Crestline Finance Reviews (%countItem)
Crestline Finance Rating
Address: 5165 Emerald Pkwy Ste 100, Dublin, Ohio, United States, 43017-1063
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DON'T DO IT!!!!, It's not worth the headache, find some other means, went through them in early July via a check cashing/payday loan store. The clerk was really trying to sell me on this as if she was getting a commission for everyone she signed up. So I figured I'd take the bait and signed up, got approved for 700.00 but only requested 300.00, after fees and interest, I owed them 336.00, I don't recall if I was given a disclosure notice to read, all they had me do was provide about three signatures. I asked about the paperwork and they told me that I can view the document(s) by logging in to my account, Seemed a little odd to do this kind of transaction that way but it was done and I left. Got home and decided to log into my account to check out the docs and to my surprise, it's not what they make it seem to be. As long as you have that account open whether you take money or not, they will slap you with an annual fee with interest so it was my mission to pay these people off and not use them anymore. Fast forward to the end of July, I go into the check cashing store to pay off the line of credit and close the account, the 336 I thought owed had grown to 339.50 (interest I guess), I was a little irritated with that but I was determined to be done with this mess. I told the clerk I wanted to close the account and she told me I would have to pay an additional 31.00 to close the account. WHAT!!! I told her that was crazy but I paid it because I wanted nothing else to do with this shake down. I then asked the clerk if the account was closed and she said it was but lo and behold it was not. What they don't tell you is that even though you closed the account through the originator (store where you applied for the line of credit) You have to contact crestline via email and request the account be closed or you will continue to rack up fees and interest. After sending an email to them, I contacted them via telephone three times to ensure that my account was closed and they said it was. Save yourself a headache and don't sign up for this but if you decide to, be forewarned, it is not as cut and dry as they try to make it. There are associated fees that they don't come right out and tell you about so think about it before you take the plunge.
was apayday loan operation. Now they only offer lines of credit through G *** (DBA as Crestline Finance). This company charges an annual fee of $150 for access to the credit line, something many people miss when they sign up. I ws aware of it when I used their services in 2019 and paid the fee. However, I DID NOT RENEW for 2020. Yet they continue to call home and harass my wife while I am at work wanting their fee for this year. In March, I paid what they said I owed for a partial term and also submitted in writing at the *** location that I did not want to continue as a crestline customer and did not wish to renew the line of credit. Now the harassing calls are coming again. What part of NO do they not understand?
Tell us why here...July
6, 2020RE: Revdex.com Complaint IDThank
you for the opportunity to respond to the complaint filed by ***
(Complainant). Crestline
Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan and is
now receiving phone calls stating outstanding fees are due. The Complainant
states he does not wish to renew the line of credit. Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that on September 26, 2019, the Complainant executed one loan in
the form of a Line of Credit Agreement for $1101.00 with G *** LLC
d/b/a Crestline Finance. As part the origination process, Crestline Finance
presents consumers the agreement which includes the Federal Truth in Lending
Disclosures and other disclosures including, specific to this complaint,
interest, fees, security, payment authorization, and information on how the
consumer can opt-out of the payment authorization. The agreement shows the required
Security, the $150.00 Annual Fee for the first year, and the $10.00 Credit
Investigation fee. The consumer may elect to pay or finance the Security and
fees at origination.As of June
30, 2020, Crestline Finance has not charged the Complainant any additional fees
aside from those listed in the statement above. The Complainants outstanding balance breaks down as follows:$5.00 Collateral
balance (interest bearing)$9.41 Unpaid
balance of the Annual Fee$5.81 Unpaid
balance of the Credit Investigation Fee $16.89 Accrued
Interest (daily accrual)Once the
remaining fees and interest have been paid and the Complainant informs
Crestline Finance in writing of a request to close the line of credit, no
further interest will accrue. The request for account closure can be sent to Crestline
Finance, Attn: Customer Service***.We hope
that we have fully addressed the complaint.Sincerely,Customer Care P.O.
Box 177Dublin,
Ohio 43017
Complaint: ***
I am rejecting this response because: I wa informed of the annual charge. That is not the point. I paid the $150 fee in full when I opened the line of credit and did not renew it. This is the same line they gave me in March when I paid $17.25, payment receipt *** on account ***. they told me then if I paid that amount that would satisfy them and close my account. Now they still want more money for nothing. It will just never stop.
Regards
This company is essentially stealing from people and extorting money from those seeking a quick loan. I borrowed $500, only received $475 and was told to pay back $550. Then I get a “statement” that is an annual fee of $25, interest on that, a 10% processing fee to pay the bill and another $2. charge! Now, I’m not new and know to read the fine print but after reading through all of the finer print and continuing through the jargon it was still NOT made clear of these additional fees or charges. Nor is it very clear that this is a very expensive line of credit.
