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:04/29/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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 has an app that is a cash advance app with tier increases based on on-time repayments. I worked my way up to their highest tier ($250) and have consistently paid them on time with not ever missing a payment (they can confirm). Their app experience some sort of issue or hack that effected users. My account was affected so when I reached out they informed me to make and new account but assured me my limit would be reset. Today is 4/29/2025 this first occurred on 4/8/2025. I have email threads of me reaching out to their customer service and them assuring me they will reset my limit and I haven't received any update. The issue is their app wasn't hacked enough for them not to take the money out of my account but when I needed to request as I usually do, all of a sudden there was a hack. This affected my ability to pay my light bill and almost ended with me getting my lights shut off. Now I am in a hole and simply want them to reset my account limit back to what it was so I can get my $250 back.

  

  Business Response

  Date: 05/01/2025

  Hello Mr. ****************** you for reaching out and for your continued trust in us. We sincerely apologize for the frustration caused by the recent app issue and the delay in restoring your advance limit. Youre absolutely right based on your strong repayment history, your account should be reset to the $250 tier as previously confirmed.
  To move forward with the reset, we first need to resolve the past due $50 advance currently on your account. Once that payment is completed, our team will manually adjust your limit back to $250 within 24 hours.
  We understand how important access to these funds is, especially when it impacts essential needs like utility payments. Please rest assured were committed to resolving this promptly and appreciate your patience as we finalize this process.

  All the best, 
  The Blinc Team

  Customer Answer

  Date: 05/01/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:04/02/2025

  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.

  I am not accountable for the debt associated with BLINCLOANS. There is no contract between me and BLINCLOANS, and they have not provided the original agreement as requested.

  

  Business Response

  Date: 04/02/2025

  H,

  BlincLoans no longer has the authority to make any changes to Mr. ************ account, as his loan was sold to *********************************** in July 2024. Prior to this transfer, BlincLoans made multiple attempts over a 15-month period to assist Mr. **************** in resolving his outstanding balance, including offering various payment options and extending a special loan restructuring offers throughout 2023.
  
  Since this account is now owned by ***********************************, BlincLoans **** no longer has the authority to collect on or manage this account. Mr. ********** may contact *********************************** directly for further assistance. Below is their contact information:
  
  Cascade *********************** LLC
  ******************************************
  *****************
  Main: ************
  
  To expedite resolution, we recommend that Mr. ********** provide his account details when contacting ************************************

  Best Regards,
  The Blinc Team

  
  

• Initial Complaint

  Date:04/01/2025

  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.

  **Complaint Statement:**I am disputing an invalid account reported by ***************************** Name]** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

  

  Business Response

  Date: 04/02/2025

  BlincLoans no longer has the authority to make any changes to Ms. ******** account, as her loan was sold to *********************************

  Ms. Hunters history with BlincLoans began in October 2021, when she applied for and received her first loan with us. During this application process, she provided a valid Texas drivers license, a copy of her most recent pay stub, a picture of her allotment confirmation, connected her **** payroll profile, and linked her checking account via Plaid. All of this information was used to verify her identity and income to qualify for a OneBlinc loan.

  In addition to the loan received in October 2021, Ms. ****** refinanced her loan with us four more times. With each refinance, additional documentation was requested by OneBlinc and provided by Ms. ******* Throughout this period, she consistently connected her bank account and added **** debit cards to receive loan deposits instantly.

  Since this account is now owned by ********************************, BlincLoans **** no longer has the authority to collect on or manage this account. Ms. ****** may contact *************************************;directly for further assistance. Below is their contact information:
  
  ********************************
  **************
  P.O. Box 5199
  *******************-5199
  **********************************************************
  *************************
  
  To expedite resolution, we recommend that Ms. ****** provide her account details when contacting *********************************
  
  

  
  

• Initial Complaint

  Date:03/27/2025

  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.

