[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 monthYou may be eligible to request a change to your billing cycle dateIf 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 cyclesPlease let us know if we can be of any further assistance.Sincerely,Carrieann B***Vice President of ComplianceFuturePay, Inc
[redacted] ***March 23, 2018Hello [redacted] ,Thank you for your responseWe 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-for assistance with making a paymentOr, you may mail a check to:FuturePay, IncPO 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-during our hours of operation, Monday-Friday 9am to 5pm Pacific TimeYou may also email Shopper Support at [email protected] let us know if we can be of any further assistance.Sincerely,Carrieann B***Vice President of ComplianceFuturePay, Inc
[redacted] *** August 31, 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 concernsFuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit cardWith 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 $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 paymentsOur records show you opened a FuturePay account on August 17, 2016, in connection with a purchase from the retailer, [redacted] ***, in the amount of $ 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 $per $of balance.” Following the initial purchase, you used your FuturePay account to pay for a subsequent purchase in the amount of $from the same retailer on August 20, 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 readyYour statement reflected a balance of $700.95, with a minimum payment in the amount of $due on October 10, On October 7, 2016, we received a payment from you in the amount of $100, bringing your account balance to $ 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 $for the portion of your balance that was up to $500, and $for the portion of your balance more than $but less than $ This finance charge brought your balance to $ 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 $with a minimum payment due in the amount of $by November 9, No payments were received by November 9, 2016, and as a result, your account was charged a $late fee on November 16, In addition, your account was assessed a $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 $for the portion of your balance that was up to $500, and $for the portion of your balance more than $but less than $ 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 $due on December 10, On November 18, 2017, we received a payment in the amount of $25, bringing your account balance to $On December 16, 2016, you were charged a finance charge in the amount of $based on your account balance on the last day of the billing cycle, $615.95, bringing your account balance to $ On December 17, 2016, we notified you your billing statement was ready with a minimum payment due in the amount of $by January 9, We received a payment in the amount of $on December 30, 2016, and a payment in the amount of $on January 3, 2017, bringing your account balance to $On January 16, 2017, you were charged a finance charge in the amount of $10, bringing your account balance to $On January 17, 2017, we sent you an e-mail notifying your next statement was readyThe statement reflects a minimum payment in the amount of $was due on February 9, We received a payment in the amount of $on February 9, 2017, bringing your account balance to $ On February 16, 2017, you were charged a finance charge in the amount of $based on the outstanding balance of your account This brought your outstanding balance to $On February 17, 2017, we sent you an e-mail notifying you your next statement was ready This statement reflects an outstanding balance of $with a minimum payment in the amount of $due on March 12, We received a payment in the amount of $on March 10, 2017, bringing your account balance to $ On March 16, 2017, you were charged a finance charge in the amount of $based on the outstanding balance of your account on the last day of the billing cycle This brought your balance to $ On March 17, 2017, we sent you an e-mail notifying you your next statement was ready This statement reflects an outstanding balance of $with a minimum payment in the amount of $due on April 9, On April 9, 2017, you attempted to send a payment in the amount of $ This payment was returned by your bank for insufficient funds on April 12, On April 12, 2017, we received a payment in the amount of $25, bringing your balance to $ On April 12, 2017, you were charged a returned payment fee in the amount of $for the April 9, 2017, payment returned by your bank for insufficient funds This brought your balance to $ On April 16, 2017, you were charged a finance charge in the amount of $based on the outstanding balance of your account, and a late payment fee in the amount of $because your April 12, 2017, payment was received after the payment due dateAt this time, the returned payment fee of $charged on April 12, 2017, was reversed and credited back to your accountThis brought your account balance to $On April 17, 2017, we sent you an e-mail notifying you your next statement was ready This statement reflects an outstanding balance of $with a minimum payment in the amount of $due on May 10, We received a payment in the amount of $on May 10, 2017, bringing your account balance to $ On May 16, 2017, you were charged a finance charge in the amount of $based on the outstanding