Spotloan

Initial Business Response /* (1000, 5, 2016/01/22) */
At 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
We have investigated this issue and found that
the loan disbursement did not go outWe have reached out to the customer to explain the reason the disbursement was cancelled
Spotloan sincerely apologizes for any inconvenience the customer experienced because we failed to provide an explanation earlier, and appreciates this feedback on its services

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.According to our records, this customer has accepted a settlement offer

Spotloan prides itself on its excellent customer service and we apologize that we have not met the customer’s expectations on this occasionSpotloan commits itself 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 his bringing this issue to our attentionBlueChip Financial, which lends under the brand name Spotloan, is a lawful 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 Prior to taking out a loan from Spotloan, we gave the customer 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 agreementWe have contacted the customer directly to address his concernsWe intend to resolve this in a fair and reasonable way

At 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 We apologize that we have not met the customer’s standards in this instanceWe have investigated this
issue and found that the customer’s account was already settled

Dear Edward,Spotloan has received a copy of the complaint you filed with the Revdex.comAt Spotloan, we have high standards for customer service and take your complaint very seriously.Having reviewed the complaint, we understand the resolution you seek is to have your Spotloan considered paid in full.Your
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 $into your account on July 27, 2017.This is your fifth SpotloanThroughout this current loan, you have never made a full payment as listed in your payment schedule ($178.15)Spotloan would like to work with you to resolve this matterBecause you have been a great customer in the past, we are willing to offer a settlement for the remaining principal of this loan for $to be made in installments or a lump sum on terms to be agreed uponTo accept this settlement offer, please contact me upon receipt of this letterWe hope that this solution meets your expectationsPlease reach out with any additional questions or concerns.Sincerely,Alejandro LCredit Service [email protected]

I am rejecting this response because:
I have not been contacted by the businessPart of m my issues is I no longer have the email address they have on fileNo phone calls have been made to me either

Initial Business Response /* (1000, 5, 2016/01/08) */
At 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
We have investigated this issue and found that
we incorrectly deferred a paymentConsequently, we have reached out to the customer to explain the situation and resolve the issue in a way that is fair both to the company and customer
Spotloan sincerely apologizes for any inconvenience the customer experienced and appreciates this feedback on its services

Initial Business Response /* (1000, 5, 2015/07/17) */
We apologize for this frustrating customer experienceOur call volume has been higher than we expected and we're working to fix the problemSpotloan will refund the 7/payment and any overdraft feesWe appreciate this feedback

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 monthly payments due on her
Spotloan.Our records indicate that on June 1, 2017, this customer sought a loan of $from SpotloanAt the time the borrower accepted the loan, they received and agreed to the complete terms and conditions of the loan, including a payment schedule and breakdown of principal and interestSpotloan 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

Initial Business Response /* (1000, 5, 2015/08/28) */
At Spotloan, customer satisfaction is important to us and we strive to be fair and transparent throughout the loan process. We work with our customers to address their concerns.
We have investigated this matter, and our records do not...

reflect the telephone calls or emails described by the customer. Our records indicate that on January 15, 2015, this customer sought a loan of $800 from Spotloan. As is our usual practice, one of our customer representatives reviewed this customer's loan terms, including APR and payment schedule, with him over the phone. Following 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 agreement.
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 address his concerns.
Initial Consumer Rebuttal /* (2000, 7, 2015/08/28) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Although it is not accurate, I have a phone log and sent emails that prove I have attempted to contact this company multiple times. I will accept what they have offered. I will not be using this company or recommending this company to anyone. Pay Heed

Initial Business Response /* (1000, 5, 2016/03/19) */
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.
Initial Consumer Rebuttal /* (2000, 7, 2016/03/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I received an email from the business and the manager who contacted me to resolve the issues I was having was very understanding and professional. I am really pleased to see this positive side of Spotloan because I was very concerned that this company was running a scam and wasn't a legitimate loan company. The response I received from the manager made me feel that there is at least someone within the company who can help when I feel as if I am being taken disadvantage of. I am very satisfied with the quick response from the manager and the prompt resolution of my concerns and issues.

I am rejecting this response because:They reached out and stated they will consider my account paid in full.  The problem I have with that is this, I have basically paid the loan off. I have paid about 13 payments totalling over 2000.00.  To say that they will consider my account paid is typical. I have made every payment on time with the outrageous fees.  There should be a law against this type of business.  I wrote back and requested them to consider paying 550.00 of the fees back. I have not received a reply yet. THANK you.

Initial Business Response /* (1000, 6, 2015/11/12) */
At Spotloan, customer satisfaction is important to us and we strive to be fair and transparent throughout the loan process. We work with our customers to address their concerns.
Our records indicate that on August 31, 2015, this customer...

sought a loan of $500 from Spotloan. 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 agreement.
We have contacted the customer directly to address her concerns in a way that is fair to the customer and the company.

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.

Spotloan strives to be fair and transparent throughout the loan process. We understand the customer’s concerns and appreciate him bringing this issue to our attention.  Our records indicate that this matter has been resolved, resulting in a retrieval of the loan from the third party collection...

agency. We are glad to have satisfied this customer’s needs.

At Spotloan, we have high standards for customer service, and Spotloan strives to be fair and transparent throughout the loan process. We 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. Due to...

the borrower’s payment history and financial hardship, Spotloan has waived the remaining balance on their Spotloan. We 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 process. We 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 agents. We are happy to have worked out this issue with the customer.

Initial Business Response /* (1000, 6, 2016/03/10) */
At Spotloan, we have high standards for customer service, and Spotloan strives to be fair and transparent throughout the loan process. We 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 agents. We are happy to have worked this issue out with the customer.
Initial Consumer Rebuttal /* (2000, 8, 2016/03/12) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Michael H from SpotLoan sent me an email apologizing for the way the account was handled and made an offer to close the account marked as PAID IN FULL if I made a one time payment of $108.24. I called him back the next day and accepted the terms of the offer. He agreed he would send me a letter after the payment posted to confirm the account was paid in full, but I have not received that letter but did capture the full conversation in a recording and saved the email where he made the offer. I will consider the matter satisfactorily closed.

Spotloan prides itself on its excellent customer service and we apologize that we have not met the customer’s expectations on this occasion. Spotloan strives to be fair and transparent throughout the loan process. We 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 her directly to resolve her concerns.  We intend to resolve this in a fair and reasonable way.

I am rejecting this response because:I have not received any further communications from this company since filling this complaint offering any solution to this problem.