Crestline Finance Reviews (%countItem)
Crestline Finance Rating
Address: 5165 Emerald Pkwy Ste 100, Dublin, Ohio, United States, 43017-1063
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I don't even have an account or a loan with them and they keep calling me and leaving voicemails. I have never heard of them until they started harassing me.
I went to a third party loan facility called *** where they did not explain exactly what the loan was and entailed. Once I was approved for the loan and received mail from the company I found that I had opened a line of credit worth more than the loan with interest and collateral that they held. After making the payment of the loan the third party company *** was extremely rude and nasty to myself as I did not want to return to any of their stores. When asking what can I do to get out the contract they stated nothing and preceeded with you signed the papers. I called *** to close the account after the full payment posted they stated I needed to pay an additional $175 to end the contract as that is the interest fee, but like I stated I paid the loan in full. They also do not allow a wait to receive a check via mail and take the payment out of your account without your knowledge or no warning. This company has been very rude, nasty and deceiving. When I called I asked to speak to a supervisor and was told theyre all in a meeting and if I want to speak to another representative theyre going to tell me the same thing.
March
11, 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
through a third party facility called ***. Once the Complainant realized
a Line of Credit had been opened, they called *** to find out what can be
done to get out of the contract. The Complainant states they were told to pay
an additional $175.00 to end the contract as this is the interest fee even
though the loan had been paid in full.***
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 30, 2020 with
*** d/b/a *** Finance for
$301.00. 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 $150.00 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.In
order to close the Line of Credit, the Complainant will need to pay off the
remaining balances of the Annual Fee and the Credit Investigation Fee. As of
March 6, 2020, the Complainants outstanding balance breaks down as follows:$137.50-Annual
Fee$9.13-Credit
Investigation Fee$146.63-Total
BalanceWe
hope that we have fully addressed the complaint. Sincerely,Customer Care ***,
***customerservice@***finance.com
I went here as I use to before for a pay day loan and they said we only offer lines of credit now. I said ok so I borrow $100 dollars to have to turn around and pay then entire amount that you were approved for even though you didn't borrow the whole amount. Who the *** does that and on top of that wants you to pay to close it out to no longer use their services they want another$100 close to 200 to get you out of my life. I will never borrow from this place anymore so I see they are creating a lot of enemies and no longer customer's. I called because I paid thee amount to later receive the call that I still owed more money even though you paid your debt. I'm so done and again I called them and I said why would I pay something that I never even received. I doesn't make since and should be ILLEGAL!!!
I came into *** on January 3, 2020 to get a payday loan. She, Shena, said I qualified for a loan of $300.00 and that I would have to pay $348.00 back on February 3,2020. I was sick and did not get back to pay that loan off until February 26, 2020. I then called and asked what my payoff was so I could close this account out. I was then told that my payoff amount was now $357.85 and I had incurred 2 late fees of $16.26 each($35.52). So I said if I bring you $393.37 it would pay off my account. She then informed me that there was an additional Line of credit fee of $150.00 annually and a Credit investigation fee of $10.00 which brought my total payback to a whopping $563.41. I advised her that I only requested a payday loan. She then informed me that they don't do payday loans and that all the fees she listed has to be paid before I could close this account. I am an elderly woman on Social Security. I cannot afford all these hidden cost. This is a big RIPOFF. Help
February 28, 2020RE: Revdex.com Complaint IDThank you for the opportunity to respond to the complaint
filed by *** (Complainant). ***, a member of the Community Choice Financial® family of brands, appreciates the role of the Revdex.com in resolving consumer concerns. We are happy to
provide this response.To summarize the complainant stated they obtained a “loan”
on January 3, 2020, for a principal amount of $300.00, that was due on February
3, 2020, in the amount of $348.00. When repayment was attempted, there were two
late fees for missed payments and a yearly Line of Credit fee of $150.00 added
that the Complainant states she was never informed of. She is requesting the
fee be removed so she can make her payment on the line of credit.For clarification, *** did not make the loan in
question, the line of credit is issued by *** which does
business as Crestline Finance. *** merely provides customers with access
to Crestline Finance’s products. *** is not the lender and is not affiliated with the lender.
