Spotloan

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 language on Spotloan’s application
invitationSpotloan 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

Spotloan prides itself on its excellent customer service and we apologize that we have not met the customer’s expectations on this occasionWe understand the customer’s concerns and appreciate her bringing this issue to our attention Spotloan is investigating the situation as a priority, and
we have reached out to the customer to directly resolve her concerns

Revdex.com:Im still waiting for a vaild answer is your company sueing me and how do you expect someone to pay back a loan if your interest rates are so highI got $dollars and you want me to pay you back $dollarsThis company is a joke you dont find out all the interest rates and how much you got to pay back if you miss a payment tell you have sign your name in bloodI will never refer a friend or family member to this company againEverytime your company shows up on my facebook ill be shore to post on the comments never use this companyI have had many loans but this company gets a D-
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me

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 indicated that we attempted to reach out to her on multiple occasions to get the customer back on trackUpon default of the loan, 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 further to share the concerns of the customerSpotloan takes all customer complaints seriously, and we have reached out to this customer directly to address her concerns

Initial Business Response /* (1000, 5, 2016/01/25) */
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
BlueChip Financial, which lends under the brand name Spotloan, is a legal tribal lender and has a valid lending license issued by the Turtle Mountain Band of Chippewa Indians (Tribe)Spotloan makes all loans from our Reservation and abides by all tribal and applicable federal lending lawsAs such, this customer's loan has been legally issued under the laws of the Tribe
Our records indicate that on November 18, 2015, this customer sought a loan of $from SpotloanThe customer was given the opportunity to review the loan terms -- including interest, duration, payment amount and payment scheduleThis was all completed prior to the customer electronically signing the loan agreement
We have contacted the customer directly to address her concerns

Spotloan understands this customer’s concerns regarding his 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 complaint with the customer, and we have reported that the customer’s account has been paid in full

Initial Business Response /* (1000, 5, 2015/09/27) */
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 call volume has been higher than we expected and we're
working to fix the problem quickly by adding more team members
We have investigated this matter, and our records reflect that we responded to all telephone calls and emails described by the customerIn addition, we attempted to reach out to her on multiple occasions to get the customer back on track before the loan was sold The loan was purchased by a debt buyer unaffiliated with Spotloan on September 9, 2015, after the customer defaulted on her loan
Spotloan takes all customer complaints seriously, and we have reached out to this customer directly to address her concerns
Initial Consumer Rebuttal /* (3000, 7, 2015/09/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They are lying about returning my phone calls that would be impossible because they never answered the phone nor do they have an answering machine so that is an outright liethat was one of the problems from the beginning they never came to the phone and you could not leave a messageIf their call volumes are so high why not at least let your customers leave a message
Furthermore I emailed Tony their rep times and Tony who was leaving messages on my phone never replied to one of my emailsI emailed him because he would call when I was at work and I couldn't get to my phone so when I saw he called I would try to call back when I was on break NO ANSWERI also emailed him to ask that he emailed me a plan to get back on track because I couldn't reach him by phone or give me another phone number that actually would be answeredThey are liars so no I do not accept their response at all I also want an address to the company they sold this to because they had to have sold my information because now there are all kinds of people calling my phone saying that they have my loan so I do not know who the scams are and who might be legitSpot loan is shady as far as trying to work with their customers and Tony the rep that was calling is also lying if he said he returned all my emails
Final Business Response /* (4000, 9, 2015/10/08) */
Once more, we have investigated the matter and our records reflect that we responded to all telephone calls and emails referenced in the complaintIn addition, we attempted to reach out to the customer on multiple occasions to get her back on track before the loan was soldWe always work to respond to our customers on the same day
Since the customer requested the debt buyer's address, I've sent her the needed information in order to reach out to them directly
Sincerely,
Alana P
Credit Service Manager
Spotloan
[email protected]

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
attentionWe have reached out to the customer to address her concerns

At Spotloan, we have high standards for customer service, and Spotloan strives to be fair and transparent throughout the loan processWe have revisited the customer’s complaint and have come to a settlement agreement with the consumer

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

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 paymentsWe
understand the customer’s concerns and appreciate her bringing this issue to our attentionWe have reached out to the customer to address her concerns

I
am rejecting this response because:If they arrived to help their customers that struggle to pay, then these complaints would never be filedTheir response is unacceptable and does not provide a resolution to this matterWill they be any changes made to my account and will someone be calling me to resolve my account?

