Future Income Payments

the agent was very courteous helpful and patient in helping me with the application process also the telephone person were the same alsoj

Yes I barowed dollars when I figured it out I'm paying back my name is David [redacted] Address is [redacted]

November 19, Ms [redacted] Viewridge Avenue, Suite San Diego, CA 92123- Re: Complaint ID [redacted] W [redacted] Rd [redacted] , CA [redacted] Dear Ms***, 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 $and monthly income of $1,are needed to be considered for a cash advanceHe 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 $to qualifyWe 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 updatedThis 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 advanceAs 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 availableAs of this writing, Mr [redacted] has not returned our calls/messages to discuss this matter furtherWe will keep his information on file through November 30, 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

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 not receiving her funds or given a timeline of when the funds would be made available, when she inquired with our customer service representativesMrs [redacted] also states that on March 31st, 2016, she had “E-Signed” the necessary documents to receive the funds, and faxed it back to our representative as requestedAt this point, Mrs [redacted] states that she had submitted several emails asking when the funds would be available, but has not received a response nor a phone call as of yetWe acknowledge these statements given by Mrs [redacted] and please be assured, there was no intent to mislead Mrs***.Upon review of the communications and call logs at our disposal related to Mrs***, we determined that all the necessary documents were received on March 31st, 2016, and we are now in review of processing the funds to Mrs***We have also submitted the request for review to be expedited at this timeMeanwhile, we are having Mrs***’s representative contact her every business days to keep Mrs [redacted] up-to-date as to when the funds will be available and to keep her at ease.As of April 12th, 2016, Mrs***'s funds were deposited into her banking account as verified by our Funding Department, and we feel we have resolved the issueWe would appreciateMrs [redacted] letting us know if there are any other unresolved issues we may be able to assist her with.Sincerely, [redacted] ***, President

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

They have been timely and accurate with the handle of information this far

We apologize for the inconvenience we have caused Mr [redacted] Mr [redacted] makes reference to his funds not being deposited into his banking account as promised within to business daysMr [redacted] also states that he had spoken to two specific persons over the course of a few days, and that each person claimed they would provide the accounting department with a priority request to have the funds deposited into Mr [redacted] ’s banking accountMr [redacted] also states that he was advised he would not be able to speak to the accounting department as they only receive e-mail correspondence and do not accept phone callsMr [redacted] feels he was getting the “run-around” from our customer service representatives and communication was difficult at bestWe acknowledge these statements given by Mr [redacted] and believe there is a misunderstanding of the timeframe of when funds would be deposited and availablePlease be assured, there was no intent to mislead or provide information to Mr [redacted] during these communicationsUpon review of various communications and call logs at our disposal related to Mr [redacted] , we determined that there had been several phone conversations spanning from December 14th, to December 23, 2015, but there was no indication during these discussions regarding a to business day turnaround in receiving the fundsMr [redacted] had been informed that there would be a wait period for any update as to when the funds would be available, and was advised of this information on more than one occasion over the course of all communications that had taken placeAt this time as confirmed by our Funding Department, Mr [redacted] was included in the December 30th, funding’s to our SellersWe empathize with Mr [redacted] and feel we have this misunderstanding resolvedWe would appreciate Mr [redacted] letting us know if there are any other unresolved issues we may be able to assist him withSincerely, [redacted] ***, President

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 just learn there is not irest rate on this loan that send your company papers on itSo they make rules as they goThe loan was for $2,and the return on payment was 10,to pay off the loan and or payable $21,is there loan for this or whatI need to find out.In Maryland rate on our loans.So is this how you do business in Cal or what Regards, [redacted] ***

Thank you very much for the assistance I received very much satisfiedwith everyone who was involed in assisting me

