BorrowersFirst received Mr [redacted] Complaint and immediately researched the concerns he raisedMr [redacted] and his wife called in on March 28, to request a payoff quoteOur standard payoff quotes for payoff checks received by mail is set to daysAs a result, this payoff quote was generated with a date of April 7, We received Mr [redacted] payoff check about days after the date that was established on the payoff quote, which also happened to be the date of his usual monthly paymentMr [redacted] called us on several occasions but did not notify us of his updated mailing addressThis created issues that our system was not equipped to handle at that timeWe truly apologize for the inconvenience and the errors that resulted due to these system limitationsWe have since resolved the limitations within our system that caused these errorsIn addition, whenever a call is received that involves a payment dispute, part of our process is to request a bank statement from the callerThis is done to assist us in understanding the dispute in totalityIt also helps us ensure that we give the borrower a refund that completely reflects what is owed to himWe have since issued Mr [redacted] two refund checksOne refund check was issued on August 17, in the amount of $The second refund check was issued on August 21, in the amount of $Mr [redacted] should receive both checks within the next 3-business days, if he has not received them alreadyIn addition, we have ensured that his account balance is zeroed out and that no payments will be automatically withdrawn from him now or in the futureWe thank Mr [redacted] and his wife for working with us to remedy these concernsWe apologize for the inconvenience and confusion created by this situation
Complaint: [redacted] I am rejecting this response because:According to the letter, the reason(s) for denying me were the reason(s) that were stated in the letter received.Though, my credit history is comprised of credit cards, both over year old: 100% payment history (Excellent), years Oldest Credit Line (Good), 24% Credit used (Good), and I have plenty of credit available - which should indicate to you that I manage my credit responsibly.I do not understand why you denied me ? Regards, [redacted]
While we recognize the frustration, the score that we used is not the same score that he is getting from [redacted] *** [redacted] uses Vantage, while we use FICO.He can check his FICO score by going to "myFICO.com", however keep in mind that scores can change daily so his score may have improved from the time we pulled it.In reviewing his credit profile, a lack of installment loan history was a significant factor in our decision, which was stated on his adverse action notice.If we can be of any other assistance, please let us know
When ** [redacted] attempted to contact BorrowersFirst, heexperienced what he felt was a lengthy hold-time and abandoned the phonecall ** [redacted] also attempted to access the BorrowersFirst websiteusing his computer tabletThat table had compatibility issued with theBorrowersFirst website After not receiving a call back within hours andexperiencing problems connecting with BorrowersFirst on-line, ** [redacted] becameconcerned that he may have been the victim of loan fraud Upon learning that ** [redacted] had a negative experience,BorrowersFirst made repeated attempts to contact him directlyOn 8-10-15, wesuccessfully connected and allayed his concerns** [redacted] informed us that wewere able to reach him sooner because he had been out of the countryAlso inour conversation with ** [redacted] , we received the information needed tocomplete the loan process and his loan was subsequently approved
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]
Upon receiving Mr [redacted] complaint, BorrowersFirst's IT and Operations Departments immediately researched his concernsWe apologize that Mr [redacted] experienced issues in trying to reach us during his time of financial hardshipWe found no trace of phone service interruption within the time period he identifies in his complaintBorrowersFirst was fully operational on the date he indicated as the "Problem Occurred" date and has been fully operational sinceIn addition, our phones were operational in the time leading up to this dateIf Mr [redacted] had called, we would have answered, or, if outside of business hours, he would have received a message indicating our hours of operationWe are also available via the email addresses provided on our websiteThe owner and servicer of Mr [redacted] loan is now [redacted] Asset Management LtdMr [redacted] can reach out to [redacted] to discuss his loan at [redacted] We sincerely thank Mr [redacted] for his business
BorrowersFirst received Mr [redacted] Complaint and immediately researched the concerns he raisedMr [redacted] and his wife called in on March 28, to request a payoff quoteOur standard payoff quotes for payoff checks received by mail is set to daysAs a result, this payoff quote was generated with a date of April 7, We received Mr [redacted] payoff check about days after the date that was established on the payoff quote, which also happened to be the date of his usual monthly paymentMr [redacted] called us on several occasions but did not notify us of his updated mailing addressThis created issues that our system was not equipped to handle at that timeWe truly apologize for the inconvenience and the errors that resulted due to these system limitationsWe have since resolved the limitations within our system that caused these errorsIn addition, whenever a call is received that involves a payment dispute, part of our process is to request a bank statement from the callerThis is done to assist us in understanding the dispute in totalityIt also helps us ensure that we give the borrower a refund that completely reflects what is owed to himWe have since issued Mr [redacted] two refund checksOne refund check was issued on August 17, in the amount of $The second refund check was issued on August 21, in the amount of $Mr [redacted] should receive both checks within the next 3-business days, if he has not received them alreadyIn addition, we have ensured that his account balance is zeroed out and that no payments will be automatically withdrawn from him now or in the futureWe thank Mr [redacted] and his wife for working with us to remedy these concernsWe apologize for the inconvenience and confusion created by this situation
Complaint: [redacted] I am rejecting this response because:According to the letter, the reason(s) for denying me were the reason(s) that were stated in the letter received.Though, my credit history is comprised of credit cards, both over year old: 100% payment history (Excellent), years Oldest Credit Line (Good), 24% Credit used (Good), and I have plenty of credit available - which should indicate to you that I manage my credit responsibly.I do not understand why you denied me ? Regards, [redacted]
While we recognize the frustration, the score that we used is not the same score that he is getting from [redacted] *** [redacted] uses Vantage, while we use FICO.He can check his FICO score by going to "myFICO.com", however keep in mind that scores can change daily so his score may have improved from the time we pulled it.In reviewing his credit profile, a lack of installment loan history was a significant factor in our decision, which was stated on his adverse action notice.If we can be of any other assistance, please let us know
When ** [redacted] attempted to contact BorrowersFirst, heexperienced what he felt was a lengthy hold-time and abandoned the phonecall ** [redacted] also attempted to access the BorrowersFirst websiteusing his computer tabletThat table had compatibility issued with theBorrowersFirst website After not receiving a call back within hours andexperiencing problems connecting with BorrowersFirst on-line, ** [redacted] becameconcerned that he may have been the victim of loan fraud Upon learning that ** [redacted] had a negative experience,BorrowersFirst made repeated attempts to contact him directlyOn 8-10-15, wesuccessfully connected and allayed his concerns** [redacted] informed us that wewere able to reach him sooner because he had been out of the countryAlso inour conversation with ** [redacted] , we received the information needed tocomplete the loan process and his loan was subsequently approved
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]
Upon receiving Mr [redacted] complaint, BorrowersFirst's IT and Operations Departments immediately researched his concernsWe apologize that Mr [redacted] experienced issues in trying to reach us during his time of financial hardshipWe found no trace of phone service interruption within the time period he identifies in his complaintBorrowersFirst was fully operational on the date he indicated as the "Problem Occurred" date and has been fully operational sinceIn addition, our phones were operational in the time leading up to this dateIf Mr [redacted] had called, we would have answered, or, if outside of business hours, he would have received a message indicating our hours of operationWe are also available via the email addresses provided on our websiteThe owner and servicer of Mr [redacted] loan is now [redacted] Asset Management LtdMr [redacted] can reach out to [redacted] to discuss his loan at [redacted] We sincerely thank Mr [redacted] for his business