eProdigy Financial

Thank you for giving us the opportunity to respond to [redacted] ' complaintsWe received two letters regarding this matterThe first one, dated February **, stated: "Capital Stack keeps debiting money from my account without authorizationI have spoken to multiple people through email and phone and advised them to stop which they won'tAlso they owe me money for this and won't return itThis company is awful to work with and lie constantly." His desired settlement was a refund, so we looked into his account with us to get more informationTo address his issues: "Capital Stack keeps debiting money from my account without authorization." When [redacted] agreed to take funding from us, he agreed that repayment of these funds would be through a bank debit and furnished the information for us to be able to make these debitsWe did not come across his information blindly"Also they owe me money for this and won't return it." We saw that his account was being improperly debited and responded by taking the following steps: We issued a refund for the overdrawn amount, sent [redacted] a zero balance letter, and removed him from our [redacted] list [redacted] was contacted and informed of this, and we thought the matter had been resolvedWe then received a second letter, dated February [redacted] stating the following: "I have not received anything from this company and do not accept this as the company owes me money for unauthorized withdrawalsPer a phone conversation they will reimburse me on [redacted] , 2/**" Concerning this letter: "I have not received anything from this company" The [redacted] was removed on February [redacted] and his Zero Balance letter was mailed the same dayWe can provide physical and electronic copies"Per a phone conversation they will reimburse me on [redacted] , 2/**" [redacted] ' reimbursement was issued on [redacted] , February ***, and his funds were released the next dayAt Capital Stack we want our customers to receive top notch service, and take complaints like this seriouslyWe have apologized for the inconvenience, and have taken the necessary steps to resolve the the issueShould [redacted] need any further assistance with this matter, we are happy to assist him

Thank you for giving *** ***, LLC the opportunity to respond to *** *** request that he stop receiving any further *** ***, LLC solicitations While a review of our records does not indicate that we previously received a request to cease mailings or phone calls to
this business, I can confirm that *** ***, LLC has removed *** *** phone number from all future marketing communications and placed in *** ***, LLC's internal Do Not Call list Thank you very much for letting us know about *** *** concerns, as we wish to accommodate his request Sincerely, Marcella GR***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
I have not received anything from this company and do not accept this as the company owes me money for unauthorized withdrawalsPer a phone convo today they will reimburse me on *** 2/**
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

"I signed an agreement with Capital Stack earlier this year to get funds to help cash flow my businessThe fees I paid to get this loan are not within the legal limits of interest rates, they get around this though I believe because of the verbiage in the contract as a purchase and repaymentI
got into a further financial bind which did not allow me to make payments in a timely mannerI was working on a solution and trying to keep Capital Stack informed as to getting back on a payment plan, I was also working on getting a real loan through the *** to get this paid offAs soon as I started saying that I wanted to pay this off they ‘sent me to legal’I tried resolving this with the department I was working with but they said since it went to legal they could not do anything about itWhen I asked to be transferred to legal they stated that they cannot do that an I needed to wait for a call from themWell, no call cameOnly a UCC lien against my assets which seized the funds transferring through my credit card processorLuckily the credit card processor says they are holding the funds but I’m not sure how long that will lastThe paperwork they had me sign is brutal and unforgiving, they are the same in this situationI am trying to get a payoff amount with them so I can finalize my *** loan but since they have me by the *** they are not budging off the $default fee plus what I have contracted with themThere are additional fees that have accrued that are above what the contract allows but they have not been willing to show me what they have actually charged so I cannot say the exact amount but it comes to about $3,I have come to find out that going to legal is just down the hall, I’m not even sure it is a different business" On or about June **, 2015, Capital Stack, LLC entered into a Merchant Agreement with Patio and Window Solutions, LLC, an entity of which MrHanson is the principal of. Pursuant to the Agreement Capital Stack, LLC purchased a percentage of Patio and Window Solutions, LLC’s future receivables. Patio and Window Solutions, LLC had defaulted and breached the terms of the Agreement. Nonetheless, since the date of this complaint, Capital Stack has come to a resolution and settlement with Patio and Window Solutions, LLCThis account is now closed and accordingly, on or about November **, 2015, Capital Stack released Patio and Window Solutions, LLC ‘s credit card processing account and filed a UCC-termination statement Sincerely, Marcella GR*** Associate Counsel Capital Stack, LLC