Ms [redacted] Re: Complaint ID [redacted] Dear Ms***, We are in receipt of your email referencing Complaint ID [redacted] ("Complaint")A copy isattached for referenceWe apologize for any inconvenience we have caused Mr [redacted] Mr [redacted] makesreference to notifying us that he has filed for Chapter Bankruptcy protection and that wecontinue to contact him after we were notified of this filingBased on review of current information, we were notified via email by Mr [redacted] on July 29,of his filing for Bankruptcy protection on July 21, At that time, we relayed thisinformation to our legal department for verificationWe were informed by our legal departmentin the evening of July 30, 15, after business hours, that Mr [redacted] had in fact filedfor Chapter Bankruptcy protection and that we needed to cease all forms of communication andattempts to collect from Mr [redacted] On July 31, and August 1, 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 dueamountsWe sincerely apologize for any communications or attempts to collect from Mr [redacted] duringthe time we were updating our systemsWe believe there was overlap between communicationswith Mr [redacted] by us and our receipt of information from our legal department to cease suchcommunicationsWe will use this experience to improve our customer service and procedures inorder to hopefully prevent this from happening in the future Sincerely, [redacted] ***, President

We are in receipt of your letter referencing Complaint ID [redacted] (“Complaint”)A copy is attached for referenceWe 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 communicationsUpon 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 partiesIn 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 futureWe 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 customerIf 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 transactionWe 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 matterSincerely, [redacted] ***, President

Dear Ms***,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 whyWe acknowledge and agree to these facts as statedPlease be assured, there was no intent to mislead or provide 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 acceptableTo 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 ACHWe will request that a customer service representative reach out to Ms [redacted] and arrange for payments to be initiated via this electronic payment methodSincerely, [redacted] ***, President

I receive calls and emails demanding payments? My payments are directly deposited I never see them ? Now they are claiming they have changed banks againI try to reply to their emails them but my emails are returned ? Even went to their website with same resultsHow 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 addressI will gladly change accounts once I'm comfortable it is safe There is something very strange here beware!

We recieved a loan from this company for $3,and are expected to pay $a month for months which will be $18,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 anyoneWe 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 unavailableDO NO BE TEMPTED to use this company

Great customer service friendly and efficientAnd already recommended you to three other veterans I know

Future Income Payments LLC VIA EMAIL March 31, Ms [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 systemMr [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 CashFlowWe 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,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 futureSincerely, [redacted] ***, President

I was extremely skeptical about this funding opportunity that my wife and I desperately neededWe 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 to 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 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

April 20, 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 5-1 0 business days quotedby our representative. Mr. [redacted] also refers to a revised timeline for funding not being met andas ofthe date of his complaint, he had not received the funds. We acknowledge and agree to thesefacts as stated. Please be assured, there was no intent to mislead or provide false information toMr. [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 cash. In 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 process. We 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 situation. We 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 April 7, 201 5.Based on this funding date, Mr. [redacted] should have had access to the cash advance funds no laterthan April 10, 2015. 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 use thisexperience to improve our customer service artd procedures in order to hopefully prevent this fromhappening in the future.Sincerely, [redacted] ***, President

On April 10, 2016, my mother lost her father and her cousin on the same dayDuring this hard time, my family realized they can't afford two separate funeralsSo, they decided to have them togetherBut, in order to do this, they will have to come up with $or their bodies will be crematedWhich, my mother refuses to do to her father
On April 13, 2016, my mother officially sold her pension to Future Income Payments for $She was matched on April 14, During the whole process, she was informed by three different individuals that she should be funded within 5-days from being matchedPrior to this, she had read the terrible reviews about this companyBut, she still gave them the benefit of the doubt
It is now April 23, (over 5-days) and she still has not been fundedShe has contacted the funding department more than once to hopefully speed up the processBut, they keep giving her the same bs timeframe
Due to this company's inaccurate and slow process, my mother has fallen into depression cause she may not be able to bury her fatherThe funeral home informed her that, they won't be able to hold the bodies too much longerAs a daughter, it breaks my heart to see my mother go through thisWe know there are MUCH more better companies aroundBut, when you're in a desperate situation, you end up dealing with companies like this one

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
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