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:04/03/2025

  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.

  The loan agent called me and asked me to go to my bank after I filled out a secure link with my banking info which was not secure at all was told etrabfer for credit rating woukd be etrabsfersd infi my account instead it was a fraudulent nsf cheque as I asked my bank the fraud department to explain . Then once I tokd them u ws at bank they Saud stay on the line and once the mkney us deposited go to ur bank and withdraw it mediately then take it to a questionable location in questionable store to wire back to them again was lied to as he said it was to booster my credit rating if I did this . They hacked and stole my banking password ect and I have proof as I recorded the phone calls and screen recorder the entire process of me doing the fake verification process ect... was a total scam will let bank file charges on my behalf as I spoke to fraud department and police .

  Business Response

  Date: 07/03/2025

  Thank you for bringing this matter to our attention. We have thoroughly reviewed our records and can confirm that we have no record of this individual in our system. Based on the details provided, it appears that they may have been targeted by a fraudulent third party impersonating our company.
  
  We take fraud and identity theft very seriously and strongly encourage the consumer to work with their bank and law enforcement to investigate this matter further. If they have any additional details regarding the individuals they interacted with, we would be happy to review any information that could assist in identifying and reporting fraudulent activity.

• Initial Complaint

  Date:26/01/2025

  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.

  I am filing this complaint regarding Skycap Financial's failure to fulfill an agreement made upon the closure of my account. The agreement, signed by both parties, stipulated that the account would be marked as "paid in full." Despite my repeated efforts to address this issue, Skycap Financial has not updated the credit reporting agencies with accurate information, leaving the incorrect narrative on my credit report.This failure has caused significant harm, including:A reduced credit score, which has negatively impacted my financial standing.Increased interest rates on loans and financial products.Denial of credit approvals, limiting my financial opportunities.Substantial time and effort spent attempting to resolve this issue directly with the company.Skycap Financial has failed to respond to my inquiries and take corrective action, leaving me no choice but to escalate the matter. If this issue is not resolved promptly, I will pursue further action, including filing a claim through the ************************* in **************** for injunctive relief and financial damages.I urge Skycap Financial to review the signed agreement and immediately update the credit reporting agencies to reflect the accurate status of the account. I am seeking a resolution to this matter without further delay.Sincerely,***** *******

  Business Response

  Date: 29/01/2025

  Thank you for contacting us.
  
  As confirmed in our correspondence with Mr. ******** SkyCap Financial (SkyCap) fulfilled its obligations by reporting the account as paid with a zero balance to the credit bureaus. This reporting accurately reflects the agreement and is consistent with the terms stipulated at the time of the accounts closure.
  
  Unfortunately, the credit bureaus independently determine how they display the information provided to them by creditors. SkyCap does not have the ability to manually or unilaterally alter how the credit bureaus choose to represent the status of an account.
  
  We understand Mr. ******** concerns and regret any inconvenience he may have experienced. However, SkyCap is not responsible for changes to credit scores or credit bureau displays, as these are determined solely by the credit reporting agencies' algorithms and policies.
  
  To assist Mr. ******* further, we recommend that he contact the credit bureaus directly to discuss any discrepancies or seek clarification regarding their credit reporting practices. Should the credit bureaus require additional confirmation from SkyCap regarding the status of his account, we are prepared to cooperate and provide any necessary documentation to support the accurate reporting of his account as paid in full with a zero balance.
  

  Customer Answer

  Date: 29/01/2025

  Complaint: 22860303

  I am formally rejecting your response for the following reasons: 

  
  First, I find it highly unprofessional that your previous email stated I could contact you for assistance, yet my concerns have not been properly addressed. This contradiction raises serious concerns about the accuracy and reliability of your communications with clients.

  
  Second, after contacting the credit reporting agencies, I was informed that SkyCap has reported the pay status of my account as "In ****************************************** also confirmed that SkyCap reaffirmed this status in December 2024. Additionally, SkyCap has failed to update the last three payments, which still appear as missed.