"I signed an agreement with Capital Stack earlier this year to get funds to help cash flow my business. The fees I paid to get this loan are not within the legal limits of interest rates, they get around this though I believe because of the verbiage in the contract as a purchase and repayment. I got...

into a further financial bind which did not allow me to make payments in a timely manner. I was working on a solution and trying to keep Capital Stack informed as to getting back on a payment plan, I was also working on getting a real loan through the [redacted] to get this paid off. As soon as I started saying that I wanted to pay this off they ‘sent me to legal’. I tried resolving this with the department I was working with but they said since it went to legal they could not do anything about it. When I asked to be transferred to legal they stated that they cannot do that an I needed to wait for a call from them. Well, no call came. Only a UCC lien against my assets which seized the funds transferring through my credit card processor. Luckily the credit card processor says they are holding the funds but I’m not sure how long that will last. The paperwork they had me sign is brutal and unforgiving, they are the same in this situation. I am trying to get a payoff amount with them so I can finalize my [redacted] loan but since they have me by the [redacted] they are not budging off the $5000 default fee plus what I have contracted with them. There are additional fees that have accrued that are above what the contract allows but they have not been willing to show me what they have actually charged so I cannot say the exact amount but it comes to about $3,000. I have come to find out that going to legal is just down the hall, I’m not even sure it is a different business. "   On or about June **, 2015, Capital Stack, LLC entered into a Merchant Agreement with Patio and Window Solutions, LLC, an entity of which Mr. Hanson is the principal of.  Pursuant to the Agreement Capital Stack, LLC purchased a percentage of Patio and Window Solutions, LLC’s future receivables.  Patio and Window Solutions, LLC had defaulted and breached the terms of the Agreement. Nonetheless, since the date of this complaint, Capital Stack has come to a resolution and settlement with Patio and Window Solutions, LLC. This account is now closed and accordingly, on or about November **, 2015, Capital Stack released Patio and Window Solutions, LLC ‘s credit card processing account and filed a UCC-3 termination statement.   Sincerely, Marcella G. R[redacted] Associate Counsel Capital Stack, LLC

Thank you for giving us the opportunity to respond to [redacted]' complaints. We received two letters regarding this matter. The first one, dated February **, 2015 stated: "Capital Stack keeps debiting money from my account without authorization. I have spoken to multiple people through email and phone and advised them to stop which they won't. Also they owe me money for this and won't return it. This company is awful to work with and lie constantly." His desired settlement was a refund, so we looked into his account with us to get more information. To address his issues: 1. "Capital Stack keeps debiting money from my account without authorization." When [redacted] agreed to take funding from us, he agreed that repayment of these funds would be through a bank debit and furnished the information for us to be able to make these debits. We did not come across his information blindly. 2. "Also they owe me money for this and won't return it." We saw that his account was being improperly debited and responded by taking the following steps: We issued a refund for the overdrawn amount, sent [redacted] a zero balance letter, and removed him from our [redacted] list. [redacted] was contacted and informed of this, and we thought the matter had been resolved. We then received a second letter, dated February [redacted] stating the following: "I have not received anything from this company and do not accept this as the company owes me money for unauthorized withdrawals. Per a phone conversation they will reimburse me on [redacted], 2/**" Concerning this letter: 3. "I have not received anything from this company" The [redacted] was removed on February [redacted] and his Zero Balance letter was mailed the same day. We can provide physical and electronic copies. 4. "Per a phone conversation they will reimburse me on [redacted], 2/**" [redacted]' reimbursement was issued on [redacted], February [redacted], and his funds were released the next day. At Capital Stack we want our customers to receive top notch service, and take complaints like this seriously. We have apologized for the inconvenience, and have taken the necessary steps to resolve the the issue. Should [redacted] need any further assistance with this matter, we are happy to assist him.

Thank you for giving [redacted], LLC the opportunity to respond to [redacted] request that he stop receiving any further...

