Direct Business Lending

On 10/23/14, MrH*** signed a Sales Order with Direct Business Lending for a Lender Prep Package Services were to include: Preparation of Articles of Incorporation, Business Plan, Website, Business Credit coaching and preparation of disputes letters to be sent in by client to
the major credit bureaus to resolve any personal credit discrepanciesas well as lender matchingWe have provided Articles of Incorporation, extensive website setup, business plan, business credit coaching and personal credit dispute letters.During the course of the year, Lending has talked with client discussing the different options for lenders The client was approached with the suggestion of a K collateral business loan The clients did not want to accept that offer They were submitted to another lender Other lending programs have been discussed with the clients and they felt that they were not in their best interest at this time On July 22, 2015, client relations did speak with MrH*** and he requested additional information on different options for lending.Direct Business Lending would like the opportunity to continue working with the clients to find a satisfactory lending program that would help their business grow Our services are good for the life of the business, not just while they are under contract with us.If further information is needed, please contact us We will answer any questions you may have in a timely manner

Complaint: ***
I am rejecting this response because: I do not feel that DBL is capable of finding us a loan The only two options they have given us so far for lending involves us ADDING to our current debt load by taking out an additional loan to pay down debt ( but not paying anything off)We cannot add any more debt to our budgetWe came to them with this amount of debt, having already invested the money into our business, asking them if we could help us by securing a loan to pay the debt off At that time, our sales person, Kurt, said it would not be a problem to get us funding for " working capital" The last communication we have had with DBL is on July rd, in which I spoke with Richard ( not MrH*** as was noted in their response) At that time Richard said he was going to check with lending to see what other options there wereI have never heard back from anyoneI left a voice message with Jack on 7/ This is really unacceptableI do not believe that DBL is working to get us fundingI believe that they have no options for us but are leading us on in this endless cycle We are paying $for nothingI want to end the relationship and pay nothing more to them.
Sincerely,
Maribeth H***

As stated more fully below, Direct Business Lending, LLC ("DBL") shall cancel *** ***'s ("Mr***'s) acccount if he pays the $*** cancellation fee for which he has contracted
On or about January 4, 2016, Mr*** electronically signed DBL's Lender Preparation Package
Agreement ("agreement"):
a In consideration of Mr***'s downpayment of $***, and monthly payments of $***, for a total amount of $3,500.00, we promised to provide Mr*** the following products: Business Plan, Website Creation, Business and Personal Credit Enhancement, Entity Establishment, and Lender Matching b Mr*** agreed to pay a cancellation fee of $to $1,to cancel the agreementc) We never guaranteed Mr*** financing of any kind d)Mr*** certified that he understood the terms and conditions of the agreement
To date we have fulfilled our contractual obligations to Mr***:
a On or about February 8, 216, we delivered Mr*** his business plan b On or about January 6, 216, we delivered Mr*** his website c) On or about January 20, 216, we delivered Mr*** his business articles or organization d) On or about January 6, 2016, we delivered Mr*** his first round of personal credit enhancement letters From January 6, 2016, through March 8, 2016, we made our best and reasonable efforts to work with Mr*** on personal credit enhancement until he swore at DBL employees, cancelled his credit monitoring services, and refused to receive our calls e From on or about January 4, 2106, we have tried to work with Mr*** to complete his business credit enhancement but have been unable to do so because he has never registered his business f) On or about April 20, 2016, we offered Mr*** lender matching and he refused to take the necessary steps for us to place him before lenders
To date Mr*** has breached his agreement because we have fulfilled the agreement, he has refused to take the necessary steps to complete his personal credit enhancement, business credit enhancement, and lender matching
This is the first notice we have received that Mr*** seeks to cancel his contract
If Mr*** seeks to cancel his account, he must pay the cancellation fee of $*** because we have fulfilled our contractual obligations to him
Enclosed are copies of Mr***s's Lender Preparation Package Agreement, Mr***'s File Detail Notes, Mr***'s File Website Notes, Mr***'s File Personal Credit Enhancement Notes, Mr***'s File Business Entity Notes, and Mr***'s Business Plan File Notes
Thank you