Initial Business Response /* (1000, 6, 2015/10/01) */
Spotloan understands this customer's concerns regarding her loan which was originated by Spotloan
BlueChip Financial, which owns the Spotloan brand, is a legal tribal lender and has a valid lending license issued by the Turtle Mountain Band
of Chippewa Indians (Tribe)Spotloan makes all loans from our ReservationThis customer's loan was legally issued under the laws of the Tribe
As is our usual practice, at the time of this customer's online application, the terms of the proposed loan were provided in writing, and discussed with the customer over the phoneThe original terms of the loan required the customer to repay the loan amount of $plus interest over monthsThe customer made one payment before defaulting on the remaining paymentsHer loan was purchased by a third party on June 5, Spotloan has not attempted to collect on this debt since the date of the sale
Spotloan treats all of our current and past customers with the fairness they deserveWe have reached out to this customer directly and invited her to contact the Collection Agency directly so that this matter may be promptly resolved

Revdex.com: I received the email as I pasted below: Dear ***, Spotloan has received a copy of the complaint you filed with the Revdex.comWe sincerely apologize that you have had a frustrating experience with SpotloanAt Spotloan, we have high standards for customer service and take your complaint very seriouslyHaving reviewed the complaint, we understand the resolution you seek is for Spotloan to consider your account settled in full and for all communication to ceasePlease be advised that your loan was originated by BlueChip Financial, an entity wholly owned and licensed by the Turtle Mountain Band of Chippewa Indians, a federally recognized Native American tribe operating on our Reservation in North DakotaBlueChip Financial lends under the brand name SpotloanWe make all loans pursuant to the Tribe’s lending laws and abide by all tribal and applicable federal lending lawsYour Spotloan account history shows that you received and agreed to the complete terms and conditions of this loanBased on your promise to repay the loan amount plus interest, Spotloan deposited $in your account on December 9, At Spotloan, we have high standards for customer service and apologize for the negative experience you’ve had with your paymentsIn consideration of your difficult circumstances, Spotloan will mark your account as settled in full based on the amount paid to dateThere is no need to make any further paymentsAdditionally, all collection efforts will ceaseIf there is anything else I can do, please let me knowSincerely, Alejandro L Credit Service Manager Spotloan [email protected]
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. Thank you for your assistance!

Initial Business Response /* (1000, 5, 2015/11/04) */
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 August 5, 2015, this customer
sought a loan of $from SpotloanThe 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 agreement
We have contacted the customer directly to address her concerns in a way that is fair to the customer and the company

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 her bringing this issue to our
attention We have investigated this matter and our records indicate that we did set up a settlement with the borrowerHowever, she did not continue to make the settlement paymentsAs such, 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 SpotloanSpotloan takes all customer complaints seriously, and we have reached out to this customer directly to address her concerns

Initial Business Response /* (1000, 5, 2015/10/16) */
At Spotloan, we care about providing our customers with the best customer experience
We have investigated this account and we discovered that the customer's version of what happened does not coincide with our recordsAs soon as the
customer notified us to stop using that bank account, we deactivated it in our system which disables any withdrawalsHowever, we also found that when the customer called, we were indeed unable to take card paymentsTherefore, we are attempting to resolve this loan in a way that is fair both to the company and customer

Initial Business Response /* (1000, 5, 2015/07/24) */
At Spotloan, we care about working with our customers and realize that this was a misunderstanding
We have investigated this issue and found that there was a miscommunication between the agent and the customerWe 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 waiving this customer's balance and settling her loan in full in exchange for a poor customer service experienceSpotloan sincerely apologizes for any inconvenience the customer experienced and appreciates this feedback on its services

Spotloan prides itself on its excellent customer service and we apologize that we have not met the customer’s expectations on this occasion.Upon investigation into this issue, we realize that the issue has been resolved 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 payments
According to our records, this customer has come to a settlement agreement with one of our agentsWe are happy to have worked this issue out with the customer