*** ** *** *** *** * *** *** *** *** *** * *** *** ** ***
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,
*** ***
There has been no activity or attempts to contact this customer since October of when this account was charged off as a loss. Since the customer claims that he did not know of the debt and asked for proof of the debt and never received it, we have also deleted the account from his credit
bureau
Thanks,
*** ***
Southern Management
We have reviewed the complaint filed regarding our *** *** office in *** *** *** The complainant alleges that there was a misunderstanding regarding how much money he would receive when he took out his loan with *** ***, the difference being $**.
In response,
please note that I have reviewed the charges and terms on the complainant’s loan and they are correct and the customer did receive the correct amount of cash. However, since it is *** ***’s goal to make sure our customers receive complete satisfaction we will honor the complainant’s request and make a one-time credit of $** to the complainant’s account.
We appreciate the complainant’s business and we believe this response should address the complainant’s concern and meet his desired resolution. Therefore, we will consider this complaint file closed. We appreciate the opportunity to respond
Sincerely,
*** ***
Director of Governmental Affairs and Compliance
Southern Management
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 issue. I have had two loans with this company and there is a written application on file which indicated that they were not to contact me at work They are still providing information On October 27th, I called them to obtain the information in order to make my payment online which I did Later that afternoon they were calling me asking about my payment I still have the voicemail in my phone to prove this There was apparently an issue with their aystwm so it didn't post until the next day. my number one issue is they were closed on the 27th of November and the fact that I had already spoke to the manager on November 21st advising when I would be paying off the account and she neglected to document the account Then on November 28th they called multiple times two different reapresentatoves witjin a matter of less than 'united and began calling references as if I was multiple days behind They didn't even allow minutes to pass to even give me the opportunity to call back before they called my husband Calling my phone at 10:34, my husband at 10:and then my job at 10:is absolutely unacceptable
Regards,
*** ***
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,
*** ***
Covington Credit acknowledges receipt of the complaint filed by Mr*** on March 9, regarding billingCovington Credit will reach out to the customer directly to ensure the address we have on file is up to date; however, please note that our records reflect that we have been mailing
payment receipts to the customer’s address on file, per the customer’s request, with the most recent receipt being mailed out on 3/17/Please don't hesitate to reach out if additional information is needed
Covington Credit has reviewed Ms*** inquiry regarding the refinancing of her loan. In preparing the response, Covington Credit reviewed Ms*** statement, her loan history for both the original loan and refinanced loan, spoken to branch employees, and reviewed Covington's refinance
policies and proceduresCovington Credit believes that the Branch employee who closed Ms*** refinanced loan fully explained the terms and the benefits and followed Covington Credit's refinance policies and procedures. Ms*** loan was days past due at the time of the refinance. The benefit Ms*** received by refinancing the loan was that instead of making the scheduled payment, she was able to make a smaller partial payment and extended her next due date by days from the original scheduled due date. Due to Ms*** statement that she did not understand the benefits or terms of the refinance, Covington Credit will credit Ms*** account with the difference between the acquisition fee on the refinanced loan and acquisition fee for the original loan
Covington Credit acknowledges receipt of the complaint filed with the Revdex.com regarding a credit inquiry, and has investigated the claim very carefullyWe have policies and procedures in place regarding loan servicing and credit inquiries and have submitted a request to the credit
bureau to have the inadvertent inquiry removed for the Ms***In addition, supplementary training has been completed by the Covington Credit branch located at *** *** *** Blvd., ***, TN Please feel free to reach out to me if you have any questions or need additional information
We have reviewed the complaint regarding our Southern Finance
office in ***, SC. In the
complaint, the customer alleges we were unprofessional when making a collection
call
We have investigated the
allegations. We interviewed the employee
mentioned in the allegation
and the Branch Manager We also reviewed the customer’s account and
there is no indication that we acted unprofessionally when attempting to make
contact with this customer
The customer’s desired settlement is no further contact by
our company. We will no longer correspond
with the customer by phone Any further
contact will be by letter. Therefore, we
consider this file closed
Thank you for the opportunity to reply
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.
