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  • Report: #1003340

Complaint Review: Best Pay Today

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  • Submitted: Fri, January 25, 2013
  • Updated: Thu, February 07, 2013

  • Reported By: Stephanie — Dandridge Tennessee United States of America
Best Pay Today
Internet United States of America

Best Pay Today bestpaytoday.com Lied to myself and my husband and also said that they would call me a liar when I threatened to report them to the BBB. Internet

*Consumer Comment: Limp defense

*UPDATE Employee: 100% Bogus Complaint

*Consumer Comment: Not at all bogus complaints

*Author of original report: BOGUS Complaint I dont think so!!!

*UPDATE Employee: Bogus Complaint

*Consumer Suggestion: Big Red Flags

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My husband contacted this company for a loan. He got a phone call wanting to verify his information so he did they looked at his banking information. After that he got 4 phone calls from different people stating that he didn't get the loan b/c he didn't have direct deposit. After calling several times speaking with different people he finally got that fixed and was told that everything was approved and the money would be in his bank the next day.

Later that afternoon he got another phone call stating that they were unable to verify his employment. He contacted me (his wife) and asked that I have his manager call them to verify. I tried calling the company to let them know that they had to contact The Work Number to verify his employment. I called was unable to get anyone well finally someone picked up the phone all I could hear was a meeting going on in the background and then some man say this is bull shi* and then pick up the phone say Austa Min Yana and hung up the phone.

So, today the company contacted me this morning I gave a lady named Sara the information for The Work Number. She called me back to inform me that they wasn't able to verify employment with them because you have to do it online and I guess they don't have a account. I then was telling her how to get in touch with the branch and she said at that point the loan was denied because they were unable to verify employment. I called back and spoke with a man name Marvin and he was very nice and he said that they would do a 3 way call to verify his employment to get this done he transferred me back to Sara and I informed her on what Marvin had said and she told me that they couldnt do that and that they wasn't to approve the loan because of previous NSF's. 

I ended up hanging up the phone on her and I called back and asked to speak with Valerie she was very nice told her everything she said that she was unable to use the same application that my husband would have to resubmit the application again so he tried 3 times and it wouldn't go through. I called her back and let her know and she said that she could just verify his employment and everything would be fine. I gave her all the information she needed to get someone to verify his employment. I called her back after I got back from lunch when I was informed that they had called and verified his employment. I asked to speak with Valerie and got a Louise and she said that the loan was denied that they were unable to verify employment I informed her that they did and who they spoke to and she was saying no that was incorrect calling me a liar. After going back and forth on the phone I told her that I was going to report them to the BBB and she said that she could say that I was a liar because my husband put the branch phone number down for employment and I had gave them a different number. 

She said that it was lying on a application I said no it's not it's not my problem that they have to get information on The Work Number and they don't want to pay for it. The branch isn't supposed to verify employment they did because this company was such a pain. I hung up on Louise I called her some very not so nice things when she called me a liar. I called back finally got Valerie and she said that she was able to verify the employment but because of the NSF's they couldnt approve the loan. I don't understand how you can say that you are approved several times and also send a email stating that you are approved and then it seems like once all these other problems arose that's when they come up with the other stuff.    

This report was posted on Ripoff Report on 01/25/2013 01:18 PM and is a permanent record located here: http://www.ripoffreport.com/r/Best-Pay-Today/internet/Best-Pay-Today-bestpaytodaycom-Lied-to-myself-and-my-husband-and-also-said-that-they-woul-1003340. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 5Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Limp defense

AUTHOR: Jo - (United States of America)

And I think it's even sadder when businesses practice deceptively.  No harm?  How about this?  I was APPROVED for the loan, told when and how much would be deposited.  With that assurance, I stopped looking for assistance.  And when the APPROVED loan was never made real by you, I incurred INSF fees because you had not delivered on a contractual promise.  I never got so much as a follow-up saying, "oopsie, sorry.  we really didn't mean to approve your loan, so don't wait for the money". 

Oddly, I can see nothing in your list of underwriter mortal sins that pertains to me.  And if something gave him/her acid indigestion, why not let me know (albeit at the 11th hour) that you changed your mind, instead of causing me to rely (as in "contract") on what I received in writing.  The elements of a contract, by the way, are offer, acceptance and consideration.  They don't have to be in writing (but better if they are) and your contract was indeed in writing.  Ask one of your lawyers there how this plays out and when  you discuss "consideration" be sure to mention the fees I lost from your failing to deliver. 

Yes, we are forced to accept your legally-blessed usury but I KNOW we do not have to accept false or misleading information.  A simple e-mail back to me would have made this a non-event.  Examine your corporate procedures.