JUST DON’T TAKE THE LOAN! This company is scamming people out of their money and because it’s written somewhere in the tiny font of 14 pages you won’t win.
This is the worst finance company I have ever encountered!! You are also having to pay a 10% fee for making a payment which is outrageous so you are paying back your loan with interest and having to pay an additional 10% fee on top of that! Also once you pay off your balance there is a annual fee that you are charged and this line of credit remains open . If you don’t pay off the annual fee and leave the line of credit open it will report as a negative on your credit report as a default credit!!!!!!! What the heck!!! This company does not give you an option to close the line other than sending a WRITTEN REQUEST!!! They are nothing but a ripe off and should be shut down!!!!!!
I paid off a loan at *** a few months ago. No one said anything about additional interest. Since then, I have gotten harassing phone calls to my office and my home. They are even calling my family. I do not owe them any additional money. Last time I talked to a man who said he would mark my account as "refusal to pay". He said that if I had wanted to close the account I should have put it in writing. No one ever told me that. Tonight a woman I talked to said I owed the money and they would keep calling. I'm not talking to them anymore and not answering. They need to stop calling.
Tell us why here...June
16, 2020RE: Revdex.com Complaint IDThank
you for the opportunity to respond to the complaint filed by ***
(Complainant). Crestline
Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan and after
paying the loan off were informed of outstanding fees and interest due that she
was not informed about upfront. The Complainant also states she has received
harassing phone calls.Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that on July 29, 2019, the Complainant executed one loan in the
form of a Line of Credit Agreement for $1101.00 with *** d/b/a
Crestline Finance. As part the origination process, Crestline Finance presents consumers
the agreement which includes the Federal Truth in Lending Disclosures and other
disclosures including, specific to this complaint, interest, fees, security,
payment authorization, and information on how the consumer can opt-out of the
payment authorization. The agreement shows the required Security, the $150.00 Annual
Fee for the first year, and the $10.00 Credit Investigation fee. The consumer
may elect to pay or finance the Security and fees at origination.As of June
11, 2020, the Complainants outstanding balance breaks down as follows:$5.00 Collateral
balance (interest bearing)$53.41 Unpaid
balance of the Annual Fee$4.15 Unpaid
balance of the Credit Investigation Fee $49.33 Accrued
Interest (daily accrual)$15.00 Late Fee
Once the
remaining balance is paid and the Complainant informs Crestline Finance in
writing of a request to close the line of credit, no further interest will
accrue. The request for account closure can be sent to Crestline Finance, Attn:
Customer Service, P.O. Box 177, Dublin, Ohio 43017.We hope
that we have fully addressed the complaint.Sincerely,Customer Care P.O.
Box 177Dublin,
Ohio 43017
I took a loan from *** and asked what I owed and paid them off in full on may 3rd 2020. Now I am getting a bill for from crestline 58.87 to close this account. I was never told this by *** that I would have to pay these fees as they told me I paid it in full. So I call *** and they said that I signed a paper agreeing to this. I signed about 10 different papers with so much documentation that was impossible to read while being rushed. I trusted them. They told me I was paid in full. And now they are still wanting more money from me to exit this contract.
May
26, 2020RE: Revdex.com Complaint IDThank
you for the opportunity to respond to the complaint filed by *** (Complainant). Crestline
Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan and after
paying the loan off were informed of outstanding fees and interest due that she
was not informed about upfront. The Complainant also states she did not receive
a written contract or verbally explained all the details of the loan.Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that on September 3, 2019, the Complainant executed one loan in
the form of a Line of Credit Agreement for $1101.00 with *** d/b/a Crestline Finance. As part the origination process, Crestline Finance
presents consumers the agreement which includes the Federal Truth in Lending
Disclosures and other disclosures including, specific to this complaint,
interest, fees, security, payment authorization, and information on how the
consumer can opt-out of the payment authorization. The agreement shows the required
Security, the $150.00 Annual Fee for the first year, and the $10.00 Credit
Investigation fee. The consumer may elect to pay or finance the Security and
fees at origination.As of May
21, 2020, the Complainants outstanding balance breaks down as follows:$700.00 Collateral
balance (interest bearing)37.50 Unpaid
balance of the Annual Fee2.49 Unpaid
balance of the Credit Investigation Fee 18.41 Accrued
Interest (daily accrual)Once the
remaining balance is paid and the Complainant informs Crestline Finance in
writing of a request to close the line of credit, no further interest will
accrue. The request for account closure can be sent to Crestline Finance, Attn:
Customer Service, ***.We hope
that we have fully addressed the complaint.Sincerely,Customer Care P.O.
Box 177Dublin,
Ohio [email protected]
I was told I was paid in full by ***, they never told me I owed any more money to another party. Had I known I would of never agreed to this loan from ***. *** just tells you to sign all the paperwork and never said anything about oweing a third party any money after I paid them in full. I've been to many cash advance places and never heard of such a thing. *** is at fault for not informing me of these charges and telling me to sign all this paperwork in a hurry from the beginning without informing me that a third party would come after me for more money. *** said I'm paid in full, Crestline needs to get that money from *** that they feel they are owed for not bringing this to the customers attention from beginning.
