Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
I spoke to several reps at the *** branch and the underwriter in home office and he told me that my credit report (Would Not BE PULLED) I did advise them that I am contacting a lawyer because I did not authorize them to run my credit report
Regards,
*** ***
I agree with the decision to honor their agreement. They made an arrangement with me and fail to follow through on there inI hope they take the necessary steps in the future to talk with their customers and not give them the" run around" when their trying to deal with them directly. Thank you Revdex.com, your are greatly appreciated
Dear *** *** I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated February 11, Please accept this letter as the response of Regional Finance Corporation ** *** (“Regional”)At Regional, we truly value our customers’
satisfaction and will work toward the resolution of any issues. In your complaint you stated that you paid your account in full on December 12, 2015, but Regional continued contacting you for paymentThen, your account was charged off and Regional instructed you to contact a collection agencyAdditionally, you stated Regional has made an error and you need help getting this situation resolved. Regional prides itself on quality customer serviceComplaints such as these are taken seriously. Regional gave you a receipt stamped with paid in full prematurelyThis was an error made by a Regional representativeAfter further review, your account is now closed as paid in full and is being reported as paid in full to the credit bureauPlease allow to business days for the credit bureau to be updated with this informationWe apologize for any inconvenience you have experienced regarding this matter. If I can be of further assistance, please do not hesitate to contact me directly at *** or complaints@*** Sincerely, *** *** Regulatory and Consumer Relations Analyst
Re: Complaint ID: ***
Dear Ms***: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated April 8, Please accept this letter as the response of Regional Finance Corporation of *** (“Regional”)At Regional, we
truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you state that your personal loan information has been discussed with your family members even after you have asked that your loan not be discussed with your familyAlso, you state that you were supposed to have spoken with *** *** multiple times, but you have not heard from him. You are correct; your loan information was discussed with your husband when he made a payment toward your accountWe would like to apologize for any inconvenience experienced regarding this matterAdditionally, *** *** has informed me that he has spoken with you and apologized for the confusion with your account. If I can be of further assistance, please do not hesitate to contact me directly at 864-***-*** or ***.com. Sincerely, *** *** Regulatory and Consumer Relations Analyst
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
V*** P***
On the condition that one of the hard inquiry is removed from my credit report(Equifax)- I will accept the response from Regional Finance
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is
satisfactory to me.
Regards,
*** *** ***
Dear Mr. [redacted]: I am writing in reply to the complaint that you filed with the Revdex.com (“Revdex.com”) dated January 5, 2016. Please accept this letter as the response of Regional Finance Corporation of South Carolina (“Regional”). At Regional, we...
truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you stated that the Regional branch in [redacted] was very rude and would not provide you with the home office phone number. You also stated that you had issues with [redacted] because he would not provide you with a car title. Additionally you alleged that the [redacted] branch was unprofessional. I have been informed by the [redacted] branch supervisor that you now have the car title in question. Also the supervisor advised that the staff of the [redacted] branch have been coached in regards to being professional and respectful to car dealers. Regional would like to apologize for the inconvenience you experienced regarding this matter. If I can be of further assistance, please do not hesitate to contact me directly at 864-[redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst
Dear [redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated May 12, 2016, to Regional Finance Corporation of South Carolina (“Regional”). Regional is unable to locate the loan based on the information provided in the...
complaint. Please provide us with the account number and your previous address in order to locate the account in question. If I can be of further assistance, please do not hesitate to contact me directly at (864) [redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
Regards,
[redacted]
Dear Ms. [redacted]: I am writing in reply to the complaint that you filed with the Revdex.com (“Revdex.com”) dated December 31, 2015. Please accept this letter as the response of Regional Finance Corporation of North Carolina (“Regional”). At Regional, we truly value our customers’...
satisfaction and will work toward the resolution of any issues. In your complaint you stated that Regional rejected your payment that you placed in the drop box on December 18, 2015, which made you 3 months behind. You also alleged that Regional discriminated against you by intentionally not applying your payment to cause more negative credit reporting and in order to threaten to take you to court. The payment was denied because it would not have brought the account current. However, if you would re-submit the payment to the [redacted] branch they have been instructed to apply the full payment towards your account and apply it with a payment date of December 18, 2015. Additionally, Regional prides itself on quality customer service. Complaints such as these are taken seriously. After a thorough investigation into the matter Regional does not find any evidence to substantiate your allegation of discrimination. Regional maintains strict policies and procedures to prevent discrimination of any kind. If I can be of further assistance, please do not hesitate to contact me directly at 864-[redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst
[redacted] Via Electronic Upload Re: Complaint ID: [redacted] Dear Mr. [redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated August 15, 2016. Please accept this letter as the response of Regional Finance...
