Gentle Breeze Online

Review: I have gotten a loan from this Company $500 in April and the guy that I talk to on the phone said..they would give me the $500 and I had to make a PAYMENT OF $256.90 - 2 times then I will be done paying it because a little bit of interest...it was 2 TIMES...Now we are in June and they still have been taking different amounts out of my checking account and I have paid them over $1100.00 up to this day because I get paid twice a month....when I call them to find out why they were still taking money out of my account they told me I had to buy out of the loan which I was never told this in the beginning and have the contract was in a different language which I could not understand. I had to finally issue a stop payment on this company through my bank, I am loosing my house because of them. This company is dishonest, I have used other companies in the past and pay a total of $50.00 up front and the rest of the money goes towards paying down the loan...that is why I am filing a complaint against them... They need to be stopped.Desired Settlement: Since I have already paid the $256.90 x's 3 which equals a total of $770.00, I am requesting my account be closed plus the pay me back the difference of the extra payments. I would like a check for $417.43 back. After they pay me back I would have still paid the $500 of the Loan, plus $270.00 in interest. Thanks

Review: Applied for $100 loan in October 2014 to pay $146 back and up until now they continue to take out 46.38. I have paid the loan in full but they keep taking more money out my account. Very hard to speak with a representative there they place u on hold for at least 10 minutes. Horrible customer service.Desired Settlement: Please refund the money out my account. They have tooken way more than the intended 146 for the complete loan.

Review: On 11/9/15, I finalized a loan and payment plan with Gentle Breeze. The woman I was speaking with referred to herself as Ms. [redacted]. and her extension is 1104. The loan was for $200.00 with a $93.55 financial fee. The payment agreed upon was explained by Ms. [redacted], which she said my first payment would be the $93.55 fee and every payment after would be any amount I wanted to pay, which I had decided to be $50.00 every two weeks. Three payments have come out of my account now in the amounts of $93.55, $92.76 and $92.56. I called on 12/21/15 to find out what was going on and had to leave a voicemail, but nobody returned my call. So I finally got a hold of somebody today, 12/28/15, and spoke with [redacted]. Apparently, unless I were to call in to set up a payment every two weeks, the loan would be extended and I would pay the financial fee all over again. So far, I've paid a total of $278.87. [redacted] and her supervisor, [redacted], told me that they cannot do anything about the fact that this Ms. [redacted] lied to me about the contract I was agreeing to. They tell me that even though I've already had $278.87 taken out of my checking account for this $293.55 loan, I still owe $292.96. I don't like being lied to. As far as I'm concerned, they're stealing my money.Desired Settlement: I want the amount I've paid thus far to be applied to my principal. So, with the amount I've paid of $278.87 towards a $293.55 loan, I should only owe another $14.68.

Review: I completed an online pay day loan with this company back in June of 2013. I have paid over 1500 dollars to date on this 400 dollar loan with no decrease in my balance. I recently contacted the company in regards to an email I received that they would be debiting my account again but it was late due to there systems being down. I was treated rudely and told that I could not have received an email or any contact to them because there system was down. I stated that I was confused as to what I had been paying them for and she stated it was an extension fee of 144.00 every other week and interest and nothing on the principal. I would never have excepted this loan if I had known the terms were of this nature. I was rudely told that I needed to pay almost 550.00 to be off the loan. I then asked how it was possible for her to know my balance if her systems were down. She ignored the question and said that her system was down and that I could not receive any email from them dated for 10/21/2013. I then stated that I would no longer be paying them because this was outrageous and she then stated that I would have my account sent to collection. I am currently putting an do not pay on my bank account because of this. I feel that I have more then paid my loan in full with this company and would not have done business with them if I knew the terms.Desired Settlement: I would like to be free of this company and there not be legal action take by them against me for there lack of explanation of charges and that I have been grossly over charged for this loan.

Review: On July 12th 2013, I attempted to file for a loan from GentleBreezeOnline.com, a Tribal Lending Enterprise website. I asked a few general questions and was responded in a very rude and direct way regarding my concerns. I let the individual know how I felt about her attitude and was transferred over to someone else who was a bit more helpful, but could still feel the rudeness in the tone of her voice as well. Needless to say I did not go through with the loan, which I am very thankful for after I reviewed the company further on rip off report.com I am now concerned for my privacy and the misuse of my personal information including my social security, email, phone numbers, bank information ect and request that any and all of my personal information be immediately and completely deleted from any and all of there servers in any way shape or form. Electronic form, paper form or otherwise.Desired Settlement: Request that any and all of my personal information be immediately and completely deleted from any and all of there servers in any way shape or form. Electronic form, paper form and/or otherwise.

