Foursight Capital LLC

We have researched the credit inquiry and found that Corpus Christi Subaru submitted an application for credit to Foursight Capital, on April 23, 2016, requesting consideration to fund an auto loan for the purchase of a Mitsubishi Lancer Foursight Capital did not ultimately fund the loanIf Mr [redacted] believe his application to be a result of ID theft, we will be able to further investigate the matter, if provided additional information To facilitate this process, we will forward the necessary information and forms directly to Mr [redacted] today, at the address provided above

The issue lies right in their own responseFoursight Capital applies my payment incorrectlyBottom line, if the payment was applied correctly there wouldn't have been an issueI have a hard time dealing with unprofessional companies who misrepresent their services and don't acknowledge their mistakesI have contacted Foursight Capita numerous times regarding this issueI have only received automated emails from alleged Account ManagersI did exactly what I was instructed to do in regards to the late payment and they applied it wrongYes, the last payment that was made was $short because again I was TOLD to pay $That was the amount due onlinePlease save all your lies and unethical business tactics for the next personIf you're going to address the issue, address it honestly and correct the mistakes YOUR COMPANY MADEShortly this won't be an issue because I will be financing through a new company come OctoberIf you aren't going to correct the issue then there is nothing to discussPayments will be made accordingly Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted] ***

On July 17, we received notice regarding a complaint filed against Foursight Capital (“Foursight”) through the Revdex.comFoursight is committed to providing the best possible customer service, so we have investigated Ms***’s complaint and made the following determinationOn August 30, 2016, Ms [redacted] signed a Motor Vehicle Retail Installment Contract for a Jeep CompassThe contract was for monthly payments of $on the 29th of each monthIn the event that the payment was not received within the 15-day leeway, as indicated in the Contract, a late fee would be assessedThe payment due on May 29, was not received until June 16, resulting in a late fee being assessedWhen the payment was made through the Foursight Capital website that was for the total monthly payment plus the late fee, the funds were applied towards the full May payment and a partial June paymentFoursight Capital attempted to contact Ms [redacted] on 7/11/2017, 7/12/2017, and 7/13/to speak with her to discuss her intentions on how she wanted the funds applied to his accountOn 7/13/a payment was made on the Foursight Capital website in the amount of $430.96, which is $less than the monthly scheduled payment of $If we reapply the proceeds from the payment made on June 16, to be applied to the outstanding fees on the account this will result in the account being behind for the payment that was due on June 29, We need to speak with Ms [redacted] to get confirmation that this is the action that she wishes to have doneWe want Ms [redacted] to know we thoroughly researched her concerns regarding the customer service issues she experiencedOur success is based on customer satisfaction with our products and services so we take the issues presented in this complaint seriously and make every effort to provide a prompt and equitable responseWe encourage Ms [redacted] to contact us at 800-406-so we can discuss his concerns further

On June 28, we received notice regarding a complaint filed against Foursight Capital (“Foursight”) through the Revdex.comFoursight is committed to providing the best possible customer service, so we have investigated the customer’s complaint and made the following determination The signed contract outlines the utilization of vehicle damage insurance proceeds as either to be used to repair the vehicle, or applied to reduce the balance owed With these requirements in mind, if the vehicle is repaired, the proceeds are delivered directly to the repair shop upon completion of the repairs and, if not repaired, the proceeds are applied directly to the balance owed Under no circumstance, will the insurance check be endorsed by Foursight and delivered to the customerIn this situation, the check was mailed to Foursight by the customerIt was managed in the standard process and the proceeds were applied to the accountNo signatures were forged, but the check was processed with only Foursight's endorsement, and did not include both payees endorsement This should have been caught during the processing of the check, but was not We have spoken with the customer’s insurance company, Geico, and they have agreed to cancel the original check and issue a new check, in order to allow both payees to properly endorse the check The end result will be the same howeverThe only options available for the received insurance proceeds are to apply it towards the repair of the vehicle or reduction of the loan balance The following documentation will be forwarded to the customer for review - copy of contract disclosing insurance proceeds requirements, copy of endorsed check showing no forged signatures, and copy of the payment history, showing insurance proceeds applied to the account Please note however, the insurance proceeds will be backed off the account upon the cancellation of the original check and issuance of a new check

