Community Career Training Institute

Dear [redacted] ,Thank you for sharing your concerns and allowing me torespond! We were unable to locate any record of your request to ceasereceiving future offers so I added you to our “do not solicit” file withimmediate effect Please be advised it can take up to days to stopreceiving mail offers Please feel free to contact me directly with theinformation I left on your voicemail Thank you!

It appears that the customer was under the impression that she was applying for a refinance of her original Best Egg loan with the expectation that she would receive a lower interest rateUnfortunately, loan refinance is not an available Best Egg loan purpose According to our records, the customer selected “debt consolidation” as her Best Egg loan purpose on her second loan application In addition, as previously explained, there are many factors that determine eligibility and requests for credit are subject to approval at the time of application Our records also show that the customer applied for a Best Egg loan through our “check your rate” process As disclosed, the customer was under no obligation to accept a loan offer by simply checking her rateHowever, we have confirmed that the customer accepted a loan offer and subsequently provided verification documents prior to loan funding We hope this additional detail provides clarity and Best Egg considers this matter resolved

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!

Mr [redacted] -Thank you for sharing your concerns I want to assure you we do not share your information with any third parties I have addressed this with the applicant who submitted that review to their satisfaction I have added you to our "do not solicit" file to ensure you do not receive future loan offers from Best Egg Please reach out with any further questions

Dear [redacted] , Thank you for taking the time to reach out and allowing me to respond! I apologize that there was a delay in your payoff Due to the timing of your normally scheduled payment on 3/2/in the amount of $271.41, the payoff amount you initiated on 3/3/was more than the payoff amount actually owed Unfortunately, we will not process a payoff amount that is more than the amount owed I apologize for any inconvenience this has caused According to our records you spoke to a supervisor on 3/11/who set up the correct payoff amount based on the amount that was owed on 3/3/in the amount of $5, All interest accrued from 3/3/when the payoff was initiated will be waived As of today you no longer owe on your Best Egg loan as long as your payment does not return as insufficient Please feel free to contact me directly with any additional questions or concerns using the information I left on your voicemail I have tried to contact you several times to discuss with no success Thank you!

Dear S [redacted] Thank you for taking the time to speak to me and allowing me to address your concerns! It was a pleasure to speak to you and be able to clarify our pre-approval criteria and discussing the multiple applications that we had in your name for a Best Egg personal loan I hope my explanation provided clarity Please rest assured that your credit was not impacted as a result of any of the applications currently on file, as only a soft credit inquiry was generated 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***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-days Please reach out if I can be of any further assistance.Thanks

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 and call the number you provided in your complaint Unfortunately, the reason you had no success with your request was because the number you called is not associated with Best Egg Our telephone number is [redacted] as detailed in the offer you received I can assure you we do not sell various products Currently, we only offer an unsecured personal loan product Per your request, you have been added to our “do not solicit” file You may receive additional solicitations for up to 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 Please feel free to contact me directly using the information I left on your voicemail 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, I have sent you a copy of your transaction history since loan origination Per your request, you have been enrolled to receive monthly statements I apologize that the agent you spoke to was not able to provide you with that information Please feel free to contact me directly if you have 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 find that this resolution is satisfactory to me Regards, [redacted]

Dear [redacted] ,Thank you for sharing your concerns First, I would like to assure you that your credit was not impacted as a result of your application as we only facilitated a “soft pull” I am unable to communicate the specifics of your application but would like to assure you that many factors are considered when determining the appropriate rate of interest for each loan These factors include a review of your credit history, financial ratios and information you provided in your application such as income and employmentLastly, per your request I have added you to our “Do Not Solicit” file I apologize for any inconvenience we may have caused Thank you for your application, hopefully we can serve your financial needs in the future

Dear [redacted] ,Thank you for reaching out and sharing your concerns I understand your frustration and hopefully I can add a little transparency First, I'd like to start by thanking you for applying We send pre-approved mail based on our established criteria This criteria includes both attributes from your credit file as well as information we gather during the application process, primarily income To receive an offer, you passed the credit criteria as of the day the pre-approval occurred After reviewing the application, the reason the loan was not approved was related to the current debt to income ratio based on your individual income I am happy to speak with you and provide any further details I left my contact information via voicemail Thanks again for your application and I hope we can serve your financial needs in the future

Dear Customer-Thank you for sharing your concerns and giving me an opportunity to respond I can understand it seems odd to receive and offer and eventually have a loan application declined We sent you a letter with the reason for the decision, primarily due to the number of recent credit inquiries I'm showing inquiries for credit over the past month which do not include any from Best Egg (soft inquiries) Additionally, I have requested the call recordings for your interactions with Best Egg I will review and provide feedback as applicable to the agent you spoke with I do apologize if you felt your treatment was less than stellar I left you a voicemail with my direct line should you have any further questions Please call if I can be of any further assistance

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 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!

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.I understand that loans made to an individual will be based upon that individual's income Therefore, DO NOT ask for household income amounts as this is NOT going to be considered for loan approvals Unnecessarily asking for household income amounts is rude and very nosy!!The practices of this business make me very suspicious, especially when they ask loan applicants if their money is directly deposited into their bank account If I have a job, then what does it matter to a loan company if I carry a paper paycheck to the bank, or if I have it directly deposited? I will be watching my accounts and my identity information very closelySend this message to Best Egg, as they have not provided me with any other means of contact This will end my complaint Best Egg need not respond - EVER!

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] 2, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.I do not recall verbally confirming that a soft pull would also include a hard pull from the first rep I spoke withThis was not verbally given until the 2nd rep said that the soft pull will lead to a hard pullI was also told that the first reps should not have advised that my income would suffice from a PnL statement (Not a schedule C)If these reps are not authorized to clarify documents that need providing, they should not verify that a PnL statement from showing current Net would sufficeIt was clearly stated by myself to both reps that I had "Not" filed my taxes, therefore a schedule C would not be possibleI still insist further investigation leading to the hard pull do to misleading and intent to state that I was in the faultThese conversations were recorded for these purposesBest egg should not be pointing the finger back at me when obvious recordings prove that misleading info led to the soft and the hard pull from the first and 2nd repsI spoke to a supervisor yesterday who stated that these employed reps assumed that PnL was Schedule CHow is this possible when I clearly stated that had not been filedThe first rep even said that most self employed don't file at the beginning of the year that the PnL income should be fineMy dispute is still holding to misleading info resulting in the pull

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!

Dear Mr [redacted] Thank you for taking the time to speak with me! It was a pleasure hearing your feedback on how we could improve our application and funding experienceI appreciate you taking the time to let us know your concernsWelcome to Best Egg, and please don’t hesitate to reach out in the future with any concerns!

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, 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!