[redacted], LLC solicitations.    While a review of our records does not indicate that we previously received a request to cease mailings or phone calls to this business, I can confirm that [redacted], LLC has removed [redacted] phone number from all future marketing communications and placed in [redacted], LLC's internal Do Not Call list.   Thank you very much for letting us know about [redacted] concerns, as we wish to accommodate his request.   Sincerely, Marcella G. R[redacted]

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 and the matter has been resolved. I will note that I did try to contact the business directly before filing the complaint with Revdex.com. No one answered the phone.
Sincerely,
[redacted]

We were dismayed to learn about the error regarding [redacted]' account with us and have taken the following steps to remedy the issue: Since his advance has been paid in full, we have...

issued a zero balance letter to him as of yesterday (2/**/2015), and removed our [redacted] from his business. We have removed him from our automated debit system and he should receive no further debit requests to his account. We have sent this information to [redacted] in writing and he should receive it over the next few days. At Capital Stack, we value our clients and customer service above all else and sincerely apologize for the inconvenience this error has caused

We apologize for the inconvenience and have removed the Company from our calling list. We are also sending an email to the Merchant to apologize directly. 
'Lucida Sans Unicode', sans-serif; color: #333333; font-size: 12px;">Sincerely,
 [redacted]

Review: I signed an agreement with Capital Stack earlier this year to get funds to help cash flow my business. the fees I paid to get this loan are not within the legal limits of interest rates, they get around this though I believe because of the verbiage in the contract as a purchase and repayment. I got into a further financial bind which did not allow me to make payments in a timely manner. I was working on a solution and trying to keep Capital Stack informed as to getting back on a payment plan, I was also working on getting a real loan through the [redacted] to get this paid off. As soon as I started saying that I wanted to pay this off they 'sent me to legal'. I tried resolving this with the department I was working with but they said since t went to legal they could not do anything about it. when I asked to be transferred to legal they stated that they cannot do that an I needed to wait for a call from them. well, no call came. only a UCC lien against my assets which seized the funds transferring through my credit card processor. luckily the credit card processor says they are holding the funds but I'm not sure how long that will last. the paperwork they had me sign is brutal and unforgiving, they are the same in this situation. I am trying to work with getting a payoff amount with them so I can finalize my [redacted] loan but since they have me by the [redacted] they are not budging off of the $5000 default fee plus what I have contracted with them. there are additional fees that have accrued that are above what the contract allows but they have not been willing to show me what they have actually charged so I cannot say the exact amount but is comes to about $3,000. I have come to find out that 'going to legal' is just down the hall, I'm not even sure it is a different business.Desired Settlement: I desire to have the added fees mentioned credited, approx. $3,000 and to have the $5,000 default fee credited as well, as I was trying to work with them but they would not allow me to pay it off but rather filed the UCC lien. In addition I need the UCC lien removed once I pay them what I owe them. If the [redacted] pays them off with the above fees then I desire a refund of these fees to be wired into the account of my choice.

Business

Response:

"I signed an agreement with Capital Stack earlier this year to get funds to help cash flow my business. The fees I paid to get this loan are not within the legal limits of interest rates, they get around this though I believe because of the verbiage in the contract as a purchase and repayment. I got into a further financial bind which did not allow me to make payments in a timely manner. I was working on a solution and trying to keep Capital Stack informed as to getting back on a payment plan, I was also working on getting a real loan through the [redacted] to get this paid off. As soon as I started saying that I wanted to pay this off they ‘sent me to legal’. I tried resolving this with the department I was working with but they said since it went to legal they could not do anything about it. When I asked to be transferred to legal they stated that they cannot do that an I needed to wait for a call from them. Well, no call came. Only a UCC lien against my assets which seized the funds transferring through my credit card processor. Luckily the credit card processor says they are holding the funds but I’m not sure how long that will last. The paperwork they had me sign is brutal and unforgiving, they are the same in this situation. I am trying to get a payoff amount with them so I can finalize my [redacted] loan but since they have me by the [redacted] they are not budging off the $5000 default fee plus what I have contracted with them. There are additional fees that have accrued that are above what the contract allows but they have not been willing to show me what they have actually charged so I cannot say the exact amount but it comes to about $3,000. I have come to find out that going to legal is just down the hall, I’m not even sure it is a different business. " On or about June **, 2015, Capital Stack, LLC entered into a Merchant Agreement with Patio and Window Solutions, LLC, an entity of which Mr. Hanson is the principal of. Pursuant to the Agreement Capital Stack, LLC purchased a percentage of Patio and Window Solutions, LLC’s future receivables. Patio and Window Solutions, LLC had defaulted and breached the terms of the Agreement. Nonetheless, since the date of this complaint, Capital Stack has come to a resolution and settlement with Patio and Window Solutions, LLC. This account is now closed and accordingly, on or about November **, 2015, Capital Stack released Patio and Window Solutions, LLC ‘s credit card processing account and filed a UCC-3 termination statement. Sincerely, Marcella G. R[redacted] Associate Counsel Capital Stack, LLC

Review: I received calls from ph [redacted]

As I missed the calls, I respond the call , and was offered capital etc, and politely request t be removed front he list,

without finishing my sentence the person just hang up on me.

extremely unprofessional.Desired Settlement: an written apology and an email making sure my numbers are off the list

Business

Response:

We apologize for the inconvenience and have removed the Company from our calling list. We are also sending an email to the Merchant to apologize directly.

