Future Income Payments

Review: This company has been calling me for months, multiple times a day trying to get me to apply for a loan with them. I finally broke down and decided to do it as I have fallen on hard times. On December 17, 2015 I completed all my paperwork, contracts, etc with them. Everyone was extremely professional and nice and always followed up with me during this process. I was then told I had been approved and the funds would be available within 2-3 business days. Well, after 2-3 business days, nothing had been deposited into my account. I called them to see what was going on and I was then told to give it a few more days and the funds would be there, but no one could give me an exact date. I then spoke with a gentlemen that basically told me they didn't know when the funds would be deposited but "someone would call me when the funds have been deposited" He also basically called me a liar and said that none of the representatives would have told me 2-3 business days and maybe I got confused because the company is supposed to call every 2-3 business days which still never happened even if that was the case. We are now on the 8th business day and this company has not contacted me once to give me any kind of update. I'm extremely disappointed, everyone was so nice and helpful with following up during the whole application process but once I completed all of my paperwork I never heard back from them. It's extremely clear this company doesn't train their employees properly as every single person gives you a different story/excuse. .Desired Settlement: Deposit funds into account within a timely manner as agreed on in the beginning.

Business

Response:

January 21, 2016Ms. [redacted]

[redacted]Re: Complaint ID [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 the inconvenience we have caused Ms. [redacted]. Ms. [redacted] makes reference to her funds not being deposited into her banking account as she was told would take 2-3 business days to be approved and deposited. Ms. [redacted] also states that she was not contacted by our customer service for updates as promised. Please be assured, there was no intent to mislead or provide false information to Ms. [redacted] during these communications.Upon review of various communications and call logs at our disposal related to Ms. [redacted], we determined that a few phone conversations had taken place and Ms. [redacted] was advised that there is a wait period for funds to be available, but was advised that there was no specific date as to when the funds would be deposited.At this time, Ms. [redacted]’s funds were deposited and made available into her banking account as of December 29", 2015.We apologize to Ms. [redacted] and feel we have this misunderstanding resolved and in good standing. We would appreciate Ms. [redacted] letting us know if there are any other questions or concerns that we may be able to assist her with.Sincerely[redacted], President

Review: aaaaFuteure IncomePayments receivedpayment for my account whith my checking account.There is a problem they can not get the payment.They Want a Money Order . Iwould like to know The reason.Desired Settlement: Payment From My Checking Account

Business

Response:

Dear Ms. [redacted],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 about her payment not being debited from her checking account and that we requested a money order and she would like to know why. We acknowledge and agree to these facts as stated. Please be assured, there was no intent to mislead or provide false information to Ms. [redacted].Upon review of various communications and call logs at our disposal related to Ms. [redacted], we determined that there had been several phone conversations advising Ms. [redacted] that we were currently unable to use ACH as an electronic payment method and that we would need a credit card / debit card to process her payment, which was agreed upon by Ms. [redacted].Additional notations state that on a later phone conversation, Ms. [redacted] advised she did not own a credit card / debit card; we then discussed alternative payment methods including a money order, wire transfer or check would be acceptable. To date, we do not show any payments have been received from Ms. [redacted], since our ACH payment method became unavailable.We have recently restarted our ability to take payments via ACH. We will request that a customer service representative reach out to Ms. [redacted] and arrange for payments to be initiated via this electronic payment method. Sincerely, [redacted], President

They have good customer service I would recommend this place 100%

I like to say that Future Income Payments LLC is very quick and very helpful in my application process. There promptness, courtesy and professionalism was refreshing to see as a customer. Excellent customer service can be far and few but the people at Future Payments LLC that was involve in my application process is an example of what excellent customer service s all about. There ability to keep me updated and informed during my application process was OUTSTANDING. People like Mr. [redacted], Mrs. Mars, and Mrs. [redacted] were terrific in there efforts to complete my application process in timely manner. I only wish more business that I have dealt with are of this professional caliber and excellence. Thanks again and keep up the outstanding work, your diligence is greatly appreciated.

