Future Income Payments

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

very professional

I had a very good experience but a little slow with getting your funds to you

I got the most curtious service they were quick to answer all my questions and so far the service has been great I have not had any problems.

My experience with this company was good. The only thing that I would suggest is that representatives were easier to reach. A number of times when trying to get updates I had no extension to reach the person I was working with.

I will recommend your services to friends and family.

Great experience. I would recommend anyone to use. [redacted] and [redacted] were very helpful!

I had good dealings with representatives of the company. They are professional and courteous in customer service dealings.

My total experience has been very positive. The service reps were very helpful at helping to get thee cash advance I needed to pay my bills due. The whole process was quick and easy. I would recommend them to anyone.

I highly recommend this company to anyone who needs a cash advance, in an emergency situation and no one else will help, like I was in. The people were very nice and knowledgeable and were able to answer every single question that I had.

Customer service was excellent.They did an outstanding job helping me with the application process. Thank you!

Review: On 1/13/2015, I was approved for a $5000 pension advance, I was told the payment would take 3-5 business days depending on my banks processing standards of an ACH payment. I was told by [redacted] that I should receive my money no later than Jan 20, 2015. That day has come and gone, I called and spoke with several people (Andre- floor Supervisor, [redacted], [redacted]) and no results of a deposit. I am concerned that I have divulged very personal financial information. I expressed my concern and disappointment with the organization to [redacted] and the false information given to me. I was told I should give it an additional five days to receive the funds. I stated for them to withdraw the contract because they did not produce as promised. I expressed the money was to assist with moving and I could have gone to another company. [redacted] called me and tried to persuade me to change my mind it would be there on 1/21/2015, she stated it was in my account which I denied. She verified with my bank I did not have receive the deposit as promised. They refuse to give me my contract so that I can destroy it. I made several references that if they can not produce do not string me along for weeks at a time. It is clear that this business is not a professional organization. I am concerned that the company does not have a license to operate as a CDDT in the state of California; could not locate license.Desired Settlement: I would like to have the loan but by the time this is settled I will have solved my financial issue. I would like for the business to apologize for the inconvenience and have a procedure in place for processing funds for future clients.

Business

Response:

We are in receipt of your email referencing Complaint ID [redacted] ("Complaint"). A copy isattached for reference.We apologize for any inconvenience we have caused Ms. [redacted]. Ms. [redacted] makesreference to her multiple discussions with representatives regarding the delay/miscommunicationrelated to receiving the cash advance funds she had contracted to receive. Ms. [redacted] alsomakes reference to her concern for the personal financial information she has provided duringthe approval process. We acknowledge and agree to these facts as stated, but please understandthat there was never any intent to deceive or provide false information to Ms. [redacted].We at Future Income Payments, LLC ("FIP") attempt to provide outstanding customer service toevery person we deal with. This was obviously not the case with Ms. [redacted], who did notreceive the level of service that we want our customers to receive. In this case, we will reviewthe various communications and call logs at our disposal and use this information to providefurther training to all our representatives in order to avoid a recurrence of this unfortunatesituation. As to the security of Ms. [redacted]'s personal information, please be assured that wekeep this information strictly confidential and do not share this information with anyone outsideof the Company.Our Company strives to have customers funded as quickly as possible, which can occur withinthree business days from when all the supporting documents are received. This assumes all thedocuments are in good order and there are no items that require further clarification. There is nota contractual stipulation that funding will occur within three business days. Unfortunately, thecase of Ms. [redacted] was one such instance where we were unable to meet our goal, due in partto confusion by us, clarification needed on some documents received, and miscommunication ofthe proper timing of events for her to receive the funds into her bank account.Based on review of current information, it appears Ms. [redacted] was funded on January 20, 2015and should have had access to the funds no later than January 23, 2015. This delay in access tothe funds is due to banking rules and regulations related to ACH transfers and are out of ourcontrol.We sincerely apologize for any inconvenience the delay has caused Ms. [redacted]. We will usethis experience to improve our customer service and procedures in order to hopefully prevent thisfrom happening in the future. Sincerely,[redacted] President

Review: I believe that Future Income Payments engages in predatory lending practices in targeted my elderly mother with Alzheimer's and got to accept a cash advance on her pension. My mother was not competent to make such decisions and they are currently attempting to collect a massive debt against her while she is in Assisted Living and on a fixed income.Desired Settlement: At the time of the loan origination the amount borrowed was $4700. My mother has made payments in the amount of $4300 since the loan origination that were automatically being drawn from her bank account. I would like for the debt to settled based on the amount she has paid and that no further action be pursued based on the shameful lending practices.

Business

Response:

We are in receipt of your letter referencing Complaint ID [redacted] (“Complaint”). A copy is attached for reference.Mr. [redacted], on behalf of his mother, Ms. [redacted], makes reference to Ms. [redacted] having a loan with us and that she was not competent to enter into the agreement due to a medical condition. He is requesting that her agreement be settled for the amount repaid to date.Upon review of various communications and call logs at our disposal related to Ms. [redacted], we determined that the original signing of Ms. [redacted]’s contract was executed by her in June of 2013. Further, no matters stand out that Ms. [redacted] was incompetent to uphold her agreement with Future Income Payments, LLC at that time. We also noted numerous phone communications where Ms. [redacted] agreed and confirmed her acknowledgement of the contract and her past due payments, provided her contact information, personal information, banking information and authorization to debit her banking account in our attempt to collect her past due amounts. It is not until recently that we were informed by Mr. [redacted] that he has POA regarding matters involving Ms. [redacted] due to her medical condition.We empathize with Mr. [redacted] and wish to resolve any continued misunderstandings as to the agreement his mother entered into. We would appreciate Mr. [redacted] letting us know if he wouldlike us to refer this matter to our legal counsel for further follow up in reaching an equitable solution.Sincerely,[redacted], [redacted]

They were very helpful to me. I would recommend to any veteran that need help with financial troubles.

Great service fast approval rates easy documentation

I want to thank these guys for helping me out. When everything else had failed I found this company and they was the only ones to help me in my time of need. I would refer someone to this company if the found themselves in a tight spot and needed money fast

My experience with this company was very professional. Everyone that I communicated with was extremely courteous and willing to provide information. The process was lengthy and somewhat over taxing, but the end result was worth it!

This company was going to lend me $2,300 dollars in exchange for me to pay it back @ $297.00 a month for 5 years. I think that might be over kill on their part. Payback would have been $17,820.00

We recieved a loan from this company for $3,700 and are expected to pay $310.00 a month for 60 months which will be $18,600.00... We must not of been paying close attention or didn't see the fine print becasue this is highway robbery and we would never recommend the company to anyone... We are looking into a lawyer right now as this company will not return our calls and when they do the person they say we need to talk to is always unavailable...... DO NO BE TEMPTED to use this company...

I receive calls and emails demanding payments?

My payments are directly deposited I never see them ?

Now they are claiming they have changed banks again. I try to reply to their emails them but my emails are returned ?

Even went to their website with same results. How do I know I'm not being scammed ? Just change account numbers , this is not the first time.

I have requested my original contract be sent to me multiple times I've never been acknowledged!

I am threatened with attorneys , I will be calling mine if I don't get my contract and valid email address. I will gladly change accounts once I'm comfortable it is safe.

There is something very strange here beware!