Future Income Payments

The associates helped me get a cash advance to do repairs on my home. The associates were very nice and helpful.

VIA EMAILFebruary 25, 2015Ms. [redacted]4747 Viewridge Avenue, Suite 200San Diego, CA 92 123-1688Re: Complaint ID [redacted] [redacted] [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] 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

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 times. We 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 with. This was obviously not the case with Mr. [redacted], who did notreceive the level of service that we want our customers to receive. In 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 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 on our part and clarification needed on some documents received.Based on review of current information, it appears Mr. [redacted] was funded on January 21 ,2015 and should have had access to the funds no later than January 26, 2015. 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.
Mr. [redacted], on behalf of his mother, Ms. [redacted], makes reference to Ms. [redacted] having a loan with us and that she was not competent to enter into the agreement due to a medical condition. He is requesting that her agreement be settled for the amount repaid to date.
Upon review of various communications and call logs at our disposal related to Ms. [redacted], we determined that the original signing of Ms. [redacted]’s contract was executed by her in June of 2013. Further, no matters stand out that Ms. [redacted] was incompetent to uphold her agreement with Future Income Payments, LLC at that time. We also noted numerous phone communications where Ms. [redacted] agreed and confirmed her acknowledgement of the contract and her past due payments, provided her contact information, personal information, banking information and authorization to debit her banking account in our attempt to collect her past due amounts. It is not until recently that we were informed by Mr. [redacted] that he has POA regarding matters involving Ms. [redacted] due to her medical condition.
We empathize with Mr. [redacted] and wish to resolve any continued misunderstandings as to the agreement his mother entered into. We would appreciate Mr. [redacted] letting us know if he would
like us to refer this matter to our legal counsel for further follow up in reaching an equitable solution.
Sincerely,
[redacted]

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.

I got this to help pay my daughters therapy bill and I told the ppl how urgent it was and that I only had a few days to pay the bill before her services would be stopped. The lady was extremely kind and said"it's a 3 day turn around" so I was on board. What they don't tell u is that it is 3-5 days "AFTER" u get them all the documents they need, which took a couple days itself. Then they said, "you need to send us this back after u get it notarized with your wife." So I spent money doing that, then the next day they said,"no you need "this" one signed with just your wife" so I had to go spend more money and time getting that notarized! Finally I got them everything they needed and they were actually helpful in getting mine priority and told me, "the funds are being released today." I was so happy my autistic child would be able to get the care she needed...BUT WAIT!...THERES MORE, they failed to mention the OTHER FREAKING 3-5 day hold their bank puts on the money!!! SERIOUSLY!?!? So the whole process is not 3-5 days but more like 2 weeks! Now I understand that they are robbing us with the 60 month pay back at $313 mo. For $4700 which comes out to over 145% APR but I need the money for my baby and would die for her, but if u are going to do that kind of "loan sharking", you should at least make it fast and not have different things being told by each person u talk to and not fully disclosing the TRUE turn-around period from START TO FINISH. And every time I called with questions and pleading for it to be put in my account or even paying the therapist straight, the lady seemed to be getting sick of me calling. Their should be accommodations for persons in dyer straights. USAA does the application and puts the funds in your account in one day,(the same if u need it)Look, your making $25,000 off of my $4700 loan, they have made me feel like everything and everyone else since my gunshot to the head in iraq, "unwanted, used, and wanting us(injured veterans) to just go away. I am just being honest. I started Monday morning and it's Friday and still no money. Now if they clean up a few things, I'm confident they could be a A++ Revdex.com rating. And maybe it's just my experience and I'm being too hard on them...no. But to be fair and honest, if u aren't in a rush and need it, I would recommend them to ppl, just know what you're getting into. We are all grown and can read and do math, so read and do the math, ask questions, and if after all of it it still sounds good...by all means go for it. On the bright side, there were a few...Ms. De [redacted], Ms. [redacted] and Ms. [redacted] were the sweetest and felt so bad for me and tried their best to speed it up and remembered my Daughter's name and constantly told me to hang in there and made me feel they did wanna help.

