RE:
complaint #***
*** *** vsCredit Central of ***
Regarding the above referenced complaint; I have thoroughly investigated *** *** ComplaintAttached statement from, *** ***, Vice President
Should you have any questions please feel free to contact me at (*** ***
Senior Vice President
LEG/svaEnclosures
FROM: *** ***
DATE: February 26,
SUBJECT: Revdex.com Complaint ***
*** *** vs CC ***
This letter is to inform you that I had our district supervisor over the Credit Central *** SC location, *** ***, investigate this complaint
In the complaint received, *** *** has made some allegations that we would like to addressFirst, *** *** is not a customer of Credit Central in the *** locationMs***'s complaint is in reference to her sister *** *** *** who does have an account with the *** office and her account number is ***
In the complaint, Ms*** states “yes this company harasses us, beating our doors, putting magnets on our cars, be talked to very rude, hung up on me, you can’t call someone at 7:in the morning and continues to call times a day”
I had *** ***, speak with Ms*** directly on Thursday, February 20, 2014, in regards to her complaintMs*** stated to Mr*** that she did not want anyone to get fired, just for the office to stop all communication with her in regards to her sister, *** *** ***Ms*** stated that she called our office to tell *** ***, Branch Manager, that Ms*** ***, her sister, did not live with her and for Credit Central to stop coming to her house looking for herMs*** stated that Ms*** *** did stay with her for a couple weeks, but she is no longer thereShe also stated that someone placed magnets on her car, but it was a couple of months agoShe could not provide us with a description of the person or type of car they droveThis was addressed and all of the employees deny ever placing any magnets on her carWe have reiterated that is not to happen to not only Ms***, but any other customer/reference without their permission
In reference to a call being placed at 7:am, we verified that this was never done to Ms*** directlyShe is referring to a call made to Ms*** ***'s job, which was a legitimately timed call, as it was told to us by her family and her employer as the only “reasonable time” to reach her, and is allowed by law
Lastly, the issue of calling twenty times per day, Mr*** reviewed the collection notes and after doing so determined that no one from Credit Central has ever called more than two times
per day, as allowed under our rights by law
After Mr*** spoke with Ms*** on Thursday February 20, 2014, and addressed each of her concerns, we consider this complaint as being resolvedWe have stopped all communication with Ms*** as she has requestedIf you have any further questions, please feel free to contact me directly
RE:
Complaint #***
*** *** vsCredit Central of ***
Dear *** ***:
Regarding the above referenced complaint, have thoroughly investigated *** *** complaintAttached is a statement from, *** ***, Vice President
Should you have any questions, please feel free to contact me at (*** ***
Sincerely,
EnclosuresTO: *** ***
FROM: *** ***
DATE: March 6,
SUBJECT: Revdex.com Complaint #***
*** *** VS CC ***
This letter is to inform you that l have investigated the complaint made by *** *** against our Credit Central *** location
In the complaint received *** *** made several allegations that I would like to addressFirst, *** *** has been a customer of Credit Central since January 30, 2013, and has two open accounts at this timeThe complaint received was made against account numbers *** and***These accounts were opened on September 26, and September 30, 2013, respectively, and account ending ** is still due since October 26, 2013, and account ending ** is still due for January 1,
As stated above the customer’s accounts are past due and there have been a number of attempts made to reach *** ***In addition, this is the second complaint received by *** ***, and l have attached the initial response to this oneIn conclusion, based upon my investigation, we have only made attempts to reach *** *** in regards to trying to resolve his past due accounts as allowable by lawWe asked during our last response for him to contact us in regards to his account, and to date, he still has notI have approved the branch to utilize the magistrate’s system as a further collection avenue since *** *** has refused to honor the contracts to which he agreed upon in September Lastly, I ask, again, that *** *** contact the branch to make arrangements in regards to his accountsShould you have any further questions, please feel free to contact me directly
*** ***
Subject: *** ***- ***
***,
*** and l have reviewed the existing live check loans in *** For whatever reason we sent the (total payback) loan out to beacon score of to In review of his past dues to include mispays this $loan is the one that is not performingWe want to change this loan to the loan with a cash out of $and we can get the most on the handling charge of We will only be doing live check amounts in *** on this next runThe large loan using the beacon score of 651-is doing well so we will keep that one the sameIt is the $total note
So what does this mean? *** has already sent you the grid to input the loansFor *** I need you to input the loan with the cash advance of Then you can input the loan as it has been
l have spoken to *** concerning thisIf you have any questions feel free to contact*** or myselfPlease confirm once this has been handled
