Alejandrina Enterprises LLC

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.

Problem:Hello, I submitted a complaint via the Revdex.com site on 01/21/16, id# [redacted] against this Business and I received a reply from them stating that as a one time courtesy to me, they would suspend all accrual interest and fees and close my account for the outstanding balance of $1120.94 They said that they would split the above amount up into 6 payments of $186.77 coinciding with my upcoming pay dates. They said once my payments has cleared my account that they agreed to have my line of credit closed as paid in full. I received this response from them on 02/03/16. This has not happened. I have my bank statements showing that they have been taking different amounts from my account and I am still being charged interest and fees. Can someone please contact me about this . Thanks. I have copies of my statements if I need to present themTranslate   Desired Outcome:I need this corrected. So far they have taken $ 623.77 from my account, which means I only owe $497.17 more if my balance was $1120.94, nothing more , nothing less. The statement they sent me on 03/25/16 says my balance is $945.48. Clearly im still being charged interest/fees. please HELP!!!!!

Dear Mr. [redacted],   We confirm that MoneyKey - MD, Inc. has received your complaint dated March 17th, 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) and 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 August 13th, 2015 and took a second draw of $270 on December 4th, 2015.   At the time that your Line of Credit was originated, you agreed to the terms and conditions of the Line of Credit.  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, and we encourage you to contact us to do so. 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 $476.83 split into four payments of $119.20, to be debited on your next 4 pay dates. Should you have any questions, concerns or to accept the proposed settlement, I am available directly at [redacted] Best regards,

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. I have attached the agreement the business and I reached for your records.
Regards,

Dear Mr. [redacted],  MoneyKey – MD, Inc. (“MoneyKey”) has received your complaint dated August 2, 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 August 11, 2017.  Should...

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

Dear Ms. [redacted], Thank you for your response dated May 23, 2016, received through the Revdex.com’s (Revdex.com) online portal. MoneyKey – MO, Inc. (“MoneyKey”) agrees to settle your Line of Credit account for $1,663.82.  This amount will be split into nine installments, comprising eight installments of $200.00 and a final installment of $63.82. Kindly note that this payment arrangement will be effective from May 31, 2016, with all subsequent payments coinciding with your pay dates. Please contact our offices to provide us with your method of payment, as our records show that your bank account on file has been closed. Once all payments have been received, MoneyKey agrees to have your Line of Credit closed as paid in full. Should you have any further questions or concerns, we can be reached at [redacted] We look forward to hearing from you. Best regards, MoneyKey

Dear Ms. [redacted], MoneyKey – MD, Inc. ("MoneyKey") has received your complaint dated July 18, 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 July 27, 2016. ...

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

Good afternoon Ms. [redacted],My name is [redacted], Director of Payment Solutions at MoneyKey. Your 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 Credit. As a courtesy, we would like to have your account balance frozen at $394.72, which is your initial balance of $751.91 minus your payments totaling $375.85. We can have this split into 3 payment of $125.28, coinciding with your next 3 pay dates. Once 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]

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 time. Thank 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 $500 not 600! Iam out of state with work at this time the best way of communicating with me is thru email. Iam happy to pay of my loan with No penaltys at $50.00 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.

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]

Good afternoon Ms. [redacted],My name is [redacted], Director for Payment Solutions at MoneyKey. Your complaint from the Revdex.com was escalated to my office and I wanted to take this opportunity to discuss it with you directly.Please be advised that we take all complaints extremely seriously and want...

to ensure that all of our customers are happy with our products and services.I have reviewed all of the email correspondence between yourself and our Payment Solutions team. Notwithstanding the information gathered from my internal investigation, I can see that you are experiencing some financial difficulties and I would like to assist you with this loan. Your current outstanding balance is $469.50. As a courtesy and under no obligation to do so, we have waived this balance. MoneyKey now considers your loan closed as paid in full and releases you of any and all liability for the remaining balance.We trust that this is a satisfactory resolution. Should you have any questions or concerns, please feel free to contact myself directly at [redacted] or by replying to this email.Best regards,[redacted]

