ComplaintsforNeighborhood Assistance Corporation of America

• Initial Complaint

  08/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  NACA making clients run in circles for their own benefits,I have been with NACA for over 3yrs and have yet to be helped in my benefit, Since NACA is a ********************** I believe that they really aren't in the help home finder business,They seem to be just for looks and not closing on Houses,I am very disappointed in there services,I have yet to know of anyone closing on a house,I understand the proper ways of going through house purchase but it seems to me in hat they will find any little thing to try to disqualify you from getting a house, I was hoping that it wasn't about my Color or Gender but it's looking more And more that it's the problem not getting any help with closing on a house.

  

  Business response

  08/20/2024

  NACA is a HUD CERTIFIED AGENCY
  
  The Fair Housing Act prohibited discrimination concerning the sale,rental and financing of housing based on race, religion, national origin or ***.
  
  NACA has no consideration of the credit score. The program is character -based underwriting. NACA determines an affordable mortgage payment based on the members rental payment and documented savings if requesting a mortgage payment greater than their current rent. We look at on- time payment history over the past 24 months.The focus of Payment History is to determine if a member has a history of paying bills on time regardless of the amount of debt. A review of the payment history is a key factor in determining if a member is ready for homeownership.
  As it relates to ************** unawareness of anyone closing on a home. We post daily closings & our NACA Qualifications at our Achieve the Dream Events. Additionally,please review . https//: nacatestimonials.com.  This link will provide closings/race/sex for members from all offices we services.
  We hope that ************** will continue the process after reviewing this information & continue the process to Americas Best Mortgage. However,we understand if ************** decides a different path we wish the best on his path to homeownership.
  why here...

• Initial Complaint

  08/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Alabama mortgage asssistance had agreed to pay my mortgage to Amernat in 2019. I applied again and they paid ***** financial for my mortgage but in both cases they got behind in payments and in both cases the mortgage companys reported it on my credit. I need both removed from all three credit bureaus.

  

  Business response

  09/04/2024

  Hello, we do apologize as we are aware of the complaint & the response did not push through. 
  NACA has no records of ********************** in our system.  Neither is NACA a credit reporting agency......we do not consider the member's credit score.   However,if ********************** needs mortgage assistance we have our Home save Department that she may contact directly at ************.

• Initial Complaint

  08/12/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I registered with NACAs home buying program January 4th, 2024. I paid for a membership with NACA February 9th, 2024 (you have to pay annually). I set up a scheduled meeting with my NACA counselor February 12th, 2024 @2PM Central time (both parties have a recording of this meeting). I informed my NACA counselor that I am ready to purchase my property AS SOON AS POSSIBLE. NACA promises ****************** that they will guarantee pay for down payment & closing costs. (NACA received $3 Billion dollars from Bank of America to fund this program, as well NationalBank CEO $500 million, etc..). My NACA counselor informed me since I am wanting units, I need to have reserves set aside. I informed her I will have the reserve ready BEFORE THE SUMMER 2024. The entire month of March, I collected all the reserves I need to buy my property. I completed all of the task NACA required, except for anything with social media, because I do not have social media at all. I completed my certification of Fundamentals of being a landlord, I had a credit score of 752, no debt, enough reserves for two units ($10k), the interest rate 5.5% 30-years, etc I have been reaching out to my NACA counselor nonstop since April 7th, 2024. *** tried email, *** tried calling, *** tried leaving voicemails, I tried the website, the NACA portal, etc I havent tried headquarters, BBB just gave me the idea to do such. I am a disabled veteran on disability benefits, so its not very easy to come across money. Now Im going back to school, now it even harder to come across money. I cant express how completely scammed I feel, especially knowing theyre going to ask me to renew my membership in four months. My mother ******* ****************, actually went through the same situation WITH NACA as she was pregnant with two children. They are scamming people, please please help My NACA Counselor: *************************** Phone number: *************************** Email: *****************************************

  

  Business response

  08/20/2024

  We would like to extend our delay in response to the message sent.
  
