Edward Jones - Victoria (Quadra)

June 11, Revdex.com Complaint: [redacted] I am in receipt of [redacted] complaint regarding his account with Crescent Bank (Crescent) and cancellation of GAP and Warranty policies that were included when he purchased a Nissan Altima The policies were sold by the dealership, Landers Dodge Chrysler, Benton Road, Bossier City, LA GAP and Warranty policies sold by the dealership can only be cancelled through the dealership I apologize for any confusion in this matter Sincerely, Compliance Department

See Attachment

P.O. Box 60048 New Orleans, LA 70161 ###-###-#### or ###-###-#### Fax ###-###-#### February 8, 2016 Revdex.com Complaint: 11111111, [redacted]                 I am in receipt of [redacted]’s complaint...

regarding an account with Crescent Bank (Crescent).  All payments received on the account have been properly posted. Several payments received were notated to apply any extra funds to the principal of the loan.  Those payments were posted in 2 different transactions to show the extra amount that was posted to principal only. Sincerely, Compliance Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11191931, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why...

you are not satisfied with this resolution.] I have no money order stubs for November and december 2015 car payment.  Car is still at the body shop as of yesterday Monday March 28th 2016 I got pictures of it. It is sitting out in front of the body shop. My insurance company's adjuster wrote the car up totaled last Friday March 25th 2016 so the car will paid in full by grange  insurance 
Regards,
[redacted]

P.O. Box 60048 New Orleans, LA 70161 ###-###-#### or ###-###-#### Fax ###-###-#### April 1, 2016 Revdex.com Complaint: 11191931, [redacted]                 I am in receipt of [redacted]’ rejection of our response to his complaint.  We have been in touch with his insurance company.  They have advised us the value of the vehicle is $12,499.00 but since they already paid Mr. [redacted] $8,404.48 and after the deductible of $500, Crescent will get a check in the amount of $3,594.52.  Mr. [redacted] also has a GAP policy.  Mr. [redacted] will be responsible for any amount remaining after the insurance and GAP payments are posted. Sincerely, Compliance Department

Thank you for letting us know about the issues that you are having with Crescent Bank.   Before responding to your complaint, I wanted to better understand the history of your account.  I reviewed our call history for your account, because it would be quite unusual for us to call...

the co-borrower before calling the borrower.  I found that we tried to reach your son 62 times from January 17, 2014 to June 23, 2016.  Unfortunately, he did not answer or return any of those calls.  The call history shows that we called you seven times, from February 24, 2016 through June 23, 2016 and only one of those calls was not precipitated by a call to your son.  We do appreciate you taking our phone calls and calling us back.  That has been very helpful in keeping the account on track.  However, we certainly understand that you do not want to be called by us and we placed a “do not call” flag on your phone numbers on June 23, 2016.Your June 22nd payment, submitted through our telephone payment system, was processed and posted on June 23, 2016.  Our system does not advance the next due date until payments post and it did not post until after we called you.  I can understand your frustration because you had already authorized a payment but still got a call from us.  I do apologize for that and would like to thank you for bringing this to our attention.   We are going to look into improving that process.Again, I would like to thank you for bringing these issues to our attention.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11151074, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Per the FCRA you should be reporting all information correct and up to date.  This account is not open.  Furthermore you have not provided copies of items signed by me to your company nor anything showing the sale of the car.  Per FCRA you should be reporting this as closed the payments were NEVER late up until you lied about refinancing the car.  Please report correctly,  send copies of documents signed or remove from my credit ASAP.
Regards,
[redacted]

March 11, 2016 Revdex.com Re: Case # 11151074 [redacted] Crescent Bank (Crescent) is in receipt of [redacted]’ rejection of our answer to her original complaint regarding an account with Crescent. A copy of the contract, assignment and payment history was sent to Ms. [redacted] on 3/2/2016. The account is not closed; it is an open valid debt. Our records indicate the account is reporting complete and accurate information to the credit reporting agencies. Sincerely,Compliance Department

June 11, 2015
 
Revdex.com Complaint: [redacted]
               
 
I am in receipt of [redacted] complaint regarding his account with Crescent Bank (Crescent) and cancellation of  GAP and Warranty policies...

that were included when he purchased a 2010 Nissan Altima.  The   policies were sold by the dealership, Landers Dodge Chrysler, 2701 Benton Road, Bossier City, LA 71111.  GAP and Warranty policies sold by the dealership can only be cancelled through the dealership.  I apologize for any confusion in this matter.
 