Beacon Scores of 601-will get the $loanBeacon Scores of 651-will get the $loan already in place
Now question for *** *** *** would like to send out the other beacon scores of through a regular postcard that we usually send outWe do not want to use the pre-select piece of the expenseWe actually have approx7,names (still left to be purified by distance and ***) so it would be a little less than that
Let us know if you are okay with that so we can share with ***
Thanks,
*** *** *** Senior Vice President
Credit Central LLC
** *** ***
***, SC
FROM: *** *** DATE: February 17,
SUBJECT: *** *** vs CC ***
This letter is to inform you that l have investigated the complaint made by *** *** against our Credit Central *** location
In the complaint received *** *** made several allegations that I would like to addressFirst, *** *** has been a customer of Credit Central since January 30, 2013, and has two open accounts at this timeThe complaint received was made against account numbers *** and***These opened on September 26, 2013, and September 30, 2013, and are past due from October 26, and October 30, 2013, respectively
As stated above the customer's accounts were past due at the time *** ***, the Branch Manager, went to the parking lot to speak to *** *** about his accountsOn November 27, *** ***, noticed *** *** leaving the finance company next door to Credit Central in *** SCWhen *** *** determined that *** *** was ,in fact, going to leave the establishment next door without coming into Credit Central to discuss his past due accounts, *** *** walked outside and approached *** *** and asked him to come into the office and sit down with him so that satisfactory arrangements could be made on his accountsWhen *** *** identified himself, *** *** stated “I know who you are”When asked to come into the office *** *** stated “I will pay you when I get it" and got into his vehicle and left without making any arrangements on his past due accounts
As is Customary, on November 29, 2013, *** *** and the Assistant Manager Went to *** ***’s residence in an attempt to discuss his past due accounts and verify the collateral he had used to secure loan number *** *** stated that he “did not have the collateral that he had used to secure his loan" and that he “did not have time to come to the office"*** *** then informed *** *** of his past due amount and *** *** wrote a check for the past due amountOn December 11, 2013, the check written by *** *** subsequently was returned due to insufficient funds and *** *** was notified*** *** refused again to visit the office and the returned check was taken to *** County Worthless Check unit on December 12,
On December 28, 2013, *** ***, District Supervisor for Credit Central was contacted by *** *** *** stated that he thought he was being treated unfairly and that because
he had a disability he felt that we as a company should be more understanding and requested an extension at that time until January 15, ***
*** assured *** *** that we in fact did appreciate him as a customer and while we are empathetic to his condition he has not lost any income and his disability has no bearing on his ability to pay in a timely mannerThe issue as it stood then and now was that he has two loans that are seriously past due and he was failing to communicate as he had agreed at the time the loans were givenBased on those facts, *** *** informed him we could not justify granting an extension*** *** encouraged *** *** to visit the office when he received his disability check on January 3, 2014, and get his accounts current, in which *** *** refused to agreeOn January 2, 2014, *** *** was again visited at his residence by the Assistant Manager, *** ***, about the past due amount on account***, as the Solicitor’s office was in the process of collecting on *** *** *** did agree to visit the office on January 3,
*** *** came into the office on January 3, *** *** alleges that *** *** “jumped out of his chair and started pointing his finger in my face"Upon my investigation this allegation is not true*** *** refused to sit down and had a uncooperative attitude and began speaking loudlyIn order to not disrupt the office and other customers in the branch, *** *** asked *** *** to leave the officeSince then, no payments have been received on either of *** ***'s accounts and they are still pending legal collection efforts
Based upon my investigation we are only making attempts to reach *** *** in attempts to resolve his past due accountsAll attempts have been within our rights of collection laws within the contract that he signedThese accounts have not been worked since February 6, 2014, when we were made aware that he had filed a complaintIn conclusion, due to the longevity of our relationship with *** ***, we would like to maintain a good working one; we only wish that he contact the branch to make adequate arrangements to pay the remaining past balance as required by every customer with which Credit Central has an agreed ContractWe ask that he make contact with the branch upon receipt of our responseShould you have any further questions, feel free to contact me directly
SB/sva
[redacted]
FROM: [redacted]
DATE: February 3, 2014 SUBJECT: Revdex.com Complaint #[redacted] vs Credit Central [redacted]This letter is to inform you that I had our district supervisor over the Credit Central [redacted] SC location, [redacted], investigate this complaint.