Therefore, *** cannot respond to the Complainant’s statements about these
products. *** recommends that she contact Crestline Finance at: Crestline
Finance ***
We hope that we have fully addressed the complaint. Should she
or the Revdex.com require further explanation, we may be reached at [email protected],*** – Consumer Complaints
March
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 on
January 3, 2020, for a principal amount of $300.00, that was due on February 3,
2020.On February 26th, when repayment was attempted, two late charges
were assessed for the missed payments, a yearly Line of Credit fee of $150.00 and
a credit investigation fee of $10.00 were assessed without ever having been informed. 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 6, 2020 with
*** d/b/a Crestline Finance for
$301.00. 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 $150.00 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
today March 6, 2020, the Complainants outstanding balance breaks down as
follows:$300.99 –
Principal (amount borrowed)$150.00 –
Annual Fee$10.00 –
Credit Investigation Fee$30.83 –
Accrued Interest$16.26 –
Late Fee$508.08 –
Total BalanceWe hope
that we have fully addressed the complaint.Sincerely,Customer Care ***[email protected]
Complaint: ***
I am rejecting this response because
Regards, I didn't request a line of credit, I requested a one time payday loan. Which in the past I just paid the $50 fee with the loan amount. Also, $208 is excessive and I feel *** is predatory. I am disabled on social security. They are taking advantage of me.
This company randomly charged my account for $86.04, and I have no idea why I was charged this amount, nor did I authorize this charge, and received no notice of being charged for this amount.
February 27, 2020
RE: Revdex.com Complaint ID 14175705
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 an unauthorized charge was made to his account in the amount of $86.04.A search of our records revealed that the Complainant obtained a line of credit from *** d/b/a Crestline Finance on February 23, 2019. The Complainant’s line of credit account went into default status on February 6, 2020 and no charge was made by Crestline Finance to his account after that date.The Complainant’s account is now with *** who can be reached at ***. Any questions about the Complainant’s account needs to be discussed with ***, as Crestline Finance no longer owns the account. We hope that we have fully addressed the complaint. Sincerely,*** – Consumer Complaints
On December 26, 2019 I went to this location to receive a payday advancement loan. The cashier told me that I could qualify for what they call a " line of credit". I was told that it works just like a payday loan the only difference is I could qualify for a higher loan. The max amount of a payday loan is $300.00, a line of credit can give you up to $700.00. I only qualified for $300.00. What the cashier did not tell me was that I would have to pay interest on this " line of credit" for the next year whether I take out a loan with them or not! Now I am being harassed all day with phone calls from this company telling me they are going to report this to the credit bureau and this is going to affect my credit score. Why should I pay a fee for a year when I already paid my loan back on the date it was due. And why aren't these cashiers trained to explain the whole expectations of the agreement.
February
18, 2020RE: Revdex.com Complaint IDThank
you for the opportunity to respond to the complaint filed by *** (Complainant). ***, a member of the
Community Choice Financial® family of brands, 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 a CCCS employee provided
inaccurate information regarding the line of credit that Complainant originated
on December 26,2019 and that she is now being contacted regarding fees
associated with this credit line, although she contends that it has already
been paid in full.During the
process of obtaining her credit line, Complainant was provided with the
lender’s Account Opening Disclosures, which includes the Federal Truth in
Lending Disclosures, Annual Percentage Rate (APR), finance charge, amount
financed, and total of payments. The lender’s process requires the customer to
review all of these disclosures, before the credit agreement is signed. CCCS is committed to the
development of our agent’s and brought this matter to the attention of the retail
location manager so that the customer service representatives may be given additional
product education.The line
of credit is issued by *** which does business as
Crestline Finance. CCCS merely provides
customers with access to Crestline Finance’s products. CCCS is not the lender and is not affiliated
with the lender. Therefore, CCCS cannot
respond to the Complainant’s statements about the credit line being paid in
full or about calls that she received. CCCS
recommends that she contact Crestline Finance at: Crestline
Finance ***We hope
that we have fully addressed the complaint. Should she or the Revdex.com require further explanation, we may be reached at [email protected],*** – Consumer
Complaints
Complaint: ***
I am rejecting this response because: The cashiers need to be trained to let customers know that theres a fee fir the next year after taking out this loan. They are clearly hiding this information regarding this additional fee for a reason. My decision to opt out of this was taken when that piece of information was not disclosed.
