GreenStream Lending

I have called and emailed this company for the past 30 days to discuss my loan. No one ever returned my call or responded to my emails. I've called and held for 90 plus minutes and then the line is disconnected. When I first applied for the loan 3-4 people were calling me back to back trying to get me approved. Now that it's time to pay the money back so they don't keep charging me finance charges, no one is available to speak to. I will NEVER use this company ever again.I would not recommend this company to anyone due to the poor customer service.

Review: I received a loan and I would like to pay it off , but no one ever answers the phone I can't send an email for some reason. Customer service puts me on hold for 30-45 minutes then it says leave a message. They continue to take money out of my account every 2 weeks but I don't know when it will be paid I can't speak to anyone. But when I applied they called me within 15 minutes I believe they are taking advantage of people . I would like to somehow settle this matter ASAP.

Review: I have been trying to get on the site to see how much I originally borrowed and how much I still owe. I cannot get in so I try to have a new password emailed to me but I never get the e-mail. I try to call and it rings once and goes directly to voicemail to leave a message. I have been going through this for three weeks. I don't know if I should still be paying or they are randomly taking money because no one will contact me.Desired Settlement: I want the people of Green Stream to contact me to help me. And I dont want anymore money taken from my bank account since I have no clue how much I really owe them. If I being over charged I want money refunded as well.

Review: I got a $100 back in 04/2015. Haven't had the money to pay it off until now. They have been debiting my checking account since 05/2015 2 times a month on the 4th and on the 19th of each month in the amount of $41.48 which equals $82.96 a month finance charge on a $100 loan....okay great fine. But I have been trying since the end of 11/2015 to pay off my loan. I am feeling scammed!

Every time I called either the wait time to be answered was unreal or if someone answered I got put on hold and left waiting for 30 minutes or more then many times just hung up on. So I'd call back immediately and the line was either busy or again I got put on hold. I tried to access on line sent emails to which no one ever answered!

So on 12/02/2015 after numerous attempts to reach the via emails, phone etc... I finally got to talk to a woman who told me that I cannot pay off my loan with my credit card. I have already paid nearly $500 on a $100 loan. What difference should it make what form of payment I use to settle my loan obligation. I was never told that I couldn't use a credit card to pay off my loan, when I got the loan. On 12/02/2015 I called my bank put a stop payment on Green stream Lending (which cost me $30) and since I wasn't specific on an amount that Green stream Lending was going to deduct from my account on 12/04/2015 they managed to get another $41.48 out of my checking account.Desired Settlement: I wish for them to to refund me the $41.48 that they debited from my account on 12/04/2015, as well as, $200 of the money they've scammed from me since 05/2015.

Therefore the refund I am seeking is for $241.48 being the preferable amount for a settlement or at least the $41.4... the money they debited on 12/04/2015. They are scam artists, that know, if they avoid any contact attempts from the consumer be it by phone, email, or any other source...that...they can (and DO) continue to keep charging the finance fees. They literally make it impossible to pay off a loan!

I would also requets/require them to close my account and have no farther contact, with me, via phone, mail, email, text or any other contact source. I do not appreciate being taken advantage of and I believe that I am entitled to get some type of refund...If not all of it minus the $100 + 41.48 one finance charge for their lousy services. They need to be closed down for thier scamming crap!

Review: I applied for a loan on 06/22 and have yet to receive a decision or response back. I have spent approximately 6 hours on the phone this week only to sit on hold and then be thrown into a voicemail system. I have also sent emails to which I have received no response. I did get someone on the phone once and she just put me back on eternal hold . I would think as a repeat customer they would at least respond. It's unfortunate that I now have the opinion that Greenstream has the worst customer service I have ever encountered. I hope my complaint triggers some changes within the business and that I may actually get a response. They have all of my information and the lack of response or contact has me very concerned.

Business

Response:

We will double check and make sure what happened with your application. As of 6/26/2015, your application had been denied and denial email should've been sent out to you last week.Second email with deny reason will be sent out within 48 hours.Once again, we are sorry about inconvenience.Thank You

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

My application is still showing as pending which means your response is not accurate. This is probably why no email was sent and really doesn't explain the lack of response to my multiple emails and voice mails after spending 6 plus hours on hold last week.

Regards,

Review: For at least 5 days, I have attempted to call and email this company with concerns about my account. Every time I call, no matter the time of day, I receive a message saying "We are experiencing an unusually high call volume.. Your estimated wait time is more than 10 minutes." After about 10 minutes, it asks me to leave a message. I do, and never receive a call back. No emails are responded to. They debited only the "financial fee" on my last payday, and they are about to debit another "financial fee." They are continuing to roll back my loan, which I have NOT authorized them to do.Desired Settlement: I desire that this company contact me, and that they explain how much I owe, and my debt be settled immediately.

Business

Response:

Per our conversation with customer, payment arrangement was made for Principal amount only.Thank You

Review: Business keeps debting extended loan fees from my checking account. I did not agree to extending a personal loan of $200. 5 payments of $102.76 have been charged from my checking account as of 7/30/2014, I have tried emailing business & left messsges via phone calls. To no avail, no one will answer or return my messages or phone calls.Desired Settlement: Close out my account. Amount borrowed has been more than paid & such practices need to be dealt with extreme measures by our U.S. Government

Business

Response:

As of 8/22/2014, customer's account had been paid off and closed as requested.

Please let us know if you have any question

Thank You

Review: I borrowed $200.00 for a pay day loan on June 13th, I rolled it over one time, with an amount of $77.07, on as a service charge on 6/27/14. I have been calling, emailing, faxing this company since that time to request to pay them off. But I can't get through to them and they have been debiting my account every 2 weeks since 7/11/14 in the amount of $77.07 every time. I have also filed a complaint with Consumer Financial Protection Bureau, about this also, but haven't heard anything back, I filed it on 8/25/14, case #[redacted]. I get paid again on the 3rd of Oct. and they will of course take money out.Desired Settlement: The best case for me is to recover $462. from what they have taken from me. The worse case for me would be that they just stop taking money from my bank account and consider this closed. I just want it to stop.

Consumer

Response:

Good afternoon,

I do accept that Green Stream Lending is closing out my account. Was unable to do it online. I have also included some additional information for Green Stream Lending, about trying to make contact. The dates on the complaint were telephone calls (I would be put on hold and wait and get an automated voice message stating that I would be serviced within a minute but then it would automatically hang up) didn't have the opportunity to leave message or anything. The attached paperwork is me sending emails and fax but of course, I still never received any response and then the emails I would get to remind me of upcoming payments stopped coming. If you need additional information, please let me know.

Thank you, [redacted]

Business

Response:

Dear Ms [redacted]

We are currently investigating why you could not reach us by email or phone call. We don't have record of your contact on those dates you mention in your complaint.

We are checking our system to see what happen.

At this time, we are considering your account paid off and closed. There won't be any more transaction.

If you have any other question, Please give us call back at [redacted]

Thank You

I have called GSL several times an no one answered. I would like to pay off my loan. Also, I've tried to log in but the password that I entered didn't work. I'm sure that it was the password that I chose when setting up the account. I requested a password reset and saw a message that a temporary password would be sent to my email. I never received it. I'm really starting to wonder if this company legit. They definitely answered the phone when I applied for the loan.

I am going to give GreenStream Lending a positive review but there are a few things that need to be worked on. I want to start out by saying that I never borrow more than I can pay off on my next paycheck. Doing this keeps my interest down to a manageable fee. If you complain about the rates, you have borrowed too much and it isn't GreenStream's fault, it's your fault. Now, with that said...here are my complaints:

1) Customer Service is NON-EXISTENT-absolutely horrible. No one is professional on the phone. If you need a manager (like I did), you will NOT get one. I was given excuses like: the manager isn't here, the manager is on lunch, we don't have managers, etc. There should be a way to speak with a senior staff member, it's ridiculous. If you send a message through the website-NO ONE ANSWERS THEM...EVER!!!

2) I called to pay my loan off in full and was told my account was delinquent. This is funny because I didn't have a payment due yet. I had just received the money a few days prior. I explained this to the unprofessional customer service rep who talked over me until I said I would call back. She had a nasty response. I called back and asked for a supervisor. She asked why and I explained the issue. She connected me with someone who was marginally better. She did fix the issue but it took too many phone calls. When I call in I usually wait 30 minutes or more. If I send an email, I get no response. If they would train their staff better, it would be easier to get correct information. I am a good customer who pays in full each time I borrow. I should have a better experience when calling or sending email.

