GreenStream Lending

Review: My problem with this company... I had taken a personal loan of 50.00 dollars out with is their practices in paying the loan. at the time of the initial loan, I told the that I wanted to pay the loan down by a certain amount each two weeks until I could afford a payoff. They agreed and have been taking my payments, after logging in I have discovered that none of those payments has been applied anywhere to the principal and the loan has not gone down one cent. These are not good business practices and add that to the fact that you can never get anyone on the phone for customer service. I almost feel like I should just stop paying them altogether.Desired Settlement: I would like to be contacted to find out just where the initial communication mix up happened and how they wish to resolve the problem or do they want me to just stop paing it?

Business

Response:

We just contracted customer and verified customer's loan status and payment option.Customer will contact us or set up the payment online when customer decide on payment option.At this time, Loan will be extended on 6/26/2015 with extension fee.Please let us know minimum 3 days in advance to set up or change the payment amount.Thank You

I applied for a loan on 9/17/2014 with Green Stream Lending, I was approved for 150.00 with finance and other fees a total of 226.33. Since 9/17 they have taken out 77.07 which equals out to be way over the original amount taken, total 384.61. When I called to talk to someone they were completely rude. The lady I spoke to told me that they sent emails which they never did, she talked over me many times. I want this account closed and they will not comply.

Review: I took out a loan on 1/7/16, decided I did not need the loan so I tried calling them back. I called several days and the phone would just ring. When I finally was connected with someone they put me on hold again, when asked what the problem was I told them that I wanted to pay off the loan, I'm placed on hold again. The loan was for $100, plus the 50 dollar fee they take out first. Now they have taken it upon themselves to renew the loan without my permission charging me $50 extra when I have repeatedly told them I want the loan paid off. On 1/28/16 the full amount was supposed to be debited from my account but they changed it and renewed the loan again, which I did not ask for charging me another 50 dollars. Now this Morning 1/31/16 I am calling no answer so I attempt to pay it off online and it says payoff pending for 2/12/16 and 2/26/16 I have screenshots. I just want the $100 dollar loan paid off and for them to answer the phone. I will never do business with this ghost company again. They keep taking money out of my account without my permission not once did I agree to them extending my loan payment.Desired Settlement: I would like to pay what I agreed to which was $150 dollars, I did not ask for them to renew or extend any loan. They play phone tag place you on hold then they hang up. when I applied for the loan I had several calls now they don't wanna answer the phone. I also have the original messages that they sent me stating the loan amount would be taken out for $151.38 and they felt the need to extend without my permission.

Review: I need to file a complaint about GreenStream Lending. First of all, I was on hold for an extremely long time, and when I finally got a hold of someone, I asked them to change the date of my next payment, which they refused to do. Please HELP!

Please call me at [redacted]Desired Settlement: see Attached document

Review: I recieved a loan from greenstream lending a few months ago, after I paid my loan off the company continued to take 25$ out of my account.After finally getting ahold of someone the lady was rude and told me they were going to continue to take money out of my account until I paid to close it. I now have to close my bank account. This company still owes me 75$Desired Settlement: 75$

Business

Response:

As of 3/4/2015, you account is consider paid off and closed.Thank YouCustomer ServiceGreen Stream Lending

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.

I am satisified for the most part, to resolve everything I would like the 75$ that they had know right to take back in my account, if not possible I am satisfied with closing of the account

Regards,

Review: When trying to get in touch with this company to pay my loan off, it is NEARLY IMPOSSIBLE!!! This is the 3rd week, I've tried calling and no matter what time of the day or evening I call, I have never been able to reach anyone. There have been times I have been placed on hold for over 20-25 minutes at a time only to be then put through to an answering machine wit NO ONE returning any of my calls. They have taken the finance charge only out of my account twice and I am ready to pay them off and be finished dealing with them. This has been and still is beyond frustrating!!!