  
  Furthermore, the signed contract explicitly states that the account and relevant credit agencies would be updated to reflect a "Paid in Full" status with a zero balance. This has not been done. As a consumer, I have no ability to make these adjustments beyond submitting a dispute, which is then verified by the reporting agency with the business. Please clarify how I, as a consumer, am expected to correct this issue when it is SkyCaps responsibility to ensure accurate reporting. Based on the available facts, it appears that SkyCap has not made a genuine effort to correct this matter with the credit agencies.

  
  Given these issues, both my legal counsel and I believe that this constitutes a material breach of contract. As a result, I intend to file a claim with the Civil Resolution Tribunal to seek an injunctive order requiring SkyCap to correct the reporting errors, as well as financial compensation for the damages caused by this misrepresentation. A similar complaint will also be filed with the Financial ************************** 

  
  Please confirm the appropriate party for service of legal documents. If I do not receive a response, I will proceed with serving them to the General Counsel listed in my previous correspondence.
  

  Sincerely,

  ***** Madigan 
  

  cc: K Love 

   

   

  
  
  
  Sincerely,
  
  ***** *******

  Business Response

  Date: 01/02/2025

  We again confirm that SkyCap has fully complied with the terms of the agreement made with you. We have accurately reported your account information to the credit bureaus in accordance with our obligations.
  
  Again, it is important to note that credit bureaus determine how information is displayed on consumer reports, and SkyCap does not have the ability to unilaterally modify or override their reporting methods. If you believe there is a discrepancy, we encourage you to follow the dispute process directly with the credit bureaus, as they are responsible for verifying and updating credit information.
  
  As SkyCap has met its obligations under the agreement, there is nothing further required on our part.

• Initial Complaint

  Date:07/12/2024

  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 applied for an emergency loan through loans Canada. After doing so and being approved for one through a different company, I got a notice that my credit had gone down. I looked and there was a hard credit check from Skycap financial. I didn't speak with anyone at this business and never authorized a hard check. ************ does put your application to several different companies, but Skycap was the only hard check. They never contacted me to confirm that I was ok with them doing that.

  Business Response

  Date: 09/12/2024

  The confirm that the consumer applied for a loan from an affiliated company (Loan ******).  In order to determine whether a consumer may be approved from a loan from SkyCap, they are required to accept the terms for consent as follows (taken directly from their application):  

  "To maximize your chance of finding a service provider, we recommend you authorize our provider network with permission to obtain credit reports from credit reporting agencies to assess your credit history and make approval decisions. By selecting ******** my approval chances matched provider(s) can check your credit report to make complete approval decisions based on your request and you can be funded faster. Otherwise, you agree that your consent is limited only to a soft credit check and you are limiting your approval opportunities. Your consent is valid until you notify the matched provider of your consent withdrawal".

  We confirm the consumer accepted these terms and accordingly a check was done.

   

• Initial Complaint

  Date:20/11/2024

  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 got a loan with Skycap in 2022 and made a repayment schedule for 2 payments per month to come out on the 2nd and 4th Thursday of each month. Instead, the company takes payments out randomly whenever it wants, this includes on Sundays. I have repeatedly contacted them and told them they are overdrawing my bank account as they pull payments between my paydays. They have said they'd fix it and refund me the *** charges I get from my bank. They have not done this every once and instead they have charged me MSF fees and sometimes double the fees.The original loan was for $1000 and even after paying them over $800(which they say I've only paid them like $200-300), they still say I owe them over $1800 due to the *** fees. I've had over $1000 in *** fees over the last 3 years just from my bank due to these charges being put through randomly. I can't even get someone on the phone anymore when I have called them, but they will robo call me at all hours(even got a call after midnight once), I get regular demand emails for funds and have gotten postal mail demands too. I now refuse to pay them because they keep pulling payments that are between paydays and overdrawing my account, costing me my grocery money to cover just the *** fees. I want this loan voided cus they are predatory and will not abide by the contract. I want them to stop contacting me and I want this removed from my credit report too.

  Customer Answer

  Date: 30/11/2024

  Hello,

  I am receiving near daily calls demanding payments to this company but they still will not adhere to the payment schedule we agreed to and I have repeatedly told them to contact me only via mail(or now with the mail strike) via email.

  They are calling me at all hours and have debited money from my account at various days and times and have even taken multiple payments at the same time, which took all of my mother's SAFER payment from our joint account, putting us behind on our rent payment this month.

