Spotloan

Final Consumer Response / [redacted] (2000, 6, 2016/02/16) */ SpotLoan has sent the email confirmation I requestedThe confirmation letter confirms, my loan had been paid in full This issue has been resolved

At Spotloan, we have high standards for customer service, and Spotloan strives to be fair and transparent throughout the loan processWe are committed to making sure our customers know how much their loan will cost, and we seek to work with customers when they have trouble making paymentsSpotloan’s position on this matter has changed for the benefit of the customerWe have offered a resolution that should satisfy the customer’s wants

Spotloan prides itself on its excellent customer service and we apologize that we have not met the customer’s expectations on this occasion.Spotloan is investigating the issues raised by this customer as a priority, and we have reached out to her directly to resolve her concerns

Spotloan prides itself on its excellent customer service and we apologize that we have not met the customer’s expectations on this occasionSpotloan strives to be fair and transparent throughout the loan processWe understand the customer’s concerns and appreciate her bringing this issue to our attention We have investigated this matter, and our records indicate that we attempted to reach out to this customer on multiple occasions to get her loan payments back on trackThe loan was sold to a debt buyer unaffiliated with Spotloan upon defaultAlthough Spotloan is not responsible for the actions of the debt buyer, Spotloan will investigate and share the concerns of the customer directly with the debt buyerSpotloan takes all customer complaints seriously, and we have reached out to this customer to address her concerns

I am rejecting this response because: I still don’t think this was an acceptable responseEither let me pay off the original amount or revise the months to start at December 1stTheir customer service has been awful

I am rejecting this response because:
The statement presented is a generic statement- the company
Personally solicited me to apply and then rejected the application. I did not initiate contact with this company they sent me several emails and mailers to re- apply. This company should be put out of business. *** ***

Initial Business Response /* (1000, 5, 2015/12/27) */
At Spotloan, we seek to provide excellent customer service
We have investigated this customer's concern and learned that after initiating the loan and beginning payments, the customer requested a payoff on December 3, Unfortunately the
agent the customer spoke with did not set up the payoff correctlyAdditionally, Spotloan withdrew a further payment in errorWe took immediate steps to reimburse the payment on December 18, and set up the payoff so that the customer has no more payments to makeWe have confirmed that this error was an isolated issue and not a systematic problem
Spotloan sincerely apologizes for any inconvenience this customer experienced and appreciates this feedback on its services

Initial Business Response /* (1000, 5, 2015/09/24) */
At Spotloan, customer satisfaction is important to us and we strive to be fair and transparent throughout the loan processWe work with our customers to address their concerns
Our records indicate that on December 22, 2014, this customer
sought a loan of $from SpotloanAs is our usual practice, one of our customer representatives reviewed this customer's loan terms, including APR and payment schedule, with him over the phoneFollowing that phone conversation, the customer was given the opportunity to review the loan terms -- including interest, duration, payment amount and payment schedule -- in writing before he electronically signed his loan agreementBoth the agent on the phone and the details he received in writing explained that additional interest would be charged if the payment schedule was not followed
Our records indicate that this customer reached out to us to request a payment deferral and that due to a system error, his request was not met within the desired timeframeWe have contacted the customer directly with our proposed resolution, and anticipate that his concerns will be addressed

Initial Business Response /* (1000, 5, 2015/08/07) */
At Spotloan, we care about working with our customers
We have investigated this customer's concerns and found that there was indeed a miscommunication between Spotloan's agent and this customerSpotloan has since taken steps to coach the
agent on our loan restructuring policy and clear communication
We appreciate that this customer agreed to speak with us over the phone after the incident and that we were able to resolve her issueSpotloan sincerely apologizes for any inconvenience this customer experienced and appreciates this feedback on its services

I am rejecting this response because:because they will not show acopy of my account plus when I try goning on on internet I can not pull my account up