Corporation of Texas (“Regional”). At Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you state that you received broken furniture from a furniture store. You explain that you have been paying Regional for two months on a non-existent contract. You request that this account be removed from your credit and all money returned until the contract is completed. We would like to apologize for any inconvenience experienced regarding this matter. I spoke directly with you on August 26, 2016, and confirmed that the correct furniture was delivered on August 23, 2016, and your issue is now resolved. If I can be of further assistance, please do not hesitate to contact me directly at [redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst
February 1, 2018 A[redacted] R. V[redacted] Via Electronic Upload Re: Complaint ID: [redacted] Dear Mr. V[redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated January 17, 2018. Please...
accept this letter as the response of Regional Finance Corporation of South Carolina (“Regional”). At Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint, you state that you received a phone call from Regional as a result of your payment being past due. During this call, you attempted to set up a payment for a later date, at which time you were notified that collection calls would continue to both you and your references until payment was received in full. You state that you later found out that two of your references were called and advised that you were past due on an account with Regional. Per your complaint, these calls occurred after you advised the branch that you wished for all calls to references to cease. Additionally, you stated that your wife, Mrs. V[redacted], called Regional to discuss your account. You stated that during this call she was unable to get a word in, was yelled at, called a liar and the Regional representative refused to provide her with a number for the corporate office. You also state that you were later directed to District Supervisor, P[redacted], who advised he would need names of the employees that allegedly provided account details to your references in order to take action on this issue. Per your complaint, P[redacted] also advised that Regional would not be able to accept partial payments to satisfy the loan, and provided you with potential options with a hardship program or lump sum program, which you feel was not helpful. As a result of these issues you would like Regional to enforce consequences on the representatives that allegedly provided personal information to your references as well as suspend interest on your account, allowing you to only pay the principle balance of the loan. Per Regional’s investigation, a representative from Regional attempted to contact your wife and reference, D[redacted] V[redacted], on December 19th, 2017. During this conversations, Mrs. V[redacted] notified Regional that both of you would be at the branch office to make a payment the following Monday, December 25, 2017. Due to this date being a holiday, the Regional representative notified Ms. V[redacted] the offices would be closed at that time. The representative then advised that you could make a payment via phone instead. At that time Mrs. V[redacted] gave you the phone to speak with the Regional representative. In the discussion with the representative, you indicated you were late on your payment due to the holidays, but that you and Mrs. V[redacted] would be in the office the following Tuesday December 26th, to make a payment. The representative then advised that Regional would remain in contact with you until the payment is received in full. Following this response, Mrs. V[redacted] re-entered the conversation and stated that if Regional continued to call, you would sue for harassment and then hung the phone. Regional did not notate Mrs. V[redacted]’s statement as a request to cease contact on your account, as the account is solely in your name and no request was received from you at that time. Following this conversation, between the dates of December 19, 2017, and December 28, 2017, nine phone calls were made to your mobile number and three calls to references. One call to account reference, M[redacted], on December 26, 2017, was successful. The remaining 2 calls to account reference, Brenda, and your wife, Mrs. V[redacted], made on December 28, 2017, were not successful. When Regional speaks with a reference, the representative must disclose that they are from Regional Finance and trying to make contact with a consumer. It is a violation of company policy for Regional to disclose account information to a 3rd party. No calls were made to any of your references following the attempts on December 28th, 2017. In response to the call received on December 28, 2017, Mrs. V[redacted] contacted Regional and advised that you were on unemployment when you took out this loan and that the unemployment has since stopped, causing you to fall behind on payments. Mrs. V[redacted] also was upset that Regional had contacted your references, herself included, and wanted the contact information for the corporate office. The representative provided the contact information for the District Manager and advised the reference that the District Managers name was P[redacted]. A Regional representative reached out to you on January 4, 2018, at this time you advised you would not speak with anyone about your account until you received a call from District manager, P[redacted] M[redacted]. Mr. M[redacted] contacted you on January 15, 2018. In an effort to address the matter with his team, Mr. M[redacted] requested the names of any Regional employees you spoke with, as well as examples of poor customer service you may have received. Although you were unable to provide a detailed accounting at that time, Mr. M[redacted] informed you that the issue would still be addressed. Additionally, you indicated that Regional has continued to call your references