Green Gate Services LLC

In response to the Revdex.com complaint for *** *** dated May **, 2017, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on December 14, 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 based on her pay schedule, which is listed in the customer’s signed loan agreement
On *** *** first due date, her payment was returned due to her account being closedWe attempted to contact the customer to work out arrangementsAs a courtesy to the customer, we froze her balance, so that no future finance fees would accrue. Despite our efforts, *** *** never contacted us, so on April 4, 2017, her account was charged off to a 3rd Party Collection agency
Given the severity of *** *** complaint, we have requested an investigation with the 3rd Party Collection agencyUnder the circumstances, we have also requested that the account be retracted.
In total, *** *** borrowed $and to date, the customer has not made any payment towards her loan. As a courtesy to the customer, Green Gate Services only requests that the customer pay back the principal balance borrowed and in return we will waive the finance fees
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 April 25, 2017, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on December 27, 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 based on her pay schedule, which is listed in the customer’s signed loan agreement
Per *** *** request, her phone number was added to our do not disturb list, so the customer will not be contact at her place of employment, which she provided us upon being approved for the loan. As of this complaint, *** *** is working with the manager of our Collections Department. In total, the customer has paid $of the $she borrowedAs a courtesy to the customer, Green Gate Services only requests that the customer pay back the remaining principal balance, one finance fee, and the return fee for the items that returned, so long as the customer considers the 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.”
If you need any additional information from me, please let me know
Thank you,

Initial Business Response /* (1000, 5, 2016/01/22) */
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
September 14, 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 order to revoke ACH authorization, *** *** only needed to notify us by email, which is what the Customer Service representatives attempted to explainThere was no need to send a letter by certified mail or to send a faxIn the end, the customer did send Green Gate an email requesting the ACH revoke, which Green Gate Services honored
Green Gate Services wishes *** *** a speedy recoveryShe has been an excellent customer, and we regret that her experience was anything less than idealAs a courtesy to the customer, provided that *** *** considers the matter settled, Green Gate Services will write off her accountWe will waive the finance fees and the remaining principal balance on her account
Based on the information provided above, we trust 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, 2016/01/25) */
(The consumer indicated he/she ACCEPTED the response from the business.)

In response to the Revdex.com complaint for *** *** dated April 25, 2017, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on July 28, 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
Green Gate Services regrets that the customer’s experience was anything less than idealUnder the circumstances, while we research the complaint further, Green Gate Services will retract account from the 3rd party Collection agency and write off the customer’s balance, so long as the customer considered the matter resolved
Based on the information provided above, we trust this issue has been resolvedWe wish MrRamsey the best and hope his wife has a speedy recovery
If you have any questions or need any further information however, please let us know

Initial Business Response /* (1000, 5, 2015/09/09) */
In response to the Revdex.com complaint for *** *** dated September 4, 2015, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC ("Green Gate") on July 23,
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
*** *** made one successful payments towards her loanOn the second payment, however, funds were returned due insufficient funds on the customer's accountAt that time, an Account Specialist did follow up with the customer at her place of employment, a phone number which the customer provided Green Gate Services at the time she was approved for the loan
Per the customer's request, we have added the *** Peeble's place of employment to our do not contact listA manager will follow up with the customer via email, so that we can make arrangements for the remaining balance on the accountAs a courtesy, we have also frozen the customer's account so that no additional finance fees will accrue, so we only ask that the customer pay back the past due amount
Based on the information provided above, we trust this issue has been resolvedIf you have any questions or need any further information, please do not hesitate to contact us
Initial Consumer Rebuttal /* (3000, 7, 2015/09/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The rep called number not listed by adjust the last number and then asked one of my co-worker to transfer her to my supervisorPlease check her phone recordsYou can do do things like thatI have not received an email from Green Gate with the payoff balance when I receive it the matter will be resolved
Final Consumer Response /* (3000, 17, 2015/10/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The email I have is dated 9/from an Angela L and there is a offer of $and no PO Box is included please send me the PO box informationI was not given a mailing address
Final Business Response /* (4000, 19, 2015/10/09) */
Customer was sent the mailing addressBut another email has been sentFor clarification, it is not a PO boxTo ensure no delays, *** *** was sent the address below
Green Gate Services
*** XXXXX