  I want them stopped and this loan closed at their expense as I've had to endure *** fees EVERY time they have pulled a payment when it was not on a scheduled day.

  Business Response

  Date: 03/12/2024

  Thank you for bringing your concerns to our attention through the Better Business Bureau.
  
  Our records indicate that you entered into a loan agreement with SkyCap Financial (SkyCap) in February 2022. SkyCap has adhered to all terms and conditions outlined in your loan agreement and remains committed to assisting you with your account.
  
  Upon reviewing your account, we note that our team has made several attempts to contact you and offer support in bringing your payments up to date. Unfortunately, multiple NSF (non-sufficient funds) transactions have occurred when processing the scheduled payments, which has contributed to the challenges in maintaining your loan's payment schedule.
  
  We are here to help and can work with you to explore alternative payment arrangements or update your banking information to ensure smoother processing. We encourage you to contact our office at your earliest convenience so we can collaborate on a solution that meets your needs.
  
  Thank you for your attention to this matter, and we look forward to assisting you further.

• Initial Complaint

  Date:14/04/2024

  Type:Service or Repair 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.

  Skycap has failed to take payments out of my account and still reporting to the credit bureau. *** made attempts to contact them with no callback, *** received no communication on why payments stopped nothing. *** paid a ridiculous amount for a stupid mattress that as far as Im concerned can come pick up and take this s*** off my credit report. If you cant take the payments or communicate with a person stop reporting to the credit bureau and ruining a person credit. This has been ongoing for two years

  Business Response

  Date: 07/05/2024

  The Customer signed up for ********************************************** financing of their 3rd party products and servicing since September 2020.  We as the finance company have done everything we are to do according to the terms and conditions of the Customers finance contract. Namely, we have prepaid the fees, taken the contract payments and report those payments to the Customers credit report. 
  
  As with most financing agreements, the contract cannot be cancelled.  The Customer was well advised of this prior to signing.  As such, the only way to close the account is to pay the balance of the finance agreement. 

  Unfortunately due to several missed payments, the Customers account was sent to collections in 2022.  She will have to correspond with them directly in regard to her account.
  

• Initial Complaint

  Date:07/03/2024

  Type:Customer Service 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.

  Trying to set up payment arrangements with this company. Was given an extremely hard time by agent on phone who did not seem to realize that situations occur in life where payments cant be made on time. Was insulting. I was proactive in reaching out to resolve the arrears fully. was told they would not accept ME paying them directly. Payment arrangement was reasonable. This decision being made solely to create hardship for me instead of considering the business and all parties involved. End of the day the purpose is to get the loan up to date so all parties are satisfied.I will not accept this. Should the business not accept what is completely reasonable as far as resolution, I will no longer be a customer of this business. I will stop all payments and this can be resolved a more formal way. In that situation everyone loses. Completely ridiculous I must file a complaint for something like this.I expect a call from a manager to explain why they are taking the position they are.

  Business Response

  Date: 11/03/2024

  Hi Mr. *******, 

  As per the terms of your agreement, you are required to make a payment on the 13th of this month.  We confirm that prior to or on the 13th, you are able to make an online payment directly.  If this is done in a timely fashion, we confirm that their will be no PAD on the same day. 

  Customer Answer

  Date: 11/03/2024

   
  Complaint: 21401036
  
  I am rejecting this response because:this is not what I was told on the phone, and quite an arrogant approach was taken to purposefully cause issue.  I will be dealing with the bigger picture soon.  Thanks for your response, but its clear you are not a company that values its customers, or willing to work with them in a positive manner.
  
  

• Initial Complaint

  Date:03/10/2023

  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.

  Skycap states I owe $34,000 from a loan of $6,000. I have never applied nor received a loan from them. It's now attached to and negatively affecting my credit.They are stating that this is back from when I briefly lived in ************, around 2012-2013.The only thing that comes to mind that might be with Skycap is a credit building program where they give you a tablet and you make payments to build your credit. Although there was never a loan and I it was supposed to have been canceled back then.

  Business Response

  Date: 05/10/2023

  The Customer signed up for ********************************************** financing of their 3rd party products and servicing.  We as the finance company have done everything we are to do according to the terms and conditions of the Customers finance contract. Namely, we have prepaid the fees, taken the contract payments and report those payments to the Customers credit report. 
  