Regards
February
29, 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 Crestline Finance has
misrepresented itself to them regarding paying interest on the line of credit
for a year whether she takes out a loan or not and that she is being contacted
regarding fees associated with this line of credit, although she contends that
it has already been paid in full. Our
records show, that the Complainant agreed to terms of a line of credit on December 26, 2019 with
*** d/b/a Crestline Finance.
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 includes the Federal Truth in Lending
Disclosures, where the APR, finance charge, amount financed, and total of
payments is presented. Crestline Finance does not charge interest after a line
of credit has been paid in full however in the agreement, the Annual Fee, also
referred to as “Membership Fee” is disclosed. As shown on the line of credit
agreement, the Annual Fee is up to 5% of the credit line. In the event of a
failure to make a payment on time, you may be assessed a late fee.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 before the agreement is signed.We
hope that we have fully addressed the complaint. Sincerely,Customer Care ***[email protected]
gave my debt to *** which I understand is Crestline financial as well which upon further research is *** that is the registered Ohio name. That should cause quite a concern within itself why does this company have so many names? They called me on Feb 8 once and I was planning on returning the call and handling the situation but they took money out of my account without my permission on Feb 14th. I'm confused as to how they can do that as a debt collector without informing me first. I got an alert and that's how I found out that my money was gone. I called and the representative was rude and not knowledgeable but this goes back to the shadiness of *** employees when *** came and took over not being trained on the information or what to tell consumers.Literally just stealing the money and say well you knew. It has to be something so consumers don't feel disadvantaged when dealing with the shadiness of these type of companies. How can a person pay off a loan with the fees and then turn around 2 months later and be told there are more fees to be paid. It is wrong morally and bad business practices.
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 *** called her on 02/08/2020, but she
failed to return the call. On 02/14/2020 the Complainant claims ***
took money from her account without her permission. The Complainant claims that
*** was not helpful when she followed up with their office. These complaints are directed at
*** not Crestline Finance. *** can be reached at
.We hope that we have fully
addressed the complaint. Should they or the Revdex.com require
further explanation, we may be reached at [email protected],Customer
Care ***
***[email protected]
I reviewed the response made by the business in reference to complaint ID, and find the resolution is satisfactory to me.
Regards
I had to get a loan to pay for medical bills and prescriptions. I went to Crestline finance to get a loan for $300 to cover the bills. I told them that I receive my *** check on the second Wednesday of the month. I told them I would have the money deposited into my account on 2/12/2020. I went to the bank to get some money for other bills and my account was overdrawn!!! I went back to Crestline finance and told them they drew the money on the WRONG day. They drew the money out on 2/8/2020. I went back to tell them that and asked if the could return/reverse the money withdrawal so I would not be negative causing some possible checks to bounce. I told them I already have to pay an overdraft from *** I was told they didn't do that, even with it being their mistake!!! They told me I could get another loan for 400 to take to the bank and deposit to cover any outstanding checks. I fell for it again. Then they told me that I have all theses extra fees (SCAMS) I would need to pay. I then asked her when the next payment was due. She gives me a date for an additional fee due on the 2/22/2020 for $26.53 for some other "scam" charge. She tells me the next payment would be due on 3/8/2020. The two ladies seemed so confused that I decided to call their office. I was told something completely different!!! I was shocked!!!! They told me that the loan for $401 was due 2/22/2020!!!! I told them that I didn't get my *** check till the second week of March!!! I had told them that AGAIN that I DONT GET PAID TILL THE SECOND WEDNESDAY IN MARCH!!! Then the lady I was on the phone seem very confused!!! I have heard different pay schedules from 3 different people. I logged in the website and it was calling for 2/22/2020!!!! instead of the 3/8/2020 for $441.10!!!!! Again they "forget" that I told them I got paid the SECOND WEDNESDAY OF THE MONTH!!!!! They have no clue of what their own rules!!!! I told them there was no way I would be able to make the payment and she really could not give a (***)!!!! This place is nothing but a BIG SCAM!!!!!! I will never waste my time again!!!! Report this as one of the BIGGEST SCAMS RUNNING!!!!!
