Alejandrina Enterprises LLC

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!?

Dear Mr[redacted], MoneyKey ??" UT, Inc(“MoneyKey”) has received your complaint dated July 27, 2016, 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 August 4,
Should you have any further questions or concerns, please give us a call at [redacted] Best regards, MoneyKey

Dear Ms[redacted],
?
MoneyKey ??" MD, Inc(“MoneyKey”) has received your complaint dated October 19, 2016, 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
October 24,
Should you have any further questions or concerns, please give us a call at [redacted]
?
Best regards,
?
MoneyKey

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
Hello,My name is [redacted]My ID: [redacted]After I contacted you about the money key complaint I had, money key had been increasing the loan amount and charging my account more than twiceI've tried contacting the president's number as listed in the agreement statement only to find it falseI wasn't able to reach him since I placed the complaintInstead I keep receiving statements with increased amountsthey've called my cell, work and home multiple times and have harassed my child on the phoneI will file a police report because this is getting terrifying!According to the agreement, from 12/11/i should only have $left to payI've paid $on 12/21, and now $so I SHOULD ONLY BE LEFT WITH $377.00But money key has increased it to $769.00!!!They're taking the money out of my checking account for their own purposes!I need help! ? Please respond back,thank you

Dear Mr. [redacted],
MoneyKey – MD, Inc. (“MoneyKey”) has received your complaint dated September 21, 2016, 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 September...

27, 2016. 
Should you have any further questions or concerns, please give us a call at[redacted]
Best regards, 
 
MoneyKey

Dear Ms. [redacted], We confirm that MoneyKey – OH, Inc. has received your complaint dated March 22, 2016, through the Revdex.com (Revdex.com), 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 the Credit Services Agreement and Promissory Note signed by you are legal and compliant with both federal and Ohio State consumer lending laws. After our internal investigation, we determined that we provided you with credit services and assisted you in obtaining a loan from NCP Finance Ohio, LLC in the principal amount of $575.00 on September 4th, 2015. Please be advised that we made multiple attempts to contact you regarding your outstanding loan. Due to our inability to reach you directly from the time your loan defaulted on October 30th, 2015, your debt was sold to a third party collections agency on March 8th, 2016. Any attempts to contact you after this date were made by the agency or one of their associates, not MoneyKey – OH, Inc. We encourage you to contact the agency to discuss your account with them directly, so feel free to reach out to us should you require their contact details. Should 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 – OH, Inc. has received your complaint dated 2 March 2016 through the Revdex.com (Revdex.com), 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 the Credit Services Agreement and Promissory Note signed by you are legal and compliant with both federal and Ohio State consumer lending laws. After our internal investigation, we determined that we provided you with credit services and assisted you in obtaining a loan from NCP Finance Ohio, LLC in the principal amount of $250.00. We have also determined that the debit in question, in the amount of $73.05, was in fact processed by us as scheduled on February 26, 2016. Any delay in processing this payment through your bank account was therefore not as a result of any action or failure by MoneyKey. If you would like our further assistance with this matter, we would be happy to contact your bank on your behalf to establish the source of the delay.  Kindly note, however, that your balance of $373.05 remains outstanding and due in full.  We encourage you to contact our offices and one of our helpful Payment Solutions Advisors will be happy to assist you in coming to an amicable arrangement for the repayment of your outstanding balance. We are available at [redacted]. Best regards,

Good evening Ms. [redacted],Thank you for taking the time to discuss your Line of Credit with me.  I am happy that we were able to come to an amicable arrangement for your Line of Credit with MoneyKey.As discussed, we will be processing 3 payments of $147.00 via ACH, on January 25, 2016, February 10, 2016 and February 25, 2016. Once these payments have successfully cleared your account, MoneyKey agrees to have any remaining balance waived and close the Line of Credit as paid in full.Should you have any questions or concerns, please do not hesitate to contact myself directly at [redacted].Best regards[redacted]Tell us why here...