Review: Been trying to get ahold of this company since December this is by far the worst company I have ever experienced in getting a loan from I just want to know when will my last payment be for a $200 loan which I already paid you guys back $400 your phone system is a f[redacted] joke so is your online system so I don't know who will be able to get in contact with me it's just f[redacted] ridiculous to work with you guys if I can get a response from having to do this that's crazy so just please get back to me you guys well never make anymore only once you get exposed.Desired Settlement: Loan settled

Review: I took a $100 loan out from this place 10 months ago. They have been debiting my account for $50.78 every two weeks since then. I have tried numerous times over the months to pay this off. I have emailed with no response and have left several messages with no response. Emails are never returned and a live person never picks up when I call. It gets directed to voicemail and messages are never returned. There is not an option on the website to pay off this loan. This $100 loan has cost me over $1000 and I want this resolved.Desired Settlement: I would like my account debited for the loan payoff of $150.78 on the next due date and not have my checking account charged for anymore expenses going forward. OR, the company can simply close my account and not take any further funds from my account, due to these experiences AND the fact I have paid well over $1000 for this $100 loan. Thank you

Review: When I signed up to receive a loan, I asked for $300. I was told that I had to pay a total of $451 and it will be broked down in 3 payments. So I agreed and signed the contract. Once my 3rd payment came out, I tried numerous of times to contact the company and everytime I called, it says " your hold time is greater than 10 minutes" and after holding for 20 minutes, it sends you to voicemail. So I figure, 3rd payment is taken out, since it went so well, ill do another loan. So today, I noticed when I was getting emails everytime a payment was suppose to come out, my loan amount wasnt decreasing. So I told myself, I will not get off this phone until I talk to a real person, and after 1 hour and 30 minutes, and pertending I wanted to open a new loan, I finally talked to someone. Basically I was told, the 3 payments that came out only went to the principal and not the actually loan I requested. Then they mention I was suppose to ask about a plan to pay the loan off. This whole time im thinking im making payments on my loan and my money is going in the trash. I asked for a supervisor and she basically told me the same thing. She blamed me for information I didnt know and the $462 I made towards my loan didnt do anything to help make the balance/loan be closed. I cried because if I had known I was suppose to ask about a plan to pay the balance off, I wouldnt have, for 1, open another loan and 2. we wouldnt be here because I would of paid the loan off sooner. So I feel stupid and lost and hopeless because $462 of my hard earn money went no where! I asked and beg to help me. If not take what I already paid, at least take half in consideration and I can make 1 lum payment and be done with it. She told me no, I cant do that and I cant help you. I asked to speak to someone higher than her position and she basically told me she is the highest and once I talked to her thats it. I dont know if you can picture my situation but losing $462 is very painful, expecially with a baby.,Desired Settlement: I want all, or half, of what I paid already taken into consideration when it comes to my $300 loan.

Review: This company has taken out approximately $1,600.00 from my bank account for fees only for a $250.00 loan. I spoke with [redacted]/ later was told her name is [redacted] about stopping these transactions an a refund for overpayment amout of loan. Payback amount should be approximately $415.00. After holding for a period of time [redacted] returned to phone informed me my account was considered closed. Informed her fee for $98.54 scheduled to be taken should be cancelled. This fee has been taken out of my account bi-weekly since about August of 2014 to now.

Later called to speak with a supervisor (very unprofessional). Informed her I was due a refund for this overpayment amount. She said her name was [redacted] (??) in the Funding Dept. We argued extensively. The result of the call did not end in my favor. Michelle(??) informed me there would not be a refund. The last transaction of $98.54 would go through because it could not be stopped. Afterwards my account will be considered closed. I did not want any more transaction taken out.

I have closed my bank account, and reopened another account just in case this company tries to withdraw more fees. I asked [redacted] to transfer me to her manager, she stated there was no one else for me to speak with. She also informed me the owner of the company does not speak with customers, when I aked to speak with the owner.Desired Settlement: Refund check for overpayment of money deducted from my bank account over the $415.00 (???) pay back amount.

THIS COMPANY SHOULD NOT BE ALLOWED TO TAKE ADVANTAGE OF PEOPLE THIS WAY. I DO NOT UNDERSTAND HOW THIS IS ALLOWED.

Business

Response:

We already spoke to the customer regarding customer's request.All the financial transaction was happened under the agreement that customer signed when customer got the loan. We were not able to communicate with customer well and customer hung up the call.We tried to reach customer again but customer was not responding. Her account with Green Stream Lending is already closed.If customer continue refuse to communicate with us, we are not able to resolve this issue.Thank You

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,[redacted] I will not close this case until I am refunded by check overpayment for this account. GreenStream deducted approximately $2,000 within the past year for a $250.00 loan. I am sure fees for this loan should not be $1,750.00 for a $250.00 loan. My bank account had deductions of $98.45 withdrawn from my account biweekly for nearly a year. This company should provide Revdex.com with proof of these deductions. I can do this if GreenStream refuses this request.

