Go2Capital

Under the terms entered this client doesn't qualify for any refundShe called go2capital on 05/27, and stated that her investor/partner had decided to back out; and decided that she didn't want to pursue business financingPrior to this update on the file - the client stated she wanted to get a personal loan, which is not advised when trying to secure business financing - but we submitted an application and got her approved for 4kThere was another business loan application that was pending on her file - but these applications were never submitted due to the fact she stated she decided no longer wanted to attempt to get the loan.If the applicant decides to reengage this process once her situation changes - or her partner decides to collectively be attached to the business opportunity, she can call Go2Capital back and we will re-open her file to discuss new potential placement opportunities.Regards,CJ T***Go2Capital [redacted] @go2captial.com

This matter is now closed and will receive no further attention from Go2Capital Thanks,

Complaint: [redacted] I am rejecting this response because:I did not inform them that I was canceling because I was able to obtain a loan from my bankThat is a blatant lieI informed them that I wanted to cancel because I was lied to about the purpose for what my $2,investment was being used for 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]

IncorrectThe information is clearly visible on our privacy policyRegardless, even if this information didn't exist (which it does), the applicants/claimants were told verbally multiple times that the initial fee was nonrefundable, and didn't guarantee a loanEvery debt application will be subject to final underwriting, which gives visibility to the applicants situation This applicant heavily shopped their credit HEAVILY before coming to our company - excessive inquiry activity is something that will be problematic with future placementAgain, this claimant is more than welcome to call Go2Capital, and we will go over the entire call with them on the phoneWe will show the multiple points in conversation where all fees were discussedI've listened to the entire call times now - however in the event that we listen together, and the conversation that took place somehow changeswe will gladly credit the fee The clients will need to call Go2Capital, and ask to speak to compliance to further review.Regards,

This client doesn't qualify for any refund per the contractually terms enteredClients received refunds when they are declined, and return all denial letters to our companyYou were approved for loans — you accepted, the other you rejectedAdditionally multiple derogatory remarks were removed from your credit report during this process using our serviceHad those negative items not been removed, you wouldn't have been able to secure any loan approvalThe loans that you were approved for help small business owners to establish business creditIf businesses prove they can take these early stage loans, utilize them and not default; it enables borrowers to secure more capital for future loan placementRegarding contact — you have spoke to Derick 25, and have received multiple emails regarding your account If this client doesn't want to continue with loan placement beyond what has already been done, as a courtesy we will issue him a $refund and close out his accountA refund authorization will be sent to his email, once executed — the refund will be processedNo other consideration for refund will be considered regarding this accountRegards,CJ T***cj.t***@go2capital.com

We listened to the entire call that took place with this claimant Below is a timeline of questions asked by the claimant, and the answers that were provided.7:minute - Client asked: "is the initial fee refundable if we don't get a loan?" Business Response: NoThe fee is nonrefundable9:minute - Client asked: "does the initial fee guarantee a loan?" Business Response: NoIt's impossible for any company to "guarantee" financing on an initial phone call9:minute - Client asked: "is the initial fee was some kind of subscription fee that bills month/month; and does it need to be canceled?" Business Response: No This isn't a subscription service.The claimants wife jumped on the phone at the 10:minute mark and started asking questions about other potential fees associated with this process Business Response: Discussed closing fees, origination fees, annual fees, and other packing fees that applicants potentially face; depending on the outcome of underwriting13:minute - Client asked: "Even though we pay the $99.00, we might be facing other fees?" Business Response: YesAgain, everything is contingent upon underwritingMany applicants incur other fees.20:minute - Husband jumped back on the line (assuming both parties were on speaker), and stated "so basically if I don't have an immediate approval, I'm out the initial fee and that's it?" Business Response: CorrectYou must consent to any additional work done in your behalfAdditionally you must consent to submit any applications to the lender; and understand all fees associated with the debt product/lenderAfter this conversation, the claimant gave the billing method authorized for service Resolution: During this conversation Go2Capital asked the claimants if they had submitted any applications in the past months, and they stated, "NO"This was far from accurateThe applicants had over inquires on their credit from previous activityObviously this hurts any immediate placement options that otherwise could have been utilized.Go2Capital clearly explained all fees to this claimantNo refund will be issuedThe applicants asked about the initial fee multiple times, and consented to the charge with a clear understanding of serviceIf the claimant wants to call Go2Capital to further discuss; that's fineWe will review to phone call with them, and go over the multiple points in conversation where the fees were disclosed.Regards,CJ T***ComplianceGo2Capital [redacted] @go2capital.com

Complaint: [redacted] I am rejecting this response because: it was not that I did not "want" to continue the funding process I was quite happy to continue filling out applications The funding became irrelevant because my company had to close and file for bankruptcy There was no contractual expectation of an infinite amount of time to find funding Sincerely, [redacted]

