ComplaintsforPriority Plus Financial LLC

• Initial Complaint

  06/25/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I've received numerous letters that are incredibly deceiving. They look as though it's an official government letter with economic relief info. I've tried calling the numbers to stop them from sending me more junk mail and they say they need my Social Security Number to stop receiving this mail I never agreed to received nor did I sign up for.

  

  Business response

  07/02/2024

  Thank you for taking the time to share your concerns regarding our recent mailing practices. We sincerely regret any inconvenience or discomfort our mailings may have caused you. Your experience has prompted us to examine how we communicate with valued clients like yourself.
  
  We never intend to overwhelm or cause frustration with the volume or content of our communications.
  In response to your concerns, we are taking the following actions:
  Reviewing Our Policies: We are currently reviewing our mailing practices to identify where changes are needed to ensure they are both respectful and relevant to our clients.
  Optimization of Communication: We will work on better segmenting our mailing lists and tailoring our content so you receive genuinely beneficial information that is pertinent to your interests and needs.
  Enhanced Control for Clients: We are implementing more straightforward options for our clients to manage their preferences regarding how and how often they wish to hear from us. This way, you can easily adjust the types of communications you receive and their frequency to better suit your preferences.
  Ongoing Training: Our team will undergo further training to ensure our communications are crafted and dispatched with the utmost consideration for our client's preferences and expectations.
  Please allow us to express our sincerest apologies once more. We value your trust and are committed to reinstating your confidence in our practices. To that end, we welcome any further suggestions you may have on how we can serve you better.

  Customer response

  07/02/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *****************************
  
   
  

• Initial Complaint

  06/21/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On 6-20-24 I received an official looking letter in the mail claiming to be from a state program. Upon opening it I discovered it was just an ad for a loan. I find this business practice to be both deceptive and predatory. If I receive another deceptive communication from this company in the future I will file a complaint with the state DA to make sure this predatory company is not allowed to operate in our state.

  

  Business response

  06/24/2024

  Thank you for sharing your concerns with us. We take feedback seriously and continuously strive to improve our communication practices. It's important to clarify that our mailers are designed to provide information about potential financial solutions and preapproval offers based on specific criteria. However, we understand the importance of transparency and want to ensure that recipients fully understand that preapproval does not guarantee final approval. We will consider your feedback as we review and refine our messaging to serve our customers better. 

• Initial Complaint

  05/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I highly suspect this company obtained some financial information I submitted to another company (nationaldebtrelief) as the information their printed on their highly deceptive mailing (e.g. fashioned to look like its an actual check coming from a government agency) just so happens to match closely enough. Extremely dishonest approach that quite frankly I find revolting, especially since theyre attempting to prey on the desperation of those suffering from credit debt.

  

  Business response

  05/14/2024

  We understand your concern and appreciate you bringing this to our attention. 
  
  Our intent is never to take advantage of anyone's financial situation. We aim to offer solutions to help individuals manage their debt responsibly. We want to assure you that we take ethical practices seriously, and your feedback will be reviewed thoroughly to ensure our communications align with our values. 
  
  We have supplied your information to our removal list. 
  (it does take time to process; forgive us if you receive another mail offer in the meantime)
  
  You may also stop receiving "prescreened" credit offers from this and other companies by calling toll-free ************. or
  ***************************
  
  Please note that on the mailer, there is an option to opt out of ALL mailing lists, not just ours, since we get your information from the credit bureaus.
  
  This is printed on the mail offer we sent as well.  
  
  Please don't hesitate to reach out if you have any further concerns or questions.

• Initial Complaint

  04/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a mailing that I was pre-approved for an economic relief loan in the amount of $25,000 with a 5.99% interest rate and payment of $500 per month to be paid off in 5 years. When I contacted the company online, I received a call, text and email back. I had to give sensitive personal information over the phone all to be told a I was not approved for the loan after about 45 minutes on the phone. It is disingenuous to tell a person they are pre-approved for a loan and then decline to provide a loan and waste everyone's time and cause stress. I would like this company to change their marking practices and not tell people they are pre-approved when they are not. I believe they should be required to fulfil the promise made in the mailing.

  

  Business response

  04/25/2024

  We sincerely apologize for the disappointment and frustration you may be feeling regarding the outcome of your loan application. 
  
  We understand that the denial may come as a surprise, especially after receiving pre-approval.
  
  It's important to clarify that pre-approval does not guarantee immediate approval, which is disclosed explicitly in our marketing pieces. 
  
  Pre-approval is based on specific preliminary criteria, but final approval is contingent upon meeting all credit requirements and additional factors determined during the underwriting process.
  
