Future Income Payments

Re: Complaint ID *** *** *** *** *** *** ***, ** ***Dear Mr***.We are in receipt of your letter referencing Complaint ID *** (“Complaint)A copy is attached for reference.We apologize for the confusion we have caused Mr***Mr*** makes references in
his complaint that the pay-off amount is too highAt this time, Mr*** would like to discuss a settlement with our customer servicePlease be assured, there was no intent to mislead or provide information to Mr*** at any time during the initial process or while the agreement has been in place.Section of the agreement the Seller executed is entitled “Purchase Price Less Than Value of Pension Payments: Fair Consideration.” and explicitly states that “the Purchase Price is significantly less than the value the Seller would receive during the Term if the Seller chose not to sell the Purchased Asset under the terms of this AgreementThis section goes on to state “After careful consideration, Seller has determined that the Purchase Price is fair consideration for the sale of the Purchased Asset and that Seller wishes to sell the Purchased Asset pursuant to the terms of this Agreement.”Based on our review of Mr***'s file, Mr*** has previously discussed a settlement offer, but has not reached a settlement.We sincerely apologize for any confusion that has been caused and look forward to hearing from Mr*** in the near future so that we can amicably resolve this issue with him.Sincerely,*** ***, President

We apologize for the unpleasant experience and inconvenience we have caused Ms***.Ms* *** makes reference to her being told during her original call with us that we would notneed to contact her Pension CompanyShe was later informed at the next phase of the approvalprocess
that we did need to contact her Pension CompanyMs* *** was also told by aSupervisor that we would waive the setup fee, however, this fee had already been waived by aprevious representativeWe acknowledge and agree to these facts as stated, but pleaseunderstand there was no intent to mislead or provide mis-information to Ms***.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* ***' s situation, we will review the variouscommunications and call logs at our disposalIt was the call logs that, in fact, support Ms.* ***' s claimWe will use this information as a tool to train and develop all ourrepresentatives, as well as to improve our overall processes and proceduresFurther, we willwork to improve the customer experience provided by our representatives in an effort to avoid arecurrence of this unfortunate situationWe would also point out that we have a complaint rate of less than ~ of 1% on completedtransactions, which would be even lower if all potential customers were includedOur Companypolicy does not provide for compensation to potential customers that we are unable to complete atransaction withSincerely,
*** ***, President

January 21,
5pt;">Ms*** *** *** *** *** *** ***
*** *** ** ***
Re: Complaint ID ***
*** ** ***
*** *** *** *** *** ***
*** *** ** ***
Dear Ms***,
We are in receipt of your letter referencing Complaint ID *** (“Complaint”)A copy is attached for referenceWe apologize for the inconvenience we have caused Ms***Ms*** makes reference to her funds not being deposited into her banking account as she was told would take 2-business days to be approved and depositedMs*** also states that she was not contacted by our customer service for updates as promisedPlease be assured, there was no intent to mislead or provide information to Ms*** during these communicationsUpon review of various communications and call logs at our disposal related to Ms***, we determined that a few phone conversations had taken place and Ms*** 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 depositedAt this time, Ms***’s funds were deposited and made available into her banking account as of December 29", We apologize to Ms*** and feel we have this misunderstanding resolved and in good standingWe would appreciate Ms*** letting us know if there are any other questions or concerns that we may be able to assist her withSincerely
*** ***, President

VIA EMAILMarch 10, 2015Ms*** *** *** *** *** ***
*** *** ** ***Re: Complaint ID *** *** ***
*** *** *** *** ** ***Dear Ms**,We are in receipt of your email referencing Complaint ID *** ("Complaint")A copy isattached for reference.We
apologize for any inconvenience we have caused Mr***Mr*** makesreference to his discussions with several representatives regarding the delay/miscommunicationrelated to finalizing the contract and receiving the cash advance fundsWe acknowledge andagree to these facts as statedPlease know that there was never any intent to mislead or provideinformation to Mr***.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***, 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 om 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 clarificationIn Mr.***'s case, it appears there were several changes made to the agreement before it could befinalizedOnce these changes were rectified and funds became available, we were able tocomplete the transaction with Mr***We apologize to Mr*** for not being clearerin our communications as to what was causing the delay and when his funding would occur.Based on review of current information, it appears Mr*** was funded by our partner onMarch 5, Based on this funding date, Mr*** should have access to the cashadvance funds no later than today, March 10, This delay in access to the funds is due tobanking rules and regulations related to ACH transfers and are out of our control.We sincerely apologize for any inconvenience the delay has caused Mr***We will usethis experience to improve our customer service and procedures in order to hopefully prevent thisfrom happening in the future.Sincerely,*** ***, President

