GreenStream Lending

Review: I took out a $300 payday loan and was told if I wanted to pay more than the interest/fee, I would need to call or fill out form online. I tried calling this company numerous times. The line would ring busy, if I got it to ring, I would get a greeting that stated "we are experiencing an unusully high call volume, your wait time will be longer than 10 minutes." I was on hold for 40minutes before I hung up and tried again. Same thing occurred for 2 days. I finally got someone to answer, however, all she did was ask to verify my SSN and put me on hold for, w/o ever intending to pick back up (30more minutes on hold). This happened twice. I attempted to log-in to my account, however, it kept stating that my log in was incorrect and when I requested a change , the website stated that I would be emailed my password. I never recieved any correspondence from this company. I can't get through to them via phone or email and they will continue to debit my account. I have to close my account now and open a new one.Desired Settlement: I would like my account settled and closed,, I have already paid back the loan in the form of the "interest/fee" totaling $308. I will not pay any more interest.

Review: To Whom it May Concern:

I have asked twice now to pay off my loan with Greenstream Lending. NEITHER time was this done. I thought the first time that it was my mistake but now I know it is not because now that I look closer to my account there is a transactio( that shows the pay off pending three months ago. So by my calculations this loan was supposed to be paid off in August and I have been over charged. I have called several times and just get an operator stating first that there is a five minute wait period and then a ten minute wait period and then I get hung up on. I have also called one of the extensions that is in the emails I have received before and left voicemails and not received a single call back. Will someone PLEASE explain to me why they are not paying off this loan and just keep extending it? I have now asked for a third time through the website for it to be paid off this Friday and am hoping they do for once pay it off even though in my opinion they owe me $259.66 (the over charge minus the $100 to pay it off).Desired Settlement: to pay off my loan and be done with this company

Review: In April I received a payday loan for $100.00. I have tried since July 08, 2005 to get in contact with them to pay it off. Every two weeks since April they having been taking $51.38 out of my checking account. Durning this time I have had to take a Medical disability retirement due to Diabetes and Sixth Nerve Palsy. With sixth nerve I have had to wear an eye patch because my eyes are crossed, so I really was not able to see.Desired Settlement: If the 51.38(411.04) taken out of my checking account from August to current could be credited by to my account.

Review: I received my 1st loan with this company (Green Stream Lending) approximately a month ago. When I initially called and pressed the option for a new customer, I received someone on the line in no time. I was granted a loan with no problem, and paid it off completely (interest and all) on the very first due date and got the same $100 back. Now mind you all, it took me several attempts of being put on hold (at some times over 20 minutes), only for the phone to go to voice mail after holding for ever until finally I got someone that set me up to pay the loan off in full. Now this week, my second loan was due on today (4/23/2015) and per their rules, I contacted them on Monday (because you are suppose to contact them at least 3 days prior to due date of the loan) to schedule your payback option, either pay back in full or interest only, so I contacted them not only by phone but also via an email and fax to let them know I wanted to pay the loan back in full. I had to leave a new voice mail sating that I wanted to pay the loan off completely when I called because no one answered and after doing all this (faxing, leaving a voice mail and emailing) they still took only the interest out of my account. I tried calling them today several times to try to understand why they did not honor my request to take out the full amount because I was told I could email, fax, or call to schedule payback options. I AM HIGHLY FRUSTRATED WITH THIS COMPANY. THEY ARE VERY UNPROFESSIONAL AND I HAVE NEVER SEEN A COMPANY THAT BARELY ANSWERS THE PHONE AND WILL NOT RETURN MESSAGES, AND I NEED TO BE ABLE TO CONTACT SOMEONE BY THE TIME MY NEXT PAYMENT IS DUE (ON MAY 7TH) SO I CAN PAY THEM BACK THIS DARN $150 AND BE DONE COMPLETELY!!!