in the complaint received, [redacted] has made some allegations that we would like to address. First,
[redacted] has been a customer of Credit Central since July 25, 2011. [redacted] currently has an open account with the office and his account number is [redacted] and this account is currently due from January 16, 2014. The last payment made on [redacted] account was a check through the mail and it was received on January 17, 2014.
In [redacted] complaint, [redacted] states “the company constantly calls my office and last week actually showed up at my employer”.
After investigating the complaint, it is apparent that the staff in the office has called [redacted] place of employment and visited [redacted] at his place of employment on January 16, 2014. Prior to this visit,[redacted] had made a number of promises to visit the office over the phone and did not show up to honor his agreement. Once a visit was made to[redacted] place of employment, he then notified the office that he was filing for bankruptcy. During the time that the office made contact with him over the phone, not once did he let them know about his intentions for filing bankruptcy.
**. [redacted], spoke with the Manager, [redacted], and confirmed that they had not received a Cease & Desist letter from[redacted]. At no time has [redacted] requested that they do not contact him on his job nor was the office made aware of[redacted] intentions of filing bankruptcy. The employees were simply following proper collection policies and procedures as outlined by our Company, State, and
Federal Laws.
At this point, all communication with [redacted] has been stopped. In accordance with Bankruptcy laws, we will allow the allotted time for [redacted] to provide us with a case number. In the interim, we ask that he provide the branch with his Attorney’s name and telephone number for follow up. In addition, should the branch not receive the information to verify the bankruptcy filing in the allotted time-15 days from receipt of this letter-we will have no choice but to continue further collection activity on any past due monies owed in accordance with the Contract signed by [redacted].
If you need any other information from me, please feel free to contact me at the number listed above.
RE:
complaint #***
*** *** vsCredit Central of ***
Regarding the above referenced complaint; I have thoroughly investigated *** *** ComplaintAttached statement from, *** ***, Vice President
Should you have any questions please feel free to contact me at (*** ***
Senior Vice President
LEG/svaEnclosures
FROM: *** ***
DATE: February 26,
SUBJECT: Revdex.com Complaint ***
*** *** vs CC ***
This letter is to inform you that I had our district supervisor over the Credit Central *** SC location, *** ***, investigate this complaint
In the complaint received, *** *** has made some allegations that we would like to addressFirst, *** *** is not a customer of Credit Central in the *** locationMs***'s complaint is in reference to her sister *** *** *** who does have an account with the *** office and her account number is ***
In the complaint, Ms*** states “yes this company harasses us, beating our doors, putting magnets on our cars, be talked to very rude, hung up on me, you can’t call someone at 7:in the morning and continues to call times a day”
I had *** ***, speak with Ms*** directly on Thursday, February 20, 2014, in regards to her complaintMs*** stated to Mr*** that she did not want anyone to get fired, just for the office to stop all communication with her in regards to her sister, *** *** ***Ms*** stated that she called our office to tell *** ***, Branch Manager, that Ms*** ***, her sister, did not live with her and for Credit Central to stop coming to her house looking for herMs*** stated that Ms*** *** did stay with her for a couple weeks, but she is no longer thereShe also stated that someone placed magnets on her car, but it was a couple of months agoShe could not provide us with a description of the person or type of car they droveThis was addressed and all of the employees deny ever placing any magnets on her carWe have reiterated that is not to happen to not only Ms***, but any other customer/reference without their permission
In reference to a call being placed at 7:am, we verified that this was never done to Ms*** directlyShe is referring to a call made to Ms*** ***'s job, which was a legitimately timed call, as it was told to us by her family and her employer as the only “reasonable time” to reach her, and is allowed by law
Lastly, the issue of calling twenty times per day, Mr*** reviewed the collection notes and after doing so determined that no one from Credit Central has ever called more than two times
per day, as allowed under our rights by law
After Mr*** spoke with Ms*** on Thursday February 20, 2014, and addressed each of her concerns, we consider this complaint as being resolvedWe have stopped all communication with Ms*** as she has requestedIf you have any further questions, please feel free to contact me directly
RE:
Complaint #***
*** *** vsCredit Central of ***
Dear *** ***:
Regarding the above referenced complaint, have thoroughly investigated *** *** complaintAttached is a statement from, *** ***, Vice President
Should you have any questions, please feel free to contact me at (*** ***
Sincerely,
EnclosuresTO: *** ***
FROM: *** ***
DATE: March 6,
SUBJECT: Revdex.com Complaint #***
*** *** VS CC ***
This letter is to inform you that l have investigated the complaint made by *** *** against our Credit Central *** location
In the complaint received *** *** made several allegations that I would like to addressFirst, *** *** has been a customer of Credit Central since January 30, 2013, and has two open accounts at this timeThe complaint received was made against account numbers *** and***These accounts were opened on September 26, and September 30, 2013, respectively, and account ending ** is still due since October 26, 2013, and account ending ** is still due for January 1,
As stated above the customer’s accounts are past due and there have been a number of attempts made to reach *** ***In addition, this is the second complaint received by *** ***, and l have attached the initial response to this oneIn conclusion, based upon my investigation, we have only made attempts to reach *** *** in regards to trying to resolve his past due accounts as allowable by lawWe asked during our last response for him to contact us in regards to his account, and to date, he still has notI have approved the branch to utilize the magistrate’s system as a further collection avenue since *** *** has refused to honor the contracts to which he agreed upon in September Lastly, I ask, again, that *** *** contact the branch to make arrangements in regards to his accountsShould you have any further questions, please feel free to contact me directly
*** ***
Subject: *** ***- ***
***,
*** and l have reviewed the existing live check loans in *** For whatever reason we sent the (total payback) loan out to beacon score of to In review of his past dues to include mispays this $loan is the one that is not performingWe want to change this loan to the loan with a cash out of $and we can get the most on the handling charge of We will only be doing live check amounts in *** on this next runThe large loan using the beacon score of 651-is doing well so we will keep that one the sameIt is the $total note
So what does this mean? *** has already sent you the grid to input the loansFor *** I need you to input the loan with the cash advance of Then you can input the loan as it has been
l have spoken to *** concerning thisIf you have any questions feel free to contact*** or myselfPlease confirm once this has been handled
Beacon Scores of 601-will get the $loanBeacon Scores of 651-will get the $loan already in place
Now question for *** *** *** would like to send out the other beacon scores of through a regular postcard that we usually send outWe do not want to use the pre-select piece of the expenseWe actually have approx7,names (still left to be purified by distance and ***) so it would be a little less than that
Let us know if you are okay with that so we can share with ***
Thanks,
*** *** *** Senior Vice President
Credit Central LLC
** *** ***
***, SC
FROM: *** *** DATE: February 17,
SUBJECT: *** *** vs CC ***
This letter is to inform you that l have investigated the complaint made by *** *** against our Credit Central *** location
In the complaint received *** *** made several allegations that I would like to addressFirst, *** *** has been a customer of Credit Central since January 30, 2013, and has two open accounts at this timeThe complaint received was made against account numbers *** and***These opened on September 26, 2013, and September 30, 2013, and are past due from October 26, and October 30, 2013, respectively
As stated above the customer's accounts were past due at the time *** ***, the Branch Manager, went to the parking lot to speak to *** *** about his accountsOn November 27, *** ***, noticed *** *** leaving the finance company next door to Credit Central in *** SCWhen *** *** determined that *** *** was ,in fact, going to leave the establishment next door without coming into Credit Central to discuss his past due accounts, *** *** walked outside and approached *** *** and asked him to come into the office and sit down with him so that satisfactory arrangements could be made on his accountsWhen *** *** identified himself, *** *** stated “I know who you are”When asked to come into the office *** *** stated “I will pay you when I get it" and got into his vehicle and left without making any arrangements on his past due accounts
As is Customary, on November 29, 2013, *** *** and the Assistant Manager Went to *** ***’s residence in an attempt to discuss his past due accounts and verify the collateral he had used to secure loan number *** *** stated that he “did not have the collateral that he had used to secure his loan" and that he “did not have time to come to the office"*** *** then informed *** *** of his past due amount and *** *** wrote a check for the past due amountOn December 11, 2013, the check written by *** *** subsequently was returned due to insufficient funds and *** *** was notified*** *** refused again to visit the office and the returned check was taken to *** County Worthless Check unit on December 12,