In response to the Revdex.com complaint for *** *** dated June 21, 2017, please see our response below
*** *** agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on May 31, 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
*** *** successfully made five payments; however, on the seventh payment, funds were returnedAfter 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 balanceUnfortunately, Green Gate was unable finalize the settlement arrangement with the customer, so the account was sent to a third party collection agency on December 31,
While Green Gate Services was not the source of the complaint for *** ***, we regret that the customer received such poor service. Under the circumstances, while we research further, Green Gate Services has requested that the 3rd party Collection agency stop working the accountAs soon as we receive confirmation, we will write off the balance for *** ***
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 meI would like to request that the business contact me via email at *** to setup payment arrangements.Sincerely, *** ***

In response to the Revdex.com complaint for [redacted] dated September 20, 2016, please see our response below.
[redacted] agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on July 19, 2016. All loan documents were properly executed by the...

customer. In accordance with the terms of the loan agreement, Green Gate lent [redacted] $450 and the customer agreed to pay back the loan in installments.
Outside of the tightly enforced script utilized by loan representatives, upon receiving her funds, [redacted] 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.  [redacted] had the option to pay only one finance fee if she paid off her loan in full on her first due date, which the customer did on her initial loan with Green Gate. Or, in addition to the finance fee, she could have applied additional funds to the principal balance, which would have reduced subsequent finance fees. 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, [redacted] elected to pay only the finance fee on her first payment, and applied additional funds towards her principal on the subsequent payments.   
In her letter, [redacted] also questioned whether we are licensed.  As stated in [redacted]’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, we regret that the customer’s experience was anything less than ideal.  So long as the customer considers this matter resolved, as a courtesy, Green Gate Services will waive one of the customer’s finance fees, which we will credit to the customer account.  
Based on the information provided above, we trust this issue has been resolved. If you have any questions or need any further information however, please let us know.

Initial Business Response /* (1000, 5, 2015/12/11) */
In response to the Revdex.com complaint for [redacted] dated December 9, 2015, please see our response below.
[redacted] agreed to the terms and conditions of a loan with Green Gate Services, LLC ("Green Gate") on September...

8, 2015. All loan documents were properly executed by this customer. In accordance with the terms of the loan agreement, Green Gate lent [redacted] $500 and the customer agreed to pay back the loan in installments.
In his letter, [redacted] stated that we are not licensed to do business in his state. As stated in [redacted]'s loan agreement, however, 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.
Notwithstanding the fact that this loan is legal per the terms of the customer's executed consumer Loan Agreement, provided [redacted]'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 his loan settled, so long as the customer considers the matter resolved.
Based on the information provided above, we trust this issue has been resolved. If you have any questions or need any further information however, please let us know.
Initial Consumer Rebuttal /* (2000, 7, 2015/12/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you.

[redacted] has been a good customer, who always made her payments on time. Her account will not be charged off nor will it reflect negatively on the customer’s credit report. Green Gate is simply closing out the customer’s account and waiving her remaining balance, so that no additional payments will be expected of the customer.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory as long as this account is NOT shown on my credit report as a "charge off," or will negatively affect my credit score, as I have made in good faith to make payments to your company.  As long as this is acceptable,  I want to thank you for responding to my request in a kind and timely manner; I appreciate your sense of urgency on this and I wish you well.  Respectfully, [redacted]

Initial Business Response /* (1000, 5, 2015/07/10) */
In response to the Revdex.com complaint for [redacted] dated July 7, 2015, please see our response below.
[redacted] agreed to the terms and conditions of a loan with Green Gate Services, LLC ("Green Gate") on May 15, 2015....

