World Capital Management

Dear*** *** ***:This is in reference to complaint #*** from *** *** ***. Upon receiving this complaint, we reviewed our records about the situation. To reiterate, *** *** requested his company to be removed from any future OnDeck marketing materials,
and for noting our inadvertent mailing to his residential address.I can confirm that we have removed *** *** from our marketing lists, and have added his name to our “Do Not Call” list. Because our marketing materials are often sent out weeks in advance, he may receive one more piece of marketing from OnDeckPlease know that this is the last piece he should receive and that we have removed *** *** from the list for any future mailings. Thank you very much for letting us know, as we wish to accommodate his request. Sincerely,*** L***Director of Customer Service

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here] I checked my Equiifax score that morning prior to contacting OnDeck using MyScore.com where I have a monthly subscription, and my score was The "loan specialist" did not mention any issues with my credit bureau score; he only said I was disqualified based upon being $10,under the annual revenue limit I was polite and courteous to the gentleman even though he did not reciprocate the same qualities to me because I have been working as a professional for years He disconnected the phone call while I was in mid sentence This is very rude and shows poor training on the part of OnDeck And I was responding to a pre-qualiified offer from OnDeck ( And I am well aware that pre-qualified does not mean pre-approved) But, I am shocked that a company that advertises itself to be the be the best friend of businesses in need of funding operates this way I still feel that I deserve more than seconds to review my application, and that is not goiing to changeI have too much lending experience to know that my application could have been appoved with a different "loan specialist"; one who actually understood credit risk and underwritingI very much doubt the person I spoke with could explain how the credit bureau score is derived; whereas, I am an expert in this field, and can do so easily.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

*** *** *** ***
*** *** *** *** *** *** **
*** *** ***
*** *** *** *** *** *** ***
*** *** *** * *** *** Anthony, Thank you for taking the time to speak with me last week. It was a very informative discussion, and it helped support our current process around how we manage and respond to our Revdex.com complaints. The case below is one that I used as an example in our conversationThe merchant is upset at OnDeck for denying their loan application. Our Sales team and our Customer Service team have spoken to the merchant (which we outlined multiple times in our responses), but the merchant is “insisting” on speaking to the Underwriting team that denied their loanAt OnDeck, and at pretty much every Financial Institution, the Underwriting team is not a team that speaks directly to the customers. What the merchant keeps on requesting is not available, and we cannot accommodate the merchants request. Also, I don’t want to publically write in my Revdex.com response the reasons the merchant was denied for a loanI feel that providing that information in a public forum like the Revdex.com would be detrimental to their business (declining revenue as the primary reason). What is our next steps hereAfter responses, there isn’t much left for OnDeck to sayThough if needed we are happy to keep on responding the same message. Thanks for our assistance. Eric L***

Thank you for giving us the opportunity to respond to *** ***i. *** *** signed and agreed to the terms and conditions of the OnDeck Business Loan and Security Agreement on March *** *** ***’s loan amount, disbursement amount, his repayment amount, and
other useful information were presented to him during his application and check out process. On March ***, 2017, *** ***i called our Customer Service Department and based on unforeseen business circumstance, *** ***i wanted to return his advance to OnDeck. Since *** ***i’s initial contact with our Customer Service Department, OnDeck has been in constant communication with *** ***i. As of March *** 2017, OnDeck and *** ***i have come to a mutual agreementWe will continue to be in constant communication with *** ***i in regards to his current circumstance until the matter has been completely resolved. If *** ***i has any additional questions in regards to his account, he is more than welcome to call Customer Service at ###-###-#### option

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved.I would like to inform Revdex.com that On Deck have resolved this in a very professional mannerFunds have been wired to their account on Friday 3/**/and I believe that my account is closed by now.They do deserve their highest rating with Revdex.com. Thank you to Revdex.com and OnDeck customer serviceAll the best,
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
If you go back and review all their complaints, this is their standard answer with a few tweaks by the same individualI do not know who this individual is and requested to speak with the decision maker or escalate this matterThis is not a response but a standard talking points responseInteresting to see that they approved two previous loans with lesser numbers than what we show nowSo, how did it approve then and not nowThis is just their excuse to give a response and go awayNot going to happenFor the Revdex.com to give them an A+ rating with all these rejected complaints is not accurateBu little do customers know, businesses pay for this rating it is not given based soley on performance.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
Hi there, They sent me a $un-useable gift cardI didn’t ask for the gift card, they just sent it thinking it would “resolve” the issueThey overcharged me on my loan of about $and this was their attempt at resolving itI don’t want a gift card, I want my money back. Sincerely, *** ***
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

On Tuesday December ***, OnDeck and *** ***
discussed the current issues concerning *** *** complaint. OnDeck and ** *** settled the issue with an agreed
upon resolution. OnDeck appreciates the
patience that *** *** had with the process, and we are happy that all parties
are satisfied with the final outcome.OnDeck strives in providing an experience that goes above
and beyond our customer’s expectations.
We appreciated the feedback from *** *** and the opportunity to improve
our communications process.Sincerely,Eric L***OnDeck - Director of Customer Service

