Alejandrina Enterprises LLC

Dear Ms [redacted] ,MoneyKey ?" TX, Inc(“MoneyKey”) has received your complaint dated October 24th, 2017, through the Revdex.com (Revdex.com).We are glad that we were able to resolve this matter with you directly and address your concerns as per our e-mail response dated November 3rd, Should you have any further questions or concerns, please give us a call at [redacted] Best regards, MoneyKey? ? ?

Good afternoon Ms [redacted] ,My name is [redacted] , Director of Payment Solutions at MoneyKeyYour Revdex.com complaint was escalated to my attention and I wanted to take an opportunity to discuss it with you personally.First and foremost, we take all customer complaints extremely seriously and want to ensure our customers are satisfied with both our products and services.We are sorry to hear that you are not satisfied with your MoneyKey Line of CreditAs a courtesy, we would like to have your account balance frozen at $394.72, which is your initial balance of $minus your payments totaling $We can have this split into payment of $125.28, coinciding with your next pay datesOnce these payments have been satisfied, we will have your Line of Credit closed as paid in full.If you would like to accept the proposed payment arrangement or should you want to discuss your account further, kindly contact my office directly at [redacted] ***or by replying to this email.Best regards, [redacted]

Dear Ms [redacted] , MoneyKey – OH, Inc(“MoneyKey”) has received your complaint dated February 2, 2017, through the Revdex.com (Revdex.com)At MoneyKey, we are committed to consumer satisfaction and take all complaints seriouslyTo make sure that your concerns are fully addressed, we have reviewed your complaint and investigated your account thoroughlyWe acknowledge your revocation of ACH authorization and will not process any further payments through your bank account on fileAs per your request, going forward, we will only contact you via US postal mail or emailFor your convenience, we will send a copy of your Credit Services and Loan Agreement to the e-mail address that you have providedMONEYKEY – SINGLE-PAY LOAN Further to your complaint, to clarify, MoneyKey is not a direct lender in OhioMoneyKey is licensed as an Ohio Credit Services Organization (License Certificate NoCS.900134.000) pursuant to the Ohio Credit Services Organization Act NCP Finance Ohio, LLC is the third-party lender that provided you with your Single-Pay loan of $on October 5, 2016, and the loan is compliant with all applicable law As a Credit Services Organization, MoneyKey arranged the loan and is responsible for the ongoing servicing of the loanMoneyKey and NCP Finance Ohio, LLC are not affiliatesFor your reference, we have included links to our website, where information about our Single-Pay loan in Ohio is also providedState of Ohio Credit Services Organization license [redacted] Rates, terms and conditions of loan [redacted] The terms of the Single-Pay loan were explained to you on entering the agreement, please find below a summary of key terms: · new customers are charged a fee of $for every $of principal outstanding along with the third-party Lender Interest of 24.9% per year; · the loan is payable in full on your due date (unless you chose to refinance); and · paying off the loan in full or making any additional contributions toward the outstanding principal balance can be done at any time and with no additional cost by contacting our office directly YOUR ACCOUNT MoneyKey confirms that to date, you have made payments towards the principal in the amount of $This reduced the outstanding principal balance from $to $For further reference, we will send a transaction history which itemizes each transaction on your loan with us, to the e-mail address that you have providedPROPOSED RESOLUTION MoneyKey is committed to treating consumers fairly and with respect and we understand that you are not completely satisfied with your loanAs a one-time courtesy, MoneyKey is prepared to freeze the principal balance on your account as at your last due date of January 31, 2017, in the amount of $This means that – a any fees and interest that would otherwise have accrued on your account from January 31, 2017, until now, are waived; and b the outstanding principal balance of $will be split into three (3) installments of $150.00, coinciding with your upcoming pay datesOnce these payments have been received by us, we will close your account as paid in fullAt this time, we would require you to contact our office at [redacted] to accept this offer and to provide us with an alternate payment method as we are unable to make these changes without proper authorizationBest regards, MoneyKey