On August 3, 2017, we received notice regarding a complaint filed against Foursight Capital through the Revdex.comFoursight is committed to providing the best customer service, so we have thoroughly reviewed and investigated Ms [redacted] ’s complaint and determined that the compliant is without meritUpon receipt of this complaint, an employee of Foursight Capital went directly into the dealership to investigate the complaint background A representative from Clay C [redacted] stated that originally the customers were told that the Dealership would submit the application to a lender that offers a “no payment for days” program That deal was not approved by the original lender, so the Dealership sought financing through Foursight Capital, which was approved Foursight requires the first payment to be due within days This was expressed to the customer and a contract was signed by both customers on June 3, 2017, showing the first installment due on July 18, As a customer service gesture, in order to accommodate the customers’ original desire to have a longer period of time before making their first payment, on July 17, 2017, the Dealership provided Ms [redacted] with a check (# [redacted] in the amount of $427.00) to cover the first installment due under the signed contract That check was cashed by the customer on July 19, (endorsed copies have been received by Foursight) However, those funds were never forwarded by the customer to Foursight Capital, to cover the first installment due under the contractWe have discussed this directly with Ms [redacted] , who confirmed that she did receive the check from the dealership, but indicated that those funds were used elsewhere Due to the fact that the customers signed a contract with a due date of July 18, 2017, and were provided additional funds by the dealership to cover the first installment due under the signed contract, nothing more could have reasonably been done to resolve the customers complaint

A company Supervisor has reached out to the customer, with a voice mail message left If the customer still wishes to speak directly to a Supervisor regarding her concerns, she may contact our office at (888) 960-

Complaint: [redacted] I am rejecting this response because: as I have discussed with a representative at foursight on August 10, the check that was issued was used for expenses I should not have been out due to dealerships errors We had to go over there multiple times and hour each direction to get things handled which never wereEach time we waited hours while there Between gas and having to grab a cheap quick bite to eat there is over $of the $ Then the stress of all of this has caused me to have such severe migraines I missed work which is more money and I now have an ulcer and throw up blood which I did while on the phone 8-10-with Foursight I was out well over what the $covered Had things been handled correctly the first time I wouldn't have been out the additional money Also, I very much stayed I would not have put so much of a down payment had I not been told the days In addition I have no documentation with my signature from dealership My mom and I purchased jeeps on same day Her paper work was gone over after sitting for hours and mine I was told to sign since it's the same I had no clue who the financial company was After sitting so long my mom who is still recovering from a double mastectomy from a very aggressive form of breast cancer that almost took her life times in last year was sick and I had a migraine We wanted to leave I trust people and learned a lesson after this The man who was darker completed possible Hispanic did the financing He was leaving next day to meet his parents for vacation and his dad is a cancer survivor as well (I think colon or prostate but I could be wrong) He said the days would be added he was just waiting on the paperwork it would handle it I was told I would receive documents in the mail but never did No one to this day can tell me the guys name who did the financing for us and they claim their is no record of it Foursight not Clay C [redacted] have his name on anything Clay C [redacted] also violated privacy act by sending a copy of check my mom received (her deal screwed up as well) to Foursight who is not my mom's financial place Calls were pulled by Foursight and I was proven correct that representatives did in fact tell me that the dealership needed to call to take care of this for me The lady I spoke with on 8-10-named Christine did her best and we reached an agreement to help the situation until end of the month first of next month Before speaking with her I had to deal with Alec who insinuated I was a liar and was very rude and aggressive and made me feel threatened Then Shauna who I thought was nice at first but proved to make me feel threatened and worry they had my info Plus Angie who was beyond rude when I asked to be connected to Shauna All I needed was a resolution but instead I was left crying and throwing up blood while at work I felt belittled and made out to be a liar Buying a cat should be a happy time in ones life not *** Again, Christine handled it the best she could and was pleasant I'll be getting back to handle future payment later this month I do wish Foursight would look more into a customers complaint instead of just believeinh a dealership who upon recent research has some of the worst reviews ever Dealerships are known to lie and Foursight didnt take that into consideration Also, if looking at reviews from Revdex.com and multiple sites Foursight would see my issues are mentioned throughout other complaints because Clay C [redacted] does this to others as well When speaking with Foursight we conferenced Chad from Clay c [redacted] in and he said he called Foursight multiple times and never was called back even after Foursight pointed out there were no records he called A blantany lie but still the dealership is the one they believed For now I'm figuring stuff out so payment will be made and I'm left with bad credit, health issues, and trust issues with companies Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: There are three credit bureaus that need to be correctedEquifax, Transunion and ExperianThey all need to be updated to correctly reflect the payments Sincerely, [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 Sincerely, [redacted] ***

