Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/04/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  With zero explanation this company sent me a threatening email with the subject line "NOTICE OF LITIGATION" --- there was no succinct explanation in the email. There were two Adobe PDF documents attached. I did not open either of those, fearing they were "phishing" attempts. When I phoned the company, they gave no substantive information. When I explained that there should be NO LIEN against me (my company is a solopreneurship, and the person they were attempting to harass was not connected) they told me to ignore their less-than-communicative email. The woman I spoke to had poor grammar, and no real explanation to offer. This is unacceptable business practice, and the company should be reported. So I am reporting them.

  Business Response

  Date: 06/11/2025

  We appreciate the opportunity to respond to this complaint; however, we firmly reject the complainant's characterization of our communication practices and intentions.
  
  The email in question was a compliant notification regarding a pending commercial matter. The attached documents, standard Adobe PDF files, were formal communications directly related to a *** lien associated with a defaulted contract between the complainant and our client, Everest Business Funding. These materials are neither threatening nor misleading; they were sent as part of routine correspondence concerning a commercial loan.
  
  To clarify the underlying facts: On June 6, 2023, the complainant entered into a commercial funding agreement with ************************ for $17,000.00, with a contractually agreed repayment total of $25,330.00. As of this response, only $5,395.67 has been repaid, with the last payment received on July 27, 2023. This is a commercial obligation, not a personal one, and is enforceable under UCC Article 9. The referenced lien was not filed by our office; it was executed at the time the loan was originated.
  
  While we are committed to conducting ourselves with professionalism, we cannot be held accountable for dissatisfaction arising from the consequences of a delinquent financial obligation. This complaint does not raise a legitimate dispute; rather, it appears to be an attempt to undermine lawful enforcement actions related to a valid and verified debt. The Better Business Bureaus own guidelines allow for dismissal of complaints that are frivolous or not submitted in good faith. Based on the facts and documentation provided, we respectfully request that this complaint be closed without further action.
  
  Should the complainant wish to resolve the matter amicably, we are open to a settlement discussion. Otherwise, we will continue to pursue all remedies available to our client under the terms of the agreement and applicable provisions of *** Article 9.

  Customer Answer

  Date: 06/11/2025

   
  Complaint: 23420158
  
  I am rejecting this response because:  I have NEVER entered into any funding arrangement with ANYONE (including  with Everest Business Funding for $17,000.00).  ************************ is a solopreneurship.  I have never been funded by ANYONE.  This is a case of mistaken identity, and your representative included me in a dispute of which I have NO KNOWLEDGE and for which I have NO RESPONSIBILITY.  Get your facts straight;  if you are going to go after a collections account, better ensure that you have the right person when you contact someone.  This feels highly incompetent to me. 
  
  Sincerely,
  
  ******** ******-******..knorton-****************** and by phone at ************

  Business Response

  Date: 06/17/2025

  Thank you for bringing this matter to our attention.
  
  In reviewing your complaint, I have listened to the call recordings, reviewed the email correspondence, and attempted to replicate the process the agent used to access your information as a third party, but was unable to do so. Based on these findings, it does appear that something is amiss.
  
  Please be assured that there will be no further contact from our company regarding this issue. We sincerely appreciate your feedback and will use this incident to improve our training and ensure similar issues do not occur in the future.
  
  We appreciate your patience and understanding throughout this process.

• Initial Complaint

  Date:05/29/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing a formal complaint against a company affiliated with the Vanguard Group for engaging in unethical, predatory, and harassing debt collection practices related to a merchant cash *********** of their representatives, a woman named *********, has repeatedly harassed me on a daily basis via phone calls, text messages, and threatening emails. Despite my multiple requests for her to stop calling and harassing me, she has continued to contact me incessantly, causing me severe anxiety and emotional distress.I had a remaining balance of $7,000 on a merchant cash advance. When my bank account was closed, I informed them immediately and told them I would provide updated banking information within three days. Instead of honoring the original terms or working with me professionally, they transferred my account to a company called the Vanguard Group, which then attempted to extort a payment of $16,000 more than double the original balance.When I refused to pay an inflated and unjust amount, I was told I could either pay:$12,000 in installments, or $9,000 as a one-time payment.This is both unreasonable and exploitative, especially in todays economy. I reiterated that I am absolutely willing to pay the original $7,000 balance I owe but not a cent more.Since then, ********* has sent me ongoing threatening messages stating that the company will:Freeze my bank account Freeze my Cash App Freeze my Apple Pay Seize my vehicles despite no legal judgment or due process.These aggressive and potentially illegal tactics have created significant emotional trauma and disrupted my ability to operate both personally and professionally. I have responded promptly to all communication, and I have documentation to prove this.This companys behavior is nothing short of predatory and exploitative, and I am urging your office to conduct a full investigation. Their actions could and should warrant legal consequences or business shutdown.