  ********************** graduated from the workshop 1/27/2024 with a scheduled appointment for 2/12/2024 that was met by the counselor as mentioned. ********************** was provided with an Action Plan as every member receives after each appointment session.
  An Action Plan is given to every member at the end of a counseling session detailing the steps Members must take to become NACA Qualified or Credit Access approved and the corresponding timeframe.
  The counselor also advises when the member has completed the Action Plan h/she must reach out to the appointment with the counselor on moving forward.
  NACA files are narrated each time the member contacts the National line 2/12/2024 was the last communication.  
  The credit score is not considered. The program is character base lending. We look at on-time payment history over the past 24 months. In addition to on time rental history. The focus of Payment History is to determine if a member has a history of paying bills on time regardless of the amount of debt. A review of the payment history is a key factor in determining if a member is ready for homeownership.
  If ********************** would have followed up & reviewed her personal member portal, she would have seen the file as unassigned & contacted the National line to find the counselor is no longer with the company.  A new counselor would have assigned to continue the process.
  We would like to continue the process with ********************** would like to continue the process by updating the member portal & scheduling the appointment. We look forward to hearing from ********************** soon! 

• Initial Complaint

  07/10/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I have been a member of NACA for home purchase. I started my journey with them in September of 2023. With NACA, theres a multi step process to get to the home purchase phase which I have gotten to in April. During this process I have looked for homes, paid inspections and ******* money deposits and have been under contract twice. As of Monday July 8th I was told after looking on my NACA member portal that I did not qualify for home purchase because my counselor did not process my paperwork correctly. Prior to this discovery communication was not effective. I would have never been able to move forward in the NACA home buying process if I did not complete all the requirements, which I did to get to the Housing Search portion. I have spent thousands of dollars during my process to be told a few day ago I dont qualify and I am under contract. I am highly disappointed. I have contacted the *** a few days ago and no response as of yet. My time has been inconvenienced and money lost.

  

  Business response

  07/16/2024

  NACA has received the complaint from ************** and understands the frustration. However,NACA has a policy/guideline we must follow that has to meet the requirements of NACA & of our Lender. ***** of America)
  The credit score is not considered. The program is character base lending. We look at on-time payment history over the past 24 months. In addition to on time rental history. The focus of Payment History is to determine if a member has a history of paying bills on time regardless of the amount of debt. A review of the payment history is a key factor in determining if a member is ready for homeownership.
  NACA in addition performs a full document underwriting of the household finances before we qualify one to shop for a house.  That includes credit, asset statements, rental and income verifications, complete income docs, explanations, etc.  The result is that virtually every NACA loan close provided the property appraises and there were not significant undisclosed property condition issues that come up later. 
  **************** student loans exceeded DTI ratios in addition to funds needed the file was declined for the property eligibility. The member also was not present for the home inspection that would be required.
  The counselor continued to provide counseling along with mgmt. in contact with ************** to explain as to why the amount qualified for originally was the wrong dollar amount & why the file was credit access denied. Mgmt. asked for updated documents to try understanding how to assist **************. She was not pleased about asking things she felt she had addressed.
  The National Mortgage UW Director also involved & expressed documents needed to reevaluate as there a couple of issue that came to attention > ************** did not maintain a savings pattern limiting the qualification amount to approximate rent and student loan liabilities increased lowering your PITI approval amount with Debt-to-income ratio as a limiting factor. The Director also contacted ************** who was not willing to put in the additional efforts & provided ways to resolve the concerns of **************** complaint
  NACA has been there in efforts to assist ************** to continue the path to become homeownership ready & was not turned away. Ms. *********** can contact NACA to continue the process & if unwilling we wish the very best on her path to Homeownership 

• Initial Complaint

  04/20/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I am extreme dissatisfied and frustrated with the handling of my account by ********************** and the lack of communication. Despite multiple attempts to provide the requested information and accommodate the requirements, I have encountered numerous issues which have severely impacted my confidence in the organization. I have diligently sent the requested information multiple times, only to find that it has seemingly fallen into a void with no acknowledgment of receipt or progress. This repeated disregard for my efforts is both disheartening and unacceptable. I have experienced a concerning pattern of canceled calls without prior notice. These cancellations not only disrupt my schedule but also demonstrate a lack of respect for my time and the urgency of the matters at hand. Since ************************* assumed responsibility of my account, there has been a glaring absence of communication. This negligence has led to misunderstandings, delays, and a breakdown in trust between me and the organization. As a result of these persistent issues, I have lost all respect and confidence in NACA's ability to fulfill its obligations. It is evident that there are significant shortcomings in the handling of my profile, and I can no longer tolerate such incompetence. I urge that NACA takes action to rectify these deficiencies and restore my faith in the organization. Clear communication, prompt acknowledgment of received documents, and respectful adherence to scheduled calls are basic expectations that must be met to maintain a professional relationship. Failure to address these concerns promptly will leave me with no choice but to seek alternative solutions for my needs. I trust that you understand the gravity of this situation and will take the necessary steps to remedy it without further delay.

