Cash America International, Inc

We are in receipt of a complaint filed by [redacted] dated December 20, 2017 and offer the response below. We appreciate the matter being brought to our attention and apologize for any inconvenience she may have endured. We’ve reached out to the customer and confirm this matter has been...

resolved. Thank you for the opportunity to bring this matter to a close.

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]

Hello [redacted]
Could you please have the customer identify the store that he was dealing with? 
In the meantime, I am in the process of gathering information with regard to the facts of his complaint so I can more fully respond to his concerns.
Sincerely,
[redacted]
[redacted]...

[redacted]
*

We have reached out to the customer and have arrived at a mututally agreeable resolution to this complaint.

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 dispute.
Please enter your reason(s) for rejecting the business response below.Ms. [redacted] contends that the pledged collateral was no longer mine to retrieve. However, accepting payment for pledged collateral that has been taken after forfeiture is a violation of the Texas Administrative Code and Cash America accepted payment for the collateral on the date in question. The Texas Administrative Code holds that when the option to take pledged goods is exercised, the the property is not eligible to be returned to the pledgor. In our situation, Cash America employees accepted payment for the pledged property after running a NICS check with the FBI for the firearms. If it is in fact the position of Cash America that it exercised the option to take the pledged goods and then offered them for redemption, that is a clear violation of the Texas Administrative Code referenced below:"Documentation of the date that pledged goods have been forfeited and have become the property of the pawnshop must be made in the numerical pawn ticket file or in the electronic records. When the option is exercised to take pledged goods as the pawnshop's property, the property is not eligible to be returned to pledged goods status until another disposition of the property is made (e.g., sale, layaway). If goods have not been taken into inventory and documented, the pawn transaction is still considered an open pawn transaction even if the grace period has expired. The pledged goods on any open pawn transaction may be redeemed by payment of the amount financed and pawn service charges accrued to the actual date of redemption." 7 Tex Admin Code § 85.414.The code clearly indicates that this was either still an open transaction or Cash America violated the Texas Administrative Code. She may choose which position to take.  A further violation was committed when the Cash America accepted payment for the pledged goods and the goods were not in the condition they were when they were accepted unless Cash America had only taken the collateral and returned it in violation of the aforementioned provision. The relevant section of the administrative code prohibiting return of collateral in damaged condition is set forth below:"Any payment may not be accepted from the pledgor and the original pawn ticket must be returned when pledged goods are: damaged and not restored to the condition at the time pledged." 7 Tex Admin Code § 85.413(b). Therefore, the condition of the guns is far from a mute point as Ms. [redacted] contends, but, perhaps, more properly the subject matter of an administrative complaint to be filed with the OCCC should Cash America dismiss this matter as trivial. 
Regards,
[redacted]
MESSAGE FROM BUSINESS:Dear Ms.  [redacted]The last day of grace on Mr. [redacted] loans was May 23, 2015.  Therefore on May 24, 2015 ownership of the guns transferred to Cash America. by operation of law.  As a courtesy to Mr. [redacted] the shop held onto the guns for several weeks.  If any person made a phone call to Mr. [redacted] it was a courtesy call.  The condition of the guns at the time Mr. [redacted] came to pick them up is a mute point since he  no longer owned them.  However, as stated before, it is common for guns to sustain superficial rust when stored after not being properly cleaned and oiled.Sincerely,R[redacted]

Dear [redacted]
I am in receipt of your letter forwarding [redacted]'s complaint.
Although we highly value the business of each and every one of our customers, sometimes the business relationship is not beneficial to either party. We vehemently deny [redacted]’s claim that the shop vacuum was...

utilized by one of our staff members and wish him the best in his future business dealings with other establishments that might be more to his liking.
If you have any questions or need any further information, please let me know.
 
Sincerely.
[redacted]

We are in receipt of your correspondence dated November 1, 2017, we thank you for the bringing this matter to our attention.  At this time, we are still in the process of investigating this matter, a final explanation will be provided once the review is complete.

Dear Ms[redacted]
Cash America acted in accordance with the law and stands by its previous response. 
[redacted] Field Legal Support Manager, Cash America International, Inc.

On
November 11, 2015, Mr[redacted]
obtained an installment loan in the principal amount of $Cash America had been attempting to work with
Mr[redacted] in setting up payment arrangements on this defaulted account. There
were no previous requests made by Mr[redacted] to cease contact. Cash America acted in accordance with all
applicable lawsThe account has been noted as "Do Not Call."

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] I donot accepted the cash america pawn shop offer in roebuck. I told her that when she call me I old her I want the chain that I paid for! its no way I would have put that chain layway! with cross. ask cash america to give me the chain that I put in layway! I believe [redacted] switch the chain because I told him about my rings. that was stolen! and they are in his show case. !i would accept another chain but not 80.00! that is what she offered me. I want another chain. Thank you so much! please help me! ghe chain was thicker much heavier. that was not my chain!

I am in receipt of your letter regarding the complaint submitted by [redacted] onJanuary 18, 2017.Please be advised that [redacted] is the victim of an advance pay scam. Advance America Cash Advance is not affiliated with Cash America International, Inc. Our company is unable to seek...

any legal recourse.[redacted] is the victim of fraud and should be encouraged to file a scam complaint with the Federal Trade Commission at [redacted] . If [redacted] does file a complaint with the FTC, we ask that she does not file it under Cash America because we do not have any affiliation with the individuals responsible for the calls. To be clear, these individuals are illegally using the "Cash America" name.For more information, [redacted] may contact information on advanced fee scams from the FTC    at  [redacted]      [redacted].Sincerely,Assistant General Counsel

[redacted] (“[redacted]”) is in receipt of the consumer complaint submitted by [redacted], we thank you for the opportunity to respond and provide further information. We have reached out to [redacted] and were able to come to an amicable resolution. We...

apologize for any inconvenience this may have caused her.

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]

[redacted] ("[redacted]") is in receipt of a complaint filed by [redacted] via the Revdex.com dated August 29, 2017 and thank you for bringing this matter to our attention.We have reached out to [redacted] and were able to come to an amicable resolution . We...

apologize for any inconvenience this may have caused him.[redacted] has confirmed he has no further grievances with [redacted] so therefore we will proceed to close this complaint. We appreciate the opportunity to have assisted [redacted] in bringing this matter to a close.

Revdex.com:[redacted] has been very professional and understanding in this matter . I appreciate her time and excellent response in coordinating the communications clearly between the store and myself. I definitely am glad I am still able to be a customer with [redacted] Thank Revdex.com for facilitating and initiating this mediation .
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 need additional information from the customer to fully investigate this matter. Despite several attempts to contact the customer, we have been unable to reach her, however, we now understand that the situation has indeed been satisfactorily rectified.

Dear Ms.  [redacted]
The last day of grace on Mr. [redacted] loans was May 23, 2015.  Therefore on May 24, 2015 ownership of the guns transferred to Cash America. by operation of law.  As a courtesy to Mr. [redacted] the shop held onto the guns for several weeks.  If any person made a phone call to Mr. [redacted] it was a courtesy call.  The condition of the guns at the time Mr. [redacted] came to pick them up is a mute point since he  no longer owned them.  However, as stated before, it is common for guns to sustain superficial rust when stored after not being properly cleaned and oiled.
Sincerely,
[redacted]

We are in receipt of the consumer complaint filed by [redacted] and provide the response below. The customer’s complaint has been reviewed and we are still in the process of investigating her concerns. We have made an attempt to contact the customer for further information. [redacted]...

[redacted] appreciates the opportunity to address the matter.