[redacted] acknowledges receipt of the complaint filed by Mr [redacted] with the Revdex.com, regarding a payment arrangement, and we have investigated the claim very carefullyAfter careful review we discovered that Mr [redacted] reached a payment agreement, as he requested, on January 25, and was satisfied with the customer service provided Please feel free to reach out to me if you have any questions or need additional information
Covington Credit reiterates its dispute of Ms [redacted] 's complaint including her rebuttal response Covington Credit advised Ms [redacted] in January that her payment of $was inadequate to payoff her account Covington Credit does not send monthly statements In July 2017, Covington Credit provided Ms [redacted] with the payoff amount of $calculated as of January 2017, the date her prior payment of $was posted Ms [redacted] failed to remit the payoff balance and the account was charged-off in January As a resolution to this dispute between the parties, Covington Credit is willing to accept the January payoff of $in full satisfaction of the debt and revise the credit reporting of this account to reflect it paid off as of January 31, If this offer is acceptable, Ms [redacted] may contact Jane R [redacted] at 864- [redacted] to obtain payment options Upon receipt of the final payoff amount, Covington Credit will submit a credit report update for the loan
Covington Credit acknowledges receipt of the complaint filed by Ms [redacted] with the Revdex.com, regarding customer hardship and her contact preferences; and we investigated the claims very carefullyAfter careful review we confirm that Ms [redacted] reached a payment agreement with the branch, as she requested, on February 13, and the account was been paid out on 2/13/ In addition, the account has been coded to reflect Ms [redacted] s contact preferences of not calling her husband and place of employmentPlease feel free to reach out to me if you have any questions or need additional information
Covington Credit acknowledges receipt of the complaint filed by Ms [redacted] with the Revdex.com, regarding collections practices and contact preferences; and we investigated the claims very carefullyAfter careful review we confirm that Ms [redacted] is currently due from 6/18/and the collections activity was appropriate In addition, the account has been coded to reflect Ms [redacted] contact preferencesPlease feel free to reach out to me if you have any questions or need additional information
Covington Credit acknowledges receipt of the complaint filed by Mr [redacted] on July18, regarding collectionsCovington Credit has strict policies and procedures in place regarding collections activity and have investigated the claims very carefullyPlease note that upon review of Mr [redacted] ’s account the collections activity was appropriate pursuant to applicable law and regulation, however Covington Credit has noted the customer’s account to reflect that he does not wish to receive courtesy visits going forwardPlease don't hesitate to reach out if additional information is needed.Sincerely,Complainant AnalystCC: Covington Credit – ***
Covington Credit is in receipt of the complaint filed by Ms [redacted] regarding collection activitiesPlease note that Covington Credit has policies and procedures in place regarding collection practices and have removed her number from our system so she will not receive future calls If you have additional questions please let me know
I just wanted to note that it does not matter how much was owed I tried to pay and I tried to pay the Nither would go because it was the last payment You need to fix your system The late fee came because you would NOT take my payment and I was out of town You NEED to post on the website that final payment will not take online Had you done this I may of been able to make othe rarrangements and not got a late fee on my last paymentTHe people at my local office took care of the late fee which closed out my account They were very nice I am still not pleased with the Corparate office on this issue as something needs to be done in the grand scheme of thingsHowever my account is now closed in good standingI only reject your message as so I can add this information about your unfair buisness pratice of not informing the customer on payments online Regards, [redacted]
Good Afternoon, Please be advised the payoff amount the customer was good for one dayHowever, Covington Credit has resolved this issue by refunding the $due to the inadvertent error of not advising the customer that the payoff was good through that day Thank you, Lindsey K [redacted] S***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Thank you! Regards, [redacted]
December 11, MsCindy R [redacted] Revdex.com of Upstate South Carolina NChurch Street Greenville, SC RE: Complaint filed by [redacted] dated November 10, Revdex.com Case Number: [redacted] Dear MsR***: Covington Credit is in receipt of the complaint regarding collection calls filed by [redacted] on November 10, and received by Covington on December 5, In researching Ms [redacted] ’s complaint, I spoke with the branch manager and reviewed the collection history on Ms [redacted] ’s account I did not have an opportunity to contact Ms [redacted] directly, but will attempt to contact her tomorrow Covington Credit did attempt to contact Ms [redacted] directly at her place of employmentCovington Credit did not have a direct extension for Ms [redacted] and calls were answered by unknown personnel Covington Credit policies authorize employees to call a customer at work, but prohibits employees from discussing account information with third parties Furthermore, if Covington