Future Income Payments

VIA EMAILFebruary 25, 2015Ms [redacted] **Viewridge Avenue, Suite 200San Diego, CA 123-1688Re: Complaint ID [redacted] *** [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 receiveWe acknowledge andagree to these facts as stated, but please understand that there was never any intent to mislead orprovide information to Mr [redacted] .We at Future Income Payments, LLC ("FIP") attempt to provide outstanding customer service toevery person we deal withThis was obviously not the case with Mr [redacted] , who did notreceive the level of service that we want for our customersIn 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 receivedThis assumes all thedocuments are in good order and there are no items that require further clarificationThere is nota contractual stipulation that funding will occur within three business daysUnfortunately, 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,and received access to the funds at his bank on February 17,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

As of right now I have no complaints with the companyThey have been totally upfront and helpful to meI was in need of financial aid and they were able to assist

We apologize for any inconvenience we have caused Mr [redacted] Mr [redacted] makesreference to his multiple discussions with representatives regarding the information he needed toprovide to have his application approved and the sometimes conflicting nature of these requests.Mr [redacted] makes further reference that although we advertise that we can have people fundedin as little as three business days, his funding has been delayed several timesWe acknowledgeand agree to these facts as stated, but please understand that there was never any intent to deceiveor misrepresent ourselves to Mr [redacted] .We at Future Income Payments, LLC ("FIP") attempt to provide outstanding customer service toevery person we deal withThis was obviously not the case with Mr [redacted] , who did notreceive the level of service that we want our customers to receiveIn 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.Our Company strives to have customers funded as quickly as possible, which can occur withinthree business days from when all the supporting documents are receivedThis assumes all thedocuments are in good order and there are no items that require further clarificationThere is nota contractual stipulation that funding will occur within three business daysUnfortunately, thecase of Mr [redacted] was one such instance where we were unable to meet our goal, due in partto confusion on our part and clarification needed on some documents received.Based on review of current information, it appears Mr [redacted] was funded on January ,and should have had access to the funds no later than January 26, We sincerelyapologize for any inconvenience the delay has caused Mr [redacted] .Sincerely, [redacted] *** President

We are in receipt of your letter referencing Complaint ID [redacted] (“Complaint”)A copy is attached for reference.We apologize for the inconvenience we have caused Ms [redacted] Ms [redacted] makes reference to being told by a Future Income Payments, LLC (“FIP”) representative that her banking information had been “lost”Ms [redacted] also states that to months later, payments had been taken out of her wrong banking accountMs [redacted] also states she tried to give a customer service representative her credit card information via email but was informed she had to call us directly to provide the credit card informationMs [redacted] said she informed the customer service representative that she did not want to call and only wanted to communicate via email so she could have a record of all communications with usMs [redacted] claims she had lost her credit card and wanted to provide us with the new information but was told from a customer service representative that she needed to call in to make the payment as our policy had changedMs [redacted] continued to state she was never informed of any policy changeAt this time, Ms [redacted] would like for FIP to use the most recent credit card information she had provided to our customer service representative via email, and that she only wants to conduct business via emailWe acknowledge these statements given by Ms [redacted] and believe there is a misunderstanding regarding our policies and her informationPlease be assured, there was no intent to mislead or provide information to Ms [redacted] during these communications.Upon review of the various communications and call logs at our disposal related to Ms [redacted] , we determined that there have been numerous attempts via phone and email to contact her in order to obtain her payments that are dueAlthough there has been some communication with Ms [redacted] , mostly via email, to date we have not been successful in obtaining any payments on this accountPlease also note that Ms [redacted] ’s bank information has not been “lost” at any timeThis information, provided at the time she signed the contract, has been attempted to be used several times to collect paymentEach time the payment has been rejected due to insufficient funds in the accountWe continue to reach out to Ms [redacted] as the last communication with her was on December 4th, 2015, with no resolution being reached between the two parties.In an effort to maintain customer security and privacy, it has always been our policy to not take customer credit card information and keep it in our files to then charge it on a regular basisThis form of transacting is no longer allowed by several states so it is our policy to not do this at allIn addition, each credit card payment over the phone must be verbally authorized by the customer in order for us to proceed with the chargeThis, again, is a requirement of several states and has become our policyThis information should have been provided to Ms [redacted] when she was discussing making payment via credit card and we apologize if it was notWe will use this experience to improve the training of our representatives so that this does not occur in the future.We would very much like to restart a dialogue with Ms [redacted] and come to an agreement as to payments that she can make and the date which we may obtain those payments each monthOur preferred method of receiving payment is by using the ACH banking method which will automatically draft a customer’s bank account on a certain day each month for a certain amountTo re-start this method of payment, a form must be filled out and signed by Ms [redacted] giving us the authorization to perform the monthly transactionThis can be started by contacting our customer service department at [redacted] That representative will work with Ms [redacted] to get the form filled out and executed so that we can put this in place for future paymentsPlease note that funds must be available in the designated bank account each month for the transaction to processIf funds are not available and the transaction is denied, this method of payment will cease to be offered to the customer.If Ms [redacted] wishes to make payments via a credit card, then she must call in and speak with a customer service representative each time she wants to make a paymentThe representative will work with Ms [redacted] to take her payment over the phone at that time and process the transactionPlease note that a receipt is sent to the customer after each credit card transaction is completed so the customer has a record of the transaction.We sincerely apologize for any confusion that has been caused and look forward to hearing from Ms [redacted] in the near future so that we can resolve this matter.Sincerely, [redacted] ***, President