  As with most financing agreements, the contract cannot be cancelled.  The Customer was well advised of this prior to signing.  As such, the only way to close the account is to pay the balance of the finance agreement. 
  
  Further, we have contacted the ***************** providers on their behalf.  We are advised that the service provider confirmed that the Customer was fully and completely informed of the program, and the membership loan (financing) provided by SkyCap, before they signed the agreements and entered the program and the loan. Further, we confirm the Pdfs of the finance agreement was immediately forwarded to the Customer after its execution.
  
  The Customer is free to contact us at anytime to discuss the payment options available.

  Customer Answer

  Date: 05/10/2023

   
  Complaint: 20690846
  
  I am rejecting this response because:
  

  I was not aware that it could not be cancelled. If I remember correctly this was strictly to build credit, there was no loan so how am I to payback a loan I never received.

  Not to mention how ridiculous the debt is, there's no way I am able to afford such a ridiculous number and I refuse to pay any portion of it.

  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:20/04/2023

  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.

  Transaction date February 26,2021
  Amount paid to date $1400.00
  They commit to provide me with a mattress
  The dispute nature is that I did not agree to a credit building loan I agreed to a mattress financing acct but I was blindsided from the beginning and when I asked for the payments to do I was rudely told that the only thing I can do is pay the loan because I already got it, but a mattress doesn’t cost almost $4000.
  They never tried to resolve it only tried to constantly collect funds from my account resulting in my acct being overdrawn with NSF fees. *** **** ******* ** *******

  Business Response

  Date: 16/05/2023

  The Customer signed up for SkyCap
  Financials’ (SkyCap) financing of their 3rd party products and
  servicing since February 2021.  We as the
  finance company have done everything we are to do according to the terms and
  conditions of the Customer’s finance contract. 
  Namely, we have prepaid the fees, taken the contract payments and report
  those payments to the Customer’s credit report. 
  
  As with most financing agreements, the
  contract cannot be cancelled.  The Customer was well advised of this prior
  to signing.  As such, the only way to close the account is to pay the
  balance of the finance agreement. 
  
  Further, we have contacted the Customer’s service
  providers on their behalf.  We are
  advised that the service provider confirmed that the Customer was fully and
  completely informed of the program, and the membership loan (financing) provided
  by SkyCap, before they signed the agreements and entered the program and the
  loan. Further, we confirm the Pdfs of the finance agreement was immediately
  forwarded to the Customer after its execution.
  
  The Customer is free to contact us at
  anytime to discuss the payment options available.

  Customer Answer

  Date: 17/05/2023

  
  
  Complaint: 19959339
  
  
  
  I am rejecting this response because: apart from the contract that I signed, which I take full responsibility for seeing that I did not read that the contract I only signed it, I in No way agreed on the call with Omni Mattress that I willing agreed to pay over $4000 for mattress. I would like to Omni mattress to provide the recorded call if they have it to prove what they are claiming. I never called for or agreed to any credit building account therefore I do not feel that is is fair or that it should even be legal for me to be locked into something I did not intentionally commit to. 
  
  
  
  Sincerely,
  
  
  
  ******** ********

  Business Response

  Date: 17/05/2023

  To reiterate, SkyCap has always been truthful in explaining our part of
  the program the Customer signed up for; namely after approval of a Customer
  submitted application, we prepay the membership fees, take the payments on the
  Customer requested schedule and report all payments to the Customer’s credit
  report. 
  
  As with most financing agreements, the
  contract cannot be cancelled.  
  
  The Customer is free to contact us at
  anytime to discuss the payment options available.

  Customer Answer

  Date: 18/05/2023

  
  
  Complaint: 19959339
  
  
  
  I am rejecting this response because:this is not what I agreed to on the initial call when I requested the mattress and when I first asked about it the agent was really rude and didn’t give me any options other than I have to pay for something didn’t agree to. The sales agents at Omni only want to or are pressured to hit target sales so everything is promised and alot is left out in their efforts. I will gladly pay for the mattress that agreed to pay for BUT I did not call for a credit building loan therefore I should not have to pay for something I never asked for. Also the amount of money that I have already paid is still a lot for only a mattress, no head board or frame just a mattress! 
  