  I have contacted OneBlinc on several occassions i brought a house went to settlement on 1/22/25 my title company paid them off and overpaid them plus they took allotment money out of paycheck when i stop payment they had already received full amount from the check title company sent to them therefore they owe me overpayment plus allotment taken from me total amout of $450.53 which i want given to me

  

  Business Response

  Date: 03/31/2025

  Hi Ms. ***************** a second review of your account, we have confirmed that there was no overpayment on your loan.

  
  We received a lump sum payment of $2,831.39 on January 29, 2025, which was credited to your loan balance. At the time of this payment, your outstanding balance was $2,676.00. After applying the lump sum, a remaining balance of $158.91 was left on the account. This balance was later satisfied with your allotment payment of $159, which completed the full payoff of your loan.

  
  To provide full transparency, we will be sending your detailed payment history, including your loan balance transactions, to your registered email address (@*********). Please keep an eye out for that email.

  
  If you have any further questions or concerns, feel free to reach out.

  
  Best regards,

  
  

  Customer Answer

  Date: 03/31/2025

   
  Complaint: 23127192
  
  I am rejecting this response because: This is unacceptable and untrue the check sent overed remaining loan and last payment via allotment was taken was overpayment pretty much talking me like i dont have common sense
  
  Sincerely,
  
  ******** ********

  

  Business Response

  Date: 03/31/2025

  Hi Ms. ************** understand your concerns and appreciate the opportunity to clarify further.

  
  Our records confirm that your loan was fully paid off through two payments:
  A lump sum payment of $2,831.39 received on January 29, 2025, which was applied to your loan balance of $2,676.00, leaving a remaining balance of $158.91.

  
  An allotment payment of $159, which satisfied this remaining balance and completed the full payoff of your loan.

  
  Since these payments were applied accordingly, no overpayment remains on your account. However, for full transparency, we have sent your detailed payment history to your registered email (@*********) so you can review the transactions.

  
  If you have any further questions after reviewing the payment history, we are happy to assist.

• Initial Complaint

  Date:03/21/2025

  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.

  OneBlinc ***** for their misleading and deceptive business practices. They advertise that they provide cash advances based on income, yet their approval criteria appears deliberately designed to deny applicants while maintaining just enough approvals to appear legitimate.I have been attempting to use them for over a year, applying multiple times a month, & have been denied every single timealways receiving the same vague, scripted response about "cash flow" and "debt-to-income ratio." This is despite meeting their stated requirement of having an income over $1,500 per month.Several months, my income was over $3,300/month, yet I was still denied with the same generic excuse about "cash flow." Most recently, I was told that in order to qualify, I needed to have at least $1,500 in my account the day I apply. This requirement is completely illogicalif someone had that much money available, they wouldnt need an advance in the first place. This directly contradicts the purpose of their service and strongly suggests their system is designed to reject applicants.If someone does somehow get approved, they charge a subscription fee just to use the service. This means their entire business model is designed to either:1. Deny most applicants, wasting their time and misleading them about their eligibility.2. Trap the few who do get approved into paying a recurring fee, ensuring the company profits whether or not customers actually benefit.When I asked about this, they refused to provide a real explanation, instead responding with robotic replies like "reapply in 30 days" or "our system has a UNIQUE process." Their refusal to provide transparent criteria upfront wastes consumers time and misleads people into thinking they have a chance of receiving financial assistance when they do not.This company appears to be operating in bad faith, skating by on just enough approvals to maintain legitimacy while exploiting desperate consumers looking for financial help.

  

  Business Response

  Date: 04/02/2025

  Dear ******* *******,

  We appreciate you taking the time to share your feedback and understand how frustrating it must be to experience repeated denials when applying for the BlincAdvance salary advance product. We sincerely regret that the process has not met your expectations.

  Our approval criteria are designed to ensure responsible lending practices, and while we strive to assist as many applicants as possible, we must adhere to specific requirements to assess eligibility. These criteria, including factors such as cash flow and debt-to-income ratio, are standard within the industry and are in place to evaluate financial stability and repayment capability. Meeting the minimum income requirement alone does not guarantee approval, as our system takes multiple financial factors into account.