February
20, 2020Thank 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 states they received a loan
from Crestline Finance for $300.00. The Complainant states the funds were
electronically withdrawn from their account on 02/08/2020. The Complainant
states that this was earlier than they agreed. Also, the Complainant states
that they were told they have to pay fees they were not aware of at the time of
signing. Our records show, that the Complainant agreed to terms of a line of
credit on January 23rd, 2020 with *** d/b/a Crestline Finance.
The terms of the line of credit include an annual fee of $150.00 and credit
investigation fee of $10.00. Customers have the option of paying the full
$160.00 up front at the time of approval, or have the payments broken up into
12 monthly payments of approximately $13.33. As for the electronic funds transfer,
the Complainant agreed to those terms when opening the line of credit. If the
payment is not made on time, the funds will be withdrawn electronically. In
this case the client drew from their line of credit on 01/23/2020 in the amount
of $301.00. They were due to pay the $301.00 back on 02/07/2020 and failed to
do so. The automated system took the funds on 02/08/2020 as they were then
past-due. 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 we have the signed contract on file which states these fees
clearly on page one of the signed document. We hope that we have fully addressed the complaint. Should they or the Revdex.com require further explanation, we may be reached at [email protected].
If you are smart, stay far far away from this company!! They are in the business of ripping you off and not even gracious about it!! I paid the loan off and received a call saying that I had a balance of $144.52 for an annual fee that I was not told about.. Who the heck does that, and the representative I spoke to was the worst, jut like the company she works for!! Very disturbed by the whole thing.
This company is trying to take money out of my account for a service that has been paid for over 6 months. They keep trying to take money over and over. They are scamming people for thousands of dollars.
Revdex.com: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 states that they paid their loan back and we
need to stop calling them. Our records
show, that the Complainant agreed to terms of a line of credit on October 11th,
2019 with Green Bear Ohio, LLC d/b/a Crestline Finance. Our records show that
the customer drew $401.00 from their line of credit on October 21st,
2019. The Complainant did not pay the borrowed funds back during the agreed
upon time frame and defaulted. Once the account defaults, the full amount is
due, as well as any unpaid fees, interest. In the agreement, it defines when a
consumer will be in default, as well as Crestline Finance’s rights in the event
of default. Crestline
Finance is confident that during the application process the Complainant was
made well-aware of the costs and terms associated with this loan. As part of
the process of requesting a loan, consumers are presented with the contract
which must be reviewed before the loan is signed.We have
marked the line of credit do not call in our office. As of
January 14th, 2020, the Complainant’s account has been sold to ***who can be reached at . We hope that
we have fully addressed the complaint. Should they or the Revdex.com require further explanation, we may be reached at [email protected],Customer Care
I applied for a payday loan and paid it off in a week but when I paid the balance off on my payday loan I was told that I will be required to pay an annual line of credit fee of $170, and that it would be broken up to be paid in monthly installments. I have informed the representative at Crestline Financial that I was never informed of this nor did I agree to a line of credit but only a payday loan which I paid it all back in one week. I was also charged an additional $30 on top of what I owed. The payday representative never even mentioned that this was a line of credit until I went to pay it and questioned the extra fees. I brought only what I needed to pay off my loan.
I was told that in order to close this, I would have to pay the full balance of the $170 of which is the total of the monthly charge regardless of if I never get another loan. UNBELIEVABLE HIGHWAY ROBBERY. I was later inform that this was something new but it was never explained to me when I applied for the payday loan. Had I've been made aware, I would've never gotten the loan. Now instead of paying back $330.00 plus the additional fees of $50.00 I now have to pay an extra $170.00!!!!monthly charge.
