Gentle Breeze Online

Review: I was in a bind...needed a pay day loan....got a loan for $150...they took out $59 to $69 dollars every payday...every time I tried to contact them to set up a pay off...it went to a voice mail...left voicemails no one ever called me back...Well for an entire month they did not withdraw money...then they withdrew on a non-scheduled day...and caused my account to go in overdraft because it was a not scheduled payment...and not on a payday....so I contacted them...spoke with a [redacted]..she was very rude and didn't show any concern for my situation...I asked for a supervisor and she stated I would have to be placed in a Que for them to call me back... I was furious.....she claimed they called, and emailed me....which was not true...had I received anything from them about the payment I would not have called....It was the worst experience ever....I will never do business with them again. The representative was so rude, and also was laughing in the background...they are suppose to be there to help people when in need...if I lived in the area...I would go down there and give them a piece of my mind....they have horrible rates, and they really take advantage of people. I wish I had the power to get them closed down permanently.Desired Settlement: I wish they could refund me for that unauthorized payment $69.00 they took out of my account....it sent my account in overdraft...and I ended up paying more to get my account current. But if they just were simply held accountable for their actions, or penalized for the way they conduct business..that would be even better than money. I would love to see them closed down for good. I have read different reviews and other complaints about this place....I'm sure they are not doing things by the books there....If they went under investigation I'm sure something illegal would be found.

Business

Response:

TO Ms [redacted].

First of all, we apologize about last phone call. We will make sure and investigate what happen with your phone call.

So far, you had 4 loans from [redacted] Online since April 2nd 2013. As stated on the contract, each due date, you've been requested necessary payment or full pay off on your

account(By online request or Phone request). At this time, you last loan had been paid off and your account is closed. We do have your phone authorization for Pay Off in Full

amount on 11/20/2013 to deducted the fund on 11/22/2013.

You've been valuable customer for us ever since your 1st loan and we want to resolve any misunderstanding you might have.

Please feel free to contact us and speak to [redacted] about your account if you have any further question

Thank You

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I thank you for your response....however its still not resolving anything. I will never do business with you all again. I find your business to be very unprofessional. I noticed that you failed to mention that for an entire month almost you did not withdraw my payment...then withdrew it on a non-scheduled day which was not a payday...and caused my checking account to go in overdraft so I was stuck with overdraft fees because you all decided when you were going to take the money out instead of going by scheduled by paydays....[redacted]stated you contacted me to advise me of the transaction....not true at all...I had no missed calls or text voicemails....about that transaction and was not aware. Please provide me a number to reach [redacted] direct...I refuse to go back through an automated system and have to deal or hassle with another rude representative.

In the past I have gotten loans on line. I have a loan for $500.00. They charge me $228.00 in interest my first payment, then I was told this was not a one time payment. They are going to charge me more interest if I do not pay the loan in full. This has nevewr happened to me before. If this company offers you a loan run, because there are better companies out there.

Review: I took a pay day loan from this company. They did not deduct full amount I owed, took an apparent processing feel only. They have now deducted that sum several times and have not deducted true amount owed to close account. I have attempted to call, email and process through their website. My account access will not open. On all of my calls I either get hung up on, or transferred then placed on an extremely long hold and then disconnected. I want to fulfill my requirement, but they will not allow me to do so!Desired Settlement: I would like for them to return the deductions they have made, and allow me to pay a single time of the full amount of loan made plus service fee.

Review: I took out one of their payday loans back in January 15, 2016 for $400.00, I have been trying to get a hold of them for months to make higher payments to pay off this loan. I called them by phone, which you can never reach anyone at, left messages, emailed, I finally was able to get into their website and send a message still nothing. I have been pay them about $185.00 twice a month since, so the $400.00 have been paid back in my eye. I do not know what else to do, except stop the payment, but I will get into troubled for writing a fraudulent check, but this is my only resolution.Desired Settlement: I would like to pay off this loan by making higher payments, bring down the monthly charges they have charged me for month, so I can pay this loan off. I have work with other company like this and never had this kind of problem, this company really is a big rip off and do not work with their customer in any way.