Thank you for bringing this matter to our attentionWe strive to provide an outstanding experience to each and everyone of our ClientsIf we failed to do so initially our goal is to rectify the situation immediately.We have been aware of the Clients frustrations and have made every attempt to
rectify the situation Attached is a copy of the initial signed contract that states if the Client wishes to cancel there would be an early cancellation fee that ranges from $up to $1,depending on services rendered.For the client we have completed: Several rounds of letters to resolve inaccuracies on the Clients personal Credit There have been recent letters sent to the client regarding his personal credit We have conducted numerous consultations regarding personal credit, corporation and ein verification, completion of a bank ready business plan, and completion of business credit consultation, For convenience we have included the initial contract stating the cancellation policy.We wish to either part ways amicably but very much would prefer to continue to work with the client to obtain the ultimate goal of funding.We hope to get a quick response as to which way the Client wishes to proceed.As always if you have any questions please ask

Complaint: ***
To Whom it may concern, I Do not agree in paying an additional $to cancel my accountOn 1/2/I spoke with Jason in regards to the programAt that time he stated that depending on my credit score it should not take any long than days to receive fundingHe also stated that I could deffer the payments for the program until after I receive fundingI decided that I would give the company at tryHe did not state that there was a cancellation fee if at any point in time I show chose to cancelOn 1/5/I spoke with Holly C*** who was my account repShe advise me that she needed additional information I provided a P&L statement, information for a business plan and information in order to obtain my credit informationHolly also set up an appointment with Gillian J for 1/8/15, I spoke with Gillian Jin regards to filing Entity paperworkI told her at that time I did not have the funds to file , but based on what my accountant told me he sid that I should file as an corpGillian stated that I should listen to what he stated since she was not a CPAShe also stated that I don't need to file now, however I do need to file when my application is ready to go to fundingOn Jan 12th I received the business plan from a Rein BI made correction to the plan at sent it back to ***@directbusinesslending.comI also, on 1/12/emailed Holly C*** the log in information and password to MY Score so she may pull my most recent credit reportOn 1/14/and 1/16/I sent to follow up emails, and two phone calls, since I have not heard from HollyOn 1/19/15: After not hearing from Holly or receiving a return call, I called the main number for direct business lending and spoke with Samyan HAt that time Holly had left the the CompanyI asked her who was my new account repShe stated that she would find out and have them call meIn the mean time she would find the documents that I have sent in and upload them to my accountShe also set an aptto speak with someone in regards to my personal creditOn 1/21/I spoke with Tara Vin regards to my personal credit.; At the end of the call she stated that she will have the letters to send to the credit companies to me with in to hours if not fasterOn 1/23/I sent a follow up email to Tara in regards to the letters because I still had not received them in the time frame that I was toldOn 1/29/15; days later, I called Jason the Underwriter very angry because I had no rep, no letters and none of the promises that he told me where up held by the companyJason stated that he would have a Manager contact meMy account fell into limboLater that day a Phillip C*** contact me and stated that an my account rep would call me with in hoursLater that same day I received a call from Katara N***Katara and I spoke and brought all information up to dateShe apologized for no one contacting me soonerShe stated that she did not see that the letters where not done yet but she will have them sent out right as soon as they areLater that evening I finally received the lettersKatara asked me if I had a chance to file for my tax idOnce again I told her noShe stated that I do need to file when my application is ready to go to funding, but right now it is fineOn 1/29/I stated to Katara that I need to deffer my paymentShe stated that she will have someone from finance contact meNO ONE CONTACTED MEOn 2/3/I sent an email to Katara because I was absolutely furious, NO ONE CONTACTED ME in regards to my payment and my account was not handle they way I was told it was going to be handle in a timely manner. She stated that she would set up an apt with Phillip C*** on 2/4/to talk to me. On 2/4/Phillip C***missed out aptI let messages that day to get a hold of himOn 2/5/Phillip C*** got a hold of meHe spoke to and asked to please let him and his team try to get me fundingI agreed at that time not to cancel the accountOn 2/9/Kartara set up an apt to speak with someone in regards to my personal creditAt the end of the call I asked her what do I do nextShe stated that she will hand the information over to Kartara and have her call meOn 2/25/I sent an email to Katara asking her what is the status of my account and if she needed anything from meI also CC Phillip C*** on the email to Kartara but it was return undeliverable. By the end of the day, I did not her from her so I called Direct Business Lending main line again to get a hold of herShe stated that she is no longer my account rep and that she was transferred to a different deptShe stated that the company is doing a restructureShe looked up my account and saw that she did not have my credit reportI mentioned to her that I received a copy of my credit report from the Credit companiesShe requested that I send a copy to her which I sent to ***@directbussinesslending.comI asked her also in regards to deferring my paymentI diclosd to her that my common law husband was just released from ICU and that he is going to need PT and rehabilitation. She stated that she will have Brandon M*** call me in regards to the paymentsKartara stated that my new account rep was Angelica Vand that she would tell her to call meAngelica VNEVER CONTACTED ME NOR CALLED MEOn 3/6/I called and left a voice mail message on the main numberOn 3/25/I called a second time and left a message on the main numberI did not receive a phone call backI went to Facebook and left a post on the Facebook page on how Direct Business Lending dose not call people back and let accounts slip through the cracks like I did twice. On April 16th I received an email FINALLY from Angelica Vstating that NO ONE told her to call meAngelica also stated that she did not see the credit reports that I sent to ***@directbusiness lending.com on 2/25/I sent an email to ***@directbusinesslending.com on 5/13/"I don't know who this will go to but please forward to Angelica. I have
called the office after 5pm est and all I get is voice mail. You can
reach me via email during the day or call me after est" that is pm Direct business Lending Time. I did not receive a call backIf other people called they did not state they they where taking her placeThe demanded informationNO ONE TOLD ME WHAT WAS GOING ONI am so angry and over Direct Business Lending for their lack of commutationA phone call stating " Hi I am so and so for Direct Business Lending and I would like to speak with about you account" I might be a little more responsiveness then a rep calling and start demanding information I did not even receive a corrected business plan until sometime in MayI have gone through account repsThe only one that apologize to me was Angelica and she is not even there any moreI will pay one more payment of $in the month of July. I want my account cancledI tried to contact them number of times, follow up with them number of time and did not receive a phone call or an email backAt this time I do not know who has my information, where my information is and what is being done with it
Sincerely,
Laura J***

