Greenscene

Fora Financial is in receipt of complaint ID [redacted] Please be advised that we take complaints of this nature very seriously We have investigated this matter, which included, but was not limited to, a review of email communications, the loan file at issue and discussions with internal Fora Financial personnelContrary to the complainant’s allegations, no one at Fora Financial threatened, harassed or otherwise treated the complainant in a discourteous manner The Company considers these allegations to be baselessPer our review, the complainant previously received funding from Fora Financial The complainant satisfied the loan on or about March *, In or about the end of February 2017, the complainant advised [redacted] , Fora Financial's Portfolio Performance Manager, that he wanted a prepayment discount in the amount of $20, [redacted] advised the complainant that he was not eligible for the prepayment discount due to a breach of the Business Loan and Security Agreement Notwithstanding, and merely as a customer accommodation, Fora Financial offered the complainant a partial discount, which the complainant did not accept However, the complainant continues to be dissatisfied and is seeking additional funds to which their business is not entitledBased on the foregoing, we have found no wrongdoing on the part of Fora Financial or any of its employees We are, therefore, respectfully denying the complainant’s claims for additional payment of the prepayment discount, and any other demands or damages the complainant may claim in this matter

Fora Financial has a signed application by [redacted] that authorizes Fora Financial, its representatives, successors, assigns and designees ("Recipients") to obtain investigative reports and other information about the applicant including credit card processor statements, bank statements, and reports from consumer reporting agencies such as T [redacted] and [redacted] , credit bureaus, banks, creditors and other third partiesAlso the written authorization allows Fora Financial to transmit the application and any related information to other creditors and financial institutions that may partner with Fora Financial on business loans/merchant cash advancesAs part of its underwriting process, Fora Financial did a soft pull inquiry on [redacted] 's creditUpon receiving this complaint, Fora Financial requested its partners to remove their hard pull inquiries

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 and the matter has been resolved Sincerely, [redacted]

Fora Financial is in receipt of your April **, complaint to The Revdex.com (ID [redacted] )Fora Financial takes complaints of this nature seriously and has conducted a thorough review of this matterOur records indicate that we received and processed your request to be removed from our marketing list on April **, Please be advised that you have been placed on our Do Not Contact list and will not be receiving any further mail, telephone calls, or e-mails from Fora FinancialWe hope this response has addressed your concerns and now consider this matter closedIf you would like to discuss this matter further, feel free to contact our Vice President of Marketing at ###-###-####, ext***, or by email at [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: You were advised before I did any application that I did not want my credit provided and I still have the emails and text messages with your sales person, you are using a basic template for your reply which is un acceptable, you also did not return any emails or phone calls to your company and have only responded to this as you dont want the Revdex.com to give you a lower rating, as previously mentioned I want a appology letter from your company to explain to any future credit funders of why my credit was shopped around and affected my credit score without my permission, if you were truely a honest company this would be no issue what so ever for you as it costs you nothing, I would like to ask the Revdex.com to step in on this request as well as there is no reason that this cannot be compelted In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Dear [redacted] Thank you for taking the time to speak with me and Iapologize for the misunderstanding that you had with one of our trustedpartners Our partners are an extensionof our brand and as such, we expect them to provide the same outstanding levelof customer service that we provide On June***, I contacted [redacted] at Fast Business Funding, the partner to whichwe forwarded your application and who provided your small business financing,and he indicated that he would be more than happy to provide you with a payoffamount as well as documentation reflecting the amount that you’ve pathusfar Also on June ***, Iprovided his telephone number to you and am providing it here again; [redacted] As we were not a party to yourtransaction with Fast Business Funding, Fora Financial does not have anyinformation regarding your transaction with them Should you have any further questions,comments or concerns, please don’t hesitate to reach me at ###-###-####,extension ***

