Report: #1013871

Complaint Review: Ripoff Report | Lenders Cloud Verified TRUSTED Business | Ripoff Report Verified™ …businesses you can trust Lenders Cloud strives to bring our clients the best products available, from business financing to credit card processing. Lenders Cloud partners with your business to not just acquire resources for you but to be the last finance consultant you ever deal with. Lenders Cloud is the premier provider of working capital in the United States.

  • Submitted: Wed, February 13, 2013
  • Updated: Tue, January 31, 2017
  • Reported By: Jean — Park City Utah United States of America
  • Lenders Cloud Verified TRUSTED Business | Ripoff Report Verified™ …businesses you can trust Lenders Cloud strives to bring our clients the best products available, from business financing to credit card processing. Lenders Cloud partners with your business to not just acquire resources for you but to be the last finance consultant you ever deal with. Lenders Cloud is the premier provider of working capital in the United States.

    United States of America

Lenders Cloud Verified TRUSTED Business REVIEW: Lenders Cloud’s executive team and employees are 100% dedicated to finding you the correct finding product for your business. We strive to see your business blossom with the unique products and strategies we have to offer.
*UPDATE: Lenders Cloud pledges commitment to always improving operations by joining Ripoff Report's Corporate Lenders Cloud recognized by Ripoff Report Verified™ as a safe business service.

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Ripoff Report Verified™ REVIEW

EDitor's UPDATE: Positive rating and recognition has been given to Lenders Cloud for its full commitment to quality customer service.

Ripoff Report's discussions with Lenders Cloud have uncovered an ongoing dedication by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any concerns. Lenders Cloud listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

Lenders Cloud 's principal, has informed us that his personal philosophy is that solid relationships are at the heart of the business. As a successful businessman, Eric feels "It is critical to listen to his client’s needs and respond promptly properly." By always putting his customers first, Eric hopes to grow Lenders Cloud to be a power for good and fair pricing in an otherwise unforgiving industry.

One of the things Ripoff Report learned in the course of its review is that typical customer feedback reads, "Lenders Cloud truly communicate all aspects of the service in a timely and effective manner. We are very pleased with the responsiveness that the employees show us. They are serious about meeting commitments, and deliver on their promises."

Lenders Cloud is Ripoff Report Verified
Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..

The information provided in this report below is based on comments made by Eric during an onsite inspection held by a third party verification company with no biases towards Lenders Cloud.

Lender Cloud presents merchants with various options for business financing versus just one offer. They have 25-30 different options for their merchants which set them apart from their competitors. Eric stated the following about his company, "typically when somebody's only giving you one offer that means that they're making the most money off of it. We base our business model more on providing service and long-term, multi-step solutions to merchants. So we're not a big shot, but we do more custom work for customers."

Leads for Lenders Cloud are primarily obtained through cold calling through purchased lists. Eric went on to explain the sales process for his company, "we reach out to them, and see if they need more [or any] financing. If they say yes, we get them out an application and an informational packet. And then a lot of the times they don’t need financing right then and there, but they want to have it on file, so our guys reach out to them... on timed intervals to make sure they’re good. If they do need financing they send in the application and then we put them through our process."


During the on-site interview, Eric was asked to describe a situation where a client was not satisfied with the level of service they received. Eric expressed that they don't receive very many complaints, "it’s a loan. So, there’s no fiddling with it. We are the broker. We collect the sources for them, they pick one, and then we put that paperwork in front of them. One of the good things about being a broker is you have a layer of protection there, in the lender, because the lender wants to make sure that the consumer has all their information, or understands the loan completely before they take it." He additionally stated, "when we’re going through the process: number one we don’t charge up front. So we work for free until we get them funding. Which I’m sure mitigates 99.9% of any complaint that we get."

When asked to comment on complaints posted on Ripoff Report's website Eric expressed that the comments were a personal attack by an anonymous third party, "[the] complaints are all more focused on damaging the ownership versus damaging the company. If you really read into them they’re everything from calling bashers to... child molesters and... everything in between. Making up fake companies that we had no involvement in, like the timeshare exchange or immigration exchange, saying that we were importing illegal aliens and then ripping them off. All these really outlandish things." To further assure future and current clients Lender Cloud undergoes several background checks in our to provide their services.

When asked what type of changes they have made to honor their commitment to making things right with the consumer per the request of Ripoff Report, Eric stated, "we’re more protective of our name and our situation... and really who we deal with, at the end of the day."

Lenders Cloud is proud to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program, "I think for me it gives a level of comfort that we will have monitoring in place, as far as this is concerned. Ripoff Report has very high domain authority and with this giving a positive write up and really... making sure that... we have somebody internally there’s that’s watching. Just in case something like this were to happen again... either to the ownership here or to the company itself. And then being able to deal with that in a private manner is, I think, is worth its weight in gold."


" Lenders Cloud is unlike any funding source available today. We provide a service and product which will leave you feeling as if you made an intelligent decision based on variety vs. a desperate need based loan you have no control over. Without small business our country would be doomed. Lenders cloud wants to empower those small businesses to make smart decisions on the funds they take and the impact it could have on their business.

Lenders Cloud 's account managers and agents have over 100 years of experience in business financing and welcome any challenge. Lenders Cloud takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "Working at Lenders cloud gives me the ultimate in flexibility and freedom to serve my clients in every way possible. I am one of the lucky ones because I love what I do. "

Ripoff Report was pleased to learn that Lenders Cloud 's past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.


Lenders Cloud recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report's review, Lenders Cloud has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.

In summary, after our review, which included discussions with Eric, Ripoff Report is convinced that Lenders Cloud is committed to quality delivery of services resulting in total client satisfaction.

