FuturePay, Inc.

[redacted]
[redacted]   June 7, 2017   Hello [redacted],   Thank you for your correspondence to FuturePay.  We received your correspondence on June 2, 2017, and appreciate the opportunity to respond to your concerns.   Your correspondence states you...

applied for a FuturePay account, which was initially approved; however, a transaction was subsequently cancelled and the FuturePay account was closed.  You are requesting an explanation and assurances your information is protected.   FuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit card. With FuturePay, you can buy now, pay later.    FuturePay takes the security of our accountholders seriously.  The transaction was cancelled and the FuturePay account was closed to prevent identity theft from occurring in your name.    If you believe you have been a victim of identity theft, there are some steps you can take to reduce or minimize the risk of becoming a victim of identity theft in the future. To place a fraud alert on your credit reports please contact one of the following three credit bureaus.  The credit bureau you contact must contact the other two.   Experian                                    ...⇄ Transunion                                   ...⇄ Equifax 1-888-EXPERIAN (397-3742)              1-800-680-7289                                  1-800-525-6285 www.experian.com                            www.transunion.com                         www.equifax.com P.O. Box 9532                                     Fraud Victim Assistance Division       P.O. Box 740241 Allen, TX 75013                                   P.O. Box 6790                                     Atlanta, GA 30374-0241   You may also choose to create an identity theft report or file report with your local police department.  Please visit www.identitytheft.gov for more information.    Please let us know if we can be of any further assistance.   Sincerely, Carrieann B[redacted] Vice President of Compliance FuturePay, Inc.

Hello [redacted], Thank you for your inquiry to FuturePay.  We received your inquiry from the Revdex.com on January 23, 2017, and appreciate the opportunity to respond to your concerns. FuturePay is a safe, simple, and convenient payment option that lets you purchase online without a...

plastic credit card. With FuturePay, you can buy now, pay later. We take the security of our accountholders seriously, and this FuturePay account was closed to prevent identity theft and/or fraud from occurring in your name. Sincerely,Carrieann B[redacted] Vice President, Compliance FuturePay, Inc

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span.s1 {text-decoration: underline ; color: #6fadb1} [redacted] October 25, 2017 Hello [redacted], Thank you for your inquiry to FuturePay.  We received your correspondence on October 19, 2017, and appreciate the opportunity to respond to your concerns. FuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit card. With FuturePay, you can buy now, pay later.  Your correspondence states you opened a FuturePay account and set up monthly payments. You state these payments were set up to be automatic payments; however, the payments stopped. After two missed payments, you received a phone call from FuturePay explaining late fees have been assessed and negative information is being reported to the credit bureau.  You believe the payments were missed due to an error in FuturePay’s system.  You are requesting FuturePay delete the negative information reported to the credit bureau.    Upon receipt of your correspondence, we reviewed your account. Our records show, you opened a FuturePay account on December 12, 2016, in connection with a $1,286.00 purchase from the retailer, Seattle Coffee Gear. When you opened your account, you agreed to the Terms and Conditions of the FuturePay Payment System, which state, “We will charge you a Late Fee each Billing Cycle during which the Minimum Payment Due is not paid in full by its Payment Due Date,” and, “You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation.”  Following the transaction with Seattle Coffee Gear, you activated your FuturePay account and successfully logged in online.  You set up the following one-time payments: $60 payment for January 27, 2017; $120 on March 12, 2017; $120 on April 3, 2017; $120 on May 1, 2017; $120 on June 1, 2017; $120 on July 3, 2017; and $120 on August 1, 2017.    After the August 1, 2017, payment, we continued to send e-mails to the email address on your account, [redacted], to notify you when your statement is ready.  On August 14, 2017, we sent you a statement ready e-mail to notify you a minimum payment was due on September 7, 2017. In addition, two payment reminder e-mails were sent on September 5, 2017, and September 7, 2017.   We also sent you a statement ready e-mail on September 12, 2017, to notify you your next minimum payment was due on October 7, 2017.  In addition, two payment reminder e-mails were sent on October 5, 2017, and October 7, 2017.  No payments were received for your account for the September 7, 2017, and October 7, 2017, payments due dates.  As a result, your account was charged a $25 late fee for each of these missed payments.  In addition, following the second missed payment your account was reported delinquent to the credit bureau. The payments scheduled on your account between January and August 2017, were one-time payments, set up individually on your account.  The payments occurred as scheduled, and there were no errors. We did not receive a payment for your September 7, 2017, and October 7, 2017, payment due dates and the late fees assessed and negative information reported to the credit bureau are accurate.  Please note, FuturePay is required to report accurate information regarding your account to the credit bureau.As of today’s date, your FuturePay account balance is $0.  Please contact us by calling toll-free at 1-855-984-1129 or by e-mail at [email protected] if we can be of further assistance. Sincerely,Carrieann B[redacted]Vice President of ComplianceFuturePay, Inc.

