BestEgg

1,610 Contributions 59 People Helped Spokesperson Top Contributor

Member Since: December 2015

Most Helpful Contribution

Best Egg

Jun 16, 2016
Helpful to 5 out of 5 people

Thank you for taking the time to reach out and allowing me to respond to your concerns! I apologize you are unsatisfied with the loan terms that you accepted. Prior to accepting and submitting your loan offer you were presented with your Truth In Lending Disclosure Statement that clearly outlined the annual percentage rate, finance charge, amount financed and total payments associated with your loan. In the Truth In Lending Disclosure statement you were also presented with an itemization of amount financed that disclosed the amount of your loan, origination fee and the amount given to you directly. In addition, the amount deposited to you directly, your origination fee and the following statement were clearly presented to you prior to accepting your loan offer on our website: The Origination Fee is based on the percentage of amount borrowed. The Origination Fee will be deducted from your loan proceeds. This fee is fully earned at the time the loan is made and is non-refundable. In order to accept a Best Egg loan offer you were required to click specific checkboxes prior to accepting your loan offer. On our website you are unable to accept and submit a loan offer unless you complete and agree to the following: By clicking the checkboxes below I am telling you that: 1.) I have read The Truth in Lending Disclosure Statement, Loan Agreement, Credit Score Notice, and Verification and Credit Report Notice, and intend this to be my electronic signature on the Loan Agreement. 2.) I have read and agree to the E-Sign Act Consent and I consent to receive all disclosures and other documents from you electronically. In addition, your Loan Agreement details all of the terms of your loan that were accepted and addresses the interest portion of your concerns. See below verbiage taken from your Loan Agreement:
“Interest is calculated on a daily basis, on the unpaid principal balance, at the interest rate, and for the number of days that balance was unpaid. This is a simple interest obligation, and interest is not charged on unpaid interest, except interest is charged on the unpaid origination fee. The Total of Payments and amount of the Finance Charge set forth in the Truth in Lending Disclosure Statement assume that each payment is made on its due date. Late payments will result in more interest; early payments will result in less interest.”
Please feel free to reach out to us at 1-844-825-2608, we would be more than happy to address any questions or concerns regarding your loan. Thank you!

Activity (1610 Total Contributions)

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Best Egg

Jun 16, 2016
Helpful to 5 out of 5 people

Thank you for taking the time to reach out and allowing me to respond to your concerns! I apologize you are unsatisfied with the loan terms that you accepted. Prior to accepting and submitting your loan offer you were presented with your Truth In Lending Disclosure Statement that clearly outlined the annual percentage rate, finance charge, amount financed and total payments associated with your loan. In the Truth In Lending Disclosure statement you were also presented with an itemization of amount financed that disclosed the amount of your loan, origination fee and the amount given to you directly. In addition, the amount deposited to you directly, your origination fee and the following statement were clearly presented to you prior to accepting your loan offer on our website: The Origination Fee is based on the percentage of amount borrowed. The Origination Fee will be deducted from your loan proceeds. This fee is fully earned at the time the loan is made and is non-refundable. In order to accept a Best Egg loan offer you were required to click specific checkboxes prior to accepting your loan offer. On our website you are unable to accept and submit a loan offer unless you complete and agree to the following: By clicking the checkboxes below I am telling you that: 1.) I have read The Truth in Lending Disclosure Statement, Loan Agreement, Credit Score Notice, and Verification and Credit Report Notice, and intend this to be my electronic signature on the Loan Agreement. 2.) I have read and agree to the E-Sign Act Consent and I consent to receive all disclosures and other documents from you electronically. In addition, your Loan Agreement details all of the terms of your loan that were accepted and addresses the interest portion of your concerns. See below verbiage taken from your Loan Agreement:
“Interest is calculated on a daily basis, on the unpaid principal balance, at the interest rate, and for the number of days that balance was unpaid. This is a simple interest obligation, and interest is not charged on unpaid interest, except interest is charged on the unpaid origination fee. The Total of Payments and amount of the Finance Charge set forth in the Truth in Lending Disclosure Statement assume that each payment is made on its due date. Late payments will result in more interest; early payments will result in less interest.”
Please feel free to reach out to us at 1-844-825-2608, we would be more than happy to address any questions or concerns regarding your loan. Thank you!

Best Egg

Oct 24, 2018
Helpful to 2 out of 2 people

We understand your dissatisfaction with delays in seeing your account as paid off on your credit report and take your concerns seriously. Due to feedback like yours, we are planning to increase the frequency of our reporting of paid off accounts.

Best Egg

Nov 23, 2016
Helpful to 2 out of 2 people

Thank you for sharing your experience with us. Please be assured that prior to accepting and submitting your loan offer you were presented with your Truth In Lending Disclosure Statement that clearly outlined the annual percentage rate, finance charge, origination fee, amount financed and total payments associated with your loan. If you have any questions, please contact us directly. Thank you!

Best Egg

Oct 29, 2019
Helpful to 1 out of 1 people

Thank you for sharing your experience. We are forwarding your feedback along, but if there is anything we can do moving forward, please do not hesitate to give us a call at 855-282-6353.

Best Egg

Oct 29, 2019
Helpful to 1 out of 1 people

We are thrilled to hear we made it easy for you! Thanks for sharing!

Best Egg

Oct 27, 2019
Helpful to 1 out of 1 people

We are thrilled to hear you gave us a try! Thanks for sharing!

Best Egg

Oct 21, 2019
Helpful to 1 out of 1 people

We are thrilled to hear we made it easy for you! Thanks for sharing!

Best Egg

Oct 12, 2019
Helpful to 1 out of 1 people

We are thrilled to hear we made it easy for you!

Best Egg

Oct 12, 2019
Helpful to 1 out of 1 people

Simple and quick is what we like to hear! Thanks for sharing!

Best Egg

Oct 11, 2019
Helpful to 1 out of 1 people

We are pleased to hear your experience so far with Best Egg has been a positive one!

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