  Business Response

  Date: 06/06/2025

  Dear *****,
  
  We are writing in response to your recent formal complaint. Please be assured that we take all concerns seriously and have conducted a thorough internal review of the matter.
  
  A manager from our team contacted you on June 5, 2025, in an effort to resolve this matter amicably. We understand that you may be experiencing financial hardship, and we are currently awaiting the bank statements and hardship documentation that we previously requested. Once received, we will promptly submit this information to our client on your behalf for their review and consideration. Please note that any modifications, payment plans, or settlement offers must be approved by the client.
  
  To clarify, our company has been retained to collect the remaining balance and enforce a Uniform Commercial Code (UCC) lien related to a merchant cash advance agreement you executed on March 21, 2024. Under that agreement, you agreed to repay a total of $22,500.00.

  To date, $8,638.19 has been paid, leaving an outstanding principal balance of $13,861.81. In addition, the following default-related fees, as outlined in the original contract, apply:
  Default Fee: $2,500.00
  NSF Fee: $150.00
  UCC Fee: $250.00

  This brings the total amount due to $16,716.81. These charges and our collection efforts are fully supported by the terms of the agreement and are lawful under the applicable *** lien.
  
  While we acknowledge your dissatisfaction, any concerns regarding the structure or terms of the agreement, or the amounts owed, should be directed to *************************** original party to the contract. Our company has acted strictly within the legal and contractual obligations established in that agreement.
  
  We remain open to continued communication and strongly encourage you to provide the requested documentation so that we may advocate on your behalf with our client.
  
  Additionally, we would like to address the filing of your complaint with the Better Business Bureau. The BBB has established procedures to identify and dismiss complaints that are frivolous or lack a legitimate basis for dispute resolution. Based on the facts and documentation, your complaint does not reflect a genuine contractual dispute, but rather appears to be an attempt to avoid a valid financial obligation. As this is a verified commercial debt, we respectfully request that the BBB dismiss this matter accordingly.

• Initial Complaint

  Date:05/19/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was In debt by making a stupid decision and taking those insane loans where u have to pay back daily. I was diagnosed with colon cancer I have been fighting this paying medical bills and dealing with depression and being out of work for 3 years. These people make my cancer worse the rudeness the calling and sending crazy emails, I finally got a job on Dec. 30th and I have paid them over $4000 at this point they want me to pay another 4700 in June. I simply dont have it and they are not willing to work with me, this is insane especially since Ive paid so much already. The crazy thing is they could be lying and scamming me and I have no idea the process of all of this I just really dont want a lien on my bank account I dont own anything and Im living with family. Im just getting back on my feet and they are making my life h*** Im really scared the stress is going to cause my cancer to spread . I need help with this and I need them to work with me. This loan was the biggest mistake of my life ! I found old email them asking to settle for $3600 ? If they will settle for that then *** paid way more than that towards this debt ! Please help me

  Business Response

  Date: 05/27/2025

  Dear Ms. ****************** hope this message finds you well. I want to first thank you for taking the time to share your concerns and personal circumstances with us regarding your account with Vader Servicing. We understand that this has been a difficult period for you, and we truly sympathize with the challenges youve described.
  
  Please know that we have taken the time to carefully review your case. As you may recall, one of our Senior Managers has previously reached out to you in an effort to discuss your situation and find a way forward. We regret that we have not yet been able to connect at a mutually convenient time.
  
  We understand that much of your frustration stems from the terms of the original loan and the collection efforts associated with it. While our office is acting on behalf of the client and does not control the original loan terms, we remain committed to working with you in good faith to explore a more manageable resolution.
  
  We also acknowledge the payments you have already made, and we appreciate your efforts toward resolving the debt despite your difficult circumstances. That said, your most recent scheduled payment was missed, and its important that we speak soon to discuss your options. If we are unable to do so in a timely manner, there is a risk that the client may move forward with forcing closure on your account in our office and transferring it to another agency.
  