On December 28, 2013, *** ***, District Supervisor for Credit Central was contacted by *** *** *** stated that he thought he was being treated unfairly and that because
he had a disability he felt that we as a company should be more understanding and requested an extension at that time until January 15, ***
*** assured *** *** that we in fact did appreciate him as a customer and while we are empathetic to his condition he has not lost any income and his disability has no bearing on his ability to pay in a timely mannerThe issue as it stood then and now was that he has two loans that are seriously past due and he was failing to communicate as he had agreed at the time the loans were givenBased on those facts, *** *** informed him we could not justify granting an extension*** *** encouraged *** *** to visit the office when he received his disability check on January 3, 2014, and get his accounts current, in which *** *** refused to agreeOn January 2, 2014, *** *** was again visited at his residence by the Assistant Manager, *** ***, about the past due amount on account***, as the Solicitor’s office was in the process of collecting on *** *** *** did agree to visit the office on January 3,
*** *** came into the office on January 3, *** *** alleges that *** *** “jumped out of his chair and started pointing his finger in my face"Upon my investigation this allegation is not true*** *** refused to sit down and had a uncooperative attitude and began speaking loudlyIn order to not disrupt the office and other customers in the branch, *** *** asked *** *** to leave the officeSince then, no payments have been received on either of *** ***'s accounts and they are still pending legal collection efforts
Based upon my investigation we are only making attempts to reach *** *** in attempts to resolve his past due accountsAll attempts have been within our rights of collection laws within the contract that he signedThese accounts have not been worked since February 6, 2014, when we were made aware that he had filed a complaintIn conclusion, due to the longevity of our relationship with *** ***, we would like to maintain a good working one; we only wish that he contact the branch to make adequate arrangements to pay the remaining past balance as required by every customer with which Credit Central has an agreed ContractWe ask that he make contact with the branch upon receipt of our responseShould you have any further questions, feel free to contact me directly
SB/sva
T0: [redacted]...
[redacted]
FROM: [redacted]
DATE: February 3, 2014 SUBJECT: Revdex.com Complaint #[redacted] vs Credit Central [redacted]This letter is to inform you that I had our district supervisor over the Credit Central [redacted] SC location, [redacted], investigate this complaint.
in the complaint received, [redacted] has made some allegations that we would like to address. First,
[redacted] has been a customer of Credit Central since July 25, 2011. [redacted] currently has an open account with the office and his account number is [redacted] and this account is currently due from January 16, 2014. The last payment made on [redacted] account was a check through the mail and it was received on January 17, 2014.
In [redacted] complaint, [redacted] states “the company constantly calls my office and last week actually showed up at my employer”.
After investigating the complaint, it is apparent that the staff in the office has called [redacted] place of employment and visited [redacted] at his place of employment on January 16, 2014. Prior to this visit,[redacted] had made a number of promises to visit the office over the phone and did not show up to honor his agreement. Once a visit was made to[redacted] place of employment, he then notified the office that he was filing for bankruptcy. During the time that the office made contact with him over the phone, not once did he let them know about his intentions for filing bankruptcy.
**. [redacted], spoke with the Manager, [redacted], and confirmed that they had not received a Cease & Desist letter from[redacted]. At no time has [redacted] requested that they do not contact him on his job nor was the office made aware of[redacted] intentions of filing bankruptcy. The employees were simply following proper collection policies and procedures as outlined by our Company, State, and
Federal Laws.
At this point, all communication with [redacted] has been stopped. In accordance with Bankruptcy laws, we will allow the allotted time for [redacted] to provide us with a case number. In the interim, we ask that he provide the branch with his Attorney’s name and telephone number for follow up. In addition, should the branch not receive the information to verify the bankruptcy filing in the allotted time-15 days from receipt of this letter-we will have no choice but to continue further collection activity on any past due monies owed in accordance with the Contract signed by [redacted].
If you need any other information from me, please feel free to contact me at the number listed above.