Northland Kart Kountry

Good Morning Mr [redacted] First I would like to point out that the screen shot of the website and the email you are referencing states that you were "Pre-approved" following pre-approval our representatives needs to go through a verification process to finalize the loan.Unfortunately your application was not approved by our underwritersIt was not because you worked in the restaurant industryWe have plenty of clients from this work force I do apologize for any inconvenience this may have caused youNorthern Plains Funding

Ms [redacted] I believe there was some confusion with the repayment optionsThe 3rd option; the option you selected, only puts the minimum amount required towards your principalThis option is the longestIf you would like to call us back at 888-667-one of our friendly loan officers would be happy to assistAlso my name is [redacted] if you would like to speak directly to myselfThank you

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 complaintFor your reference, details of the offer I reviewed appear below.I remember having the recorded conversation with Isabel, but the amount was NOT explained to me in full details Yes she advised option was the most expensive way to go, but I had no idea it would be that expensive Yes I take partial responsability in not looking at the 874.4% annual percentage rate on the loanThe agreement is deceivingFrom the looks of it, it seems that I was allowed to be able to get up to $and you only started me out with $ Below is email communication between Isabel and II feel cheated and I have paid you enough money to cover the amount of money I received I don't have anything to do with the cost of you running your company so NO, I don't accept this offerPaying you one more payment is still no where near the amount you wanted me to pay back so what difference will that make? Thanks for that informationI will forward this along with the other emails to my lawyerThanks again for all your help [redacted] From: Isabel [mailto: [redacted] @northernplainsfunding.com] Sent: Wednesday, August 26, 4:PMTo: [redacted] , [redacted] NSubject: Re: Loan follow up [redacted] , I am looking at your application right nowFor the first four payments I'll give you a break downDate Applied to principle Interest Total Amount 07/10/ $ $ $146.4107/24/ $ $ $146.4108/07/ $ $ $146.4108/21/ $ $ $146.41These are the amounts that are applied towards your principleThis is why I made it very clear to NOT proceed with options oneEverything was very well explained to you from the beginningI can resend you once again the payment options and go over it with you if neededPlease let me know if you have any questionsThanks,Isabel On 8/26/4:PM, [redacted] , [redacted] N wrote: Isabel, Ok, no problemI think I will have to have a lawyer look into thisI need to know exact numbers but it seems I can’t get that informationI know it has to be some kind of illegal activity to charge that amount of moneyThe payment schedule below makes it seem like in the end I will have paid back $3,for a loan that was only $If I’m still missing it, please explain it to me I do appreciate you going above and beyond to try and help me [redacted] From: Isabel [mailto: [redacted] @northernplainsfunding.com Sent: Wednesday, August 26, 4:PMTo: [redacted] , [redacted] NSubject: Re: Loan follow up [redacted] ,The amount only being applied to it is a small amount in changeIt varies each time you make a payment by it increasing to help you pay it offAs far as adding additional funds I wouldn't be able to only because not much has been applied towards the principleI am so sorry about thisI was trying to let my supervisor know but unfortunately I cantPlease let me know if you have any other questionsIsabel On 8/26/4:PM, [redacted] , [redacted] N wrote: Isabel, OkI do remember discussing thatWith that being said, do you know, although small, how much is actually applied to the amount itself? Also were you able to allow me to get the extra funding? [redacted] From: Isabel [mailto: [redacted] @northernplainsfunding.com] Sent: Wednesday, August 26, 3:PMTo: [redacted] , [redacted] NSubject: Re: Loan follow up [redacted] , The amount that you have been paying is the minimum of the finance fee which is option Remember that options only applies a very small amount towards your principle which takes longer for you to pay it offThis is the option I was warning you about in the beginning to avoidI will paste the payment options on the bottom for youAny questions please let me knowThanks, Isabel Option 1: You follow the schedule of payments on your loan agreementThe schedule allows you to pay a fixed amount on each one of your scheduled due datesThis is the minimum amount you need to pay on each pay periodEach payment will have a portion going towards your principal and a portion going towards your finance feeThis is the longest and most expensive option.Option 2: You can fast pay your loan, which is paying your finance fee, plus an extra amount towards your principalThe extra amount must be in increments of $This will reduce your total payments due on the loanPlease remember to contact us at least