even though you have previously requested that all calls to you and your references cease. Regional has no record of such requests from you directly, however your account was noted following this conversation, dated January 15, 2018, to ensure that neither you nor your references receive future calls. During this conversation you also requested that Regional allow you to make payments in the amount of $60 per month. Mr. M[redacted] advised that you may submit payments in the amount of $60 per month, but your account would continue to report as past due as the terms of your contract cannot be altered. Mrs. V[redacted] then entered the conversation, at which time Mr. M[redacted] advised of the options for repayment which included the following: You may make $60 per month payments, however based on interest accrual this would result in around $20 per month going towards the principle balance for the duration of payments on the loan. You may add Mrs. V[redacted] to the account to qualify for a hardship program, due to needing to have an employed customer to qualify. However during this conversation Mrs. V[redacted] advised she is also not employed and she was unwilling to sign onto the loan. Lastly, Mr. M[redacted] advised that Regional could accept a cash settlement for a lump sum due to your current circumstances. In response you stated that Regional has no options that suit your financial needs. You also indicated you will not continue to make payments on your account as it is not in your best interest. At this time, Regional will not reduce the interest rate on your loan to zero. All terms as previously disclosed to you will remain in effect on your account. If you wish to pursue one of the options above please reach out to your branch or Mr. M[redacted] directly to discuss your options in more detail. We appreciate your business and thank you for choosing Regional for your finance needs. Sincerely, J[redacted] O’K[redacted] Regulatory and Consumer Relations Manager
Re: Compliant ID: [redacted] Dear Ms. [redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated March 17, 2016. Please accept this letter as the response of Regional Finance Corporation of South Carolina (“Regional”). At...
Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you stated that you have had difficulty paying off your account because every time you make a payment there is additional interest, so the branch returns your checks to you. Interest accrues daily on your account, but we will accept a final payment of $130.40 if you will pay the branch before the end of the month. We appreciate your willingness to pay your account. We apologize for any inconvenience you may have experienced regarding this matter. If I can be of further assistance, please do not hesitate to contact me directly at the home office at 864-[redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst
Re: Complaint ID: [redacted] Dear Ms. [redacted]: I am writing in reply to the complaint that you filed with the Revdex.com (“Revdex.com”) dated August 27, 2015. Thank you for taking the time to provide feedback to Regional Finance Corporation of Tennessee (“Regional”). At Regional...
we value our customer experience and always welcome any questions or concerns. In your complaint, you stated that Regional representatives have contacted you at your home because you were listed as a reference for another individual. Regional abides by all applicable laws and regulations in our efforts to communicate with our customers and references and always honors requests to cease contact. Pursuant to your request, we have removed your contact information from our records. Therefore, you will not receive any future communication from Regional. At Regional, we strive to provide quality financial services with the utmost customer care. If you have any further questions or concerns, please do not hesitate to contact me at 864[redacted] or [redacted]
Sincerely, [redacted] Jr. Regulatory and Consumer Relations Manager
Re: Complaint ID: [redacted]
To Whom It May Concern: I am writing in response to the Revdex.com ("Revdex.com") complaint dated March 13, 2017 that was filed by [redacted]. Please accept this letter as the response of Regional Finance Company of New Mexico ("Regional"). Going...
forward, please forward any complaint received against Regional to the South Carolina Revdex.com, which will ensure a timely response from Regional. We apologize for our delay in responding. Ms. [redacted]'s complaint alleges that she paid off her loan in five months, she was charged interest for the sixth month and she was double charged for the final month. She states she overpaid the branch by $134.24. Ms. [redacted] claims the branch failed to provide her with a payoff receipt; the branch originally provided her with a receipt for someone else's account. Ms. [redacted] requests to be refunded the $134.24. A District Supervisor in New Mexico, [redacted], has been in contact with Ms. [redacted] to resolve her complaint. Mr. [redacted] confirmed that Ms. [redacted] was not overcharged and that our computer system will not allow Regional to charge future interest. Ms. [redacted] was correctly charged for the amount of time that she had the loan. Also, Mr. [redacted] confirmed that Ms. [redacted]'s last payment was initially posted to the incorrect account, which was later corrected. Additionally, Mr. [redacted] established that Ms. [redacted] had received a copy of her payment history reflecting all payments made, including her final payment. Mr. [redacted] invited Ms. [redacted] to visit the branch in order for him to review all of Regional's records with her, but Ms. [redacted] has not visited the branch. If I can be of further assistance, please do not hesitate to contact me at (864) [redacted] or [redacted]. Sincerely, [redacted]Regulatory and Consumer Relations Analyst
Re: Complaint ID: [redacted]
Dear Ms. [redacted]: I am writing in response to the...
