Green Gate Services LLC

In response to the Revdex.com complaint for *** *** dated June 15, 2017, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on April 21, All loan documents were properly executed by the
customerIn accordance with the terms of the loan agreement, Green Gate lent *** *** $and the customer agreed to pay back the loan in installments
In her letter, *** *** questioned whether we are licensed to do business in her stateFor clarification, as stated in *** *** loan agreement, upon her signature and acceptance of the Loan Agreement, the customer entered into a Loan Agreement with a Federally Recognized American Indian Tribe and as such, the laws of the state where she resides are not applicable to this loan agreement. Green Gate Services is a legal tribal lending entity offering installment loans to consumers and is not violating tribal or applicable federal laws
For clarification, *** *** borrowed $and, to date, the customer has paid back $450, so the customer has not even paid back the principal that she borrowed. Additionally, the customer does not owe thousands of dollars*** *** had the option to pay only one finance fee if she paid off her loan in full on her first due dateOr, in addition to the finance fee, she could have applied additional funds to the principal balance, which would have reduced subsequent finance feesOr, lastly, the customer could pay the finance fee only, which would not reduce her principal balance or subsequent finance fees, which the customer elected to do on her first three payments.
*** *** next payment is due on June 23, 2017. Notwithstanding the fact that this loan is legal per the terms of the customer’s executed consumer Loan Agreement, provided *** *** positive payment history, as a courtesy, assuming the June 23, 2017, payment clears, Green Gate Services will waive the remaining balance on the customer’s account, and we will consider the her loan settled, so long as the customer considers this matter resolved.
Based on the information provided above, we trust this issue has been resolvedIf you have any questions or need any further information however, please let us know

Initial Business Response /* (1000, 5, 2015/06/26) */
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC ("Green Gate") on April 6, All loan documents were properly executed by the customerIn accordance with the terms of the loan agreement, Green Gate
lent *** *** $and the customer agreed to pay back the loan in bi-weekly installments
On her first due date, *** ***'s funds were returned due to the customer placing a stop payment on Green Gate ServicesAt that time, as a courtesy to the customer, we stopped applying additional finance feesInstead, we asked that the customer pay back her principal balance, the past due finance fee, and one additional finance for the period in which her payment was returned, which the customer agreed to do after working with an Account Specialist
In total, *** *** made successful payment using her debit cardOn the fifth payment, however, payment did not clearSince then, the customer was contacted by a Manager and arrangements have been establishedAs an additional courtesy to the customer, Green Gate waived the remaining fees on the customer's account and 20% of the remaining principal balanceIn return, the customer agreed to send a money order, at which her account will be marked as SETTLED
Per the customer's request, *** ***'s work number, which the customer provided upon being approved for her first loan, has also been marked as "do not disturb"
In light of Green Gate Services willingness to work with *** ***, and given the fact that arrangements have been made with the customer, we trust that this issue has been resolvedIf you have any questions or need any further information, please do not hesitate to contact us
Initial Consumer Rebuttal /* (2000, 7, 2015/06/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Due to the fact that *** *** does not have an account with Green Gate Services, we are unable to provide any account detailsGreen Gate has attempted to contact the account holder on multiple occasions, but he has not yet returned our callsWe are happy to get this matter resolved, but we
need to speak with the account holder and get authorization to work with *** directly In the meantime, we will not be debiting the customer's account any further and will have an Account Specialist work the account holder

