Future Income Payments

Great service.

As of the sending of this email I have had no complaints with this service. I am a Division Commander over 6 different VFW's in South Carolina also. If my ACH deposit goes thru as easily as the Processing has, I will gladly tell every Veteran that if they need funds they should go thru "Future Income, LLC".

Respectfully

Tom [redacted]

The service overall did what I expected there were communication issues and confusion about the forms to be used and what documents needed to be notarized. The ony time I got to chance to review the contract was when I was asked to sign. I had no opportunity to review any of areas that I had questions until after the fact.

The paperwork was a timely process but the staff was friendly and courtious all all times and very helpful and informative..

Review: I received a 1099-B form from [redacted] with an explanation letter stating I received the form because of an agreement with Future Income Payments, LLC. I do not know why I received this form because I have not done business with them and have not received money from them. I contacted [redacted] directly at their Atlanta location; the voice machine prompted me to call the toll number for Pensions Annuities Settlements (now known as Future Income Payments LLC). I contacted Future Income Payments and the customer service representatives were unable to assist me in determining why I have received the 1099-B Form. The representatives claimed I was not a client of theirs and I was not in their client database, but I must be in their system somehow because I received a form from them with an explanation letter stating there is a Purchase and Sale Agreement between us. I am aware of prior fraudulent lawsuits against this company and am concerned the form and letter I received are part of a scam.Desired Settlement: I am seeking an investigation into why I received this form, if there really is a Purchase and Sale Agreement between me and Future Income Payments, LLC, and if so, additional action will need to be taken because I did not sign an agreement with this company.

Business

Response:

In the Complaint, Mr. [redacted] makes reference to not knowing why he received a 1099-B formin relation to an agreement with Future Income Payments, LLC ("FIP"), as he does not believehe has done business with FIP. Mr. [redacted] also makes reference that when he called to getthis issue resolved, he was unable to get information as to why he received the 1099-B. He hasrequested we investigate this matter which we have done.Per review of our records, Mr. [redacted] did execute a contract with FIP on November 11, 2014to receive a cash advance. On November 12, 2014, FIP was in the process of sending the fundsto Mr. [redacted] when he contacted FIP and requested that the contract be cancelled. FIP wasable to cancel the funds transfer and it was never sent to Mr. [redacted]. FIP has suspended thecontract and is not moving forward with this transaction.Based on the above chain of events, Mr. [redacted] is correct that he should not have received a1099-B related to this transaction since it was never completed and funds were never transferred.We have reached out to our partner, [redacted] ("AFB"), who sent the 1099-B toMr. [redacted], and asked them to correct their records. As of this writing, AFB has made thenecessary correction and updated the information sent the Internal Revenue Service to eliminatethe 1099-B related to Mr. [redacted].We sincerely apologize for any inconvenience we have caused Mr. [redacted]. We will use thisexperience to improve our customer service and procedures surrounding year end 1099 reportingrequirements in order to hopefully prevent this from happening in the future. We would also liketo speak with Mr. [redacted] if he feels the original contract that was signed was in error. Ipersonally reviewed the name, address, phone number and email address contained in theoriginal contract and found that it agrees with the information Mr. [redacted] provided in thisComplaint. We look forward to reaching a final resolution regarding this matter. Sincerely,[redacted], President

This company is nothing but a rip off. I borrowed 6000.00 and actually received 5700.00 and will have to pay back 743.00 for 5 years and that totals to around 35000.00. I suggest if you have a pension and need some funds leave this company alone.

I think this company did a great job getting the application process going as quickly as possible. I truly believe it is solely up to the individual who is applying for this app for it to go smoothly as possible.

I Bobby [redacted], is very thankful, for the Cash Advance. This will able me to payoff a great portion of my bills. Everyone that I spoke with was very nice and helpful. All information that was given to me was clear and concise, which made it must more understanding, and I were able to response back quickly. The Courtesy that was given by each person was unbelievable, and I want to thank each and everyone I spoke to, Again Thanks.

The customer service reps were very courteous and efficient. They followed up when they said they would and kept me informed of the process and progress all along the way. If I had to do some legwork (faxing, etc) they were patient with me until they had the information they needed. I plan to use these funds to clear up some debt and open a savings account..