complaint that you filed with the Revdex.com (“Revdex.com”) dated June 8, 2017. Please accept this letter as the response of Regional Finance Corporation of Texas (“Regional”). In your complaint you stated that you received numerous calls to refinance your loan, but were not told that you would have to complete an application again. You explained that when you declined a larger loan amount, the branch then advised that you could not get the $900.00 loan originally offered to you because you did not make enough money. You revealed that the manager was rude to the employee assisting you, and the manager refused to provide you with the district manager number and the corporate office number to launch a complaint. You request to have the inquiry removed from your credit report and written policy indicating a new application is required to renew a loan. At Regional, if renewals are completed within 12 months of the previous application, then no new application or credit bureau report is required. The 12 months on your loan were on January 31, 2017. Per company policy, there is a script that employees are to read to customers when updating an application and pulling a new credit bureau report, which includes a statement that a credit report will be pulled in connection with the application. The branch employee claims she followed company policy by following the script and advising you that an application was required and a credit report would be pulled. The branch employee also claims to have provided the phone number to the corporate office when requested. Our records indicate that you were not approved for an additional loan because you had lower than expected income and higher than expected debt to income ratio. Regional expects all of its employees to always treat its customers with the utmost respect, and Regional takes allegations of rude behavior very seriously. A thorough investigation revealed no evidence to substantiate the rude behavior allegation. However, Regional appreciates that you took the time to bring your concerns to our attention. Regional cannot have the inquiry removed from your credit report because Equifax will only remove inquiries that are the result of fraud, and this inquiry is not the result of fraud. We appreciate your business and thank you for choosing Regional for your financial needs. Sincerely, Dawn L[redacted] Regulatory and Consumer Relations Analyst
September **, 2017 K[redacted] K[redacted] Via Electronic Upload Re: Complaint ID: [redacted] Dear Mr. K[redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated September **, 2017....
Please accept this letter as the response of Regional Finance Corporation of North Carolina (“Regional”). At Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you state that the branch is not adhering to the mandated 10 day grace period for your payment. You revealed that you always make your payment during the grace period. In addition, you have requested to receive no further contact from Regional or you will contact the Attorney General. Please be aware that Regional does not offer a grace period for payments. Your payments are due on the due date, as stated on your contract. Your account will not be charged a late fee until after the 10th day that your payment is due. In addition your account has been marked as “Cease and Desist,” you will receive no further communication from Regional. Regional thanks you for choosing us for your financial needs. Sincerely, S[redacted] N[redacted] Regulatory and Consumer Relations Manager
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]
I am rejecting this response because I never told them two different locations about who told me that the money was counterfeit. I notified the company immediately and returned the money as soon as I got off work. The company did not notify the police which should have been the 1st thing they should have done I had to contact them. This company took my real 200 and gave me 50 in counterfeit money I no longer have confidence or trust with dealing with this company. I provided them with the money within 24 hours of receiving it and I told her the money was fake while I was at the Anniston office. The company should train their employees to read the counterfeit marker because if a mark appears on the bill then fake.
Regards,
Z[redacted]
[redacted] Via Electronic Upload Re: Complaint ID: [redacted] Dear Ms. [redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated February 3, 2017. Please accept this letter as the response of Regional Finance...