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 they took out a payday loan with CheckSmart, which was paid back on time. The Complainant was told at the time of pay off they would be required to pay an annual line of credit fee of $170.00, which would be broken up into monthly installments. The Complainant then states they never agreed to a line of credit. The Complainant was also charged $30.00 on top of what was owed. The Complainant also states they were never advised they received a line of credit until they went to pay and questioned the extra fees. They were advised they would have to pay the full $170.00 to close out their line of credit.
Our records show that the Complainant agreed to terms of a line of credit on November 1, 2019 with Green Bear Ohio, LLC d/b/a Crestline Finance. Part of the terms of the line of credit is the annual fee of $150.00 and credit investigation fee of $10.00. Customers have the option of paying the full $160.00 up front at the time of approval, or have the payments broken up into 12 monthly payments of approximately $13.33. The full amount of the fees must be paid prior to the line of credit being closed.
We hope that we have fully addressed the complaint. Should they or the Ohio Attorney General require further explanation, we may be reached at [email protected].
Sincerely,
Customer Care
his complaint has been closed but I never received any other email until today regarding my case. The letter was forwarded which states:
Our records show that the Complainant agreed to terms of a line of credit on November 1, 2019 with Green Bear Ohio, LLC d/b/a Crestline Finance. Part of the terms of the line of credit is the annual fee of $150.00 and credit investigation fee of $10.00. Customers have the option of paying the full $160.00 up front at the time of approval, or have the payments broken up into 12 monthly payments of approximately $13.33. The full amount of the fees must be paid prior to the line of credit being closed. T
Yes I did the digital signing but the person at the counter did not elaborate on what I was signing. Such as you are signing for the annual fee, or monthly charge. I was told they got rid of the old way of repaying and you have to pay it on the next pay period because they don’t break it down into payments any more. She did not verbal say to me anything about the annual fee or the monthly payments until I went to pay back the loan. This is a rushed process. “you will see five….. show up on the pad for you to sign and I kept signing thinking it was like it normally was, signing to agree to pay them back, apr, etc but was never told about the other fees.
I had a payday loan paid it off and I'm stilling getting charged monthly fees to keep line of credit open. I don't want the line of credit asked to close and was never closed. Still not closed. I just feel to charge someone a monthly fee of 28 dollars with a 0 balance is a ripoff. youre already paying back double the loan amount. you will end of paying a 1000 for a 300 loan. I called today and they said I have to pay 104 to close the account.
Thank you for the opportunity to respond to the complaint filed by Mrs. *** (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 they took out a payday loan. The Complainant continues to state they are still getting charged monthly fees to keep the line of credit open. The Complainant never wanted a line of credit and asked for it to be closed, which was never completed.
Our records show, that the Complainant agreed to terms of a line of credit on July 5, 2019 with Green Bear Ohio, LLC d/b/a Crestline Finance. The line of credit is for $1,101.00. The Complainant was approved for $701.00, with the remaining $400.00 being placed as collateral in a secure account. Interest is accrued on the account based on the amount borrowed, as well as the collateral. Interest is charged monthly on the account.
Part of the terms of the line of credit is the annual fee of $150.00 and credit investigation fee of $10.00. Customers have the option of paying the full $160.00 up front at the time of approval, or have the payments broken up into 12 monthly payments of approximately $13.33. The full amount of the fees and interest must be paid prior to the line of credit being closed.
We hope that we have fully addressed the complaint. Should they or the Ohio Attorney General require further explanation, we may be reached at ***.
Sincerely,
Customer Care
Complaint: ***
I am rejecting this response because:
This is a unfair practice. If a person borrows money pay back with intrest and fees. They should not still be getting billed for a open credit line fee. I borrowed and paid back. Close the account. This is unfair lending. Ive borrowed from checksmart for almost 10 years never had a problem you borrow and payback thats it. Your method is to keep people in debt keep coming back for more. Shame on this company for preying on low income people in need. As if your intrest rate and fees arent enough
Regards
I took out a pay day loan at the local CheckSmart and paid it back within the time allotted. I later found out that there are fees to keep the line of credit open. I told them that I do not want to keep the line of credit open. I was told it would cost $176 to close the line of credit.
I also found out that they will charge me about $34 monthly if not closed out to keep the line of credit open.
I was not made aware of this when taking out the loan. I assumed it was the same as in the past where you pay the loan and you're done.