no I cant send texts messages via here

Dear *** ***, The mailing that you received was apromotional marketing piece inviting you to apply for our small businessfinancing products per the terms and conditions present on the front and backof the piece. The numbers that somehowbecame embossed on the outside of the envelope
are not associated with any liveor active account. Please be assuredthat we have not received a credit application from you nor have we issuedcredit in your name and/or the name of your business. Per your request, your information has been deletedfrom our databases and you will receive no further communication from us. Should you have any further questions,comments or concerns, please feel free to reach me directly at ###-###-####,extension ***, or by email at ***. We apologize for any inconvenience Sincerely, *** ***
*** ** *** ***
***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is partially satisfactory and the matter is partially resolved. However, at this point, it is not worth the shortage of payment, because it is only $and this is not worth the time, effort and energy required to go back and forth. I spoke with Fora Financial yesterday and just yesterday received a zero balance letter. I find it interesting it took them almost two (2) months to reach out and send the letter. The last loan payment made to them was in mid-July and here we are almost into mid-September. The only reason they have done what they have done is to cover themselves, because of this Revdex.com inquiry and they are attempting to keep their standing with the Revdex.com in as good a standing as possible. Based on my experience with Fora Financial, I would never recommend doing business with them to anyone and I will never be doing any business with them again. It is not about $154.74, it is about the principal of doing business the right wayIt is how I have always run my business and it is an expectation I have of anyone I do business with and when that expectation is not met, it taints the waters and when this happens, business will no longer continue with that company.
Sincerely,
*** ***

Fora
Financial is in receipt of the Complaint ID: *** dated 7/**/The
complaint alleges that Fora Financial drafted five (5) payments of $each
for a total of $in excess of a loan payoff
We
take allegations and complaints of this nature seriously and we have
conducted
an internal investigation on this matterUpon information and belief, we
properly refunded all amounts due to the merchantIn addition, this letter
shall serve as confirmation that our Customer Service department reached out to *** *** *** and this matter has been resolvedFora Financial has
forwarded a zero-balance letter to the merchant.
Thank
you for your time and consideration
David Z** | Associate
Attorney
T ###-###-####
E ***

Fora Financial is in receipt of Complaint ID # *** from complainant *** *** ***s complaint alleges that Fora Financial provided her with an inaccurate credit scoreFora Financial takes complaints of this nature seriously and has conducted a thorough review of this matter, the
results of which are as followsFora Financial obtained *** ***s credit report in or about mid-October in connection with her application for business fundingThe credit report was independently prepared by a leading third-party credit reporting agency who furnished Fora Financial with *** ***s credit information, including her FICO score, which was subsequently provided to *** ***While we regret *** ***s dissatisfaction, Fora Financial was not the preparer of this information and is not responsible for its accuracyFurther, Fora Financial abides by all applicable legal and regulatory guidelines, including those required under the Federal Equal Credit Opportunity ActWe would recommend that *** *** direct any further concerns about the accuracy of her credit information to the appropriate credit reporting agency or regulatory bodyShould any additional information be required, please do not hesitate to contact Fora Financial at ###-###-####

My name is [redacted] and I am the [redacted] and Compliance for [redacted].  On behalf of the organization, please acceptmy sincerest apologies for the inconvenience. After researching the matter, we discovered a duplicate entry in oursystem for your business. ...

I haveconfirmed that the duplicate entry has been deleted and you will no longerreceive any communications from us. Should you have any questions, comments or concerns please don’t hesitateto contact me at ###-###-####, extension [redacted], or by email at [redacted].

Fora Financial is in receipt of your April **, 2016 complaint to The Revdex.com (ID [redacted]). Fora Financial takes complaints of this nature seriously and has conducted a thorough review of this matter. Our records indicate that we received and processed your request to be removed...

from our marketing list on April **, 2016. Please be advised that you have been placed on our Do Not Contact list and will not be receiving any further mail, telephone calls, or e-mails from Fora Financial. We hope this response has addressed your concerns and now consider this matter closed. If you would like to discuss this matter further, feel free to contact our Vice President of Marketing at ###-###-####, ext. [redacted], or by email at [redacted]

Dear [redacted]: Fora Financial is in receipt of your complaint dated May **, 2016. Please be advised that Fora Financial takes complaints of this nature seriously and has conducted a thorough review of this matter, the results of which are detailed below. In your letter, you alleged that Fora...