Mr*** makes references in his complaint that he previously discussed a settlement agreement with our legal counsel, but that he was unable to finalize the settlementPer our legal counsel, we are waiting to hear back from Mr***, or his hired attorney, in order to reach an amicable settlement.We look forward to hearing from Mr*** so that this matter may get resolved.Sincerely,*** ***

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[I was offered $for a repayment of $25000+ I Have been and am constantly harassedWhen I tried to contact the company before the name change, the contact information was unattainable, for the Google search clearly referenced the prior name as a scami used to receive different numbers contact me about the former named companythe only difference now is the name and I'm being harassed and threatened by one primary person and one number even after I've made payments.]
Regards,
*** ***

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 resolvedI am happy to see that this place of business acknowledges the misinformation given to me, and that they will strive to make sure no one else suffers as a result of receiving the same poor customer service as I have
Sincerely,
*** ***

The process took way too long That and the interest rate is way to high considering the loan goes against my retirement You need to expand your hours to better accommodate your clients Also consider that we are struggling and should consider that when determining what interest rate to charge

all persons that I dealt with at lump sum settlement where outstanding in their service and very patience with me and my computer knowledge

Great experienceI would recommend anyone to use*** and *** were very helpful!

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

We apologize for the unpleasant experience and inconvenience we have caused Ms***.Ms*** 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***'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 situationSincerely,
*** ***, President

April 7, 2017Mr*** ***, Viewridge Avenue, Suite San Diego, CA 123-1688Re: Complaint ID *** *** A*** 1** *** *** ***, ** ***Dear Mr***.We are in receipt of your follow up letter referencing Complaint ID *** ('Complaint)A copy is attached for reference.We apologize for the confusion we have caused Ms***Ms***'s additional response makes a reference in her complaint that our customer service representative did not provide a fair settlement offerPlease be assured, there was no intent to mislead or provide information to Ms*** at any time during the initial process or while the agreement has been in place.Per review of Ms***'s file, our customer service representative continues to make attempts to contact Ms***As of this writing, our representatives have left messages but have not received a callback from Ms***In addition, a letter has been sent to Ms*** asking her to contact our customer service representative to discuss this matter furtherWe welcome the opportunity to work out an arrangement with Ms*** and would appreciate her calling us at 1800-236-96.88, extension ()0**, at her earliest convenience.We sincerely apologize for any confusion that has been caused and look forward to hearing from Ms*** if there are remaining issues to be resolved

As of the sending of this email I have had no complaints with this serviceI am a Division Commander over different VFW's in South Carolina alsoIf my ACH deposit goes thru as easily as the Processing has, I will gladly tell every Veteran that if they need funds they should go thru "Future Income, LLC"
Respectfully
Tom ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
My response to the business is , first they ask for my social security number over the phone ,I will not help them with any of this fraud activity No one gives their personal information over the phone not knowing who they are talking with The N.JDivof Pensions and Benefits have no record of a contract to give my benefits to this company nor does my financial institution show any money deposited in my accounts from this business And as far as generating a police report , their was no need to do that as I am a retired Law Enforcement Officer with years of experience .As , I stated prior ,I will not give my personal information to anyone over the phone it would not be beneficial any prudent person If they have enough information to call me then they should have what they need to include documentation from the N.J Divof Pensions and Benefits indicating I sold my benefits to this company for a financial deposit in the amount of :$ I'll waiting to see the documents that they have showing deposits Thank you in advance
Regards,*** ***

