MEC Distribution, LLC

The consumer stated at bottom of his complaint that this was for Revdex.com information only but we have included a reply below.The marketing mailer that is referenced includes statements that the pre-approved offer is contingent on the applicant meeting certain criteria Our loan qualification criterion is designed to avoid securing a loan for an individual when it is not in their best financial interest to do so Pebblestone Financial complies with all applicable laws and regulations.Again, we would like to make clear, that we state on our websites and mailers that no one is guaranteed the offer we have sent them That “this notice is not guaranteed if you do not meet select criteria and that rates, fees, and program guidelines are subject to change without notice.”

I am rejecting this response because:This is a generic response and a expected response, I've been in the industry for Bank of Ameria and Wells Fargo for years and I agree with prior complaints I would like to know how many loans they've approved since 2/16, I'm sure it's not many if any at allThis operation should be shut down for misleading advertising practices

I am rejecting this response because:They claim that they called more than once but didn't leave a messageHow was I to respond if they don't leave a messageBefore theyobtained my personal information they didn't have a problem leaving a messageAnd after I filed a complaint with you and also one with the USPostal Inspectors I received a call from a woman who said her name was AmandaShe didn't have a problem leaving a messageWhen I returned her call she told me I didn't qualify for a bill consolidation loan.She then tried to pressure me to enter into a credit modification programI asked why I received the letter stating that I was pre-approved for a loan up to $45,and then betold I would have to enter the other programShe didn't have a satisfactory answerShe kept trying to pressure me even when I told her repeatedly that I wasn't interested.The call ended when I told her I wouldn't consider entering her programWhy do they send out letters stating people are pre-qualified for a loan but don't give out loans? I see from previous complaints that is their common practice.To me that is fraud and since they use the USPS that makes it mail fraudI still have to worry what they will do with my SSN and other information in the future[redacted] C [redacted] Jr

I am rejecting this response because: The company is not telling the truthThe form that they sent me has my correct amount of debt so nothing has changed since the form was sentInteresting enough I got another form days ago that listed the same amount of debt and again offering me a loan at a good interest rateThe company is only trying to get you to sign up for credit services from there group [redacted] ***

To Whom It May Concern: We are sorry that Mr [redacted] feels he was treated poorly We will make sure that Mr [redacted] , who works for one of our financial partners, is disciplined as we hope all of our partners are compliant We would also like to make clear, that we state on our websites and mail that no one is guaranteed the offer we have sent them That “this notice is not guaranteed if you do not meet select criteria.” We also state that “rates, fees, and program guidelines are subject to change without notice.” Lafayette Funding complies with All applicable laws and regulations and we meticulously safeguard any information that is given /provided to us by consumers when calling in to one of our numerous call centers in several states

Initial Business Response / [redacted] (1000, 5, 2015/07/08) */ Crestmont Funding will destroy Mr [redacted] 's information immediately and we will remove him from any future contactFurthermore, Crestmont Funding financial mailers will not be sent to Mr [redacted] and his information will be removed from our mailing list

Initial Business Response / [redacted] (1000, 5, 2016/03/04) */ Mrs [redacted] submitted a loan application to us back on 2/Unfortunately, after a review of the information submitted, she did not qualify for the debt consolidation loanBroadstar Financial's core business is helping to provide loans to people who need themThus, it is always disappointing when we are unable to do thatHowever, our loan qualification criterion is designed to avoid securing a loan for an individual when it is not in their best financial interest to do so However, we have other partners that can definitely help her with another program regarding her credit card debts so we had passed her file on to themWe understand from them that Mrs [redacted] spoke to a representative several times in late February and that she was in the process of talking with him about her situationHowever, since late February, the representative has been unable to reach Mrs [redacted] again despite trying many times Mrs [redacted] seems to feel no one has been in touch with her and is concerned that our offer is not legitimateThis absolutely is not the caseIt seems that maybe it was just a bit of phone tag that has created some confusion and for that we are very sorryOur partner representative is eager to re-engage with Mrs [redacted] right away However, if Mrs [redacted] would like us to remove her from our system and destroy her information, of course we can do that as well but we really would love the chance to help her We hope this resolves her concerns Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/03/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) NOBODY contacted me at all; please just destroy my personal info and notify me once it is doneI will say that after I filed this complaint, someone contacted me out of NY and left me voice mail, not sure if that person was in any way affiliated with Broadstar Final Consumer Response / [redacted] (2000, 10, 2016/03/17) */ Final Business Response / [redacted] (4000, 9, 2016/03/17) */ Mrs [redacted] the person who contacted you from NY was indeed a representative from our partner firmHowever we are honoring your wishes and destroying all of your personal information immediatelyPlease consider this your notification that such action has been takenWe apologize again if this caused you any inconvenience and we wish you the best of luck with your financial situation

Initial Business Response / [redacted] (1000, 8, 2015/09/16) */ September 16, Mr [redacted] , This letter is in response to your August 25, complaint submitted to the Revdex.com in regard to Broadstar FinancialIt is our intent that this correspondence will address your concerns Let me begin by offering our apology for any inconvenience this matter has caused you and for any confusion or misunderstanding that occurred The marketing mailer that you reference in your letter includes statements that the pre-approved offer is contingent on the applicant meeting certain criteriaOur loan qualification criterion is designed to avoid securing a loan for an individual when it is not in their best financial interest to do so Unfortunately, based on the information provided, you did not qualify for a debt consolidation loanAs an alternative, you were offered a debt management plan by one of our partners, which you found unacceptable and declinedRegretfully, since we were unable to facilitate the delivery to you of a loan or an acceptable debt management plan, we will remove you from our mailing listThat action will ensure that we do not inconvenience you in the future Thank you for sharing your concerns with our company's operating processes and we wish you well in the future