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 they took out a payday loan with CheckSmart, which was paid back on time. The Complainant later found there were fees to keep the line of credit open. The Complainant did not want a line of credit, and was told it would be $176.00 to close the line of credit. If not closed, it would be $34.00 per month to keep the line of credit open.
Our records show, that the Complainant agreed to terms of a line of credit on November 3, 2019 with Green Bear Ohio, LLC d/b/a Crestline Finance. The line of credit is for $1,101.00. The Complainant was approved for $501.00, with the remaining $600.00 being placed as collateral in a secure account. Interest is accrued on the account based on the amount borrowed, as well as the collateral. Interest is charged monthly on the account.
Part of the terms of the line of credit is the annual fee of $150.00 and credit investigation fee of $10.00. Customers have the option of paying the full $160.00 up front at the time of approval, or have the payments broken up into 12 monthly payments of approximately $13.33. The full amount of the fees must be paid prior to the line of credit being closed.
We hope that we have fully addressed the complaint. Should they or the Ohio Attorney General require further explanation, we may be reached at ***
Sincerely,
Customer Care
Revdex.com called consumer using an automated phone system. Consumer entered the number 1 indicating that they accepted business response and complaint could be closed resolved - see below for details:
Deering, Brenda 14061675(513) 227-7521Crestline FinanceJan 21, 2020 12:18 PM
To whom it may concern I am filing this complaint due to very poor business practice I went in on the 11th of August and got a loan which I was told that I had to get $1,000 and I didn't need for 200 I returned all the money before I left the store accept $200 the lady that waited on me highlighted on my paperwork that all I had to pay was 221 before the twenties before the end of the month and I wouldn't owe anything I sent a check from my bank on the 21st of August which wasn't even 30 days to pay it off in full and in the memo at the bottom I pledge put printed paid in full show me may concern I am filing this complaint do two very poor business practice I went in on the 11th of August and got a loan which I was told that I had to get $1,000 and I didn't need for 200 I returned all the money before I left the store accept $200 the lady that waited on me highlighted on my paperwork that all I had to pay was 221 before the 20 before the end of the month and I wouldn't owe anything I sent a check from my bank on the 21st of August which wasn't even 30 days to pay it off in full and in the memo at the bottom I play put printed paid in full when they receive that at Crestline Financial and they should have known that I didn't know that that wasn't a full payment they never tried to contact me I never received anything. I dont owe anything and would like for this to be settled.
Thank you for the opportunity to respond to the complaint filed by Mrs. *** (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 they wanted to borrow $200.00 but were told they had to get $1,000.00. The Complainant continues to state she did not know the payment on August 21, 2019 was not the full payment. The Complainant states she never received any type of contact stating she still owed a balance.
Our records show, that the Complainant agreed to terms of a line of credit on August 17, 2019 with Green Bear Ohio, LLC d/b/a Crestline Finance. The line of credit is for $1,101.00. The Complainant was approved for $501.00, with the remaining $600.00 being placed as collateral in a secure account. While being approved for $501.00, this does not mean the Complainant is required to draw the full amount. They are welcome to draw any amount up to the full $501.00.
Part of the terms of the line of credit is the annual fee of $150.00 and credit investigation fee of $10.00. Customers have the option of paying the full $160.00 up front at the time of approval, or have the payments broken up into 12 monthly payments of approximately $13.33. The full amount of the fees must be paid prior to the line of credit being closed.
The Complainant’s account is now with *** who can be reached at .
We hope that we have fully addressed the complaint. Should they or the Revdex.com require further explanation, we may be reached at ***.
Sincerely,
Customer Care
Revdex.com:
I reviewed the response made by the business in reference to complaint ID, and find the resolution is satisfactory to me.
Regards,
*** 1/21/2020 I AGREE TO MAKE PAYMENT OF 20.00 A MONTH UNTIL PAY IN FULL.
Thank you for the opportunity to
respond to the complaint filed by Mrs. *** (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 they want to pay $20.00 a month until the
account is paid in full The Complainant’s account
is now with *** who can be reached at . Any questions
about the Complainant’s account, including payment arrangements, need to be
discussed with ***, as Crestline Finance no longer owns the
account. We hope that we have
fully addressed the complaint. Should they or the Revdex.com
require further explanation, we may be reached at ***. Sincerely,Customer Care
Crestline Finance and Check Smart will rip you off! I will never recommend or do business with them again.