On January 28, Mr [redacted] attempted to make a credit card payment through the Foursight Capital websiteWhen Mr [redacted] processed the initial payment on the website he received an error and as a result he returned to the payment screen and processed another transactionMr [redacted] then contacted Foursight Capital and spoke with an Account ManagerAt this time he indicated that he had received an error when attempting to process his payment but did confirm that two transactions had cleared on his statementWe asked the customer to provide us record of the cleared transaction on his bank account so that we could investigate further and get this resolved as quickly as possibleWe identified the issue with the website and did confirm that two transaction had been processed in errorOnce we had confirmed that the transaction was processed in error Foursight Capital initiated a credit back to the customer for this payment to the bank account that had previously been used for paymentThe ACH Credit request was processed back to the customer into his checking account with JP Morgan Chase on January 28, Mr [redacted] contacted Foursight Capital on January 30, to enquire about the funds being credited back to his accountAt that time he indicated that the funds had been sent to an incorrect bank accountIn conclusion of this call he indicated that he would call Wells Fargo at that time and call us back with additional information regarding what the bank had advised him to do On January 10, the customer processed a new transaction via the Foursight Capital website with a Wells Fargo bank account On February 16, 2016, Foursight Capital received notification from Wells Fargo that the transaction had been returned due to “Account Frozen”After this payment was reversed from his Foursight Capital account, we received notification that his second payment in the amount of $ [redacted] was returned from his bank (Wells Fargo) due to “Account Frozen” At this time a phone call was made and an email was sent in an attempt to speak with the customer regarding the status of the accountOn February 24, a charge back notice was received by Foursight Capital indicating that the second credit card transaction that was processed on January 28, had been disputed and never paid by Mr [redacted] Foursight Capital continued to attempt to make contact with the customer to discuss the status of the account and to attempt to clarify any confusion that had occurred On February 26, Mr [redacted] contacted Foursight Capital and stated that he was a victim of fraud on his bank account and that is why he had the transactions returnedMr [redacted] stated that due to being a fraud victim he had no control over the returned transactions and it was not his faultHe indicated that he wanted the fees that had been assessed to be waivedMr [redacted] was informed at that time that the fees could be submitted for review to be waived but could not waive them all On March 7, Mr [redacted] contacted Foursight Capital and inquired why his account was still showing as past dueThe Account Manager reviewed the transaction history with him indicating the returned transactions had resulted in the account being delinquent as had previously been discussed when he had called in FebruaryAt that time he stated that he had bank statements showing that the transactions had cleared his bank and he was advised to send in those records so that they could be reviewed by the department Supervisor Attempts to contact the customer to resolve any concerns with no successOn March 14, the customer sent an email in response to an email that was sent to him asking him to call Foursight to discuss the account The customer at that time indicated that he was waiting for the transactions from December, January, and February to be credited to his account and to adjust any incorrect reporting to the credit bureausAt this time another email was sent back to the customer requesting that he contact Foursight Capital to speak with the department Supervisor On March 17, Mr [redacted] contacted Foursight Capital and spoke with a Team Lead and indicated that he was upset that this was still an issue and that he had sent in the documentation showing that the transactions had been paid for December and JanuaryThe customer was then transferred to MrsShawna L [redacted] , the department Supervisor, in an attempt to resolve the customers concernsMrsL [redacted] explained to Mr [redacted] that the account was delinquent due to the transactions that were returned from the January payment She assured the customer that if he had bank statements showing that the transactions had cleared that she would help him get the issue correctedHe stated that he would send the statements directly to her email for further review Mr [redacted] did not respond to additional attempts to contact him until he called in on March 21, but MrsL [redacted] was not available in the office and Mr [redacted] only wanted to speak with her On March 29, Mr [redacted] contacted Foursight Capital and indicated that he was upset regarding his account was still not corrected and he indicated at that time that he wanted to voluntarily surrender the vehicleMrsL [redacted] was out of the office at the time he called and so he asked to have her call him the next dayMrsL [redacted] did speak with the customer on March 30, and explained that the account was still past due as a result of the returned transactionsThe customer stated that he did not intend to make payment on those transactions and disconnected the phone call Later in the day on March 30, an email was received from Mr [redacted] stating that he did speak with Chase Bank and did confirm that the money went into the closed bank account so he was never notified of the returned fundsHe indicated that he will make two months of payments on April 8, and asked that a call be made to him from MrsL [redacted] to confirm the arrangement to help get the account caught up At this time the customer has not responded to phone calls or emails sent to him to confirm arrangementOnce the customer is able to make the past due payments the fees on the account can be reviewed for possibility of having some waived