Business

Response:

Per conversation with customer, Customer will pay off the loan on following due date by paying principal amount of $100.When this transaction clears, customer's account will be paid off and closedThank youGreen Stream Lending

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,

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 originally filed a complaint (ID # [redacted]) with this company with you all on 4/23/2015. they were contacted by you all, in which they in return contacted me by phone and I accepted the resolution with them through you all (the Revdex.com) for them to deduct $100 out of my account today and my account with them would be considered settled and closed. HOWEVER, AFTER CHECKING MY BANK ACCOUNT THIS MORNIG, THEY FAILED TO KEEP THIS ARRANGEMENT, AND HAVE YET AGAIN TAKEN ONLY THE FINANCE CHARGE FEE OF $51.38 OUT OF MY ACCOUNT. NOW I AM BEYOND FURIOUS! I AM ASKING THAT YOU ALL PLEASE FOLLOW-UP WITH THEM ON THIS MATTER AS SOON AS POSSIBLE! I AM FURTHER ASKING THAT THEY NOW ACCEPT ALL THE MONEY I HAVE PAID THUS FAR AND CONSIDER MY ACCOUNT PAID IN FULL. CONSIDER MY LOAN PAID IN FULL AT THIS POINT!!!

Regards,

Business

Response:

Per our conversation with customer, customer's account is consider closed.Thank You

Review: On 11/27 received $100.00 from them. Spoke with a young lady on the phone that explained that I could call in and pay the loan in full 3 days before the due date. I told her several times that I would be paying it in full on 12/04. I tried to contact the business through both email and telephone on Tuesday, 12/01 and was unsuccessful. On 12/03 a charge of $50.78 was sent to my bank account. My actually payday is on Friday so I'm not sure why they sent it on the 3rd which was a Thursday. I have continued to try and contact them and still have been unable to do so. I am concerned that they will continue to try and take money from my account and days that aren't my payday which is causing me to have overdraft fees. I really just wanted to pay it back on be done with it.Desired Settlement: To repay the $100.00 and be done with it. The $50.78 should be interest.

Review: I applied for a payday loan online through Greengate services (www.greengateservices.com) for $300 initially as I was behind on some bills due to a medical complication. I was declined for $300 but was offered $200. I was happy with this and went through the phone call verification / employment verification and they called over and over to verify the same information. I was busy at work, so didn't think anything of the fact that the second time I received a call was actually from a service called "GREEN STREAM LENDING". I went through all the motions again (like I did with green gate) and was approved for $300. I received the money and began paying back finance charges. On my bank draft, I found it ODD that I was paying finance charges to 2 different places (greenstream and green gate). $90 to green gate and $101.77 to green stream. Thinking they were the same thing, I kept allowing automatic drafts from my bank. When I had a difficulty paying them back, I made payment arrangements to pay off the $500 with a [redacted] via email paying $107 a month until it was paid off. This was on 5/11/15. Oddly enough as those charges went through on 5/18 for $107 and again 5/29 for $107, I kept getting charged by green stream for 5/15 $102.76 and 5/29 $102.76. I made arrangements already and am still getting scammed for money from this other organization??! I can't afford this! As a single income family with 2 kids, this absolutely broke us. All together this venture has cost me just about $1000 when all I was trying to do was the right thing to pay the loan(s) back. Please help, green gate must have somehow sold my information to someone else who jumped in during a desperate moment to scam me out of money.Desired Settlement: Truly, I just want to continue to honor paying off this loan with greengate (who claims all of the $500 is due to them), and to get rid of whatever this greenstream lending scam is. It can't possibly be legitimate considering I never initially contacted them for a loan. I contacted green gate services only and somehow they jumped aboard and took advantage. I want these mysterious charges I didn't authorize to STOP. Contacting them does no good, they don't respond yet just keep charging me to "extend my loan" with highly vague emails that are barely legible. My family and I are sinking because of this so the situation is dire.