  We understand that this may be disappointing, but our goal is to provide a sustainable and responsible financial solution. As one of many salary advance providers in the market, our eligibility requirements are not significantly different from those of other companies offering similar services. While we would love to approve all applicants, we must maintain these standards to ensure the financial well-being of our customers and the integrity of our service.

  
  We appreciate your interest in OneBlinc and value your feedback

  All the best, 
  The Blinc Team

  Customer Answer

  Date: 04/06/2025

   
  Complaint: 23097045
  
  I am rejecting this response because:

  It only confirms my initial concerns. OneBlinc claims to be a financial lifeline, yet the reality is the system is designed to routinely deny applicants, regardless of strong income or financial stability. I applied multiple times over the course of a year with a monthly income over $3,300, yet I received the same generic, unhelpful denials every single time.

  You cite cash flow and debt-to-income ratio as reasons for denial, but that was not the case in my situation. I was denied strictly because of my income source and the bank I use, even though I met your advertised minimum requirements. To suggest otherwise in your response is dishonest and evasive.

  Telling applicants they need $1,500 in their account after payday completely contradicts the purpose of an advance. Thats not responsible lendingthats creating an approval system designed to exclude the very people who would benefit from your service.

  You also compare yourselves to other companies in the industry, but *** been approved numerous times by several of your competitors without issueproving that the problem isnt my qualifications, its your system. Many of those companies are far more transparent, do not charge hidden subscription fees, and actually follow through on what they advertise.

  If OneBlinc truly wants to maintain the integrity of its service, then start with transparency, clear eligibility criteria, and honesty about who you actually serve. Because right now, this looks less like a responsible service and more like a company skating by regulations while preying on financially vulnerable individuals.
  

  

  Business Response

  Date: 04/08/2025

  Hi *** *******, 

  Thank you for your feedback. We understand that applying for financial services can be frustrating, especially when the outcome is not as expected.

  While we do not comment on individual applications through this platform, we can confirm that our approval decisions are based on a number of factors includingbut not limited toincome, cash flow patterns, employment consistency, and bank activity. These criteria are in place to ensure responsible and sustainable lending practices.

  We continuously review our processes to better serve customers while maintaining compliance with regulatory standards and risk management policies. Our goal is to provide a helpful and transparent service, and we encourage users to explore financial tools that best align with their needs.

  We appreciate you taking the time to share your experience.

  Best regards,

• Initial Complaint

  Date:03/18/2025

  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 writing to formally dispute another fraudulent account listed on my credit report. As a victim of identity theft, I have discovered the following account, which does not belong to me:Creditor Name: BLINCLOANS Opened Date: 11/1/2023 Account Number: 79****This account was opened without my consent, and I request that an immediate investigation be conducted to remove this fraudulent account from my credit report. I am entitled to have this erroneous information corrected under the Fair Credit Reporting Act (FCRA), and I expect this matter to be resolved quickly.Please notify me once the investigation is complete and the fraudulent account has been removed.

  

  Business Response

  Date: 03/18/2025

  BlincLoans no longer has the authority to make any changes to Ms. ******** account, as her loan was sold to *********************************** in December of 2024. Prior to this transfer, BlincLoans made multiple attempts over a 10-month period to assist Ms. ****** in resolving her outstanding balance. In all that time Ms. ****** made 1 manual payment on 06/06/2024 of $97 and then proceeded to remaining past due. In her history with BlincLoans Ms. ****** refinanced her loan 5x and each time documents were requested that could only be obtainable via her employers payroll system. In addition, she connected her bank accounts (Navy Federal and ****** multiple times as an additional layer of verification and security. For these reasons we do not find any indication of identify fraud or possibility of fraudulent activity with ********************* account. 
  