Dear Ms [redacted] , MoneyKey – VA, Inchas received your complaint dated February through the Revdex.com (Revdex.com), and has conducted an internal investigation regarding both your complaint and your accountWe take all complaints seriously and wanted to take the opportunity to discuss your complaint with youAfter our internal investigation, we determined that you obtained a line of credit on May 4th, On June 2nd, 2015, you advised us that our records did not correctly reflect the dates on which you receive your incomeIn order to correct the issue, we asked you for validation of the dates on which you receive your income, either by way of a bank verification or by providing us with a copy of your bank statement, which you failed to doWe made multiple attempts to resolve your query, all of which were unsuccessful as you indicated that you were unwilling to repay this line of credit Your line of credit account subsequently defaulted on July 1st, The account, on which MoneyKey – VA, Incwaived all outstanding fees and interest, and which consequently comprised only your outstanding principal balance, was then assigned to a third party collections agencyWe contacted the third-party collections agency currently handling your account and established that the agency, rather than MoneyKey –VA, Inc., made the telephone call referred to in your complaintWe also understand that you have agreed to a payment arrangement with this agencyShould you need any further assistance with the resolution of this matter, kindly contact our office directly at [redacted] Best regards, [redacted]

Dear Mr. [redacted] We confirm that MoneyKey - MD, Inc. has received your complaint dated 29 February 2016 through the RevDex.com (BBB), and has conducted an internal investigation regarding both your complaint and your account. We take all complaints seriously and wanted to take the... opportunity to discuss your complaint with you. Kindly note that MoneyKey – MD, Inc. is licensed to operate in the State of Maryland and that the Line of Credit Agreement signed by you is legal and complaint with both federal and Maryland State consumer lending laws. For your convenience, we have provided the following: · A link to our State of Maryland Installment Loan license (which permits a Line of Credit product); (https://moneykey.com/licenses/Maryland-state-license.pdf) · A link to the State of Maryland page on our website which clearly outlines the rates, terms and conditions; (https://moneykey.com/online-line-of-credit-maryland.php) and · A copy of your electronically signed line of credit agreement has been sent to the e-mail address provided in your complaint. After our internal investigation, we have determined that you obtained a line of credit and took a draw of $400 on February 5th, 2016 and took a second draw of $200 on February 18th, 2016. We reviewed your call with our team at the time that your Line of Credit was originated and confirm that the terms and conditions of your Line of Credit were clearly explained to you. In addition, the 2% principal pay down is clearly indicated in your Line of Credit Agreement and on the first page of each Periodic Statement that is issued to you prior to every payment due date. Additional contributions may be made toward the principal balance at any time by contacting our offices directly, and we encourage you to contact us to do so. However, if you are not fully satisfied with your Line of Credit, please contact our offices to discuss the options available to you to have your Line of Credit closed as paid in full. I am confident that we can reach an amicable resolution. Should you have any questions, concerns or to discuss the options available to you, we are available directly at [redacted] Best regards, [redacted]

Dear Ms [redacted] We confirm that MoneyKey – MD, Inchas received your response dated April through the Revdex.com (Revdex.com) websiteAs detailed in our initial response to you, dated January 29, 2016, we were happy to provide you with the proposed settlement for your loan, however, we require a response from you accepting the settlement arrangementMoneyKey is unable to make any changes to your Line of Credit without your authorizationMoneyKey will honor the offered settlement of $In addition, we agree to subtract payments made to the Line of Credit after January 29, 2016, which total $623.77, leaving a remaining settlement amount is $this amount can be split into equal payments of $124.29, coinciding with your pay datesIf you would like to accept this settlement arrangement, please contact my office directly to authorize this changeI am available directly at [redacted] We look forward to hearing back from youBest regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Please give me till Tuesday of this October 2015, I will have my wife send our files of the money you loaned us and what we have paid so far, iam merely asking for assistance, in paying this down also due to the unfortunate circumstances in my buget and home at this timeThank you As I've previously explained, I've not heard a word fro money key until last month, in September 2015, were I was only threatened that, I was being sued? I had already paid off my previous loan! That's how I got a new loan of $not 600! Iam out of state with work at this time the best way of communicating with me is thru emailIam happy to pay of my loan with No penaltys at $evey two weeks till this is paid off, due to my wife, having an accident this is the best I can do at this point! I do want to forfill my obligation and then never barrow from money key again