balance of your account on the last day of the billing cycle, bringing your balance to $On May 17, 2017, we sent you an e-mail notifying you your next statement was readyThis statement reflects an outstanding balance of $with a minimum payment in the amount of $due on June 9, 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 $based on the outstanding balance of your account, and a $late payment feeThis brought your account balance to $On June 17, 2017, we sent you an e-mail notifying you your next statement was ready This statement reflects an outstanding balance of $and a minimum payment in the amount of $due on July 10, On June 30, 2017, we received a payment in the amount of $100, bringing your account balance to $ On July 14, 2017, we received another payment in the amount of $100, bringing your account balance to $ On July 16, 2017, you were charged a finance charge in the amount of $based on the outstanding balance of your account on the last day of the billing cycleThis brought the balance of your account to $On July 17, 2017, we sent you an e-mail notifying you your next statement was ready This statement reflects an outstanding balance of $and a minimum payment in the amount of $due on August 12, On August 15, 2017, we received a payment in the amount of $100, bringing your account balance to $ 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 $was charged to your account In addition, you were charged a finance charge in the amount of $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 $This consists of the following: • $in purchase charges; plus • $in fixed finance charges assessed to the account; plus • $returned payment fees assessed to the account; plus • $in late payment fees assessed to the account; minus • $returned payment fee credited to the account; minus • $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 $by September 12, Please contact us by calling toll-free at 1-855-984-or by e-mail at [email protected] if we can be of further assistance.Sincerely,Carrieann B***Vice President of ComplianceFuturePay, 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 homeI would like to have this removed as soon as possibleThank you 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 Sincerely, [redacted]
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 dateWhat do you guys off if a payment can’t be made by the due date! Sincerely, [redacted] ***
Hello ***, 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 concernsFuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit cardWith FuturePay, you can buy now, pay laterWe take the security of our accountholders seriously, and this FuturePay account was closed to prevent identity theft and/or fraud from occurring in your nameSincerely,Carrieann B [redacted] Vice President, Compliance FuturePay, Inc
[redacted] June 7, Hello ***, 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 cardWith 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
[redacted] *** October 25, Hello ***, Thank you for your inquiry to FuturePay We received your correspondence on October 19, 2017, and appreciate the opportunity to respond to your concernsFuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit cardWith FuturePay, you can buy now, pay later Your correspondence states you opened a FuturePay account and set up monthly paymentsYou state these payments were set up to be automatic payments; however, the payments stoppedAfter 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 accountOur records show, you opened a FuturePay account on December 12, 2016, in connection with a $1,purchase from the retailer, Seattle Coffee GearWhen 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: $payment for January 27, 2017; $on March 12, 2017; $on April 3, 2017; $on May 1, 2017; $on June 1, 2017; $on July 3, 2017; and $on August 1, 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, In addition, two payment reminder e-mails were sent on September 5, 2017, and September 7, 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, In addition, two payment reminder e-mails were sent on October 5, 2017, and October 7, 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 $late fee for each of these missed payments In addition, following the second missed payment your account was reported delinquent to the credit bureauThe 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 errorsWe 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 $ Please contact us by calling toll-free at 1-855-984-or by e-mail at [email protected] if we can be of further assistanceSincerely,Carrieann B***Vice President of ComplianceFuturePay, Inc
December 12, 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 requestFuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit cardWith 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 assistanceSincerely, Carrieann B***Vice President, ComplianceFuturePay, Inc
