AAA Community Finance

The pre-approval is based on the information we received on the original application If information is verified to be different than the application it will affect the final approval On the application we received that the customer does not have any Military affiliation Unfortunately, it was determined that the customer is part of the army reserves The Federal Government prevents us from offering our loan products to customers with Military affiliation

Complaint: [redacted] I am rejecting this response because: The information is correct, My application stated I was an Army ReservistI am not on any active duty orders for more than daysThe Federal law does not prohibit loans, it provides special protections for Active Duty MilitaryI am not an ACTIVE DUTY Military Service member Sincerely, [redacted]

We spoke to Ms [redacted] about the issue she was having on her account and were able to resolve to both of our satisfactions Thank you

We spoke to Ms [redacted] on 1/3/ She understood that her due date was on 12/29/17, which was the day the payment was pulled The confusion was, her due dates land on Monday's, but Monday was a Holiday so the due date per the original signed contract was set on 12/29/ To accommodate the situation we came to a mutually beneficial agreement Ms [redacted] is happy with the result

Initial Business Response / [redacted] (1000, 5, 2015/12/11) */ Contact Name and Title: [redacted] Contact Phone: XXXXXXXXXX Contact Email: [redacted] @aaacommunityfinance.com I spoke with [redacted] on 12/10/in regards to her cash advanceAfter discussion of the account we came to a mutually beneficial conclusion that satisfied the company and Ms [redacted] If you need any other information, please contact us

Ms [redacted] took out a loan for $on 12/02/ The legal binding agreement signed is for a year installment loan with monthly minimum payments The total paid if the loan was held out for an entire year would be $1, However, this loan can be paid off at anytime and only interest due will be charged This is explained thoroughly at the inception of every loan and on the agreementIf Ms [redacted] wishes to pay the loan off and save on interest, please have her call the store for the current payoff amount

This is [redacted] 's second loan with our company All loan products have a contract length of one year This information is included in the Federal Truth in Lending Box, and the Amortization Schedule Both documents were reviewed and signed by [redacted] The current loan was taken on May 24, 2016, and the Maturity date is May 19th, A copy of the loan paperwork is given at the time of the loan at the store location, and an additional copy can be picked up at the store location during our business hours

[redacted] applied for a loan on 10/13/ It was approved on 10/13/and her funds were to be deposited on 10/14/ Unfortunately, the bank account supplied to us on her application was incorrect, thus the funds never got to her account Since 10/14/was a Friday the funds would not be returned back to us until Monday 10/17/ We received the funds back on 10/17/and voided her loan We spoke to [redacted] and she was still interested in receiving the funds, so the new agreement was setup with the updated banking information and released on 10/17/ [redacted] received her money on 10/18/and is happy with the service.If you have any questions let me know.Thanks,***

The overdraft was credited to her account per our original discussion on the phone

Initial Business Response /* (1000, 5, 2016/03/05) */
Contact Name and Title: *** *** General Mgr
Contact Phone: XXXXXXXXXX
Contact Email: ***@aaacommunityfinance.com
Ms*** was approved for a $cash advance on 2/4/The amount she requested was less than her credit limit,
so she could take further credit if desired
On 3/2/16, Ms*** inquired about paying off and getting additional fundsHer pay off was $and her credit limit was $As a result of the credit limit being below the pay off she decided she did not want to proceedCurrently, she has made no payments and is past duePlease have her contact us so we can clear this up

We spoke to Ms*** on 12/after this complaint was submitted. She had never contacted Corporate about the issue prior to us calling her. We reviewed her contract with her and her due date was in fact today, 12/29, according to her original signed contract. That is why the
payment was processed. The confusion came in, because normally she makes payments on Mondays, however, this coming Monday is a banking holiday so the due date was Friday per the agreement. We are able to come to a mutually beneficial agreement to accommodate the situation

Initial Business Response /* (1000, 5, 2015/06/10) */
Contact Name and Title: *** ***
Contact Phone: XXXXXXXXXX
Contact Email: ***@aaacommunityfinance.com
Ms*** *** applied online on after business closing timeOur representative assisted her the following day
Once our
representative informed Ms*** that her application was denied, Ms*** unsubscribed from receiving electronic communicationsAs a result, we could not email Ms*** her denial letterMs*** denial letter has been handled through land mail and was sent on 6/09/to her mailing address on file
Initial Consumer Rebuttal /* (3000, 7, 2015/06/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was never informed I was denied until I called them hours laterI continued emailing, asking someone to respond to me and no one wouldPoor customer serviceOnce I called back, someone other than who I was forced to deal with the first time "***" told me I was denied and she didn't know whyAgain, poor customer serviceI wouldn't recommend this place to my dog

This complaint is in regards to H.E.R.R LTD DBA AAA Community Finance I This company has closed and is no longer in business The records show the last payment he made was on 5/13/and his account has been closed since 6/25/ No contact has been attempted since that date
*** submitted a complaint with the Illinois Attorney General in 2016, and H.E.R.R agreed to refund $5, This money was sent to the Illinois Attorney General I suggest he contacts the Illinois Attorney General if he has not received these funds from them

On 1/26/Melody *** applied for a cash advance through us She used an address in Chicago, Illinois We called her cell phone times She then called into us telling us not to call her again We have not called her since.We are licensed to do business in Illinois and
have no way knowing she is from a different state as the way the application was filled out it says Chicago, Illinois No further contact will be made to Melody

I spoke with Ms* *** about her complaint on 8/22/16. We came to mutually beneficial agreement that satisfied Ms*** Thank you, *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
I spoke with *** and she handled everythingShe really took care of me. Thank you *** ***

Initial Business Response /* (1000, 5, 2016/03/01) */
Contact Name and Title: *** *** General Mgr
Contact Phone: XXXXXXXXXX
Contact Email: ***@aaacommunityfinance.com
Ms***'s loan was approved on November 16th, for $At that time the contract was explained thoroughly
and she was given a chance to ask any questionsShe made her first payments on time for $She missed her 7th payment and is currently past dueThese payments are in line with the original legal binding contract that she signed on November 16th, If she would like to review the contract again we can send her another copy

Mr*** was approved for a $cash advance on which he signed a wage assignment. He has not made a payment since March 3rd, 2016. We have been reaching out to him to come up with a mutually beneficial agreement since April 12th. We spoke with him on April 27th and he
agreed to a repayment plan. However, we have not heard from him sincePlease have Mr*** reach out to us to come to an agreement He can reach me at *** Thank you, *** ***

Initial Business Response /* (1000, 7, 2015/12/04) */
We are in receipt of Ms. [redacted]'s complaint against AAA Community Finance in Alton IL.
Our field manager has been in contact with Ms. [redacted] regarding this matter and has come to a mutually agreeable conclusion.
If you need any other...

information, please contact us.

Initial Business Response /* (1000, 5, 2015/12/11) */
Contact Name and Title: [redacted]
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@aaacommunityfinance.com
I spoke with [redacted] on 12/10/15 in regards to her cash advance. After discussion of the account we came to a mutually...

beneficial conclusion that satisfied the company and Ms. [redacted].
If you need any other information, please contact us.