Dear Ms [redacted] , MoneyKey ?" MD, Inc(“MoneyKey”) has received your complaint dated December 16, 2016, through the Revdex.com (Revdex.com)At MoneyKey, we are committed to consumer satisfaction and take all complaints seriouslyTo make sure that your concerns are fully addressed, we have reviewed your complaint, investigated your account and provided a resolutionWe have also included links to our website, where information about our Line of Credit product in Maryland is also provided? MONEYKEY Please note that MoneyKey offers a Line of Credit in MarylandOur product complies with the requirements for open-end credit of Maryland Code Commercial Law Title Credit Regulations Subtitle Credit Grantor Revolving Credit ProvisionsBelow are the links to our ? State of Maryland Installment Loan License and the rates, terms and conditions of the Line of Credit State of Maryland Installment Loan license (which permits our Line of Credit product) ? https://moneykey.com/licenses/Maryland-state-license.pdf Rates, terms and conditions of the Line of Credit ? https://moneykey.com/online-line-of-credit-maryland.php ? YOUR ACCOUNT MoneyKey confirms that you obtained a Line of Credit with a credit limit of $and drew the full amount on November 22, 2016.? Please note that there have been no unsuccessful payments on your Line of Credit account We reviewed the call that was made at the time that your Line of Credit was originated and confirm that the terms and conditions were explained to youThese terms and conditions included that ?" •? ? ? ? ? ? ? ? ? the line of credit accrues interest charged at a rate of 0.06575% per day, calculated on the average daily principal balanceThe corresponding annual percentage rate (APR) is 24%;? ? •? ? ? ? ? ? ? ? ? the account will accrue a draw fee equal to 10% of the amount of the withdrawal, which is only applied after a draw is taken; ? •? ? ? ? ? ? ? ? ? bi-weekly paid customers will be charged a Minimum Account Charge of $for each $of their Average Daily Principal Balance as calculated at the close of each billing cycle; and ? •? ? ? ? ? ? ? ? ? included in each minimum payment is a 5% contribution toward reducing the principal outstanding? Please note our records do not indicate that you requested a paper copy of your documents? Since we are an online lender, our primary method of communication is electronicHowever, any documents are available in writing per your requestWe will be happy to provide you with a copy of your Line of Credit agreement to the mailing address that you have providedIf you’d like paper copies of your statements as well, please let us knowREPAYMENT ON YOUR LINE OF CREDIT Your MoneyKey Line of Credit provides you the flexibility to pay in full according to your feasibilityYou decide the length of time the balance remains outstanding for and you are able to pay off your Line of Credit at any time, without penaltyPlease note that the repayment of your Line of Credit does not consist of a payment scheduleYou are sent a periodic statement prior to your due date which details the minimum payment amountEach minimum payment consists of: 1)? ? ? ? ? The minimum charge, which is calculated at $on every $based on the average daily principal Balance; ? 2)? ? ? ? ? Interest, which is calculated at 24% per annum (0.06575% per day) based on the average daily principal balance; ? 3)? ? ? ? ? Draw Fees, which is only applied when a draw is made and is assessed at 10% of the withdrawal amount; and ? 4)? ? ? ? ? A 5% principal contribution, which is based on the average daily principal balance? These fees are detailed on your periodic statement, which includes the due date of your minimum payment MoneyKey encourages you to make additional payments over and above your minimum payment in order to reduce your principal balance owing which will then minimize your fees and interest chargesAs a result, your minimum payment will continue to decrease on each due date, given that you do not draw more funds? ? RESOLUTION ? MoneyKey is committed to treating consumers fairly and with respect and we understand that you are not completely satisfied with your Line of CreditWe thank you for your feedback as we are continuously working to improve our communication and apologize if you were not aware of how the repayment on your account worksAs a one-time courtesy, MoneyKey will freeze the balance on your account as at your first statement date of December 2, 2016, in the amount of $This means that ?" a.? ? ? ? ? ? ? ? any fees and interest that would otherwise have accrued on your account from December 2, 2016, until now, are waived; and b.? ? ? ? ? ? ? ? the outstanding balance of $will be split into four (4) installments of $163.37, coinciding with your upcoming pay dates Once these payments have been received by us, we will close your account as paid in fullPlease contact us in order to affect the proposed settlement.? We are unable to make these changes to your account without your authorizationYou can call us at [redacted] We look forward to hearing from youBest regards, MoneyKey ?