Regards,
[redacted]
We are in receipt of the complaint filed by Mr. [redacted] on January 23, 2016 regarding fraud. Covington Credit has strict policies and procedures in the instance of a fraud claim and after thorough review of the account and by reaching out directly to Mr. [redacted] to explain the fraud claim...
process; he has agreed to execute the necessary affidavit of fraud provided by [redacted] in order to process his fraud claim. In regards to the claim that a fraudulent application was accepted, that claim is denied. The contract in question is a live check, which does not involve a person coming into the branch to fill out an application. Please don't hesitate to reach out if additional information is needed. Thank you.
We are in receipt of the complaint filed by Mr. [redacted] on 2/1/2017, regarding a live check concern. [redacted] Credit has strict policies and procedures in place regarding loan servicing and after thorough review of the account we confirm that the appropriate refunds were applied when this account was...
paid out, and the account balance is zero. In addition, this account was paid out 11 days after origination, not 8, as noted in the complaint. In regards to the claim the customer was not aware of the contract terms, this claim is denied, as the terms and conditions of agreement are attached to the offer. In addition, [redacted] Credit verified the customer's information on 1/24/17 and 2/1/17, wherein the customer acknowledged the terms and conditions of the live check agreement. Please don't hesitate to reach out if additional information is needed.
Covington Credit acknowledges receipt of the complaint filed by Mr. [redacted] with the Revdex.com regarding a payment, and has investigated the claim very carefully. After careful review we determined that Mr. [redacted] attempted to pay 87.00 online, however at the time he initiated this...
transaction the amount due was $102.00 due to a late charge Mr. [redacted] accrued on 10/14/16. Covington Credit reached out to Mr. [redacted] in an effort to assist him and he elected to come into the branch and pay his payment. Please feel free to reach out to me if you have any questions or need additional information.
Good Afternoon, Please be advised the payoff amount the customer was good for one day. However, Covington Credit has resolved this issue by refunding the $32.00 due to the inadvertent error of not advising the customer that the payoff was good through that day. Thank...
Covington Credit is in receipt of the complaint filed by Ms. [redacted] regarding collection activities. Please 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...
We have reviewed the complaint regarding our Southern Finance office in [redacted], SC. In the complaint the customer alleges that she has received poor customer service and claims that an employee shared her private information with a third party. The complainant also believes that the poor...
service she has received is a result of her inability to pay her payments on time.
In response please note that the complainant’s account is currently due for August, 2015 through December, 2015 in the amount of $[redacted] and the customer does not deny being delinquent on her account. Please note that I have also reviewed the account and reviewed the collection notes on the account and there is no indication that the complainant’s private account information was shared with an unauthorized third party. In addition, Southern Finance has policies in place that prohibit sharing of customers' personal and account information with unauthorized third parties.
I have personally contacted the complainant and we have been able to resolve this issue by making payment arrangements that are fair and suitable to all parties. Therefore, we will consider this complaint file closed.
Thank you for the opportunity to respond.
Sincerely,
[redacted]
Director of Governmental Affairs and ComplianceSouthern Management
Quick Credit was contacted about Mr. T[redacted]'s bank's error in depositing his "live check" loan. Mr. T[redacted] remitted the cash proceeds of the loan to Quick Credit and Quick Credit in turn rescinded the loan at not cost to Mr. T[redacted] including steps to prevent the loan from reporting to...
any credit reporting agency. Furthermore, Quick Credit has appropriately addressed the behavior that Mr. T[redacted] stated occurred with the Quick Credit employee.
We are in receipt of the complaint filed by [redacted] on July 6, 2016 regarding collection practices. Covington 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 payment. However, 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's policies and procedures do not authorize telephone calls to a Customer's place of employment unless specifically authorized or requested by the Customer or to verify employment. We are in the process of reviewing [redacted] account and her complaint that the Manager has...
been contacting her at her place of employment contrary to Covington Credit's policies and procedures and [redacted] request. In the event, Covington Credit determines that our policies and procedures have not been followed, corrective action will be taken. Covington Credit will notify [redacted] directly of our findings and corrective action.