Dear Ms. [redacted],My name is [redacted], Director of Payment Solutions with MoneyKey. Your Revdex.com complaint was escalated to my office and I wanted to take an opportunity to speak with you directly. We ar e sorry to hear that you are unsatisfied with your loan and feel that you were misled...

when the loan was originated. We take all customer complaints very seriously and are currently investigating this account to determine the source of confusion. We want to ensure that all loans are clearly explained  and ensure the terms and conditions are fully understood. As a courtesy, MoneyKey agrees to having all 3 payments you made totalling $352.04 ($116.98 on 9/4/2015, $117.53 on 9/18/2015 and $117.53 on 10/2/2015) applied to the sum of your principal balance and your first finance fee totalling $516.98 ($400 + $116.98). MoneyKey will consider your loan paid in full for one final payment of $164.94. Once this payment clears, we will have your loan closed as paid in full and will release you of any and all liability for any remaining balance. To accept this proposed resolution or to discuss this account further, kindly contact myself directly at [redacted].  Best regards,[redacted]

Good afternoon Ms. [redacted],My name is [redacted], Director of Payment Solutions at MoneyKey. Your 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 currently conducting an internal investigation into the source of the reported issues.We have determined that there was an error with your statement issued on December 11th, 2015, which was communicated to you via email. Your payment made on December 10th, 2015 was shown as a delinquent payment, instead of being applied to your balance, which resulted in the increased balance shown on your periodic statement. We are working diligently to have this issue resolved as quickly as possible.As a courtesy, we would like to have your account balance frozen at $588.00, which is your initial balance of $749.52 minus your most recent payment of $161.52. We can have this split into 4 payment of $147.00, coinciding with your next 4 pay dates. Once 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],
 
We confirm that MoneyKey – OH, Inc. has received your
complaint dated March, 11, 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 $275.00 on October 9th, 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 22nd, 2015, your debt was sold to
Plaza Services on February 4th, 2016. Any attempts to contact you after this
date were made by Plaza Services or one of their associates, not MoneyKey – OH,
Inc. We encourage you to contact Plaza Services to discuss your account with
them directly. Plaza Services are available at [redacted]
 
Should you need any further assistance with the resolution
of this matter, kindly contact our office directly at [redacted]
 
 
Best regards,

Dear Ms. [redacted], MoneyKey – MD, Inc. (“MoneyKey”) has received your complaint dated July 29, 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 for you. 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 information about our Line of Credit product in Maryland is also provided.   MONEYKEY Kindly note that the product that MoneyKey offers in Maryland is a Line of Credit and not a cash loan, as stated in your complaint. 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 and took a draw of $650.00 on June 22, 2016. Please note that there has been one successful payment made on your account, and not two, as stated in your complaint. This payment was the minimum payment due and was made in the amount of $196.83 on July 22, 2016. For your convenience, we have attached a copy of your transaction history, which itemizes each transaction on your Line of Credit. CALCULATING THE MINIMUM PAYMENT To provide clarity on how the minimum payment of $196.83 was calculated, please find below a detailed breakdown: CHARGE AMOUNT 5% Principal contribution $32.50 Interest (charged at the rate of 0.06575% per day for 18 days) $7.25 Minimum Charge ($15.00 per $100.00 outstanding) $92.08 10% Draw Fees $65.00 TOTAL $196.83   For your first payment that was due on July 22, 2016, the daily interest (charged at the rate of 0.06575% per day) accrued over the course of eighteen (18) days, as that cycle started on July 8, 2016 and ended on July 21, 2016.    For your second payment that was due on August 5, 2016, the daily interest accrued over the course of fourteen (14) days in the cycle. This cycle started on July 22, 2016 and ended on August 5, 2016.   For your ease of reference, we will send the periodic statements that were issued to you for each of these cycles to the e-mail address that you have provided.   CALCULATING THE BALANCE   For your convenience, please find below a detailed breakdown of the charges included in your balance of $720.60, as at your last statement date of July 22, 2016.   CHARGE AMOUNT Outstanding Principal $617.50 Interest (charged at the rate of 0.06575% per day for 14 days) $5.95 Minimum Charge ($15.00 per $100.00 outstanding) $97.15 TOTAL $720.60   Kindly note that the balance did not increase as stated in your complaint, but decreased from $814.33 to $720.60 after your minimum payment of $196.83 was made on July 22, 2016.   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 balance on your account as at your last periodic statement of July 22, 2016, in the amount of $720.60. This means that – a.            any fees and interest that would otherwise have accrued on your account from July 22, 2016, until now, are waived; and b.            the outstanding balance of $720.60 will be split into four installments of $180.15, 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 [Attachment/s: Transaction History]