Dear Mr [redacted] , MoneyKey – MD, Inc(“MoneyKey”) received your complaint dated May 31, 2016, through the Revdex.com (Revdex.com)At MoneyKey, we care about customer feedback, so we take all complaints seriouslyTo make sure that your concerns are fully addressed, we have reviewed your complaint, investigated your account and provided a resolution that we think you will be happy withWe have also included some information that may be useful to youKindly note that the product that MoneyKey offers in Maryland is a Line of Credit and not a loanUSEFUL INFORMATION INFORMATION ACCESS State of Maryland Installment Loan license (permits a Line of Credit product) https://moneykey.com/licenses/Maryland-state-license.pdf Rates, terms and conditions of Line of Credit https://moneykey.com/online-line-of-credit-maryland.php Your electronically signed Line of Credit agreement To be sent to you by e-mail INVESTIGATION INTO YOUR ACCOUNT MoneyKey confirms that you obtained a Line of Credit and took a draw of – $on May 25, 2016; and $on May 26, We reviewed the call that was made when your Line of Credit was opened During this call, the terms and conditions of the Line of Credit product were clearly explained to you and agreed toThese terms and conditions include that – the minimum payment on your Line of Credit includes interest, fees and a 5% contribution to the principal balance; and you can pay off the Line of Credit or make contributions toward the principal balance at any time and without penalty, by contacting our officesEven where you make your minimum payments bi-weekly, as stated in your complaint, the minimum payment will still include the fees and 5% principal contribution, together with the interestThe terms and conditions are also reflected – in your signed Line of Credit agreement; and on the first page of each of your Periodic StatementsYour Periodic Statements are sent to you before every payment due dateRESOLUTION MoneyKey understands that you are not completely happy with your Line of Credit productWe are prepared to freeze the balance on your account as at your most recent periodic statement of June 3, 2016, in the amount of $This means that – a any fees and interest that have accrued on your account from June 3, 2016, are waived; and b $will be debited in full on your next due date of June 17, Once we receive this payment of $1237.21, we will close your Line of Credit as paid in fullPlease contact us in order to effect the proposed settlement We are unable to make any changes to your account without your authorizationYou can give us a call at [redacted] Thank you for giving us the chance to help youWe look forward to hearing from youBest regards, MoneyKey

Dear Ms***,We are sorry to hear that you had an unpleasant experience with MoneyKeyWe pride ourselves on our worldclass customer service and are disapointed to learn that you didn't feel we provided our intended level of service.Our records indicate that you called in to our office to advise that you were not going to be able to make your next paymentOur representative let you know that it was not a problem and we could stop the payment from being processed on 10/23/We then believe that he advised you that you are still responsible for the payment and as a courtesy, he could either double up her next payment or split the missed payment in two and process them on your next two due date if that was your preferenceOur notes indicate that you appreciated the help and would like a call back after your scheduled due date to ensure 1) the payment was not processed and 2) discuss how you will make up the missed payment.Our represenatative indicated that it was a pleasant conversation and that you was very grateful for the helpPlease kindly let us know if you need anything else or if we can be of service in any other way.Warm regards and thank you for being a customer