knows or has reason to know that a customer is not permitted to receive calls at work then calls to a customer’s place of employment are prohibited On November 10, 2017, Ms [redacted] called Covington Credit and requested that we cease attempting to contact her at work Covington’s branch manager promptly notated Ms [redacted] ’s account to cease calls to her at work and no calls have been placed to Ms [redacted] ’s place of employment since November 10, Upon receipt of Ms [redacted] ’s Revdex.com complaint, her account was notated to cease all telephone communication While Covington Credit acknowledges attempting to contact Ms [redacted] at work, we deny that Covington disclosed any information regarding her account to Ms [redacted] ’s co-workers and immediately ceased calls upon Ms [redacted] ’s request Additionally, this matter was discussed with branch employees to ensure their understanding and adherence to Covington’s collection call policies and procedures Covington Credit values its relationships with customers and hope Ms [redacted] believes these steps adequately resolve this matter Sincerely, Connie K [redacted] Chief Compliance Officer
We have reviewed the complaint filed regarding our Covington Credit office in [redacted] , AL Please note that this complaint was filed on May 30, 2014, but we did not receive it until October 28, The complainant alleges that she made arrangements to make small payments on the account until it was paid in full However, the account was reported as a charge off on her credit report and the complainant wants the charge off removed In response, please note that it is Covington Credit’s policy to disclose in writing to customers that late payments may be reported to a credit bureau Covington Credit is also obligated to accurately report account information to the credit bureau No payments were made on the complainant’s account since April, and the account was charged off on September 26, 2013, at which time the account was months past due Therefore, the account was reported as a charge off Since the date of this complaint, the customer has paid the account in full I have reviewed the customer’s credit and it is properly reporting as a paid charge off account with a $balance This response should address all of the customer’s concerns Therefore we will consider this complaint file closed We appreciate the opportunity to respond [redacted] Director of Governmental Affairs and ComplianceSouthern Management
Quick Credit was contacted about MrT***'s bank's error in depositing his "live check" loan MrT [redacted] remitted the cash proceeds of the loan to Quick Credit and Quick Credit in turn rescinded the loan at not cost to MrT [redacted] including steps to prevent the loan from reporting to any credit reporting agencyFurthermore, Quick Credit has appropriately addressed the behavior that MrT [redacted] stated occurred with the Quick Credit employee
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.I called the company and was informed that someone from their company would return my call and they would be able to have the inquiry removed off my credit since I did not apply for ANY loan with this company, in fact on a recorded call I informed the representative that I have never heard this company and there are a fraud alert on all credit reportsThe ONLY thing I have received from this company is were they obtained a copy of my trans union report and scoreAgain I was informed that I would receive a call back and never didI am asking that this issue gets resolved asap due to this company NOT taking the proper steps to insure that there was no fraud taking place when the loan was applied for which I was informed that it was done onlineI am currently in the process of purchasing a home and it shows a inquiry from this company that I have NO knowledge of Regards, [redacted]
Miss [redacted] did settle her account for less than the full balance A letter was sent to her on March 20th, memorializing the details of the settlement A letter was sent to Miss [redacted] on the exact same day stating that Miss [redacted] was able to receive more funds at a later date or refer a friend At the top of the letter an incorrect balance was quoted of $ The balance was reflected in this letter inadvertently, as our system had not had time to properly update the account We regret any confusion this may have caused Miss [redacted] However, the account has been settled accordingly and no harm has been caused to the consumerPlease let me know if you have any questions or concernsWarm Regards, Tara T [redacted] General Counsel
We are in receipt of the complaint filed by [redacted] on July 6, regarding collection practicesCovington Credit has policies and procedures in place for servicing and collection activities and after thorough review of the account we have verified that the call that was made was in regards to a past due paymentHowever, Covington Credit will reach out to the customer directly to gather any additional information needed to investigate claims regarding the manner of the employees mentioned in the complaint and take action as necessary
Covington Credit acknowledges receipt of the complaint filed by Ms [redacted] regarding a credit disputeCovington Credit has strict policies and procedures regarding loan origination and after thorough investigation; the credit inquiry was inadvertent and Covington Credit has submitted a request to have the credit inquiry removedPlease be advised our policy is to disclose any time when a credit inquiry is required, therefore the employee has been counseled and provided additional trainingPlease don't hesitate to reach out if additional information is needed
