Frederick Flook - Prudential Financial - Hollister (CA)

Its Gem You’re better off putting it on your credit card or using CareCredit! I would NOT recommend Scratchpay! I applied for a scratchpay loan at the Vets office and I thought I would like the concept of getting a quick loan but DONT DO IT. I would not recommend even out of desperation for saving your pets life or trusting the vets recommendation of using it. They charged me fees and never notified me of the additional fees and they dont send statements! Cons: -The company/lender has extremely high rates—higher than a credit card or personal loan from your bank/credit union. -They do not have any self-serve options to edit/update your contact info online (address, email, phone). -I have to call them or email them whenever I need anything including my statements! (Violation of Reg Z in the TILA, would recommend all to file a company with the CFPB and FTC) -Whenever I emailed them about not seeing my payments online and being sure it was a technical issue, Ethel never wanted to escalate it or help. -Almost every concern or question i have had, there is nothing that can be done about it. It seems this company and its digital platforms were just thrown open without consideration of the user’s/applicants. Customer service and the online platform are extremely and unhelpfully limited. Changes to my profile such as removing, editing or hiding information cannot be done online. There are no log in options and users are forced to not only use their phone number to log into their account but send google their information/phone number (read the fine print at log in). There are NO options to NOT share that phone number with google. Of course like all companies say “we value your privacy” but it is evidently not true with this one. In addition to not being able to control my own profile, this loan CANNOT BE USED AT DIFFERENT FACILITIES. Which means if you go to your primary vet and they start treating your pet and then they recommend you to switch to an emergency care clinic- you cannot use the same scratchpay loan. You will have to take out another loan. Aside from all the limitations, they don’t even give a proper statement! There’s no option online to see each charge. So if you go to the facility 3 different days and get 3 different charges you will NOT SEE 3 different amounts charged and by whom- you will only see 1 lump some. Make sure to get receipts from vet otherwise you’re SOL.

The Mess Ender I’ve been with Wells Fargo since 1974 when my mother put me on her acct. my family has had a trust and I’ve recently lost my Mom, my rock. Mitch is my advisor and I am disappointed in Wellsfargo’s internal issue with helping me cover my checking acct with my brokerage dividends. Mitch out my Mom into a brokerage acct situation that did not pay her the dividends she previously has and Mitch decide to just give her money from the principal to make up the difference she lost from moving her tax free bonds to a mutual situation. My Mom trusted Mitch and so I had to too. And now she’s gone and Mitch laughed at me when I brought this all up and did not help me with my checking acct or brokerage acct. I took care of my Mom until the end in our home that’s also in the trust and has a reverse mortgage with WellsFargo too. It’s a mess. There’s no protection. Mitch did not contact me at all while the account was helping keep our inhome nursing going. Mitch did not know his customer at all. Nor did he work to protect me the eventual recieved of my Papas gifts. I do wish to grow our trust money and yet need to survive at this point the taxes are due. Not happy in colusa ca

Sarina Gregoire Even though I only exchanged about $5 worth of currency for a coin collection, I was very impressed with the experience. The gentleman working here was very helpful and friendly. Despite it being such a small transaction, he still took the time to hand-write on the receipt which totals corresponded to which bills and coins. The exchange rate was within 0.3% of the rates I found online.

Aida Valdez Please contact me regarding my 2020 taxes. I have left messages with your staff and need a response.