Cash America International

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 retrieveHowever, 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 questionThe 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 pledgorIn our situation, Cash America employees accepted payment for the pledged property after running a NICS check with the FBI for the firearmsIf 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 recordsWhen 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 expiredThe 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." Tex Admin Code § 85.414.The code clearly indicates that this was either still an open transaction or Cash America violated the Texas Administrative CodeShe 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 provisionThe 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." 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 ***The last day of grace on Mr [redacted] loans was May 23, Therefore on May 24, ownership of the guns transferred to Cash Americaby 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]

We are in receipt of a complaint filed by [redacted] dated December 20, and offer the response belowWe appreciate the matter being brought to our attention and apologize for any inconvenience she may have enduredWe’ve reached out to the customer and confirm this matter has been resolvedThank you for the opportunity to bring this matter to a close

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 scamAdvance America Cash Advance is not affiliated with Cash America International, IncOur 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 callsTo 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

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 myselfI 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] ***

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] The last day of grace on Mr [redacted] loans was May 23, Therefore on May 24, ownership of the guns transferred to Cash Americaby 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]