Business

Response:

As of 6/8/2015, Your account with Green Stream Lending is closed and consider paid off.Thank you

Review: I have called this company everyday, at least 10-15 times a day. I sit on hold for 20+ minutes at a time and no one ever answers it will either go to voicemail or simply hang up. Today on my last attempt before a file in this claim someone answered and said they don't know how I got on their line and then they hung up on me before I could say anything else I am simply trying to pay back my loan. I have been trying for the longest & they charge my account yesterday. Had they answered, that wouldn't have happened and I would have paid back my loan. Obviously the point of their business is to take money from people who are honestly trying to pay the loan back in a reasonable amount of time.Desired Settlement: Simply allow me to pay off my loan so that I no longer have to deal with your company.

Review: I took out a $100 payday loan, I was told very briefly about the terms of the loan, and I asked whether my loan agreement pay back dates payment options will be available on Green Streams site, I was told yes. I cannot logon to the site I have sent five e-mails stating I need assistance with my password and/or a written copy of my loan agreement, I have received no response. I have called three times, one time I was on hold for 20 minutes and I had to hang up to go back to work, the other two times I finally reached a human explained my problem and was put on hold again and then disconnected!Desired Settlement: I want access to my loan agreement and payment dates and the loan terms, I want a phone number or e-mail of person at this business who will answer inquiries, in reading the other complaints this business seems to say you can pay off your loan at any time but then makes it impossible for you to reach them, I want to make sure I don't run into this problem.

Review: I am trying to pay an account in full and the company does not respond to phone messages (b/c they don't pick up they say you are waiting to speak to someone then it goes to voice mail and they never call back). I have emailed several times and no response. I see that this has happened before by the complaints. Unacceptable business practiceDesired Settlement: I would like to be credited the charged accumulated while I was unable to get a hold of them and pay off my account .

Review: I borrowed $[redacted] from [redacted] which was opened in July 2014 after closely reveiwing my bank statements I discovered that more than the amount borrowed on the loan was taking out. I called customer service to dispute the charges I spoke who bascically told me that there is nothing than can be done I then ask to speak to a supervisor by the name of [redacted] at [redacted] ext [redacted] who closed the account. I added up all the payments on my account and to my surprise they had been taking out $[redacted] on a starting from 7/25/14 -10/03/14 on a $[redacted] loan I then called back to clarify the full pay back of the loan which was $[redacted] I was out rage that they can get away with something like this. I feel this loan was a total scam.Desired Settlement: I feel this loan was a complete scam and would like my overpayment of the loan amount of $[redacted]

Review: I have been trying to contact this company about the fees they have been taking out of my checking account and for the last 5 weeks I have left voicemail messages, emails and filled out webforms and still have not received even one response back, but they still have no problem taking money out of my bank account. Since 12/31/13 I borrowed $200 and so far they have taken out 1393.97. I was never told that a $200 loan would coast me so much. I cannot believe they can take so much out of my account, but have not responded to all my messages within the last 5 weeks.Desired Settlement: I am asking that the company respond to me and also pay back to me $1000.00. In doing this I still would have paid them $393.97 which is almost double of what I borrowed. This company has completely ripped me off and than has nto responded to any phone calls and when calling no one answers the phone. I need the $1,000 back ASAP........

Review: I applied for a payday loan on Thursday, May 28, 2015. On Friday, May 29, 2015, a representative contacted me to obtain more information. She stated that a decision will be made in 15 minutes and she will call me back. I have attempted to call the business number on Friday, Saturday and Monday, as well as sending three electronic correspondence on Friday and Monday, to find out the status. 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. I have requested, in writing and via voice mail, that they cancel my pending application, to ensure that no financial fees are debited. Since they are not returning my voice mails or responding to my call, I am very concerned that they are going to list the loan as active -- despite my NOT AUTHORIZING any transactions.Desired Settlement: I would like to have an agent contact me to verify that my application has been cancelled.