February 28, Hello Ms [redacted] , Thank you for your inquiry to FuturePay We received your correspondence on February 23, 2016, and appreciate the opportunity to respond to your concernsFuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit cardWith FuturePay, you can buy now, pay later Your correspondence states you are receiving e-mails from FuturePay regarding an account opened in your name You state you did not request a FuturePay account and you did not use this account to pay for a purchase You are requesting the FuturePay remove this account from your credit report Our records reflect that an application for a FuturePay account was submitted in your name, using your e-mail address and personal information on November 24, 2016, in connection with a $purchase from the retailer Carbon Coco Carbon Coco sells teeth whitening products on the website www.carboncoco.com Please note Carbon Coco and FuturePay are separate entitiesIf you have questions about your purchase on www.carboncoco.com, please contact the retailer directly Upon receipt of your inquiry, we reviewed your account for fraud Based on the information we have in our possession, we determined that fraud has not occurred If you would like us to continue our investigation, please provide additional information and/or documentation to support your claim At this time, you remain responsible for the balance on this account As of today’s date, your account balance is $108.86, with a minimum payment in the amount of $due on March 19, Please let us know if we can be of any further assistanceSincerely,Carrieann B*** Vice President, Compliance FuturePay, Inc
[redacted] March 23, Hello [redacted] , Thank you for your inquiry to FuturePay We received your correspondence on March 22, 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 cardWith 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 practicesYou 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, 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 receivedFor 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, 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 correctAs described in detail below Your account reflects the following purchases totaling $700.95: A purchase from the retailer Diamond Hair Company on August 17, in the amount of $417.97; andA purchase from the retailer Diamond Hair Company on August 20, in the amount of $ The following finance charges were assessed to your account, totaling $135: $on each of: October 16, 2016; November 16, 2016; December 16, 2016; January 16, 2016; February 16, 2016; March 16, 2016; April 16, 2017; May 16, 2017; June 16, 2017; and$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, 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: $on November 16, 2016; and$on each of: April 16, 2017; June 16, 2017; August 16, 2017; September 16, 2017; November 16, 2017; February 16, 2018; March 16, A returned payment fee was charged for payments returned for insufficient funds: $on January 16, We received the following payments to your account, totaling $850: $on each of: October 7, 2016; June 30, 2017; July 14, 2017; August 15, 2017; and September 22, 2017; $on each of: November 18, 2016; December 30, 2016; January 3, 2017; February 9, 2017; March 10, 2017; April 12, 2017; May 10, 2017; September 17, 2017; October 12, 2017; January 12, 2018; and March 14, 2018; and$on February 14, We issued a courtesy credit to your account for the $late payment fee charged to your account on September 8, In summary, as of today’s date, March 23, 2018, your account balance is $This balance consists of the following (as described in more detail above): Total purchases: $Total finance charges assessed: + $Total late payment fees assessed: + $Total returned payment fees assessed: + $Total payments received: - $ Total refunded fees: - $Balance: $ A minimum payment in the amount of $is due on April 13, You have an automatic payment scheduled to occur on April 14, in the amount of $ 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
September 8, 2016Re: Revdex.com Case ID [redacted] Dear Ms [redacted] , We are in receipt of your correspondence submitted to the Revdex.com are happy to provide the following responseWe received an application for Buttah Baby Hair Imports on August 27, 2016, and on August 29, 2016, you were notified the account has been closed You contacted Merchant Support twice on August 29, 2016, and were apprised the account was closed because FuturePay is not accepting new retailers in this specific business line at this time You requested to speak with a manager and were provided the name and contact information of the Vice President of Business Development Following the two exchanges with Merchant Support on August 29, 2016, FuturePay has received no further contact from you The Vice President of Business Development has attempted to contact you at the phone number on your account and left voice mails requesting you return her calls on August 30, September 6, and September 7, We also sent you an e-mail on September 7, Thank you for your interest in FuturePayIt would be a pleasure doing business with you; however, we are not accepting new retailers from this specific line of business at this time Please let us know if we can be of further assistance Sincerely, Carrieann B***Vice President, ComplianceFuturePay Inc PO Box Salt Lake City UT
[redacted] June 7, 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 cardWith 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 futureTo 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- 1-800-525-www.experian.com www.transunion.com www.equifax.com P.OBox Fraud Victim Assistance Division P.OBox Allen, TX P.OBox Atlanta, GA 30374- 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