Mr [redacted] accessed his account on www.foursight.com on November 25, At that time Mr [redacted] provided a bank routing number and bank account number and authorized a transaction be processed for his accountMr [redacted] used the same bank information again on December 28, and January 25, and authorized transaction be processedThese transactions had been processed by Foursight Capital in the course of business and the funds had been received for the transactions On February 9, we received notification that the bank account that had been provide by Mr [redacted] and had subsequently been used to process three transactions did not belong to Mr [redacted] and he was not authorized to issue these transactions with the bank accountAt that time Foursight Capital had to issue the funds back to the bank account that had been used and contact was made with Mr [redacted] on February 11, and he was informed of what had occurredAt that time Mr [redacted] indicated that he had mistakenly entered the incorrect bank routing numberMr [redacted] indicated that he would contact his bank and then call us backMr [redacted] did call us back on February 11, and he provided new bank account information and at that time the phone transaction fee was waived for Mr***He did make an arrangement on that day to pay again on February 20, so that he could avoid having a delinquency reported to the credit bureausMr [redacted] did indicate that he was not aware that the payments did not clear his bank account and he had used the funds on other expenses so he did not have the funds available at that time When Mr [redacted] contacted us on February 18, he indicated that he was not able to pay at that time and he was advised that this would result in a delinquency being reported to the credit bureauSince this time Foursight Capital has continued to attempt to work with Mr [redacted] to get the account caught up including waiving three pay by phone fees to assist the customer in making his monthly paymentLate fees that were a result of the initial removal of transactions have been removed as a courtesy to Mr [redacted] and Foursight is committed to continuing to work with Mr [redacted] within reason to assist him in bringing the account current.Foursight Capital has continued our attempts to contact Mr [redacted] to work out arrangementsFoursight asks that Mr [redacted] contact the company to discuss how we may be able to further assist in getting this resolved

On August 2, 2017, we received notice regarding a complaint filed against Foursight Capital through the Revdex.com Foursight is committed to provide the best customer service, so we have thoroughly reviewed and investigated Ms***'s complaint and have made the following
determination We apologize for any inconvenience made by continued phone contact, after communication had been given that the phone number on file was no longer associated with our customer. An internal process is in place to remove invalid contact information from our system but, unfortunately in this case, the process was not correctly followed Management has removed the phone number from our system and has placed a note on the file to instruct that no further contact attempts be made at this number.Our success is based on customer satisfaction with our services so we take this complaint seriously and have taken every effort to provide a prompt and equitable responseIf Ms*** had any questions about this issue or any other concerns, we encourage her to contact us at 888-960-