  Please be assured that we are not here to cause additional stress or hardship. Our goal is to find a workable solution that aligns with your current financial situation. While any revised terms must be approved by the client, we are more than willing to help present your case and advocate on your behalf.
  
  We truly want to help resolve this matter in a respectful and constructive manner. If there is a time that works best for you, please let us know, and we will do our best to accommodate.
  
  Thank you again for bringing this to our attention. We look forward to speaking with you and working toward a solution.

• Initial Complaint

  Date:03/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have honestly never been treated so poorly by a company ever.I've been hung up on multiple times the amount of stress that I carry every day wondering if they're gonna freeze my bank accounts which they have threatened to do multiple times is honestly unbearable at this point I don't really know where to turn. I have told the multiple times that once I received my taxes that I would pay the settlement balance.I've already given them a thousand dollars of my own money which is tight to begin with. I have tried to setup a monthly payment arrangement for $500 a month until the settlement balance is paid and im told do go borrow money from friends and family. I can't even sleep at night knowing the keep telling me they'll freeze my accounts. I still have not received my tax refund and now I don't know what to do. Every conversation is basically just them trying to get me to make another good faith payment. I'm out of options at this point until my ta es are received and would like them to agree to setup a monthly settlement.

  Business Response

  Date: 03/10/2025

  Mr. *********,

  We wanted to provide an update on the steps we've taken regarding your settlement offer and to clarify the current status of your account.

  After reviewing your situation, weve moved your account to a protective status. This means you will not receive further communication from anyone besides the manager who spoke with you today. Our goal is to ensure that the temporary payment plan weve agreed upon remains in place until your tax refund is received, at which point we expect the remainder of the settlement balance to be paid.

  We appreciate your cooperation in working with us, and were glad weve been able to reach an arrangement that aligns with your current circumstances. If you have any questions or concerns, please feel free to contact the manager directly, as they will be your point of contact moving forward.

• Initial Complaint

  Date:02/20/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On February 19, 2025, I received an email for the first time regarding an alleged escalation, a *** lien, and several unprofessional statements from your company. After conducting some research, it appears that your organization represents another company, which in turn represents Kabbage. The entire situation is complicated and unclear at this point.When I requested proof of prior communication, the only document I received was a PDF not even with a letter head, dated February 19, 2025, which appears to have been created on the same day, that your company was hired by ************************. Prior to this, I had never heard of Plumeria Accord Holding or Vangarde. Yes, Vangarde send me also some old documents from Kabbage, but no documents proving any direct connection between *******, Vangarde, Plumeria and the verification of that claimed debt.Your company has claimed that multiple entities have been attempting to contact me for years regarding this debt. I have requested proof of these claims and verification of how the debt was calculated, yet I have received no response.Additionally, I have noticed that your business is not accredited by the BBB, and I have been unable to locate your LLC registration number or identify the owner. I would like to communicate directly with someone from your management team regarding this matter.Furthermore, it has come to my attention that your company has contacted individuals who happen to share my last name, making statements similar to "this is an investigation" or inquiring whether they know me. This conduct is unacceptable, as you have no legal standing to disturb unrelated individuals.I expect a professional and fact-based response with the requested documentation.

  Business Response

  Date: 02/21/2025

  Dear *****,
  
  We acknowledge receipt of your concerns. Our company has provided you with all relevant documentation, including a full chain of ownership, account history, and verification of the debt. The claim that you were not provided with sufficient documentation is inaccurate.
  
  Our role in this matter is to investigate the guarantors ability to satisfy their financial obligations. When direct communication is not acknowledged or avoided, it is standard industry practice to seek alternative means of contact, including third-party outreach, to facilitate resolution. At no point has our company engaged in any improper or unlawful conduct.
  
  We encourage you to communicate directly with our team so that we may resolve this matter efficiently and professionally. If you require any additional clarification, we remain available to discuss the details of your account.

  Customer Answer

  Date: 02/28/2025

   
  Complaint: 22969969
  
  I am rejecting this response because it is still not clear to me that the company:

  
  a) Has a legal right to contact me on behalf of a potential debt.
  b) Has provided sufficient business information, including ownership details, EIN, or any other verification that confirms it is a legitimate business and not a scam.
  I was a victim of identity fraud a few years ago, and my credit report reflects that information. Additionally, I filed a complaint with the FTC back then. Therefore, I must know exactly who I am communicating with, as well as their legal right to contact me on behalf of any potential debt and access any of my information.
  Having a website without verifiable business details is insufficient. I requested the company to provide all the necessary documents and information. While I have received some of the requested materials, not everything has been provided.

