Direct Business Lending

Thank you for bringing this matter to our attention. We strive to provide an outstanding experience to each and everyone of our Clients. If 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 $495 up to $1,495 depending on services rendered.  It also does not state that any outside agency fees will be covered in the price of the Lender Prep PackageFor convenience we have included the initial contract stating the cancellation policy.  We also including the Cash Settlement Agreement which has been emailed to the ciient.We have discussed the issues with our client and have offered to cancel his contract with Direct Business Lending; not only at a $0.00 fee but have offered a refund of $329.00 even though it is outside the 3 day right to rescind.  The client signed and paid the contract down payment of $329.00 on July 24, 2015 and the 3 day right to rescind expired on July 29, 2015.  We have received a forwarded email from the client dated July 30, 2015.We wish to either part ways amicably.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.

Thank you for bringing this matter to our attention, Direct Business Lending strives toprovide an outstanding experience to each and every client and if we miss thatgoal initially, we strive to rectify the consumer's experience immediately.  We have researched and reviewed the client'sfile...

and have come to learn several things:1.  Ms. K[redacted] signed our service agreement on     March 24, 2015 and made her down payment of $329.00.2.  On March 25, 2015, we phoned Ms. K[redacted] for her initial appointment.  She at that     time, requested to reschedule the appointment for the next day, March 26,2015.3.  On March 26, 2015, we attempted 4 times to call client for her scheduled appointment and were unable to make contact.  We left voice mails, and sent out     introductory e-mails for her review.4.  In May, 2015, Ms. K[redacted]'  monthly payments started declining.  We reached out to our  client for resolution, and were unable to     contact her directly.  5.  In June, 2015, the monthly payment once again declined.  We spoke to our client and she     expressed her desire to cancel services.  She also advised that she was unemployed and had no source of income.    We tried several times to reach Ms. K[redacted]     and left a voice mail regarding her cancellation.  We never received a response to our voice mails.6.  Per the service agreement that she signed, a cancellation fee is required to cancel the contract; however, in a gesture of     goodwill, we will waive the cancellation fee and terminate the contract     effective the date that the settlement agreement is returned.  (See attached).As always, please do not hesitate to contact us with any questions you may have regarding this file.

On 10/04/2013, Mr. W[redacted] signed a Sales Agreement contract with Direct Business Lender.  This was for a Lender Preparation Package wherein Direct Business Lending performed services for the client to assist in getting them funded for their business.  The services that we offer are:...

 A bank ready business plan, website, preparation of articles of incorporation, business credit consultation and establishment, and preparation of dispute letters and consultation to assist client in disputing inaccuracies reporting on their personal credit report and once their file is ready we submit the file to our lending department.  Each client case is reviewed on a case by case basis.  Direct Business Lending completed the Bank Ready Business Plan, Articles of Incorporation, business credit review and coaching, and prepared several rounds personal credit dispute letters.  Direct Business Lending does not guarantee funding of a certain amount or a certain time frame.  We do, however,  provide services to assist the client to get their business ready for our lending department to present to a lender.  Our lending department reviewed his file several times but the client file was not ready for submission due to certain criteria required from lenders.In November, 2014, this client was referred to our collection agency as the monthly payments were no longer be made in accordance with his contract.  Direct Business Lending continued to assist this client up to and including April 22, 2015, at which time our lending department did a proactive review of the client file.  Due to discrepancies still showing, they were unable to submit to a lender.  Direct Business Lending continued to work on the client file for 5 months after the account was sent to collections and their monthly contract payments stopped.. As always, if there are any additional questions, or if we can provide further information, please contact us.Respectfully,Direct Business Lending

Direct Business Lending, LLC ("DBL") has reached out to the Customer without success to settle the complaint.  On or about April 15, 2016, the Customer electronically signed the Funding Assessment and Lender Preparation Package Agreements with DBL.  Under the agreements, the Customer...