Review: I applied for a loan with this company online and it was approved almost instantly for $300. They very quickly ran through the "fine print" details. After two weeks with no mail or email from the company they held otu $140 from my checking account. Two weeks later a slightly different amount. After 4 withdrawals I realized how much money they had taken out and called in reference. They then inform me that I have been paying service charges biweekly and have not paid toward the loan at all. Why would they hold out this much money and none be applied to the loan balance? Every time I speak with them on the phone they either put me on hold and never pick back up or gradually defer me and hang up. So now I have paid back double the amount of the loan, yet havent touched the principle.Desired Settlement: I would like the principle cleared, as I have clearly paid back double the amount of the loan and they never sent me any sort of mailing or email stating their "service charges"

Review: Spoke with a representative regarding a payday loan. Was approved for $300 was told there was a $146 free, they would take out money every two weeks from my bank account until the total of $446 was paid back. As of Friday they have taken $667 out of my account. Called they stated the verbal agreement was to pay the $300 at one payment is explained that is not what I was told by the representative.Desired Settlement: They stop deducting money out of my account, loan and fee has been paid

Review: I took out an online payday loan with this company in 11/2015 for $150. They were supposed to take out one time payment of $215 instead they started taking out $68-$70 every two weeks. I have tried calling the numbers listed even the number that called me to start the loan but am unable to speak with anyone. I am propt to leave a message but no one has ever returned my call. They have taken so far $390 out of my account.Desired Settlement: I want a refund of over payment

Review: I can not get ahold of this business to pay off my loan, I've emailed, called, over and over. I just want to pay it off, they keep charging me fees to my bank account but will not let me pay off my loan. Please help me.Desired Settlement: I want to pay off my loan and never hear or deal with these people again.

Review: This company is the worst company I have literally ever seen in my life. Their customer service skills are terrible. You cannot reach them by email, when you email them it says not to respond because they will not receive it. I have had nothing but issues with this company. first off the interest and service fees are so high That I pay every other week on payday and I pay almost $70 and the amount of my loan NEVER goes down. I called a couple weeks ago to change my dates because I have a new job and new deposit schedule. Every other week is what I was on but my new payday is still every other week but opposite from my previous job which is the job I had when I got the Loan. Its always a 15-30 minute wait on the phone if I even get to speak with someone and it does not hang up on me first or tell me to leave a message in which no one returns. A gentlemen assured me it was correct. I received an e-mail stating that my account would be debited on the 21st, I sent an email, no response. I called the next day another 30 minute wait. a lady ASSURED me it would not be taken out the 21st it would be the 28th and then every other friday since it was just taken out on the 14th. I am also in a divorce and asked if there is anyway they can work with me she gave me a run around for 25 minutes which resulted in nothing and WOULD NOT let me talk to anyone else. I don't see how that is allowed. Then she put me on hold and it hung up on me. I received an email stating that it will be debited the 21st which I will have no money and then get charged a late fee. I made sure this point was stressed that I would have no money that day and my pay date was the 28th. I was assured it was fixed. I have been on hold for over a half hour and still have not received any help. Mind you I am at work. The level of customer service for this company is absolutely ridiculous and I don't know how this business stays open. So now I probably wont even get to speak with someone and they will charge me.Desired Settlement: I have spent so much time on the phone just waiting to talk to people at this company. THEY ARE IMPOSSIBLE TO REACH and each time when I complain of the wait and how no one gets back to me. no one has ever said "i apologize" this company has zero communication skills and is just down right shady. now I am going to get charged a Late fee for something I had work so hard to get a hold of anyone to resolve and was told it was resolved and it wasn't.. and now I still cant get a hold of anyone. I want a significant decrease in my remaining balance. I have already paid my loan off almost 3 times and it still hasn't lowered it. I am in a divorce not only could they do nothing to help me, but they are so rude and have zero customer service skills. They treat their customers very poorly and its disgusting. I waited for 30 minutes to make sure the dates were changed and they aren't and now I cant get a hold of anyone. If it bounces I also want the late fee paid to my bank.

Consumer

Response:

I already filed a complaint. In addition to FINALLY getting to talk to someone I had to send my new pay stubs over before they would change the dates of my payments which neither of the two people I spoke to said they needed me to send my paycheck stubs. So again, I'm inconvenienced for people not knowing how to do their jobs. When I asked again about being in a hard ship and there was anything they could do. The answer was no. When I asked if there anything they could do for me regarding all the hassle and inconvenience and poor customer service I've gotten.. The answer was no. We stopped your debit tomorrow. I said yes that was your fault. Not mine. So that was your problem to fix. When I asked again what can you do for me. They said nothing. When I asked for a corporate number.. They told me they didn't have one. That's an awesome company... You don't even have a corporate number? How is that possible. This company is so shady and terrible. It does not surprise me they are graded an F. They shouldn't even be in operation.They will not compensate me or work with me at all for all of the problems I have had that have been their mistakes. There has to be something that can AND SHOULD BE DONE FOR SUCH TERRIBLE CUSTOMER SERVICE.