  Including zero confirmation that they or anyone else contacting me for years. As in reality, the middle of February of 2025 was the first time when I heard about that company and that debt amount.

  As per my rights, I have up to 30 days to respond.
  
  
  

  
  

  Business Response

  Date: 03/03/2025

  This complaint is without merit and represents an attempt to delay resolution of a legitimate commercial debt obligation. The complainant is a personal guarantor, and this debt is not subject to consumer debt protections.
  
  The complainant has already been provided with:
  
  -Verification of the debts legitimacy and their personal guarantee.
  -Proof of our legal authority to pursue collection.
  -Business verification details, including ownership and transaction records.

  Additionally, the claim that this is the first time they have heard of the debt is demonstrably false, as there is a clear record of prior communication and notices. The reference to identity theft is also irrelevant unless supported by specific documentation proving that this obligation resulted from fraudnone has been provided.
  
  The Better Business Bureau has established measures to reject frivolous complaints that serve no legitimate dispute resolution purpose. This complaint falls squarely into that category, as it is not a bona fide dispute but rather an attempt to evade a clear financial obligation. Given that this is a verified commercial debt, we request that the BBB dismiss this matter accordingly.

  Customer Answer

  Date: 03/03/2025

   
  Complaint: 22969969
  
  I am rejecting this response because:
  
  I did not receive any confirmation that I was contacted before. Please submit it.
  Asking who owns a company and verifying that the company has the legal right to collect a debt is NOT delaying anythingit is my legal right to know with whom I am communicating. I believe the BBB should also be aware of who is behind this organization, given its poor customer service and questionable practices.
  Furthermore, this organization does not contact businesses; instead, it reaches out to personal emails, cell phones, etc. This means the company must comply with the rules mentioned previously.
  Additionally, I have sent a certified mail today containing very important documents related to the issue to the company's address. From now on, all communication must take place only through certified mailno personal email will be active or available. I still expect them to provide the requested documents before we can potentially reach any agreement.
  Thank you.

• Initial Complaint

  Date:02/12/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a contract with ********* several years ago. At the conclusion of our agreement, I owed them approximately $1450. It was during COVID, the company was suffering, FUNDWORKS did not honor a payment arrangement and was debiting incorrect amounts. I made out a certified check in the amount and mailed to TRACE BEERS @ FUNDWORKS for final payment. Mr. ***** refused the payment and told me he decided to turn it over to a Collection firm that escalated the $1450 to $6500. stating fees were incurred. Now, VANGARDE, ***** is the employee is harassing me daily. I am very ill, have organ failure, major surgeries, 78 yrs old, only income is social security under $1000 monthly. The company dissolved, bank accounts were closed. We offered to pay and sent them payment three times in a certified check before we closed, two certified letters returned along with initial letter and check we sent which disappeared. I have explained everything, I do not own a car, house, anything of value was sold a long time ago. My health is deteriorating, I live on a mandated medication because of organ failure. Now, I deal with ***** ***** stating I have to provide my checking accounting and tax statements. I do not file taxes, I live on SS under $900 a month and have over $85000 in medical bills at 78 yrs old. Mr. ****** Vangarde client was offered final payment almost 2 yrs ago and refused. Also a letter was sent to thier inhouse attorney. VANGARDE NEEDS TO STOP HARASSING ME.

  Business Response

  Date: 02/20/2025

  Dear Mr. ****************** hope you are doing well. I wanted to personally follow up on your recent complaint.
  
  I understand your frustration and appreciate the opportunity to address your concerns. Please know that our office was not involved in nor aware of any actions prior to the account being placed with us. That said, we have placed your account in a protected status, and you will no longer receive any further contact from our office regarding this matter.
  
  If you have any further questions, please dont hesitate to reach out.
  
