Alejandrina Enterprises LLC

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 Ms. [redacted], MoneyKey – MO, Inc. (“MoneyKey”) has received your complaint dated November 16, 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 28, 2017. 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.Unfortunately, the proposed monthly amount of $277.30 is not within reach of my monthly budget.  I am able to pay $200.00 month with a proposed settlement of $1663.82.
Regards,

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 seriously. To make sure that your concerns are fully addressed, we...

have reviewed your complaint and investigated your account thoroughly. We acknowledge your revocation of ACH authorization and will not process any further payments through your bank account on file. As per your request, going forward, we will only contact you via US postal mail or email. For your convenience, we will send a copy of your Credit Services and Loan Agreement to the e-mail address that you have provided. MONEYKEY – SINGLE-PAY LOAN Further to your complaint, to clarify, MoneyKey is not a direct lender in Ohio. MoneyKey is licensed as an Ohio Credit Services Organization (License Certificate No. CS.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 $600.00 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 loan. MoneyKey and NCP Finance Ohio, LLC are not affiliates. For your reference, we have included links to our website, where information about our Single-Pay loan in Ohio is also provided. State 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 $29.00 for every $100.00 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 $150.00. This reduced the outstanding principal balance from $600.00 to $450.00. 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 provided. PROPOSED RESOLUTION MoneyKey is committed to treating consumers fairly and with respect and we understand that you are not completely satisfied with your loan. As 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 $450.00. 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 $450.00 will be split into three (3) installments of $150.00, coinciding with your upcoming pay dates. Once these payments have been received by us, we will close your account as paid in full. At 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 authorization. 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. Clearly, having a balance of $872.25 on a $825.00 loan after paying you over $2,1oo almost 3 times the amount I borrowed, does not resolve my complaint. I would like my account to be considered as payment in full.  We understand that you have already spoken with one of our Payment Solution Advisors about your current outstanding balance of $872.25 and have been put on an interest-free payment plan for this amount. Should you have an questions or concerns about your loan or your current payment plan, please do not hesitate to call my office directly at [redacted]
Regards,

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, 2017. Should you have...

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

Dear Mr. [redacted], MoneyKey – MO, Inc. (“MoneyKey”) has received your complaint dated November 10, 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 14,...

2016. Should you have any further questions or concerns, please give us a call at 8[redacted] Best regards, MoneyKey

Dear Ms. [redacted],  MoneyKey – MD, Inc. (“MoneyKey”) has received your complaint dated November 10, 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.  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  Please note that MoneyKey offers a Line of Credit in Maryland.  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 $1000.00 and took a draw for $600.00 on October 3, 2016, and an additional draw for $400.00 on October 6, 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 line of credit accrues interest charged at a rate of 0.06575% per day, calculated on the average daily principal balance. The 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 $15.00 for each $100.00 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.   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.  In consideration of your request, MoneyKey will freeze the principal balance on your account as at your last statement date of November 9, 2016, in the amount of $902.50. This means that–  a.         any fees and interest that would otherwise have accrued on your account from November 9, 2016, until now, are waived; and  b.         as you requested, the outstanding principal balance of $902.50 will be split into four (4) installments of $225.62, 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

Dear Mr. [redacted], As stated in our previous response, we are more than happy to assist you with a payment plan for your loan. Your current outstanding balance is $566.88, which includes the $400 principal, $116.88 finance fee, a $25 late fee and a $25 NSF fee. As a courtesy and under no obligation to do so, we will reduce your balance to the principal balance of $400 and are willing to accept eight (8) bi-weekly payments of $50 to have your closed as paid in full. Here is the proposed payment schedule:  Date AmountPayment 1 10/23/2015 $50Payment 2 11/06/2015 $50Payment 3 11/20/2015 $50Payment 4 12/04/2015 $50Payment 5 12/18/2015 $50Payment 6 12/31/2015 $50Payment 7 01/15/2016 $50Payment 8 01/29/2016 $50With your authorization, we can have these payments debited from your back account on file. Should no action be taken on your part to have this account resolved amicably, our collection efforts will continue. To accept this proposed payment plan or to discuss the details of this account further, kindly reach out to me directly by telephone at [redacted] [redacted]  Best regards,[redacted] Director, Payment Solutions

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 Ms. [redacted], MoneyKey – VA, Inc. has received your complaint dated 29 February 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. After our internal investigation, we determined that you obtained a line of credit on May 4th, 2015.  On June 2nd, 2015, you advised us that our records did not correctly reflect the dates on which you receive your income. In 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 do. We 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, 2015.  The account, on which MoneyKey – VA, Inc. waived all outstanding fees and interest, and which consequently comprised only your outstanding principal balance, was then assigned to a third party collections agency. We 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 complaint. We also understand that you have agreed to a payment arrangement with this agency. Should you need any further assistance with the resolution of this matter, kindly contact our office directly at [redacted] Best regards, [redacted]

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 Ms. ***. We confirm that MoneyKey – MD, Inc. has received your response dated 1 April 2016 through the Revdex.com (Revdex.com) website. As 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 arrangement. MoneyKey is unable to make any changes to your Line of Credit without your authorization. MoneyKey will honor the offered settlement of $1120.94. 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 $497.17. this amount can be split into 4 equal payments of $124.29, coinciding with your pay dates. If you would like to accept this settlement arrangement, please contact my office directly to authorize this change. I am available directly at *** *** *** ** ** *** ** ***. We look forward to hearing back from you. 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. 
Regards,
[redacted]

Dear Ms. [redacted], MoneyKey – TX, Inc. (“MoneyKey”) has received your complaint dated August 7, 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 telephonic conversation dated August 15, 2017. ...