  Additionally, our team member was trying to find alternative options for your financial situation, so the call lasted longer than usual.
  
  While I understand this news may be disheartening, we are here to assist you in any way possible. If you would like further explanation regarding the denial, please don't hesitate to contact us directly. 
  
  We're committed to helping you navigate through this situation and explore alternative avenues.

• Initial Complaint

  04/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  We received a piece of mail that appeared to be an official communication from a government program. However, upon contacting the associated company via telephone, we encountered a representative whose demeanor was unpleasant and uncooperative. Despite our request, this individual refused to provide information via email for our careful examination. Insistently, he demanded our bank routing and account numbers under the guise of processing some form of payment. His explanation regarding the nature of the payment was unclear and dubious; he repeatedly claimed it would facilitate zero-interest debt relief without actually paying off our existing debts. This contradiction raised concerns about the legitimacy of their services. He failed to give specifics when interrogated about the purpose of the payment or the mechanics of the purported "loan" they were offering. Given the lack of transparency and the pressure to disclose sensitive financial information without due diligence, our overall perception of this company is extremely negative. The call had all the hallmarks of a potential scam operation.

  

  Business response

  04/08/2024

  We strive to provide exceptional customer service and clearly missed the **** in your case.
  
  Please know that your feedback has been taken very seriously. We are currently reviewing our training and procedures to ensure this is an isolated incident that won't be repeated. Your experience does not indicate our values or our commitment to customer satisfaction.
  
  We understand apologies can only go so far, but we want to make this right. If you're open to it, we would like the opportunity to rectify our mistake. Whether it's another resolution, we're ready to work with you to find a satisfactory solution.
  Thank you for bringing this to our attention. Conversations like these enable us to grow and improve. If you're willing to discuss this further, please contact us as soon as possible. We value your business and hope to have the chance to restore your faith in our company.

• Initial Complaint

  03/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Since June 21st, 2022, I have been enrolled in the Opt-Out Prescreen System to avoid unsolicited loan offers. Despite this precaution, Priority Plus Financial LLC has persistently violated this preference by sending me postal offers for their loan services, disregarding the protections I have put in place. The most recent one received in March of 2024. Furthermore, the company employs what I consider to be unfair, deceptive, or abusive acts and practices (UDAAP) in their marketing strategies, using emotionally charged phrases such as 'Economic Relief' for 'Affected Families' to exploit consumers' vulnerabilities. This not only causes significant annoyance but also wastes my time as I manage unwanted correspondence in my physical mailbox. I request that the BBB take action to ensure Priority Plus Financial LLC ceases all communication with me, adheres to the OptOut Prescreen system's guidelines, and halts any practices that could be construed as UDAAP violations.

  

  Business response

  03/27/2024

  Please accept our sincerest apologies for any inconvenience or distress caused by our mail solicitation. We understand the importance of maintaining trust and integrity in all our interactions, and it deeply concerns us that we may have fallen short of those standards.
  We recognize the seriousness of the matter and want to assure you that we are taking immediate steps to address and rectify the situation. Our team is conducting a thorough review of our practices to ensure compliance with all relevant regulations and to prevent any recurrence of similar issues in the future.
  Should you have any further questions or concerns, please do not hesitate to contact us directly. Your feedback is invaluable to us as we strive to continuously improve our services.
  Thank you for your understanding and patience as we work to resolve this matter.
  

  Customer response

  03/27/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***************************
  
   
  

• Initial Complaint

  02/21/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I received a mailing saying I was receiving economic relief that looked like a tax form and an official government document from this company. The envelope even included a threat of a fine and jail time. These marketing practices are misleading and disgusting. I want to be removed from this companies future mailings immediately and have them cease these marketing tactics.

  

  Business response

  03/19/2024

  We want to extend our deepest apologies for the disappointment and inconvenience caused by the outcome of your loan application. We understand how important securing financial assistance can be, and we regret that your application did not meet certain criteria necessary for our approval. Please know that this decision was made following careful consideration and adherence to our company's lending policies. We want to make sure you know that it was not our intention to cause you any distress. We genuinely appreciate your trust in us and your interest in our loan services. While we strive to assist as many clients as possible, there are certain factors and requirements that must be met for approval, and unfortunately, your application did not align with these criteria. Also, We'd like to address any miscommunication or dissatisfaction you may have encountered with our customer service team. Providing exceptional service and clear communication is paramount to us, and it deeply concerns us to hear that we may need to catch up in this regard. Please accept our sincerest apologies for any frustration or inconvenience this may have caused you. We are committed to continuously improving our processes and ensuring that all customer interactions are handled with the utmost care and professionalism. We appreciate your feedback, and we assure you that we will take proactive measures to address any issues and prevent similar occurrences in the future. Once again, We're sorry for any disappointment or miscommunication you have experience throughout this process. Your satisfaction and trust are incredibly important to us, and we are here to assist you in any way we can move forward. If you have any further questions, concerns, or would like to discuss your application in more detail, please do not hesitate to contact us. We are here to support you and provide any assistance you may need. Thank you for your understanding and patience.