November 13,
*** *** ***
Viewridge Avenue, Suite
San Diego, CA 92123-
*** *** ** ***
*** * ***
*** *** ***
*** ** ***
Dear Ms***,
We are in receipt of your letter referencing Complaint ID *** ("Complaint")A copy
is
attached for reference
Mr*** makes reference to his discussion with a representative recently about a revised
program to receive a cash advanceDuring this conversation, after validating his personal and
financial information, he was told that the transaction could not be completed due to the fact that
he lived in the state of North CarolinaWe acknowledge and agree to these facts as stated
We sincerely apologize for any inconvenience we may have caused Mr***Our policy had
recently changed to exclude persons from the state of North Carolina but the representative did
not verify the State that Mr*** lived in prior to her communications with himThis was an
oversight on our part and we have taken steps to improve the training of our representatives in an
effort to avoid a recurrence of this unfortunate situation
In addition, Mr*** has requested that his personal and financial information be removed from
our records and that we make no further attempts to contact himWe respect Mr***'s wishes
and have deleted his information, including any documents he had sent to us, from our systems
We have also placed him on our "Do Not Call" listing so that no further communications are
attempted
Again, we apologize to Mr*** 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,
*** ***, President

We are in receipt of your letter referencing Complaint ID * *** (“Complaint”)A
copy is attached for referenceWe apologize for the inconvenience we have caused Mrs***Mrs*** 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*** 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*** 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*** during these communicationsUpon review of various communications and call logs at our disposal related to Mrs***, we determined that Mrs*** 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*** was incorrectAt that time, we requested additional banking information to make the funds available and were provided the additional information from Mrs*** 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*** no later than March 10, 2016, due to banking restrictions imposed by several recipient banksWe empathize with Mrs*** and feel we have this misunderstanding resolvedWe would appreciate Mrs*** letting us know if there are any other unresolved issues we may be able to assist her withSincerely,
*** ***, President

We are in receipt of your letter referencing Complaint ID *** (“Complaint”)A copy is attached for reference.Mr*** (“Seller”) makes reference to having a loan with us and having requested information regarding his principal balance and the payoff amountMr*** also makes reference to
reviewing information on the FutureIncomePayments.com website related to interest ratesWe believe there is a misunderstanding of the nature and form of the agreement Mr*** entered into with usPlease be assured, there was no intent to mislead or provide information to Mr*** at any time during the initial process or while the agreement has been in place.Future Income Payments, LLC (“FIP”) purchased a set amount of the income stream generated by the Seller’s pension for a current lump-sum payment of cashThis transaction is virtually identical to the sale of a stream of annuity payments from the settlement of a lawsuit in a structured settlement; but, instead of the cash flows coming from an annuity, the Seller utilized their future pension paymentsDue to these facts, these transactions are not viewed as loans and do not contain an interest rate factor.Section of the agreement the Seller executed is entitled “Purchase Price Less than Value of Purchased Asset; Fair Consideration,” and explicitly states that “the Purchase Price is significantlyless than the sum the Seller would receive during the Term if the Seller chose not to sell the Purchased Asset under the terms of this Agreement.” Additionally, Exhibit C, Disclosure Noto the Agreement is entitled “Acknowledgement of Discount,” and contains the following disclosure in all capitals, bold and underline: “SELLER WILL RECEIVE SUSTANTIALLY LESS MONEY THAN IF SELLER WERE TO RETAIN THE PERIODIC PAYMENTS COMPRISING THE PURCHASED ASSET.” Disclosure Nothen goes on to specifically state the lump sum purchase price the Seller is receiving, the total amount of payments the Seller would have received if they had not sold their future income stream, and the difference between those two amounts.As is stated above, FIP purchases a set amount of the income stream generated by the Seller’s pension for a current lump-sum payment of cashConcurrent with this transaction with the Seller, FIP transacts with parties interested in purchasing these set amounts of income streams, “Buyers”These transactions with Buyers are what is being referenced on the FutureIncomePayments.com website, not the transaction with the Seller noted above.We empathize with Mr*** and wish to resolve any continued misunderstandings as to the form and nature of the agreement he entered intoWe would appreciate Mr*** letting us know if he would like us to refer this matter to our legal counsel for further follow up.Sincerely,*** ***, ***

I applied for funding from this company over two weeks agoThey told me at the time of application that I would receive funding of my loan in 24-hoursAfter a slight paperwork suffer I was told that I would receive a call as soon as the fund were in my checking accountI called today and was told that they either don't have fund readily available, or they still have something ( although I can't image what) tied up in their accounting officesAfter two weeks of being push to the side, I'm tired