Northland Hospice & Palliative Care, Inc

Per the terms of our Master Dealer Agreement (below) with each merchant, the merchant agrees that all installs will be done in compliance with applicable laws, including permit filing, when required. Dealer agreement: The Products purchased by the Buyers were carefully and properly assembled,...

installed, inspected, and adjusted to factory specifications, and Dealer had the required licenses, bonding or permits for installation; services rendered to Buyer were done in compliance with all applicable laws and regulations and were carried out in compliance with any written contract provided to theBuyer. Dealer has all required licenses, bonding or permits to provide these Services, including financing licenses or registrations, where required; all Products have been accepted by the Buyer; all Products were sold by Dealer for personal, family, or household purposes, and not for any business or commercial purpose;Additionally, the terms of our approvals all state this, as does the final email that goes out upon verbal verification with the customer: Approval Email: 2) Per section 1(e) of the Master Dealer Agreement, you are required to have all necessary licenses, bonding and permits required for each job. FFC may verify or request copies of any required items at any time. FFC reserves the right to refuse funding on any loans not complying with these requirements.Verification Email: This loan has been verified and will be funded at our next designated funding time, subject to verification of proper licensing, bonding and permit filing by the dealership at FFC's discretion in accordance with the terms of our Master Dealer Agreement. Violations of our Master Dealer Agreement are a cause for us ending our relationship with dealers. Permits were not filed on this loan and are required, according to the municipality. This dealer has spoken with our Sr. Vice President about a possible resolution to this situation and at this time, we do not believe any further response is required.

We apologize for any difficulties this customer is having in making her payment. Our payment site is currently being worked on for issues when using the Google Chrome browser. Other browsers have been working (Internet Explorer, Firefox). We are unsure what phone numbers the customer is attempting...

to reach us at, but our office may be reached at ###-###-####. Our customer service hours are Monday-Thursday 7 a.m. - 9 p.m. Central Time, Fridays 7 a.m. to 6 p.m. and Saturdays 10 a.m. to 2 p.m. A member of our account servicing team is reaching out to the customer today to take the payment over the phone with no fees or penalties. We apologize for any inconvenience and appreciate this customer bringing the website issue to our attention.

We have received the complaint regarding inaccuracy of reported information. This has been corrected. Corrections were submitted on November 2, 2016 and we were able to confirm the corrections were made as of November 4, 2016. We have attached the audit form for corrections along with the Transunion...

reporting verification. We do apologize to our customers for the inconvenience, and thank them for their patience as we worked to adjust these issues. Sincerely, [redacted] Compliance Manager Foundation Finance LLC 7802 Meadow Rock Dr Weston, WI 54476

The customer states several issues regarding his account. The first issue stated is that [redacted] reported his account delinquent on two occasions. A review of our files shows that we reported the account opened in 09/2016 and reported such for 10/2016 in November. The complaint is...

dated 12/02/2016 and the November reporting is not submitted until mid-month of the following month. We manually added the October and November payments to reflect as made on time on 12/07/2016 as a courtesy. Proof of those adjustments has been attached. [redacted] has reported no delinquent payments on the account.The second complaint is that [redacted] pulled a credit report without his permission; however, the report was pulled with the customer on the phone to determine the validity of his complaint. [redacted] will remove the inquiry as there may have been confusion as to the pulling of this report. The final complaint is that [redacted] pulled a third report which [redacted] has determined did not occur. Per the customer’s desired resolution, Foundation Finance has fulfilled his requests.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

We have received the above-referenced complaint and would like to respond. The customer’s complaint alleges they were double-billed in one month. The customer was not double-billed. Per our records, the customer scheduled two payments through our online customer center, one dated 5/30/2017 and the...