In January of 2020. I took out a loan which I paid back on time. Once the loan was paid in full I assumed the account was closed with no additional fees. Lately, I have been getting calls from Creastline Financial regarding fees the company says I owe. I was never made aware that this account would stay open for 1 year or of an annual fee. Due to the annual fee not paid. I have accrued interest. The customer service rep at California Check Cashing explained this to be similar to a paid day advance. I was not given a written contract or verbally explained all the details of this loan.
May
22, 2020Revdex.com 1169
Dublin RoadColumbus,
OH 43215RE: Revdex.com Complaint IDRevdex.com Dispute Resolution Team:Thank
you for the opportunity to respond to the complaint filed by Ms*** (Complainant). Crestline
Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan and after
paying the loan off were informed of outstanding fees and interest due that she
was not informed about upfront. The Complainant also states she did not receive
a written contract or verbally explained all the details of the loan.Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that on December 29, 2019, the Complainant executed one loan in
the form of a Line of Credit Agreement for *** with Green Bear California
LLC d/b/a Crestline Finance. As part the origination process, Crestline Finance
presents consumers the agreement which includes the Federal Truth in Lending
Disclosures and other disclosures including, specific to this complaint,
interest, fees, security, payment authorization, and information on how the
consumer can opt-out of the payment authorization. The agreement shows the required
Security, the Annual Fee of up to 5% of the credit limit (***) for the first
year. The consumer may elect to pay or finance the Security and fees at
origination. Additionally the Crestline product affords all customers access to
their signed agreements via the portal. As of May 16,
2020, the Complainants Line of Credit is now with Insight Capital who can be
reached at 833-774-6744. Any questions about the Complainant’s account needs to
be discussed with Insight Capital, as Crestline Finance no longer owns the
account.We hope
that we have fully addressed the complaint.Sincerely,Customer Care P.O.
Box 177Dublin,
Ohio [email protected]
called the business they said I owed 192.00 a month for a line of credit. I owe them nothing and told them I want to close my line of credit account. I was told to go to *** and pay 34.00 and the line of credit would be closed. they told me when I returned home to call crestline to confirm the account would be closed. after talking to another person at the company he said we would have to pay another 154.00$ by tomorrow to close the account.I however think he is lying to us.
May
19, 2020RE: Revdex.com Complaint IDRevdex.com Dispute Resolution Team:Thank
you for the opportunity to respond to the complaint filed by Mr. ***
(Complainant). Crestline
Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant claims he was misinformed about the amount needed to close his line of
credit as well as the process to close the line of credit.Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that on February 26, 2020, the
Complainant executed one loan in the form of a Line of Credit agreement for $1,101.00 with Green
Bear Ohio LLC d/b/a Crestline Finance. As part the origination process,
Crestline Finance presents consumers the agreement which includes the Federal
Truth in Lending Disclosures and other disclosures including, specific to this
complaint, interest, fees, security, payment authorization, and information on
how the consumer can opt-out of the payment authorization. The agreement shows
the required Security, the $150.00 Annual Fee for the first year, and the
$10.00 Credit Investigation fee. The consumer may elect to pay or finance the
Security and fees at origination.As of May 13,
2020, the Complainants Line of Credit is paid in full and closed. The
Complainant has no further obligations to Crestline Finance. We hope that
we have fully addressed the complaint.Sincerely,Customer Care
I took loan from checksmart like few years before, *** ,and they give me *** because *** was a fee and *** was put on debit card. Two weeks later on my pay day I pay everything back. she say I pay off everything ,two weeks later they call and say I own the annually fee for year ,because I open a line of credit. So I say I want pay off everything now. they tell me will be *** plus fee for transaction and interest ,all together end up $***which I pay off .Then they tell me I have to sent a email to crestline finance costumer service authorization of intent to closed the account.When I try to do that it is no such a thing like that. So means I cant close account with them even I pay off everything. Please help me.
Tell us why here...May
13, 2020Revdex.com 1169
Dublin RoadColumbus,
OH 43215RE: Revdex.com Complaint IDRevdex.com Dispute Resolution Team:Thank
you for the opportunity to respond to the complaint filed by *** (Complainant). Crestline
Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan and after
paying the loan off were informed of outstanding fees interest due that she was
not informed about upfront. The Complainant also states she does not understand
how to close the account.Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that on March 20, 2020, the Complainant executed one loan in the
form of a Line of Credit Agreement for $1101.00 with Green Bear Ohio LLC d/b/a
Crestline Finance. As part the origination process, Crestline Finance presents consumers
the agreement which includes the Federal Truth in Lending Disclosures and other
disclosures including, specific to this complaint, interest, fees, security,
payment authorization, and information on how the consumer can opt-out of the
payment authorization. The agreement shows the required Security, the *** Annual
Fee for the first year, and the *** Credit Investigation fee. The consumer
may elect to pay or finance the Security and fees at origination.As of April
29, 2020, the Complainants Line of Credit is paid in full and closed with an
over payment of *** The overpayment will be sent to the complainant in the
form of a check to the provided address. The Complainant has no further
obligations to Crestline Finance.We hope
that we have fully addressed the complaint.Sincerely,Customer Care P.O.