Review: In the month of April I applied for a loan, in the a out of 150$ the gentleman I spoke to at the time said that the repayment amount would be 217$ I agreed. He said he would send all required documents and the total amount would be deducted from my account in installments. However, at thus time an amount of 347$ has been deducted. I have attempted to call, and email several times. When I follow the prompts to speak with someone because I am a returning customer the phone rings for over 30 minutes. There is no Option to leave a message. I have even attempted to contact them through there site serveral times to even be able to access my account because the password I selected does not work. I have requested a new password nothing. Finally I called and selected the prompt for new customer and lowland behold someone answered. However, because I am not a new customer she informed me that she could not help me. I attempted again and was transferred to someone who said the amount I have been charged are simply service fees... And to repay the loan I will be charged an additional 217$ that would almost a total of 600$ for only 150$. Thus is truly unethical.Desired Settlement: I would like a refund of the excess amount over the original 217$ requested as payback.

Review: I recieved a pay day loan through a 3rd party which was cash USA. I was apporved by a lender unknown on 08/21/2013. I received an email from Gentle Breeze which propted me to call them because the interest fees were so high for the pay day loan amount of 300.00 the interest was 137.66. I spoke to a representative the same day and advised the rep. that I do not wish to take out the loan I was advised that it was to late the loan has already been processed and this was within an hour of being approved. I advised the rep. that I was just approved and the monies have not hit my bank account she then stated that they were unable to stop the loan. Since then the monies have been sitting in my bank account I spoke to a representative on 08/27/2013 because the fine print in which I have cut and pasted below clearly states:

Dear [redacted], DO NOT FORGET YOUR DUE DATE!! You are schedule to Pay Off on 8/30/2013. But to confirm the pay off we need to hear from you minimum 3 business days prior to the due dateother wise we will only debit the financial charge of $137.66. In addtion your loan will be rolled over automatically until you request the pay off. Your total balance is $437.66,($300.00 principle plus $137.66 ( $2.66 Interest + $135.00 Service Fee)) If you want to request Pay Off, Please either login to your account or contact us at least three business days before your due date. Additional amounts could be additional interest on the loan, a deferred interest payment, an NSF fee, or late charges from a previous debit. To request an Pay Off, login to your account at least three business day prior to your due date. Once logged in, click "Extend Loan" with full Pay Off Amount entered. Thank you for choosing GentleBreezeOnline.com! ** PLEASE DO NOT REPLY TO THIS MESSAGE **

I have attempted to contact them and was told their was a glitch in there sytem the monies wouldbe taken from my bank account by 09/05/2013 in which is tomorrow I have also followed the instructions stated to go online and extend the loan with the full payoff amount and received the message that I can only extend the interest amount of 137.66. I decided to do a little research on the company and was told they have ripped off several people by taking money from their bank account over and over again cliaming the person never paid off the loan or contacted them. I do not wish for this to be the case for me. As of today the monies are stillin my account and they have not billed me and are still providing excuses that there system is down. PLEASE HELP!Desired Settlement: I would like for them to take the money that was put in my bank account 300.00 and I will even pay the interest they charged 137.66 and I would like to never be contacted again along with my information deleted from their system. It is very unfortunate that businesses as such are still operating. I do not wish to be another victim of there fraudlent charges I just want them to take the money and the interest from my account and for the loan to be closed..

Review: I have been trying to contact the company for two full business days now and spent over 3 hours on hold today. I have left multiple messages and sent emails trying to pay off my account and no one will help me. They accrue interest daily so obviously this is a tactic to make more money and I want my account closed as of this past Friday when I started trying to contact themDesired Settlement: I want to pay the $300 balance that was due as of Friday May 15th and close my account

Business

Response:

On 5/28, We spoke to customer and made payment arrangement on remaining balance as customer requested.On 6/2, customer bounced the transaction of 1st payment by closing customer's bank account.We were unable to reach the customer ever since.Thank you

Review: I borrowed $300 dollars from this company June 9th,2014. I knew that the pay back would be high because of the interest rate. Since that date I have paid 1,541.83. Which is far above what I owed. I have contacted them several times to find out what more I owe and I have yet to hear back from them. I am becoming overwhelmingly frustrated because they have well over what I owed. NO one has answered a single request to contact me. I have called and stayed on hold for 45 minutes and emailed several time with no response. I would just like for the nightmare to be over. Please help me.Desired Settlement: I feel that I have paid well over the desired amount for this debt. I would at least like $900 dollars back that was debited out of my account.