other 6/2/2017. We would also like to be sure the customer is aware that if there is a payment already scheduled an alert will pop up to let them know. We urge them to watch any alerts that come up when using the online system. To reverse a payment, Foundation Finance generally requires a copy of a bank statement as proof the disputed payment has processed. It would appear the customer filed a complaint with her bank stating the transaction was not authorized, and as a result the payment was returned to her account on July 10, 2017. The automatic payment withdrawal that was scheduled has also been deleted. Going forward, the customer will need to call, mail in, or go online to make a payment. If the customer wishes to continue to have automatic withdrawal we do ask she call our office at ###-###-#### option 2 to speak with customer service. If you have any other questions or concerns, please do not hesitate to call our office.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.As I stated in my complaint, customer service was unable to assist.  They insisted that statements are NOT view-able online by customers.  I am a computer technician and I worked all the typical troubleshooting methods to resolve the issue to no avail.  The statement did show but only with words instead of numbers in the "value" categories.  The written statement that is mailed still does not provide a balance of the loan.  I was told when I called the only way to know the remaining balance is to physically call each and every time.  It seems this company is deceptive as it refuses to allow customers to see how the payments are being applied to the loan.  I will never recommend this company to anyone and feel like I have been swindled by a high interest loan shark.  
 
Regards,
[redacted]

If this customer would like to contact our account servicingdepartment at ###-###-#### Option 6 to discuss this account, we would behappy to assist. The modified loan agreement terms were not kept on his part,so they are no longer valid, but we may be able to offer other assistance. Anycredit inquiries were done in compliance with allowable purposes and incompliance with the credit application that these borrowers signed. We alsohave the recorded verification call where the customer clearly statedunderstanding of the loan terms, including the amount financed, payment amountand interest rate on the loan. We have mailed copies of the original signedloan documents to this customer and believe this resolves the issue.

In response to this customer’s Revdex.comcomplaint received August 7, 2015: ·       FoundationFinance Company is an indirect lender that takes assignment of sales financecontracts originated by selling dealers (in this case, for a water treatmentsystem). We have nothing...

to do with the product being sold – all pricing andterms were negotiated between the customer and the selling dealer. This issimilar to a bank financing a purchase of a car for a customer – the bank isnot part of the negotiations of the price of the vehicle. ·       We received allrequired loan documents signed by this customer. The credit applicationcontains the following notice regarding credit report requests:CREDIT REPORT NOTICE: We may request a credit report for any legitimatepurpose associated with your application for credit, extending credit,modifying the terms of your credit agreement, or collection on youraccount.  On your request, we will informyou if such a report was ordered and will give you the name and address of thecredit reporting agency that furnished the report. ·       Prior to fundingany loan to a selling dealer, Foundation Finance Company makes a recordedverification call with the customer to ensure they understand the terms oftheir loan and that they have received what they were promised from the dealer.We have this recorded call on file dated 12/16/13. In the call, ourrepresentative clearly states the amount being financed, the payment amount anddate, the interest rate on the contract and the promotion on the contract (3months deferred payments). The customer clearly states he understands and agrees,so we funded the loan. ·       Though we wereunder no obligation to do so, we modified the terms of the loan to reduce theinterest rate and payment for this customer when he was undergoing financialhardship. The agreed upon reduced payments have not consistently been made in atimely manner. Any credit reports requested for collection purposes were incompliance with permissible purposes allowed by law and stated in the creditreport notice on the application signed by this customer.

Foundation Finance has received the above-mentioned complaint. The customer has stated that Foundation Finance has pulled her credit three times in the last 12 months. This information is correct. The credit report was pulled on June 8, 2017, January 10, 2017, and September 6, 2016. Per the signed...

credit application:CREDIT REPORT NOTICE: We may request a credit report for any legitimate purpose associated with your application for credit, extending credit, modifying the terms of your credit agreement, or collection on your account. On your request, we will inform you if such a report was ordered and will give you the name and address of the credit reporting agency that furnished the report.In each instance, the customer had fallen delinquent on her account and Foundation Finance was unable to get in contact with either customer before credit was pulled, despite our efforts to do so. Credit was pulled to check on potential hardships to assist in deciding the best course of collections action, which during a hardship may include a payment extension or modification of loan terms, provided the customer qualifies for these options.If the customer has any further questions or concerns, she can call our office at ###-###-#### option 2 for customer service.