Complaint: [redacted]
I am rejecting this response because: If removed from my credit I will rxcrpt
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
This case can now be closed out as satisfied. I finally received a call back from FuturePay and they were able to reset my password. I reviewed account and verified that all late fees have been refunded back to my account. The account is now closed and I am now just awaiting a $70.02 credit. Thank you for your attention to this matter.
Sincerely,
[redacted]

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[redacted]   August 11, 2017   Hello [redacted],   Thank you for your inquiry to FuturePay.  We received your correspondence on August 7, 2017, and appreciate the opportunity to respond to your concerns.   FuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit card. With FuturePay, you can buy now, pay later.   Your correspondence states you have a FuturePay account, and you contacted FuturePay in December 2016, to set up automatic monthly payments.  You provided your bank account information and routing number to FuturePay; however, you have since received letters, e-mails, and phone calls stating you have not made payments on your account.  You recently contacted FuturePay regarding this matter and spoke with a manager; however, you continue to be contacted because your account is past due.  You are requesting FuturePay resolve this matter by correcting your credit report and removing the minimum monthly payment requirement.   We have reviewed our records, and we are unable to locate an account opened in the name of [redacted].  If the account you are referencing is not in your name, please understand we are unable to discuss another person’s account with you unless we receive the accountholder’s authorization.  Please provide additional information to help us locate an account in your name, or documentation from the actual accountholder stating you are authorized to receive information about their account.   Sincerely,   Carrieann B[redacted] Vice President of Compliance FuturePay, Inc.

Thank you for your inquiry to FuturePay. We are happy to address the complaint we received from a merchant interested in doing business with FuturePay made on behalf of: ·      [redacted] [redacted] ·      d.b.a....

[redacted] Our records indicate that the first application received for [redacted] was incomplete and the merchant site was on an unsupported ecommerce platform. As a result, the original application from February 2016 was declined. The second application was approved for implementation on 6/22/16 pending the merchant converting to a supported ecommerce platform as they have stated an intent to convert to Shopify.Best Regards,Ryan S[redacted]Director of Lending, FuturePay Inc.

[redacted]
[redacted]March 23, 2018Hello [redacted],Thank you for your response. We are sorry that you continue to have a difficult time accessing your FuturePay account online.  We have again reviewed our website and have confirmed it to be functioning and accessible.  You may log into your FuturePay account online and schedule a payment at any time at www.futurepay.com.  You may also click on the “Make a Payment Now” or “Schedule my payment now” buttons in the payment reminder emails periodically sent to the email address on your account, [redacted].   Please ensure that the system you are using to access the website meets the following minimum requirements:    •    A computer with an internet connection, and    •    A current web browser that includes 128-bit encryption.  (The browser must have cookies enabled). If you are attempting to access your FuturePay account via the FuturePay app for Android or Apple devices, please note, this app has been disabled and is not currently supported.  You will not be able to log into or make payments via the app.  We do, however, offer several convenient methods for making a payment.  You can log into your account online at www.futurepay.com and schedule a one-time payment or automatic monthly payments.  You can also contact Shopper Support toll free at 1-855-984-1129 for assistance with making a payment. Or, you may mail a check to:FuturePay, Inc. PO Box 17634Salt Lake City, UT 84117If you need assistance accessing your account online, please contact Shopper Support by calling toll free at 1-855-984-1129 during our hours of operation, Monday-Friday 9am to 5pm Pacific Time. You may also email Shopper Support at [email protected]. Please let us know if we can be of any further assistance.Sincerely,Carrieann B[redacted]Vice President of ComplianceFuturePay, Inc.