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 MoneyKey. Your email was escalated to my office and I wanted an opportunity to address it with you personally. First and foremost, I wanted to apologize for the continued calls made to your place of...

residence on file after receiving your “Cease & Desist” and “Revocation of ACH Authorization” letter via email dated Wednesday, August 19, 2015. Once received, we stopped all ACH transactions from being processed through your bank account and stopped all contact with your place of employment and references. Due to an operational oversight, calls to your listed place of residence persisted, contrary to the direction received in your email. This issue has since been corrected and I would like to once again apologize on behalf of MoneyKey for any inconvenience this oversight may have caused. Secondly, I understand that you had some difficulty locating our Credit Service Organization license. Please note that MoneyKey – TX, Inc. is a registered Credit Services Organization and a Credit Access Business operating pursuant to Chapter 393 of the Texas Finance Code. For your reference, I have attached a link to our licenses in Texas below: https://www.moneykey.com/licenses/Texas-CSO-state-license.pdf https://www.moneykey.com/licenses/Texas-CAB-state-license.pdf Finally, and as per your request, we have closed your loan as paid in full. Kindly consider this email as full and final release for your loan serviced by MoneyKey. You are hereby released of any and all liability and any remaining balance has now been waived. We trust you find the above a satisfactory resolution to this matter. Should you have any questions, concerns or if you would like to discuss this matter further, I would encourage you to contact myself directly at [redacted] or by replying to my email: [redacted] Best regards,

Dear Mr. [redacted] We confirm that MoneyKey - MD, Inc. has received your complaint dated 29 February 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; (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, 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 MoneyKey. Our 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 $600 on November 5, 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 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 $569.76 reflected on your Periodic Statement of  April 6, 2016, included interest and fees accrued up to April 6, 2016. 
In order to close your account, you would be required to pay your account in full to a zero-dollar balance. In 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, 2016 and the date on which you would pay your account in full.
RESOLUTION
MoneyKey is committed to treating consumers fairly and with respect. As you are not fully satisfied with your Line of Credit product, MoneyKey is prepared, as a one-time courtesy, to –
1.       freeze your balance as at April 6, 2016, in the amount of $569.76;
2.       credit this balance with the payment made on April 20, 2016 in the amount of $89.32;
3.       waive all interest and fees accrued after April 6, 2016.
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 dates. Once 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 consent. MoneyKey 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 concerns. We look forward to hearing from you.
Best 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 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. We have also included some information that may be useful to you. Kindly note that the product that MoneyKey offers in Maryland is a Line of Credit and not a loan. USEFUL 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 – 1.       $600.00 on May 25, 2016; and 2.       $400.00 on May 26, 2016. 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 to. These terms and conditions include that – 1.       the minimum payment on your Line of Credit includes interest, fees and a 5% contribution to the principal balance; and 2.       you can pay off the Line of Credit or make contributions toward the principal balance at any time and without penalty, by contacting our offices. Even 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 interest. The terms and conditions are also reflected – 1.       in your signed Line of Credit agreement; and 2.       on the first page of each of your Periodic Statements. Your Periodic Statements are sent to you before every payment due date. RESOLUTION MoneyKey understands that you are not completely happy with your Line of Credit product. We are prepared to freeze the balance on your account as at your most recent periodic statement of June 3, 2016, in the amount of $1237.21. This means that – a.            any fees and interest that have accrued on your account from June 3, 2016, are waived; and b.            $1237.21 will be debited in full on your next due date of June 17, 2016. Once we receive this payment of $1237.21, we will close your Line of Credit as paid in full. Please contact us in order to effect the proposed settlement.  We are unable to make any changes to your account without your authorization. You can give us a call at [redacted] Thank you for giving us the chance to help you. We look forward to hearing from you. Best regards, MoneyKey

Dear Mr. [redacted], We have received your complaint via the Revdex.com and wanted to address your concerns with you personally.  We have initiated an internal investigation and our findings are as follows: 1.      Your loan of $400 was funded...

on April 23rd 2015. Since then, you had renewed your loan twice by signing the attached loan agreements. 2.      You subsequently defaulted on your loan payment dated June 5th 2015 in the amount of $516.88. 3.      Since your loan defaulted, MoneyKey has made numerous attempts to contact you by both email and telephone to have this matter resolved amicably. 4.      Due to our inability to connect with you directly, your file was assigned to 3rd party collections for recovery. 5.      In addition, we have confirmed that the assigned balance to the 3rd party collections agency is indeed $566.88, which is composed of $400 principal, $116.88 finance fee, $25 NSF fee and $25 late fee. We understand that you are experiencing  financial hardship and would be happy to assist you in coming to an affordable payment plan to suit your current financial needs. Please contact myself directly at [redacted] or by email at [redacted] to work out a payment arrangement in order to have this account closed as paid in full.  Best regards,     [redacted]   |   Director, Payment Solutions