Corporation of Texas (“Regional”). In your complaint you state that you informed Regional to stop calling your phone number, but Regional has continued to call you. You explain that you do not have an account with Regional nor have you provided them with your information. You request that your phone number be removed from Regional’s system and to never be contacted again. We regret that you were contacted after requesting that Regional stop contacting you. Please be advised that your phone number has been removed from our system, and you will no longer be contacted by Regional. Thank you for allowing Regional the opportunity to address your concern. Sincerely, Dawn L[redacted] Regulatory and Consumer Relations Analyst
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
I spoke to several reps at the *** branch and the underwriter in home office and he told me that my credit report (Would Not BE PULLED) I did advise them that I am contacting a lawyer because I did not authorize them to run my credit report
Regards,
*** ***
I agree with the decision to honor their agreement. They made an arrangement with me and fail to follow through on there inI hope they take the necessary steps in the future to talk with their customers and not give them the" run around" when their trying to deal with them directly. Thank you Revdex.com, your are greatly appreciated
Dear *** *** I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated February 11, Please accept this letter as the response of Regional Finance Corporation ** *** (“Regional”)At Regional, we truly value our customers’
satisfaction and will work toward the resolution of any issues. In your complaint you stated that you paid your account in full on December 12, 2015, but Regional continued contacting you for paymentThen, your account was charged off and Regional instructed you to contact a collection agencyAdditionally, you stated Regional has made an error and you need help getting this situation resolved. Regional prides itself on quality customer serviceComplaints such as these are taken seriously. Regional gave you a receipt stamped with paid in full prematurelyThis was an error made by a Regional representativeAfter further review, your account is now closed as paid in full and is being reported as paid in full to the credit bureauPlease allow to business days for the credit bureau to be updated with this informationWe apologize for any inconvenience you have experienced regarding this matter. If I can be of further assistance, please do not hesitate to contact me directly at *** or complaints@*** Sincerely, *** *** Regulatory and Consumer Relations Analyst
Re: Complaint ID: ***
Dear Ms***: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated April 8, Please accept this letter as the response of Regional Finance Corporation of *** (“Regional”)At Regional, we
truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you state that your personal loan information has been discussed with your family members even after you have asked that your loan not be discussed with your familyAlso, you state that you were supposed to have spoken with *** *** multiple times, but you have not heard from him. You are correct; your loan information was discussed with your husband when he made a payment toward your accountWe would like to apologize for any inconvenience experienced regarding this matterAdditionally, *** *** has informed me that he has spoken with you and apologized for the confusion with your account. If I can be of further assistance, please do not hesitate to contact me directly at 864-***-*** or ***.com. Sincerely, *** *** Regulatory and Consumer Relations Analyst
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
V*** P***
On the condition that one of the hard inquiry is removed from my credit report(Equifax)- I will accept the response from Regional Finance
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is
satisfactory to me.
Regards,
*** *** ***
Dear Mr. [redacted]: I am writing in reply to the complaint that you filed with the Revdex.com (“Revdex.com”) dated January 5, 2016. Please accept this letter as the response of Regional Finance Corporation of South Carolina (“Regional”). At Regional, we...
truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you stated that the Regional branch in [redacted] was very rude and would not provide you with the home office phone number. You also stated that you had issues with [redacted] because he would not provide you with a car title. Additionally you alleged that the [redacted] branch was unprofessional. I have been informed by the [redacted] branch supervisor that you now have the car title in question. Also the supervisor advised that the staff of the [redacted] branch have been coached in regards to being professional and respectful to car dealers. Regional would like to apologize for the inconvenience you experienced regarding this matter. If I can be of further assistance, please do not hesitate to contact me directly at 864-[redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst
Dear [redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated May 12, 2016, to Regional Finance Corporation of South Carolina (“Regional”). Regional is unable to locate the loan based on the information provided in the...
complaint. Please provide us with the account number and your previous address in order to locate the account in question. If I can be of further assistance, please do not hesitate to contact me directly at (864) [redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
Regards,
[redacted]
Please see the attached response to K[redacted] K[redacted]'s complaint.
Dear Ms. [redacted]: I am writing in reply to the complaint that you filed with the Revdex.com (“Revdex.com”) dated December 31, 2015. Please accept this letter as the response of Regional Finance Corporation of North Carolina (“Regional”). At Regional, we truly value our customers’...
satisfaction and will work toward the resolution of any issues. In your complaint you stated that Regional rejected your payment that you placed in the drop box on December 18, 2015, which made you 3 months behind. You also alleged that Regional discriminated against you by intentionally not applying your payment to cause more negative credit reporting and in order to threaten to take you to court. The payment was denied because it would not have brought the account current. However, if you would re-submit the payment to the [redacted] branch they have been instructed to apply the full payment towards your account and apply it with a payment date of December 18, 2015. Additionally, Regional prides itself on quality customer service. Complaints such as these are taken seriously. After a thorough investigation into the matter Regional does not find any evidence to substantiate your allegation of discrimination. Regional maintains strict policies and procedures to prevent discrimination of any kind. If I can be of further assistance, please do not hesitate to contact me directly at 864-[redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst
[redacted] Via Electronic Upload Re: Complaint ID: [redacted] Dear Mr. [redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated August 15, 2016. Please accept this letter as the response of Regional Finance...