Per the contract terms, this claimant isn't entitled to any refundWe're not going to disclose the reasons, or the personal history of this account; due to the fact that it would disclose too much personal data of the claimantHowever we have discussed the issue with this claimant (email/phone), and as a courtesy Go2Capital will refund the last payment of $that was made on the accountNo other special consideration for refund will be extended beyond thisA refund authorization form will be sent to the email we have on file, once executed; the refund will be processedAdditionally we have already shared this information (with this claimant), via email prior to this Revdex.comfiling.Regards,CJ T***Compliancecj.t***@go2capital.com

If the applicant is using a credit monitoring site, the report will not be accurate until she refreshes the creditAdditionally credit monitoring sites are re-sellers creditWhich means the data provided, especially the score - will not score properly until the credit maturity and diversity of the applicant is applied to the loan product that she is attempting to get in position for.If the applicant wants to know the collections that are currently reporting, she can email us - and we will provide the creditor that is reporting the delinquency, as well as the collections amount that is now reporting on her credit report

Go2Capital started working with this client 12/She was trying to get in position for a business acquisition loan, and demanded placement options that weren't realistic for her situationWe provided her the appropriate application to submit, this took place on 12/29/- this is a total of business days; which is for this type of debt productAfter this application was submitted we received no correspondence back from the claimant Under the terms entered this claimant doesn't qualify for any refundDuring the entire course of placement, she demanded quick financing options that weren't realistic for the type of loan she was attempting to get in position forThe criteria for placement is always set by the issuing lender - not Go2CapitalIt makes no sense to submit an application for any debt product if the applicant is going to get instantly declinedThe loans that have quick placement turn around were not applicable placement options for the claimantRegards,

Complaint: [redacted] I am rejecting this response because: We want to listen to the phone call alsoThis company is very sneaky and we want to make sure that this is our voice and phone conversation that took placeThey could tell Revdex.com anythingWe want to prove that this is our conversation, things can be erased and so forth Sincerely, [redacted] ***

Again, the claimants are more than welcome to call Go2Capital, and we will go over the entire call with themThe only part of the conversion that was excluded was the introduction, where the claimant provided all their personal dataObviously we're not going to disclose all this information on a public web-formIf any confusion took place on this call, it's because the parties (husband and wife), kept switching the phone back and forth; and asking different questionsWe have already sent the claimants an email telling them to directly contact Go2CapitalThey can request to speak with the compliance department, and we will review the entire call with them together Regards, CJ T***ComplianceGo2Capital [redacted] @go2capital.com

Line of credit??? Don't you think I'd be aware of a line of credit? Wouldn't a letter have been mailed?? I quit communicating when I realized your company was a scam Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because:Do a little research and you will see how many people have complained about you and your misrepresentation of the product you offered Obviously your not that good at your jobs because it wasn't difficult at all to secure our financingi made the mistake of believing Cody and your website, and was beyond naive thinking I could deal with an individual such as yourself; lesson learnedNot sure why you are such a hostile and vulgar person CJ but im sure you have reasonsi will do my best to ensure other people are not taken advantage of by you and your company

You were approved for a line of credit over year ago using our serviceSince that approval, there has been no correspondence from you stating that you would like to obtain additional working capitalNo lender can force commitment/follow throughThere's been no record of you reaching out to our organization since you were approved on 10/26/If you have additional questions, or would like to discuss additional financing options; feel free to call us directly to discussThanks, CJ T***Compliancecj.t***@go2capital.com

To date, applications were submitted on behalf of this applicantThe first application was submitted on 08/01, the second application was submitted on 09/In regards to this applicants military service, Go2Capital advised against submitting any applications until the necessary credit work was completed on their account (this recommendation was ignored)If you submit applications, with tax lines, and other negative items reporting on credit; this can be problematic with placementAdditionally, even though an applicant has served in the military; there may not be an SBA product/loan that they can apply for based of their current stage in business, and the industry that they are operating inSBA loans are lengthy applications, and every lender will underwrite an SBA application different based off industry and time in businessWe were unaware of any dissatisfaction of serviceWe will reach out to this client today to confirm to status of the previous applications that were submitted; and to discuss additional placement options if applicableRegards,

Complaint: [redacted] I am rejecting this response because: We are requesting a copy of the phone conversation for our reviewIf they cannot produce a copy, then they are lying on all accounts and we want our $back Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because: No where on their website states a $charge for loan packaging is providedNeither is any mention of spending an excess of $2,afterwardsThey are so conniving in the way they speak and approach youThey won't even answer your questions thoroughlyWe do not care what they tell Revdex.com over some so call taped conversation they claim to haveThere are ways to erase and change things on tapes to make the company look good [redacted] ask over three types would their be anymore fees and they said noWe have been ripped off of our money under pretenses and we want it backWe will not settle for nothing elseThey are liars and they know it Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because:Go2Capital didn't get me any financing and there claiming that they didSo please help me recover the $that was givenI would accept $anything else I will not considerThank you for your time and help Sincerely, [redacted]