All loan documents were properly executed by the customer. In accordance with the terms of the loan agreement, Green Gate lent [redacted] $550 and the customer agreed to pay back the loan in installments.
On his second payment, [redacted]'s payment returned due to non-sufficient funds. Following the return, an Account Specialist followed up with the customer to reschedule the payment. At the time, both agreed to schedule the payment for June 23, 2015. When the payment didn't clear, on June 25, 2015, Green Gate Services successfully drafted the past due finance fee.

Upon receiving Mr. [redacted]'s feedback, the Manager of the Collections department followed up with the customer. Based on their conversation, we understand that [redacted] has disputed the charge with his bank and that the fee will be returning to Green Gate Services. As a courtesy to the customer, Green Gate Services has agreed to forgive that finance fee. In return, Green Gate Services will settle with the customer for the principal balance plus the current finance fee that is due and will waive all subsequent finance fees.
In light of the fact that arrangements have been made with the customer, we trust that this issue has been resolved. If you have any questions or need any further information, please do not hesitate to contact us.
Initial Consumer Rebuttal /* (2000, 7, 2015/07/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)

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]

Initial Business Response /* (1000, 5, 2015/07/15) */
In response to the Revdex.com complaint for [redacted] dated July 12, 2015, please see our response below.
[redacted] agreed to the terms and conditions of a loan with Green Gate Services, LLC ("Green Gate") on June 3, 2015. All...

loan documents were properly executed by the customer. In accordance with the terms of the loan agreement, Green Gate lent [redacted] $500 and the customer agreed to pay back the loan in bi-weekly installments.
After paying one finance fee, Mr. [redacted] contacted Green Gate Services and explained that he didn't realize he needed to contact us to pay off his loan on his first due date, which had been his intention. As a courtesy to the customer, we waived the second finance fee that accrued for the new cycle and agreed to allow the customer to pay off for the principal balance only. After attempting to draft the principal balance, however, the payment returned due to non-sufficient funds. As a result of the return, the finance fee for that period was reapplied and the minimum amount was deducted from his account on his second due date.
After deducting the minimum payment on his second due date, [redacted] contacted us for clarification and expressed his concerns, at which point he was referred to a manager, who followed up with the customer on the following business day. Upon speaking with the manager, both agreed to apply [redacted]'s second payment towards his principal balance. In return, the customer advised, he had already mailed a money order for the remaining principal.
Based on the clarification provided above, we trust this issue has been resolved. If you have any questions or need any further information, please do not hesitate to contact us.

In response to the Revdex.com complaint for [redacted] dated April 25, 2017, please see our response below.
 
[redacted] agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on December 27, 2016. All loan documents were properly executed by the customer. In accordance with the terms of the loan agreement, Green Gate lent [redacted] $500 and the customer agreed to pay back the loan in installments based on her pay schedule, which is listed in the customer’s signed loan agreement.
 
Per [redacted] request, her phone number was added to our do not disturb list, so the customer will not be contact at her place of employment, which she provided us upon being approved for the loan.  As of this complaint, [redacted] is working with the manager of our Collections Department.  In total, the customer has paid $450 of the $500 she borrowed. As a courtesy to the customer, Green Gate Services only requests that the customer pay back the remaining principal balance, one finance fee, and the return fee for the items that returned.      
 Based on the information provided above, we trust this issue has been resolved. If 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 [redacted], and find that this resolution is satisfactory to me.  However, the June 23d payment will not be paid, as fees on this loan has made my total so far well above the original loan.Sincerely, [redacted]

In response to the Revdex.com complaint for [redacted] dated September 21, 2017, please see our response below.
[redacted] agreed to the terms and conditions of a loan with Green Gate Services, LLC (“Green Gate”) on June 14, 2017. All loan documents were properly executed by the customer....

In accordance with the terms of the loan agreement, Green Gate lent Eric Dunn $750 and the customer agreed to pay back the loan in installments.
In his letter, [redacted] questioned whether Green Gate Services is licensed to do business in his state.  As stated in [redacted]’s 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.
Outside of the tightly enforced script utilized by loan representatives, upon receiving his funds,[redacted] 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. [redacted] had the option to pay only one finance fee if he paid off his loan in full on his first due date. Or, in addition to the finance fee, he could have applied additional funds to the principal balance, which would have reduced subsequent finance fees. Or, 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. 
Based on the information provided above, we trust this issue has been resolved. If you have any questions or need any further information however, please let us know.