This company is currently providing me with a cash advance ...they seem to be very professional and I am waiting my funds in order to meet my financial needs Thanks Donna

They were very helpful answering my questions. This is an expensive loan. Nor higher than the competitio .However, they are upfront, nice, and communicative.

The staff were extremely helpful in walking me through the process and answering all my questions. The advance was needed in quick fashion for unexpected bills and repairs and solved my immediate financial needs. Thank you!!

I recently inquired in the services offered and submitted documents with this company. As soon as the paper is all submitted which I had to call numerous times to self inquire on the status. Don't believe the 3 to 5 buissnes days gemick. Turns in to 6 to 9 without a defenate wait and we will call you back!and not to mention sir can you please refrain from calling us until we call you statement I was given by an employee. Wow!

The best customer service there is,amazing attention to detail and was very patient with me.This cash advance will help me to finally finish my much needed dental work.Great service.

Everyone one was helpful when applying for the cash advance. Their guidance and patience was comforting when taking such an importance step. Everyone from the sales representative to customer service were helpful.

Review: I signed a contract with the bussiness above, to include noarized documents. They offered a lump sum funding in the ammount of 4000 dollas which was supposed to be deposited in to my bank account seven to ten bussiness days after my application was approved. On the eleventh bussiness day after the approval of my application which was 7/31/2014 I still had not received the funds promissed me. Infact, I had called several times before that to try and get updated on my funding, and they did not return my calls or emails. I finaly was able to speak to a Supervisor "[redacted]" on 8/15/2014, who informed me that due to a high volume of customers that they were processing, that they now could not even tell me when my funds would be available. In other words I was mislead in to beleiving that this funding would occur as to our written Contract. They Breached our contract. I have a mother who has to be cared for due to a tumor newly found, and told them this is what the funds were now basicaly going towards. They could at least have told me the truth earlier so I could find other funding source. Now this funding was completely backed by my pension. Yet they went on as if they could in fact fund me. They are unscrupulous and heartless in my opinion. They gather very detailed information on finances and personal data which concerns me greatly.Desired Settlement: Be careful with this company. They gather very detailed financial information and do not do the job of funding your money when promissed. I'm still waiting on my funding. Please do not do bussiness with them.

Business

Response:

August 27, 2014

Ms. [redacted]

4747 Viewridge Avenue, Suite 200

San Diego, CA 92123-1688

Re: Complaint ID 1 [redacted]

[redacted] St. Apartment #1

[redacted], CA [redacted]

Dear Ms. [redacted],

We are in receipt of your letter referencing Complaint ID [redacted] ("Complaint"). A copy is attached for reference.

We apologize for any inconvenience we may have caused Mr. [redacted]. Mr. [redacted] makes reference to his discussion with a Supervisor regarding his funding not being processed within

the seven to ten business days from the date his application was approved. Mr. [redacted] further makes reference that the Supervisor was unable to give him a definite answer as to when his funding would occur.

We acknowledge that Mr. [redacted] did have a discussion with a Supervisor on August 15, 2014 regarding the fact that he had not received his funding within the ten business days from the date his application was approved. We also acknowledge that the Supervisor was unable to give Mr. [redacted] an exact date of when his funding would occur due to a high volume of customers being processed.

Our Company strives to have customers funded within ten business days of their application being approved; however, there are certain instances when we are unable to meet this goal. There is not a contractual stipulation that funding will occur within ten business days.

Unfortunately, the case of Mr. [redacted] was one such instance of us not being able to meet our goal.

Mr. [redacted] received his funding on August 22, 2014. We sincerely apologize for any inconvenience the delay has caused Mr. [redacted].

Further, we will work to improve the customer experience in an effort to avoid a recurrence of this unfortunate situation.

[redacted], President

So far I have been very pleased with the service that I am getting from the Customer representatives that I have worked with.

The people were courteous and professional. They made sure I understood their procedures and ironing out any small issues. They answered all my questions. They were very helpful.

My experience with Future income payments was very pleasant. The representatives were courteous and knowledgeable and answered all my questions promptly.

Friendly an