promised to pay DBL $3,500.00 for the Lender Preparation Package consisting of Bankable Business Plan, Business Website, Business Entity Formation, Business Credit Enhancement, Personal Credit Enhancement, and Lender Matching business consulting products.  As consideration, DBL promised to deliver the products electronically.  DBL declared that it did not guarantee the Customer any type, kind, or amount of financing.  The Customer agreed to pay a cancellation fee of $495.00 to $1,495.00 with DBL.  When the Customer signed the agreements he certified that he understood the terms and conditions of the agreement.To date, approximately two months after signing the contract, DBL has delivered all the business consulting products for which the Customer has contracted except Lender Matching.  DBL has not delivered Lender Matching only because the Customer has not completed the other products..  To date, the Customer has paid DBL a total amount of $661.00.  Now comes the Customer and refuses to work on his Lender Preparation Package with DBL, falsely represents the amount of money that he has paid DBL, falsely represents that DBL guaranteed him financing, demands a waiver of the cancellation fee to which he contractually agreed, and demands DBl to refund him in excess of the fees he has paid DBL, even though DBL has completed all but one of the products for which he contracted.In the interests of Customer Service, DBL would like to resolve the Customer's concerns and continue to serve the Customer.  Alternative, DBL is willing to waive the cancellation fee to which the Customer agreed to close the Customer's account.  Please direct the Customer to DBL to resolve this matter.  We appreciate your ongoing consideration.  Thank you.Enclosed are copies of the Customer's contracts with DBL, the Customer's File Detail Notes Page, and the Customer's File E-Mail Page.

Complaint: [redacted]
I am rejecting this response because: MESSAGE FROM CUSTOMER: In the business response, nothing was addressed via phone conversations; just the agreement papers.  We know the phone conversations implied  different promises. Nothing more will be said on that as we believed the voice/phone calls and assurances spoken. What we, the customer, would like to happen now is:(1)    They “respectfully refused” to refund us any fees.  We will accept that.(2)    What we, the business, requests is all further communication with the business cease. This entails further payments, phone calls, e-mails, USPS, etc.  USPS, etc.
Sincerely,
[redacted]

We have spoken with the Customer and we have waived all cancellation fees.  We respectfully refuse to refund any fees because of the work we have performed.  We believe the Customer is amenable to this resolution.

Complaint: [redacted]
I am rejecting this response because: I have not received an updated business plan from them. I have provided them with all of the information that I needed to to have an updated business plan by now. I called and called and called and I didn't receive any type from them until they found out that I had a complaint. I singed a contract with them in good faith that they would provide me with the services that they promised. 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because, for a week I tried to get in touch with someone from Direct Business Lending via phone.  For a week, I was placed on hold each time I called and could never get to a human person to speak to.  I left several messages for people from the company that I had already spoken to, and was never called, or even emailed back.  After the first initial week or so, the only contact from the company was from what seemed to be automated emails. My issue is no one started calling me back until after I emailed them seeking to cancel the relationship as it seemed to be dragging on in an attempt by them to make money from me only.  This company did not care about my dissatisfaction until I reversed the payment on my credit card.  If you look at their timeline, it does show a complete void in any contact for an entire week at the beginning of December.  I think this company is very un-customer friendly and too big to know what anyone else in the company is doing.  
Sincerely,
[redacted]

This response is being sent in accordance with the client's rejection.To clarify, business credit lenders not only look at the client's credit score, they also look at thetype of credit that is reporting.  There are a number of factors that lenders review.  Lenders requirethat the client have no collection accounts showing, even if paid in full, no judgments, and no bankruptciesnewer than 24 months old.  The letters sent to the credit bureaus are to clear any red flags thatmay be reporting.We have also been advised, that there have been no collection efforts since July.  This accountwas closed on July 31, 2015.  There have been no payment attempts, and no collection efforts that have continued.  We are attaching the final step in the cancellation process.  Even though, our contractstates that if we accept a cancellation request from a client, the cancellation fees arebetween the amounts of $495.00 - $1495.00 depending on the work that has been done.  As a courtesyto the client, we have sent a mutual settlement agreement to the client, with a $0.00 cancellationfee.  We do ask that the agreement is physically signed, and either faxed back to us or scannedand emailed back with a signature.As always, if there are further questions, please feel free to contact us.

As stated more fully below, Direct Business Lending, LLC ("DBL"), respectfully refuse to refund ("Ms. [redacted]" and/or "Client") any fees.  However, in the interests of customer service, DBL is willing to allow Ms. [redacted] to cancel her account without a fee if she signs a settlement agreement to...