[redacted] *** July 12, Hello ***, Thank you for your inquiry to FuturePay We received your correspondence on July 10, 2017, and appreciate the opportunity to respond to your concernsFuturePay is a safe, simple, and convenient payment option that lets you pay for purchases online without a plastic credit cardWith 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, 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,has been posted to your FuturePay account As of the date of this correspondence, your FuturePay account balance is $Sincerely,Carrieann B***Vice President of Compliance
Complaint: [redacted] I am rejecting this response because: The person that is filing this complaint is a consumerI myself cannot order this product under future pay, nor my black customersCompliance are regulated by law, not perceptionThe contract was signed by [redacted] ***, all correspondence was with [redacted] ***The discrimination factors are still provided within in the emails that the Contract that [redacted] signed and agreed to was terminated due to discriminationYou do not have a signed contract that has Everything Layaway signature, but I [redacted] ***This falls up under the Federal Civil Rights Act of Not one African American can purchase this product through with your services due to racial profilingThe contract that I, [redacted] agreed to was closed due to discrimination and retaliation to follow orders that would result in discriminationThis is a wrongful termination of contract and also retaliation, because I , [redacted] refuses to not remove a black productNo need to respond, I have contacted all that need to be contacted on this matter All businesses can not refuse services or terminate contracts without following the law and treating all consumers with fairness Sincerely, [redacted] ***
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 concernsFuturePay 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 serviceYou 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 receivedWe reviewed your account and determined a check payment was received for your FuturePay account via the US Postal Service on February 21, Since February 20, 2017, was a federal holiday in the US, mail was not delivered on this dateThe payment was applied to your FuturePay account as of the date received, February 21, 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, 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 days for delivery, and check with your bill payment service regarding their specific practices for mailing checks and withdrawing funds from your accountFor 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-Please let us know if we can be of any further assistanceSincerely,Carrieann B [redacted] Vice President, Compliance FuturePay, Inc
Complaint: [redacted] I am rejecting this response because: If removed from my credit I will rxcrpt Sincerely, [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 monthYou may be eligible to request a change to your billing cycle dateIf 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 cyclesPlease let us know if we can be of any further assistance.Sincerely,Carrieann B***Vice President of ComplianceFuturePay, Inc
[redacted] ***March 23, 2018Hello [redacted] ,Thank you for your responseWe 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-for assistance with making a paymentOr, you may mail a check to:FuturePay, IncPO 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-during our hours of operation, Monday-Friday 9am to 5pm Pacific TimeYou may also email Shopper Support at [email protected] let us know if we can be of any further assistance.Sincerely,Carrieann B***Vice President of ComplianceFuturePay, Inc
[redacted] *** August 31, 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 concernsFuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit cardWith 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 $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 paymentsOur records show you opened a FuturePay account on August 17, 2016, in connection with a purchase from the retailer, [redacted] ***, in the amount of $ 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 $per $of balance.” Following the initial purchase, you used your FuturePay account to pay for a subsequent purchase in the amount of $from the same retailer on August 20, 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 readyYour statement reflected a balance of $700.95, with a minimum payment in the amount of $due on October 10, On October 7, 2016, we received a payment from you in the amount of $100, bringing your account balance to $ 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 $for the portion of your balance that was up to $500, and $for the portion of your balance more than $but less than $ This finance charge brought your balance to $ 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 $with a minimum payment due in the amount of $by November 9, No payments were received by November 9, 2016, and as a result, your account was charged a $late fee on November 16, In addition, your account was assessed a $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 $for the portion of your balance that was up to $500, and $for the portion of your balance more than $but less than $ 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 $due on December 10, On November 18, 2017, we received a payment in the amount of $25, bringing your account balance to $On December 16, 2016, you were charged a finance charge in the amount of $based on your account balance on the