Complaint: [redacted]
I am rejecting this response because:We do not wish for our account to be transferred to any other department.  Do to the lack of communication from the company from September to December we feel that Direct Business Lending does not have our best interest at heart.At this point all we would like from Direct Business Lending is the refund of our initial payment which is $349.00.  If this is not acceptable then we will take action against them in a different direction.
Sincerely,
[redacted]

Thank you for bringing this matter to our attention, Direct Business Lending strives to provide an outstandingexperience to each and every client and if we miss that goal initially, we strive to rectify the consumer's experience immediately. We do not operate with high pressure sales tactics...

and certainly do have contracts supporting all of our practices. Those will be supplied in order to support our statement if necessary.This Client signed a Sales Contract on April 30, 2015 that allows us to begin working on their behalf. To address the specific issues noted, our records indicate that we received the initial business plan surveyfrom Ms. [redacted] on June 23, 2015.  A business plan was prepared and sent to Ms. [redacted] on July 7, 2015 by email.  Within our Client Services departments, there are sub-departments which each provide specialized servicesand consultations.  We have a personal credit area, a business credit area, a web designer, a businessplan writer, and an account executive. Frequently, our account executive assigned to a client, willtalk with clients on a personal level giving them additional suggestions for funding, while theirfile is being prepared for a lender.  We do refer people to Crowd Funding, suggest theycheck with their State to seeif there is abandoned property that may be in their name.  This is not by any means to be confusedwith services being charged for in the Lender Prep Package rather than just personal suggestions.Client was submitted to lending but did not qualify for the total amount requested by our client.  We are continuingto match our client with other lenders, but need information from the client updated to do so.On November 17, 2015, a supervisor from Client Services did attempt to reach Ms [redacted].  She was not availableand a voice mail message was left.  On November 19, 2015, an email was sent to the client requestinga time convenient to call to discuss issues.Direct Business Lending would like to continue to provide services contracted for and will continueto try to reach out to client for additional services as provided in the Lender Prep Package purchased.As always, if additional questions need to be answered, please feel free to contact us.

