iLendingDIRECT, powered by Fleet Financial

Dear Mrand Mrs***, We appreciate your time and thank you for communicating the situation to usPlease accept our apologizes for the experience you encounteredWe can appreciate your concerns and I would like the opportunity to work towards setting your mind at ease in regards to your personal informationHere at iLendingDIRECT, we pride ourselves on ensuring a good customer experience, though understanding and communicationI would like the opportunity to discuss and learn from this situationIf I may, please request a call or e-mail from you at your earliest convenienceI can be reached at [redacted] or e-mail me at [redacted] Thank you for your time and partnership in advance

We had cut a check to Mr [redacted] in NovemberAfter research, it doesn't look like it was clearedWe have resent a check in the amount of $

Please accept our deepest apologizes for the gap in time from the last contact that you had with usHistorically we get back with our consumers with in a timely fashion and communicate the progress of the dealWe appreciate you reaching out to us and thank you for your timeThank you for your time this evening and we appreciate you speaking with our Customer Advocacy Director about the situationWe look forward to assisting you with your auto refinance needs in the futureAs mentioned during this evening’s conversation our Customer Advocacy Director e-mailed you with her information So when you are ready to reach out please contact her and she will connect you with a SrLoan Consultant assist youMany thanks for your time and partnershipTell us why here

Thank you for your time and comments in regards to your experience with my organizationI am glad we were able to connect, discuss the situation and work towards the future togetherWe appreciate your partnership and look forward to assisting you with in this upcoming month with all your auto refinance needsYou are working with one of the best loan consultants in our company and she will continue to counsel and guide you so, that we may structure the best deal that will fit your needs and savingsThanks again for your time and partnership

Complaint: [redacted] I am rejecting this response because: At this time nothing has been resolved, but we will reach out to the business and provide documentation as to what occurred and update the Revdex.com and ask they do the same In addition to contact with the business we will be asking that any hard pulls to my credit as a result of this transaction be removed from the credit bureaus, as we were never made a loan offer or provided the terms despite being told there was one, and the loan consultant declined that loan on our behalf without our consent.Again we will reach out to eh business in the next hours , provide any documentation to help address the concerns and update the Revdex.com, Sincerely, [redacted] ***

Our letter states it is from the motor vehicle division of iLending DIRECTWe tried to explain this to the customerWe did instruct them that they could opt out of future mailing is they were not interestedThey then proceeded to call back multiple times looking for anyone else to speak withOur representative stated they couldn't transfer to the President of the company but they would take a message and have the correct person call back.At this point, the customer became upset and didn't like the answer that they were given

We received the request from Mr [redacted] on January 13th to cancel his loanIt was processed internally the same dayThe cancellation check was sent via [redacted] the same day [redacted] shows as delivered on Tuesday of this week due to Monday being a Federal Holiday and all lending institutions being closedThe request to cancel the GAP insurance on his other loan, the Silverado, was also received on Friday, January 13thAs it is stated on his contract, the refund of the GAP policy is sent out to his lender as they are the party that paid for it in his loanIf his loan has been paid in full, he will receive a refund from the lender once full payoff has been processedShould there be an existing balance on the loan, the refund will be credited to the balanceAs this is an insurance policy, cancellation can take up to weeksThis information was relayed to Mr [redacted] by our cancellation teamIn reviewing his account, it looks like we will be able to issue the pro-rated GAP refund to the lender within the next week, ahead of his original quoted timeframe

Complaint: [redacted] I am rejecting this response because:iLending uses pressure tactics to accept their "suggestions"I REPEATEDLY refused their third party warranty and found out later I don't need gap insuranceI refused the warranty one TEN separate occasions and reviewed their warranty online to find out that it's totally bogus- hundreds of reviews that the warranty they sell is worse than a junk bondIt's unethical Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11399531, and find that this resolution is satisfactory to me Sincerely, [redacted]

The landscaper, [redacted] works for [redacted] and was landscaping the property when the incident occurredI have made numerous attempts to reach his superior with no luck and need some assistance

Initial Business Response / [redacted] (1000, 10, 2015/10/27) */ This file was pre-approvedWhat this means is based on credit and initial information given, we will be able to assist with a loanOnce the file reaches the underwriters, all information is verified and a final approval is issuedIn this case, the pre-approval fit and the final verifications did not pass the underwriting team While processing a refinance, you are always responsible to continue making your payments until the payoff is receivedWe do not advise someone to not pay their bills

We have spoken with Mr [redacted] and all concerns regarding his business with us have been resolvedThere was no hard pull done on his credit by usThanks!

Initial Business Response / [redacted] (1000, 5, 2015/06/25) */ The GAP policy was cancelledWe did not receive the proof of loan being paid off as required by contractWe sent out the refund check to Kinecta, the lender, on June 11thIf his loan has been paid off with them, they will issue a refund to him directly as an overpaymentShould there be any questions about his refund from the lender, he will need to contact them directly

We have been in contact with *** [redacted] and have rectified this situationThere was miscommunication involved while processing her loan and we have taken care of her concerns

Complaint: [redacted] I am rejecting this response because:As of /28/the complaint has not been taken care ofI have talked with someone from th he company She said she would look into my application again next month and might be able to work out a deal at that timeShe did not believe it would be the same or better then the first offer I was given then taken away once I agreed to itSo once the application is looked int ok again next month I can not agree that the company followed through on my original offer that was taken away or even a new one till thenAt th hat time they said it still might not able to work it out.This complaint should remain open until they follow through next month Sincerely, [redacted]

We have spoken with [redacted] again this week to discuss the situationWe have sent her the paperwork to complete for her requestShe has sent it back to us and it has been filed

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]

We have spoken with Ms [redacted] today with updatesWe have tried a few different options in finding financing optionsWe have offered an option for the purchase for her vehicleAt this point she has declined the offerI apologize that the communication was not kept up with as it should have been Please feel free to let us know if you would like to move forward with the options that we have discussedThanks!

[redacted] had attempted to purchase two trucks through a fleet management companyDuring the process the fleet manager sold the vehicle to a different buyerWe cancelled that loan and sent cancellation to the lenderAs with any lender, they have a cycle and process internally and we have no control over their timelineFor the second vehicle that he purchased, the loan was completed and payment was wired to the fleet manager [redacted] was told that his payment was not receivedWe verified that it had cleared our bankFor sake of customer service, we sent a check to the fleet manager as well until we could correct their filing errorAt that point, the fleet manager stated that they located the wireWe then stopped payment on the check so that we would not overpay for the vehicleThe new check was deposited by the fleet manager due to their internal process not catching the notes that wire had clearedWhen the check came back to them as unpaid, a rep from their office stated to [redacted] that our check had "bounced" [redacted] then stated that he was done with the process due to the inconvenience to himAfter he decided not to move forward with the purchase, the fleet manager refunded our money that they had received via wireIt took a few days to post our systemAs soon as it was received, we sent loan payoff cancellation to the new lender Again, a credit union has it's own internal process that we have no control overI have verified that the loans have been closed and paid off for awhile nowI completely understand his frustration, but it was directed at the incorrect party

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]