business days before your due date so we can adjust the payment for you.Option 3: You can pay your loan in fullWhich is the principal amount PLUS the finance feePlease remember to contact us at least business days before your due date so we can adjust the payment for you On 8/26/12:PM, [redacted] , [redacted] N wrote: $will be fine if you can do it or $if that will go throughIt will give me some cash to have until I get paid again next FridayNo, my income has not gone upActually everyone at work just got pay cutsMy salary went down per hour, sad to say I do have another question howeverFrom one of your earlier emails, I asked about my balanceYou advised I have a balance of $I have made successful payments of $each, making a total of $How is it that I still owe $517.79? The original amount that was deposited into my checking account was $and some odd centsI think you explained it before but I must have misunderstood something [redacted] From: Isabel [mailto: [redacted] @northernplainsfunding.com] Sent: Wednesday, August 26, 12:PMTo: [redacted] , [redacted] NSubject: Re: Loan follow up [redacted] , I cannot do $unfortunatelyThis is only because you have been paying the min amount on your loan and you haven't called to do partial payments on the loan principleI can see if I can do $I have a questionHas by any chance your income gone a bit higher than before or you have more fuller checks so I can update the income information? Please let me know so I can find anyway to help you outThanks, Isabel On 8/26/12:PM, [redacted] , [redacted] N wrote: If I can get $that would be greatIf not $500, then at least $ [redacted] From: Isabel [mailto: [redacted] @northernplainsfunding.com] Sent: Wednesday, August 26, 12:PMTo: [redacted] , [redacted] NSubject: Re: Loan follow up [redacted] , How much did you need? On 8/26/12:PM, [redacted] , [redacted] N wrote: Good evening Isabel, Just doing a follow up with you to see if my last payment has cleared on your end [redacted] From: Isabel [mailto: [redacted] @northernplainsfunding.com] Sent: Monday, August 24, 2:PMTo: [redacted] , [redacted] NSubject: Re: Loan follow up [redacted] ,Thanks for the information unfortunately its not us that wont do it but the system will not let me express it until it shows clearThat is the only reason why I cannot do itYou balance as of today is $Please let me know if you have any other questionsThanks, Isabel On 8/24/1:PM, [redacted] , [redacted] N wrote: Here is a photocopy of my bank statement onlineIt actually posted on Friday 8-21-Just wanted you to see this as record when it shows as paid on your endThanks so much for assisting me with my financial needsI really appreciate all your help [redacted] -----Original Message-----From: [redacted] , [redacted] N Sent: Monday, August 24, 1:PMTo: 'Isabel'Subject: RE: Loan follow up Isabel, How much is the balance? I know I don't have enough to pay it off thoughI'm hoping that before the day is out or by tomorrow, it will show as paidI will check with you again on tomorrowThanks for checking [redacted] -----Original Message----- From: Isabel [mailto: [redacted] @northernplainsfunding.com] Sent: Monday, August 24, 1:PM To: [redacted] , [redacted] N Subject: Re: Loan follow up [redacted] , It still shows pending in my end which will not allow me to do a loan transfer for youThe only way I can is if you paid in full now with your debit card and then get the funds today or wait and see if tomorrow we can do itPlease let me know Thanks, Isabel On 8/24/12:PM, [redacted] , [redacted] N wrote: > Good evening Isabel, > > My loan payment came out and was processed successful on Saturday, 8-22-Is it possible to get additional funding now? > [redacted] > -----Original Message----- > From: Isabel [mailto: [redacted] @northernplainsfunding.com] > Sent: Thursday, August 20, 2:PM > To: [redacted] , [redacted] N > Subject: Re: Loan follow up > > [redacted] , > > I pulled up your application and because now the payment shows as pending I wouldn't be able to do nothing until that payment comes out now and it clearsIf you want I can follow up with you thenIf you would've called or email me yesterday I would've been able to help you > I am so sorry [redacted] > > Isabel > > On 8/20/2:PM, [redacted] , [redacted] N wrote: >> Hi Isabel >> >> Yes maamI am indeed in need of additional fundsI have bills >> coming out of my check tomorrow and I over extended it by $My >> math was WAYYYYYYY off on it and I forgot about bills that are were >> automatic draftI need some assistance ASAPIf you need to call me, >> I'm at work right now and will be here till pm ESTMy number is >> ( [redacted] >> >> >> [redacted] >> -----Original Message----- >> From: Isabel [mailto: [redacted] @northernplainsfunding.com] >> Sent: Tuesday, August 18, 11:AM >> To: [redacted] , [redacted] N >> Subject: Loan follow up >> >> [redacted] , >> >> I am reaching out to you because you had sent us an email wanting additional fundsPlease let me know if you are still interested >> >> Thanks, >> >> Isabel >> >> -- >> Customer Service Representative >> Isabel C [redacted] >> Northern Plains Funding >> Ph:1-888-667-ext [redacted] >> Fax:1-888-874-