• Initial Complaint

  11/30/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I think this company is a lie. They filled our mailboxes with their marketing letter saying they would give us a loan, and when we applied, because of the low interest, and small payment, they said they could not approve the loan because we had a lot of things to pay. Of course, we do, and we pay it all, as they can see, and we don't usually pay late, that is why we applied, or they think we don't have any debt, and we just want to have more money on our accounts? That is so stupid. What they should be looking at is if the person pays all her bills, not the amount of bills the person has to pay. If they were looking to help as the letter says, they would approve people who have a lot of bills but manage to pay it all, so we could have at least 3 bills consolidated in one with less interest and smaller monthly payments. That is what they imply in their letter, but this is not what they do, so it is a lie, it is fake marketing, and should be penalized for that. I hope they take me out of their list, and people, don't waste your time with them. Look for a better company that respects you and your time, and that understands more of finance management.

  

  Business response

  12/11/2023

  We appreciate you bringing this issue to our attention, and we are very grateful for the opportunity to respond. 
  Priority Plus Financial offers loans as low as ****% for those who qualify. Many factors are considered before determining the risk and offering a rate based on multiple factors. 
  
  Fico score is only one of the factors. Due to privacy issues, We cannot speak on specifics for this client, but we can tell you that they still need to meet the necessary requirements to qualify for our lowest rate. The offer given to the client based on their situation was very competitive. 

  We apologize for any inconvenience this has caused, Additionally we have adjusted our records and have placed the information
  you provided on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications,please bring the matter to our attention and we will address it promptly. We appreciate your understanding in this matter.

• Initial Complaint

  08/22/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I submitted an application to Priority Plus after receiving a mailing. I was immediately text messaged by a representative named ****, who I was unable to reach when I called the main number on their website. When I finally spoke with her and expressed my concerns about privacy and security, she said they are a BBB-Accredited business and take security seriously. She said I'd have a response within a few hours about my loan request. It has now been over a week and **** has been unresponsive. I want to ensure that this company has not stolen my personal information.

  

  Business response

  08/29/2023

  We appreciate the opportunity to respond to the client's concerns. 
  We take your claim seriously and we apologize for any inconvenience this matter has caused. Upon review of your account, you were indeed in contact with our senior loan specialist; *******************. During that time, ************** has other pressing obligations that needs further attention as she in ******* Olympic Grappling team and was leaving the country that day to represent us for a competition.  Although this doesn't validate the cause for a pending application, **************** reached out to you several time so we can help you continue the process. Please don't hesitate to contact us directly if you have any further questions or would need more assistance. We look forward to working with you.

  Customer response

  09/01/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********.  However, I am not at all satisfied with how Priority Plus Financial handled this process, including the fact that one of the main reasons that upper management contacted me was to try to get me to drop the BBB Complaint so that they did not get any "bad press", as they directly stated.  They then seemed confused when I told them that I would not agree to do that without them responding, as I believe that the process should be seen through to its conclusion.  Ultimately, as long as my personal information is secure, I will accept that the BBB Case be closed at this time.  I just would not recommend anyone do business with this company, as they operate in a very shady manner.

  Thank You,
  ***************************
  
   

  
  

• Initial Complaint

  08/03/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I was looking into debt consolidation, and when I first spoke with the company they seemed very helpful. Nice, polite etc. then when I started to really do some digging and research about the company and asking questions the representative ************************* became rather irritated and frustrated about me asking questions. Then I was transferred to the manager who then was nice enough, but when I called to basically say I actually did not want to go through with the company, I couldnt get ahold of ANYONE. Now Im stuck with something I dont want to go through with and that is a terrible feeling, Ill be making sure my bank is aware to block this company from taking money. This company is not trustworthy. BEWARE.

  

  Business response

  08/12/2023

  Thank you for bringing this to our attention and we apologized for any inconvenience this has caused. We have reviewed the customer's internal file.  Per the client's request, we have cancelled his application.Confirmation was sent to the customer via e-mail the same day. ******************** has helped guide thousands of customers down the path to becoming debt free. If the client would like to reconsider, We're always happy to help.

*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. ↩