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]

We are sorry to hear that you had a negative experience. Upon further investigation, we are pleased that there has been communication and your desired request of a payment plan is being met. The Payment Solutions team is awaiting communication from you. As such, your request should now be satisfied...

and we look forward to continuing to serve you and appreciate you as a customer.

Dear Ms. [redacted],
MoneyKey – MD, Inc. (“MoneyKey”) has received your complaint dated October 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 November 2,...

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

Dear Mr. [redacted], MoneyKey – MD, Inc. (“MoneyKey”) has received your complaint dated November 15, 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 November 27, 2017. Should you have any...

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

Dear Ms. [redacted], MoneyKey has received your complaint from the Revdex.com, received on January 22th, 2016 and wanted to address it with you personally. MoneyKey takes all complaints extremely seriously and wants to ensure that each of our customers is satisfied with the products and services offered....

For your convenience, we have attached 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) 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 $900, which was funded on January 5, 2015. 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 $1120.94. We can have the amount of $1120.64 split into 6 payments of $186.77, 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. Alternatively, MoneyKey will agree to close your account as paid in full if you are able to replay the full principal balance of $900 on or before February 15th, 2016. Should you require any further information or if you would like to take advantage of one of the proposed resolutions above, please contact our office at [redacted] Best regards, [redacted]

Dear Ms. [redacted],  MoneyKey – MO, Inc. (“MoneyKey”) has received your complaint dated September 19, 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, investigated your account and provided a resolution that we believe to be suitable. 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 information about our Line of Credit product in Missouri is also provided.  MONEYKEY Please note that MoneyKey offers a Line of Credit in Missouri. State of Missouri Installment Loan license (which permits a Line of Credit product) https://moneykey.com/licenses/Missouri-state-license.pdf Rates, terms and conditions of the Line of Credit https://moneykey.com/online-line-of-credit-missouri.php   YOUR ACCOUNT MoneyKey confirms that you obtained a Line of Credit with a credit limit of $700.00 and took a draw for $300.00 on May 31, 2016, $200.00 on June 2, 2016 and another $200.00 on June 14, 2016. 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. These terms and conditions included that – •             the minimum payment on your Line of Credit consists of: interest accrued daily at a rate of 1.093% and a contribution towards the Principal balance equal to 10% of the Outstanding Principal Balance; •             you will be charged an Annual Fee of $50.00 on the date of your first withdrawal from your Line of Credit; and •             paying off the Line of Credit in full or making any additional contributions toward the principal balance can be done at any time, and without any additional cost, by contacting our offices directly. We understand that you experienced some difficulty in making your minimum payment on August 19, 2016. As an attempt to resolve this matter and as discussed with you on August 16, 2016, the past due amount of $291.15 was set to be split into three installments in addition to your next three minimum payments, starting September 20, 2016. Furthermore, an e-mail confirmation was sent to you, outlining this payment arrangement. In addition, a Payment Solutions Advisor spoke to you on September 15, 2016, and confirmed that your minimum payment amount for September 20, 2016, was $372.96 and not $566.00. This information was also provided to you in a confirmation email dated August 16th, 2016.  RESOLUTION MoneyKey is committed to treating consumers fairly and with respect and we understand that you are not completely satisfied with your Line of Credit. As a one-time courtesy, MoneyKey will freeze the principal balance on your account as of your last due date on September 20, 2016, in the amount of $630.00. This means that – a.            any fees and interest that would otherwise have accrued on your account from September 20, 2016, until now, are waived; and b.            the outstanding principal balance of $630.00 will be split into four installments of $157.50, 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 affect the proposed settlement.  We are unable to make these changes to your account without your authorization. You can call us at [redacted] We look forward to hearing from you.  Best regards,  MoneyKey