Hello Mr. [redacted], Thank you for your inquiry to FuturePay.  We received your correspondence on February 24, 2017, and appreciate the opportunity to respond to your concerns. FuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit card....

With FuturePay, you can buy now, pay later.  Your correspondence states you opened a FuturePay account and send payments to FuturePay using a bill payment service. You assert FuturePay has failed to post payments to your account timely, despite the funds being withdrawn from your bank account prior to payment posting.  You are requesting that FuturePay post your payments to your account as of the date received. We reviewed your account and determined a check payment was received for your FuturePay account via the US Postal Service on February 21, 2017.  Since February 20, 2017, was a federal holiday in the US, mail was not delivered on this date. The payment was applied to your FuturePay account as of the date received, February 21, 2017.  The minimum payment due date for your account was February 20, 2017; however, as a courtesy and given this date was a US federal holiday, you will not be charged a late fee.  Regarding your assertion that FuturePay presented your check for payment two days prior to the date it was posted, we have confirmed that we did not have the check in our possession prior to February 21, 2017.  It is standard practice for bill payment services to withdraw funds from your bank account on the date you specify, rather than on the date the check is presented for payment by the payee.  Please check with your bill payment service for details.  Mailed check payments are posted to FuturePay accounts as of the date received.  When mailing a payment, please allow at least 7 days for delivery, and check with your bill payment service regarding their specific practices for mailing checks and withdrawing funds from your account. For your convenience, FuturePay also accepts payments online at www.futurepay.com.  Log into your account to submit a payment online.  If you need assistance logging into your account or submitting a payment, please contact Shopper Support at 1-855-984-1129. Please let us know if we can be of any further assistance. Sincerely,Carrieann B[redacted] Vice President, Compliance FuturePay, Inc.

[redacted] [redacted]March 27, 2018Hello [redacted],As stated in our correspondence dated March 23, 2018, and in the Terms and Conditions of the FuturePay Payment System which you agreed to at account opening, if the minimum payment requirement is not received by the payment due date indicated on your monthly billing statement, you will be charged a late fee.The payment due date and minimum payment due are set out in each of your monthly billing statements.  We send an email to the email address on your account, [redacted], to notify you when each of your monthly billing statements is ready.  This statement ready email will also provide your payment due date and minimum payment due.  The payment due date is the same date of each month. You may be eligible to request a change to your billing cycle date. If you have not previously requested a change to your billing cycle date and would like to do so, please log into your account online at www.futurepay.com and under change billing cycle day, indicate the date you would like for your billing cycle date.  Please note, you may only request a change to your billing cycle date once, and the new billing cycle date will apply to all future billing cycles. Please let us know if we can be of any further assistance.Sincerely,Carrieann B[redacted]Vice President of ComplianceFuturePay, Inc.

[redacted] [redacted]
[redacted]   March 23, 2018   Hello [redacted],   Thank you for your inquiry to FuturePay.  We received your correspondence on March 22, 2018 and appreciate the opportunity to respond to your concerns.   FuturePay is a safe, simple, and...