***, It was a pleasure speaking with you earlierI am glad we were able to work everything out and that you were able to get a hold of your payment scheduleHave a great dayManagement

Regarding complaint # [redacted] the company northern plains funding has resolved my complaint by sending an email stating the denial after speaking with several different associates I am satisfied Thank you

Good Morning Ms [redacted] , I see that you were able to resolve the issue mentioned in the complaint with one of our supervisorsPlease let us know if there is anything else we can do to assist you Management

Ms [redacted] , Thank you for giving us this oppurtunity to address your concernsI have gone ahead and removed your personal information for our databaseYou will no longer receive any correspondence from Northern Plains Fundling

We have already spoken with [redacted] and have refunded his desired amount and worked out a repayment option that works for the clientMr [redacted] has agreed to the proposal on 8/29/

Ms [redacted] ***,Thank you for giving us the opportunity to address your concernsI will have someone call you first thing monday morning to explain the payment optionsYou are not required to pay the full amount shown on your loan agreementThat is only if you choose to pay the minimum amount due on each of your due datesRest assured after you speak with our supervisor we will have you repayment plan set up accordinglyThank you Steve

[redacted] ***, Thank you for giving us an opportunity to address your concerns, I see that you have spoken with Dianna and that the account has been closed in fullI hope that stratifies your concernsManagement

[A default letter is provided here which indicates your acceptance of the business' responseIf you wish, you may update it before sending it.] 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 Regards, [redacted]

Mr [redacted] ,Sorry for the delay, my name is [redacted] and I would be happy to assist you with any of the question you have in relation to the loan you receivedPlease call us at [redacted]

Thank you for the opportunity to respond to this customer complaintMs [redacted] applied for a $loan, which was funded on August 9, After researching her account, we found that she made all of her payments as outlined in her loan agreement, and she has no outstanding balanceWe attempted to contact her by phone on November 2, and November 7, 2017, to discuss her concerns, but were unsuccessfulHowever, our collections manager left her a detailed message regarding her accountWe encourage Ms [redacted] to contact us if she has any other concerns

Thank you for letting us address you concerns The personal information that was requested is the underwriting process of the loan

Complaint: [redacted] I am rejecting this response because: Even though I've signed the agreement, the principle amounts charged are extremely unfair from the start I felt that I had no other choice to agree due to the fact that I have bad credit and had no other option for an loan The percentage rates are extremely high and unfair It is highly unlikely that I will ever agree to such a loan in the future

Ms ***, Thank you for giving us the opportunity to address these concerns. After personally reviewing your fileIt has been confirmed that the Wire was sent to your account at *** *** *** *** but they did not accept wires through our bankWe have seen this happen
with certain credit unions in the pastThis was outside our controlWe also agreed to resend the funds via ACH which takes hours to deposit, but you choose to cancel your application. Thank you Mgmt

Complaint: *** I am rejecting this response because: while the refund was received, NO REPAYMENT PLAN
has been discussed*** had sent me a message saying he had an alternate plan for paymentI sent a message back asking: "What did you have in mind?" to which I have NEVER received a response
If and when NPF wishes to actually negotiate a repayment plan, they are more than welcome to email me any time

** *** Thank you for giving us the oppurtunity to address your concerns. All our accounts are reviewed by our underwriting dept prior to being orginiated as was explained to you on the call with our Account Manager, this is the reason the loan deposit was not completed. If you
have an other concerns or would like further clarification please email us at customer *** Thank youNorthern Plains Funding

Thank you for giving us an oppurtuinity to address your concernsMr***, I will have Jose or another member of his team reach out to you ASAPThank youSteve

Mr BostickI am the Director Of Operation for Norther PlainsPlease reach out to me personally at *** And I will make sure your account is properly refundedAnd the fees associated with this payment in error are removed. I apologize for any inconvenience this may
have caused youBut trust in that I will have it resolved with in the next hours.Stephen