Box 177Dublin,
Ohio 43017
This is the worst company I have ever encountered in life. They do not share true and complete information, On top of that, they lie then deny. I was told I had a 10 day grace period beyond my due date to pay them off in full. Of course that was not true, the ran my ach anyway and caused my
account to be overdrawn and bounce checks. When I spoke to management they refused to take responsibility for what was told. I hope they are run out of business for taking advantage of american people.
I borrowed ***rom Crestline Finance through Check Smart. I was told that I had to pay back *** on May 3, 2020. They charged me *** for more interest. I paid the loan off before it was due. I was told by Check Smart that I had to call Crestline Finance Customer Service. I called Crestline Customer Service and they informed me I needed to send a e-mail to Crestline Finance within 7 days from the time I paid the loan off or I would be charged interest. I had to send the e-mail stating to cancel my line of credit. I have sent 2 e-mails and Crestline has not responded. I will be sending 3 e-mails a day to Crestline Finance until they return my messages. I owe Crestline Finance no money.
May
8, 2020RE: Revdex.com Complaint IDThank
you for the opportunity to respond to the complaint filed by ***
(Complainant). Crestline
Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan for
$285.00 and paid it off. The Complainant states she was informed to email
Crestline Finance in order to close the account. The Complainant states she has
sent two emails to Crestline Finance requesting to cancel the line of credit
but has not received a response back. Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that on April 3, 2020, the Complainant executed one loan in the
form of a Line of Credit Agreement for $1101.00 with *** d/b/a
Crestline Finance (attached). As part the origination process, Crestline
Finance presents consumers the agreement which includes the Federal Truth in
Lending Disclosures and other disclosures including, specific to this
complaint, interest, fees, security, payment authorization, and information on
how the consumer can opt-out of the payment authorization. The agreement shows the
required Security, the $150.00 Annual Fee for the first year, and the $10.00 Credit
Investigation fee. The consumer may elect to pay or finance the Security and
fees at origination.Crestline
Finance received the Complainants email requests to cancel the account on May
1, 2020 and on May 4, 2020. The Complainants line of credit account was notated
and closed immediately upon receiving the request. As of May 1, 2020, the Complainants
Line of Credit is paid in full and closed with an over payment of $13.33. The
overpayment will be sent to the complainant in the form of a check to the
provided address. The Complainant has no further obligations to Crestline
Finance. We hope
that we have fully addressed the complaint.Sincerely,Customer Care P.O.
Box 177Dublin,
Ohio [email protected]
Tell us why here...May
8, 2020Revdex.com 1169
Dublin RoadColumbus,
OH 43215RE: Revdex.com Complaint IDRevdex.com Dispute Resolution Team:Thank
you for the opportunity to respond to the complaint filed by *** (Complainant). Crestline
Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan for
*** and paid it off. The Complainant states she was informed to email
Crestline Finance in order to close the account. The Complainant states she has
sent two emails to Crestline Finance requesting to cancel the line of credit
but has not received a response back. Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that on April 3, 2020, the Complainant executed one loan in the
form of a Line of Credit Agreement for *** with Green Bear Ohio LLC d/b/a
Crestline Finance (attached). As part the origination process, Crestline
Finance presents consumers the agreement which includes the Federal Truth in
Lending Disclosures and other disclosures including, specific to this
complaint, interest, fees, security, payment authorization, and information on
how the consumer can opt-out of the payment authorization. The agreement shows the
required Security, the *** Annual Fee for the first year, and the *** Credit
Investigation fee. The consumer may elect to pay or finance the Security and
fees at origination.Crestline
Finance received the Complainants email requests to cancel the account on May
1, 2020 and on May 4, 2020. The Complainants line of credit account was notated
and closed immediately upon receiving the request. As of May 1, 2020, the Complainants
Line of Credit is paid in full and closed with an over payment of *** The
overpayment will be sent to the complainant in the form of a check to the
provided address. The Complainant has no further obligations to Crestline
Finance. We hope
that we have fully addressed the complaint.Sincerely,Customer Care P.O.
