Credit Central Inc.

Dear *** I would like to close my complaint with credit centralI received a check for from Credit Central to cover my returned check feesI would like to thank Ed Cortinas from Credit Central for finally contacting me and helping me Thanks, *** *** Sent from my iPad

Complaint: ***
I am rejecting this response because: I was only contacted one by Credit Central and was told they would contact me back by Monday and to this day nobody from the company has contacted me I answer all my phone calls and have not had any problems with any missed calls
Regards,
*** ***

This letter is to advise that I have investigated the above complaint received*** *** has been a customer with Credit Central since 09/4/The complaint that we received is regarding account number 513-2846963-that was opened November 30, This loan was paid in full today in a past
due status from 5/31/In this complaint *** *** has made allegations that I would like to address*** *** states, "business solicits to stay employed, after you have paid the loan off, but harasses you when you cannot pay on time." *** *** also states, "Employees were coming out to her residence, calling parents, relatives." In response to *** *** statement of "business solicits to stay employed, after you have paid the loan off but harasses you when cannot pay on time," as stated above, *** *** has had an open loan with our company since 9/4/and has never paid a loan off with our company until today, 6-30-However, *** *** has refinanced her loan with our company on the separate occasions during this time frameWhen she had equity in her loan, the branch would advise her of the amount she had available and let her know she could refinance her loan if she had a financial needShe at no point has paid a loan off until today 6/30/We have tried to reach her on numerous occasions at the numbers *** *** provided to us giving permission to utilize the numbers for the servicing of her accountWe have made attempts to reach *** *** at the numbers she provided in accordance with the Fair Debt Collections Practices ActWe have talked to *** *** by phone a couple of times since she refinanced her loan on 11/30/and we have made field visits to the address we have listed as her residence of *** *** , San Antonio, Tx,This address was provided to us when the loan was madeDuring our visits on 6-and 6-19-2017, we were unable to make contact with *** *** and did not speak to anyoneWe made these attempts to reach her by phone and the field visits to her because we had not spoken with her in regards to her past due loan from 5/30/17, she had not contacted the office in regards to her past due loan, and she had not contacted us to give us a specific date that the account would be paid*** *** stated that "she paid off $and was begged to borrow again so they could keep their jobs and she was being stalked." In response to *** *** statement, she at no time has paid off a loan with our company since she opened a loan on 9-4-until today (6/30/2017)Thru my investigation I have seen no evidence in where we have stalked *** *** and since she has not paid us in full on any loan, until today 6/30/The conversation of begging her not to pay off her loan so the employees could keep their jobs could not have happenedThe complaint was filed on 6/21/and the complaint states the problem occurred on 5/30/17and I see no evidence of where we talked to *** *** on 5/30/or where she visited our office on 5/I have tried on numerous occasions to contact *** *** since we received this complaintShe talked to the District Supervisor, Janie Everding today (6/30/2017) and advised that she would be paying off her balance in full todayShe did pay the loan in full today (6/30/3017)We would like to have a good working relationship with *** *** and should she have any further questions or concerns she may contact me at the above listed informationSincerely, *** ***
*** ***

have investigated and have discovered that this complaint is related to our office in San Antonio located at *** *** *** not the office at *** ** *** ***I would also state that our company and
*** *** are two different companies
I tried to call *** *** at 2:pm on Monday there was no answer and no message leftI did contact our office and she is a nearby contact for another customer that left her as a point of contactWe do show that she did take our messages and did not once request to be taken off the call listWe do respect our customers and references and when requests are made we do removeI have instructed our branch manager to remove *** *** from the contact list and that she is not to be contacted any more
*** *** did call me and we did come to terms and that she would not be called on this accountI did assure her that her name would be removedShe was satisfied that the situation was resolved

RE:      Complaint #[redacted] vs. Credit Central of [redacted], TXDear Ms. [redacted]: Regarding the above referenced complaint, I have thoroughly investigated Ms. [redacted] complaint. Attached is a statement from, [redacted] District Supervisor. Should you have any...

questions, please feel free to contact me at ###-###-####, extension [redacted].[redacted]Senior Vice PresidentTO:                  [redacted]FROM:            [redacted]DATE:            October 12, 2015RE:                  STATEMENTThis statement is in regards to the Revdex.com customer complaint from [redacted].On September 17, 2015, Ms. [redacted] indicates that she sent in a check that was lost in the mail and that she had some form of communication with the branch that would indicate that we would not post the payment. Based on our records any form of communication with Credit Central employees does not indicate that this request was put into play. There was no indication that an attempt was made to contact the branch to have the check not posted to the account.Ms. [redacted] indicated that this took place in July. That check would have been returned back tothe customer or delivered. The posting of this payment has taken place in September. Ms. [redacted] has indicated she incurred some additional fees due to the processing of payment.On September 17, 2015, I called Ms. [redacted] and I called my Vice President, [redacted], to make him aware of what was going on. I left her a message with my phone number and did not get a phone call back.Since I did not receive a call back, I assumed that Ms. [redacted] understood and that everything was taken care of. When I received the complaint from the Revdex.com, I called Ms. [redacted] on September 25, 2015, and spoke to with her to find that she was not happy about not being reimbursed the two 35.00 insufficient fund fees and that we did not write the letter of error for her. I explained to her that since there were no notes on her check for us not to post the check, when we received the check in the mail the manager posted the check to Ms. [redacted] account. I explained to Ms. [redacted] that once we receive payments by mail we post them immediately and that since Ms. [redacted] mailed out a check to our company with the purpose of making her payment, this is what took place.As Ms. [redacted] is a great customer and we want to make certain that she is satisfied, I would love to accommodate her despite the circumstance. I have made several attempts to make contact with Ms. [redacted]. We will be glad to work out a satisfying resolution of Ms. [redacted] will contact me.Please feel free to call with any questions or concerns you may have.