Review: I have had a significant reduction in income. I called and called and have left messages requesting a call back. I have spoken with 2 people who have hung up on me because I refused to give them information that did not pertain to the matter. I wanted to work out payment arrangements and have requested not to have the funds debited from ym accnt because I have no money in there.Desired Settlement: I wish to terminate the contract and never do business with them again. I would like for my $140 to be refunded and I wish to work out a payment arrangement through their collection department. If they cannot be worked out. I would like their payment address so that I may make payments through the mail (which is what I rather do). I do not wish to speak to this company ever again.

Review: September of 2012, I have borred money $300. 00 from this company. They have taken over $1,000 out of my checking account. I was under the impression that after they have taken there fee out 4 times. the bill will be paid. Now I am in July and they are still taking over $94.00 out of my checking accounty. I have paid them over 3 times and I want them to stop taking money out of my accounty. I have called them numberous times and no one wont help me. I would like help to clear this matter up. If they can't refund me the money that they took out that is fine, but I want them to stop taking money out of my checking account. I am completly outraged and disgusted with how this company is handling their business and working with me. Please help.Desired Settlement: $1,500.00

Review: FRUAD I purchased a loan for $300 financed at 130% therefore I expected to REPAY $430.00. GENTLE BREEZE never gave me the option to select my repayment structure. THEREFORE gentle breeze began debiting my checking account $140 every two weeks, on 4 occasions. Every attempt I made to CONTACT gentle breeze and login to my account was UNSUCCESSFUL. After 8 WEEKS OF ATTEMTING TO CONTACT GENTLE BREEZE I accessed an agent when I pretended to be a new customer seeking a new loan. I scheduled a final principal payment of $300. and therefore will be repaying GENTLE BREEZE $860 altogether!!! I SHOULD BE REFUNDED $430 FOR FRAUD beyond the initial $430 owed to Gentle Breeze.Desired Settlement: I SHOULD BE REFUNDED $430 FOR FRAUD beyond the initial $430 owed to Gentle Breeze.

Review: To whom it may concern:my name is [redacted] and I believe gentlebreeze way of business or website is not explanatory. For which you could not understand how to pay them unless u call then and. When you call I fill it's still not clear into how to pay them back. Futhermore I feel like I've been ripped off I only took out a loan for 400.00 bring the loan to 546.00 OK I knew I had to pay that back. Each pay period the loan has been being paid but that was just the financial charge OK so instead of being hit with this charge every pay period I scheduled for 146.00 june 27 taking out, they said I was late in the being they talk like I would be paying down this loan every pay period instead only the financial charge was being paid. I feel like they ripped me off cause, in totally I paid this institute almost 1000 when I only took out 400.00 please look into them thereally website and personnel doesn't meet the needs of the consumers they just ripped them off I want my money back and the loan is still not paid Thank you,[redacted] Recently 292.00 was taking put my account no where on my account with them did I authorize them to take out 292.00 FromDesired Settlement: The 580.00 the overpayment that had been taken out my accout

This company is a ripoff... I don't recommend no one to use this loan company... They never stop taking money from your account so be mindful.. Learn from my mistake!!!

Review: The company refuses to work with me in resolving an issue with a loan that was paid in full. They insist is wasn't and have been pulling out $200 a month from my bank account. I've asked them to stop and they refuse until I have paid off the loan. Every time I tell them they have they refuse to listen and go on about this finance charge. They informed me they will put me into collections if I put a stop on the debits and have done absolutely nothing to even look into why these charges keep getting deducted from my account. I have now paid over $600 for a $200 loan and they want additional money on top of these finance charges to resolve this.

Numerous emails have gone unanswered and every attempts at phones calls have all ended up with, pay more, more finance charges until you do.