This company has not contacted me by phone since I filed this complaint. Ths only contact to me was via email for an additional fee of $98.45 that GreenStream was not able to deduct from a closed account. Yes, I hung up on a representative to a phone call prior to me filing this complaint. The call was disconnected by me because I was refused refund for overpayment of fees deducted from my bank account.

Regards,

Complaint Id #: [redacted]

Review: I took out a loan for $150 and the representative who set my loan up led me to believe the payments would be bank drafted from my account to pay the loan off. They began taking drafts of $76.92 from my account. That happened twice, then a $77.22 draft and then $77.07. I have been trying to get in touch with them but would always get a "we are experiencing a high calling volume..." message. I never received any written correspondence from them (either US Mail or email) pertaining to my account, contract, or even that I had an online account to access. To date I still have not received a written copy of my loan contract. I have talked with a real person three times. On the second time the person was very rude and told me I was only paying to continue my loan. I told her that was not my understanding or agreement. I called back later the same day and that is when they told me I have an online account. This is the first time I had been told that. If this is not settled, I will be looking into the process for this company to be audited to see if their practices are legal. I have now paid $308.13 for a $150 loan. I want the $308.13 I have already paid to pay off my loan amount in full, my account closed permanently and no more deductions to be taken out of my bank account.Desired Settlement: I want the $308.13 I have already paid Green Stream Lending to pay off my loan amount in full, my account closed permanently and no more deductions drafted from my bank account.

Review: I got a payday loan from this company and I have not been able to reach them since. I attempted to pay the loan off two weeks ago. I called for a week straight and left voicemails and still haven't received a call. With no contact and reviewing other reviews of this company I'm certain this company will keep taking the finance fee and charging me I should no longer be charged.Desired Settlement: I wish for this loan to be adjusted as paid in full and to have no further contact with this business.

Review: I used this company to take out a payday loan and was told $77 would be taking out the first week and then $16 afterwards every two till my loan was paid off but $77 has been constantly being withdrawn out of my account from this company. I've been calling and have not got an answer so the issue can be resolved. I need to know all my info how much is paid now it was only $150 I got approved forDesired Settlement: I would like for the business to be contacted so I can speak to them also and see what is going on and I would like for the $77 to stop because that's not what I was told. I don't want to cancel my account

Review: I was approved for an $100 dollar loan from this company. The agreement was I could pay the fee of $51.08 or pay it off. They told me to call at least 3 days before my payday if I wanted to pay it off. The first time they took 71.08 out of my bank account, when they was only supposed to take $51.08. I have been trying to contact them for two weeks now. I have been calling and they put me on hold for 45 minutes and then a machine come on and tell me to leave a message. I left messages and nobody has called me back. I tried to login to my online account and it says I have the wrong password and I dont. I clicked the link that said forgot my password,and it says they sent me a link to reset my password. I check my email inbox and spam and they never sent me the link. I had to put a stop on my bank account that my direct deposit go to. Maybe they will contact me.Desired Settlement: I want to pay them the $100 with no more fees added because I have been trying to contact them and the have already taken $71.08 . They shouldn't tell people to call 3 days ahead of time if they want to pay off instead of paying the fee, and then it's impossible to contact them. I want this company out of my life and my bank account.

Review: I received a 100.00 loan from the company a month and a half ago. When I originally signed up for the loan I was asking for 1,00.00 and was awarded only 100.00 with the promise that if I agreed to the 100.00 that the other 900.00 would be given to me after paying on my loan 2 times on time. they have been taking money from my account and my loan is paid off ive made numerous attempts to get in contact with someone via emails and phone calls. no one has gotten back to me. I think its bad business for a company to make promises and don't fulfill them they take money from my account and I cant reach anyone to discuss my affairs. I think this is wrong and I would really like for this issue to be addressed im really upset and would never do business with this company againDesired Settlement: I would really like to speak with someone from the company as soon as possible im really in the dark with this whole situatuion

Review: I requested a loan from Green Stream to help myself through a tough time. And the way that it was explained to me on how they were going to collect their money back was to automatically withdraw roughly $[redacted] from my checking account every two weeks. But since then I have noticed that they took a rough estimate of $[redacted] from me, and the loan amount was for only $[redacted]. I have already contacted them as of 10/14/2014 and they told me that all the money that they have been taking out of my account has been for some financing fee's for them to withdraw money from me.Desired Settlement: What I would like to see done is the extra money that they withdrew from my account to be refunded and my loan which I have paid off in full to be terminated.