Good Morning, Please note the response was due for this complaint on Easter Sunday, a national holidayCovington Credit acknowledges receipt of the complaint filed by Mr [redacted] regarding collection contact preferencesPlease be advised we have not previously received any requests not to make collections calls from the borrower but have coded the account to reflect that Mr [redacted] will no longer be contacted by phonePlease feel free to reach out to me if you have any questionsThank you, Lindsey S*Complainant Analyst
Southern Finance acknowledges receipt of the complaint filed by Mr [redacted] with the Revdex.com, regarding collection contact preferences, and we have investigated the claim very carefullyAfter careful review of the account we confirmed all collection activities were conducted appropriately and we have no record of Mr [redacted] requesting not to call his place of employment However, Southern Finance has coded Mr***’s account to reflect that we will not call him or his place of employment going forward, per his requestPlease feel free to reach out to me if you have any questions or need additional information
We have reviewed the complaint regarding our Quick Credit office in [redacted] , TN The complainant alleges that we are harassing her by calling her and visiting her at her job In response, please note that the complainant does not deny being past due on her account Currently her account is due for July, August, and September in the amount of $When an account such as the complainant’s becomes seriously past due, Quick Credit will work diligently with the customer to help restore their account to good standing We also understand that customers may have cash flow emergencies Our goal in dealing with customers is complete customer satisfaction and to help customers make arrangements to fulfill their credit obligations If a customer refuses to contact us and make payment arrangements, we have collection procedures in place that are designed to make contact with the customer so that we can discuss their account Please note that I have also reviewed the notes on the account and discussed this complaint with the branch manager and there is no indication that the customer ever requested not to be contacted at her place of employment The customer’s desired resolution is not to be contacted by the branch We will honor her request and ask that the complainant contact the branch so that an arrangement can be made that is fair to all parties This response should address all of the complainant’s concerns and meet her desired resolution Therefore, we will consider this complaint file closed We appreciate the opportunity to respond Sincerely, [redacted] Director of Governmental Affairs and Compliance Southern Management
[redacted] acknowledges receipt of the complaint filed by Mr [redacted] with the Revdex.com, regarding a payment arrangement, and we have investigated the claim very carefullyAfter careful review we discovered that Mr [redacted] reached a payment agreement, as he requested, on January 25, and was satisfied with the customer service provided Please feel free to reach out to me if you have any questions or need additional information
Covington Credit reiterates its dispute of Ms [redacted] 's complaint including her rebuttal response Covington Credit advised Ms [redacted] in January that her payment of $was inadequate to payoff her account Covington Credit does not send monthly statements In July 2017, Covington Credit provided Ms [redacted] with the payoff amount of $calculated as of January 2017, the date her prior payment of $was posted Ms [redacted] failed to remit the payoff balance and the account was charged-off in January As a resolution to this dispute between the parties, Covington Credit is willing to accept the January payoff of $in full satisfaction of the debt and revise the credit reporting of this account to reflect it paid off as of January 31, If this offer is acceptable, Ms [redacted] may contact Jane R [redacted] at 864- [redacted] to obtain payment options Upon receipt of the final payoff amount, Covington Credit will submit a credit report update for the loan
Covington Credit acknowledges receipt of the complaint filed by Ms [redacted] with the Revdex.com, regarding customer hardship and her contact preferences; and we investigated the claims very carefullyAfter careful review we confirm that Ms [redacted] reached a payment agreement with the branch, as she requested, on February 13, and the account was been paid out on 2/13/ In addition, the account has been coded to reflect Ms [redacted] s contact preferences of not calling her husband and place of employmentPlease feel free to reach out to me if you have any questions or need additional information
Covington Credit acknowledges receipt of the complaint filed by Ms [redacted] with the Revdex.com, regarding collections practices and contact preferences; and we investigated the claims very carefullyAfter careful review we confirm that Ms [redacted] is currently due from 6/18/and the collections activity was appropriate In addition, the account has been coded to reflect Ms [redacted] contact preferencesPlease feel free to reach out to me if you have any questions or need additional information
Covington Credit acknowledges receipt of the complaint filed by Mr [redacted] on July18, regarding collectionsCovington Credit has strict policies and procedures in place regarding collections activity and have investigated the claims very carefullyPlease note that upon review of Mr [redacted] ’s account the collections activity was appropriate pursuant to applicable law and regulation, however Covington Credit has noted the customer’s account to reflect that he does not wish to receive courtesy visits going forwardPlease don't hesitate to reach out if additional information is needed.Sincerely,Complainant AnalystCC: Covington Credit – ***
Covington Credit is in receipt of the complaint filed by Ms [redacted] regarding collection activitiesPlease note that Covington Credit has policies and procedures in place regarding collection practices and have removed her number from our system so she will not receive future calls If you have additional questions please let me know
I just wanted to note that it does not matter how much was owed I tried to pay and I tried to pay the Nither would go because it was the last payment You need to fix your system The late fee came because you would NOT take my payment and I was out of town You NEED to post on the website that final payment will not take online Had you done this I may of been able to make othe rarrangements and not got a late fee on my last paymentTHe people at my local office took care of the late fee which closed out my account They were very nice I am still not pleased with the Corparate office on this issue as something needs to be done in the grand scheme of thingsHowever my account is now closed in good standingI only reject your message as so I can add this information about your unfair buisness pratice of not informing the customer on payments online Regards, [redacted]
Good Afternoon, Please be advised the payoff amount the customer was good for one dayHowever, Covington Credit has resolved this issue by refunding the $due to the inadvertent error of not advising the customer that the payoff was good through that day Thank you, Lindsey K [redacted] S***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Thank you! Regards, [redacted]
December 11, MsCindy R [redacted] Revdex.com of Upstate South Carolina NChurch Street Greenville, SC RE: Complaint filed by [redacted] dated November 10, Revdex.com Case Number: [redacted] Dear MsR***: Covington Credit is in receipt of the complaint regarding collection calls filed by [redacted] on November 10, and received by Covington on December 5, In researching Ms [redacted] ’s complaint, I spoke with the branch manager and reviewed the collection history on Ms [redacted] ’s account I did not have an opportunity to contact Ms [redacted] directly, but will attempt to contact her tomorrow Covington Credit did attempt to contact Ms [redacted] directly at her place of employmentCovington Credit did not have a direct extension for Ms [redacted] and calls were answered by unknown personnel Covington Credit policies authorize employees to call a customer at work, but prohibits employees from discussing account information with third parties Furthermore, if Covington knows or has reason to know that a customer is not permitted to receive calls at work then calls to a customer’s place of employment are prohibited On November 10, 2017, Ms [redacted] called Covington Credit and requested that we cease attempting to contact her at work Covington’s branch manager promptly notated Ms [redacted] ’s account to cease calls to her at work and no calls have been placed to Ms [redacted] ’s place of employment since November 10, Upon receipt of Ms [redacted] ’s Revdex.com complaint, her account was notated to cease all telephone communication While Covington Credit acknowledges attempting to contact Ms [redacted] at work, we deny that Covington disclosed any information regarding her account to Ms [redacted] ’s co-workers and immediately ceased calls upon Ms [redacted] ’s request Additionally, this matter was discussed with branch employees to ensure their understanding and adherence to Covington’s collection call policies and procedures Covington Credit values its relationships with customers and hope Ms [redacted] believes these steps adequately resolve this matter Sincerely, Connie K [redacted] Chief Compliance Officer
We have reviewed the complaint filed regarding our Covington Credit office in [redacted] , AL Please note that this complaint was filed on May 30, 2014, but we did not receive it until October 28, The complainant alleges that she made arrangements to make small payments on the account until it was paid in full However, the account was reported as a charge off on her credit report and the complainant wants the charge off removed In response, please note that it is Covington Credit’s policy to disclose in writing to customers that late payments may be reported to a credit bureau Covington Credit is also obligated to accurately report account information to the credit bureau No payments were made on the complainant’s account since April, and the account was charged off on September 26, 2013, at which time the account was months past due Therefore, the account was reported as a charge off Since the date of this complaint, the customer has paid the account in full I have reviewed the customer’s credit and it is properly reporting as a paid charge off account with a $balance This response should address all of the customer’s concerns Therefore we will consider this complaint file closed We appreciate the opportunity to respond [redacted] Director of Governmental Affairs and ComplianceSouthern Management
Quick Credit was contacted about MrT***'s bank's error in depositing his "live check" loan MrT [redacted] remitted the cash proceeds of the loan to Quick Credit and Quick Credit in turn rescinded the loan at not cost to MrT [redacted] including steps to prevent the loan from reporting to any credit reporting agencyFurthermore, Quick Credit has appropriately addressed the behavior that MrT [redacted] stated occurred with the Quick Credit employee
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.I called the company and was informed that someone from their company would return my call and they would be able to have the inquiry removed off my credit since I did not apply for ANY loan with this company, in fact on a recorded call I informed the representative that I have never heard this company and there are a fraud alert on all credit reportsThe ONLY thing I have received from this company is were they obtained a copy of my trans union report and scoreAgain I was informed that I would receive a call back and never didI am asking that this issue gets resolved asap due to this company NOT taking the proper steps to insure that there was no fraud taking place when the loan was applied for which I was informed that it was done onlineI am currently in the process of purchasing a home and it shows a inquiry from this company that I have NO knowledge of Regards, [redacted]
Miss [redacted] did settle her account for less than the full balance A letter was sent to her on March 20th, memorializing the details of the settlement A letter was sent to Miss [redacted] on the exact same day stating that Miss [redacted] was able to receive more funds at a later date or refer a friend At the top of the letter an incorrect balance was quoted of $ The balance was reflected in this letter inadvertently, as our system had not had time to properly update the account We regret any confusion this may have caused Miss [redacted] However, the account has been settled accordingly and no harm has been caused to the consumerPlease let me know if you have any questions or concernsWarm Regards, Tara T [redacted] General Counsel
We are in receipt of the complaint filed by [redacted] on July 6, regarding collection practicesCovington Credit has policies and procedures in place for servicing and collection activities and after thorough review of the account we have verified that the call that was made was in regards to a past due paymentHowever, Covington Credit will reach out to the customer directly to gather any additional information needed to investigate claims regarding the manner of the employees mentioned in the complaint and take action as necessary
Covington Credit acknowledges receipt of the complaint filed by Ms [redacted] regarding a credit disputeCovington Credit has strict policies and procedures regarding loan origination and after thorough investigation; the credit inquiry was inadvertent and Covington Credit has submitted a request to have the credit inquiry removedPlease be advised our policy is to disclose any time when a credit inquiry is required, therefore the employee has been counseled and provided additional trainingPlease don't hesitate to reach out if additional information is needed
Good Morning, Please note the response was due for this complaint on Easter Sunday, a national holidayCovington Credit acknowledges receipt of the complaint filed by Mr [redacted] regarding collection contact preferencesPlease be advised we have not previously received any requests not to make collections calls from the borrower but have coded the account to reflect that Mr [redacted] will no longer be contacted by phonePlease feel free to reach out to me if you have any questionsThank you, Lindsey S
*Complainant Analyst
Southern Finance acknowledges receipt of the complaint filed by Mr [redacted] with the Revdex.com, regarding collection contact preferences, and we have investigated the claim very carefullyAfter careful review of the account we confirmed all collection activities were conducted appropriately and we have no record of Mr [redacted] requesting not to call his place of employment However, Southern Finance has coded Mr***’s account to reflect that we will not call him or his place of employment going forward, per his requestPlease feel free to reach out to me if you have any questions or need additional information
We have reviewed the complaint regarding our Quick Credit office in [redacted] , TN The complainant alleges that we are harassing her by calling her and visiting her at her job In response, please note that the complainant does not deny being past due on her account Currently her account is due for July, August, and September in the amount of $When an account such as the complainant’s becomes seriously past due, Quick Credit will work diligently with the customer to help restore their account to good standing We also understand that customers may have cash flow emergencies Our goal in dealing with customers is complete customer satisfaction and to help customers make arrangements to fulfill their credit obligations If a customer refuses to contact us and make payment arrangements, we have collection procedures in place that are designed to make contact with the customer so that we can discuss their account Please note that I have also reviewed the notes on the account and discussed this complaint with the branch manager and there is no indication that the customer ever requested not to be contacted at her place of employment The customer’s desired resolution is not to be contacted by the branch We will honor her request and ask that the complainant contact the branch so that an arrangement can be made that is fair to all parties This response should address all of the complainant’s concerns and meet her desired resolution Therefore, we will consider this complaint file closed We appreciate the opportunity to respond Sincerely, [redacted] Director of Governmental Affairs and Compliance Southern Management
Thank you for your assistanceAND the complaint is resolved no more contacts has been made thank you for your help from a very frustrating situation