Future Income Payments

I roy [redacted] am very pleased with Future lumpsum settle on how professional they have been in helping me secure a cash advance to inhep me get ahead on some needed improvements around my home.

This company is very reliable and very friendly oriented.

Great place to do business with fast and easy for anybody looking to do a cash advance to help pay for those unforseen expenses

Review: I entered into a contract with this company and was told at first I would get my funding in 24 to 48 hours after everything was processed which was Feb 2 2015 then on Feb 3rd 2015 I was told by a person named [redacted] That he had sent it to funding and that I would see the money in my account within 3 to 5 days which would have been Feb 9th 2015. still no money on Feb 10th I was told my a person named [redacted] that actually it takes 5 to 7 days which would have been yesterday Feb 10th 2015 He said it should be in my account today Feb 11th 2015. The money is still not in my account and in 18 days they are already going to start taking payments from my account. This has caused some hardships for my wife and I as we were counting on that money to catch up some bills which we had to make arrangements with our mortgage company cause we had to use that money for another big expense. I tried to email them and get no response. Also I was told by all the people who I have dealt with if I had and questions to contact them personally and when I try I get no response from them. Also on Feb 9th 2015 I was told 2 times some one would call me back that day with an update and no one did. I am glad there is a company like this out there for some of us who for reasons can't get the money any other way.But it would have been nice to know right from the beginning how long it was actually going to take an I may have been able to take steps to do something else. Just felt like people said what they had to to get the business and contract signedDesired Settlement: To get funded cause I have no other choice now. And in the future I would hope they would train all their staff and put into place a policy so everyone uses the same time frame throughout the whole process so people don't feel misled.

Business

Response:

VIA EMAILFebruary 25, 2015Ms. [redacted]4747 Viewridge Avenue, Suite 200San Diego, CA 92 123-1688Re: Complaint ID [redacted], [redacted]Dear Ms. **,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 Mr. [redacted]. Mr. [redacted] makesreference to his multiple discussions with representatives regarding the delay/miscommunicationrelated to receiving the cash advance funds he had contracted to receive. We acknowledge andagree to these facts as stated, but please understand that there was never any intent to mislead orprovide false information to Mr. [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 Mr. [redacted], who did notreceive the level of service that we want for our customers. In this case, we will review thevarious communications and call logs at our disposal and use this information to provide furthertraining to all our representatives in order to avoid a recurrence of this unfortunate situation.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 Mr. [redacted] was one such instance where we were unable to meet our goal, due in partto confusion by us, availability of matching funds, and miscommunication of the proper timingof events.Based on review of current information, it appears Mr. [redacted] was funded by our partner onFebruary 12,2015 and received access to the funds at his bank on February 17,2015. This delayin access to the funds is due to banking rules and regulations related to ACH transfers and are outof our control.We sincerely apologize for any inconvenience the delay has caused Mr. [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

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. I do appreciate the fact they responded and the fact I did get funded. I would like to point out and thank [redacted] for his concern in resolving this issue and checking on it for me.

Regards,

Everyone with Future Income Payments was very helpful and nice to me..during my process in getting my cash advance.

Cash advance company has had excellent customer service throughout the whole process. Would recommend. Quick servic E and communication on point.

The whole workforce very helpful from beginning to end of the process. The process smooth flowing to the end. Best wishes to everyone.

Review: I contact this company about a Pension Loan and they ran my credit (which I told them was not good) but they said that did not matter. When [redacted] came back on the phone she said Congratulations you quality for the pension funding and you are in Catorary A which is great. She told me to send in Copy of award letter for pension also copy of my Social Security award letter, pay stubs, and etc which I did. Then I got a call from [redacted] and she said she would be contacting our bank and my husbands Pension office on a 3 way conference call to veriify his pension amount whick she did. She also said I needed to send in page 11 of part of the contract and it stated we were selling his pension which that is not the case so I told her I could not send it in until I had full contract stating how much money we were getting and how much the payment was and she said ok. She said the funding depart. would be sending me by email the full contract, well I never got it, I called & was told we we did not meet the companies guidlines and was turned down. I asked what the guidelines were & how did we not meet them & she said she could not disclose that information. I told her since we were turned down they should let me know why but was told again they do not disclose that. I belevie it was because of the paper I would not send until I had full contract and I think they were trying to pull a fast one over me. I still want them to let me know why we were turned down when we were told at first we quailllified.Desired Settlement: To have the Company call me and if they still refuse the loan to at least let me know the reason and what part of their guidelines we did not meet because online we met their guidlines.