The customer service reps were very courteous and efficientThey followed up when they said they would and kept me informed of the process and progress all along the wayIf 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 has been one the best loan experience that I have every had People like [redacted] and [redacted] are true professional and should be comment for a great job I will recommend this company to my family and friends

About years ago I borrow I have bad credit and was in a desperate situation and needed the money after I borrowed the morning my payments for a month I later realized then I'm paying is for a total of years that's over $30,pay back on a $3,loan so far I have paid them over I think I'll get an attorney I'm not real sure this is legal

Revdex.com: 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 consider this complaint resolved Regards, [redacted]

June 18, 2015Ms [redacted] Re: Complaint ID [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] makes referenceto finalizing his contract but not receiving the cash advance within the 5-business days quotedby our representativeMr [redacted] also mentions that as of the date of his complaint, he had notreceived the fundsWe acknowledge and agree to these facts as statedPlease be assured, therewas no intent to mislead or provide information to Mr [redacted] .We at Future Income Payments, LLC (''FIP") operate as a financial services company providingthe opportunity for holders of pensions, annuities or other reliable cash flow streams ("Sellers") tosell a portion of those cash flows to interested purchasers of the cash flow streams ("Buyers") at adiscount, in order to receive a lump sum of cashIn the case of Mr [redacted] , it appears that theBuyer funds needed to match to his transaction did not become available within the time frame hewas quoted during the contract processWe will review the various communications and call logsat our disposal and use this information to provide further training to all our representatives inorder to avoid a recurrence of this unfortunate situationWe apologize to Mr [redacted] for notbeing clearer in our communications as to what was causing the delay and to provide him with amore accurate estimate of when his funding would occur.Based on review of current information, Mr [redacted] was funded by our partner on June 10, 2015.Based on this funding date, Mr [redacted] should have had access to the cash advance funds nolater than June 15, This delay in access to the funds is due to banking rules and regulationsrelated to ACH transfers and are out of our control.We sincerely apologize for any inconvenience the delay has caused Mr [redacted] We will usethis experience to improve om customer service and procedures in order to hopefully prevent thisfrom happening in the future.Sincerely, [redacted] ***, President

Future Income Payments LLC VIA EMAILMarch 31, 2015Ms [redacted] Re: Complaint ID [redacted] ***Dear Ms***,We are in receipt of your follow up email referencing Complaint ID [redacted] ("Complaint")Acopy of what you sent to me on March 26th is attached for referenceAlso attached is the actualsecond response from Mr [redacted] sent by Ms [redacted] on March 01hI apologize for my delay inresponding as the second email from Ms [redacted] was lost in my email system.Mr [redacted] makes reference to a discrepancy between the amount he was funded and the contracthe believed was the final contract for his transactionHe also makes reference to the final contractthat agrees to his funded amount as being signed through DocuSignIn reviewing the informationrelated to Mr [redacted] 's transaction, it appears the contract was re-quoted and finalized onFebruary 24, The change was due to certain parameters not meeting our underwritingguidelines to offer the original amount offered to Mr [redacted] These changes required theamount to be funded to be decreased by $500, with a corresponding decrease in the Monthly CashFlow.We use DocuSign, a third party software, which provides a link to documents so they can besecurely reviewed, approved, and electronic signed using a signature of the recipients choosing.Access to these documents is through the recipients email onlyOnce the documents are signedand sent back to us, a confirmation is sent by DocuSign to the person's email address to confirmthe documents have been signed and sentPer review of our records, the revised contract was sent,agreed to and signed by Mr [redacted] on February 24,2105.We sincerely apologize for any inconvenience or confusion we have caused Mr [redacted] I willrequest that our Operations Manager reach out to Mr [redacted] to discuss this matter further anddetermine if there is additional documentation we can provide showing the documentation processthat was followedWe will also use this experience to improve our processes so that we canprevent this from happening in the future.Sincerely, [redacted] ***, President

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

Future income has been positively helpful in securing the funds we needed for debt consolidationThey have been prompt and efficient

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I responded to the letter I got from the company but the money amount they say I owe is not rightI'm waiting for a response back Regards, [redacted]

