], Thank you for reaching out and allowing me to respond to your concerns!  I apologize that the solicitation you received included the suffix Jr.   We partner with Experian to help us identify customers we would like to market too based on specific credit...

criteria.  Experian provided us with the suffix that was included in the marketing solicitation you received.  I would encourage you to reach out to them in order to remediate.  Unfortunately, we cannot contact them on your behalf to initiate an investigation as to why they have Jr associated with your contact information.  You can contact Experian via phone at 1-888-397-3742 or by mailing PO Box 919 Allen, TX 75013.  I apologize for any inconvenience this has caused.  Based on our records you previously requested to be added to our “do not solicit” file.  You may receive additional solicitations for up to 60 days due to us initiating print at our mail vendor a month in advance but I can assure you that you will not be included in any future campaigns.  I have tried to contact you several times to discuss with no success, please feel free to contact me directly using the information I left on your voicemail if you have any additional questions or concerns.  Thank you!

Dear [redacted], Thank you for taking the time to speak to me and allowing me to respond to your concerns!  As discussed, I sincerely apologize for the less than stellar customer experience you received.  I can assure you that all agents and supervisors involved will receive the...

appropriate feedback as a result.  Per your request, I have mailed you a letter confirming that your automatic payment withdrawal has been cancelled and that you have satisfied your loan obligation with Best Egg.  Please feel free to contact me directly with any additional questions or concerns.  Thank you!

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.

 Sounds like they are going to hide behind the excuse of "it takes a while".  They are a bunch of  people just trying to fleece people out of money.  I hope I NEVER receive anything from them again.  I am going to let everyone I know not to respond to their literature.  I will trash them all over this area.  I have nothing but HATE in my heart for them.  If I heard tomorrow that they went out of business, I would cheer.  I wish them nothing but bad to happen to them.  Revdex.com Delaware thank you for your assistance in this matter.  I don't think there is anything else you can do.?

Mr. [redacted]- Thank you for reaching out and sharing your concerns.  I can assure you Best Egg's sole intention of collecting your personal information is to render a credit decision.  Obtaining a loan, even when pre-approved, is subject to a satisfactory review of your credit....

 Unfortunately, due to a change in your credit (current delinquency) between the time your information was pre-screened and your application, we were unable to approve the loan.  I attempted to reach you via phone.  If you have any questions or would like to discuss this matter further, please don't hesitate to reach out.  Thank you for your interest in a Best Egg Loan.  I am hopeful we can meet your financial needs in the future.

Dear [redacted], Thank you for taking the time to reach out and allowing me to respond to your concerns!  I have had the opportunity to research the details of your complaint.  Based on the findings our servicer (SST) wired the full amount of $415.50 back to your personal checking...

account.  I apologize for any inconvenience this may have caused and can assure you that feedback will be provided appropriately.  I have tried to reach you several times with no success, 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!

Dear Mr. [redacted],Thank you for sharing your concerns and giving me the opportunity to respond.  I apologize for any confusion you felt during your loan application process.  Please note that we pride ourselves on transparency and want all customers to be candidly aware of the...

loan terms being offered to them.  I have cancelled your application per your request.  Please feel free to contact me at your earliest convenience, I have made several attempts to contact you to discuss this matter.

Dear [redacted], Thank you for taking the time to speak to me and allowing me to respond to your concerns!  As discussed, when you applied you were eligible for a $250 gift card.  I have sent the gift card to the address on file, you should receive it within the next 2 days.  I...

apologize for any inconvenience experienced.  Please feel free to contact me directly with any additional questions or concerns.  Thank you!

Dear [redacted], Thank you for taking the time to speak to me and allowing me to respond to your concerns!  As discussed, the origination fee was a part of the original loan agreement and the total amount financed.  Due to the timing of your pay off we will be processing your request...

as a loan rescission and will refund the origination fee of $499.  Please feel free to contact me directly with any additional questions or concerns.  Thank you!

Dear [redacted], Thank you for taking the time to share your concerns and allowing us to respond!  We apologize for the inconvenience that this systemic error has caused.  We want to assure you that your information is safe and secure.  We have attempted to contact you several...

times with no success.  Please rest assured that with our apology email referenced in your complaint we have also requested removal of any hard inquiry to the consumer reporting agencies that was generated as a result of the application be removed to remedy any impacted parties.  Please reach out to me directly at your earliest convenience with the information provide on your voicemail.  I would like to personally apologize and ensure we have resolved this issue to your satisfaction and address any additional questions or concerns you may have.  Thank you, and again, we apologize for any inconvenience this may have caused!

Dear [redacted] Thank you for reaching out and allowing me to respond to your concerns!  Per your request, you have been added to our “do not solicit” file.  You may receive additional solicitations for up to 60 days due to us initiating mail at our print vendor a month in advance.  I...

can assure you that you will be removed from any future campaigns that have not already been initiated.  I apologize for any inconvenience this may have caused.   I tried contacting you via the phone number provided in your complaint with no success, please feel free to contact us at [redacted] with any additional questions or concerns.  Thank you!

Dear Mr. [redacted], Thank you for taking the time to speak to me and allowing me to respond to your concerns!  As discussed, we have established criteria used to meet loan eligibility requirements, one of which is the absence of current delinquency.  The concept of pre-approval for a Best Egg...

loan is predicated on information we obtain from the credit bureaus and our credit criteria. Once you apply, we make credit decisions based on your credit history and the information provided in the loan application such as income, employment and other key financial ratios.  Unfortunately, because of the delinquency currently being reporting on your credit file we were unable to present you with a loan offer.  Also, as discussed, please rest assured that the information obtained is solely used for the purposes of your loan application and rendering a credit decision, we do not sell your personal information.  Your credit rating was not impacted as a result of your application as we only facilitated a “soft pull”.  Lastly, per your request, you have been added to our “do not solicit” file.  You may receive additional solicitations for up to 60 days due to us initiating mail at our print vendor a month in advance.  I apologize for any inconvenience this may have caused. Please feel free to contact me directly with any additional questions or concerns.  Thank you!

Dear Mr. [redacted], Thank you for taking the time to reach out and allowing me to respond to your concerns!  Based on our records and review of the call recordings surrounding your Customer Experience notated above, our research indicates that you were clearly advised verbally that checking your...

rate would result in a soft credit inquiry that would convert to a hard credit inquiry once a Best Egg loan offer was accepted.  In addition, you were also advised during that conversation that the Best Egg Loan application information was subject to final verification.  After acceptance of your Best Egg loan offer you were presented with a list of documents we would require in order to verify your Best Egg Loan application prior to funding.  During the verification process you were advised that we would need to verify the income listed on your Best Egg loan application based on 2014 and 2015 income. We need to verify income that is attributable to the individual business owner’s income.  Thus, we verify net income when reviewing Self Employed applicant’s income.  I apologize for any inconvenience this may have caused.  Please feel free to contact me directly at the number I left on your voicemail at your earliest convenience.  Thank you!

Dear [redacted] Thank you taking the time to speak to me and allowing me to respond to your concerns!  As discussed, you have been removed from automatic payment withdrawals and you will now receive monthly statements per your request. I apologize that you feel that you selected the wrong...

offer when accepting the loan offer online.  Unfortunately, I am unable to change the loan terms that you agreed to and that were presented in your Truth in Lending Disclosure Statement and your Loan Agreement.  Please feel free to contact me directly if you have any further questions or concerns.  Thank you!