convenient payment option that lets you purchase online without a plastic credit card. With FuturePay, you can buy now, pay later.    Your correspondence states you scheduled automatic monthly payments on your FuturePay account; however, you scheduled payments to occur on the 14th of each month instead of the 13th, which is the date your monthly payments are due.  As a result, you have been charged late fees.  You spoke with a representative and learned that FuturePay does not allow a grace period for late payments before charging a late fee.  Based on your experience, this is not in line with standard industry practices. You also believe that FuturePay does not post payments timely and is reporting an incorrect balance on your account.  You are requesting that FuturePay correct your account balance.   You opened a FuturePay account on August 17, 2016. At that time, you were required to review and agree to the Terms and Conditions of the FuturePay Payment System (the “Terms and Conditions”).  The Terms and Conditions state, “You promise to pay at least the Minimum Payment Due on or before the Payment Due Date each Billing Cycle and in accordance with the reasonable requirements set forth on each billing statement” and “We will charge you a Late Fee each Billing Cycle during which the Minimum Payment Due is not paid in full by its Payment Due Date.”   Each month, we send a statement ready email to the email address on file for your account, [redacted].  This statement ready email notifies you your monthly billing statement is ready for viewing online and provides your outstanding balance, minimum payment due, and the minimum payment due date.    Payments are posted to your account as of the date received. For payments scheduled online, the payment posting date is the date for which a payment is scheduled to occur.  For example, the payment scheduled for your account on March 14, 2018, posted to your account with the date of March 14, 2018.  However, because your minimum payment due date was March 13, 2017, and no payments were received as of March 13, 2017, you were charged a late payment fee.   As requested, we have reviewed the balance of your account and have confirmed the balance to be correct. As described in detail below.    Your account reflects the following purchases totaling $700.95: A purchase from the retailer Diamond Hair Company on August 17, 2016 in the amount of $417.97; andA purchase from the retailer Diamond Hair Company on August 20, 2016 in the amount of $282.98.   The following finance charges were assessed to your account, totaling $135: $10 on each of: October 16, 2016; November 16, 2016; December 16, 2016; January 16, 2016; February 16, 2016; March 16, 2016; April 16, 2017; May 16, 2017; June 16, 2017; and$5 on each of: July 16, 2017; August 16, 2017; September 16, 2017; October 16, 2017; November 16, 2017; December 16, 2017; January 16, 2018; February 16, 2018; and March 16, 2018.   The minimum payment was not received by the minimum payment due date and late payment fees were charged to your account as follows, totaling $195: $20 on November 16, 2016; and$25 on each of: April 16, 2017; June 16, 2017; August 16, 2017; September 16, 2017; November 16, 2017; February 16, 2018; March 16, 2018.   A returned payment fee was charged for payments returned for insufficient funds: $27 on January 16, 2018.   We received the following payments to your account, totaling $850: $100 on each of: October 7, 2016; June 30, 2017; July 14, 2017; August 15, 2017; and September 22, 2017; $25 on each of: November 18, 2016; December 30, 2016; January 3, 2017; February 9, 2017; March 10, 2017; April 12, 2017; May 10, 2017; September 17, 2017; October 12, 2017; January 12, 2018; and March 14, 2018; and$75 on February 14, 2018.   We issued a courtesy credit to your account for the $25 late payment fee charged to your account on September 8, 2017   In summary, as of today’s date, March 23, 2018, your account balance is $182.95. This balance consists of the following (as described in more detail above): Total purchases:                                          $700.95 Total finance charges assessed:               + $135 Total late payment fees assessed:           + $195 Total returned payment fees assessed:   + $27 Total payments received:                           - $850            Total refunded fees:                                    - $25 Balance:                                    ...⇄ $182.95   A minimum payment in the amount of $25 is due on April 13, 2018.  You have an automatic payment scheduled to occur on April 14, 2018 in the amount of $75.  Please note that if you do not make at least the minimum payment due, $25, by the minimum payment due date, April 13, 2018, you will be charged a late fee.   Please let us know if we can be of any further assistance.   Sincerely,   Carrieann B[redacted] Vice President of Compliance FuturePay, Inc.

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[redacted] July 12, 2017 Hello...

[redacted], Thank you for your inquiry to FuturePay.  We received your correspondence on July 10, 2017, and appreciate the opportunity to respond to your concerns. FuturePay is a safe, simple, and convenient payment option that lets you pay for purchases online without a plastic credit card. With FuturePay, you can buy now, pay later.  Your correspondence states you made a purchase from an online retailer and used FuturePay to pay for the purchase; however, you subsequently cancelled your order with the retailer.  Your FuturePay account has not been credited for the cancellation, and you are requesting that FuturePay ensure your account is properly credited.    Our records reflect you used your FuturePay account on June 10, 2017, to pay for a purchase from the retailer LEIF Technologies in the amount of $1,715.00.  Upon receipt of your correspondence, we opened an investigation with the retailer on your behalf.  The investigation is complete, and the dispute has been resolved and closed in your favor.  A credit of $1,715.00 has been posted to your FuturePay account.  As of the date of this correspondence, your FuturePay account balance is $0. Sincerely,Carrieann B[redacted]Vice President of Compliance

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

November 9,
Re: Case # [redacted]
To Whom It May Concern:
Thank you for your inquiry
We are happy to address the customer's
concerns
FuturePay is a safe, simple, and convenient
payment option that lets you purchase online with a credit cardWith
FuturePay, you can buy now, pay later
We are happy to provide a brief history of
our contact with the customer
·
Our records indicate that on
July 17th, the customer applied for and was approved for a FuturePay
account
·
On July 17th, the
customer made a purchase for $using their FuturePay account
·
August 17th, we
received an email from the customer asking for confirmation on what was
purchasedWe did provide in writing the details of his purchase
·
September 16th,
we received a phone call from the customer asking for the balance on the
account so that he could pay his entire billWe confirmed the balance and how
to make the payment
·
October 5th, we
received an email from the customer asking if we received the payment he mailed
We confirmed that no payments had been posted to the account as of October 5th,
·
October 23rd,
we received a phone call from the customer asking if we had received his
payment yetWe did confirm that we received the payment, check # [redacted] for $
and that it had been posted to his account on October 17th,
·
To this date we have received
no other payments from the customerHe currently has a $balance on his
account. Please let us know if we can provide any
other information
Regards,
Ryan S[redacted]
Director of Lending
FuturePay
PO Box
Lehi UT

Complaint: [redacted]
I am rejecting this response because:It is unfair for me to be charged a late fee when I set up automatic payments for  a day after my due date. What do you guys off if a payment can’t be made by the due date!
Sincerely,
[redacted]

December 12, 2016 Hello [redacted], Thank you for your inquiry to FuturePay.  We received your inquiry on December 7, 2016, and appreciate the opportunity to respond to your request. FuturePay is a safe, simple, and convenient payment option that lets you purchase online without a...

plastic credit card. With FuturePay, you can buy now, pay later.   FuturePay takes the security of our accountholders security seriously, and the FuturePay account was closed to prevent identity theft from occurring in your name.   Please let us know if we can be of any further assistance. Sincerely, Carrieann B[redacted]Vice President, ComplianceFuturePay, Inc.

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span.s1 {text-decoration: underline ; color: #6fadb1} [redacted]   February 5, 2018   Hello [redacted],   Thank you for your inquiry to FuturePay.  We received your correspondence on February 5, 2018 and appreciate the opportunity to respond to your concerns. FuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit card. With FuturePay, you can buy now, pay later.   Your correspondence states you have received phone calls from FuturePay at your phone number, requesting to speak to a person other than you.  The representatives you spoke with have informed you that  a FuturePay account was opened using your information, but you state you are not the accountholder for that account.  You have requested information on the account; however, the information has not been provided to you because you are not the accountholder.  The account and related negative information has been reported to the credit bureau and appears on your credit report. You are requesting the account be deleted from your credit report.   Our records show you used the email address [redacted] to open a FuturePay account on June 4, 2017, in connection with a purchase from the online retailer, RC Hobby Pro, LLC.  Following the purchase, the retailer shipped the product to the shipping address which is the same address provided for the billing address provided on your FuturePay application.   On June 5, 2017, you contacted FuturePay Shopper Support by phone with questions regarding the product purchased.  You were advised to contact the merchant, RC Hobby, for more information.   On December 6, 2017, you contacted FuturePay Shopper Support by email and stated an account was opened fraudulently in your name.  Upon receipt of your request, FuturePay conducted an investigation of the account and confirmed that the information provided on the FuturePay application and the shipping address provided to the retailer is connected to you.  As a result, we determined that identity theft has not occurred and the account does indeed belong to you.   We notified you of the results of our investigation on December 14, 2017.   You contacted FuturePay Shopper Support by phone on February 5, 2018, and again advised this account was fraudulent.  The representative you spoke with informed you that as stated in our email on December 14, 2017, we have completed our investigation and have determined identity theft has not occurred; however, we will be willing to continue our investigation upon receipt of information and/or documentation that supports your claim. To date we have not received any new information and/or documentation.   As previously stated, based on the results of our investigation fraud has not occurred, and we are unable to accommodate your request to remove the negative information from your credit report.  If you would like us to continue our investigation, please provide additional information and/or documentation to support your claim.  You may send this information to [email protected].   Sincerely, Carrieann B[redacted] Vice President of Compliance FuturePay, Inc.

Complaint: [redacted]
I am rejecting this response because: I have sent off my Payment to future pay in full for the 271, but they placed an negative inquire on my credit report and I am in the prices of buying a home. I would like to have this removed as soon as possible. Thank you 
Sincerely,
[redacted]

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{text-decoration: underline ; color: #6fadb1} span.s2 {font: 12.0px Symbol} span.Apple-tab-span {white-space:pre} ul.ul1 {list-style-type: disc} [redacted] [redacted]
[redacted] August 31, 2017 Hello [redacted], Thank you for your inquiry to FuturePay.  We received your correspondence on August 29, 2017, and appreciate the opportunity to respond to your concerns. FuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit card. With FuturePay, you can buy now, pay later.  Your correspondence states you opened a FuturePay account and made your first payment to the account on October 17, 2017; however, you were advised this payment was not applied toward the balance owed.  Your account has been assessed a finance charge in the amount of $10 per month, and you believe this more than you should be charged.  You have also been charged a returned payment fee, and the balance of your account is not going down despite making regular payments. Our records show you opened a FuturePay account on August 17, 2016, in connection with a purchase from the retailer, [redacted], in the amount of $417.97.  When you opened your account, you agreed to the Terms and Conditions of the FuturePay Payment System, which state, “For any billing cycle that does not include a Grace Period, and during which there is a balance on your account, you will be charged a fixed finance charge of $5 per $500 of balance.” Following the initial purchase, you used your FuturePay account to pay for a subsequent purchase in the amount of $282.98 from the same retailer on August 20, 2016.  On September 17, 2016, we sent an e-mail to the e-mail address on file for the account, [redacted], notifying you your first statement was ready. Your statement reflected a balance of $700.95, with a minimum payment in the amount of $25 due on October 10, 2016.  On October 7, 2016, we received a payment from you in the amount of $100, bringing your account balance to $600.95.  On October 16, 2017, you were charged a finance charge for the outstanding balance on your account on the last day of the billing cycle.  Because your outstanding balance on the last day of the billing cycle was $600.95, you were charged a finance charge of $10, which was calculated as $5 for the portion of your balance that was up to $500, and $5 for the portion of your balance more than $500 but less than $1000.00.  This finance charge brought your balance to $610.95.  On October 17, 2016, we sent an e-mail to you notifying you your next billing statement was ready.  This statement reflected an outstanding balance of $610.95 with a minimum payment due in the amount of $25 by November 9, 2016. No payments were received by November 9, 2016, and as a result, your account was charged a $20 late fee on November 16, 2017.  In addition, your account was assessed a $10 finance charge on November 16, 2017, which was calculated based on the outstanding balance of your account on the last day of the billing cycle and was $5 for the portion of your balance that was up to $500, and $5 for the portion of your balance more than $500 but less than $1000.00.  This brought your account balance to $640.95, and on November 17, 2016, we notified you your statement was ready with a minimum payment of $50 due on December 10, 2016. On November 18, 2017, we received a payment in the amount of $25, bringing your account balance to $615.95. On December 16, 2016, you were charged a finance charge in the amount of $10 based on your account balance on the last day of the billing cycle, $615.95, bringing your account balance to $625.95.  On December 17, 2016, we notified you your billing statement was ready with a minimum payment due in the amount of $50 by January 9, 2017.  We received a payment in the amount of $25 on December 30, 2016, and a payment in the amount of $25 on January 3, 2017, bringing your account balance to $575.95. On January 16, 2017, you were charged a finance charge in the amount of $10, bringing your account balance to $585.95. On January 17, 2017, we sent you an e-mail notifying your next statement was ready. The statement reflects a minimum payment in the amount of $25 was due on February 9, 2017.  We received a payment in the amount of $25 on February 9, 2017, bringing your account balance to $560.95.  On February 16, 2017, you were charged a finance charge in the amount of $10 based on the outstanding balance of your account.  This brought your outstanding balance to $570.95. On February 17, 2017, we sent you an e-mail notifying you your next statement was ready.  This statement reflects an outstanding balance of $570.95 with a minimum payment in the amount of $25 due on March 12, 2017.  We received a payment in the amount of $25 on March 10, 2017, bringing your account balance to $545.95.  On March 16, 2017, you were charged a finance charge in the amount of $10 based on the outstanding balance of your account on the last day of the billing cycle.  This brought your balance to $555.95.  