We apologize for the unpleasant experience and inconvenience we have caused Ms [redacted] .Ms [redacted] makes reference to her being originally approved for a cash advance and then laterbeing deniedShe also makes reference to discussing this matter with several representativesand then having a hard time getting representatives to return her calls after they had indicatedthey would call herWe acknowledge and agree to these facts as stated.We at Future Income Payments, LLC ("FIP") strive to maintain a very positive customerexperience and to provide outstanding customer serviceNevertheless, there are occasionallysituations in which our customers, or potential customers, are not provided the appropriate levelof serviceIn these cases, as is the case with Ms [redacted] 's situation, we will review thevarious communications and call logs at our disposalWe will use this information as a tool totrain and develop all our representatives, as well as to improve our overall processes andproceduresFurther, we will work to improve the cu~tomer experience provided by ourrepresentatives in an effort to avoid a recurrence of this unfortunate situation.Sincerely, [redacted] ***, President

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 FIPMr [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-BHe 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 advanceOn November 12, 2014, FIP was in the process of sending the fundsto Mr [redacted] when he contacted FIP and requested that the contract be cancelledFIP 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 transactionBased 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 recordsAs 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 reportingrequirements in order to hopefully prevent this from happening in the futureWe would also liketo speak with Mr [redacted] if he feels the original contract that was signed was in errorIpersonally 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 thisComplaintWe look forward to reaching a final resolution regarding this matter Sincerely, [redacted] ***, President

We are in receipt of your letter referencing Complaint ID [redacted] (“Complaint”)A copy is attached for reference.We apologize for the inconvenience we have caused Mrs***Mrs [redacted] makes reference to being told her application was approved but there was a waiting period for the funds to be availableShe also states that she contacted Future Income Payments, LLC, several times and was told each time that additional banking information was need to process the applicationMrs [redacted] also adds that she provided the additional information and was approved again but has not received any funds since the initial approval had taken placeAt this time, Mrs [redacted] would like to have her funds deposited into her banking account as soon as possiblePlease be assured, there was no intent to mislead or provide information to Mrs [redacted] during these communications.Upon review of various communications and call logs at our disposal related to Mrs***, we determined that Mrs [redacted] was initially going to be funded by February 24, 2016, with a grace period of two to three business days to clear the bankHowever, we were unable to have the funds sent to her as the routing number provided by Mrs [redacted] was incorrectAt that time, we requested additional banking information to make the funds available and were provided the additional information from Mrs [redacted] on March 4, Once the information was received, we sent Mrs***’s application to be reviewed for a final time and was approved as of March 7, 2016, and funds were initiated the same dayFunds should be available to Mrs [redacted] no later than March 10, 2016, due to banking restrictions imposed by several recipient banks.We empathize with Mrs [redacted] and feel we have this misunderstanding resolvedWe would appreciate Mrs [redacted] letting us know if there are any other unresolved issues we may be able to assist her with.Sincerely, [redacted] ***, President

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

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 FIPMr [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-BHe 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 advanceOn November 12, 2014, FIP was in the process of sending the fundsto Mr [redacted] when he contacted FIP and requested that the contract be cancelledFIP 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 recordsAs 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 reportingrequirements in order to hopefully prevent this from happening in the futureWe would also liketo speak with Mr [redacted] if he feels the original contract that was signed was in errorIpersonally 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 thisComplaintWe look forward to reaching a final resolution regarding this matterSincerely, [redacted] ***, President

April 14,2015Ms [redacted] Re: Complaint ID [redacted] [redacted] [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] makes referenceto finalizing his contract but not receiving the cash advance within the 5-business days quotedby our representativeMr [redacted] also refers to a revised timeline for funding not being met andas ofthe date of his complaint, he had noreceived the fundsWe acknowledge and agree to thesefacts as statedPlease be assured, there was no intent to mislead or provide information toMr [redacted] .We at Future lncome Payments, LLC ("FIP") operate as a financial services company providingthe opportunity for holders of pensions, annuities or other reliable cash flow streams ("Sellers") tosell a pmiion of those cash flows to interested purchasers of the cash flow streams ("Buyers") at adiscount, in order to receive a lump sum of cashIn the case of Mr [redacted] , it appears that theBuyer funds needed to match to his transaction did not become available within the time frame hewas quoted during the contract processWe will review the various communications and call logsat our disposal and use this information to provide further training to all om representatives inorder to avoid a recun ence of this unfortunate situationWe apologize to Mr [redacted] for notbeing clearer in our communications as to what was causing the delay and to provide him with amore accurate estimate of when his funding would occur.Based on review of current information, it appears Mr [redacted] worked with a representative tochange his contract terms such that it was able to be matched with available Buyer fundsOncethis was completed, Mr [redacted] was funded by our partner on April 8, Based on thisfunding date, Mr [redacted] should have had access to the cash advance funds no later than April13,This delay in access to the funds is due to banking rules and regulations related to ACHtransfers and are out of our control.We sincerely apologize for any inconvenience the delay has caused Mr [redacted] V./e will use thjsexperience to improve our customer service and procedures in order to hopefully prevent this fromhappening in the future.Sincerely, [redacted] ***,

I feel future payments are a very reliable and resourceful cash advance companyThey are assisting me with cash advance to help me get all of my bills in order and to make only one payment versus fiveThey are making it easy and with very friendly service for me to obtain this cash advanceIt is much more reliable a cash advance payday loan, and more trustworthy