last day of the billing cycle, $615.95, bringing your account balance to $ On December 17, 2016, we notified you your billing statement was ready with a minimum payment due in the amount of $by January 9, We received a payment in the amount of $on December 30, 2016, and a payment in the amount of $on January 3, 2017, bringing your account balance to $On January 16, 2017, you were charged a finance charge in the amount of $10, bringing your account balance to $On January 17, 2017, we sent you an e-mail notifying your next statement was readyThe statement reflects a minimum payment in the amount of $was due on February 9, We received a payment in the amount of $on February 9, 2017, bringing your account balance to $ On February 16, 2017, you were charged a finance charge in the amount of $based on the outstanding balance of your account This brought your outstanding balance to $On February 17, 2017, we sent you an e-mail notifying you your next statement was ready This statement reflects an outstanding balance of $with a minimum payment in the amount of $due on March 12, We received a payment in the amount of $on March 10, 2017, bringing your account balance to $ On March 16, 2017, you were charged a finance charge in the amount of $based on the outstanding balance of your account on the last day of the billing cycle This brought your balance to $ On March 17, 2017, we sent you an e-mail notifying you your next statement was ready This statement reflects an outstanding balance of $with a minimum payment in the amount of $due on April 9, On April 9, 2017, you attempted to send a payment in the amount of $ This payment was returned by your bank for insufficient funds on April 12, On April 12, 2017, we received a payment in the amount of $25, bringing your balance to $ On April 12, 2017, you were charged a returned payment fee in the amount of $for the April 9, 2017, payment returned by your bank for insufficient funds This brought your balance to $ On April 16, 2017, you were charged a finance charge in the amount of $based on the outstanding balance of your account, and a late payment fee in the amount of $because your April 12, 2017, payment was received after the payment due dateAt this time, the returned payment fee of $charged on April 12, 2017, was reversed and credited back to your accountThis brought your account balance to $On April 17, 2017, we sent you an e-mail notifying you your next statement was ready This statement reflects an outstanding balance of $with a minimum payment in the amount of $due on May 10, We received a payment in the amount of $on May 10, 2017, bringing your account balance to $ On May 16, 2017, you were charged a finance charge in the amount of $based on the outstanding balance of your account on the last day of the billing cycle, bringing your balance to $On May 17, 2017, we sent you an e-mail notifying you your next statement was readyThis statement reflects an outstanding balance of $with a minimum payment in the amount of $due on June 9, 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 $based on the outstanding balance of your account, and a $late payment feeThis brought your account balance to $On June 17, 2017, we sent you an e-mail notifying you your next statement was ready This statement reflects an outstanding balance of $and a minimum payment in the amount of $due on July 10, On June 30, 2017, we received a payment in the amount of $100, bringing your account balance to $ On July 14, 2017, we received another payment in the amount of $100, bringing your account balance to $ On July 16, 2017, you were charged a finance charge in the amount of $based on the outstanding balance of your account on the last day of the billing cycleThis brought the balance of your account to $On July 17, 2017, we sent you an e-mail notifying you your next statement was ready This statement reflects an outstanding balance of $and a minimum payment in the amount of $due on August 12, On August 15, 2017, we received a payment in the amount of $100, bringing your account balance to $ 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 $was charged to your account In addition, you were charged a finance charge in the amount of $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 $This consists of the following: • $in purchase charges; plus • $in fixed finance charges assessed to the account; plus • $returned payment fees assessed to the account; plus • $in late payment fees assessed to the account; minus • $returned payment fee credited to the account; minus • $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 $by September 12, Please contact us by calling toll-free at 1-855-984-or by e-mail at [email protected] if we can be of further assistance.Sincerely,Carrieann B***Vice President of ComplianceFuturePay, 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 homeI would like to have this removed as soon as possibleThank you 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 Sincerely, [redacted]
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 dateWhat do you guys off if a payment can’t be made by the due date! Sincerely, [redacted] ***
Hello ***, 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 concernsFuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit cardWith FuturePay, you can buy now, pay laterWe take the security of our accountholders seriously, and this FuturePay account was closed to prevent identity theft and/or fraud from occurring in your nameSincerely,Carrieann B [redacted] Vice President, Compliance FuturePay, Inc