RE:      Complaint #[redacted] vs. Credit Central of...

[redacted], TX
Dear Ms. [redacted]: Regarding the above referenced complaint, I have thoroughly investigated Ms. [redacted] complaint. Attached is a statement from, [redacted] District Supervisor. Should you have any questions, please feel free to contact me at ###-###-####, extension [redacted]
Senior Vice President
TO:                  [redacted]
FROM:            [redacted]
DATE:            October 12, 2015
RE:                  STATEMENT
This statement is in regards to the Revdex.com customer complaint from [redacted].
On September 17, 2015, Ms. [redacted] indicates that she sent in a check that was lost in the mail and that she had some form of communication with the branch that would indicate that we would not post the payment. Based on our records any form of communication with Credit Central employees does not indicate that this request was put into play. There was no indication that an attempt was made to contact the branch to have the check not posted to the account.
Ms. [redacted] indicated that this took place in July. That check would have been returned back to
the customer or delivered. The posting of this payment has taken place in September. Ms. [redacted] has indicated she incurred some additional fees due to the processing of payment.
On September 17, 2015, I called Ms. [redacted] and I called my Vice President, [redacted], to make him aware of what was going on. I left her a message with my phone number and did not get a phone call back.
Since I did not receive a call back, I assumed that Ms. [redacted] understood and that everything was taken care of. When I received the complaint from the Revdex.com, I called Ms. [redacted] on September 25, 2015, and spoke to with her to find that she was not happy about not being reimbursed the two 35.00 insufficient fund fees and that we did not write the letter of error for her. I explained to her that since there were no notes on her check for us not to post the check, when we received the check in the mail the manager posted the check to Ms. [redacted] account. I explained to Ms. [redacted] that once we receive payments by mail we post them immediately and that since Ms. [redacted] mailed out a check to our company with the purpose of making her payment, this is what took place.
As Ms. [redacted] is a great customer and we want to make certain that she is satisfied, I would love to accommodate her despite the circumstance. I have made several attempts to make contact with Ms. [redacted]. We will be glad to work out a satisfying resolution of Ms. [redacted] will contact me.
Please feel free to call with any questions or concerns you may have.

July 6, 2016 Ms. [redacted] Revdex.com Corporate Office 1005 La Posada Drive Austin, TX 78752 RE:      Complaint #[redacted] vs. Credit Central of Kingsville, TX Dear Ms. [redacted]: Regarding the...

above referenced complaint, I have thoroughly investigated Ms. [redacted]'s complaint. Attached is a statement from, [redacted], District Supervisor. Should you have any questions, please feel free to contact me at [redacted], extension 159. This statement is in regards to Revdex.com customer complaint from [redacted].On June 14, 2015, customer [redacted] indicates she was harassed by manager and assistant manager. When I spoke to the customer on 6/15/16, she told me that she had spoken with the manager ([redacted]) and made arrangements with him. And, that she did not have a problem with him ([redacted]). The next day she received a call from the assistant manager [redacted] Herrera and she said that she told [redacted] (assistant manager) that she already made arrangements with the manager [redacted].I apologized and explained to Ms. [redacted] that at the time there was a real bad storm that passed through Kingsville, TX, and the power was out and phone lines were down from 6/1­6/3/16, and the manager was not able to put in any notes into our computer system, receive any calls, or make any phone calls due the phone lines being down. And the assistant manager ([redacted]) was in Corpus Christi, TX working out of that branch. Ms. [redacted] was understanding and also said that her place of employment was literally right next door, and her power was off as well, due to the bad storm.Customer [redacted] also stated that she tried speaking with them to make payment arrangements until her next payday- When I spoke to Ms. [redacted] I asked her when she was going in, so that we can assist her with her payment. She told me they worked with her and manager ([redacted]) worked with her on her payment due to the storm, most of Kingsville electricity was off, and she was not able to pull money from ATM. After, reviewing her account I did see that the manager made several payment arrangements with [redacted].Customer [redacted] also stated harassing her references- When speaking with Ms. [redacted] she told me that she did not want us contacting her references. After reviewing Ms. [redacted]'s account based on our records we called her reference on time, and we have alerted the account so that references will not be contacted any longer. July 6, 2016 Page 2 of 2As discussed with Mrs. [redacted] we will honor her request not to make contact with her references. It appears there has been some back and forth discussion that have led to this customer complaint. I have discussed this with our Manger and identified the lack of communication amongst one another, based on customer complaint, it is not within our "Credit Central Culture" and this is not the response that would be expected of a Credit Central employee. Reviewed and discussed with Employees how this would be expected to be taken care of, if any future discussion of this nature would take place.

For the records this is to advise you that I have spoken with [redacted] by phone on Friday March 14th and we discussed his concerns regarding the alleged harassment by our [redacted]...

[redacted] and I also discussed the events that happened on March 6th and 13th where on both occasions he was placed on hold for an extended period of time without receiving the information he requested on his account or the number where he could reach the supervisor.
In our conversation, I assured [redacted] that it is not our intention to treat our customers in the manner he was professing or forcing any customer to pay. All employees are instructed that the phone number to the district supervisor or corporate office upon request by a customer should always be provided. I apologized for our [redacted] not returning his call in a timely manner and I assured [redacted] that when he calls the office in the future regardless of who takes care of the call he would be treated in a professional & respectful manner. We also discussed the important of making his payments on time or working out suitable arrangements with the [redacted].
I asked [redacted] if I had addressed all his concerns with our company and he stated yes. He stated all he wanted was to be heard or for someone to listen to him. This complaint is considered resolved.
Should you have any questions, feel free to contact me at [redacted].