resolve this matter.1.  We respectfully deny Ms. [redacted]'s allegation that we, "(G)uaranteed 99% that (she would) get funding within 3-5 wweeks.  They think (her) credit score and al lother stuffs are so good to get funding very quickly."  In Paragraph Three of the December 12, 2015 Funding Assessment Agreement that Ms. [redacted] signed and certified that she understood, DBL explicitly declared that we did not guarantee Ms. [redacted] financing of any kind.2.  We respectfully deny Ms. [redacted]'s allegation that, "(T)hey made me purchase a package which I was paying monthly installment."  When Ms. [redacted] signed the December 16, 2015 Lender Preparation Package Contract installment contract to purchase the Lender Preparation Package, she reviewed each and every paragraph with our compliance representative and Ms. [redacted] and our compliance representative signed the sales order page in which they assented to the terms of the installment contract.  In short, no one made Ms. [redacted] do anything.3.  We respectfully deny Ms. [redacted]'s allegation that, "(T)hese  scammers started their drama of making website for my company which has no use at all all.  Writing me dispute letter which I had to mail."  In sales order page of Ms. [redacted]'s December 16, 2015, Lender Preparation Package Contract, Ms. [redacted] agreed to purchase our website and personal credit enhancement business consulting products.   Therefore, Ms. [redacted] assented to the purchase of the products for which she no claims she has no use.4.  We respectfully deny Ms. [redacted]'s allegation that she did not understand the purpose of the telephonic appointments and that we would let her know if we could find a lender.  In her December 12, 2015 Funding Assessment Agreement and December 16, 2015 Lender Preparation Package Agreements, Ms. [redacted] agreed to follow all our instructions in the Lender Preparation Package so the we could help position her for business financing.5.  For each of the previously stated reasons, we respectfully deny Ms. [redacted]'s allegation that, "after 4 months they are saying Direct Business does not guarantee Funding.  Then why the [redacted] I'm paying you??? They are such a big lier. When I asked don't they listent to all the voice reocrd... and what they are saying now is compltetely diffrent.  They ignored it."  Again, in her Funding Assessment Agreement, Ms. [redacted] certified that we did not guarantee her financing.  Only Ms. [redacted] knows her motivations for signing the Lender Preparation Package and Funding Assessment Agreements.  As demonstrated by the agreements, we have lied about nothing and we have ignored nothing.6.  For reasons including the following, we respectfully admit that we have notified Ms. [redacted] we will take her to Court if she does not bring her account current, pay the contracted for cancellation fee of $1,495.00, and/or pay a settlement fee of a lesser amount:   First, we have fulfilled our contractual obligations to Ms. [redacted]:  Under the Lender Preparation Package Agreement, we promised to deliver Ms. [redacted] business entity formation, business plan, business credit enhancement, personal credit enhancement, website, and Lender Matching businessconsulting products, and Ms. [redacted] promised to follow our instructions to complete the products.  On or about December 22, 2015, we delivered Ms. [redacted] her business entity creation documents.   Our records show that Ms. [redacted] never registered her business.  On or about  January 16, 2016, we delivered Ms. [redacted] her business plan.  Second, on or about March 1, 2016, we delivered Ms. [redacted] her business website.  On or about March 22, 2016, after many appointments, and many appointments that Ms. [redacted] missed, we sent Ms. [redacted] her first round of personal credit documents.  We could not provide Ms. [redacted] business credit enhancement because our records indicate that she never confirmed if she registered her business.  We could nott provide Ms.[redacted]Lender Matching, because, as stated above, she did not complete personal credit enhancement.  Even after Ms. [redacted] stopped making the contracted for payments nearly 60 days ago, we continue to work on her file through on or about May 10, 2016.Second, Ms. [redacted] has breached her contract with us.  She stopped making the contracted for payments nearly 60 days ago.  Ms. [redacted] missed personal credit enhancement appointments.  Ms. [redacted]'s file inidictates that she did not notify us as to whether or not she registered her business.  She violated Paragraph Four of her December 12, 2015 Funding Assessment Agreement because she sought financing independently of us while we were providing the Lender Preparation Package business consulting products.  Finally, she stopped making payments nearly 60 days ago.Third, on May 10, 2016, we twice spoke with Ms. [redacted] about bringing her account current.  Ms. [redacted] personally attacked our employee when we graciously asked her to bring her account current.  After Ms. [redacted] refused to bring her account current, we offered her the option of cancelling her account for the contracted for fee of $1,495.00 or settling for a lesser amount.  When she refused, we appropriately sent her a demand letter for services rendered.7.  Ms. [redacted] only filed this complaint after she breached her December 12, 2015 Funding Assessment Agreement and her December 16, 2015Lender Preparation Package Agreement.  Ms. [redacted] is using this complaint to avoid satisfying her contractual obligations.8.  We shall not refund Ms. [redacted] any fees for the products and services we have delivered.  However, if Ms. [redacted] signs a settlement agreement we shall waive our rights to the cancellation fee, settlement fee, and right to litigation.9.  Thank you.10.  Attached, adopted, and incorporated by reference are copies of Ms. [redacted]'s December 12, 2016 Funding Assessment Agreement, December 16, 2016 Lender Preparation Package Agreement, and Filed Documents.

