Argon Credit

My account was paid in full on 10/17/On 12/28/my account was drafted for When I contacted customer service I was told this was a billing issue, that I needed to send a copy of the draft to receive a refundI submitted the copy on 12/29/2016, and I have yet to receive a refundI have contacted the company numerous times without successfully being able to resolve this issue

In July of this year, Ms. [redacted] refinanced her original loan reducing the monthly payment of $188.64 down to $69.63. Her account was inadvertently reset to the original payment amount causing an overdraft of her personal checking...

account. She submitted a payment claim with our servicing department to have $220.64 refunded to her. The mishap has been corrected, the claim resolved, and a refund of $151.01 was issued September 30, 2016. The remaining $69.63 of Ms. [redacted]'s claim has been used to cover her September payment to ensure her account is in good standing with continued on time payment. If any additional fees arise due to this matter, Argon is more than willing to cover the cost as long as Ms. [redacted] provides sufficient proof that it was our draft which caused them. In addition, we have issued a credit $100.00 to the customer's account for the inconvenience. 
Argon apologizes for the inconvenience caused during this time.

Initial Business Response /* (1000, 5, 2015/07/22) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@argoncredit.com
Sorry for any inconvenience caused during our transition to our new servicing company. We have issued servicing the authority to...

back date the payoff amount to your original request date.
Initial Consumer Rebuttal /* (3000, 7, 2015/07/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The response is unacceptable due to the fact that this is what I should have been given 6 weeks ago. As I said in my request, I want to be compensated for my time and frustration in trying to repay a loan. It was not just simply an inconvenience. It took time away from productivity in my job.

AVOID!!!! They decided to service their own loans, resulting in my acct showing closed / sold. However, in 3 months they have yet to add the account back to my credit report and report my acct being paid as agreed etc! In addition, since servicing their own loans, they have not taken out my payment on the due date per my contract. I have had to call every month to make sure that my payment is made on time and withdrawn from my account. The customer service is horrible! I shouldn't have to call every month to make sure they take money out of my account, and they take it out on random days of the month never on the actual due date. This will be the first loan I pay off next month and I will close the account and never do business with them again. So if you want your credit not reported correctly, and your payments To come out whenever they deem fit or not at all and tell you call then get a loan with them. If you want an actual loan that reports to your credit correctly and your payments are done correctly get a loan with [redacted]!!

Over the past number of days, Argon has made several attempts to get in touch with Ms. [redacted] regarding different options to pay off this loan.  Argon has yet to hear back from Ms. [redacted].  Ms. [redacted] can contact Argon at [redacted] to verify her receipt of the payoff information...

we provided.

Complaint:...

[redacted]
I am rejecting this response because: They have refused to pay the overdraft fee that I have sent to them that they have caused me and the caused me late fees on 3 other bills. So giving the payment that they took out of my account illegally is just a way for this business to say this is what we did and we fixed and they did not fix the situation as the said they would! I will never use the company again and I will never recommend them to anyone because of the the way I have been treated by their employees during this whole situation. I do not feel they resolved the situation they only gave me my original money back but they are acting like they should not be held accountable for costing me extra money for their mistake. Very unprofessional!
Sincerely,
[redacted]

I don't know what this entity actually is, but it doesn't operate like a business and shouldn't be a business. They should be shut down by regulators.

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.
Sincerely,
[redacted]

We spoke with Mr. [redacted] on the evening of September 28, 2016. Within that conversation, we expressed our apologies for the inconvenience of not being unable to reach a representative. We explained to Mr. [redacted] the dip in servicing levels and availability was caused by the transitioning of our...

Servicing Department from California office back to our headquarters in Chicago. We also advised Mr. [redacted] that access to the customer management tool was temporarily unavailable due to the installation of our new billing system as well as various security enhancements. Although several letters were mailed to advise the customer of this, unfortunately, he didn't receive them in a timely manner. The customer was understanding to the situation as we were very empathetic to his needs and concerns as well. Mr. [redacted] was later sent a follow-up email from our Account Servicing manager providing all contact information for future communication as needed.