In response to the Revdex.com complaint for *** *** dated October 13, 2016, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on September 7, All loan documents were properly
executed by the customerIn accordance with the terms of the loan agreement, Green Gate lent *** *** $and the customer agreed to pay back the loan in installmentsHad the customer not selected the boxes within the loan agreement, her signature would not have been accepted
Regarding the ability for the customer to revoke authorization, beside the check box for ACH authorization in *** ***’s loan agreement, it states:
“By checking this box you hereby AGREE to the terms of this ACH Authorization section in this AgreementYOU ALSO HEREBY UNDERSTAND AND AGREE THAT THIS LOAN IS NOT CONDITIONED ON PAYMENT BY ACH AND THAT YOU MAY PAY BY PAPER CHECK, MONEY ORDER OR BY ANOTHER METHOD LISTED IN THIS AGREEMENT.”
Additionally, within the loan agreement it states:
“The ACH debit authorization will remain in full force and effect until the earlier of the following occurs: (i) you satisfy all of your payment obligations under this Agreement or (ii) you tell us or the
Paying Bank that we can no longer withdraw money from your Bank Account in enough time (not less than ten business days prior to the scheduled debit date) to let the Paying Bank or us stop taking the money out of your Bank Account.”
The table within *** ***’s loan agreement represents the worst case scenario, if the customer was to only make minimum paymentsOutside of the tightly enforced script utilized by loan representatives, upon receiving her funds, *** *** was issued an email with helpful tips, reminding her of her payment options and the terms of her signed loan agreementAdditionally, Green Gate Services also sent the customer courtesy reminders before each of her due dates to ensure she understood her payment options and balance. *** *** had the option to pay only one finance fee if she paid off her loan in full on her first due dateOr, in addition to the finance fee, she could have applied additional funds to the principal balance, which would have reduced subsequent finance feesOr, lastly, the customer could pay the finance fee only, which would not reduce her principal balance or subsequent finance fee(s).
In her letter, *** *** also questioned whether we are licensed in her state to do business. As stated in *** ***’s loan agreement, upon her signature and acceptance of the Loan Agreement, the customer entered into a Loan Agreement with a Federally Recognized American Indian Tribe and as such, the laws of the state where she resides are not applicable to this loan agreement. Green Gate Services is a legal tribal lending entity offering installment loans to consumers and is not violating tribal or applicable federal laws
Notwithstanding the fact that this loan is legal per the terms of the customer’s executed consumer Loan Agreement, as a courtesy, Green Gate Services will waive the remaining balance on the customer’s account, and we will consider the her loan settled, so long as the customer considers this matter resolved*** *** borrowed $In total, the customer will have paid back $
Based on the information provided above, we trust this issue has been resolvedIf you have any questions or need any further information however, please let us know

The company agreed to clear my balanceHowever they have set up ach debit for the 30th which is after our agreementThey also took $out of my account today after I asked them not to take any more payments outThis is theft
Absolutely no more debits to my accountAnd a full refund of the amount taken on 6/23/

In response to the Revdex.com complaint for*** *** dated August 12, 2017, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on June 21, All loan documents were properly executed
by the customerIn accordance with the terms of the loan agreement, Green Gate lent *** *** $and the customer agreed to pay back the loan in installments
In his letter,*** *** questioned whether Green Gate Services is licensed to do business in his state. As stated in *** *** loan agreement, upon his signature and acceptance of the Loan Agreement, the customer entered into a Loan Agreement with a Federally Recognized American Indian Tribe and as such, the laws of the state where he resides are not applicable to his loan agreement. Green Gate Services is a legal tribal lending entity offering installment loans to consumers and is not violating tribal or applicable federal laws
For clarification, Green Gate Services does not charge over 1000% interestOutside of the tightly enforced script utilized by loan representatives, upon receiving his funds, *** *** was issued an email with helpful tips, reminding him of his payment options and the terms of his signed loan agreement, which has a table to reflect a finance fee is due on each due date. Additionally, Green Gate Services also sent the customer courtesy reminders before each of her due dates to ensure he understood her payment options and balance. *** *** had the option to pay only one finance fee if he paid off his loan in full on his first due dateOr, in addition to the finance fee, he could have applied additional funds to the principal balance, which would have reduced subsequent finance feesOr, lastly, the customer could pay the finance fee only, which would not reduce his principal balance or subsequent finance fee(s), which is what the customer has being paying to date.
Notwithstanding the fact that this loan is legal per the terms of the customer’s executed consumer Loan Agreement, as a courtesy, Green Gate Services will waive the remaining balance on the customer’s account, and we will consider his loan settled, so long as the customer considers the matter resolved. In total, the customer borrowed $and paid a total of $
Based on the information provided above, we trust this issue has been resolvedIf you have any questions or need any further information however, please let us know

Initial Business Response /* (1000, 5, 2015/07/02) */
In response to the Revdex.com complaint for *** *** dated June 30, 2015, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC ("Green Gate") on April
17, All loan documents were properly executed by the customerIn accordance with the terms of the loan agreement, Green Gate lent *** *** $and the customer agreed to pay back the loan in installments
In her letter, *** *** stated that we are not licensed to do business in her stateAs stated in *** ***'s loan agreement, however, upon her signature and acceptance of the Loan Agreement, the customer entered into a Loan Agreement with a Federally Recognized American Indian Tribe and as such, the laws of the state where she resides are not applicable to her loan agreementGreen Gate Services is a legal tribal lending entity offering installment loans to consumers and is not violating tribal or applicable federal lawsTherefore, *** *** is obligated to perform to the terms she agreed to under the loan agreement
In total, *** *** paid two payments totaling $150, before her third and fourth payments were returned due to non-sufficient fundsWhen the account was transferred to an Account Specialist, they contacted the phone numbers that *** *** supplied upon getting approved for the loan, which included the customer's place of employmentIn total, the customer was contacted at her place of employment over the course of two dayUpon receiving the customer's request not to contact her employer, Green Gate Services added the phone number to our "do not call list"
Notwithstanding the fact that this loan is legal per the terms of *** ***'s executed consumer Loan Agreement, Green Gate Services is willing to settle with the customer, so long as *** *** pays back the principal balance that she borrowedSince the customer borrowed $and has paid $150, we only ask that she pay $
Based on the information provided above, we trust this issue has been resolvedIf you have any questions or need any further information however, do not hesitate to contact us