They will not even think of refunding ANY of the finance charges if there were a resolution.

I am at a lossDesired Settlement: Original loan marked settled/paid and $200 of the $400 in finance charges refunded

Review: On October 6th I called 888-645-4171, Gentle Breeze Payday Loan, and sat on hold for 8 minutes before their system put my call into voicemail. I left a detailed voicemail explaining I wanted the full payday loan balance deducted on Friday the 10th. I tried calling again on the 8th and received voicemail again. On the 10th I saw on my bank account that only the interest was deducted so I called again and left another message. I followed up with an email explaining the issue. I phoned again on the 11th and 13th and followed up with another email. Each time just getting voicemail. On Oct. 21 the business called me to tell me I would be charged another $72 (interest only) on Friday the 24th. When I asked why, they have made the mistake "[redacted]" said it was not her responsibility to call me, I should just keep calling. When I explained all calls go to voicemail she stated they are busy and have a voicemail but leaving a voicemail authorization is not sufficient. Neither is email. So this business gives loans that they only allow you to payback by calling them, but then don't answer their phone to schedule the payoff. I believe they intentionally do this to extort more money out of people.Desired Settlement: Refund the additional interest charge and change your business practice to allow people to actually contact you.

Review: I cashed the number several times but got no answer. I have also emailed them directly several times. I need to speak with then about my loan but I continually get ignored.

Business

Response:

As customer stated, we spoke to customer on 8/27/2014 3:42pm PST. Customer told us that his employment changed and pay cycle also changed. We requested any type of document indicating this change especially about pay cycle.

We suggested that he can send either Email or Fax. We didn't receive any proof of changes. On 9/10/2014 5:02pm PST, customer called us for same reason and we explained that we've been waiting for the proof of changes. We asked

if he can send us copy of pay stub which should show new employment and pay cycle.

So far as of 9/15/2014, we have not received any documents from customer.

Review: On April 19th, 2013 I replied to an ad regarding a personal loan with the aforementioned company. I had applied in the past and my information was still active with their company. I wanted to find out, if neccessary what I qualified for. I was asked a series of questions. In addition to that, the representative wanted access to information regarding direct deposits. I offered to send a detailed banking history because I did not feel safe having an unknown third party access my information through the phone. There is another signer on the account - my wife and I advised that I would contact them to inquire if she was comfortable with another person accessing our account. I ended the call with the representative and contacted my wife and she declined having someone else access our account. I called the company back and despite my instructions, the representative called my banking institution pretending to be me and accessed my account while I was speaking with my wife. The rep did not apologize and she refused me a supervisor.Desired Settlement: The company is to delete all my personal information immediately and make no further contact with me.This includes my social security number, bank account, employment addresses and phone numbers and any information as a potential client.Also, a written apology is to be made and declaration that they will not sell my information to anyone or solicit me in the future.

Business

Response:

Dear Customer

Per your request, your personal information has been deleted from our data base. As a direct lender, any customer's information does not go or sell to any 3rd party company. Your phone number and email account is blocked from our system for any kind of

future marketing attempt.

Thank You

Review: This company has been taking 46.38 every two weeks since November. When I was finally able to speak with someone, after many attempts of calling and emails. I was informed that the money was only a loan fee and no money went toward the principal of the loan. So far this company has collected 417.83 over the past four months. I made arrangements to pay off this loan on 3/18/2016 with an amount of 126.00 which is supposed to pay off the loan

Review: I recently got a loan from Gentle Breeze. I was told that I could pay the loan back in full but if I couldn't they would just take out the processing fee and my loan would be extended another two weeks, which is my work pay period. The problem I am having is that we have called in many times trying to pay the loan in full only to be put on hold or have no one answer the call at all. When we can't get in contact with anyone at the company it automatically takes $133.00 every two weeks. I am not trying to get out of paying this loan but we have already paid much over what the original loan was and have tried to pay up the balance in full on at least 5 occasions. Since we can't get in touch with people at the company and they continue to take money out of my checking account I have had to stop using it because I cant afford to keep paying them 133 dollars every two weeks. I have a family to provide for and that cuts deep into my already thin pockets. On top of that my checking account is now in the negative because they continue to try and take money out.Desired Settlement: I would like for this company to clear the debt that I owe and to possible pay my checking account back up to where it is in the positive.