A huge disappointment
This is my second time using Future Family for a fertility loan. The first time around went smoothly and I had no complaints or issues. This time has been a huge disappointment. I was approved easily, but from there, everything went downhill. After approval, I was emailed a set of instructions to have my funds disbursed to my fertility clinic. I was also advised to use a specific specialty pharmacy to obtain my medications and told that a portion of my loan would be allocated for those. I followed the instructions to the letter but it wasn’t until 3 weeks and multiple phone calls/emails later that I finally had my funds disbursed. I had to ask my fertility clinic to pause payments because the expected funds were so delayed. Every time I called future family they gave me excuses and runarounds, offering little help and instead asking me to be the middleman to ensure my funds were disbursed even though I had already done everything I could do on my end. It added tons of stress to an already stressful situation. My fertility clinic assured me they were requesting the funds but had still not received them. Weeks later, after having to be very pushy, future family finally told me that an email had ”not gone through” that I needed to sign to approve a release of funds. I had never been told that I needed to sign anything else so I didn’t even know to look for the email that wasn’t sent. They resent it and once I signed it, my funds were disbursed 5 days later. But when I called to order my medications, the specialty pharmacy stated they had received no funds for my medications. After calling future family yet again, they refused to admit they made a mistake and did not send the appropriate funds to the specialty pharmacy they requested I use. They also told me that because the funds were already disbursed to my clinic, there was nothing more they could do. Oh, except they did tell me I could take out another loan with them! Ha! So now, I have to pay out of pocket upfront for my medications, which I cannot afford right now (that’s why I got a loan in the first place). I am beyond frustrated with future family and I will never go through them for a loan again. Instead of making my fertility journey easier, they have added nothing but confusion, stress and a feeling of helplessness to my experience. Please save yourself a lot of headache and get a regular personal loan so you have control over your own funds.