TOur client services team leader talked to our client on Friday, February 5, 2016.  The client has agreed to continueworking with us due to the fact that he is still in need of a business loan.  The team leader will be reviewing the file on a frequent basis to ensure that the file is...

moving forward as quickly as possible.

Ms. J[redacted] signed up for our services on 2/2/2015. In the following days we had some conversations with Ms. J[redacted] regarding information we needed to complete our services and on 2/8/2015 we sent her Articles of Organization  that she needed to file to register her...

business with the state of Florida.  By 1/12/2015 we completed Ms. J[redacted]’s business plan. During the next two weeks we completed a personal credit appointment, called Ms. J[redacted] to follow up on her file and she also called in as well.  We also completed a round of dispute letters for the credit bureau reporting agencies to clean up read flags that would disqualify the client for funding . In the month of February we discussed the credit bureau responses that Ms. J[redacted] received, conducted a lending review and  Ms. J[redacted] expressed a desire to cancel her account since her family wasexperiencing medical and financial difficulties.  After a week of attempting we reached Ms. J[redacted]  regarding cancellation and  a payment deferment.  Over the next month any lack of communication was due to waiting for a decision by Ms. J[redacted] regarding cancelling or continuing.  After receiving an email from Ms. J[redacted] in April we called and discussed next steps.  Ms. J[redacted] informed us she had not sent in her Articles of Organization to register her business with the State and Ms. J[redacted] said she was unhappy with the business plan we created for her.  The next steps we need to take, such as establishing her business credit profile, are contingent on having the Articles of Organization filed with the state.   We also completed another draft of the clients business plan and over the next several weeks we repeatedly requested an updated credit report to remove red flags that lenders would see, but Ms. J[redacted] has refused to provide one. Additionally we advised Ms. J[redacted] on ways to get sales revenue so she could file her Articles of Organization which would allow us to take next steps to reach her funding goals but she was unwilling to move forward.  Ms. J[redacted] has reiterated her desire to cancel her account.  According to the contract Ms. J[redacted] signed we have drafted Articles of Organization, completed the business plan with revisions and completed a round of credit consultation with dispute letters. The contract also outlined the cancellation procedure including that there would be an earlycancellation fee to dissolve the contract.  The work we completed would  warrant a cancellation fee up to $[redacted], however in a gesture of goodwill we will cancel Ms. J[redacted]’s file for the minimum fee of $[redacted]. We will email the settlement agreement to Ms. J[redacted].  When she signs and returns the settlement agreement and takes care of the early cancellation fee her account will be cancelled.

Direct Business Lending would like to clarify the information on the client's most recent response.Direct Business Lending is not a lender.  We are a consulting firm, that offers our clients a Lender Preparation Package.  There are 5 services included in the Lender Prep Package, one of whichis lender matching. Our client services supervisor tried to call the client on different occasions.  When he introduced himself, the client hung up on him after the introduction. Our company structure is there is an account manager assigned to the file.  Under that maincontact are various other departments that work on the client file.  We  have a personal creditconsultant, a business plan writer, a web signer, a business credit consultant and an entityconsultant.We understand that most clients do not have the cost of the service package available.  We financethose clients after a small down payment is made, and we accept monthly payments for our services.The credit resolution letters were sent prior to the complaint date.  They were resent to the clientas a courtesy as it appeared that they had not been received the first time sent.We have received notification from our finance company that even though our client signed a 24month contract, she has stopped her first payment as "customer advises not authorized" and hasalso disputed her first down payment of $329.00 as customer advises not authorized.  We have providedservices to the client without any payments received for services.  Also, it is an industrystandard that a success fee is charged to the client upon successful client funding.If any other information is required we will provide it on request.

Complaint: [redacted]
I am rejecting this response because, again, my complaint on a complete lack of communication by the company after their initial "sales pitch".  I was provided with extensions of people who didn't answer their lines or return my calls.  None of the promised work that was supposed to be done was done and to be honest, until I cancelled their automatic payments and submitted this complaint, I never heard from anyone.  They haven't done anything but, take my money and waste my time.
Sincerely,
[redacted]