I applied with argon credit, got an immediate approval for a 4667.00 loan, signed a contract immediately and they request access to my bank account for verification. I then downloaded the required documentation. Checked the system still showed approved. I called customer was advised all info was received and would get a call back once verification of documents was complete. No emails, no phone call back. Then I checked the system again and it showed declined. I called and was advised I would receive a letter with reasons. I would like this company investigated for a scam, collecting info and making you sign a contract accepting funds that you will eventually not receive. They lead you on by saying your approved just to collect personal information

Initial Business Response /* (1000, 5, 2015/07/22) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@argoncredit.com
Sorry for any inconvenience caused during our transition to our new servicing company. We have issued servicing the authority to back date...

the payoff amount to your original request date.
Initial Consumer Rebuttal /* (3000, 7, 2015/07/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The response is unacceptable due to the fact that this is what I should have been given 6 weeks ago. As I said in my request, I want to be compensated for my time and frustration in trying to repay a loan. It was not just simply an inconvenience. It took time away from productivity in my job.

Complaint: [redacted]
It did not resolve anything that's pretty much what I figured they would tell me
I am rejecting this response because:
Sincerely,
[redacted]

As of October 7, 2016, Argon attempted to reach customer by phone on multiple attempts with no answer. Several voicemails have been left with no returned calls. We have sent follow up emails apologizing for the confusion regarding the transition as well as explaining change in servicing locations....

Additionally, we addressed the inconvenience caused by inadvertent attempt to debit account offering to cover any and all fees.  In our communication we have provided hours of operation, service numbers, service email, and link to new customer portal.  Please contact Argon at ([redacted] between 8am - 8pm CST M-F.

Mr. [redacted]
As you in fact stated, your loan was in fact severely past due.  The reporting is based on past activity.  However, per the "Desired Settlement" you stated in this complaint, we will accept your offer.  We have reached out to you via email...

requesting payment in full without the need for payment arrangements in exchange for removing this credit from your record.  Please respond back to the email sent to you today at 2pm CST to resolve this situation.Thank you,

We spoke with Mr. [redacted] on the evening of September 28, 2016. Within that conversation, we expressed our apologies for the inconvenience of not being unable to reach a representative. We explained to Mr. [redacted] the dip in servicing levels...

and availability was caused by the transitioning of our Servicing Department from California office back to our headquarters in Chicago. We also advised Mr. [redacted] that access to the customer management tool was temporarily unavailable due to the installation of our new billing system as well as various security enhancements. Although several letters were mailed to advise the customer of this, unfortunately, he didn't receive them in a timely manner. The customer was understanding to the situation as we were very empathetic to his needs and concerns as well. Mr. [redacted] was later sent a follow-up email from our Account Servicing manager providing all contact information for future communication as needed.

Mr. [redacted]As you in fact stated, your loan was in fact severely past due.  The reporting is based on past activity.  However, per the "Desired Settlement" you stated in this complaint, we will accept your offer.  We have reached out to you via email requesting payment in...

full without the need for payment arrangements in exchange for removing this credit from your record.  Please respond back to the email sent to you today at 2pm CST to resolve this situation.Thank you,

I called this business on 1/6/16 and was approved and even received an email saying that my funds were on the way. It is now 1/14/16, and still nothing. After calling 3 different times, and each time getting a different answer, I was told my funds were not going to be deposited until next week due to delay of funding! I have never heard this before! Every loan company that I've dealt with has had my deposit in my account the very next business day. I needed this money for an important event I had this week! This whole 2 weeks delay defeats the purpose of why I even requested the loan in the first place! I will never again call this company ever! The worst customer service experience I have ever had! Never again!!!!

Complaint: [redacted]
I am rejecting this response because:
 
I have not not received a letter of apology that I can take to my bank. I also have not received a call from a Compliance person.  
I have 13 messages and have sent 9 emails to date  
I will be hiring an attorney for violation of Reg E and TCPA violations of they do not call me  
Sincerely,
[redacted]

Complaint: 10974566
I am rejecting this response because: Argon did not acknowledge the flaw in its verification process. The fact that I had an existing loan with them should have been caught in the verification process and not after I had been awarded the loan. I would like to receive the...

second loan for which I applied or be relieved of payments in my existing loan that total the amount of the second loan for which I applied. Argon really needs to fix its verification process.
Sincerely,
Kenya [redacted]

As of today, October 20, 2016, Mr. [redacted] has been refunded and sent a confirmation letter that his account has been paid in full.  We would like to once again apologize to Ms. [redacted] for this situation.  She can reach Argon at [redacted] if she has any questions.