Box 177Dublin,
Ohio [email protected]
Consumer copied Revdex.com on a letter to the business - the text of the letter has been copied below:April
27, 2020On January 29, 2020 I borrowed,! believe$400.00. I went into the *** in ***,Ohio to do my regular borrow some cashand pay it back with fees and interest which I did in Februarywhen it was due. I was told on that day if I sent a check into *** I wouldn't have to pay the additional fee. So that is what I did for my next $400 that
I borrowed. Still at this time I believed I was stil lon the same loan agreement that I had been familiar with for years. I was not told in person of the annual charge for this loan continuing for the year. Yes, I am now aware it is in the paperwork that I signed but I feel I was misled at the time of my first 400 loan now that it is now joined with ***. The employees need to make sure the customers are aware of this change verbal instead reading a contract that is on a small pad the size of a Iphone screen, I feel they know the people who come in for this fast cash need it and you can get away with catching us off guardof the change,j ust like what happened to me. This needs to be a highlighted agreement to previous customers like myself who has borrowed from Check Smart for years.I sent a check then in March for $400.00 Check $764 on March 13th, which at that time I thoughtI was all paid up since that's what I was told at the store in ***, until I looked at my statement and saw I still had an amount due. This was the annual fees that I was not properly pointedout to me on this new agreement.After a couple of disturbing phone calls I found that I can not get out of this year's agreement which I do not agree with. That is why I am writing this letter to ***, Check Smart and a copy of the Revdex.com.Since I was not going to get out of this agreement I borrowed another$300 since I was getting charged for the service. Well, another disturbing and misleading conversation this time with someone from ***.I was goingto send in my $300.00 plus the fee charge of like 30 something dollars cant remember the exact amount I was quoted I would owe on my due date. During this conversation I was told I would only save like 2 to 3 dollars if I
sent a check through the mail virus to my debit card over the phone. So I decided to just do it ove rthe phone and of course my $332 dollar became$361.96 for the charge of the phone that I was not told would occur.So after this very disturbing business call with your agency I am requesting a waiver of the rest of my annual fee. I have been misled by the store Check Smart in ***, Ohio and now a phone conversation with *** that did not add the additional $61.96 fee to my $300 loan that could have been 30 dollars cheaper. I borrow this money because I am hurting for money to pay bills so this 30 dollars is a big chunk to me.I appreciate a response back from you in regards to this waiverof the balance of the annual fee, I am not going to borrow from your company again or recommend anyone to borrow money from your agency. I also am going to make sure that the Credit Business Bureau is aware of how unprofessional,
knowledge your employees are with their customers. Thank you for you rcooperation in this matter and I wait for a positive and encouraging response from your agency. Cc:
Revdex.comCheck Smart, ***, Ohio
May 8,
2020RE: Revdex.com Complaint IDThank you for the opportunity to
respond to the complaint filed by *** (Complainant). *** Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan on January
29, 2020 for $400.00. They were later told of an outstanding annual charge
continuing for the year that the Complainant states were never informed upfront
about. The Complainant then states that they completed another draw for an
additional $400.00 which was subsequently repaid, and another $300.00 charge
that was repaid with payment processing fees. The Complainant also states that
while making payments on the loan they feel mislead about what the fees are for
making the payment either in store, over the phone, or by check in the mail.
The Complainant requests the remaining annual fee balance to be waived.***
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that on January 29, 2020, the Complainant executed one loan in the
form of a Line of Credit Agreement for $1101.00 with *** d/b/a
*** Finance (attached). As part the origination process, ***
Finance presents consumers the agreement which includes the Federal Truth in
Lending Disclosures and other disclosures including, specific to this
complaint, interest, fees, security, payment authorization, and information on
how the consumer can opt-out of the payment authorization. The agreement shows the
required Security, the $150.00 Annual Fee for the first year, and the $10.00 Credit
Investigation fee. The consumer may elect to pay or finance the Security and
fees at origination.All
conforming payments are outlined in the agreement provided to the Complainant
at time of origination, and uploaded to the customer portal, additionally, the
associate informed the Complainant of the option to avoid the third party
payment processing fee, which the customer executed the following month on
March 12, 2020.As of May 8,
2020, the Complainants Line of Credit is paid in full and closed. The
Complainant has no further obligations to *** Finance.We hope
that we have fully addressed the complaint. Sincerely,Customer Care
May 18, 2020 12:15 PM “The consumer indicated by phone that the company resolved the complaint.”
Horrible business. I loaned through Cash Max in Bellefontaine, OH. I called them for my payoff and I paid it off over the phone on March 28th. NOTHING was said about this "cost of line of credit". I am thinking that I am done with this crap. A month later I get a call saying I owe 4 payments of $28.94 to "pay off" this line of credit. And then when it is paid off I need to send them an e-mail to tell them to close the account or I will get billed for another year for this "Line of Credit". Surely this cannot be legal!!!
I recieved a loan from *** and paid it off in full. Now I find out that I still have to pay intrest to crestline for a loan that is paid off. I paid intrest the entire time of the loan, only to have to continue to pay interest after it's paid off? Something isn't right. Crestline is the poster child of a loan shark.