Initial Business Response /* (1000, 5, 2016/01/21) */
In response to the Revdex.com complaint for *** *** dated January 20, 2016, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC ("Green Gate") on
October 1, All loan documents were properly executed by this customerIn accordance with the terms of the loan agreement, Green Gate lent *** *** $and the customer agreed to pay back the loan in installments
Mr*** successfully made five payments; however, on the six payment, funds were returned due to a stop paymentAfter the return, as a courtesy to the customer, Green Gate froze the customer's account, so that no additional finance fees would be accruedIn return, Green Gate requested that the customer pay the past due finance fee, the current finance fee, and the remaining principal balance, which the customer agreed to pay back in installmentsUnfortunately, the second payment was declined and the arrangements were broken
In his letter, *** *** expressed his concerns with the Account Specialist assigned to his accountUpon reviewing the account, while we did not hear any inappropriate language or treatment of Mr***'s employees, we agree that the Account Specialist could have been more professional when working with Mr***With this being said, the employee has been suspended from the account and a Manager has been assigned to follow up with the customer
Per Mr*** instructions, Green Gate Services will only communicate with the customer through emailAdditionally, Green Gate will waive the remaining finance fees on the account and settle for the principal balance only
Based on the information provided above, we trust this issue has been resolvedIf you have any questions or need any further information however, please let us know

Revdex.com:I have reviewed the response made by the business in reference to complaint ID***, and find that this resolution is satisfactory to meSincerely, *** ***

Complaint: ***I am rejecting this response because:Sincerely,*** ***
I do not have an account with this business and I am the sole person on bank accountFunds have been withdrawn from my account without my permission

Complaint: ***I am rejecting this response because: they debut my account and would have continued to debut in the account of I had not stop the debitsAs of Jan 25, I got my letter for bankruptcy and what they got they gotThey called my job harassing my co-workers and made threats to themThey never stoped contacting me at work, this has caused problems at my jobIf they are willing I will pay another in good faith and that's all I am willingThe company never had me sign anything and what they told me was dollars was the payoff.Sincerely,*** ***

Complaint: ***I am rejecting this response because it doesn't take days to stop an ACH transactionI've contacted my bank and it had not been sent on the day I requested it be cancelled so they could have stopped it if they wanted toI want a refund of my $75.Sincerely,*** ***

Initial Business Response /* (1000, 5, 2016/01/19) */
If the customer uses the online portal, a new finance fee is automatically assessed on the due date, which is why the customer saw another finance fee included onlineFor these reasons, we ask that customer notify us at least three days before
their due date to change their payment options
When the customer spoke with a representative on January 19, 2016, the representative actually honored the customer's request and paid off the loan for the principal balance onlyNo additional finance fee was assessed
Based on the additional information provided above, we trust that this issue has been resolved

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

I did not agree to these terms I have filled bankruptcy and they we're added Also my attorney stated he never received a phone call from themAlso, I am speaking to the mn attorney general as we'll as the commerce division and you are charging illegal fees as you are not licensed to give loans in***Complaint: ***I am rejecting this response because:Sincerely,*** ***

*** *** has been an excellent customer, and we sincerely regret that she was inconvenienced by the problems with our payment processorYesterday, we credited the customer the overdraft fees that were incurred by the error with the triple payments. And today we will be issuing a credit for
the two payments that were processed in errorWe also apologize for the delay with issuing the $creditThere was some confusion and the agents were under the impression that the payments were being returned by the bank
*** - We are very sorry we let you downYou deserved better and we regret the inconvenience we put you throughRest assured the funds will be in your account tomorrow