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards,

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is unsatisfactory to me Regards, [redacted]

Dear Mr [redacted] , We confirm that MoneyKey ?" MD, Inc(“MoneyKey”) has received your complaint dated April 19, 2016, through the Revdex.com (Revdex.com)We take all complaints seriously and assure you that we have conducted a thorough internal investigation into your complaint and your account with MoneyKeyOur findings are provided belowUSEFUL INFORMATION For your convenience, we have provided the following: A link to our State of Maryland Installment Loan license (which permits a Line of Credit product); (https://moneykey.com/licenses/Maryland-state-license.pdf) A link to the State of Maryland page on our website which clearly outlines the rates, terms and conditions for our Line of Credit product; (https://moneykey.com/online-line-of-credit-maryland.php) A copy of your electronically signed Line of Credit agreement will be sent to your e-mail address providedINVESTIGATION INTO YOUR ACCOUNT A review of your account with MoneyKey confirmed that you obtained a Line of Credit and took a draw of $on October 26, As part of our investigation, we reviewed the call that was made at the time that your Line of Credit was originated and confirm that the terms and conditions of the Line of Credit were clearly explained to you and that you agreed to these terms and conditions.? These terms and conditions included that ?" the minimum payment consists of interest, fees and a 2% contribution to the principal balance; andadditional contributions may be made toward the principal balance at any time by contacting our offices directly This information is also reflected in your Line of Credit agreement and on the first page of each of your Periodic Statements, which are issued to you prior to every payment due date RESOLUTION We confirm that on April 18, 2016, our team agreed to settle your account by ?" 1.? ? ? freezing your balance as at April 15, 2016; 2.? ? ? waiving all interest and fees accrued after April 15, As we received the remaining payment on the reduced amount due, your account is now considered closed as paid in fullMoneyKey is committed to treating customers fairly and with respect and, to this end, while we are sorry to hear that you were not satisfied with our product, we are glad that we were able to assist you with settling your accountThank you for giving us the opportunity to address your concerns Should you have any further questions, please do not hesitate to contact our offices directly at [redacted] Best regards, MoneyKey