Broadstar Financial referred Mr [redacted] to our lending partner as he was prequalified Our lending partner sent him an Invitation to Apply on 3/to his Comcast.net email account Our partner resent him the invitation on 4/and then contacted the applicant on 4/to ensure that he received the email They sent the second email to a Yahoo.com address as he said he did not receive the first email He submitted a loan application on 4/using the Yahoo.com address and was subsequently denied because he did not meet the lending partner’s criteria This is disappointing as our partner would like to fund loans, where possible, to qualified candidates Of course, both Broadstar Financial and our lending partner will destroy his information immediately, as he has requested We apologize for any inconvenience this has caused Mr [redacted] and we consider this matter resolved

Revdex.com: Asad called me yesterdayHe said they have moved a few doors down into much bigger locationWould still like confirmation from Revdex.com that everything is on the up and up, but this may explain the communications being down Thank you for your assistance, Joanne

Mr [redacted] , it is our intent that this correspondence will address your concerns It is our understanding that you called in to us on July 19th in response to a mailerThe marketing mailer was sent to you based on publicly available information and includes statements that the offer is contingent on the applicant providing additional information that they meet certain criteria Unfortunately, based on the information provided, you did not qualify for a debt consolidation loanBridgeline Funding’s core business is helping to provide loans to people who need them Thus, it is always disappointing when we are unable to do that However, our loan qualification criterion is designed to avoid securing a loan for an individual when it is not in their best financial interest to do so We regret any inconvenience this matter has caused you

Mr [redacted] , it is our intent that this correspondence will address your concernsIt is our understanding that you called in to us on July 12th in response to a mailerThe marketing mailer was sent to you based on publicly available information and includes statements that the offer is contingent on the applicant providing additional information that they meet certain criteria Unfortunately, based on the information provided, you did not qualify for a debt consolidation loanBridgeline Funding’s core business is helping to provide loans to people who need them Thus, it is always disappointing when we are unable to do that However, our loan qualification criterion is designed to avoid securing a loan for an individual when it is not in their best financial interest to do so Bridgeline Funding complies with all applicable laws and regulations and we meticulously safeguard any information that is given /provided to us by consumers when calling in to one of our call centers We regret any inconvenience this matter has caused youPer your request, we will remove your information from our database immediately and refrain from any further contact We hope this resolves your concerns

To restate, we did not deceive the client, *** ***. It is clear on the mailer that this is a “pre-screened notice of credit is based on information in your credit report indicating that you meet certain criteria. This notice is not guaranteed if you do not meet select criteria” It goes on to include “Rates, fees, and program guidelines are subject to change without notice. Certain restrictions apply”Pebblestone Financial complies with all applicable laws and regulations and we meticulously safeguard any information that is given /provided to us by consumers when calling in to one of our call centers

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me however I need a detailed process on how this business will pay the credit reporting company up to$500 I need contact info please thank you

Initial Business Response /* (1000, 5, 2015/05/22) */
May 22,
Dear ***,
This letter is in response to the complaint you submitted to the Revdex.com in regard to Crestmont FundingIt is our intent that this correspondence will address your concerns
It is our
understanding that you responded to a mailerThe marketing mailer includes statements that the offer is contingent on the applicant meeting certain criteriaUnfortunately, based on the information provided, you did not qualify for a debt consolidation loanAs an alternative, you were offered a debt management plan by one of our partners, which you found unacceptableCrestmont Funding's core business is helping to provide loans to people who need themThus, it is always disappointing when we are unable to do thatHowever, our loan qualification criterion is designed to avoid securing a loan for an individual when it is not in their best financial interest to do so
We also apologize that you felt the service you received from the consultant of our partner was unsatisfactoryWe are in touch with our partner about this and are having that consultant retrained
We regret any inconvenience this matter has caused youAs requested, we will remove your information from our and our partner's databases immediatelyWe hope this resolves your concerns
Initial Consumer Rebuttal /* (3000, 7, 2015/05/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The mailer that is sent is very misleadingYou very clearly state that I was "pre-approved for a debt consolidation loan" it does not say "may be approved for a loan." I guess this just goes to prove the old saying that if it sounds too good to be true it probably is

Let us begin by offering our apology for any inconvenience this matter has caused you and for any confusion or misunderstanding that occurred. The marketing mailer that you reference in your letter includes statements that the pre-approved offer is contingent on the applicant meeting
certain criteria. Our loan qualification criterion is designed to avoid securing a loan for an individual when it is not in their best financial interest to do so. Unfortunately, based on the information provided, you did not qualify for a debt consolidation loanAs an alternative, you were offered a debt management plan by one of our partners, which you declined. Best of luck to you in the future

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

I am rejecting this response because: I am glad to be off their contact list. This is nothing more than a form response from the business. I didn't provide any additional information to give them the opportunity to be qualified or disqualified for the loan

As he states, our consultants had been exchanging messages with Mr*** between July 13th and July 21st. When connection hadn’t yet been made, the consultants tried calling and leaving several messages again between August 3rd and August 16th. A consultant was able to connect with
Mr*** via phone and email on August 17th at which time all things were clarified and Mr*** is proceeding with his application. We consider this matter to positively resolved

I am rejecting this response because:the information you state is not factualNothing changed in my history since you sent me the pre-qualified offer and I met all the requirements you stated I your letterThis was a bait and switch deceptive offer that was by design a way to deceive usThis type of business practice is reprehensible and I will continue to continue to complain until you live up to what you promised