Review: I requested a payday loan for $150.00 on 12/15/14 I believe. Then, that night of 12/15/14 I called back later and spoke with representative [redacted] informing her that I didn't need the loan anymore. So, she said no problem we'll with draw the request and cancel your $150 loan.

The loan was still processed for $150.00, with out my permission and deposited into my bank account on 12/16/14. So I called my bank and went in to a branch to see if they could just resend the $150.00, but they couldn't so some reason. Then, on 12/26/14, $54.12 was automatically withdrawn from by back account to Gentle Breeze without my permission. Since, I've had time to try to fix the matter, 12/31/14, I've tried about 10 times to call gentle breeze, I've left numerous messages and emailed them, stating...I just want to pay back the $150.00 loan, that Jasmine with Gentle Breeze guaranteed had been canceled. Obviously, I am NOT RESPONSIBLE for any interest or fees, but just the $150.00, since the loan was never supposed to have been issued.

Gentle Breeze, put $150.00 into my bank account, and have withdrawn $54.12 so all I want to do is satisfy my $95.88 debt. I only involved the Revdex.com, since I can't reach or trust the Gentle Breeze Company.Desired Settlement: That I can satisfy my debt to Gentle Breeze of $95.88, and that Gentle Breeze Company and Affiliates will never withdraw any additional money ever again from any of my accounts!

Thank you,

Review: I took out a loan with this company roughly in or around 09/23/14 for $100.00 I was approved for the loan and was told that my total payback would be $146.00. On 9/29/14 they took 45.69 from my bank account.. I set up payments to come out every two weeks starting on 9/29/14. On 10/10/14 they took 46.08 our of my bank overdrafting my account. I had to put money in my account before it processed and I would be charged a fee.. I told these folks every TWO weeks.. they went into my account before the paymet was due. Two weeks from 9/29/14 would be 10/13/14. They took money on 10/10/14.. I see another charge today on 10/11/14 for 46.08 I am not sure if this is another charge or they same charge from 10/10. I spoke with a rep around 10/9/14 was told my balance is 146.00. I have already paid back 91.77 since 9/29/14... Im very disappointed they cannot keep their facts stright.I've tried twice in the last 48 hours and kept getting a voicemail, they will not return my calls.Desired Settlement: I WILL NOT do business with these people after my loan is paid off.. They are not honest people..

Business

Response:

Per conversation with customer, account is in the process of settlement. If transaction on 10/28/2014 clears(as discussed), customer's account will be paid off and closed.

Thank You

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

I got a loan with Gentle Breeze on 9/14/2014 for $500. With a repay of $696.00. 9/15/2014 they debited $199.36 from my account and has since debited $196.90(pay dates) every 2 weeks. I have now repaid over $4100 to this company and they are saying it is just the financial fee. My contract and the person I spoke with on the phone said it would be stretched out into 4 payments of $196.90. I want my money refunded and I advise you to NOT do business with this company.

Review: I was charged about $137 as finance fee for a $300 payday loan. Received the money on Monday and they withdrew the fee on Thursday. I don't think that was fair. And they told me the loan is due today. I need help, I am in financial crisis and they are making it worse.Desired Settlement: At least return $100 of the fee they just withdrawn today. And the due date of the loan repayment at least a week away.