Do not, I repeat, DO NOT do any business with this company! By the time you have finished paying them off for a small pay day loan, you will have paid approximately 3 times what you have borrowed. It is cheaper to go to an actual loan shark and probably a ton less stressful! They get you with their fees and then annual fee along with additional 5% to use their money. It is a scam that shouldn't be legal. Oh, and if you don't pay their annual fee after you have paid off the initial loan, you get turned over to a collection agency which will then take the annual fee directly out of your checking account without any warning whatsoever. They will say they have sent you notices, but you will not receive anything. They will fill you full of lies and deceptive practices and you will be out the funds.
They are taking good honest hard workers that try to make a living and sometimes need a little help to the cleaners. I would not advise anyone to go to them. They are horrible.
When I paid the balance off on my payday loan I was told that I will be required to pay an annual line of credit fee of $150 plus $50 renewal fee and that it would be broken up and had to be paid in monthly installments I have informed the representative at crestline financial that I was never informed of this nor did I agree to a line of credit but only a payday loan and which I paid it all back in one payment I was also charged an additional $30 on top of the $331 I wish they could not explain why I was being charged this additional fees.
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 they paid the balance off for their payday loan. When paying the loan off, the Complainant was advised they would be required to pay an annual fee of $150.00 for a line of credit, plus a $50.00 renewal fee. They were also charged an additional $30.00 on top of the $331.00 which could not be explained. The Complainant was advised the fees could be paid in monthly installments. The Complainant also states they were never advised they agreed to a line of credit.
Our records show, that the Complainant agreed to terms of a line of credit on July 24, 2019 with *** Ohio, LLC d/b/a Crestline Finance. In the agreement, the Annual Fee, also referred as “Membership Fee”, is disclosed. Please refer to the following excerpt from the Complainant’s line of credit agreement:
9. Annual Fees, Late Fees and Other Charges. You will be charged an initial Annual Fee of $150 on the date this Agreement becomes effective and $50 on each anniversary thereof. These fees may be paid in installment Payments if you continue to meet the criteria set forth in Section 1 and Section 4 hereof. In the event that you fail to pay the Minimum Payment Due on or before the tenth (10th) day after the Payment Due Date, you agree to pay us a late charge of $15 or 5% of the Minimum Amount Due--whichever is greater. There is an Initial Credit Investigation fee of $10, which fee shall be paid in monthly increments if you continue to meet the criteria set forth in Section 1 and Section 4.
Crestline Finance is confident that during the application process the Complainant was made well-aware of the costs and terms associated with this loan. As part of the process of requesting a loan, consumers are presented with the contract which must be reviewed before the loan is signed.
Regarding the additional $30 on top of the $331, it appears the complainant is referring to the 10% bill pay fee charged by a third-party payment processer to process payments made at the distributor location as well as over the phone with Crestline Finance.
As of December 8, 2019, the Complainant’s account has been sold to ***. They can be contacted at .
We hope that we have fully addressed the complaint. Should they or the Revdex.com require further explanation, we may be reached at ***
Sincerely,
Customer Care
I am trying to contact this company to make payment arrangement to pay off my debt. They tell me I cant make payment arrangements. They tell me I can update my address via phone..I have to email the information. Which is fine. They tell me I have to pay the lump sum which I cant afford. Last I knew I owed $683.28 and made a payment when I could of 50 dollars in Setemper, 50 in October and unable to give them any in November. I just got a second job and wanted to pay of $200 a month Jan, Febuary, and $283.28 in March. They tell me I can do that. Now they tell me I owe $809.99. I cant afford the interest and make the lump sum so they keep tacking on interest. I am very strapped for income and forced to move because of an abusive relationship. I was getting ahead now I have fallen behind. I cant understand how this can be legal. How can I pay them off when they keep adding interest to an old debt. Please review this company. I have made payment agreements for all my payday debts...but this company is the only one doing. This. It says there are 6 complaints about them through Revdex.com on their website too. But I can find them here. Thank you.