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 3 credit reports. The ONLY thing I have received from this company is were they obtained a copy of my trans union report and score. Again I was informed that I would receive a call back and never did. I 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 online. I 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]
*** ** *** *** *** * *** *** *** *** *** * *** *** ** ***
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,
*** ***
There has been no activity or attempts to contact this customer since October of when this account was charged off as a loss. Since the customer claims that he did not know of the debt and asked for proof of the debt and never received it, we have also deleted the account from his credit
bureau
Thanks,
*** ***
Southern Management
We have reviewed the complaint filed regarding our *** *** office in *** *** *** The complainant alleges that there was a misunderstanding regarding how much money he would receive when he took out his loan with *** ***, the difference being $**.
In response,
please note that I have reviewed the charges and terms on the complainant’s loan and they are correct and the customer did receive the correct amount of cash. However, since it is *** ***’s goal to make sure our customers receive complete satisfaction we will honor the complainant’s request and make a one-time credit of $** to the complainant’s account.
We appreciate the complainant’s business and we believe this response should address the complainant’s concern and meet his desired resolution. Therefore, we will consider this complaint file closed. We appreciate the opportunity to respond
Sincerely,
*** ***
Director of Governmental Affairs and Compliance
Southern Management
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 issue. I have had two loans with this company and there is a written application on file which indicated that they were not to contact me at work They are still providing information On October 27th, I called them to obtain the information in order to make my payment online which I did Later that afternoon they were calling me asking about my payment I still have the voicemail in my phone to prove this There was apparently an issue with their aystwm so it didn't post until the next day. my number one issue is they were closed on the 27th of November and the fact that I had already spoke to the manager on November 21st advising when I would be paying off the account and she neglected to document the account Then on November 28th they called multiple times two different reapresentatoves witjin a matter of less than 'united and began calling references as if I was multiple days behind They didn't even allow minutes to pass to even give me the opportunity to call back before they called my husband Calling my phone at 10:34, my husband at 10:and then my job at 10:is absolutely unacceptable
Regards,
*** ***
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,
*** ***
Covington Credit acknowledges receipt of the complaint filed by Mr*** on March 9, regarding billingCovington Credit will reach out to the customer directly to ensure the address we have on file is up to date; however, please note that our records reflect that we have been mailing
payment receipts to the customer’s address on file, per the customer’s request, with the most recent receipt being mailed out on 3/17/Please don't hesitate to reach out if additional information is needed
Covington Credit has reviewed Ms*** inquiry regarding the refinancing of her loan. In preparing the response, Covington Credit reviewed Ms*** statement, her loan history for both the original loan and refinanced loan, spoken to branch employees, and reviewed Covington's refinance
policies and proceduresCovington Credit believes that the Branch employee who closed Ms*** refinanced loan fully explained the terms and the benefits and followed Covington Credit's refinance policies and procedures. Ms*** loan was days past due at the time of the refinance. The benefit Ms*** received by refinancing the loan was that instead of making the scheduled payment, she was able to make a smaller partial payment and extended her next due date by days from the original scheduled due date. Due to Ms*** statement that she did not understand the benefits or terms of the refinance, Covington Credit will credit Ms*** account with the difference between the acquisition fee on the refinanced loan and acquisition fee for the original loan
Covington Credit acknowledges receipt of the complaint filed with the Revdex.com regarding a credit inquiry, and has investigated the claim very carefullyWe have policies and procedures in place regarding loan servicing and credit inquiries and have submitted a request to the credit
bureau to have the inadvertent inquiry removed for the Ms***In addition, supplementary training has been completed by the Covington Credit branch located at *** *** *** Blvd., ***, TN Please feel free to reach out to me if you have any questions or need additional information
We have reviewed the complaint regarding our Southern Finance
office in ***, SC. In the
complaint, the customer alleges we were unprofessional when making a collection
call
We have investigated the
allegations. We interviewed the employee
mentioned in the allegation
and the Branch Manager We also reviewed the customer’s account and
there is no indication that we acted unprofessionally when attempting to make
contact with this customer
The customer’s desired settlement is no further contact by
our company. We will no longer correspond
with the customer by phone Any further
contact will be by letter. Therefore, we
consider this file closed
Thank you for the opportunity to reply
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.