Business

Response:

Per our conversation with the customer, payment arrangement was made.Thank You

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Review: I have been trying to contact this company for a week with no successful attempts. Every time I call I am placed on hold for a substantial amount of time and then a recording comes on and tells me to leave a message. The reason for my call is I was told by a representative I was approved for a loan, however I have yet to recieve the loan and I want to make sure I wont be charged any fees and that my information is shredded because it should not take this long for funds to be placed in my acct. After reading the previous reviews I no longer wish to do business with this company and would like to make sure they dont put anything on my credit or try to acess any fees for their lack of services.Desired Settlement: Contact me to notify me either through voicemail or email and let me know that my personal information has been destroyed and that their is no acct for me with their company.

Review: Where do I start. I contacted via email to Green stream leading , I have borrow pay day loan off and on for over 10 years. So I don't complain very offened but I feel this is one that needs much attention. Green stream lending told me via phone after I emailed I recieved a call about borrowing money. Green stream said it would be 250 dollars for borrowing 500.00 dollars. And that would come out first them 3 payments on payday. The first 250 interest would come out next payday which was about 3 days away. I told them no I would not do that. Thats just crazy. I clearly stated I am already having trouble with unaccepted bills and I am having a hardship. And to borrow now and turn around and have 198.00 taken out in 3 days would not work for me. Then they put me on hold and a lady come on the phone stated they could offer me a discount amount of 198.00 for first payment which would be interest up front and then 3 intallments . First payment 2 weeks away around 14 days . Which I though sound reasonable. I Stated to the lady only 198.00 interest. She assured me that was how it worked. So I ok to processed. First payment was 300.00 dollas. The second was 157.00 and the third was 157.00 I called because I expected 250.00 so I called and they said the 157. was only more interest on the balance of 400.00 . So after the 157 times two which is 314.00 . I still owe 400.00 dollars . I said I already payed the interest up front and there was to be payments for principle to be made off. They told me that I was to have full loan payed off in full at time I payed the 198.00 . I explained to her I was told something different and was not happy and want to make a payment of 200.00 now. They said it would not make a different and that would be applied to more interest. So I told them to take out 400.00 next payday. And two weeks after that they took out 217.00 for more interest. So I borrow 500.00 and payed 729.00 in interst. Which put me in a further hole. This is an out rage. Green stream is robingDesired Settlement: Green stream is robing money from vulnerble American people. What happen to a government that protected us from companies like this. I am a single parent . What happened to the government protecting hardworking tax paying American from these kinds of companies. This is pure robbery. What happened to the government fighting for the people for the people.I believe they should honor what they said. I pay 198.They should return 531.00 dollars and be fined for doing this kind of business.

Review: I called on 2/10/16 to pay off the 300 dollars I owed on my loan. On 2/5/16 they had debited my account for just the fee that they charge. When I called I was told I had to wait to pay it on 2/19/16 and pay the fees again. I had a loan with them before and was told that I could pay it off and not have to pay a fee again. This time however, I was told that was a one time courtesy. My issue is I should have been told up front the first time that it was a one time courtesy. I have done business with them for over a year and outside of not being about to get a hold of someone in a decent amount of time, I have not had any issues. I think it is unfair that this time they would not just take the 300 dollars out of my account. Instead I agreed to pay the fee again, one week later instead of two weeks and the whole loan amount. I was also told that there was no one else I could speak too and a supervisor would not be in until 2/11/16, which is total crap as well. I definitely do no recommend them and will never do business with them again. I also asked to be opted out of email solicitation. I was initially basically told I could not pay off my loan early as well.Desired Settlement: I would like the fees to be taken off of the payment they are going to receive Friday 2/10/16 and just the 300 dollars taken out of my account. If nothing else they can reduce the fee by half since I am not going the full two weeks to wait to pay them.