Thank you for bringing this matter to our attention. Direct Business Lending strives to provide outstanding service to each and every client. If we miss that goal we strive to rectify the situation immediately. On September 29, 2015, we contacted the client to further discuss the progress...

of his file and an appointment wasset for a team leader to call the client back.  Jennifer was out of the office on the day to follow up.  Our team leader did phone the client, apologized and let him know the reason for the missed call.  On October 7, 2015, our team leader called Mr. [redacted] again, but was informed that he was currentlyat work and would need to call back.  We contacted the client again on October 9, 2015 to go over the file and todiscuss the benefits of completing the website survey and business plan survey so we could customize themto his specific business.  He agreed to set an appointment for October 12, 2015.  On October 12, 2015, wephoned the client, and started going through the surveys, and the call was dropped either from the client'scell phone battery going dead or bad reception area.  We did attempt to call the client back but there wasno answer.  We did leave the client a message to call back.  On October 15, 2015, we tried to call theclient again and was unable to get through to him so another message was left.In an attempt to resolve this complaint we reached out to the client and offered to move his file forward and to set the appointment for one hour so that we can process the surveys on the client's behalf.  We definitely want this client to succeed.  Please note:1. Our company is not a lender.2. We provide services to help a client receivefunding when they are otherwise not qualified.3. Our time frames vary depending upon thecomplexity of the file.4. Our average file takes 30-45 days.

I have excepted the offer to be released from my contract. I have emailed back to them. I would like to take the complaint back at this point.
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.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:I have at a contact from Geri. She said Trevor would call at 6 pm. At 620 no call. I called and told them to which they emailed back he had a death and a Bridget was to call. They just presume you ate going to be available. They new where I lived and never before said the 2 hour difference would be a problem. Heather was who I talked to at the beginning, on speaker so my husband and daughter could hear. Heather said I fit the criteria perfect. Also said it would be easy to get. Now I read was they sent you which counterdicks what they told me. Also I have a saved voicemail from Geri today and she said she just saw my started business plan and it did have quite a few mistakes that she would work on. I have no trust or faith in this company. I made  my own and will try this myself. I don't have time alto waste on them
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:I have not received any cancellation packets.No services have been provided.I would like to know the team of professionals that were working my claim and what exactly they did. I would like by name and role.I have not been contacted multiple times. Matter of fact, the last time a supervisor was supposed to reach out to me, I was called and hung up on immediately. This company does not provide names and utilizes a scheming method of random hires to call at random times to pester their "clients."Who in this company is qualified to provide any sort of process?I reject this company and its response.
Sincerely,
[redacted]

As stated more fully below, Direct Business Lending, LLC ("DBL"), respectfully refuses to refund any fees to [redacted] ("Ms. [redacted]"):1.  Under her Funding Assessment and Lender Preparation Package Agreements, Ms. [redacted] has promised to pay DBL in the amount of $3,500.00, costs and fees associated...

with collection, and interest at the rate of 18.99% per annum, until paid in full, for the Funding Assessment and Lender Preparation Packages, which consist of six products:  Bankable Business Plan, Business Entity Formation, Business Credit Enhancement, Business Website, Personal Credit Enhancement, Lender Matching. 2.  In the event of cancellation, Ms. [redacted] agreed to pay DBL a contracted for fee of $1,495.00.3.  DBL declared that it did not guarantee Ms. [redacted] any type, kind, or amount of financing and DBL did not guarantee Ms. [redacted] any time frame for financing.4.  Ms. [redacted] certified that she understood these terms and conditions when she electronically signed the contracts.5.  To date, Ms. [redacted] has received every product that she has purchased except Lender Matching.  The total value of these products is $2,916.67 ($3,500.00/6 x 5).  The only reason that Ms. [redacted] has not received Lender Matching is because she has not completed the other products.6.  To date Ms. [redacted] has paid DBL less than $2,000.00 for the products she has received.  7.  Now comes Ms. [redacted] and falsely alleges that we have guaranteed her financing in a time frame and falsely alleges that she has received no value.8.  Therefore, DBL respectfully refuses to refund any fees to Ms. [redacted].  DBL respectfully demands that Ms. [redacted] pay the contracted for cancellation fee of $1,495.00.  Alternatively, DBL respectfully offers Ms. [redacted] the opportunity to continue the Lender Preparation Package Program.  If Ms. [redacted] refuses to accept this offer, DBL respectfully requests to arbitrate the matter.9.  Thank you.10.  Attached, adopted, and incorporated by reference are copies of the following documents:a.  Ms. [redacted]'s Funding Assessment Agreement.b.  Ms. [redacted]'s Lender Preparation Package Agreement.c.  Ms. [redacted]'s File Client Services Page.