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

In response to the Revdex.com complaint for *** *** dated October 27, 2016, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on August 4, All loan documents were properly
executed by the customerIn accordance with the terms of the loan agreement, Green Gate lent *** *** $500and the customer agreed to pay back the loan in installments
*** *** has been an excellent customer, and Green Gate regrets that the customer’s experience was anything less than idealFor clarification, the customer can access her loan agreement by logging into the Green Gate Services websiteThe loan agreement includes the Truth in Lending disclosures
Notwithstanding the fact that this loan is legal per the terms of the customer’s executed consumer Loan Agreement, as a courtesy, Green Gate Services will waive the remaining balance on the customer’s account, and we will consider the her loan settled, so long as the customer considers this matter resolved
Green Gate wishes *** *** the bestWe will follow up with the Customer Service agents involved to ensure her situation is addressed, so that customers in the future do not encounter a similar situation.
Based on the information provided above, we trust this issue has been resolvedIf you have any questions or need any further information however, please let us know

In response to the Revdex.com complaint for *** *** dated August 19, 2016, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on June 1, All loan documents were properly executed by the
customerIn accordance with the terms of the loan agreement, Green Gate lent *** *** $and the customer agreed to pay back the loan in installmentsHad the customer not selected the checkboxes within the loan agreement, her signature would not have been accepted
Regarding the ability for the customer to revoke authorization, in *** ***’s loan agreement it states:
“The ACH debit authorization will remain in full force and effect until the earlier of the following occurs: (i) you satisfy all of your payment obligations under this Agreement or (ii) you tell us or the Paying Bank that we can no longer withdraw money from your Bank Account in enough time (not less than ten business days prior to the scheduled debit date) to let the Paying Bank or us stop taking the money out of your Bank Account.”
Outside of the tightly enforced script utilized by loan representatives, upon receiving her funds, *** *** was issued an email with helpful tips, reminding her of her payment options and the terms of her signed loan agreement. Additionally, Green Gate Services also sent the customer courtesy reminders before each of her due dates to ensure she understood her payment options and balance. *** *** had the option to pay only one finance fee if she paid off her loan in full on her first due dateOr, in addition to the finance fee, she could have applied additional funds towards the principal balance, which would have reduced subsequent finance fee(s)Or, lastly, the customer could pay the finance fee only, which would not reduce her principal balance or subsequent finance fee(s)
Despite Green Gate Services’ efforts to keep an open line of communication, *** *** elected to make only the minimum payments. Specifically, on the first four payments, the customer paid only the finance fees and did not apply any additional money towards her principal balance
In her letter, *** *** also questioned whether we are licensed to do business in her state. As stated in *** ***’s loan agreement, however, upon her signature and acceptance of the Loan Agreement, the customer entered into a Loan Agreement with a Federally Recognized American Indian Tribe and as such, the laws of the state where she resides are not applicable to this loan agreement. Green Gate Services is a legal tribal lending entity offering installment loans to consumers and is not violating tribal or applicable federal laws
Notwithstanding the fact that this loan is legal per the terms of the customer’s executed consumer Loan Agreement, provided *** ***’s positive payment history, as a courtesy, Green Gate Services will waive the remaining balance on the customer’s account, and we will consider the her loan settled, so long as the customer considers this matter resolved. In total, the customer will have paid back her principal balance and less than one finance fee
Based on the information provided above, we trust this issue has been resolvedIf you have any questions or need any further information however, please let us know

In response to the Revdex.com complaint for *** *** dated November 17, 2016, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on October 31, All loan documents were properly executed by the
customerIn accordance with the terms of the loan agreement, Green Gate lent *** *** $and the customer agreed to pay back the loan in installments
Green Gate Services contacted *** ***’s attorney’s office on November 14, At that time, we were informed that the customer had filed bankruptcy in March of 2016, which was several month before the customer took out the loan with Green Gate ServicesThe attorney’s office stated that Green Gate Services was not listed as a creditor on the bankruptcy and that the customer would need to contact the court to add Green Gate Services
In her letter, *** *** also questioned whether we are licensed in her state to do business. As stated in *** ***’s loan agreement, upon her signature and acceptance of the Loan Agreement, the customer entered into a Loan Agreement with a Federally Recognized American Indian Tribe and as such, the laws of the state where she resides are not applicable to this loan agreement. Green Gate Services is a legal tribal lending entity offering installment loans to consumers and is not violating tribal or applicable federal laws
Green Gate Services is more than willing to write off *** ***’s balance for bankruptcy once we receive confirmation that Green Gate Services has been included on the bankruptcyA manager will be following up with the customer, so we can conduct a conference call with the customer and the attorney’s office to clear the matter up
Based on the information provided above, we trust this issue has been resolvedIf you have any questions or need any further information however, please let us know