Sincerely,
Compliance Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11519365, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
As we all know, the primary, my son, lives with me. He
allowed me to view his cellphone history and in the time period mentioned, he
has not received one phone call from them. In fact, during the entire life of
the loan to date, he has never received a call.
During the same period, I have received way more than 7
phone calls from them. In fact, there have been at least 5 to 7 on average per
month.  They are either telling a complete and blatant lie; their records
are screwed up to the point where they have the wrong number listed for him.
The wrong number thing is hard to believe since he has had the same number
since before he bought the car for which the loan is for and has called them a
few times from his phone. SO as I see it, something is wrong on their end which
needs to be corrected. It was never my intention to be put on a no call list.
In fact, I would want to be called as a last resort if my son for some reason
has not made his payment. What I do not want is this company to lie to me about
the number of calls made to me. 
In addition to what I have stated before, I want for them
to contact me via email at [redacted] or I may be called at the
number they have listed for me but after 12:00 noon EDT as I work the night
shift. It is my belief that they have the wrong number for my son. I would like
to know what number they have listed for him. I also want a formal apology from
them with regards to this matter. They have not conducted themselves in a
professional manner nor have they even tried to insure they have the correct
numbers for all on the account.
Regards,
[redacted]

P.O. Box 60048 New Orleans, LA 70161 ###-###-#### or ###-###-#### Fax ###-###-#### March 18, 2016 Revdex.com Complaint: 11195907, [redacted]                 I am in receipt of [redacted]’ complaint regarding an account...

with Crescent Bank (Crescent).  The contract is based on the simple interest method of calculating interest. The amount of $5.22 that was quoted to Ms. [redacted] was the per diem interest rate, not a late charge. Late charges are assessed according to the provision in the contract.  Crescent’s policy is to not allow a payment date change if the contract allowed for 45 days from the contract date to the first payment date. Independent Dealers Advantage, LLC (IDA) was the original owner of the contract. It was later assigned to Crescent.  A copy of the contract, assignment and payment history will be sent to Ms. [redacted]. Sincerely, Compliance Department

March 2, 2016
 
Revdex.com
 
Re: Case # 11151074 [redacted]
 
Crescent Bank (Crescent) is in receipt of [redacted] complaint regarding an account with Crescent. Ms. [redacted] purchased a 2006 Chevrolet Malibu on 8/30/2008. The account was originally...

assigned to Independent Dealers Advantage (IDA). It was then assigned to Crescent Bank (Crescent) on 12/30/2008. On 7/8/2011 an impound notice was received stating the 2006 Chevrolet had been abandoned at a dealership; the vehicle was then repossessed and sold. The proceeds of the sale of the vehicle were applied to the principal balance of the account but it was not enough to pay off the entire amount due. The deficiency balance is still due. Crescent has not received any payments since the sale. Interest has been accruing at the contractual rate since July 2011. This is provided for in the contract. The contract does not end after the sale of the vehicle if the balance is not paid in full. The contract allows for interest to continue accruing until the loan is paid in full. This is a valid debt; Crescent would be happy to work with Ms. [redacted] to help her resolve this issue.
 
A copy of the contract, assignment and payment history will be sent to Ms. [redacted].
 
Sincerely,
Compliance Department

P.O. Box 60048 New Orleans, LA 70161(757) 549-7643 or (866) 807-2039Fax (866) 807-2087November 19, 2015Revdex.com Complaint: [redacted]I am in receipt of [redacted] complaint regarding his account with Crescent Bank (Crescent).  Our records indicate no one from Crescent has...

spoken with Mr. [redacted] or the co-signer on the loan since 6/24/2015.  Crescent tries to work with our customers when they have financial difficulties.  We tried to contact Mr. [redacted] and the co-signer many times over the past 5 months but messages we left were not returned.  The account is now 3 months past due.  If Mr. [redacted] calls our office a representative will review the account to determine what we may be able to do to help him. Sincerely,Compliance Department

Thank you for contact us regarding the problems you have had with your vehicle.  I researched your account to better understand its history.  Our notes indicate that on December 31, 2015, the vehicle would not start, resulting in your request that Mazda Roadside Towing bring it to Mazda...

for repairs.  The towing company was not able to deliver the vehicle to Mazda because there was no “night drop”.  You never received a call from Mazda, to let you know that they did not receive your vehicle and then the towing company assessed a storage fee for storing the vehicle.  I am sorry that you have had such a hard time with Mazda Roadside getting your vehicle to its intended destination.  Unfortunately, we are not in a position to help you with the towing company or Mazda.  We fulfilled your request to voluntarily surrender the car, retrieved it and sold it at auction.  There was a deficiency balance because the amount owed was more than the funds received at auction.  Our agreement with the Credit Reporting Agencies requires us to report accurately and, at this point, your account remains deficient.  If you wish to pay off the account, please contact us, toll-free, at ###-###-####.  We would be pleased to report your balance as paid in full, once you pay the outstanding balance.