Consumer complaint received 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FundFlare LLC
State: IL

Complaint narrative:
Fundflare solicited me over the internet to provide 0 % XXXX XXXX. ( XXXX XXXX ). Their 'pitch ' was they they had relationships with all the major business credit card companies and that these special relationships would guarantee XXXX  XXXX  as long as my credit scores were minimum XXXX. They required I have high credit scores ( my FICO scores at time of transaction were XXXX, XXXX and XXXX with no inquiries and no negatives ) and in exchange they 'guaranteed " they would by using their special relationships, provide ' a minimum of {$120000.00} in 0 % XXXX XXXX The fee for 5 years worth of funding was {$8300.00} which I sent them by credit card. While prior to the sale, communication with the company was by phone ( aggressively solicited ) but after the company received my money I had one phone call with 'funding manager ' XXXX XXXX who I discovered was new to the business and did not have much experience. After this initial phone call, all further communication was through an online app called XXXX. After 2 successful applications, next application for business funding was denied. Then came a series of additional business credit denials. When I stated my concern over the multiple inquiries, XXXX XXXX stated he was not concerned and the inquiries then on my file would not be a problem. Then the clerical person who were actually doing the work of completing my applications mistakenly applied for personal rather than business credit. The result was an unnecessary and additional credit inquiry. Then I obtained yet another failed business application to XXXX XXXX. XXXX XXXX software failed and was unable to verify my identity. I repeated this process 3 different times and each time the software failed to work properly. I ended up submitting a pdf file of my drivers license with picture ( the same information the software could not verify electronically ) yet the application was terminated. To the point, neither Fundflare nor its relationship manager at XXXX XXXX were able to get past this issue. I sent a written communicaton to XXXX XXXX expressing my displeasure over Fundflare not being able to use its 'so called ' influence to correct this problem. XXXX had no response. At this point I checked my credit profile and discovered that through this process to date, there were 5 additional recent credit inquiries on my file... the very issue I expressed concern about to XXXX XXXX but that he replied that was not a problem. In fact the rejection letter I received from XXXX  XXXX XXXX specifically stated that 'recent inquiries ' were one of the reasons for denial. To the point, a company who supposedly specializes and guaranteed results should have understood the issue caused by too many inquiries and either was incompetent or did not care or knew it would be a problem but had my money so did not concern itself about its lack of performance. At this point I communicated to XXXX XXXX that by virtue of the errors and mistakes and lack of performance as guaranteed, I had no confidence is his recommendations or Fundflare as a company. I demanded a full refund. He initially ignored my demand. I then threatened to file complaints and also file a lawsuit. At this point he ignored my demand for refund and instead just sent me a message stating he would conduct a review. I sent written demand for refund to XXXX XXXX XXXX that was similarly ignored. This brings me to this complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief