Dollar Financial Group Incorporated

September 9, 2014Dear [redacted]:Dollar Financial Group, Inc. hereby respectfully responds to the above referenced complaint. While we were able to locate customers with the same name as the complainant in our systems, none of the contact information listed in their records matched the...

information provided in [redacted]'s complaint. We are thus unable to research and respond to the claims in this complaint as we cannot determine whether the complainant was a former customer. We encourage [redacted] to amend her complaint with the Revdex.com by adding further identification information or to contact our Administrative Support team directly at ###-###-#### and provide us with additional information to allow us to research and resolve this matter.Sincerely,Drew MCompliance Analyst

Review: I had written a check on October 9, 2009. I didn't pay it so it went to their collection department. I have a record of it being paid. I made payments until it was all paid off. Those dates were 03/15/2010 for $5, 03/29/2010 for $5, 04/09/2010 for $100, 05/10/2010 for $80, and the final payment on 05/24/2010 for $79. I was told this debt was sold to a different collection agency on 05/02/2010 while I was still making payments to this company. It has been bought and sold for almost three years with various collection agencies callling me during this time. I kept telling these agencies that I paid it off but it didn't matter. With this final collection agency, I sent them two faxes of my bank statements (in February 2013) and got the phone number to Dollar Financial so I could contact them directly to find out what was going on. When I got someone, it took them a few days to get back to me, but they figured out somehow they had duplicated and it appeared the first one was paid, but the duplicate was not. The duplicate was the exact same check. They told me it was resolved and they would be sending me a letter in the mail stating that the debt was in fact PAID. I received a phone call on 03/20/2013 from the collection agency that had bought this debt from Dollar Financial. When I returned the phone call they told me I still had this debt and if I didn't resolve it, legal action would be taken. I then called Dollar Financial and was given their number for their collection department (phone number [redacted]) wanting to know what happened to the letter. They told me it was sent on 02/28/2013. I requested another one because I never received it. I need it to send it to the collection agency they sold this bad debt to so they do not seek legal action on something I already paid. They said the only way to get this taken care of was for that letter saying it was paid or I would have to pay it again. I told them I was not going to because I paid it once already.Desired Settlement: I would like for this company to get the things done they said they would do. I need that letter because I am not going to pay this debt off again. Since this has been in collections for almost three years and if it has been affecting my credit, I want that fixed. They should do a better job keeping track of their business. Just because this was three years ago doesn't mean I don't remember paying it. I still have a record.

Business

Response:

American Payday Loans hereby respectfully responds

to the complaint of [redacted] that was filed with the RevDex.com on March 21, 2013. According to our records, on October 9, 2009,

[redacted] received a payday loan for $339. The loan was due on October

23, 2009. According to the terms of her contract, the check was sent to

deposit in payment of the debt when the customer did not return to the store on

the due date to pay the loan in cash. The check was returned from her

bank for insufficient funds on November 3, 2009. [redacted] subsequently

paid the debt in full in May, 2010. The debt was erroneously sent to a

collection agency, but has been recalled. She should be receiving no

further calls. I’ve also attached a letter that was sent to her on

February 28 confirming the debt was paid in full. If she has any further

questions or concerns, please have her contact our Administrative Support team

at [redacted]. Please let me know if you need any additional

information. Thank you.

Review: As of July 31, 2014, It was reported on my credit report that I owed Dollar Financial Group $300. The collection agency is [redacted] and the Creditor is Dollar Financial Group. I immediately contacted the collection agency, [redacted], at ###-###-#### and spoke with both Desiree and David, and they answer the phone "Hello" not by their company name, which I thought was fishy as well. I asked what this was about as I had no recollection of this company nor have conducted business with this company before, so why is this on my credit report? I was informed by these two representatives that this was a payday loan company from a transaction back in 2010. However, I informed them I have no idea who this company is nor have I ever conducted any business with them. When I asked them to produce a contract that I had supposedly signed with this company, they could not do so. I have called a few times and was told that this supposedly signed contract and information of the creditor would be e-mailed to me then a hard copy in the mail. However, I have never received a thing, and it's been over a month since this has been reported on my credit report. I have received solicitation calls in the past from [redacted]#, [redacted]#, and [redacted]#, which Desiree stated she would call me back from a [redacted]# but never did. When I tried to contact the collection agency again on September 4, 2014, for the validity of this debt and informed them I was filing a complaint with Revdex.com and State Attorney General's Office since no documentation of validity could be produced, I was hung up on by David at Accelerated Financial Solutions. I called the State Attorney General's Office and spoke with the Department of Business Oversight and was informed that this company was not licensed and to file a complaint. I disputed with Experian and have filed a complaint with the State Attorney General's office as well and provided a copy of that complaint to Experian Dispute Department. I feel this is truly fraudulent.Desired Settlement: If no documentation or supposedly signed contract can be produced, I am demanding this be removed from my credit file immediately. As I stated, I feel this is truly fraudulent.

Business

Response:

September 9, 2014Dear [redacted]:Dollar Financial Group, Inc. hereby respectfully responds to the above referenced complaint. While we were able to locate customers with the same name as the complainant in our systems, none of the contact information listed in their records matched the information provided in [redacted]'s complaint. We are thus unable to research and respond to the claims in this complaint as we cannot determine whether the complainant was a former customer. We encourage [redacted] to amend her complaint with the Revdex.com by adding further identification information or to contact our Administrative Support team directly at ###-###-#### and provide us with additional information to allow us to research and resolve this matter.Sincerely,Drew MCompliance Analyst