I suspect you are a young, naive employee who mindlessly follows the "book" (unempowered to make decisions) and is desperate to hang on to your job.  I don't blame you.  But I am a retired professional and in my career, I learned that I was unwilling to compromise my personal ethics on behalf of ANY employer.  You should learn the same; the consequence of not doing so can be mighty.
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#2 UPDATE Employee

100% Bogus Complaint

AUTHOR: Underwriting - (United States of America)

Definition of being ripped off.  When a person is "RIPPED OFF" it means there is a victim that has lost money or was scammed out of money. There are NO CLAIMS here whatsoever that anyone lost money. In fact, no money was exchanged by any potential borrower.

If you have a customer service complaint, be fair and file it with the BBB so it can be fairly answered.

When a person APPLIES for a payday loan, a payay industry ping of credit worthy checks takes place. Some applications are denied outright while other applications make it through. These applications making it through the initial check are PRE-APPROVED for a loan subject to verification of all the information presented on the application and then must be subsequently APPROVED by the Underwriter.

Loans are denied for a variety of reasons by the Underwriter considering all the information that has been gathered. Missing information, a high debt to income ratio, multiple outstanding loans, unable to Verify Emploment, Minimum Income not met, Account duration not met, hig number of NSFs, etc.

You simply did not get approved by the underwriter. You didn't get the loan. So instead of you going to the BBB to file a bogus customer service complaint that could be answered with a 3rd party determining fairness, you run and hide behind rip off report when you haven't lost even a penny.

That's pretty sad
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#3 Consumer Comment

Not at all bogus complaints

AUTHOR: Jo - (United States of America)

There are SO many people filing the same or similar complaints about this company. I am one of them. No way this is a legit business.  If it is, have the CEO call each of us. 

I DID get approved for loans and I DID e-sign.  That was the end of it - the money was never sent as promised.  So far, they have not attempted to debit my account, but this is a great way to go after people on specious terms.  They have our most sensitive info, they have us signing the loans, but we have nothing to show for it. 

I suggest everyone file with the Feds' Consumer Financial Protection Board.  I have done so on several other scamming lending companies. CFPB called and spoke to me, confirming info, etc.  Hang on to your bank statements and transaction summaries - they can show that no such money was deposited.  Keep notes re: your CFPB report/reply. You can also put a STOP on this entity with your bank.  Best of all, shut down that account and open a new one.  CYA
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#4 Author of original report

BOGUS Complaint I dont think so!!!

AUTHOR: Stephanie - (United States of America)

The information for the Direct Deposit was verified by one of the employees. I am not upset b/c we didnt get the loan becuase after everything that happened it was a blessing. When a employee at a company threatens you then I think that just shows the type of company they are. They can say all they want trying to get new clients but I will continue to write about how bad this company his so that people will beware.

My husband was so upset when I told him what I was told after I threatened to report them that he even tried to call to give them a piece of his mind but they were closed. Everyone at that company claims to be a manager or a supervisor and they are not. I even asked for someone from the loan department to give me a call the lady said that she sent them a email and I have yet to hear from anyone.


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#5 UPDATE Employee

Bogus Complaint

AUTHOR: Underwriting - (United States of America)

Bestpaytoday is a license lender. The client in question applied for an unsecured loan, known as a payday loan. In the clien't report, no where can it be said that anyone "ripped her off". The company took no money from the client whatsoever and there is no upfront fee.

A person applying for a payday loan must qualify for the loan as they would any other loan. One requirement is that a person have direct deposit of their payroll account for a minimum of 30 days. The client said "it was fixed". There is no validity to this statment. The client did not have this requirement.

Another requirement is to verify all banking account information for minimum income, other loans, debt to income ratios, number of NSFs etc. If any of these indicators are over the maximum allowable limits the loan is denied.

Last, but not least, Verification of Employment is a necessary step as unfortunate people who have been laid off or fired become desparate and seek payday loans. Some employers do not readily provide this information and instead use a 3rd party service. It is not the responsibility of the Lender to pay this fee in order to fund a loan for a borrower.

As such, the cleint is questions did NOT get ripped off. They were denied for a loan because they did not qualify on one or more underwriting issues.

This is simply sour grapes.

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#6 Consumer Suggestion

Big Red Flags

AUTHOR: John - (U.S.A.)

#1  The website has no real contact information other than a phone number. No physical address shown.

#2  The domain registration shows a Doral, FL address of a mail forwarding company. The domains DNS server is based in Europe. The domain was just registered last NOVEMBER.

#3  The SSL certificate is merely a 'domain validated' certificate proving the domain is owned by the applicant. It is the MINIMUM required for encrypted traffic. This is NOT a full SSL certificate that validates a companies legal existence.

These are serious flags to worry about.

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