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,

Dear Mr. [redacted], We confirm that MoneyKey – MD, Inc. has received your complaint dated March 29, 2016, through the Revdex.com (Revdex.com), 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 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 provided. After our internal investigation, we have determined that you obtained a Line of Credit and took a draw of $600 on September 11th, 2015. 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 fees only and that 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 is issued to you prior to every payment due date.  However, since you are not fully satisfied with your Line of Credit, MoneyKey – MD, Inc. is prepared, as a one-time courtesy and having no obligation to do so, to have your remaining principal balance of $555.19 split into two payments of $277.59, to be debited on your next two pay dates. Once these payments have been posted to your account, MoneyKey agrees to have your Line of Credit, closed as paid in full. Should you have any questions, concerns or to accept the proposed settlement, I am available directly at [redacted] KINDLY NOTE that, in order to effect the proposed settlement, we require you to contact us to provide your agreement and consent. MoneyKey is unable to make any changes to your Line of Credit without your authorization. Best regards,

Dear Ms. [redacted], We confirm that MoneyKey – TX, Inc. (“MoneyKey”) has received your complaint dated April 22, 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 MoneyKey. Our findings are provided below. USEFUL INFORMATION MoneyKey – TX, Inc. is a registered Credit Access Business operating pursuant to Chapter 393 of the Texas Finance Code and a Credit Services Organization registered with the Texas Office of Consumer Credit Commissioner, with all loans made by NCP Finance Limited Partnership, an unaffiliated third party lender. For your convenience, we have attached the following: •             A link to our State of Texas Credit Access Business license; and (https://moneykey.com/licenses/Texas-CAB-state-license.pdf) •             A link to the State of Texas page on our website which clearly outlines the rates, terms and conditions; (https://moneykey.com/online-installment-loans-texas.php) A copy of your electronically signed Credit Services Agreement and Loan Agreement and Promissory Note (“Agreement”) will be sent to the e-mail address you have provided. INVESTIGATION INTO YOUR ACCOUNT First and foremost, MoneyKey is sorry to hear that you are experiencing financial hardship. We acknowledge and confirm your request not to contact you any further. A review of your account with MoneyKey confirms that you obtained an Installment Loan for the amount of $500 on February 8, 2015. The complete payment schedule was provided to you and detailed in the Agreement that you signed. This payment schedule set out your minimum payments and their corresponding due dates with an option to pay a portion of the outstanding principal balance or pay the loan in full at any time without penalty. In addition, we confirm that MoneyKey waived your fee payment of $141.91 that was due March 25, 2016. Kindly note that MoneyKey is under no obligation to waive fee payments and may do so on a once-off basis in certain circumstances, should it exercise its discretion to do so.  To this end, when you contacted us on April 20, 2016, requesting another waiver of your fee payment, we were not in a position to do so a second time. RESOLUTION MoneyKey is committed to treating consumers fairly and with respect. In this regard, and as this product did not fully meet your expectations, MoneyKey is prepared to close your account as paid in full. KINDLY NOTE THAT, in order to close your account, we require you to contact us to provide your agreement and consent. MoneyKey is unable to make any changes to your account without your authorization. Thank you for giving us the opportunity to address your concerns. We look forward to hearing from you. We can be reached at 866-252-5578 ext. 2104 or via email at [email protected]. Best regards, MoneyKey

Dear Ms. [redacted], MoneyKey has reviewed your complaint from the Revdex.com, received on February 18th, 2016, and I wanted to address it with you personally. MoneyKey takes all consumer complaints very seriously and wants to ensure that each customer is satisfied with both our products and our services....

For your convenience, please find attached the following: ·         A link to our State of Maryland Installment Loan license (which permits our 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) and ·         A copy of your electronically signed Line of Credit agreement. We understand that you are not completely satisfied with your Line of Credit of $850.00, which was funded on December 8th, 2015, however, all the fees and interest charged on this account are in accordance with all applicable state and federal laws and regulations. As a one-time courtesy to you and having no obligation to do so, MoneyKey is prepared to suspend the accrual of any further interest and fees and close your account for the current outstanding balance of $1,102.86. We can have the amount of $1,102.86 split into 6 payments of $183.81, coinciding with your upcoming pay dates. Once these payments have cleared your account, MoneyKey agrees to have your Line of Credit closed as paid in full. Should you have any questions, concerns or to accept the above noted resolution, please contact my office directly at [redacted] or by replying to this email. Best regards, [redacted]

Dear Ms. [redacted]
* MoneyKey – MD, Inc. (“MoneyKey”) has received your complaint dated May 30, 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 June 2, 2017. Should you have any...

further questions or concerns, please give us a call at 8[redacted]
* Best regards, MoneyKey

Dear Ms. [redacted],We are sorry to hear that you had an unpleasant experience with MoneyKey. We 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 payment. Our representative let you know that it was not a problem and we could stop the payment from being processed on 10/23/2015. 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 preference. Our 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 help. Please 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,
[redacted]

Dear Mr. [redacted], MoneyKey – UT, Inc. (“MoneyKey”) has received your complaint dated July 27, 2016, 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 August 4, 2016. ...