Dear Ms [redacted] , We confirm that MoneyKey – MD, Inc(“MoneyKey”) has received your complaint dated April 18, 2016, through the Revdex.com (Revdex.com) We take all complaints seriously and assure you that we have conducted a thorough internal investigation into your complaint and your account with MoneyKeyOur findings are provided below USEFUL INFORMATION For your convenience, we have provided the following: • A link to our State of Maryland Installment Loan license (which permits a Line of Credit product); (https://moneykey.com/licenses/Maryland-state-license.pdf) • A link to the State of Maryland page on our website which clearly outlines the rates, terms and conditions for our Line of Credit product; (https://moneykey.com/online-line-of-credit-maryland.php) A copy of your electronically signed Line of Credit agreement will be sent to the e-mail address you have provided INVESTIGATION INTO YOUR ACCOUNT A review of your account with MoneyKey confirmed that you obtained a Line of Credit and took a draw of $on November 5, As part of our investigation, we reviewed the call that was made at the time that your Line of Credit was originated and confirm that the terms and conditions of the Line of Credit were clearly explained to you and that you agreed to these terms and conditions These terms and conditions included that – · the minimum payment consists of interest, fees and a 2% contribution to the principal balance · additional contributions may be made toward the principal balance at any time by contacting our offices directly This information is also reflected in your Line of Credit agreement and on the first page of each of your Periodic Statements, which are issued to you prior to every payment due date CALCULATING THE BALANCE On your Periodic Statements, the calculation of the outstanding balance includes interest and fees accrued during the previous billing cycle, up to the Statement Date This means that, in your particular case, the balance of $reflected on your Periodic Statement of April 6, 2016, included interest and fees accrued up to April 6, In order to close your account, you would be required to pay your account in full to a zero-dollar balanceIn your case, if you were to close your account on any day AFTER April 6, 2016, you would have to pay the outstanding balance as reflected on your Periodic Statement of that date, being April 6, 2016, PLUS any interest and fees accrued between April 6, and the date on which you would pay your account in full RESOLUTION MoneyKey is committed to treating consumers fairly and with respectAs you are not fully satisfied with your Line of Credit product, MoneyKey is prepared, as a one-time courtesy, to – freeze your balance as at April 6, 2016, in the amount of $569.76; credit this balance with the payment made on April 20, in the amount of $89.32; waive all interest and fees accrued after April 6, If you choose to accept this settlement, your remaining principal balance will be $480.44, which will be split into four payments of $120.11, to be debited on your next four pay datesOnce these payments have been posted to your account, MoneyKey will have your Line of Credit closed as paid in full KINDLY NOTE THAT, in order to effect the proposed settlement, we require you to contact us to provide your agreement and consentMoneyKey is unable to make any changes to your Line of Credit without your authorization We can be reached at [redacted] or via email at [email protected] Thank you for giving us the opportunity to address your concernsWe look forward to hearing from you Best regards, MoneyKey

Dear Ms***,? MoneyKey ?" MD, Inc(“MoneyKey”) has received your complaint dated August 29, 2017, through the Revdex.com (Revdex.com).? We are glad that we were able to respond to you directly and address each of your concerns as per our e-mail dated September 7, 2017.? Should you have any further questions or concerns, please give us a call at [redacted] ? Best regards, ? MoneyKey

Dear Mr [redacted] , ? MoneyKey ?" OH(“MoneyKey”) has received your review dated September 26, 2017, through the Revdex.com (Revdex.com)At MoneyKey, we are committed to consumer satisfaction and take all complaints seriouslyOur records indicate that your information was used to obtain a loan in the amount of $on June 27, A scheduled payment on July 15, in the amount of $was not processed, resulting in default of the loanFrom July 19, onwards, we made multiple attempts to contact the phone number and e-mail address on file in order to resolve the outstanding balanceThese attempts were unsuccessfulAs a result, the debt was subsequently sold to Debt Management Partners, LLC, on November 11, If you did not apply for the aforementioned loan, we require that you contact your local police department to complete a report for Identity Theft and have the completed police report sent to us at [email protected] will provide a copy of that report to Debt Management Partners, LLCIn the meantime, we have made Debt Management Partners, LLC aware of your concerns to ensure no collections activity takes place on the account in questionShould you have any questions or require any additional information, please do not hesitate to contact Debt Management Partners, LLC at [redacted] ?

MoneyKey – TX, Inc(“MoneyKey”) has received your complaint dated March 21, 2017, through the Revdex.com (Revdex.com)We are glad that we were able to settle this matter with you directly and address each of your concerns as per our telephonic discussion on March 27, Should you have any further questions or concerns, please give us a call at [redacted] Best regards, MoneyKey

Dear MrWillis:We are sorry to hear and apologize for the negative experience that you had with MoneyKeyAs a company that is know for and prides itself on outstanding customer service, it was such an anomaly for the process and experience to go so wrong for you.? Please accept our sincere apologies and we hope to be able to serve you in the future.? Happy Holidays!?

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.What will be done so this does not happen again? As far as my accountI will accept the payments only if they apply a courtesy discount for having to go through the Revdex.com instead of them answering me directly when I asked for an explanation
Regards,

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 did speak with MoneyKey and they provided a solution that I was happy with
Regards,
*** ***