Initial Business Response /* (1000, 5, 2015/07/22) */
At Spotloan, customer satisfaction is important to us and we strive to be fair and transparent throughout the loan processWe work with our customers to address their concerns
Our records indicate that on January 12, 2015, this customer
sought a loan of $from SpotloanAs is our usual practice, one of our customer representatives reviewed this customer's loan terms, including APR and payment schedule, with her over the phoneFollowing that phone conversation, the customer was given the opportunity to review the loan terms -- including interest, duration, payment amount and payment schedule -- in writing before she electronically signed her loan agreementBoth the agent on the phone and the details she received in writing explained that additional interest would be charged if the payment schedule was not followed
While this customer's loan obligations have not yet been fulfilled, Spotloan takes all customer complaints seriously, and we have reached out to this customer directly to actively address her concerns

Initial Business Response /* (1000, 5, 2015/10/01) */
At Spotloan, we care about working with our customers and realize that this was a frustrating experience
We have investigated this issue and found that when the customer called, there was a technical glitch in our phone system that
prevented us from answering or transferring calls properlyWe are reaching out to the customer herself to explain exactly what happened since it is clear that the communication was obscure
In addition, we are attempting to resolve this loan in a way that is fair both to the company and customerSpotloan sincerely apologizes for any inconvenience the customer experienced and appreciates this feedback on its services

Spotloan understands this customer’s concerns regarding her loanAt Spotloan, customer satisfaction is important to us and we strive to be fair and transparent throughout the loan processWe care about working with our customers to address their concerns, and seek to provide excellent customer
serviceSpotloan has resolved this in a way that is fair to both the company and customer

Spotloan prides itself on its excellent customer service and we apologize that we have not met the customer’s expectations on this occasionSpotloan strives to be fair and transparent throughout the loan processWe understand the customer’s concerns about the interest charged because of a missed
payment.Spotloan has investigated this situation as a priority, and we have reached out to her directly to resolve her concernsWe intend to resolve this in a fair and reasonable way

At Spotloan, we have high standards for customer service, and Spotloan strives to be fair and transparent throughout the loan processSpotloan has offered to conduct an Identity Theft Investigation to resolve the issue

At Spotloan, we have high standards for customer service, and Spotloan strives to be fair and transparent throughout the loan processWe are investigating the consumer’s concerns

Spotloan understands this customer’s concerns regarding her loanAt Spotloan, customer satisfaction is important to us and we strive to be fair and transparent throughout the loan processWe care about working with our customers to address their concerns, and seek to provide excellent customer
serviceUnfortunately, Spotloan was unable to take same-day payments at the time this customer attempted early payoff of the loan balanceSpotloan apologizes for any inconvenience caused, and is attempting to resolve this in a way that is fair to the customer

Spotloan prides itself on its excellent customer service and we apologize that we have not met the customer’s expectations in this instanceSpotloan strives to be fair and transparent throughout the loan processWe understand the customer’s concerns and appreciate his bringing this issue to our
attention We have investigated this matter and our records indicate that we did set up the restructure as mentioned in the complaintHowever, the payments bounced and we attempted to reach out on multiple occasions to get the customer back on track, but received no answer to our calls or emailsUpon default, the loan was sold to a debt buyer unaffiliated with SpotloanAlthough Spotloan is not responsible for the actions of the debt buyer, Spotloan will investigate the actions of the debt buyer and share the concerns of the customerSpotloan takes all customer complaints seriously, and we have reached out to this customer directly to address his concerns

At Spotloan, we have high standards for customer service, and Spotloan strives to be fair and transparent throughout the loan processWe are committed to making sure our customers know how much their loan will cost, and we seek to work with customers when they have trouble making paymentsIn
consideration of the borrower’s payment history, Spotloan has waived the remaining interest on their loan and marked it as settled in fullWe are happy to have worked this issue out with the customer

At Spotloan, we have high standards for customer service, and Spotloan strives to be fair and transparent throughout the loan processWe are committed to making sure our customers know how much their loan will cost, and we seek to work with customers when they have trouble making paymentsDue to
the borrower’s willingness to resolve their Spotloan, we have reached out to the customer to address her concerns and have offered an arrangement that Spotloan believes would be fair to both parties