Initial Business Response /* (1000, 5, 2015/10/21) */
In response to the Revdex.com complaint for [redacted] dated October 21, 2015, please see our response below.
[redacted] agreed to the terms and conditions of a loan with Green Gate Services, LLC ("Green Gate") on July 24,...

2015. All loan documents were properly executed by the customer. In accordance with the terms of the loan agreement, Green Gate lent [redacted] $250 and the customer agreed to pay back the loan in installments.
In her letter, [redacted] questioned whether Green Gate Services' can conduct business in California. For clarification, as stated in [redacted]' 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 her 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, therefore [redacted] is obligated to perform to the terms she agreed to under the loan agreement.
Outside of the tightly enforced script utilized by loan representatives, upon receiving her funds, [redacted] 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.
Regardless of Green Gate Services' efforts to keep an open line of communication regarding the payment options, we regret that [redacted]'s experience was anything less than ideal. Although we wish the customer had attempted to work with us directly, as a courtesy to the customer, Green Gate Services will settle with [redacted] and write off her remaining balance.
Based on the information provided above, we trust this issue has been resolved. If you have any questions or need any further information, please do not hesitate to contact us.
Initial Consumer Rebuttal /* (2000, 7, 2015/10/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept that they are writing the remaining balance off. I do sstill feel that I was not told the truth. I specifically asked if they were licensed to do loans in California and was told yes. They do not have a valid license which is required in the state of cCalifornia. Lesson learned, always verify lender's information before doing business with them. No more tribal loans. You never get out of debt when borrowing from them.

Initial Business Response /* (1000, 5, 2015/09/24) */
[redacted] has been a great customer. We are more than happy to settle with the customer for the principal balance only. A manager reached out to the customer and offered to settle for $150 total, which the customer can pay back in multiple...

payments.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am willing to accept as long as they can assure me that no interest will be placed on this account nothing extra. I no longer have a bank account. So I need another alternate way of payment.
Final Business Response /* (4000, 9, 2015/10/05) */
Green Gate Services remains willing to settle with the customer for the $150 principal balance. A manager has reached out to [redacted] and documented the offer. If the customer needs to make alternative payment arrangements, we ask that she work with the manager directly and reply to the emails that were sent to her.

Initial Business Response /* (1000, 5, 2015/08/03) */
In response to the Revdex.com complaint for [redacted] dated July 30, 2015, please see our response below.
[redacted] agreed to the terms and conditions of a loan with Green Gate Services, LLC ("Green Gate") on May...

21, 2015. All loan documents were properly executed by the customer. In accordance with the terms of the loan agreement, Green Gate lent [redacted] $300 and the customer agreed to pay back the loan in semi-monthly installments.
This is [redacted]'s second loan with Green Gate Services. At no point during the first or second loan did the customer express any concerns with Green Gate Services regarding his payments terms. The disclosures regarding the payment terms are further supported by the loan agreement that [redacted] signed, which illustrates the worst case scenario, the total amount the customer would pay if he only paid the minimum payment. As communicated with [redacted], the customer has always had the option to apply more towards the principal to reduce the finance fees or to pay off the loan in full to avoid additional finance fees all together. After issuing both loans, Green Gate Services also emailed the customer helpful tips reminding him of his payment options and the terms and conditions of the loan. Before each of his due dates, Green Gate Services also sent [redacted] reminders regarding his upcoming payments and his remaining principal balance.
Although we wish the customer had attempted to work with us directly, we regret that [redacted]'s experience was anything less than ideal. Notwithstanding the fact that this loan is legal per the terms of [redacted]'s executed consumer Loan Agreement, once his July 31, 2015, payment clears, Green Gate will waive the remaining balance due on his account.
Based on the clarification provided above, we trust this issue has been resolved. If you have any questions or need any further information, please do not hesitate to contact us.