Review: I have been on hold for over an HOUR trying to speak with a manager regarding the horrible customer service I’ve experienced since I received this loan! I have left several messages for someone to contact me to no avail and I’ve attempted to reach someone as you all continuously have a “high call volume.” I presume so due to the illicit practices you all force upon your clients. I’ve never had to deal with a business this unprofessional in my life. I can’t pay off my loan or make payments towards my principle because no one ever answers or I’m placed on hold. Two payments were withdrawn from my account on 3/13/15 without explanation and I contacted your toll free number and left messages for someone to contact me and that has yet to be done. When I applied for the loan I spoke to 3 people within minutes but trying to pay off my loan or contact you all is a headache! I would like to express my extreme displeasure with the financial lenders, Green Stream Lending. I have never experienced such shady and unprofessional people in my life. I have had the worst experience with this company and their employees. They are extremely rude and incompetent! This loan company is A SCAM!Desired Settlement: My account settled and closed

Business

Response:

Upon review of your account, we decide to consider your account paid off and closed as of 4/10/2015.Thank YouCustomer Service DepartmentGreen Stream Lending

Review: I took out a payday loan of $200.00 back in May. The website offers an option to extend the loan, which I have done up until now. I made attempts to pay off my loan in full, however, the website does not offer that option. I tried contacting the business via phone and email with no response (phone has the same message of high call volume). Furthermore, the latest withdrawal from my banking account was never authorized by my signature/phone confirmation. It's clear that this business is trying to cheat people out of money by not allowing them to settle their debt.Desired Settlement: To be able to pay the loan in full, and have no additional fees withdrawn from my banking account.

Review: I received an email from this lender on 9/10 stating that they have received my request for an extension that I have not applied for. It stated that they was just going to take the processing fee out and my next payment is due 9/25/2015. They took $142.00 out of my account and I cannot seem to get anyone on the line to speak with regarding this. I never requested for a date extension and I am not sure as to why more money was taking out of my account than what was emailed to me?Desired Settlement: I would like someone to contact me back and let me know what is going on. I would like a number that will actually get me to a live person verses me emailing or leaving a message just to not receive any return correspondence.

Review: I recieved a loan from this place for 200 and they said I would have to pay back three which is fine with me. They then extended my loan payment without me signing anything which makes me pay another 100 dollars and on top of that my I got an email saying my loan for 1300 is waiting for me to sign. I never applied for a loan of such sort. iwant my account closed and to be credited back the extra hundred dollars they got from me. its not right what they do. I just want my account closed thats all I want and I dont ever want to deal with them again. everytime I call they dont answer at all. please just close my account and lose my information I will pay the three hundred but I dont want the extension or anything else. I have sent them many emails. and not reply please just close my accountyDesired Settlement: close my account and I dont want to pay for the 100 dollars I didnt for and a phone call

Review: I called them on 02/02/2016 to queries on my loan. How much balance do I owe?

1st attempt, a collection department answered and she can't verify it. Told me to call the same number & press 2, which I did and got transferred to her. So I called again and was put on hold for more than an hour with 2 different person answered briefly just to put me on hold again. You can see my frustration when I can't even get an answer to how much I owe to the loan. My intention was to call them, ask how much left of it since I made 4 payments to it and go about making a full payment so I am done. But NO, I was put on hold with NO help, NO idea how much of it left. This is ridiculous especially when the actual loan is $100 & there's 4 payments of $51.83 made religiously. Just how hard is it to verify to me HOW MUCH MORE LEFT TO THE LOAN?

Review: I want my loan rescinded because I didn't sign their contract and cannot afford to oay the interest they are attempting to have paid... However the company has deposited money into my account and I am not able to get ahold to anyone and don't want to close my account which would create more problems.Desired Settlement: in writing I want this company to take their money back and and only the principle because I didn't agree to have the loan

Review: I have been emailing and trying to get in contact with them regarding to loans that I have. I have been trying to pay them off. I have been getting the "extention fee" taken out of my account every 2 weeks for the past at least 5 months if not longer. These accounts should I been paid off. The amount of money I have given them and they have taken from my account they should be closed. I need to know if these accounts are being closed since I have paid well over $700 if not more for one loan ahich was $150 and the other loan which was 100. This is just ridiculous!!! Like I said these loans should of been paid off I was told in the beginning that they would only that 3, 4 max payments out of my account and then they both would be paid of!Desired Settlement: I honestly just want the accounts closed. I would love a refund for the extra money that has been taken out of my account. I however doubt I will get it but my main concern is that BOTH accounts are closed and they send me an email stating that they are closed and no more money be taken out of my account!!