Business

Response:

This is confirmation that your Loan application is cancelledThanks

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 took a loan of 200 dollars from this companie and they have charge me 618 dollars 6 payments of 102 dollars I have been trying to contact them but no answer from them.Desired Settlement: I want my money back and I also want to talk to them

Review: I have repeatedly tried to contact customer service to repay my loan, to reset my password and to find next scheduled payment. I can not get ahold of anyone for current customers. I have called 22 times since 10am on 11/20/2015 holding for more than 20 mins at a time. The only ones that answer is for new customers. I have tried for a week to get ahold of them, emailed, called no response. All I want is to reset my password and pay my loan in full.Desired Settlement: TO PAY MY LOAN

Review: I accepted a payday loan from this Company back in either the End of May or beginning of June and have been paying over $120 every two weeks since, and I'm sure at this point I've paid my loan back twice over. I have attempted several times to get in touch with them to find out how much I owe to pay it off so I don't have to continue paying their ridiculous fees, however getting in touch with them is impossible. No matter when you call (even if it's first thing in the morning when they open) you get a recording saying that there is a long wait due to higher than usual call volume. After waiting on hold for a little while you're eventually disconnected and have to go through the process all over again. I've gone so far as to choose the option to speak to someone about getting a new loan, and of course they answer that one every time. When you let them know why you're calling and how no one answers they say they need to transfer you, only to hold some more and be disconnected again. This process makes it seem as though they aren't interested in providing the option to pay off the loan and avoid the extension fees that add up quickly.Desired Settlement: At this point I'd be satisfied to have the account closed and considered paid so that no more money is taken out of my account.

Review: I contacted the business 2-3 weeks ago with regards to my account. I informed them that they have taken out more than what I owe and would like to consider the account closed. The current rep transferred me to a very rude manager stating that they automatically extend the loan and was supposedly in the contract I signed. I informed the rep/manager that if they don't consider my account closed after the pending payment that I would inform my bank to decline their future attempts or seek legal action. The rep/manager informed me that if I did do that they would send my account to collections which I informed them that I don't care and would still seek legal actions for breaking the signed agreement which I have a pdf copy of from their website. No where in the agreement that I signed did it state that my loan would be extended regardless of any verbal agreement on my part. At NO point in time did I request an extension of the loan at the time the loan was due. During the call we had agreed that the payment posted on 6/18/2015 would be the last and my account would be considered closed. They have charged me again and my account is still considered open. I would prefer that they refund me all the money they have charged me other than the agreed payment amount. I am not going to pay this company anymore and will inform my bank to deny any requests from this company. I will seek legal action for a breach of contract if I have to.Desired Settlement: Close my account and refund me the money charged from 2/01/2015 - 6/30/2015.

I received an email in my spam folder from this company. It a a loan document for $500 that contained an address that I hadn't live at in 2 years and a checking account that I have had in 5 years. I also received several phone calls. I called them back and told them that I did not apply for a loan. They said that I wasn't in their database and that they would put me on the do not call list. They told me that I should receive an email confirming that I had been added to the list within 15 minutes. I never received an email and I was called again later that evening. I'm very concerned about being vulnerable due to this experience.

Review: I have called numerous times to completely payoff the loan amount. However, I am placed on hold for over 25 minutes at a time and when I finally get someone to make a payment I am placed back on hold and no one picks up to complete the request.

I should not have to chase them to make a payment but I am and I am tired, I will block them from accessing my account if the matter is not resolved by the close of business tonight! 12/4Desired Settlement: LET ME PLAY TONIGHT OR I WILL BLOCK THEM FROM ACCESSING MY ACCOUNT AS I TOL THEM FROM THE FIRST DAY I DO NOT WANT PAYMENT ARRANGEMENT BUT TO COLLECT THE FULL AMOUNT ON THE 4TH!

Review: I have tried many times to call this agency, but I never get through to talk to anyone. Whenever I applied for the loan it wasn't an issue at all. They have took money out of my account twice; I am ready to pay this last portion and close this account.Desired Settlement: I want to pay this small portion owed and close my account.