  Since this account is now owned by ***********************************, BlincLoans **** no longer has the authority to collect on or manage this account. Ms. ****** may contact *********************************** directly for further assistance. Below is their contact information:
  
  Cascade *********************** LLC
  ******************************************
  *****************
  Main: ************
  
  To expedite resolution, we recommend that Ms. ****** provide her account details when contacting Cascade *********************** LLC.
  
  BlincLoans **** remains committed to ensuring fair and transparent interactions with our customers. If there are additional questions or concerns regarding this matter, we are happy to assist further within our capacity.
  
  

• Initial Complaint

  Date:12/15/2024

  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.

  One Blinc continues to contact me by mail and phone calls about a fraudulent account from ********************** account number ******. I have filed a *** report for identity theft. I want this fraudulent account deleted from my credit reports immediately. This is NOT a request for "verification" or proof of mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 (b) of the ****** I respectfully request that your offices provide me VERIFIABLE PROOF WITH MY SIGNATURE with competent evidence that I have any legal obligation to pay you. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the *** and other state and federal agencies. I want this fraudulent account deleted from my credit reports immediately. I have attached my *** report.

  

  Business Response

  Date: 12/17/2024

  Dear ******** ******,

  We are writing in response to the Better Business Bureau (BBB) complaint regarding the account in question. We appreciate you bringing this matter to our attention and take allegations of identity theft very seriously.

  Upon reviewing your file, we have noted that your loan journey with OneBlinc began on September 21, 2021, with an initial loan of $1,000. At the time of your application, you provided several supporting documents, including:
  A valid Louisiana Drivers License (LA DL)
  Allotment confirmation
  Your most recent pay statement (PS)

  Additionally, you securely connected your financial accounts via Plaid, including ************** and Chime. Over the course of your relationship with OneBlinc, you successfully refinanced four loans and made over 70 full allotment payments.

  Given the detailed documentation and payment history associated with this account, we have found no indication that this account was opened fraudulently. That said, we understand your concern and remain committed to assisting you in addressing your claims of identity theft.

  We want to assure you that OneBlinc operates with transparency and integrity. We are committed to resolving this matter promptly and in compliance with all applicable regulations.
  Should you have any questions or require further assistance, please feel free to contact us via email at *************************************************************. 

  All the best, 
  OneBlinc

  Customer Answer

  Date: 12/17/2024

   
  Complaint: 22689304
  
  I am rejecting this response because: I have provided documentation to the company. 
  
  Sincerely,
  
  ******** ******

  

  Business Response

  Date: 12/18/2024

  The documentation you provided indicates a date of December 2024, while your account with us has been active since September 2021. Based on our records, there is no evidence suggesting that your account was fraudulently opened. Additionally, we have not received any notifications of fraud claims associated with your account over the past three years of account and payment history. Furthermore, our records include phone conversations as recent as October 2024, during which customer verification was successfully conducted.
  However, it is important to note that, as of December 2024, your account reflects a past due balance. To avoid any negative impact on your credit history, we recommend bringing your account current promptly.

  Best,

• Initial Complaint

  Date:12/07/2024

  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 writing to dispute the ************* account that appears on my credit report. I have no relationship with this creditor, and I did not apply for or open any loan with them. The account was fraudulently opened under my name, and I am a victim of identity theft.Creditor Name: BLINCLOANS LLC Opened Date: 9/28/2022 Account Number: ****** Higher Credit: $3,500.00 This is the second round of my dispute regarding this matter. I respectfully request that you investigate the situation and remove this fraudulent account from my credit history as soon as possible.Thank you for your prompt attention to this issue.