May
5, 2020RE: Revdex.com Complaint IDThank
you for the opportunity to respond to the complaint filed by ***
(Complainant). Crestline
Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan and after
paying the loan off were informed of outstanding interest due. The Complainant
states he does not understand why interest must continue to be paid when the
loan is paid off. Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that on November 12, 2019, the Complainant executed one loan in
the form of a Line of Credit Agreement for $1101.00 with ***
d/b/a Crestline Finance (attached). As part the origination process, Crestline
Finance presents consumers the agreement which includes the Federal Truth in
Lending Disclosures and other disclosures including, specific to this
complaint, interest, fees, security, payment authorization, and information on
how the consumer can opt-out of the payment authorization. The agreement shows the
required Security, the $150.00 Annual Fee for the first year, and the $10.00 Credit
Investigation fee. The consumer may elect to pay or finance the Security and
fees at origination.As of April
30, 2020, the Complainants outstanding balance breaks down as follows:$600.00 Collateral
balance (interest bearing)87.50 Unpaid
balance of the Annual Fee5.81 Unpaid
balance of the Credit Investigation Fee 18.15 Accrued
Interest (daily accrual)Once the
remaining balance is paid and the Complainant informs Crestline Finance in
writing of a request to close the line of credit, no further interest will
accrue. The request for account closure can be sent to Crestline Finance, Attn:
Customer Service, ***.We hope
that we have fully addressed the complaint.Sincerely,Customer Care
My story is the same as every one on here. Got a ***oan, paid it off 2 weeks later. Got another one for *** immediately, paid that one off on time. At that point, I should’ve been done with these people. Thought I was until they called me 2 months later talking about I owe ***Not one time was any other fees discussed with me.
Each response to these complaints from them are exactly the same. Pre written canned responses. Sorry, but you can’t say all 27 complaints about the EXACT SAME THING are false. And that 27 people are lying about not being told about extra recurring fees. I feel bad for the ones owing ***, *** or more. I was only told I owe *** It’s gonna be a much bigger bill I imagine because there is no way in (Word rejected) I will pay this bogus charge. You take money out MY account unauthorized, especially NOW, when almost the entire country is not working due to a pandemic and people everywhere dying....oh (word rejected) no. You trying to rob the wrong (word rejected) for that lil ***. Your employee had MULTIPLE opportunities to tell me about this fee; during the first loan I came in to get, when I came in to pay it off, when I got the second loan (immediately after paying the 1st), or even when I returned to pay off that one. Not one word was mentioned. Now I guess I’ll receive the same canned response, saying that I was “well aware” of these fees. But I can promise you, if I was, if ALL OF THESE COMPLAINING CUSTOMERS were aware of these hidden fees, we would not be taking the time to complain to the Revdex.com, all 27 of us having the same (Word rejected) experience. Y’all need to be shut down and I’m confident it won’t be long at all till your days of robbing financially vulnerable people comes to an abrupt end. You are pathetic to think you can keep getting away with it. Might as well start snatching purses from little old ladies in the parking lot. There’s absolutely no difference in what you’ve done, other than that the government and your consumers have let you get away with it. And that you’re callous enough to try and fraudulently collect money from people at a time when peoples loved ones are dying and we can’t even leave our homes...just disgusting.
Tell us why here...May
4, 2020Revdex.com 1169
Dublin RoadColumbus,
OH 43215RE: Revdex.com Complaint IDRevdex.com Dispute Resolution Team:Thank
you for the opportunity to respond to the complaint filed by Ms. Lisa Gvetadze
(Complainant). Crestline
Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained two loans in
the amount of *** and *** respectively, they were not advised of fees associated
with the loan, and that Crestline Finance withdrew money from Complainant’s
account without authorization.Our
records show that on January 27, 2020, the Complainant executed one loan in the
form of a Line of Credit Agreement for *** with Green Bear Ohio LLC d/b/a
Crestline Finance (attached). As part the origination process, Crestline
Finance presents consumers the agreement which includes the Federal Truth in
Lending Disclosures and other disclosures including, specific to this
complaint, interest, fees, security, payment authorization, and information on
how the consumer can opt-out of the payment authorization. The agreement shows the
required Security, the *** Annual Fee for the first year, and the *** Credit
Investigation fee. The consumer may elect to pay or finance the Security and fees
at origination.The
Complainant made three draws on that line of credit:*** Jan 27,
2020 Loan
Collateral *** Jan 27,
2020 Customer
Advance*** Feb 14,
2020 Customer
AdvanceThe Loan
Collateral draw remains outstanding as Security in accordance with the Line of
Credit Agreement. As of April 28, 2020, the Complainant’s amount due is *** which includes:*** Unpaid
balance of the Annual Fee*** Unpaid
balance of the Credit Investigation Fee *** Accrued
Interest (daily accrual)We hope
that we have fully addressed the complaint.Sincerely,Customer Care P.O.