Corporation of Texas (“Regional”). At Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you state that you received broken furniture from a furniture store. You explain that you have been paying Regional for two months on a non-existent contract. You request that this account be removed from your credit and all money returned until the contract is completed. We would like to apologize for any inconvenience experienced regarding this matter. I spoke directly with you on August 26, 2016, and confirmed that the correct furniture was delivered on August 23, 2016, and your issue is now resolved. If I can be of further assistance, please do not hesitate to contact me directly at [redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst
February 1, 2018 A[redacted] R. V[redacted] Via Electronic Upload Re: Complaint ID: [redacted] Dear Mr. V[redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated January 17, 2018. Please...
accept this letter as the response of Regional Finance Corporation of South Carolina (“Regional”). At Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint, you state that you received a phone call from Regional as a result of your payment being past due. During this call, you attempted to set up a payment for a later date, at which time you were notified that collection calls would continue to both you and your references until payment was received in full. You state that you later found out that two of your references were called and advised that you were past due on an account with Regional. Per your complaint, these calls occurred after you advised the branch that you wished for all calls to references to cease. Additionally, you stated that your wife, Mrs. V[redacted], called Regional to discuss your account. You stated that during this call she was unable to get a word in, was yelled at, called a liar and the Regional representative refused to provide her with a number for the corporate office. You also state that you were later directed to District Supervisor, P[redacted], who advised he would need names of the employees that allegedly provided account details to your references in order to take action on this issue. Per your complaint, P[redacted] also advised that Regional would not be able to accept partial payments to satisfy the loan, and provided you with potential options with a hardship program or lump sum program, which you feel was not helpful. As a result of these issues you would like Regional to enforce consequences on the representatives that allegedly provided personal information to your references as well as suspend interest on your account, allowing you to only pay the principle balance of the loan. Per Regional’s investigation, a representative from Regional attempted to contact your wife and reference, D[redacted] V[redacted], on December 19th, 2017. During this conversations, Mrs. V[redacted] notified Regional that both of you would be at the branch office to make a payment the following Monday, December 25, 2017. Due to this date being a holiday, the Regional representative notified Ms. V[redacted] the offices would be closed at that time. The representative then advised that you could make a payment via phone instead. At that time Mrs. V[redacted] gave you the phone to speak with the Regional representative. In the discussion with the representative, you indicated you were late on your payment due to the holidays, but that you and Mrs. V[redacted] would be in the office the following Tuesday December 26th, to make a payment. The representative then advised that Regional would remain in contact with you until the payment is received in full. Following this response, Mrs. V[redacted] re-entered the conversation and stated that if Regional continued to call, you would sue for harassment and then hung the phone. Regional did not notate Mrs. V[redacted]’s statement as a request to cease contact on your account, as the account is solely in your name and no request was received from you at that time. Following this conversation, between the dates of December 19, 2017, and December 28, 2017, nine phone calls were made to your mobile number and three calls to references. One call to account reference, M[redacted], on December 26, 2017, was successful. The remaining 2 calls to account reference, Brenda, and your wife, Mrs. V[redacted], made on December 28, 2017, were not successful. When Regional speaks with a reference, the representative must disclose that they are from Regional Finance and trying to make contact with a consumer. It is a violation of company policy for Regional to disclose account information to a 3rd party. No calls were made to any of your references following the attempts on December 28th, 2017. In response to the call received on December 28, 2017, Mrs. V[redacted] contacted Regional and advised that you were on unemployment when you took out this loan and that the unemployment has since stopped, causing you to fall behind on payments. Mrs. V[redacted] also was upset that Regional had contacted your references, herself included, and wanted the contact information for the corporate office. The representative provided the contact information for the District Manager and advised the reference that the District Managers name was P[redacted]. A Regional representative reached out to you on January 4, 2018, at this time you advised you would not speak with anyone about your account until you received a call from District manager, P[redacted] M[redacted]. Mr. M[redacted] contacted you on January 15, 2018. In an effort to address the matter with his team, Mr. M[redacted] requested the names of any Regional employees you spoke with, as well as examples of poor customer service you may have received. Although you were unable to provide a detailed accounting at that time, Mr. M[redacted] informed you that the issue would still be addressed. Additionally, you indicated that Regional has continued to call your references