  

  Business response

  04/23/2024

  We have received & review your concerns that have been sent to the attention of the National Director who is also currently addressing your file.
  
  Your file was assigned to counselor who worked diligently on your file until reassigned due to the counselor decided to take a different path.  Your file was currently being reviewed by the **** Department.
  NACAs Home and Neighborhood Development (****) department works with Members to assess property conditions and assist in addressing required repairs. These primarily consist of code, safety, and health related items.
  The **** Department evaluates and determines the required repairs and renovations (Rehab) for all properties purchased through NACAs Purchase Program. NACAs team of **** professionals provide guidance and assistance to help the Member identify property conditions and qualified contractors to repair their future home.  This department must follow the guidelines & conditions must be addressed.
  
  Mgmt is currently reviewing your file to ensure you are receiving the best service for the closing on your property, (There are processes we must follow.)
  ****************** will be receiving an update today .

  Customer response

  04/23/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  *****************************

• Initial Complaint

  04/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We got start with naca after a house first and city shut the house down that left me homeless, been struggling to pay hotel bill and keep a savings for NaCa program, off my spouse helping me. I am lose, because the counselor treat you bad, string you along and change there mind over again, causing stress, high blood pressures and lost of money, paying rent at hotel, that would take us in. Moving our file out, and saying we need them again, so we go on NACA and send file again. We asked the counselor why don't they just give us to someone else, we call for help with files and never get no answer. For a month sometime. I think that office got mad when we was ask to mail our paper to them, we did, they say they lost them, one ask for our bank account information, we did not, then the anger came,. How can we get help. We 64 years old retired from medical career.

  

  Business response

  04/23/2024

  We sincerely understand the distress you may be going throughhowever theres policy/guidelines to follow. We have the same focus & goals for all members that utilize the NACA program. Homeownership.
  The Mortgage Counselor assigned has reached out to the Brodericks with any questions/concerns they may have had. The counselor must have one of the most important details of the NACA program. 
  NACA uses the Members affordable rent as the baseline to determine their affordable monthly mortgage payment because this represents their proven ability to make a housing payment. Rent is the benchmark of the program. This verification is requested upfront & must be proven to the Underwriters.
  The counselor will be made aware of your concerns but as a member it must be understood of obtaining what counselor needs to submit for NACA Qualification.
  We hope that you will continue the NACA process so that we may carry you through obtaining Americas Best Mortgage. However, if the decision is different, we wish you the best on your path to Homeownership.
  

• Initial Complaint

  04/07/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Hello, I am filing this complaint because I am experiencing changes between **** counselors for no reason. Which means that I am going to be told and given different set of instructions each time in regards to qualifications. I think the process has been unprofessional as I was told by my previous counselor *********************** that I was being resubmitted for an increase in my mortgage amount. Which yesterday 04/06/2924 I saw that I was resubmitted and my income was corrected to reflect my self employment. Today 04/07/24 I see that I now have a new counselor and my mortgage amount is the same due to my self employment income not being added. Im not sure what to expect from naca but the experience I am having with a very discouraging. I am being told one thing then another thing is being done. The communication is not clear and being pushed on to another counselor is obviously an inconvenience and a dis service to me as a member.

  

  Business response

  04/15/2024

  Its unfortunate to hear the displeasure of Mr. ******** experience.NACA provides the same counseling method for all members.  The only difference is the members current situation.  
  
  The credit score is not considered. The program is character base lending. We look at on- time payment history over the past 24 months. In addition to on time rental history. The focus of Payment History is to determine if a member has a history of paying bills on time regardless of the amount of debt. A review of the payment history is a key factor in determining if a member is ready for homeownership.
  Other lenders set the interest rate based on the borrower, and largely based on credit score. With NACA, all borrowers receive the same exact rate and terms.
  During the initial intake session, a member is assigned a Housing Counselor who counsels the member into they become NACA Qualified. The Underwriter reviews the file to determine the monthly mortgage payment if they see the member is ready for Homeownership. Once the member is NACA Qualified the member is then assigned a Mortgage Counselor who then counsels the member till closing. During the process the member must keep the file current to date until close of the NACA loan.
  If the member wishes to seek a higher qualification the file will then return to the initial counselor to seek the higher amount based on possibly the member has received an increase at their place of employment. This process is the same process for all members our counselors are clear with the direction from policy standard.
  
