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Cavaluzzi & Sons

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Cavaluzzi & Sons Reviews (2)

July 19, 2016[redacted]Vice President Dispute Resolution and OperationsRevdex.com[redacted]Dear Ms. [redacted],Thank you for giving Guaranty Bank and Trust Company the opportunity to respond to the complaint submitted on June 24, 2016, ID [redacted].  We take customer service...

very seriously and regret that our customer feels we were not responsive to his credit dispute.  We have reviewed our documentation of the July 2015 credit dispute, including our response to the dispute.   While our records show that loan statements were consistently mailed by the bank to the customer’s address on record, documented communication from our customer in July 2015 indicates that he was not receiving mail due to an issue with his local post office.  We also noted that in our customer’s communication to us he acknowledged that he was aware that a payment was due on his account, and that he made payments even though he had not received a statement.  Unfortunately, a payment was not received in May 2015, which resulted in the reported delinquency.  As a furnisher of information, we are held to strict reporting standards and guided by the Fair Credit Reporting Act.  In review of our customer’s credit dispute, we determined that the credit bureau reporting was accurate and to remove the subject delinquency would violate our reporting responsibility.   A letter communicating this decision and in response to the credit dispute was mailed to the customer on August 7, 2015 to the updated address provided to us by our customer.If you have any questions, please feel free to contact us.Best Regards,Lois C[redacted], CRCMVice President Lending Compliance Officer2700 47th Ave, Greeley, CO 80634[redacted]
[redacted]c:  Mike B[redacted]

Complaint: [redacted]
I am rejecting this response because:1.I attempted to notify them of change of address but it took two months for them to get it done. 2.This was not a installment loan. Bills are irregular-no knowledge of amount due, if any.3.Guaranty Bank had a notation on computer to "not send hard copy" to my mailbox-found this out after lengthy phone call months later4.How was I communicated with that I owed anything when they were "holding" the bill and their internet service would not send "text to confirm" to log in?5.Guaranty Bank has the responsibility of making sure their customers are correctly billed and receive the bill-and they did not do it.What I am specifically asking for is to correct the credit report. It was promptly paid off in full when I was made aware of the amount due. There is no balance and these amounts of money were never an issue to be paid. The issue was the communication of Guaranty Bank. Regards,[redacted]

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