On March 17, 2017, we sent you an e-mail notifying you your next statement was ready.  This statement reflects an outstanding balance of $555.95 with a minimum payment in the amount of $25 due on April 9, 2017. On April 9, 2017, you attempted to send a payment in the amount of $50.  This payment was returned by your bank for insufficient funds on April 12, 2017.  On April 12, 2017, we received a payment in the amount of $25, bringing your balance to $530.95.  On April 12, 2017, you were charged a returned payment fee in the amount of $10 for the April 9, 2017, payment returned by your bank for insufficient funds.  This brought your balance to $540.95.  On April 16, 2017, you were charged a finance charge in the amount of $10 based on the outstanding balance of your account, and a late payment fee in the amount of $25 because your April 12, 2017, payment was received after the payment due date. At this time, the returned payment fee of $10 charged on April 12, 2017, was reversed and credited back to your account. This brought your account balance to $565.95. On April 17, 2017, we sent you an e-mail notifying you your next statement was ready.  This statement reflects an outstanding balance of $555.95 with a minimum payment in the amount of $25 due on May 10, 2017.  We received a payment in the amount of $25 on May 10, 2017, bringing your account balance to $540.95.  On May 16, 2017, you were charged a finance charge in the amount of $10 based on the outstanding balance of your account on the last day of the billing cycle, bringing your balance to $550.95. On May 17, 2017, we sent you an e-mail notifying you your next statement was ready. This statement reflects an outstanding balance of $550.95 with a minimum payment in the amount of $25 due on June 9, 2017.  No payments were received by the June 9, 2017, due date and on June 16, 2017, you were charged a finance charge in the amount of $10 based on the outstanding balance of your account, and a $25 late payment fee. This brought your account balance to $585.95. On June 17, 2017, we sent you an e-mail notifying you your next statement was ready.  This statement reflects an outstanding balance of $585.95 and a minimum payment in the amount of $50 due on July 10, 2017.  On June 30, 2017, we received a payment in the amount of $100, bringing your account balance to $485.95.  On July 14, 2017, we received another payment in the amount of $100, bringing your account balance to $385.95.  On July 16, 2017, you were charged a finance charge in the amount of $5 based on the outstanding balance of your account on the last day of the billing cycle. This brought the balance of your account to $390.95. On July 17, 2017, we sent you an e-mail notifying you your next statement was ready.  This statement reflects an outstanding balance of $390.95 and a minimum payment in the amount of $25 due on August 12, 2017.  On August 15, 2017, we received a payment in the amount of $100, bringing your account balance to $290.95.  Since we did not receive your August 15, 2017, payment by the payment due date of August 12, 2017, a late fee in the amount of $25 was charged to your account.  In addition, you were charged a finance charge in the amount of $5 based on the outstanding balance of your account on the last day of the billing cycle.  As of today’s date, your account balance is $320.95. This consists of the following: • $690.95 in purchase charges; plus • $100 in fixed finance charges assessed to the account; plus • $20 returned payment fees assessed to the account; plus • $95 in late payment fees assessed to the account; minus • $10 returned payment fee credited to the account; minus • $575 in payments received from you credited to the account.  Based on our review of your account, all fees charged to your account were charged in accordance with the Terms and Conditions of the FuturePay Payment System, which you agreed to at account opening.  You have a minimum payment due in the amount of $25 by September 12, 2017. Please contact us by calling toll-free at 1-855-984-1129 or by e-mail at [email protected] if we can be of further assistance.Sincerely,Carrieann B[redacted]Vice President of ComplianceFuturePay, Inc.

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[redacted]   June 7, 2017   Hello [redacted],   Thank you for your correspondence to FuturePay.  We received your correspondence on June 2, 2017, and appreciate the opportunity to respond to your concerns.   Your correspondence states...

you applied for a FuturePay account, which was initially approved; however, a transaction was subsequently cancelled and the FuturePay account was closed.  You are requesting an explanation for why your account was closed and that the account to be re-opened.   FuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit card. With FuturePay, you can buy now, pay later.    FuturePay takes the security of our accountholders seriously.  The transaction was cancelled and the FuturePay account was closed to prevent identity theft from occurring in your name.  We are unable to honor your request to re-open the FuturePay account in your name; however, we have submitted a request to the credit bureau to remove the account from your credit report.   Please let us know if we can be of any further assistance.   Sincerely, Carrieann B[redacted] Vice President of Compliance FuturePay, Inc.