Sincerely,

Chung [redacted]

My overall experience from start clear through the present time has been a good one. I really like the fact that when I call I actually have the pleasure of being able to speak to a true to live human being, not like most of the businesses, rather big or small, have chosen to do. I am able to be assisted with professionalism and my questions are answered in a timely manner. Good job guys and thank you for your time and courtesy. Keep up the good work!!!

Review: Failure to pay money. I signed a contract to sell some of my pension. They told me that I would receive the money within 5 to 10 business days. I have not received it as this day.Desired Settlement: Deposit of my money tomorrow!

Business

Response:

Ms. [redacted]

[redacted] Re: Complaint ID [redacted] [redacted] [redacted] [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 Ms. [redacted]. Ms. [redacted] makes reference to herfinalizing her contract but not receiving the cash advance within the 5-l 0 business days quoted byour representative. We acknowledge and agree to these facts as stated.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 cash. In the case of Ms. [redacted], it appears that the Buyerfunds to match to her transaction did not become available within the time frame she was quotedduring the contract process. We will review the various commtmications and call logs at ourdisposal and use this information to provide further training to all our representatives in order toavoid a recurrence of this unfortunate situation. We apologize to Ms. [redacted] for not being clearerin our communications as to what was causing the delay and when her funding would occur.Based on review of current information, it appears Ms. [redacted] was funded by our prutner on April3, 2015. Based on this funding date, Ms. [redacted] should have access to the cash advance funds nolater than today, April 8, 2015. This delay in access to the funds is due to banking rules andregulations related to ACH transfers and are out of our control.We sincerely apologize for any inconvenience the delay has caused Ms. [redacted]. We will use thisexperience to improve our customer service and procedures in order to hopefully prevent this fromhappening in the future.Sincerely,[redacted], President

Review: We were approved for a loan on Aug 12th, 2014 and were told that it would be deposited in 7-10 business days never received a payment. Then we were told that it would be another 15 days and still didn't receive any money. Then we get a call saying that we need to do a new contract and that they were lowering their initial loan amount by $2000! Signed that contact and once again were told to wait another 7-10 business days well it has been another 10 days and still no funding! We have called and talked to supervisors and managers and they do nothing but give you the run around and and make up excuses. This is getting ridiculous! I obviously wouldn't have taken out a loan if I didn't need the money and I have been waiting for so long that I'm beginning to wonder about the validity of this company. Can someone please tell me what's going on!?Desired Settlement: I would like the funds deposited asap so I can take care of the things I've needed to take care of with this money long ago and for this company to quit lying to their clients.

Business

Response:

September 19, 2014

Ms. [redacted]

4747 Viewridge Avenue, Suite 200

San Diego, CA 92123-1688

Re: Complaint ID 10213129

[redacted] Dr.

[redacted], IA [redacted]

Dear Ms. [redacted],

We are in receipt of your email referencing Complaint ID 10213129 ("Complaint"). A copy is attached for reference.

We apologize for any inconvenience we may have caused Ms. [redacted]. Ms. [redacted] makes reference to her discussions with representatives and supervisors regarding her funding not being

processed within seven to ten business days from the date her application was approved. Ms. [redacted] makes further reference that after the contract had been rewritten and approved she still did not receive her funding within seven to ten business days.

We acknowledge that Ms. [redacted] had several conversations with representatives and supervisors regarding the fact that she had not received her funding within ten business days from the date her application was approved. We also acknowledge that after her contract had been rewritten and approved she still did not receive her funding within ten business days.

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 Ms. [redacted] was one such instance of us not being able to meet our

goal.

Based on review of current information, it appears Ms. [redacted] was funded on September 12, 2014 and should have had access to the fimds no later than September 17, 2014. We sincerely apologize for any inconvenience the delay has caused Ms. [redacted].