On December 12, 2017, we received notice regarding a complaint filed against Foursight Capital through the Revdex.comFoursight is committed to providing the best customer service, so we have thoroughly reviewed and investigated Mr***’ complaint and have made the following
determinationWe have researched the credit inquiry and found the following information: On December 2, 2017, Toyota of Union City submitted an electronic application for credit to Foursight, requesting consideration to fund an auto loan for the purchase of a Buick Lacrosse, for Mr***Foursight declined the applicationAs the application was not ultimately funded, Foursight Capital LLC did not obtain a hard copy of the application. Since we are unable to provide a copy of the document in question, we have notified the applicable Credit Reporting Agencies (CRAs) to remove the inquiry from your credit record with themHowever, please understand that the length of time that a CRA may take to update their records is beyond our reasonable controlOur success is based on customer satisfaction with our services so we take this complaint seriously and have taken every effort to provide a prompt and equitable responseIf Mr*** has any questions about this issue or any other concerns, we encourage him to contact us at 888-960-

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** *** NOTE: Please review the enclosed attachment concerning Toyota of Union City's retraction

We have researched the credit inquiry and found Tillery Chevrolet GMC submitted an application for credit, to Foursight Capital, on June 1, 2016, requesting our consideration to fund an auto loan for the purchase of a Chevrolet Camaro The loan was not ultimately funded by Foursight
CapitalIf Mr*** believes this application to be a result of ID theft, we will be able further investigate the matter, if provided additional information. To facilitate this process, we will forward the necessary information and forms directly to Mr*** today, at the address provided above

*** *** signed a Retail Installment Contract on 1/14/with monthly payments of $scheduled for the 28th of each month and the first payment being due on 2/28/A payment in the amount to $was received on 3/3/completing the 2/28/payment On 3/30/a
payment was received in the amount of $completing the 3/28/paymentOn 6/2/a payment was made in the amount of $completing the 4/28/payment and crediting $towards the 5/28/paymentThere was no payment activity on the account after the 6/2/payment until an insurance check was applied to the account in the amount of $15,which was applied to the outstanding principal balanceAn insurance payment due to the total loss of the collateral is not applied to past due payments which resulted in the account remaining past due for the 5/28/2016, 6/28/2016, 7/28/2016, 8/28/2016, and 9/28/contractual paymentsContact was made with *** *** on 6/2/when the $transaction was made at which time she indicated that she would pay the remaining balance of the May payment on Friday 6/3/Foursight continued efforts to contact the customer and resolve the past due balance through June and JulyOn 8/4/*** *** contact Foursight to inquire if she could get some assistance with her past due balance on the account through a payment defermentWhile the call was being transferred to the department that was managing the account at that time the phone call was disconnectedOn 8/30/the customer contacted Foursight and indicated her vehicle was a total loss from the damage done during a tornadoShe inquired if she had GAP insurance and at that time she was advised that the account was actually in default and was out for repossessionThe call was then disconnectedThe customer contacted Foursight later that day and provided her insurance information with State FarmFoursight then contacted State Farm insurance and provided them with a payoff on the accountOn 9/12/the customer contact Foursight to inquire what the next steps were and to get the GAP insurance informationThat information was provided to the customerOn 9/14/State Farm insurance contacted Foursight and indicated that they would provide Foursight with a Letter of Guarantee and send the insurance check as soon as possible On 9/21/Foursight called State Farm Insurance for an update on the claimAt that time Ashely, with State Farm, indicated that they had all of the documents from Foursight but they were waiting on the power of attorney and odometer statement from *** ***On 9/26/Foursight was informed by State Farm that the insurance payment had been mailedOn 9/28/the customer was notified by phone that the insurance check had been received but that the account was still in a past due status and a full contractual payment would be needed to prevent a charge off from occurringThe call was disconnectedOn 9/29/a transaction of $was received and applied to the balance outstanding for the payment due on 5/28/On 9/30/a transaction of $was received and applied to the balance outstanding for the payment due on 5/28/On 9/30/the account was past due days for the payment that was due on 5/28/and the account was charged offOn 10/10/a check in the amount of $2,was received from Ray S*** Eastside Imports for cancellation of the warranty purchased at the time the contract was signedAs of 10/11/the GAP insurance payment has not been received