Complaint: [redacted]I am rejecting this response because:there wad not a business plan sent. There was a phone call with a lady that had a rough draft. It refered to myself as he and several other mistakes. She wad to correct and send a finished copy. I called back when never received and the person in her department said she was out and they. Could not get to it. She never sent a finished or updated version. I had one my daughter and I did and had sent them a copy of that at the beginning. She said they would work off that. When she called me she ask questions like What was my vision. I had I person from somewhere call me and ask if I owned a vehicle and they maybe could have loaned up tp 1500. They said I did not own the restaurant for at least 6 months. They have left a message but I live in ohio and when I go to work They are not open yet. I think the guy that called is Trevor. I will not be able to contact them before Monday. 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
The reason I am rejecting their response is based on three items in the company's response.We emailed the certified receipts showing we have mailed the three letters  to the cerdit bureaus on Aug. 28, 2015 to  [redacted]@directbusinesslending.com and never heard back from the company.We emailed DBL  a copy of our LLC certificate and the first letter we got from Dunn and Bradstreet on July 2, 2015 and got a response saying it had been uploaded to our files and that was all we received.As far as the business plan assessment and website survey, we never received them until we made contact with the company the first part of December.  We were informed that these would be the last step of the process.At this time we do not feel the company has held up their end of the contract as we had not heard anything from them since the middle of Aug.  until now.  We do not dispute that we quit making the payments.  At this time we would like original payment refunded, which is $329.00Sincerely,[redacted]

Since joining Direct Business Lending the client’s Business Plan, Website, DUNS were completed.  Additionally, multiple rounds of Dispute Letters were drafted to clean upred flags on credit reports that lenders would see.   Mr. [redacted] was contact regarding this Revdex.com complaint....

 After discussing his file we came to a resolution by assigninga new account manager that would have weekly contact an scheduled an appointment for 6/1/2015.

Complaint: [redacted]I am rejecting this response because:
Hello yes I'm rejecting what is being said because as of the end of February I had done my part be raising my credit the needed points.  The up to date business and personal statements were all sent.  Yet Trevor stated the revenue is not high enough. A cosigner would but be needed.  Now that I have contacted the Revdex.com I'm told if I send new up to date statements I'll be put infront of a lender.  How is anything different then two months ago I don't know.  Now Jon who stated on the phone today that hasn't even worked at direct business lending for two months is telling me everything will be okay.  They say they did something for my credit all they did was have me send one letter sentences to each organization which was declined with no changes made.  The website which was made you can't even see unless you know the actual url a google search will only bring up my Facebook page.  Now Jon is stating that I can get out of this for [redacted].  When I talked to Trevor two months ago about canceling after he told me I needed a co signer he stated I had to pay the full amount.  This company is a bunch of con artist they can't even get on the same page as one another.Sincerely,[redacted]

Direct Business Lending will respond to clarify certain timeline issues.Client signed the sales contract on November 13, 2015,  Client was then contacted by our AccountManager on November 16, 2015 to discuss the details of the work to be done and the stepsthat would be taken to accomplish the completion of the lender prep package.On November 16, 2015 our business plan department received an email from the clientregarding information that was to be included in the business plan.  On November 17, 2015,our administrative assistant emailed the client information on co-signors.On November 17, 2015, the client submitted the business plan assessment and it was uploadedto the client file by our business plan writer.On November 20, 2015, our personal credit advisor spoke to the client, and went over astrategy to ensure that the credit reports were satisfactory to submit to our lendingdepartment.  A follow up appointment was set for the client for December 8, 2015.On November 24, 2015, we received an email from the client regarding the entity, businesslicense, etc.On December 1, 2015, we received an email from the client listing her EIN number neededto apply for her DUNS number, and to establish her business credit.On December 7, 2015, we received an email from the client stating that she had notheard from anyone.To clarify, Direct Business Lending does not contact the clients on a daily basis,  We doschedule follow appointments on a 2 week basis; however, if something does come up oradditional information is needed immediately, we will contact the client.  We have a teamof staff members that work on the client file.On December 7, 2015, we received an email from the client.  We then set an appointmentfor the client with our team leader for December 9, 2015.  On December 9, 2015, he attemptedto contact the client twice and both times the client disconnected the call when he hadlet her know who he was.  The team leader was finally able to speak to the client on December 9, 2015.  He went over what had been fulfilled on her lender prep package.  Shethen told him that she would handle the situation by filing a Revdex.com complaint.  It appearsthat we spoke to her before the complaint was filed.On a side note, all of our calls are recorded and our notes system is date stamped.  That is how we verify our information.  if further information is required, we would behappy to provide the additional information.  We were not even aware of the client's stop payment on her first payment until Decmeber 19, 2015.to clarify, we have not received any funds as of this date from the client as she stopped both herdown payment and 1st monthly payment. If more information is needed, please feel free to contact us.

If the Customer is willing to sign a settlement agreement, Direct Business Lending, LLC, will waive the contracted for cancellation fee of $1,495.00.  We hope to resolve this matter soon.  Thank you.