Sincerely,

[redacted]

Review: I took out a loan with Capital Stack. The loan consisted of automatic ACH Debits form my checking account. After the loan was repaid in full the automatic ACH Debits did not stop. Capital stack continued to debit my account until I mad multiple complaints to their office. Only after I had to go back through my bank statements and print them off, highlight them and email them to Capital Stack did they finaly stop debiting my count. For the last 3 weeks now we have been trying to make contact with Capital Stack to get the over charged ACH Debits returned to us. When ever we call we get the same run around, "oh sorry accounting is trying to figure out where we overcharged you", "let me have you talk to someone else".... Needless to say we are fed up with Capital Stack. Because of their mistake our account has been overdraw and the fees keep coming.Desired Settlement: We would like the total amount of money Capital Stack overcharged up returned ASAP to stop the fees.

Consumer

Response:

The amount is the total that they over charged me.

Business

Response:

The billing issues began with the fully executed contract and the released of funds to the merchant’s account. We were not supposed to let them out of the contract but we did so in good faith as a partner. We apologized to them for the extended turnaround times. We processed their refund on [redacted] for the amount of $1029.

Review: Capital Stack keeps debiting money from my account without authorization. I have spoke to multiple people through email and phone and advised them to stop which they wont. Also they owe me money for this and wont return it. This company is awful to work with and lie constantly.Desired Settlement: I want a refund

Business

Response:

We were dismayed to learn about the error regarding [redacted]' account with us and have taken the following steps to remedy the issue: Since his advance has been paid in full, we have issued a zero balance letter to him as of yesterday (2/**/2015), and removed our [redacted] from his business. We have removed him from our automated debit system and he should receive no further debit requests to his account. We have sent this information to [redacted] in writing and he should receive it over the next few days. At Capital Stack, we value our clients and customer service above all else and sincerely apologize for the inconvenience this error has caused

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

I have not received anything from this company and do not accept this as the company owes me money for unauthorized withdrawals. Per a phone convo today they will reimburse me on [redacted] 2/**.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Thank you for giving us the opportunity to respond to [redacted]' complaints. We received two letters regarding this matter. The first one, dated February **, 2015 stated: "Capital Stack keeps debiting money from my account without authorization. I have spoken to multiple people through email and phone and advised them to stop which they won't. Also they owe me money for this and won't return it. This company is awful to work with and lie constantly." His desired settlement was a refund, so we looked into his account with us to get more information. To address his issues: 1. "Capital Stack keeps debiting money from my account without authorization." When [redacted] agreed to take funding from us, he agreed that repayment of these funds would be through a bank debit and furnished the information for us to be able to make these debits. We did not come across his information blindly. 2. "Also they owe me money for this and won't return it." We saw that his account was being improperly debited and responded by taking the following steps: We issued a refund for the overdrawn amount, sent [redacted] a zero balance letter, and removed him from our [redacted] list. [redacted] was contacted and informed of this, and we thought the matter had been resolved. We then received a second letter, dated February [redacted] stating the following: "I have not received anything from this company and do not accept this as the company owes me money for unauthorized withdrawals. Per a phone conversation they will reimburse me on [redacted], 2/**" Concerning this letter: 3. "I have not received anything from this company" The [redacted] was removed on February [redacted] and his Zero Balance letter was mailed the same day. We can provide physical and electronic copies. 4. "Per a phone conversation they will reimburse me on [redacted], 2/**" [redacted]' reimbursement was issued on [redacted], February [redacted], and his funds were released the next day. At Capital Stack we want our customers to receive top notch service, and take complaints like this seriously. We have apologized for the inconvenience, and have taken the necessary steps to resolve the the issue. Should [redacted] need any further assistance with this matter, we are happy to assist him.