Business

Response:

Dear Ms. [redacted],We are in receipt of your email referencing Complaint ID [redacted] (“Complaint”). A copy is attached for reference.We apologize for the inconvenience we have caused Mr. & Mrs. [redacted]. Mr. & Mrs. [redacted] make reference to originally being approved for a cash advance but then, later in the process, being denied the cash advance. We acknowledge and agree to these facts as stated. They also feel the reason given for the denial was not clearly relayed by our representative and may relate to their request to receive the complete contract prior to signing and returning a requested page of the agreement. Please be assured, there was no intent to mislead or provide false information to Mr. & Mrs. [redacted].Upon review of various communications and call logs at our disposal related to Mr. & Mrs. [redacted], we have determined that the denial of the cash advance was due to an underwriting procedure that is performed prior to sending out a contract for signature. This process requires us to use a third party to determine the health of the applicant’s bank account. Once this procedure was run for the [redacted]’s, it was determined that the results of the test did not meet the criteria to move forward with the application. At that time, our representative should have explained that the decline was a result of this procedure being performed and that the results obtained did not meet the underwriting guidelines. Based on the comments made in this complaint, it appears we did not meet the level of customer service and transparency that we strive for as a company in this instance.We sincerely apologize for any inconvenience we have caused Mr. & Mrs. [redacted]. We will use this experience to provide further training to all our representatives and improve our customer Service and procedures in order to hopefully prevent this from happening in the future.Sincerely, [redacted], [redacted]

I had a very good experience with the representatives of Future Income payments.

I applied for an $8000 loan and they wanted the repayment to be $987.00 for 60 months. That's an APR of around 145%. The total of the payments would have been $59,220. Loan Sharks.

Had a pleasant experience dealing with this business! Both representatives, [redacted] & [redacted], were super nice and explained everything during the whole process. I am supposed to have my funds tomorrow, so I can't yet speak for the funding dept. or their timeliness.

Your business has been very helpful to me. Thanks for your help.

I found future income payments inc. To be very helpful, fast, courteous in the process of my loan.

Review: I have an outstanding payment arrangement with this company. On July 21, 2015 I filed for Chapter 13

bankruptcy. I informed them of this and asked them to discontinue calling or email me, and deal with

the District of [redacted] Bankruptcy court instead. They continue to harass me. They phone calls

and emails are abusive; they are not respecting my rights in bankruptcy; and they cite factually inaccurate

information. For example, they send me a "60 day past due notice" when my account was only 12 days

overdue.Desired Settlement: All their contacts henceforth should be with the bankruptcy court, not with me. They have the

case number; they are violating my rights if they continue to contact me directly.

Business

Response:

Ms. [redacted]Re: Complaint ID [redacted]Dear Ms. [redacted],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 Mr. [redacted]. Mr. [redacted] makesreference to notifying us that he has filed for Chapter 13 Bankruptcy protection and that wecontinue to contact him after we were notified of this filing.Based on review of current information, we were notified via email by Mr. [redacted] on July 29,2015 of his filing for Bankruptcy protection on July 21, 20 15. At that time, we relayed thisinformation to our legal department for verification. We were informed by our legal departmentin the evening of July 30, 20 15, after normal business hours, that Mr. [redacted] had in fact filedfor Chapter 13 Bankruptcy protection and that we needed to cease all forms of communication andattempts to collect from Mr. [redacted]. On July 31, 2015 and August 1, 2015 we added Mr.[redacted] to our Do Not Call list and removed him from future communication lists and collectionmethods in order to prevent further communications and attempts to collect on his past dueamounts.We sincerely apologize for any communications or attempts to collect from Mr. [redacted] duringthe time we were updating our systems. We believe there was overlap between communicationswith Mr. [redacted] by us and our receipt of information from our legal department to cease suchcommunications. We will use this experience to improve our customer service and procedures inorder to hopefully prevent this from happening in the future. Sincerely,[redacted], President

Randy Locke was very helpful and always answered my calls and was quick to return my calls I would recommend this company to many of my friends. All my questioned were answered and replied to.

I have worked with associated [redacted], [redacted], and [redacted] on getting a cash advance. The process was easy and the associates were very professional and efficient. The cash advance will help me get some new furniture which I desperately need. Thank you Future Income payments LLC.

They have been very helpful with my cash advance so far so good

On January 21, 2016 I was provided documents regarding my loan. I was told that it would 3-5 days for the money to placed in my account. I started contacting the agency on January 25 until the 28th each time I was told I was approved and the money would be placed in there by the end of the day. I am not happy with this long wait. When you agree to pay $40,000 for a loan of $6,599 you have to be desperate this was my choice. I have not been able to sleep worrying about foreclosure on my house, lights and water turned off. I feel as though I am being punished or this is a scam; they have all of my information and a signed contract that I would pay the money back which I plan to do whenever I receive it. I am emotionally drained and overwhelm by this experience. I just hope I will actually receive the money.It does not take long to deposit the money. I am sure it will not take long for them to draft it out of my account.

I was extremely skeptical about this funding opportunity that my wife and I desperately needed. We spoke to the advisors, looked over our options which were limited due to our financial needs but we went ahead and filled out all the necessary documents for funding. The date we submitted our application was the 2nd of march 2016, on the morning of the 3rd we received a call from our funding specialist to inform us we were good to go and that our funds would be deposited in 3 to 5 business days.

On the evening of the 3rd I came across the Revdex.com site and found what could be determined as a deep sense of stress since there were a few comments that stated the difficulty in receiving there funds. To our true surprize and amazement the funds were deposited on 7th. Time line from approval to deposit was actually 2 business days since we had a weekend. Amazing and thank you.

For those contemplating yes it is extremely expensive, the company does not hide this reality, so be cautious, but again if you are reading this than you are probably in the same financial situation as my wife and I are.

Overall EXCELLENT in all regards.

Paul

I was pleased with the personnel who handled my request. The personnel was professional, courteous, clear & concise. They made sure that I understood every aspect of the process. I appreciated all the assistance I received.