[redacted] June 7, Hello ***, 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 cardWith 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
[redacted] *** October 25, Hello ***, Thank you for your inquiry to FuturePay We received your correspondence on October 19, 2017, and appreciate the opportunity to respond to your concernsFuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit cardWith FuturePay, you can buy now, pay later Your correspondence states you opened a FuturePay account and set up monthly paymentsYou state these payments were set up to be automatic payments; however, the payments stoppedAfter 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 accountOur records show, you opened a FuturePay account on December 12, 2016, in connection with a $1,purchase from the retailer, Seattle Coffee GearWhen 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: $payment for January 27, 2017; $on March 12, 2017; $on April 3, 2017; $on May 1, 2017; $on June 1, 2017; $on July 3, 2017; and $on August 1, 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, In addition, two payment reminder e-mails were sent on September 5, 2017, and September 7, 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, In addition, two payment reminder e-mails were sent on October 5, 2017, and October 7, 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 $late fee for each of these missed payments In addition, following the second missed payment your account was reported delinquent to the credit bureauThe 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 errorsWe 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 $ Please contact us by calling toll-free at 1-855-984-or by e-mail at [email protected] if we can be of further assistanceSincerely,Carrieann B***Vice President of ComplianceFuturePay, Inc
December 12, 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 requestFuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit cardWith 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 assistanceSincerely, Carrieann B***Vice President, ComplianceFuturePay, Inc
February 28, Hello Ms [redacted] , Thank you for your inquiry to FuturePay We received your correspondence on February 23, 2016, and appreciate the opportunity to respond to your concernsFuturePay is a safe, simple, and convenient payment option that lets you purchase online without a plastic credit cardWith FuturePay, you can buy now, pay later Your correspondence states you are receiving e-mails from FuturePay regarding an account opened in your name You state you did not request a FuturePay account and you did not use this account to pay for a purchase You are requesting the FuturePay remove this account from your credit report Our records reflect that an application for a FuturePay account was submitted in your name, using your e-mail address and personal information on November 24, 2016, in connection with a $purchase from the retailer Carbon Coco Carbon Coco sells teeth whitening products on the website www.carboncoco.com Please note Carbon Coco and FuturePay are separate entitiesIf you have questions about your purchase on www.carboncoco.com, please contact the retailer directly Upon receipt of your inquiry, we reviewed your account for fraud Based on the information we have in our possession, we determined that fraud has not occurred If you would like us to continue our investigation, please provide additional information and/or documentation to support your claim At this time, you remain responsible for the balance on this account As of today’s date, your account balance is $108.86, with a minimum payment in the amount of $due on March 19, Please let us know if we can be of any further assistanceSincerely,Carrieann B*** Vice President, Compliance FuturePay, Inc
[redacted] March 23, Hello [redacted] , Thank you for your inquiry to FuturePay We received your correspondence on March 22, 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 cardWith 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 practicesYou 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, 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 receivedFor 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, 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 correctAs described in detail below Your account reflects the following purchases totaling $700.95: A purchase from the retailer Diamond Hair Company on August 17, in the amount of $417.97; andA purchase from the retailer Diamond Hair Company on August 20, in the amount of $ The following finance charges were assessed to your account, totaling $135: $on each of: October 16, 2016; November 16, 2016; December 16, 2016; January 16, 2016; February 16, 2016; March 16, 2016; April 16, 2017; May 16, 2017; June 16, 2017; and$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, 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: $on November 16, 2016; and$on each of: April 16, 2017; June 16, 2017; August 16, 2017; September 16, 2017; November 16, 2017; February 16, 2018; March 16, A returned payment fee was charged for payments returned for insufficient funds: $on January 16, We received the following payments to your account, totaling $850: $on each of: October 7, 2016; June 30, 2017; July 14, 2017; August 15, 2017; and September 22, 2017; $on each of: November 18, 2016; December 30, 2016; January 3, 2017; February 9, 2017; March 10, 2017; April 12, 2017; May 10, 2017; September 17, 2017; October 12, 2017; January 12, 2018; and March 14, 2018; and$on February 14, We issued a courtesy credit to your account for the $late payment fee charged to your account on September 8, In summary, as of today’s date, March 23, 2018, your account balance is $This balance consists of the following (as described in more detail above): Total purchases: $Total finance charges assessed: + $Total late payment fees assessed: + $Total returned payment fees assessed: + $Total payments received: - $ Total refunded fees: - $Balance: $ A minimum payment in the amount of $is due on April 13, You have an automatic payment scheduled to occur on April 14, in the amount of $ 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
September 8, 2016Re: Revdex.com Case ID [redacted] Dear Ms [redacted] , We are in receipt of your correspondence submitted to the Revdex.com are happy to provide the following responseWe received an application for Buttah Baby Hair Imports on August 27, 2016, and on August 29, 2016, you were notified the account has been closed You contacted Merchant Support twice on August 29, 2016, and were apprised the account was closed because FuturePay is not accepting new retailers in this specific business line at this time You requested to speak with a manager and were provided the name and contact information of the Vice President of Business Development Following the two exchanges with Merchant Support on August 29, 2016, FuturePay has received no further contact from you The Vice President of Business Development has attempted to contact you at the phone number on your account and left voice mails requesting you return her calls on August 30, September 6, and September 7, We also sent you an e-mail on September 7, Thank you for your interest in FuturePayIt would be a pleasure doing business with you; however, we are not accepting new retailers from this specific line of business at this time Please let us know if we can be of further assistance Sincerely, Carrieann B***Vice President, ComplianceFuturePay Inc PO Box Salt Lake City UT
[redacted] June 7, 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 cardWith 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 futureTo 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- 1-800-525-www.experian.com www.transunion.com www.equifax.com P.OBox Fraud Victim Assistance Division P.OBox Allen, TX P.OBox Atlanta, GA 30374- 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
[redacted] *** July 12, Hello ***, Thank you for your inquiry to FuturePay We received your correspondence on July 10, 2017, and appreciate the opportunity to respond to your concernsFuturePay is a safe, simple, and convenient payment option that lets you pay for purchases online without a plastic credit cardWith 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, 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,has been posted to your FuturePay account As of the date of this correspondence, your FuturePay account balance is $Sincerely,Carrieann B***Vice President of Compliance
Complaint: [redacted] I am rejecting this response because: The person that is filing this complaint is a consumerI myself cannot order this product under future pay, nor my black customersCompliance are regulated by law, not perceptionThe contract was signed by [redacted] ***, all correspondence was with [redacted] ***The discrimination factors are still provided within in the emails that the Contract that [redacted] signed and agreed to was terminated due to discriminationYou do not have a signed contract that has Everything Layaway signature, but I [redacted] ***This falls up under the Federal Civil Rights Act of Not one African American can purchase this product through with your services due to racial profilingThe contract that I, [redacted] agreed to was closed due to discrimination and retaliation to follow orders that would result in discriminationThis is a wrongful termination of contract and also retaliation, because I , [redacted] refuses to not remove a black productNo need to respond, I have contacted all that need to be contacted on this matter All businesses can not refuse services or terminate contracts without following the law and treating all consumers with fairness Sincerely, [redacted] ***
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 concernsFuturePay 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 serviceYou 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 receivedWe reviewed your account and determined a check payment was received for your FuturePay account via the US Postal Service on February 21, Since February 20, 2017, was a federal holiday in the US, mail was not delivered on this dateThe payment was applied to your FuturePay account as of the date received, February 21, 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, 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 days for delivery, and check with your bill payment service regarding their specific practices for mailing checks and withdrawing funds from your accountFor 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-Please let us know if we can be of any further assistanceSincerely,Carrieann B [redacted] Vice President, Compliance FuturePay, Inc