Community Career Training Institute

Dear [redacted] Thank you for taking the time to reach out and allowing me to respond to your concerns!   According to our records, you were sent a refund check in the amount of the Origination Fee on 6/26/2017 in the amount of $772.16.  Your account has been updated to reflect the...

rescission.  I have tried to contact you verbally to discuss with no success, please feel free to contact us directly with any additional questions or concerns.  I apologize for any inconvenience this may have caused.  Thank you!

Dear [redacted], Thank you for taking the time to speak to me and allowing me to respond to your concerns.  As discussed, you applied for a Best Egg loan with one of our origination agents on 4/2/2016.  Please rest assured that there was no impact to your credit rating as a result of your...

application as we only facilitated a soft credit inquiry.  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.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 closely. Send 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!

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 3/2/2016 in the amount of $271.41, the payoff amount you initiated on 3/3/2016 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 3/11/2016 who set up the correct payoff amount based on the amount that was owed on 3/3/2016 in the amount of $5,987.04.  All interest accrued from 3/3/2016 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!

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. 
A supervisor from Marlette Funding who funded the loan granted to me and serviced by Best Egg called me recently.  An apology was made by the supervisor that in fact it was Best Egg's error to automatically deduct the entire monthly amount of $896.27 from my checking account for the December payment, and further agreed that I never authorized such withdrawal.  To make things right, I did receive a full refund of the $896.27 promptly thereafter.  In additiion, due to the error, I received a letter directed to my bank that the NSF checks incurred were not my fault.  Also, as an apology, the supervisor at Marlette Funding sent me a $100 VISA gift card.  I am very pleased with the results, and was assured that this would not happen again.   I thank the Revdex.com and Marlette Funding on behalf of Best Egg for all of your assistance.  This Complaint is now resolved. Regards, 
[redacted]

Dear [redacted], Thank you for taking the time to share your concerns and allowing me to respond!  Based on our records you applied for a loan in the amount of $20,000 on 3/29/2016.  Unfortunately, we were unable to offer you the loan amount that you requested but we were able to...

present you with alternative offers.  The adverse action letter you referred to in your complaint was not a decline letter but a letter explaining the reasoning for our decision as to why we were unable to offer you the full loan amount you requested of $20,000 at the time of your application.  I can assure you that we are not running your credit without your consent and that as a result of your application your credit rating was not impacted as we only facilitated a soft credit inquiry.  I apologize that you had a less than stellar customer experience.  I would be more than happy to discuss your individual application at your earliest convenience, my contact information is located on your voicemail.  Thank you!

Dear Customer-Thank you for sharing your feedback.  I sincerely apologize for an inconvenience we may have caused.  As stated in the voicemail I left, it is our policy to remove applicants from our calling list upon request.  I have added you to our "do not call" list and can assure...

you there will be no calls going forward.  Please reach out if I can be of any further assistance.

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 employment. Lastly, 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.

Mr. [redacted] Thank you for sharing your concerns.  We did receive the documentation you provided, however, we were unable to verify we were speaking with the correct applicant.  Due to this, the applicant could not move forward in the process.  I have attempted to contact...

you several times without success.  Please reach out directly if you have any questions or would like to discuss this further.

Mr. [redacted]-Thank you for taking the time to speak with me.  As discussed, I have added you to our "do not solicit" file.  It is our policy to accommodate these requests immediately.  Again I apologize for the inconvenience we caused you and I appreciate your understanding.

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 experience. I appreciate you taking the time to let us know your concerns. Welcome to Best Egg, and please don’t hesitate to reach out in the...

future with any concerns!

Dear [redacted], Thank you for taking the time to speak to me and allowing me to respond to your concerns!  I sincerely apologize that you had a less than stellar customer experience.  As discussed, you will be reimbursed for the $35.  You will receive that reimbursement in the...

form of a check.  Please rest assured that Best Egg takes customer satisfaction very seriously and that we will make sure all individuals involved are addressed appropriately.  Thank you again for speaking to me, please feel free to contact me directly if you have any additional questions or concerns.

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!

Thank you for taking the time to reach out to us. We can confirm we have researched your concerns. An email containing our response was sent to the email on file today.

Dear [redacted], Thank you for taking the time to speak to me and allowing me to respond to your concerns!  As discussed, your refund payment was mailed on 3/14/2016 within the 30 day policy.  I can assure you that we will be pulling the calls and researching the expedite process that...

was communicated to you.  I apologize for any inconvenience that this has caused.  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 find that this resolution is satisfactory to me. 
Regards,
[redacted]

Dear [redacted],Thank you for taking the time to reach out and allowing me to respond!  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.  Please feel free to reach out if you have any additional questions or concerns. Thank you!

Dear Mrs. [redacted] Thank you for sharing your concerns.  We are continually enhancing our website to include more up to date information on application status'.  The loan in question has reached a funded status.  As a policy, we are not permitted to release application...

information unless we receive prior approval from the applicant (I agree the information you were seeking was not private).  I apologize for any inconvenience/frustration we may have caused.  If you have any further questions, please don't hesitate to reach out.

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!

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 with. This was not verbally given until the 2nd rep said that the soft pull will lead to a hard pull. I was also told that the first 2 reps should not have advised that my 2016 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 2016 showing current Net would suffice.. It was clearly stated by myself to both reps that I had "Not" filed my 2016 taxes, therefore a schedule C would not be possible. I still insist further investigation leading to the hard pull do to misleading and false intent to state that I was in the fault. These conversations were recorded for these purposes. Best 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 reps. I spoke to a supervisor yesterday who stated that these employed reps assumed that PnL was 2016 Schedule C. How is this possible when I clearly stated that 2016 had not been filed. The first rep even said that most self employed don't file at the beginning of the year that the PnL income should be fine. My dispute is still holding to misleading info resulting in the pull.