  
  
  Sincerely,
  
  
  
  ******** ********

• Initial Complaint

  Date:15/12/2022

  Type:Service or Repair 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 took a loan for 1500, the purchase was an "o" mattress and was supposed to get an app and an a legal team set up to help me with my debt. come time, they followed through with the mattress and that was it, started taking double payments from my account so i asked them why i was not getting any debt help, all they helped me with was damaging my debt with nsfs. I tried to cancel they wouldn't let me cancel it due to not following their part of the agreement. now somehow they are after me for $15, 000. how does that fair out for me as a customer working to fix my credit. fraudulent company.

  Business Response

  Date: 25/01/2023

  The Customer signed up for SkyCap Financials’ (SkyCap) financing of their 3rd party products and servicing since September 2018.  We as the finance company have done everything we are to do according to the terms and conditions of the Customer’s finance contract. Namely, we have prepaid the fees, taken the contract payments and report those payments to the Customer’s credit report.  
  
  As with most financing agreements, the contract cannot be cancelled.  The Customer was well advised of this prior to signing.  As such, the only way to close the account is to pay the balance of the finance agreement.
  
  Further, we have contacted the Customer’s service providers on their behalf.  We are advised that the service provider confirmed that the Customer was fully and completely informed of the program, and the membership loan (financing) provided by SkyCap, before they signed the agreements and entered the program and the loan. Further, we confirm the Pdfs of the finance agreement was immediately forwarded to the Customer after its execution.
  
  The Customer is free to contact us at anytime to discuss the payment options available.

  Customer Answer

  Date: 27/01/2023

   
  
  Complaint: 18596624
  
  
  
  I am rejecting this response because:

  because I never received any money from them nor did their 3rd party follow through with any of the services provided and is asking for quadruple what the amount was stated, I was told to pay x amount for 3 years with the promise of legal counsel an app that tracks my credit score and helps with budgeting, they did not adhere to the contract and before 30 days was into I called the third party (which no I was not informed I could not cancel, but they violated the contract first) 1200 does not equal 16,000 in debt. 
  
  
  
  Sincerely,
  
  ****** ********
  
  

  Business Response

  Date: 02/02/2023

  SkyCap’s contract solely governed the purchase financing of the loan, of
  which the Customer had the option to pay out the balance at anytime without
  penalty if they choose to not stay for the full term.  At this point, the contract cannot be
  cancelled; the only way to close the account is to pay the balance of that
  finance agreement. 
  
  We urged the Customer to contact our
  offices and make payment arrangements on their account.  Tell us why here...

  Customer Answer

  Date: 03/02/2023

   
  
  Complaint: 18596624
  
  
  
  I am rejecting this response because: the answer does not rectify nor acknowledge the actual question. 
  
  
  
  Sincerely,
  
  ****** ********
  

• Initial Complaint

  Date:10/07/2022

  Type:Customer Service 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.

  Skycap financial never gave me any money .. i did not recieve any services from them .. i called multiple times .. no one to help .. and yet i have a 8000$ bill … this if fraud

  Business Response

  Date: 09/08/2022

  The Customer signed up for SkyCap
  Financials’ (SkyCap) financing of their 3rd party products and
  servicing since July 2018.  We as the
  finance company have done everything we are to do according to the terms and
  conditions of the Customer’s finance contract.  Namely, we have prepaid the fees, taken the contract payments and report
  those payments to the Customer’s credit report. 
  
  As with most financing agreements, the
  contract cannot be cancelled.  The Customer was well advised of this prior
  to signing.  As such, the only way to close the account is to pay the
  balance of the finance agreement. 
  
  In addition, we have contacted the
  Customer’s service providers on their behalf.  We are advised that the service provider confirmed that the Customer was
  fully and completely informed of the program, and the membership loan
  (financing) provided by SkyCap, before they signed the agreements and entered
  the program and the loan. Further, we confirm the Pdfs of the finance agreement
  was immediately forwarded to the Customer after its execution.
  
  To aid the Customer, we are willing to
  assist them with their payments and are able to waive some of the NSF fees received
  on their account with us.  The Customer
  is free to call our office and discuss how we can assist.