Review: I have a payday loan with this company and every time I make payments I never receive any kind of email confirmation regarding my payment. So I emailed this company about 3 weeks ago asking them to contact me regarding my loan. I did not hear anything back from this company, so today I decided to contact them to pay off my loan. First off I had to locate the number online because I had no email or anything sent to me about my loan. When I did call the [redacted] I pressed option 2 because I was an existing customer. I waited for 7 minutest for a voice recording to finally tell me "please leave a message". So I hung up and dialed the number right back! I then selected option 1 because they seem to answer when you actually want to apply for a loan. I spoke to a girl name [redacted], and as soon as I got ready to vent she cut me off and asked for the last 4 of my social. I gave it to her then got told to please hold. I waited for an additional 17 more minutes until I got [redacted]. She was by far the worst representative I have ever spoken to. Right off she asked for my social, which I was a little concerned about giving out because I was unsure I had the correct place. I didn't want to provide important information with somebody "I thought" worked for gentle breeze. So I politely told the young lady that I did not feel comfortable giving that info out and asked her if she has another way of pulling up my information. She said yes but insisted it would take longer. So again I'm on hold for another 5 mintues or so. When [redacted] comes back on the line, she did not verify any information with me. I had to ask her to verify my address and date of birthdate. She got upset and basically stated that she didn't know who I was, I gave her the last four of my social. Throughout the begining of our convo she repeatedly placed me on hold and kept huffing and puffing like she was aggravated. Long story short, she hung up on me and I had to call back to have someone else help me.Desired Settlement: To be treated like a valued customer. I will never ever get a loan with this company. You have proven big time that you do not value your customers and you don't appreciate my business. A "thank you" of some sort would have been nice. I really hope nobody else gets treated the way I did with this company. You guys need to get better customer service agents because [redacted] was horrible. She is not representing your company very well.

Review: In time of need I stupidly applied for and received a loan with this company for $150 on September 17, 2014 for repayment every two (2) weeks in the amount of $69.57 beginning on September 25, 2014. I have been trying to contact them via telephone and voicemail since mid-November as I never received any email from them with regard to when the final payment is due. My emails have gone unanswered and telephone calls end up with an automated voicemail or disconnection. I have attempted to sign-on to my account on their website with no success and have requested several times to 'reset my password' and have still had no response. To date I have repaid $416.53.Desired Settlement: Truly all I want is to receive a communication from them and an email indicating payment dates and final payment due date. I have notified my bank to discontinue further payments until I hear from them as I feel that having been attempting to make contact with them for six (6) weeks is more than fair and it would seem to me to be only good business relations to contact me.

I've been trying to get in contact with somebody to set up a payment transaction for a week or better. I've made numerous phone calls, sent emails. And I have not yet been able to set up a payment transaction.

Yeah, stay away. If you need short-term cash, work with a reputable business like ACE Cash Express or something like that. These guys are a bunch of jackals that screw you over. They won't tell you that your loan automatically renews each PAY PERIOD. Not each month, but each pay period. So you have to manually call them and settle up. Otherwise you'll end up paying back your loan a dozen times over in fees alone. It's pretty bad.

They're nice people (once you get them on the phone) but their business is a total scam. I should have known better, but I went ahead and did it anyway. Regretful.

Review: I was approved for a loan on 07aug15.

Customer service hours was

From M _ F

0700am _ 0500 pm

pst. I received emails to my account

On 8/10, 8/13 twice. But called on 08/08 to cancel my loan. I been calling and emailing every since to cancel my loan. I have no response yet.

NDesired Settlement: Cancel loan

Review: There are a number of complaints I could choose, so I just chose one.

First, I was applying for a loan with a company I worked with before. Once I filled out the preliminary information, my phone started ringing off the hook. It rang at least 7 times, I picked it up and the person told me that I just applied for a loan with them and they were calling to be of assistance. Then they ask me if I still have access to a computer. I had just shut down my computer and I said no. They told me they could do everything over the phone. Hours later, I saw that they were NOT the company I was working with and had lied to me on the phone. So that was problem #1 and I will never do this over the phone again, despite previous positive experiences.

I receive the loan and about 3 hours later, I receive an email indicating that my loan plus a fee of $90.78 would be due in less than 3 business days. Or I could just pay $90.78. Either way, I should call them within 3 business days. I receive that email at about 10:00pm on what would be the 3rd business day, the same day I receive the loan. Absolutely nowhere on their site does it saying anything about a 3 business day loan.

I immediately call the company. I send them numerous emails. Suddenly, they are completely unreachable. The due date should be Feb 15, 2014, not Jan 31. On Feb 15, 2014, I would pay the loan in full, which I suppose is part of the problem.Desired Settlement: The due date should be Feb 15, 2014, not Jan 31. On Feb 15, 2014, I would pay the loan in full, which I suppose is part of the problem.

Review: I provided all the necessary information for a payday loan with the approval for $500. The customer service agent called me back to verify the information and conclude the loan agreement, but she kept me on hold for 40 minutes and then returned to the phone telling me they cannot process the loan after the said I was approved.Desired Settlement: I want them to train the customer service representatives and underwriters correctly. If not, fire them!