We contacted client to let her know as a gesture of good will we would cancel her file for the amount she proposed. We emailed Ms. J[redacted] a settlement agreement.  When the agreement is returned and the early cancellation fee paid her account will be cancelled.

As stated more fully below, Direct Business Lending, LLC ("DBL"), respectfully denies every allegation that [redacted] ("Ms. [redacted]") has made against it, DBL respectfully refuses to refund any fees to Ms. [redacted], and DBL asserts that Ms. [redacted] is liable to it in the amount of $3,500.00, costs...

and fees associated with collection, and interest at the rate of 18.99% per annum:1.  To date Ms. [redacted] has paid DBL a total amount of $903.23 for our Lender Preparation Package.2.  On or about May 26, 2016, Ms. [redacted] a complaint with the Consumer Financial Protection Bureau after she had previously accepted a settlement agreement and promised not to file any new complaints against DBL with any agencies.3.  On or about June 6, 2016, by docusign, Ms. [redacted] signed a new settlement with agreement with DBL:a.  Paragraph Two of the agreement required Ms. [redacted] to take the following actions:i.  To dismiss all actions against DBL.ii.  To retract previous disparaging statements against DBLiii.  To take no other actions DBLiv. To publish that, "All matters between the parties have been fully settled and resolved to their mutual satisfaction."v.  To e-mail copies of the dismissals, retractions, and publications that she made as proof to [redacted].b.  Paragraph Three of the Agreement declared that, "Within 14 days of receipt of proof that Client has complied with the conditions of Paragraph Number Two of this agreement with respect Client's complaint with the Consumer Protection Bureau, Company shall take the following actions:  a)Company shall waive Client's cancellation fee of $1,495.00.  b)   Company shall send Client a refund check in the amount of $250.00 by ordinary US Mail.c.  Paragraph Nine of the Agreement declares that, "If Client and Company do not fully comply with every term of this agreement... (t)hey shall pay liquidated damages in the amount of $3,500.00, plus costs and fees associated with collection, with interest at the rate of 18.99% per annum, until paid in full.4.  From on or about June 7 to June 9, 2016, even before she had delivered proof of the retractions, dismissals, and publications to DBL, Ms. [redacted] demanded DBL to sendher the $250.00 settlement check by overnight mail.5.  From June 7 to June 9, 2016, Under Paragraph Two of the Agreement, DBL explained that Ms. [redacted] must DBL told Ms. [redacted] that she must  e-mail copies of the dismissals, retractions, and publications that she made as proof to [redacted].  Further, under Paragraph Three of the Agreement, DBL reminded Ms. [redacted] that the agreement gave DBL up to 14 days from when it received the proof to mail the refund check of $250.00.6.  During that period, by e-mail, Ms. [redacted] made the following statements to DBL:a.  The agreement did not give DBL 14 days to send the check.b.  The Consumer Protection Bureau did not allow her to publish that, "All matters between the parties have been resolved to their mutual satisfaction.c.  She kept another copy of the settlement agreement that she had signed and sent to DBL that did not contain the proof of retraction and 14 day provisions.7.  In an effort to accommodate Ms. [redacted], DBL offered to allow her to send DBL a sworn affidavit declaring that she had complied with the dismissal, retraction, and publication requirements of the agreement.8.  Instead, Ms. [redacted] took the following actions:a.  Ms. [redacted] refused to sign and send a sworn affidavit.b.  Ms. [redacted] sent a copy of opened and closed cases with the Consumer Financial Protection Bureau that do not reference DBL.c.  Ms. [redacted] admitted that she opened a new complaint against DBL with the Consumer Financial Protection Bureau.d.  Ms. [redacted] continued to demand that DBL deliver the check by overnight mail.9.  DBL told Ms. [redacted] that until she complied with Paragraph Two of the agreement, by actual copies of her retraction or the sworn affidavit, it would not send Ms. [redacted] the check, that Ms. [redacted] engaged in fraud by keeping a different copy of the agreement from the one she sent DBL,  that Ms. [redacted] had breached the agreement for not sending proof of the retractions, opening the new complaint with the Consumer Financial Protection Bureau, and demanding the check by overnight mail, and was liable to DBL for the amount of $3,500.00, costs and fees associated with collection, and interest at the rate of 18.99% per annum.10.  Now comes Ms. [redacted] and files this complaint with the Revdex.com of Utah.11.  Ms. [redacted] has breached the Agreement between the parties because, within 48 hours of signing the Agreement, she has not sent proof of her dismissals, retractions, and publications as required by the Agreement, she has demanded immediate payment by overnight mail when the Agreement permits DBL 14 days to send the payment by ordinary US mail, she has filed a new complaint with the Consumer Financial Protection Bureau, and she has filed this complaint with the Revdex.com of Utah.12.  Ms. [redacted] has committed the torts of misrepresentation and fraud because she has kept a different copy of the agreement that she signed and sent to DBL.13.  Ms. [redacted] has engaged in extortion because she is relying on her breach, misrepresentation, and fraud to demand a refund for more money than she has paid DBL.14.  For each of the foregoing reasons, DBL respectfully denies every allegation that Ms. [redacted] has made against it, DBL respectfully refuses to refund any fees to Ms. [redacted], and DBL asserts that Ms. [redacted] is liable to it in the amount of $3,500.00, costs and fees associated with collection, and interest at the rate of 18.99% per annum.15.  Enclosed is a copy of the settlement agreement that Ms. [redacted] signed.Respectfully yours,Direct Business Lending, LLC, Jonathan *. F[redacted], its Legal AdministratorEnc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and All matters between the parties have been fully settled and resolved to their mutual satisfaction.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I got their e-mail after you sent me the Revdex.com message . I found that they were saying they tried to contact me , the e-mails they sent were to my sons e-mail and not to mine . I do not know how they got his . I could not respond to that when I did not have it . My son later forwarded them to me.I would have been willing to try and work with them to get funding , it has been so long that I can not wait any more . If they wanted to work with me and get what they said to begin with , why did they not do anything until I sent the Revdex.com a note about the way they neglected their promise to me , which was to get me funding for a business ?
Sincerely,
[redacted]