Regards,
[redacted]
We are in receipt of the complaint filed by Mr. [redacted] on January 23, 2016 regarding fraud. Covington Credit has strict policies and procedures in the instance of a fraud claim and after thorough review of the account and by reaching out directly to Mr. [redacted] to explain the fraud claim...
process; he has agreed to execute the necessary affidavit of fraud provided by [redacted] in order to process his fraud claim. In regards to the claim that a fraudulent application was accepted, that claim is denied. The contract in question is a live check, which does not involve a person coming into the branch to fill out an application. Please don't hesitate to reach out if additional information is needed. Thank you.
We are in receipt of the complaint filed by Mr. [redacted] on 2/1/2017, regarding a live check concern. [redacted] Credit has strict policies and procedures in place regarding loan servicing and after thorough review of the account we confirm that the appropriate refunds were applied when this account was...
paid out, and the account balance is zero. In addition, this account was paid out 11 days after origination, not 8, as noted in the complaint. In regards to the claim the customer was not aware of the contract terms, this claim is denied, as the terms and conditions of agreement are attached to the offer. In addition, [redacted] Credit verified the customer's information on 1/24/17 and 2/1/17, wherein the customer acknowledged the terms and conditions of the live check agreement. Please don't hesitate to reach out if additional information is needed.
Covington Credit acknowledges receipt of the complaint filed by Mr. [redacted] with the Revdex.com regarding a payment, and has investigated the claim very carefully. After careful review we determined that Mr. [redacted] attempted to pay 87.00 online, however at the time he initiated this...
transaction the amount due was $102.00 due to a late charge Mr. [redacted] accrued on 10/14/16. Covington Credit reached out to Mr. [redacted] in an effort to assist him and he elected to come into the branch and pay his payment. Please feel free to reach out to me if you have any questions or need additional information.
Good Afternoon, Please be advised the payoff amount the customer was good for one day. However, Covington Credit has resolved this issue by refunding the $32.00 due to the inadvertent error of not advising the customer that the payoff was good through that day. Thank...
you, Lindsey K[redacted]
Covington Credit is in receipt of the complaint filed by Ms. [redacted] regarding collection activities. Please 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.
We have reviewed the complaint regarding our Southern Finance office in [redacted], SC. In the complaint the customer alleges that she has received poor customer service and claims that an employee shared her private information with a third party. The complainant also believes that the poor...
service she has received is a result of her inability to pay her payments on time.
In response please note that the complainant’s account is currently due for August, 2015 through December, 2015 in the amount of $[redacted] and the customer does not deny being delinquent on her account. Please note that I have also reviewed the account and reviewed the collection notes on the account and there is no indication that the complainant’s private account information was shared with an unauthorized third party. In addition, Southern Finance has policies in place that prohibit sharing of customers' personal and account information with unauthorized third parties.
I have personally contacted the complainant and we have been able to resolve this issue by making payment arrangements that are fair and suitable to all parties. Therefore, we will consider this complaint file closed.
Thank you for the opportunity to respond.
Sincerely,
[redacted]
Director of Governmental Affairs and ComplianceSouthern Management
Quick Credit was contacted about Mr. T[redacted]'s bank's error in depositing his "live check" loan. Mr. T[redacted] remitted the cash proceeds of the loan to Quick Credit and Quick Credit in turn rescinded the loan at not cost to Mr. T[redacted] including steps to prevent the loan from reporting to...
any credit reporting agency. Furthermore, Quick Credit has appropriately addressed the behavior that Mr. T[redacted] stated occurred with the Quick Credit employee.
We are in receipt of the complaint filed by [redacted] on July 6, 2016 regarding collection practices. Covington 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 payment. However, 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's policies and procedures do not authorize telephone calls to a Customer's place of employment unless specifically authorized or requested by the Customer or to verify employment. We are in the process of reviewing [redacted] account and her complaint that the Manager has...
been contacting her at her place of employment contrary to Covington Credit's policies and procedures and [redacted] request. In the event, Covington Credit determines that our policies and procedures have not been followed, corrective action will be taken. Covington Credit will notify [redacted] directly of our findings and corrective action.
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 3 credit reports. The ONLY thing I have received from this company is were they obtained a copy of my trans union report and score. Again I was informed that I would receive a call back and never did. I 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 online. I 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]