  ****************** has a current set for 4/15to speak with the assigned counselor for any discrepancies he has in addition to clarification. If ****************** still feels the same, he should seek mgmt. to discuss further. We hope that ****************** remains in the program to seek homeownership.However, if ****************** decides to take a different direction we wish him the best on his *********************. 

  Customer response

  04/15/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  *****************************

• Initial Complaint

  04/02/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I completed the necessary webinar and got my NACA member number on Jan 27, 2024. My First meeting with the counselor was scheduled for March 13, during that meeting all paperwork was submitted and I was told that my file was complete but the counselor had to verify a question with the underwriter and we were to reconvene at 1pm that day. The counselor NEVER responded back I called, emailed, called the call center for days and they called and emailed but I never received correspondence back from the counselor. On approximately March 25th I called in to complain again about the counselor not reaching back out to me and I was given another appointment with the counselor for March 28th. On that appointment the question that she was suppose to inquire about from the underwriter she again had to inquire about it, which meant to me that she did not do it initially. She then told me she was going to call me back and again never called. My file has not progressed any further and I have not heard from anyone in regards to my file moving along seeing that everything is complete and turned in. On April 1st, I called in to voice my disapproval of the services that I had been receiving and basically not receiving. I informed the representative that I was not happy about the lack of correspondence from my counselor and was told that was a nationwide problem and it can not be corrected that in itself is a major deterrent. Also, not having my file move along in a timely manner as stated by my counselor is another major deterrent because I advised my counselor of my current living arrangement and my son aging out of the program. Its very discouraging to have a counselor that is not attentive to my case and I am not receiving to services that I paid for so I requested a refund because I am not confident I will receive the services I paid for based on the lack of communication I have been receiving. The representative then deactivated my account which confirms I will not get help.

  

  Business response

  04/03/2024

  We are sorry to hear your experience has not gone well thus far. NACA wishes to provide the best service possible to lead our members to Homeownership.
  NACA s program is character-based lending based on the memberscurrent situation. If a member has roadblocks the member must address.  NACA will be here for as long as required until the member is ready for homeownership. A member can close within 3-6 months without extenuating circumstances.
  Members cannot rush the process based on their current situation & we express this within our workshops. NACAs works according to Underwriting criteria to ensure the member has received the best mortgage option.
  *** *********** started the process with the 1st step of the workshop.  ************************** appointments has been met & has received counseling.    During these sessions. ************************* received an Action Plan which details a list of items to meet NACA Qualification & the timeframe to become Homeownership ready.
  ************************** last appointment with the counselor was date 3/28/2024 as a follow-up appointment per requested. NA
  NACA s understands the members anxiousness to move the process along.  We must meet the Underwriting criteria.  The file was reviewed at a weekly review meeting for a roadblock exception.
  The NACA file was made inactive due to the request of *************************. a file cannot be made inactive without consent from the member. We would like to continue the process with *** *********** while understanding if she decides to move forward. We wish the best on her path to Homeownership.
  Mgmt. will be advised to see how we can continue the process if so desired by Ms. *****************

  Customer response

  04/03/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  I was told that the process can be expedited based on my circumstances, that was not something that I came up with. And my inability to contact and receive correspondence from my counselor was not a fault of mine. I was  not aware that an action plan was created. No one contacted me to let me know this. That shows that I have insufficient representation within this company. I know that this company is not the company that will sufficiently represent me and do the thing that I have paid them to do within a timely and hassle free manner. Therefore I still request a refund the payment was for a year I have not utilized a full month. Within the time limit I have been using this company it has been unsatisfactory. 
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******** Nightingale 

   

   

  

  Business response

  04/04/2024

  We have offered the extension to move forward with the process. The process is outlined in our Homebuyers workbook that is a ten-step process through the NACA program. Ms. ************ is currently at the Action Plan waiting for Underwriting approval and has received counseling guidance to the path of homeownership. The process is not based on the members current situation. NACA is here to provide comprehensive counseling should ************************** wish to continue the *********************.