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 5 to 7 business days. Mr. [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 account. Mr. [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 calls. Mr. [redacted] feels he was getting the “run-around” from our customer service representatives and communication was difficult at best. We acknowledge these statements given by Mr. [redacted] and believe there is a misunderstanding of the timeframe of when funds would be deposited and available. Please be assured, there was no intent to mislead or provide false information to Mr. [redacted] during these communications.Upon 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, 2015 to December 23, 2015, but there was no indication during these discussions regarding a 5 to 7 business day turnaround in receiving the funds. Mr. [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 place.At this time as confirmed by our Funding Department, Mr. [redacted] was included in the December 30th, 2015 funding’s to our Sellers.We empathize with Mr. [redacted] and feel we have this misunderstanding resolved. We would appreciate Mr. [redacted] letting us know if there are any other unresolved issues we may be able to assist him with.Sincerely,[redacted], President

VIA EMAILMarch 9, 2015Ms. [redacted]4747 Viewridge Avenue, Suite 200San Diego, CA 92123-1688Re: Complaint ID 1[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 Ms. [redacted]. Ms. [redacted] makes reference to herdiscussions with representatives regarding the delay/miscommunication related to receiving thecash advance funds she had contracted to receive. We acknowledge and agree to these facts asstated. Please know that there was never any intent to mislead or provide false information toMs. [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 Ms. [redacted], who did not receivethe level of service that we want for our customers. In this case, we will review the variouscommunications and call logs at our disposal and use this information to provide further trainingto 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 Ms. [redacted] was one such instance where we were unable to meet our goal, due in part toconfusion by us, availability of matching funds, and miscommunication of the proper timing ofI events to Ms. [redacted].Based on review of current information, it appears Ms. [redacted] was funded by our partner onFebruary 23, 2015. Based on this funding date, Ms. [redacted] should have had access to the cashadvance funds no later than February 26, 2015. 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 Ms. [redacted]. We will use thisexperience to improve our customer service and procedures in order to hopefully prevent thisfrom happening in the future.Sincerely,[redacted], President

We are in receipt of your letter referencing Complaint ID [redacted] ("Complaint"). A copyis attached for reference.We apologize for the confusion we have caused Mr. [redacted]. Mr. [redacted] makesreference to being called by Future Income Payments, LLC ("FIP"), on a daily basis and states thathe does...

not have nor ever had a contract with FIP, and is receiving unwanted calls. Mr. [redacted]also states that the calls are coming from a specific phone number~ 1-800-239-9688, at all hoursof the day and evening, and that the calls are very disturbing. At this time, Mr. [redacted] wouldlike all calls to end immediately.Upon review of the communications and call logs at our disposal related to Mr. [redacted],we determined that Mr. [redacted] does in fact have a contract with FIP that was executed andsigned by Mr. [redacted] on May 26th, 2016. Mr. [redacted] was then funded the following day,May 27th, 2016. FIP has only received the first payment due from Mr. [redacted] in July 2016, butno other payments have been received as of today. We have also determined that Mr. [redacted]did not receive any phone calls from FIP that are outside of his states' legal calling time of 8:OOamto 9:00pm. Mr. [redacted] contacted FIP on August 4th, 2016 and spoke with a customer servicerepresentative stating his account had been automatically deducted and he did not know thecompany that made the withdrawal. The representative tried to verify Mr. [redacted] by his SSNbut he refused to comply. Mr. [redacted] continued to tell the representative that he never signed acontract, was never funded and he had spoken to his bank about filing a police report because hebelieves what FIP was trying to do was fraud. After that was said, Mr. [redacted] hung-up on therepresentative without any further resolution. On August 8, 2016 a customer servicerepresentative contacted Mr. [redacted] and again he refused to provide information to verify hisaccount but did agree to receive an email from the representative explaining what the call wasabout; no response from Mr. [redacted] has been received. Our customer service representativeshave sent Mr. [redacted]'s contract to him via mail and email, and after several months ofattempting to contact Mr. [redacted] via phone, mail and email, Mr. [redacted] still claims that hedoes not have a contract with FIP and will not make any payments. Mr. [redacted] also refuses tosubmit proof that he was never funded nor proof he filed a police report in which he claims duringa previous phone call with a representative on November 14t11, 2016.At this time, we have coordinated with our Collections Manager to seek legal advice fromour legal department as to what course of action to take with Mr. [redacted]. We would appreciateif Mr. [redacted] would contact our customer service department in order to resolve this issue at,

I to needed money in a hurry to buy a car as the one I had was an accident waiting to happen. I called these guys and they said they could loan me $2400.00, when I got my advance it was $2100.00 and they loan payment was $350.00 for sixty months. The paperwork says I borrowed $21,000.00. So when I asked why this was they told me that I only owed what I borrowed. When I ask for an amount that I owe they can not give me a straight answer. I have called 4 times this month to make a payment and there appears to be no none there. I keep getting the answering machine and I have left 4 messages with no reply back. These guys are rip offs.