  

  Business Response

  Date: 12/09/2024

  Dear **** *** ******,

  Thank you for reaching out to us regarding your concern about the BlincLoans LLC account appearing on your credit report. We understand the seriousness of your claim and appreciate your patience as we thoroughly reviewed your account history.
  Our records indicate that your relationship with BlincLoans LLC began on December 17, 2021, when you applied for a loan of $2,000. As part of the application process, we verified key documentation, including your bank account, Maryland Driver's License, allotment confirmation, and payroll information connected to the **********************
  Over time, you successfully made eight on-time payments on your original loan. Following this, you refinanced the loan multiple times to increase your credit limit. These refinances occurred three times before payment delays led us to work with you to restructure the past-due amount. This restructuring was done in good faith to support you in managing the account and maintaining positive credit reporting.
  We also have records of prior communications with you regarding the terms of this restructuring. Based on the documentation and history we have, we cannot validate your claim that this account was fraudulently opened. The information on your credit report reflects an accurate account history.
  In compliance with the Fair Credit Reporting Act (FCRA), we are unable to remove the payment history from your credit report, as doing so would violate federal regulations.

  Best,
  OneBlinc

• Initial Complaint

  Date:11/29/2024

  Type:Product Issues
  Status:

  ResolvedMore 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.

  Since 2021, I have been a customer of ******************** and had an installment loan. My online OneBlinc account indicates that as an exclusive member, I have the option to postpone a payment; a benefit that can be used twice a year. The online instructions indicate that the **** payment request must be requested 3 days in advance of the payment due and submitted to my account manager, ****** ******** who would assist me with the process.On October 14, 2024, I submitted an email request to OneBlinc with a request to **** one allotment payment for October 25, 2024, and my payroll stopped the allotment for this date. On October 15, 2024, Joherm ******* acknowledged receipt of the request and indicated that the request would be escalated to the assigned team. Again, on November 5, 2024, I contacted OneBlinc regarding the status of my **** payment request. Joherm ******* informed me that he took the necessary steps to forward the request to the appropriate team and has not received a response but will personally follow up with the appropriate team. On November 6, 2024, ****** ******** sent me an email to indicate that the normal process for a **** payment request is to receive the customers allotment and then issue a refund to the customer within 1-3 days. Unfortunately, I was not aware of this process and it is not stated on the dashboard of my online account. ****** ******** indicated that she sent a request to the finance team to manually change the information so that my account is no longer showing past due. The finance team indicated that it would take approximately three days. On November 20, 21, and 22, I contacted ****** ******** again by email regarding the status. As of today November 29, 2024, I have not received a response and my account is still showing past due for the amount of $139. In closing, I usually get outstanding service from OneBlinc, and having to resort to filing a complaint to resolve this matter and get a response is very disappointing.

  

  Business Response

  Date: 12/02/2024

  Hi ********,

  Thank you for bringing this to our attention ********. 

  We want to assure you that you were not reported as late to the credit bureaus and this mistake will not affect your credit. 
  As of today we have corrected this on our end and your Oneblinc dashboard should be showing that you are 0 days past due. Please allow a few hours for this to update on your end and let us know if you see anything different.

  Sorry for the inconvenience ******** and once more thank you for bringing this to our attention and for your years of loyalty. 

  All the best, 
  The Blinc Team

  Customer Answer

  Date: 12/02/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******** *********

• Initial Complaint

  Date:11/21/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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 will be my second complaint. Originally they posted 30 day lates on my credit report for August 2024. They have removed those lates and put them in July of 2024. I should have no lates on this account this was paid in full in June 2024

  

  Business Response

  Date: 11/21/2024

  Hi ****, 

  We have received your credit disputes and have responded to them all. We apologize for this inconvenience but assure you that we have replied to all disputes with your account never being past due and closed in "current" status with 0 days past due. We also see that you filed another credit dispute on 11/18/2024 through ******* that has been replied the same way, with current status and closed account in June. 

  
  Some of these disputes can take up to 45 to update fully on the credit bureaus database so we suggest to give it a bit longer to reflect accurately on your account. 

  Again, we apologize for this inconvenience and hope to resolve this matter urgently. 

  Best,

  Customer Answer

  Date: 11/21/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** ********