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

Sincerely,

[redacted], President

I WAS REALLY PLEASE THE WAY THEY HANDLE MY SITUATION, I WILL RECOMMEND THEM TO ANYBODY.

I was very pleased with the help that I received from this company, in doing so I will be able to get some bills paid and off my hands.

Excellent and speedy service, very friendly and professional.

Good customer service. Agents very knowledgeable and helpful. I like the quick service.

Before you sell do the math on what you pay back and ask yourself is that fair at over 500 percent your locking in a long-term contract. This company needs Government regulation and they will not answer any phone calks not recommended class action lawsuit needed.

I THINK THIS IS A VERY GOOD START TO GETTING MY BUSINESS IN ORDER

Excellent experience

Review: The Website and the current emails being sent by Customer Service state that this company will:"To give you more details about the program, Pension, Annuities and Settlements- our company, provides lump sum cash advance for people who are receiving monthly pension payments with a minimum amount of $250.00 and $1500.00 monthly income. "Once I filled out the forms and gathered all of the documentation to email back to them I received this message from them:"Thanbk you for the interest, unfortunately the minimum requirement of the pension must be at least $315 to qualify. Your Unisys Corp. is not sufficient to cover the minimum payment for 5 years which is $315 monthly. "They Changed their stated and advertised minimum amount that they say they will deal with. I wasted over 2 hours dealing with their form and scanning in the required documents to send. If they would be truthful in what they deal with I would not have lost time on them and found a company that could handle my pension request.Desired Settlement: I would like this company to honor their advertised minimum amount and provide me the loan that is promised.ANDI just want to warn people about companies that bate and switch at the last moment or change what they advertise based on what the rest of an application states, though I do not know if that was the case here. If they are an internet company, then they better change their online information when they make the change and also change their canned email responses to reflect the changes

Business

Response:

November 19,2014

Ms. [redacted]

4747 Viewridge Avenue, Suite 200

San Diego, CA 92123-1688

Re: Complaint ID [redacted]

[redacted] W [redacted] Rd

[redacted], CA [redacted]

Dear Ms. [redacted],

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

attached for reference.

Mr. [redacted] makes reference to our online advertising stating a minimum amount of pension

income of $250.00 and monthly income of $1,500.00 are needed to be considered for a cash

advance. He also states that after he completed the online application he received a message

back that his pension amount was not adequate to qualify as it needed to be at least $315.00 to

qualify. We acknowledge and agree to these facts as stated.

We sincerely apologize for any inconvenience we may have caused Mr. [redacted]. Our policy

had recently changed to increase the amount of minimum monthly pension income required to

qualify for a cash advance but our advertising had not been updated. This was an oversight on

our part and we have since updated our online advertising to represent the new requirements in

an effort to avoid a recurrence of this unfortunate situation.

In addition, Mr. [redacted] has requested that we honor the advertised minimum amount he

viewed in the advertising and provide him a cash advance. As a result of our mistake, we have

attempted to reach Mr. [redacted] for the past week in order to discuss a cash advance that we can

offer based on the pension level he has available. As of this writing, Mr. [redacted] has not returned our

calls/messages to discuss this matter further. We will keep his information on file through November 30, 2014

if he wishes to contact us and discuss terms for a cash advance.

Again, we apologize to Mr. [redacted] for our substandard performance and we will work to

improve the customer experience in an effort to avoid any recurrence of this unfortunate

situation.

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.

Regards,

Was told that my funds would be deposited Friday and it's already Monday afternoon

Future Income Payments were great all of the associates I had contact with were very helpful and polite. They really seemed concerned and wanted to help me get my cash advance as much as I wanted it. Now I will be able to pay off debts and help my daughter.

The people I dealt with were professional and provided good feed back through each step of the process. It went very quickly.

I AM VERY HAPPY WITH THE SERVICE! !!