even though you have previously requested that all calls to you and your references cease. Regional has no record of such requests from you directly, however your account was noted following this conversation, dated January 15, 2018, to ensure that neither you nor your references receive future calls. During this conversation you also requested that Regional allow you to make payments in the amount of $60 per month. Mr. M[redacted] advised that you may submit payments in the amount of $60 per month, but your account would continue to report as past due as the terms of your contract cannot be altered. Mrs. V[redacted] then entered the conversation, at which time Mr. M[redacted] advised of the options for repayment which included the following: You may make $60 per month payments, however based on interest accrual this would result in around $20 per month going towards the principle balance for the duration of payments on the loan. You may add Mrs. V[redacted] to the account to qualify for a hardship program, due to needing to have an employed customer to qualify. However during this conversation Mrs. V[redacted] advised she is also not employed and she was unwilling to sign onto the loan. Lastly, Mr. M[redacted] advised that Regional could accept a cash settlement for a lump sum due to your current circumstances. In response you stated that Regional has no options that suit your financial needs. You also indicated you will not continue to make payments on your account as it is not in your best interest. At this time, Regional will not reduce the interest rate on your loan to zero. All terms as previously disclosed to you will remain in effect on your account. If you wish to pursue one of the options above please reach out to your branch or Mr. M[redacted] directly to discuss your options in more detail. We appreciate your business and thank you for choosing Regional for your finance needs. Sincerely, J[redacted] O’K[redacted] Regulatory and Consumer Relations Manager
Re: Compliant ID: [redacted] Dear Ms. [redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated March 17, 2016. Please accept this letter as the response of Regional Finance Corporation of South Carolina (“Regional”). At...
Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you stated that you have had difficulty paying off your account because every time you make a payment there is additional interest, so the branch returns your checks to you. Interest accrues daily on your account, but we will accept a final payment of $130.40 if you will pay the branch before the end of the month. We appreciate your willingness to pay your account. We apologize for any inconvenience you may have experienced regarding this matter. If I can be of further assistance, please do not hesitate to contact me directly at the home office at 864-[redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst
Re: Complaint ID: [redacted] Dear Ms. [redacted]: I am writing in reply to the complaint that you filed with the Revdex.com (“Revdex.com”) dated August 27, 2015. Thank you for taking the time to provide feedback to Regional Finance Corporation of Tennessee (“Regional”). At Regional...
we value our customer experience and always welcome any questions or concerns. In your complaint, you stated that Regional representatives have contacted you at your home because you were listed as a reference for another individual. Regional abides by all applicable laws and regulations in our efforts to communicate with our customers and references and always honors requests to cease contact. Pursuant to your request, we have removed your contact information from our records. Therefore, you will not receive any future communication from Regional. At Regional, we strive to provide quality financial services with the utmost customer care. If you have any further questions or concerns, please do not hesitate to contact me at 864[redacted] or [redacted]
Sincerely, [redacted] Jr. Regulatory and Consumer Relations Manager
Re: Complaint ID: [redacted]
To Whom It May Concern: I am writing in response to the Revdex.com ("Revdex.com") complaint dated March 13, 2017 that was filed by [redacted]. Please accept this letter as the response of Regional Finance Company of New Mexico ("Regional"). Going...
forward, please forward any complaint received against Regional to the South Carolina Revdex.com, which will ensure a timely response from Regional. We apologize for our delay in responding. Ms. [redacted]'s complaint alleges that she paid off her loan in five months, she was charged interest for the sixth month and she was double charged for the final month. She states she overpaid the branch by $134.24. Ms. [redacted] claims the branch failed to provide her with a payoff receipt; the branch originally provided her with a receipt for someone else's account. Ms. [redacted] requests to be refunded the $134.24. A District Supervisor in New Mexico, [redacted], has been in contact with Ms. [redacted] to resolve her complaint. Mr. [redacted] confirmed that Ms. [redacted] was not overcharged and that our computer system will not allow Regional to charge future interest. Ms. [redacted] was correctly charged for the amount of time that she had the loan. Also, Mr. [redacted] confirmed that Ms. [redacted]'s last payment was initially posted to the incorrect account, which was later corrected. Additionally, Mr. [redacted] established that Ms. [redacted] had received a copy of her payment history reflecting all payments made, including her final payment. Mr. [redacted] invited Ms. [redacted] to visit the branch in order for him to review all of Regional's records with her, but Ms. [redacted] has not visited the branch. If I can be of further assistance, please do not hesitate to contact me at (864) [redacted] or [redacted]. Sincerely, [redacted]Regulatory and Consumer Relations Analyst
Re: Complaint ID: [redacted]
Dear Ms. [redacted]: I am writing in response to the...