Box 177Dublin,
Ohio [email protected]
Crestline FinanceMay 12, 2020 11:15 AM
My name is *** My complaint is with Check Smart. I've dealt with them over a year. Always paid my account. The last loan I had I paid them. A month later they called me, said I owed them ***. I asked why, they said I had to pay to get out of what they say is a contract. They never did that before. I told them how much first, she said ***, then *** They did not explain that to me when I got the loan and when I got the loan for *** They charged me *** to get the check cashed which was not explained either. They were paid *** and I paid the *** Need your help.
Their address:
Check Smart #294
1216 Tiffin Ave.
Findlay, Ohio 45840
***
Crestline Lender ***
Payee - Green Bear Ohio LLC
dba Crestline Finance
US Alliance Group Inc.
dba LevLpay
April
21, 2020Revdex.com 1169
Dublin RoadColumbus,
OH 43215RE: Revdex.com Complaint IDRevdex.com Dispute Resolution Team:Thank
you for the opportunity to respond to the complaint filed by *** (Complainant). Crestline
Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan and
were later told of outstanding interest and fees due after the Complainant
believed to have paid the loan off in full. The Complainant stated they were never
informed upfront about additional charges.Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that the Complainant agreed to terms of a line of credit on January 13, 2020 with
Green Bear Ohio LLC d/b/a Crestline Finance for ***.
As part of the process of requesting a line of credit, consumers are presented
with the agreement which includes the Federal Truth in Lending Disclosures, and
outlines all fees associated with the Line of Credit. As shown on the line of
credit agreement, the Annual Fee is *** for the first year of the credit
line and the Credit Investigation fee is $10.00, these fees can either be
financed, or paid at the time of origination. As of April
21, 2020, the Complainants Line of Credit is paid in full and closed with an
over payment of $5.75. The over payment will be sent to the complainant in the
form of a check to the provided address. The Complainant has no further
obligations to Crestline Finance. We hope
that we have fully addressed the complaint.Sincerely,Customer Care P.O.
Box 177Dublin,
Ohio [email protected]
in February, I went into a check cash facility called CashMax for a cash advance to pay a contractor to finish his job since the banks were closed. The young lady behind the counter told me that she could assist me. I signed one piece of paper and initialed it and then signed the keypad at their counter and hit the green button. She told me I had 2 weeks to pay back the advance in full and gave me the cash I needed. I did not get any paperwork, just the cash and the receipt from the her cashing the 'check'. She told me I could go online and pay my payment if I did not want to come into the store. I tried, but I was not given an account number to confirm my customer account, so I went back to the Facility and paid my advance in full. When I was paying the amount due, she asked me if I wanted to re-borrow the amount and I said "No, this was just a one time thing. I wont need to borrow money again." Then the young lady said "Okay, then I will close your account." After she handed me my receipt of repayment on the advance, I asked again for clarification that my account was closed and she dd not need me to sign anything. She said "no, you're good to go." a month later I get a phone call stating I had a payment due in 2 days, when I explained to her that I paid it in full, she said "no you have a line of credit that is opened for a full year and it has a monthly payment due of ***" I was confused, because I had no idea what she was talking about. She then argued with me that I signed the documents and agreed to the terms of the loan. I had no paperwork of the loan agreement, nor did I sign 7 pages and agree to it. She apologized to me and proceeded to tell that to close my account I needed to pay the amount in full and write a letter stating that I no longer wish to have my line of credit opened. After talking to the Crestline Finance call center and supervisor on duty, Randy, it was implicated that it was the underwriters fault and not the loan companies. I talked to the district manager of checksmart, Faye, and she said that the account is with Crestline and not them and that it would be up to them to close my account or figure out something else. So no one has taken blame, even though, Faye said she got a confession from the employee about her not explaining to me what the transaction truly was and for not making sure I had all necessary documents about my loan. After 3 days of trying to figure out what was going to happen with this account, I was told by Randy, Crestline Finance, that my account is going to stay active and I have to pay them to close it and that if I did not it was going to go to collections. He also said he sent my file to the "high ups" and they would contact me if they felt like my account needed to be addressed. I have been used, misspoken too, threatened, and scammed by both Crestline Finance and Checksmart. Borrowers beware. I should not have to pay for something that I had no knowledge of being done. it even took me 7 phone call conversations to get my account number with Crestline to be able to log into the customer portal website to see what account my name and social is attached to. This was my first time ever going to a place like this, and it is the last time. I will be seeking legal advise and action along with the *** office will be notified with this complaint. This complaint will also be on CheckSmart, Community Choice Financial.