Review: I borrowed $100.00 from this company on 10/17/14 . My intent was to pay it off the first payment. $151.00 and some odd cents. I couldn't pay it off the first payment as I thought, so they roll it over and charge the interest and debited me $51.48 on 1/5/14. Immediately after that, and for the last 2 months, I have attempt numerous times through phone calls and e-mails, to be able to pay off the amount total due, of $151.00. I have sent e-mails with high priority,no one responds to the e-mails and I made so many phone calls, from work, from home and I cannot get through, it puts you on hold, telling you that there is a wait of more then 10 minutes (it doesn't matter what day or time of day you call) . So what they have done is debited my account 51.48 4 more times for now a total of $257.40. This is out of control as they have made $157.00dollars off me already. I have contacted my bank of America representative and they have put a stop on them being able to debit again. This company is stealing from me. The phone calls that I make, if I press "new client" they answer and I try to explain what I need, they immediately transfer me to the other department where I am put on hold for 10 minutes, then told to leave a message because no one can help me! This is fraud at its best. they do this so they can keep taking money from my account, and from what I read from other complaints, it is the same thing with other people. They think they can keep debiting my account, but they cannot. If this is their practice, I can only imagine how much money they are stealing from other people.They are not registered with the [redacted] to do business here, so I have reported them to the SoS, The Attorney General of California and Illinois. This has to stop!!Desired Settlement: This contract is done. They no longer can remove money from my bank account. I want them to close this account with the $257.00paid to them as paid back in full. I will accept nothing less then that. They WILL NOT take 1 more penny out of my bank account.

Review: I received a $200.00 loan, under the impression that by my third payment of $102/$103, the loan would be paid back. When I tried to login to my loan account I couldn't, I requested an email reset several times, and it would not reset my password. I called Green Stream and they manually reset my password. When I reviewed my account it showed that I still owed $300- totaling $600 that I would have to pay back. When I spoke with Green Stream I was told that the only way I could get my account down to zero was to pay the additional $300.00. I was unaware that my account was set up as a roll over, meaning the money that was drafted out of my account was only going to the finance fees. Why would I pay $600 for $200 (cash that was deposited into my account? When I asked about the other payback options, other than roll over, I would have only had to pay around $350.00 total. I have paid around $320-330 total since 8-15-14. They said that I was receiving emails and reminder phone calls. The only email I have from them is the account set up info, and nothing since. When I asked about phone numbers/messages, their response was they had called and was not able to get ahold of me. They even had phone number listed for me that does not even belong to me or anyone else I know. When I asked to speak with the managers, manager I was told she was the last stop.This is deceitful, I feel like I'm being taken advantage of, and stolen from. "If I had only changed the payback status I would have only paid back around $350" Shame on me!Desired Settlement: I am not looking for any reimbursement. I have paid the money back that I borrowed, and the finance fees. I want the account brought to a ZERO balance, and for no more money to be drafted from my personal bank account.

Review: I had tried to reach out 7 times to the company through email, phone call and there website to contact me back about my loan. I have requested multiple times to pay the amount in full but they keep debiting me the amount of the finance charge and intentionally extending the loan to have me pay more than agreed upon.Desired Settlement: I would like a call back from the company preferably from management and also want a resolution on either refunding me amounts that they have taken from me or the difference paid only on what the amount would have been if paid in full several amounts ago.

Business

Response:

per our conversation with customer, arrangement had been made on 6/29/2015.Thank You

Review: I got a loan through the company and was told that they would do one payment would be done and then my next pay check they would take out the rest to close out my account, they have been taking money out every paycheck. I cannot seem to get a hold of them. They send me e-mails every once in a while to get into my account but I can never access it. I can't seem to get them to stop.Desired Settlement: I want them to refund me the money they have taken out of my account since they opened it besides the two payments that were arranged and were to suppose to pay off the loan. I also want them to stop doing this to other people.