April 14,2015
Ms. [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 Mr. [redacted]. Mr. [redacted] makes referenceto finalizing his contract but not receiving the cash advance within the 5-7 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 no1. 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 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 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 om representatives inorder to avoid a recun ence 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, it appears Mr. [redacted] worked with a representative tochange his contract terms such that it was able to be matched with available Buyer funds. Oncethis was completed, Mr. [redacted] was funded by our partner on April 8, 2015. Based on thisfunding date, Mr. [redacted] should have had access to the cash advance funds no later than April13,2015. 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],

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.

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] makesreference to her multiple discussions with representatives regarding the delay/miscommunicationrelated to...

receiving the cash advance funds she had contracted to receive. Ms. [redacted] alsomakes reference to her concern for the personal financial information she has provided duringthe approval process. We acknowledge and agree to these facts as stated, but please understandthat there was never any intent to deceive or provide false information to Ms. [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 Ms. [redacted], who did notreceive the level of service that we want our customers to receive. In 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. As to the security of Ms. [redacted]'s personal information, please be assured that wekeep this information strictly confidential and do not share this information with anyone outsideof the Company.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 Ms. [redacted] was one such instance where we were unable to meet our goal, due in partto confusion by us, clarification needed on some documents received, and miscommunication ofthe proper timing of events for her to receive the funds into her bank account.Based on review of current information, it appears Ms. [redacted] was funded on January 20, 2015and should have had access to the funds no later than January 23, 2015. This delay in access tothe funds is due to banking rules and regulations related to ACH transfers and are out of ourcontrol.We sincerely apologize for any inconvenience the delay has caused Ms. [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

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

My total experience has been very positive. The service reps were very helpful at helping to get thee cash advance I needed to pay my bills due. The whole process was quick and easy. I would recommend them to anyone.

Dear Mr. [redacted],We are in receipt of your letter referencing Complaint ID [redacted] (“Complaint). A copy is attached for reference.We apologize for the confusion we have caused Mr. [redacted]. Mr. [redacted] makes references in his complaint that the pay-off amount is too high and that he did not sign a contract...

nor did he receive a copy of the contract. At this time, Mr. [redacted] would like to discuss a settlement with our customer service and would like a copy of this contract. Please be assured, there was no intent to mislead or provide false information to Mr. [redacted] at any time during the initial process or while the agreement has been in place.Section 3.5 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 Agreement'. This 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.” Per review of Mr. [redacted]’s file, Mr. [redacted] did sign a contract with FIP on May 3, 2017. The contract was not physically signed by Mr. [redacted]; however, was signed through our document signing software - DocuSign. Mr. [redacted]'s email and I.P. address were verified as what was used to sign his contract on May 3, 2017. A review of our call logs also indicates that Mr. [redacted] has made some inquiries with our customer representative related to a settlement offer as well as a copy of his contract, as he misplaced the original copy sent to him. As of today, Mr. [redacted] has already been sent a copy of his contract, but it appears that they have not reached a settlement.We sincerely apologize for any confusion that has been caused and look forward to hearing from Mr. [redacted] in the near future so that we can amicably resolve this issue with him.Sincerely,[redacted], President

Cash Advance is exactly what I need for help in getting my finances in order Cash advance personnel is prompt, courteous and every detail has been explained fully. Each person I talked to was supportive and patient. I am glad I made the call.

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.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.J. Div. of 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 38 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.  Div. of 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,[redacted]

About 2 years ago I borrow 3000 I have bad credit and was in a desperate situation and needed the money after I borrowed the morning my payments for 352 a month I later realized then I'm paying is 352 for a total of 10 years that's over $30,000 pay back on a $3,000 loan so far I have paid them over 8000 I think I'll get an attorney I'm not real sure this is legal

The staff was very nice and helpful
I'm hoping the funding deposit comes through as smooth. I'll have to say I'm a little worried after reading the reviews but the staff assured me that funds would go as smooth as the process very nice staff indeed.Fingers crossed on the funding .
Thank you Sharon [redacted]
I have several union members who are interested in how this goes with me before they contact this company for funding.hoping to recommend this company