Thank you for bringing this matter to our attention. Direct Business Lending strives to provide outstanding service to each and every client. If we miss that goal we strive to rectify the situation immediately.On November 3, 2015, our Escalation Manager contacted the client to address...

concerns of the client.The contents of the business plan was discussed.  Client was asked to provide requested changes byemail so our business plan writer could review and incorporate the requested changes.  Typically, revisionsare processed a number of times before the business plan is considered "final".  The businessplan will be changed and revised after the client requested revisions are received by email.It was also explained to the client that Direct Business Lending usually waits for approximately 35-40days before processing an updated credit report.  The new password log ins have been received andnew reports were processed.  We are moving forward on the client file.  Our business credit consultant worked with Mr. [redacted] withouta scheduled appointment and consulted with the  client regarding how to establish business credit.Direct Business Lending appreciates the opportunity to work with Mr. [redacted] and wants to bea part of his success.  We are continuing to move the file forward and providing services contracted for.

I did sign some documents. One of the reps told me that he would hate for me to lose out on an opportunity to receive a big loan because I was canceling because of the $350 I had to cough up. The rep is the one that told me to get another loan so that I could pay for the down payment. H emade it sound as if my loan was a sure thing.I had no idea that I was going to be paying my fees before I received any funding. I WANT FULL REFUND.I was down right misled and lied to.

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.
Sincerely,
[redacted]

In the interests of Customer service, we agree to close the Client's complaint with no further charges.