  Customer response

  04/07/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  A refund is the only satisfactory end result.  
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ********

   

   

• Initial Complaint

  02/23/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  We went through tis company as a business to see if it was something we could use to help our customers. Signed up-went to zoom meeting- then decided it wasn't what we would be interested in. They are NON-Stop emailing me about upcoming zoom meetings (that you really only need to attend once). I have asked multiple times for them to take me off of their lists. They basically schmooze me saying oh yes we took you off our email list, no problem you should no longer receive emails. Even after a very angry email stating I am not only still receiving but its several times weekly I'm actually getting them, day before, reminder I need to check in, and oh we missed you..... so SEVERAL emails !! I have asked them to stop sending me several times now. I do not know how else to relay my message to them and replies back to me with ****** comments like I'm bothering them when they "took care of it" . They Have not!. If you don't know for sure you want to do all the work to get into this and possibly be denied by the very person who asked you to go thru this company (yes after all your work there is still a huge probability they will go with someone else -because they're cheaper-) and when you want to get away they keep hounding you to attend the meetings- forget it they won't let you go!! -Fed Up business who just wants to stop being harassed.

  

  Business response

  02/27/2024

  We do apologize that you may be receiving alerts from our organization. These alerts are only for reminders of interest if there is a need for our services that are automatically sent. We have a huge database & usually search to shut these alerts off ...we were unable to find any information in the system to assist you. If could be due to an old email address or telephone number. Please contact our national line at ************ to search with any information you have that maybe helpful to help shut down these alerts. 

  Customer response

  03/02/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *****

   

   I have called and was told my email -the only email I use and that was given to this business yet they still send me multiple message weekly-that my email was removed , months ago yet I am still getting them.. maybe this business needs to dig a bit deeper to see what their problem is and see that my email is still getting consistent reminders. Got another one stating I missed the meeting that I have told them to stop sending me zoom info over and over again as well as reminders  

  

  Business response

  03/11/2024

  Upon search of the information there is no file with your contact information. This only means there is an old address or telephone number. We will be happy to stop the alerts if we can find the file number. Please contact the National line so that we may resolve your concern.

• Initial Complaint

  02/06/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I attended the Naca homebuyer workshop October/2023. 3 weeks later I met with my mortgage counselor, the initial meeting went great she set me up with an action plan with very little to do. Financially and credit wise she said I was in a great position. Fast forward to her sending my file to the underwriter, it came back with 3 conditions which were just ***. I wrote the letters and submitted them same day. At that time my file was supposed to be resubmitted and I was supposed to get an approval or more conditions. Yet, 3 weeks has gone by and my counselor and her manager have ignored me. Ive emailed everyday and call the office every 2 days. The front desk lady always tells me shes leaving notes for my counselor or that my counselor promises to call or email me, yet she never does. It feels real fraudulent that they can take all your personal information and then just ignore you. I only want answers on my file. I did everything they asked me and submitted all the paperwork/documents/check stubs etc. requested and I cant even get a returned email. *** called the manager and still no one will answer me. They wont even schedule me a follow up appointment. This just feels so unprofessional and really inconsiderate. I feel like a fool for referring the program to others. But Ill be sure to share my experience with everyone I prematurely referred.

  

  Business response

  02/06/2024

  Tell us
  NACA would like to take the opportunity to apologize for non-communication from the counselor. A complaint has been forwarded to the National Director to correct these actions.
  The members responsibility during the process is to keep the member portal current to date with the required documents until close of the NACA loan if h/she is seeking Homeownership.The member can also schedule appointments within the member portal & may also be placed on the waitlist in case of a cancellation of an appointment.
  NACA will be here to meet your homeownership needs if the members are willing to face their roadblocks.We understand if you decide to take a different path & wish you the best.
  why here...

  Customer response

  02/06/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [As a Naca Member who is current with all paid dues I know my responsibility within the program. I have kept my file updated with every check stub and bank statement. It's unfair to me that my file is being lost in the cracks. I called again today and had to insist that the receptionist have my counselor respond to my emails. She tells me that because I have 2 jobs I have to be on both jobs for a year to qualify and that my file is held up at the underwriter and shes waiting on their response. It seems strange that it would take an underwriter 3 weeks to review a file. If Im doing what is asked of me why cant NACA do what they promise in their mission?  ]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

  

  Business response

  02/13/2024

  The National mgmt./counselor made contact with the member as stated. The member was given detailed information on what is takes to address the conditions. Per the Underwriter these conditions must be met in order to move forward. The member has an upcoming appt scheduled & hopefully the file can be submitted back to the Underwriter to review. We hope that **************** will move forward to continue the *********************. 

*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. ↩