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved
I want to be completely removed from this company's databaseIf I receive any more mail or phone calls to my home I will sue this company for invading my privacy because my business is not be associated with my home!
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Thank you for giving OnDeck the opportunity to respond to *** *** request to have a business phone number
added to our Do Not Call list. All OnDeck Sales and Customer Service
teams are trained in handling these requests, and I apologize for any delay *** *** has
experienced.Based on the information provided OnDeck is not able to locate any records based on the business name or
phone number provided by *** ***OnDeck sent a separate email request to
*** *** on Friday, October *** and also on Tuesday,
October *** to gather alternative contact or identifying information that may be used
to locate an existing business record. As of the submission of this response OnDeck has not heard back
from *** ***.For *** ***, or any other customer that would like to be added to
our Do Not Call list, they can either send the written request to *** or
by calling our Customer Service team at ###-###-#### Option Based on
providing a number that can be matched to our records, we will add that phone
number to our Do Not Call list.I hope that this response confirms our commitment to our policy and our
customers. Eric L***Director of Customer Service - OnDeck

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***

Dear *** *** Thank you for giving OnDeck the opportunity to respond to *** ***s request that all of his personal information, loan application data, and his OnDeck account be deleted from our system*** *** applied for an OnDeck loan in September 2013, and he has requested that OnDeck
remove from our internal systems all of the information he provided in his loan applicationOnDeck’s internal policy is to maintain customer files for at least years after the termination of the relationshipOnDeck takes the security of applicant and customer information very seriouslyOur systems have strong data security controls to ensure that our customer data is not compromised and or leakedWe have currently opted *** ***s out from any OnDeck Marketing and Phone solicitationsIf *** ***s has any further questions, he is more than welcome to call Customer Service at ###-###-#### option

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
Tehey finally returned two days worth of fundsThey offered a dollar gift card and I have yet to receive itI also believe that the attorney general should look into their business practices for settlements
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
Company was not given permission to access my information or send me their unsolicited junk
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

To: Revdex.com and the ON DECKOnce again, On Deck response is vague and ambiguousMultiple emails were sent to the account manager and now repliesIf you can provide the transcript and the supporting emails I will be satisfied and closed this complaintI have provided multiple times of the emails between the account manager and I.I was told differently than what the company policy wasshouldn't the employee be aware of the company policy more than the customerespecially the executive account manager
Sincerely,
*** ***

Thank you for giving OnDeck the opportunity to respond to *** *** concerning our final agreementOnDeck spoke with *** *** on February ***, and confirmed that ** *** received the gift card. At this time OnDeck and *** *** have fulfilled our final obligations If *** *** has any further questions he can contact the OnDeck Customer Service team at ###-###-####.Sincerely,Eric L***OnDeck Director of Customer Service

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***

Thank you for giving OnDeck the opportunity to respond to *** *** in regards to her business TRC Management Services, LLC’s (“TRC”) On Deck Capital, Inc(“OnDeck”) account Below is a summary of TRC’s loan history with OnDeck, along with additional information that may help *** *** with
her inquiryTRC had three loans with OnDeck. TRC’s first loan originated in November of TRC then renewed into a new (second) loan in March of 2015, and another new (third) loan in December of 2015. During the term of TRC’s third loan, TRC and OnDeck worked on a variety of different payment options to support *** ***’s requests for payment support. Nevertheless, TRC continued to miss payments and the account only grew further into default. On December *, 2016, *** *** communicated to OnDeck that TRC would start paying towards the past due balance. She also noted that TRC planned on securing a Small Business Administration (“SBA”) loan to pay off the remaining balance OnDeck nonetheless continued to present alternative payment options to TRC, and was needless to say not paid off by any such SBA loan let alone TRC. On March *, 2017, the account was written off and sold to a third party, *** *** *** *** (“***”)In short, OnDeck made several attempts to work out a suitable arrangement for TRC If *** *** has any questions in regards to the TRC account now owned by ***, the best contact for *** is c/o its servicer and corporate affiliate Resurgent Capital Services L.P., ** *** *** *** ** ***, customer service number ###-###-####OnDeck Customer Service is available to *** *** if she would like to discuss this further. OnDeck Customer Service can be reached at ###-###-#### Option

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The total refund amount of $6,886.44 was not refunded. Only $2,547.15 was refunded.. Still waiting on the remaining amount of $4,339.29The original amount of refund quoted by my account manager [redacted] was verified per account dept. according to [redacted].Trails of emails between the account manager was sent to customer service for verification.25% discount according to the customer service is incorrect. Remaining balance was $10,687.65, 25% of this amount should be $2,671.91 and not $2,547.15Company should be responsible for all employee's action's especially the company executive
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

We appreciate [redacted] contacting us once again. As mentioned in our early response, [redacted] would have to contact [redacted] directly to further discuss her account and any other questions she may have. [redacted]'s account is no longer active with OnDeck.   [redacted]’s Contact Information:   Phone: ###-###-#### Fax: ###-###-#### [redacted]