Financial sent you marketing mail on several occasions this year. Our records indicate that we received your request to be removed from our mailing list and we processed your request on May **, 2016. You will no longer receive any marketing mail moving forward.  We hope this response has address your concerns and now consider this matter closed.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

 You were advised before I did any application that I did not want my credit provided and I still have the emails and text messages with your sales person, you are using a basic template for your reply which is un acceptable, you also did not return any emails or phone calls to your company and have only responded to this as you dont want the Revdex.com to give you a lower rating, as previously mentioned I want a appology letter from your company to explain to any future credit funders of why my credit was shopped around and affected my credit score without my permission, if you were truely a honest company this would be no issue what so ever for you as it costs you nothing, I would like to ask the Revdex.com to step in on this request as well as there is no reason that this cannot be compelted
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Fora Financial has a signed application by [redacted] that authorizes Fora Financial, its representatives, successors, assigns and designees ("Recipients") to obtain investigative reports and other information about the applicant including credit card processor statements, bank statements,...

and reports from consumer reporting agencies such as T[redacted] and [redacted], credit bureaus, banks, creditors and other third parties. Also the written authorization allows Fora Financial to transmit the application and any related information to other creditors and financial institutions that may partner with Fora Financial on business loans/merchant cash advances. As part of its underwriting process, Fora Financial did a soft pull inquiry on [redacted]'s credit. Upon receiving this complaint, Fora Financial requested its partners to remove their hard pull inquiries.

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 and the matter has been resolved.
Sincerely,
[redacted]

Dear [redacted] Thank you for taking the time to speak with me and Iapologize for the misunderstanding that you had with one of our trustedpartners.  Our partners are an extensionof our brand and as such, we expect them to provide the same outstanding levelof customer service that we...

provide.  On June[redacted], I contacted [redacted] at Fast Business Funding, the partner to whichwe forwarded your application and who provided your small business financing,and he indicated that he would be more than happy to provide you with a payoffamount as well as documentation reflecting the amount that you’ve paid-in thusfar.  Also on June [redacted], Iprovided his telephone number to you and am providing it here again; [redacted]
[redacted].  As we were not a party to yourtransaction with Fast Business Funding, Fora Financial does not have anyinformation regarding your transaction with them.  Should you have any further questions,comments or concerns, please don’t hesitate to reach me at ###-###-####,extension [redacted].

Fora Financial is in receipt of complaint ID [redacted]. Please be advised that we take complaints of this nature very seriously.  We have investigated this matter, which included, but was not limited to, a review of email communications, the loan file at issue and discussions with internal Fora...

Financial personnel. Contrary to the complainant’s allegations, no one at Fora Financial threatened, harassed or otherwise treated the complainant in a discourteous manner.  The Company considers these allegations to be baseless. Per our review, the complainant previously received funding from Fora Financial.  The complainant satisfied the loan on or about March *, 2017.  In or about the end of February 2017, the complainant advised [redacted], Fora Financial's Portfolio Performance Manager, that he wanted a prepayment discount in the amount of $20,000.  [redacted] advised the complainant that he was not eligible for the prepayment discount due to a breach of the Business Loan and Security Agreement.  Notwithstanding, and merely as a customer accommodation, Fora Financial offered the complainant a partial discount, which the complainant did not accept.  However, the complainant continues to be dissatisfied and is seeking additional funds to which their business is not entitled. Based on the foregoing, we have found no wrongdoing on the part of Fora Financial or any of its employees.  We are, therefore, respectfully denying the complainant’s claims for additional payment of the prepayment discount, and any other demands or damages the complainant may claim in this matter.

Please be advised that Fora Financial is in receipt of your complaint to the Revdex.com. Fora Financial takes complaints of this nature seriously and has conducted a thorough investigation of this matter, which included reviewing the documentation you submitted to us and obtaining...

information from the Fora Financial Capital Specialist with whom you dealt in an effort to obtain working capital for your business.As an initial matter, we strive to provide our customers with the utmost in service and apologize if you feel we did not do so in this instance. Our records reflect that you initially spoke with our Capital Specialist on April **, 2016 and subsequently completed and signed a Fora Financial Qualification Application (“Application”) on May **, 2016. In signing this Application, you authorized the verification of information through credit bureaus and other sources as needed by Fora Financial and its representatives, successors, assigns and designees (“Recipients”), as well as the transmission of your Application to third parties, in connection with evaluating you for credit. Our Capital Specialist does not recall you stating that you did not want to be considered for funding by lenders other than Fora Financial. Ultimately, you were successful in obtaining working capital through another lender to whom Fora Financial submitted your application (please note that this lender is not a "sister company" of Fora Financial, nor do we refer to other lenders in that way).In light of the above, Fora Financial was authorized by you to submit your Application to other lenders and make credit inquiries in connection with your Application. Therefore, while we regret your dissatisfaction, we will be taking no further action in relation to this matter.If we can be of further assistance, please contact Fora Financial Customer Service at ###-###-####.