Should you have any further questions or concerns, please give us a call at [redacted] Best regards, MoneyKey

Dear Ms. Mcgovern, MoneyKey – MD, Inc. (“MoneyKey”) has received your complaint dated June 14, 2016, through the Revdex.com (Revdex.com). At MoneyKey, we care about customer feedback and we take all complaints seriously. To 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 with. For your convenience, we will send you a copy of your Line of Credit agreement to the e-mail address that you have provided. We have also included links to our website, where you will find information about your Line of Credit. MONEYKEY Kindly note that the product that MoneyKey offers in Maryland is a Line of Credit and not a loan, as stated in your complaint. State of Maryland Installment Loan license (which permits a 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 and took a draw of $600.00 on September 30, 2015. 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 clearly explained to you and agreed to. These terms and conditions included that – •             the minimum payment on your Line of Credit consists of interest, fees and a 2% contribution to the principal balance; and •             paying off the Line of Credit in full or making any contributions toward the principal balance can be done at any time and without penalty by contacting our offices directly. This information is also reflected in your signed Line of Credit agreement and on the first page of each of your Periodic Statements. Your Periodic Statements are issued to you prior to every payment due date. RESOLUTION MoneyKey is committed to treating consumers fairly and with respect and we understand that you are not completely happy with your Line of Credit. As a one-time courtesy, MoneyKey will freeze the principal balance on your account as at your last periodic statement of June 2, 2016 in the amount of $394.14. This means that – a.            any fees and interest that would otherwise have accrued on your account from June 2, 2016, until now, are waived; and b.            the outstanding principal balance of $394.14 will be split into four installments of $98.53, coinciding with your upcoming pay dates. Once these payments have been received by us, we will close your account as paid in full. Please contact us in order to effect the proposed settlement.  We are unable to make these changes to your account without your authorization. Give us a call at [redacted] We look forward to hearing from you. Best regards, MoneyKey

Dear Mr. [redacted], MoneyKey – MD, Inc. (“MoneyKey”) has received your complaint dated August 23, 2016, through the Revdex.com (Revdex.com). At MoneyKey, we are committed to consumer satisfaction and take all complaints seriously. To make sure that your concerns are fully addressed, we have...

reviewed your complaint and provided an explanation. For your convenience, we will send you a copy of your Line of Credit agreement to the e-mail address that you have provided.   We have also included links to our website, where our privacy policy and information about our Line of Credit product in Maryland is also provided.   MONEYKEY Please note that MoneyKey offers a Line of Credit product in Maryland and not a loan, as stated in your complaint. State of Maryland Installment Loan license (which permits a 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 MoneyKey’s Privacy Policy https://moneykey.com/privacy-policy.php   YOUR ACCOUNT MoneyKey confirms that you obtained a Line of Credit and took a draw of $675.00 on August 19, 2016. The information gathered during the origination of your Line of Credit is solely used for the purpose of approving your application and legal obligations. We confirm that all your personal information provided by you is confidential, secure and is used strictly for business purposes.    For more information about MoneyKey’s privacy policy, please follow the link provided above.   In addition, MoneyKey’s Customer Care phone number is [redacted] and is 100% operational. Any difficulties attempting to reach our office at this number would be a result of a network or service provider issue and not that of MoneyKey.   For your reference, our Customer Care hours of operation are the following:   ·        Monday - Friday: 8:00 am - 9:00 pm EST ·        Saturday: 9:00 am - 7:00 pm EST ·        Sunday: 11:00 am - 7:00 pm EST     MoneyKey is a state-licensed lender; we assure you that any information you, or any consumer, provides us is used for legitimate business purposes. Should you have any further questions or require any further information, please give us a call at [redacted]
  Best regards,   MoneyKey

Dear Ms. [redacted],  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 – TX, Inc. (“MoneyKey”) has received your complaint dated December 19, 2016, through the Revdex.com (Revdex.com). MoneyKey takes all claims of fraudulent activity very seriously and would like to assist you in having this account resolved and closed. To begin this...

process, MoneyKey requires an Identity Theft Report to be filed with your local police station. Once a copy of the police report has been received, along with the contact information for the filing police officer, MoneyKey will have this account closed due to fraud and have any derogatory marks related to this account (if any) removed from your Consumer Credit Report. At that point, MoneyKey will provide all the information provided during the application process to the local police department, in order to assist with their investigation. Please be advised that this same police report can be provided to any other creditors who may be pursuing a fraudulent debt opened by the same parties. We would be happy to discuss this account with you further and address any additional concerns you may have. Please contact our office directly at [redacted] to discuss this matter further. Best regards, MoneyKey