Community Career Training Institute

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.

Mr. [redacted]-Thanks again for taking the time to speak with me.  As discussed, I apologize for any confusion you experienced in the application process.  We received your application through Lending Tree, which was authorized by your wife.  Please reach out if I can be of any further...

assistance!

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 Mr. [redacted],Thank you for sharing your concerns and allowing me to respond!  Based on our records we received an application from you on 8/9/2015 through our online affiliate Credit Karma.  Please note that as a result of your application your credit rating was not...

impacted as we only facilitated a “soft pull”.  If you do not recall this application or wish to discuss further, please contact me directly with the information I left on your voicemail! Thank you!

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!

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 ONLY if mailings AND phone calls stop!
Regards,

Dear [redacted], Thank you for taking the time to share your concerns and allowing me to respond!  I apologize that you are having issues making your monthly payment.  As you discussed with our servicer SST, you can make a one-time payment online at accountinfo.com, over the phone with...

no fee with one of our customer service representatives or mail a payment to our payment address ([redacted]).  You can make a one-time payment using your debit card, checking account, Western Union or Money Gram.  Please feel free to contact us at [redacted] to assist with setting up your payments.  Thank you!

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.

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.
[redacted]  Best Egg needs to remove their inquiry from my grandmother's credit report. They are clearly not going to give her the loan. I will have our lawyer contact them directly.
Regards,
[redacted]

Mr. [redacted]-Thanks again for taking the time to share your concerns and speak with me.  As discussed, each credit decision is based upon the information we obtain through the application.  If multiple applications are submitted with different information, the outcomes are likely to...

change as well.  I am glad you were able to secure a favorable loan and I look forward to serving your financial needs in the future.  Thanks!

Mrs. [redacted]Let me begin by offering our condolences for your loss and apologizing for the service experience you received.  We are reviewing the phone call and will take the appropriate action.  I have confirmed we processed the payment refund and removed this loan from automatic payments...

at your request.  No further payments will be drafted.  If you have any questions or if we can be of any further assistance, please don't hesitate to reach out.

Dear [redacted], Thank you for taking the time to reach out and allowing me to respond to your concerns!  First, I would like to thank you for applying for a Best Egg loan.  I apologize that we were unable to make you an offer at this time.  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.   Please rest assured that your credit rating has not been impacted as a result of your application as we only facilitated a “soft pull”.  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 would be more than happy to discuss your individual application with you at your earliest convenience, please feel free to contact me directly with the information I left on your voicemail.  Thank you!

Mr. [redacted]- We regret you are dissatisfied with our resolution.  As discussed, we were unable to verify the authenticity of the documents you provided to validate the information in your application.  Upon final loan review, a number of inconsistencies were identified and flagged.  We discussed these in detail with you.  We are unable to accommodate a detailed investigation with your employer.  The loan was ultimately declined and given the loan application date in early January, we are well outside of the time frame to give any further consideration to this matter.

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.
While I appreciate their timely response and their polite manner throughout the conversation, all they said was essentially "We're sorry you're sad." and that they would not use my personal information.  They will continue to market in the same semi-fraudulent way by making outlandish claims regarding pre-approval, and low interest loans, and paying off high interest credit cards; yet a large number of these cases the person is never offered a loan and the vast majority of the time an offer is actually made, it's for well over most credit card interest rates. Like most of the other complaints listed on the Revdex.com website, it isn't just that we got an offer in the mail.  I got offers on a weekly to bi-weekly basis for months and months.  Like most of the other people, we finally just gave in and capitulated.  I figured they'd just offer me a high interest 20% loan and I'd refuse, but at least I wouldn't get the mailings anymore.  But to then not even get a 36% loan offer?  A guy making over 100k/year can't get a $1500 36% interest rate loan despite being "pre-approved"?  When I inquired, I was essentially told that everyone is "pre-approved".  That means "pre-approved" doesn't actually mean anything.  And why couldn't a guy with my income get even a garbage high interest loan offer?  There was a  $180 phone bill listed as 'late' on my credit report.  If they determine I am pre-approved based on something they get from the credit reporting agencies, then why even bother sending me a letter twice a month telling me I'm pre-approved for a loan?
Regards,

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 rate. Unfortunately, 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 rate. However, 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!  Thank you for confirming that you received the refund check in the amount previously discussed.  I apologize that the processing time took longer than anticipated.  As discussed, I will give you call again tomorrow to discuss the specifics.  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 will receive a credit balance refund within 3-5 business days.  Again, I apologize that the experience was not handled to your liking and can assure you that...

the agents involved will be addressed appropriately.  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, you have been added to our “do
not solicit” file and will not receive any further calls.  I have also
cancelled your application per your request, you will receive...

a letter
confirming the cancellation.  I apologize for any inconvenience this may
have caused.  Please feel free to contact me directly with any additional
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, we received an application through our online marketing affiliate, Credit Karma in your name on August 2, 2016.  Thank you for confirming your information and that...

there were no identity theft concerns.  Please rest assured that there was no impact to your credit rating as we only facilitated a soft pull.  Please feel free to contact me directly if you have any additional questions or concerns.  Thank you!

Dear [redacted],Thank you for taking the time to speak to me!  As discussed,
you were added to our “do not solicit” file on 9/23/2015 per your request
received by [redacted]. As he stated in his email response to you, there is
potential that you could receive additional mail pieces as a...

result of our mail
being initiated at our print vendor prior to receiving your request. You will
not receive any additional mail pieces from any future
campaign.    I apologize for any inconvenience this has
caused.  Please feel free to contact me directly with any additional
questions or concerns.  Thank you!