We have researched the credit inquiry and found that Corpus Christi Subaru submitted an application for credit to Foursight Capital, on April 23, 2016, requesting consideration to fund an auto loan for the purchase of a Mitsubishi Lancer. Foursight Capital did not ultimately fund the loanIf Mr*** believe his application to be a result of ID theft, we will be able to further investigate the matter, if provided additional information. To facilitate this process, we will forward the necessary information and forms directly to Mr*** today, at the address provided above

On May 31, 2017, we received notice regarding a complaint filed against Foursight Capital (“Foursight") through the Revdex.comFoursight is committed to providing best in class customer service, so we have thoroughly investigated Ms***'s complaint and made the following
determinationOn May 26, Ms*** contacted us to inquire if she would be able to get an extension formShe was sent the form and paid the associated fee at that timeRegrettably, we had some phone line technical issues that day and there were calls made to Ms*** in errorOn May 27, Ms*** contacted us again to inquire why the extension had not been processedUnfortunately, the extension form had been returned to the account manager’s direct email account and we were unable to access that email until he came back into the officeWe want Ms*** to know we thoroughly researched her concerns regarding the customer service issues she experiencedWe recognize that we missed an opportunity to provide the best customer service available for Ms***We have rectified the issue and processed her extension and have waived the late fee that was assessed due to this errorWe apologize for any inconvenience this may have caused Ms***

On 12/05/Mr*** made an online ACH payment of $ On 12/08/this payment was returned from his bank as “unable to locate”On 12/16/Mr*** made an online ACH payment of $ This payment did clear and was credited towards his November 9th payment On
01/15/Mr*** made an online ACH payment of $ On 01/19/this payment was returned from his bank as “unable to locate” During this time, Foursight Capital tried to contact him daily with no response On 02/08/Mr*** made an online ACH payment of $417.53, this payment did clear and was credited towards his December 9th payment.On 02/09/We spoke to him and explained two previous payments had been returned by his bank because they were unable to locate the bank account number he was using He said that the payments did clear his bank and he wanted to be credited for them We asked him to send documentation from his bank showing these payments had cleared and we would be more than happy to credit his account On 02/17/after not receiving any documentation from him, we spoke to him again He said he called his bank and they weren’t sure what we needed We advised we need something, like a bank statement, showing these payments had cleared.On 03/09/We spoke to Mr*** and asked for the bank documentation showing the two payments had cleared his account Later that day he did send us a copy of his bank account showing that a payment of $cleared his bank account on 10/25/Foursight did receive this payment and did credit his account on 10/24/2016, however this was not one of the payments being disputed We tried to contact Mr*** daily up until 03/15/when Foursight Capital made the decision to repossess the vehicle.On 03/15/Mr*** called our office asking why his vehicle had been repossessed when the payments were made We informed him that we did not receive proof of the two payments in question had cleared his bank account The account was months behind when repossessed.On 03/16/He called Foursight Capital with his bank representative on a conference call His bank representative communicated to Foursight Capital that there was no proof of the two payments clearing his account, at which time he excused himself from the phone call Mr*** continued to tell Foursight Capital that the payments did clear even though his bank representative said otherwise We advised without documentation we cannot credit his account If Mr*** can show proof of these payments clearing his bank account, we can discuss the option of reinstatement.If Mr*** can show proof of these payments clearing his bank account, we can discuss the option of reinstatement

Complaint: ***
I am rejecting this response because:I had attempted to remove the bank account tied to the auto pay several months ago due to that account no longer being valid That account is closed and should not have allowed payment to go through initiallyI have experienced several issues with making online or auto-pay payments and looking at other reviews this seems to be a consistent issue among customersI was not made aware that the repossession hold would be or had been liftedHad I been notified I would have taken the appropriate measures to ensure that amount to be paid I was not made aware of any changes to the previous agreement I was also told that to get the vehicle back I would have to pay $which is not what I owe on the vehicle I now no longer have access to my Foursight account online so I am unable to verify an exact figure, however I do remember seeing the principal amount to be below $18, I would like to receive official communication as to what has taken place and what the next steps are in regards to my account, loan and the vehicle which I had financed through Foursight.Thank you for your efforts
Sincerely,
*** ***