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 Crestline Finance is not willing to set up payment arrangements. The Complainant states they are not able to afford the full amount, including the interest Crestline Finance continues to add on the account.
Our records show, that the Complainant agreed to terms of a line of credit on July 8, 2019 with *** Ohio, LLC d/b/a Crestline Finance. In the agreement, it defines when a consumer will be in default, as well as Crestline Finance’s rights in the event of default. Please refer to the following excerpt from the Complainant’s line of credit agreement:
12. Default. You will be in default under this Agreement if: (i) you fail to make any required payments by the Payment Due Date; (ii) you fail timely to comply with or perform any other obligation under this Agreement including, without limitation, maintaining the full Security Amount as security for your Account; (iii) any representation or warranty made by you to us is false or misleading; (iv) you begin, or if any other person puts you into, a bankruptcy or an insolvency or receivership proceeding; (v) a material change occurs in your credit-worthiness; or (vi) you die.
13. Our Rights in the Event of Default. If you are in default under this Agreement, we may, at our option, do any one or more of the following: (i) declare the whole outstanding balance immediately due and payable, including any unpaid Annual Fee and the Credit Investigation Fee on your Account and proceed to collect it, including the applying the Security Amount in accordance with Section 5 or otherwise; (ii) process an electronic fund transfer (“EFT”) or payment device (such as a Remotely Created Payment Order or an RCC) for the amount you owe against your bank account(s) or any debit cards described in your application for this line of credit or otherwise provided by you to us shown on any check you have used to make a payment hereunder, including any late fees and/or Returned Item Fees, or for smaller sums, not to exceed your entire balance (iii) close your Account, lower your credit limit or increase or impose collateral requirements; (iv) exercise all other rights, powers, and remedies given by law. The ability to lower your credit limit is not conditioned on your default hereunder because we may lower your limit for any reason permitted by law.
Crestline Finance is confident that during the application process the Complainant was made well-aware of the costs and terms associated with this loan. As part of the process of requesting a loan, consumers are presented with the contract which must be reviewed before the loan is signed.
As of December 11, 2019, the Complainant’s account has been sold to Insight Capital who can be reached at .
We hope that we have fully addressed the complaint. Should they or the Revdex.com require further explanation, we may be reached at ***.
Sincerely,
Customer Care
On 10/16 I was told $140.54 payment would completely close original loan, which I had paid off already. I used CC and made payment in full. This call should be recorded. Now 2 months later I am getting texts stating I owe more fees although I was assured on 10/16 this was final payment needed.
Thank you for the opportunity to respond to the complaint filed by Mrs. *** (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 they paid $140.54 on October 16, 2019 and closed out their loan. The customer is now receiving text messages stating she owes more fees.
Our records show, that the Complainant agreed to terms of a line of credit on July 5, 2019 with *** Ohio, LLC d/b/a Crestline Finance. In the agreement instructions on how to close out a line of credit. Please refer to the following excerpt from the Complainant’s line of credit agreement:
14. Term/Cancellation/Suspension. The initial term of your Account is one year and one day. Your Account will automatically renew each year unless either party notifies the other that the Account should be cancelled. You may cancel your Account by notifying us in writing that you wish for your Account to be closed at Crestline Finance, Attn: Customer Service, *** and by paying your Account in full including all fees and accrued Interest. If we, in good faith, believe that we are in jeopardy of not being repaid as agreed or if your credit scoring has changed, we reserve the right to suspend making future advances to you, and we will give you written notice, and if such suspension is made pursuant to this paragraph, you will be allowed to repay any remaining balance pursuant to this Agreement. 15.
The last payment Crestline Finance received from the Complainant was on October 16, 2019, for $127.76. As of December 12, 2019, the Complainant will need to pay $160.12 and send a written request to close out the line of credit. This balance includes all fees and interest associated with the account.
We hope that we have fully addressed the complaint. Should they or the Revdex.com require further explanation, we may be reached at ***
Sincerely,
Customer Care