How does a business get Ripoff Report Verified™

The member business allows Ripoff report to email everyone from the past. Those who respond to Ripoff report with a valid complaint must be take care of.. they have made a commitment that if anyone contacts Ripoff Report in the future, they will make things right within 14 days. The member business must err on the side of their customers. Otherwise the member business is off the program.

Ripoff Report has determined that Lenders Cloud meets Ripoff Report Verified™ standards which include a commitment to make a good faith effort to resolve any consumer complaints. Members of the Corporate Advocacy Business Remediation and Customer Satisfaction program do pay a fee for our on-site review, 24-hour monitoring and for support with customers to resolve any disagreements.

Ripoff Report sends a 3rd party service to do an onsite inspection of the new member business. The on-site inspection /review does not mean that the products or services offered by the business have been evaluated or endorsed by Ripoff Report, and has not made a determination as to the business' product quality or competency in performing services. We can verify, that Ripoff Report went to the business, verified their business or “work from home business”, there for, if a customer in the future does not get treated correctly, Ripoff Report can get the problem resolved. If not, and the customers is right, the member business will be taken off the Corporate Advocacy Program. Remember, Ripoff Report emailed every customer from the past that filed a complaint to make sure the member business made things right with customers from the past. Again, to err on the side of their customer, those from the past and those in the future.

Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.

Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. This program works.

As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.



Time Share Exchange DBA: The Villa Group Timeshare upgrade scam, Internet

We believe that we have been scammed, duped, taken advantage of and lied to by Eric &The Villa Group/ Time Share Exchange Enterprises. . As a result we are out $19,100.

While staying at the Villa del Palmar Flamingos in July2012, we attended an update. At the update we met their Sales Manager Eric & Members. We were meeting with him (as compared to just one of the sales staff) because as gold members we had a significant annual maintenance fee commitment. At the meeting, he explained that they were concerned that at some point we would want to stop being members or in the future our heirs would not want to make the payments. The program he proposed addressed the organizations concern about receiving ongoing maintenance fees.

His proposal was twofold. The first part was to upgrade our gold membership and our fixed week unit without points to a Villa Preferred Access membership with points for $18,500. The second part of the proposal addresses why we spent $18,500 to have the same fixed week unit. He said and gave us a document in writing where he would allow us to rent, for the next 3 years, both our 3-bedroom unit for a net amount of $3,400 per week (rental amount less maintenance fee) and a 2-bedroom unit for $2,200 per week. After the initial 3 year period we could rent out one 2-bedroom unit for $2,200 each year, while going back to using our 3-bedroom unit.

Also during this initial 3 year time period, we could use a 2-bedroom unit for a cost of the $798 maintenance fee. He would upgrade this unit to an ocean front or penthouse unit prior to check-in. The 3 years of $3,400 net for the 3-bedroom plus 3 years of the 2-bedroom unit for $2,200 would offset most of the upgrade fee of $18,500. Subsequent to the 3 year period, the annual rental for a 2-bedroom unit at $2,200 would cover ongoing maintenance fees. Of course the rental fees would increase by 23% annually. In addition we paid a $600 fee to Enterprise Travel to facilitate the rental process.

Unfortunately no rental monies were ever paid. But of course we paid on our side. The net result of this process has been to pay a large sum of money to convert a gold fixed week unit we already had access to into the same exact unit with points.

In January 2013 we were at the resort and found out several disappointing things, confirming what had happened to us. It started with our VIP Concierge Debbie Fox now being an Elite Concierge. She initially thought we were elite members since our points exceeded the minimum necessary for this program. At an update we found out that we were not elite members, that the previous sales staff was no longer employed and that we were one of many who had been duped by their sales staff. They said we should be happy we only spent what we did as compared to what some other owners had paid. Naturally, if we paid more money and obtained more points we could be elite members and have access to some of the areas around the pool that we previously had access to.

The bottomline: We assumed because the Sales Manager was an employee that his proposal was credible, good for both parties and that his actions were sanctioned and managed by The Villa Group/Universal Vacation Club.

We have been in touch several times with The Villa Group. They have concluded that, in spite of the gross misrepresentation (our words) and some accountability must be held for both parties involved (his words), that there is nothing wrong here. UVC apparently has no accountability at all.

While we would recommend the Villa del Parlmar Flamingos as a great resort to visit, we would, however, suggest that anyone listening to their spin at an update or sales presentation go in with their eyes open and understand how they operate.

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Updates & Rebuttals


#1 REBUTTAL Owner of company

Villa Group Scam

AUTHOR: Jennifer Williams - ()

I stayed there last year. First impressions were amazing but this soon changed after being hassled for what they said would be 90 mins of our time but was really 3 hours later 4 sales reps trying to talk us in to a timeshare. Rooms were nice but cleanliness wasn't at all. Our bed got changed once and that was the night before we left...very pointless!!! The maid seem to do what was the basic cleaning like changing towels etc and I think our room got swept twice in our stay. I would never stay there again, this is another forum with more people who were scammed by Villa del Palmar: Villa del Palmar

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#2 Consumer Suggestion

Villa Group Scam

AUTHOR: RoseW - (United States of America)

Villa del Palmars Sales Practice has a well recognize reputation for the lies, scams and most likely to misrepresented the contract at the moment of signing. Villa del Palmar sales associate like any other sales person will tell you all the wonders you want to hear to make a purchase, most timeshare presentation last 90 minutes, but at Villa del Palmar you can be up to 4 hrs in there. I'm sorry you fell for this scam, I know a company called Mexican Timeshare Solutions that can give you a totally free consultation on how to get out of that contract, this is their website:

(((link redacted)))

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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