Tell us why hereApril
20, 2020Revdex.com 1169
Dublin RoadColumbus,
OH 43215RE: Revdex.com Complaint IDRevdex.com Dispute Resolution Team:Thank
you for the opportunity to respond to the complaint filed by *** (Complainant). Crestline
Finance appreciates the role of the Revdex.com in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan and
were later told of outstanding interest and fees due after the Complainant
believed to have paid the loan off in full. The Complainant stated they were never
informed upfront about additional charges.Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that the Complainant agreed to terms of a line of credit on February 29, 2020 with
Green Bear Ohio LLC d/b/a Crestline Finance for $501.00.
As part of the process of requesting a line of credit, consumers are presented
with the agreement which includes the Federal Truth in Lending Disclosures, and
outlines all fees associated with the Line of Credit. As shown on the line of
credit agreement, the Annual Fee is *** for the first year of the credit
line and the Credit Investigation fee is *** these fees can either be
financed, or paid at the time of origination. As of April
20, 2020, the Complainants Line of Credit has been paid in full and is closed.
The Complainant has no further obligations to Crestline Finance.We hope
that we have fully addressed the complaint.Sincerely,Customer Care P.O.
Box 177Dublin,
Ohio [email protected]...
Revdex.com:
I reviewed the response made by the business in reference to complaint ID, and find the resolution is satisfactory to me.
Regards
Terrible!!! Avoid at all costs! I borrowed from from a pay day loan twice and paid it in full however many months later I continue to get calls from crestline saying I owe them an annual fee even if I’m not borrowing any money. I have to pay almost $200 to close this “ line of credit” that I don’t use otherwise I will continued to be charged interest on the equity of the line of credit that’s available!?! Really so I’m being charged interest on a debt I do not have? How is that legal?!? And this fee is in addition to what it costs if you do the pay day loan when you borrow and cash the check.
Consumer states:
"I borrowed ***. pd back ***. They have a *** fee you have a year to pay. Then they want you to pay interest till *** is pd on *** I never borrowed or intend to borrow, never asked for *** amt just . How can they make me pay interest of something I didn't get or intend to get. I told them this & its too bad they say. Never was told about paying on the ***. or I would of never borrowed. Needed it to help bury an ex-husband."
April
7, 2020***
***
***RE: *** Complaint ID ***:Thank
you for the opportunity to respond to the complaint filed by ***Complainant). Crestline
Finance appreciates the role of the *** in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan for
*** and were later told of outstanding interest due on the *** they
never intended to borrow as well as outstanding fees due which the Complainant
states they were never informed upfront about.Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that the Complainant agreed to terms of a line of credit on January 22, 2020 with
*** d/b/a Crestline Finance for *** As part of the process of requesting a line of credit, consumers are presented
with the agreement which includes the Federal Truth in Lending Disclosures, and
outlines all fees associated with the Line of Credit. As shown on the line of
credit agreement, the Annual Fee is *** for the first year of the credit
line and the Credit Investigation fee is *** these fees can either be
financed, or paid at the time of origination. As of April
2, 2020, the Complainants outstanding balance breaks down as follows:*** –
Annual Fee*** –
Credit Investigation Fee*** –
Accrued Interest*** –
Total BalanceWe hope
that we have fully addressed the complaint.Sincerely,Customer Care P.O.
Box
I went in to pay my full balance and it was advised I was paid off I received a call stating that I still owe interest and fees for the year. I was not tolls I had to pay this and would have at that time. With the coronavirus in place I do not have the funds to pay this off and they are not willing to help out at all they are accruing or charging for interest on a balance that has been paid off info they are still adding fees every month and charging interest on fees this is not right and they are not willing to help at all. They were not upfront and clear about this and did this on purpose to continue to charge me interest on a balance that is paid off.
Tell us why here...April
1, 2020***
***
***RE: *** Team:Thank
you for the opportunity to respond to the complaint filed by *** (Complainant). Crestline
Finance appreciates the role of the *** in resolving consumer concerns.
We are happy to provide this response.To
summarize the complaint, the Complainant states that they obtained a loan and
were later told of outstanding interest and fees due after the Complainant
believed to have paid the loan off in full. The Complainant stated they were never
informed upfront about additional charges.Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this line of credit. As
part of the process of requesting a line of credit, consumers are presented
with the contract which must be reviewed prior signing the agreement.Our
records show that the Complainant agreed to terms of a line of credit on September 27, 2019 with
*** d/b/a Crestline Finance for $***
As part of the process of requesting a line of credit, consumers are presented
with the agreement which includes the Federal Truth in Lending Disclosures, and
outlines all fees associated with the Line of Credit. As shown on the line of
credit agreement, the Annual Fee is *** for the first year of the credit
line and the Credit Investigation fee is ***, these fees can either be
financed, or paid at the time of origination. As of
March 26, 2020, the Complainants outstanding balance breaks down as follows:***
Annual Fee*** –
Credit Investigation Fee*** –
Accrued Interest***–
Total BalanceWe hope
that we have fully addressed the complaint.Sincerely,Customer Care P.O.
Box