complaint that you filed with the Revdex.com (“Revdex.com”) dated June 8, 2017. Please accept this letter as the response of Regional Finance Corporation of Texas (“Regional”). In your complaint you stated that you received numerous calls to refinance your loan, but were not told that you would have to complete an application again. You explained that when you declined a larger loan amount, the branch then advised that you could not get the $900.00 loan originally offered to you because you did not make enough money. You revealed that the manager was rude to the employee assisting you, and the manager refused to provide you with the district manager number and the corporate office number to launch a complaint. You request to have the inquiry removed from your credit report and written policy indicating a new application is required to renew a loan. At Regional, if renewals are completed within 12 months of the previous application, then no new application or credit bureau report is required. The 12 months on your loan were on January 31, 2017. Per company policy, there is a script that employees are to read to customers when updating an application and pulling a new credit bureau report, which includes a statement that a credit report will be pulled in connection with the application. The branch employee claims she followed company policy by following the script and advising you that an application was required and a credit report would be pulled. The branch employee also claims to have provided the phone number to the corporate office when requested. Our records indicate that you were not approved for an additional loan because you had lower than expected income and higher than expected debt to income ratio. Regional expects all of its employees to always treat its customers with the utmost respect, and Regional takes allegations of rude behavior very seriously. A thorough investigation revealed no evidence to substantiate the rude behavior allegation. However, Regional appreciates that you took the time to bring your concerns to our attention. Regional cannot have the inquiry removed from your credit report because Equifax will only remove inquiries that are the result of fraud, and this inquiry is not the result of fraud. We appreciate your business and thank you for choosing Regional for your financial needs. Sincerely, Dawn L[redacted] Regulatory and Consumer Relations Analyst
September **, 2017 K[redacted] K[redacted] Via Electronic Upload Re: Complaint ID: [redacted] Dear Mr. K[redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated September **, 2017....
Please accept this letter as the response of Regional Finance Corporation of North Carolina (“Regional”). At Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you state that the branch is not adhering to the mandated 10 day grace period for your payment. You revealed that you always make your payment during the grace period. In addition, you have requested to receive no further contact from Regional or you will contact the Attorney General. Please be aware that Regional does not offer a grace period for payments. Your payments are due on the due date, as stated on your contract. Your account will not be charged a late fee until after the 10th day that your payment is due. In addition your account has been marked as “Cease and Desist,” you will receive no further communication from Regional. Regional thanks you for choosing us for your financial needs. Sincerely, S[redacted] N[redacted] Regulatory and Consumer Relations Manager
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]
I am rejecting this response because I never told them two different locations about who told me that the money was counterfeit. I notified the company immediately and returned the money as soon as I got off work. The company did not notify the police which should have been the 1st thing they should have done I had to contact them. This company took my real 200 and gave me 50 in counterfeit money I no longer have confidence or trust with dealing with this company. I provided them with the money within 24 hours of receiving it and I told her the money was fake while I was at the Anniston office. The company should train their employees to read the counterfeit marker because if a mark appears on the bill then fake.
Regards,
Z[redacted]
[redacted] Via Electronic Upload Re: Complaint ID: [redacted] Dear Ms. [redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated February 3, 2017. Please accept this letter as the response of Regional Finance...
Corporation of Texas (“Regional”). In your complaint you state that you informed Regional to stop calling your phone number, but Regional has continued to call you. You explain that you do not have an account with Regional nor have you provided them with your information. You request that your phone number be removed from Regional’s system and to never be contacted again. We regret that you were contacted after requesting that Regional stop contacting you. Please be advised that your phone number has been removed from our system, and you will no longer be contacted by Regional. Thank you for allowing Regional the opportunity to address your concern. Sincerely, Dawn L[redacted] Regulatory and Consumer Relations Analyst