  Best regards,

• Initial Complaint

  Date:01/30/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My account with Giggle Finance went unpaid and sent to Collections. This company Vangarde Group was the company to take on the account. The agent who reached out to me is ***** ******* . I specifically asked her They [ Giggle finance ] wants me to pay $2053.65 within two months? she said YES . Though , once she sent me an email for the payment it stated that they wanted $4107.30 . I also questioned her on if there was currently a Lien and she said yes but her voicemail stated that if I voluntarily surrendered and paid that it would be avoided. So once I brought to her attention that the amount she confirmed was different than the amount in the email she then said they would proceed with pre-litigation . I dont appreciate being lied to and mislead on top of her threatening and disrespectful tone. I am willing to pay $2k [ over 4 payments ] with the service fee charges but anything more than what was stated and agreed to by their employee is ridiculous. If need be I will contact my lawyer because the unprofessionalism is disheartening.

  Business Response

  Date: 02/06/2025

  Dear Ms. *************** hope you are doing well. I wanted to personally follow up on your recent complaint.
  
  After reviewing your concerns, I want to acknowledge that this is not the experience we aim to provide, and I sincerely appreciate the opportunity to address the matter. Thats why I attempted to reach out via SMS and phone call after reviewing your complaint, but unfortunately, I did not receive a response.
  
  After a thorough review, we recognize that there may have been some miscommunications regarding the payment terms and lien status. Our goal remains to work with you toward a resolution that aligns with your financial situation while meeting our clients requirements.
  
  We are open to discussing a more manageable arrangement; however, please note that final approval rests with our client. In the meantime, your account (Giggle deal #********* has been placed in protected status, and you will not receive further communications from our office unless necessary.
  
  We take your feedback seriously and will use this as an opportunity to improve our internal processes. Should you wish to discuss this matter further, you may reach me directly at ************.
  
  Thank you for your time, and we look forward to assisting you.
  

• Initial Complaint

  Date:01/28/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We were contacted by the company just recently of a debt that they say we owe. The individual that handled emails and calls for this small business was being contacted but didnt inform us. Once I finally spoke with the Vangarde Employee, I informed him that the business was no longer operating. We can not afford the amount that was given, but we are willing to work to get the debt paid on our term because a lack of funds. This company refuses to work with you in any type of way..

  Business Response

  Date: 01/30/2025

  We appreciate you taking the time to share your concerns.

  Were pleased to confirm that one of our managers has already reached out to discuss a resolution, and we have since come to a mutually beneficial and agreeable arrangement.

  While we understand that the initial complaint was filed before this outreach, we are glad to hear that you are now very satisfied with the resolution and how the matter was handled.

  We also appreciate your willingness to rescind the complaint.

   If you have any further questions or need any assistance, please dont hesitate to reach out.

• Initial Complaint

  Date:11/21/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company sent a harassing intimidating text message UCC file to my friend's and family at 11:00 at night terrifying my mother that now thinks that they're coming after her assets

  Business Response

  Date: 12/03/2024

  We appreciate you bringing this matter to our attention and value the opportunity to address your concerns. Please be assured that all complaints are thoroughly investigated and taken very seriously.

  Our company is employed by ************************ to assist in resolving an outstanding balance of $5,838.13. The assigned agent for this account is tasked with communicating with the guarantor to work toward an amicable resolution. Following this feedback, a manager reached out to the guarantor to discuss the account and explore potential settlement options. During this discussion, the ********* mentioned considering bankruptcy but requested that the settlement offer be sent via email for review.

  Rest assured, all communications are handled professionally and with the intent of resolving matters effectively and respectfully. Should you have any further questions or concerns, we are available to assist at your convenience.
  
  

  
  

  Customer Answer

  Date: 12/03/2024

   
  Complaint: 22585560
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:11/13/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Continued lies and Harrasment based on the fact that the company will not accept my payment terms being that my company is no longer in business because of this predatory lending obligation.

  Business Response

  Date: 11/20/2024

  We wanted to explain the steps weve taken to help you with your settlement offer and why we were unable to move forward.

  
  Our objective was to assist you in creating a temporary payment plan by advocating on your behalf to the client. For this, we requested hardship documentation and bank statements to illustrate your financial situation. Unfortunately, without these documents, we couldnt proceed with submitting your case.

  
  If hardship approval had been granted, it would have allowed for a temporary payment plan designed to fit your current circumstances. These plans are regularly reviewed to ensure they align with any changes in your ability to pay, with adjustments made over time as needed.

  
  We were dedicated to helping you find a solution that worked, but without the required documentation, we were unable to advance your case. Your account has been returned to the client for further action, and we hope a resolution will still be possible.