December 11, 2017 Ms. Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church Street Greenville, SC 29601 RE: Complaint filed by [redacted] dated November 10, 2017 Revdex.com Case Number: [redacted] Dear Ms. R[redacted]:...
Covington Credit is in receipt of the complaint regarding collection calls filed by [redacted] on November 10, 2017 and received by Covington on December 5, 2017. 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 employment. Covington 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, 2017. 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 Southern Finance office in Newberry, SC. The complainant alleges that the office is calling her repeatedly and has visited her residence and left notes for her regarding her debt.
In response, please note that the complainant does not...
deny being delinquent on this account. When an account becomes delinquent, Southern Finance will work diligently with our customers to restore their accounts 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 collections procedures in place that are designed to make contact with the customer so that we can discuss their account.
The complainant’s desired response is that Southern Finance gives the complainant more time to pay the loan up to date. Please note that since this complaint has been filed, the customer has contacted the office and informed us as to when she could pay the loan and we have agreed to hold the account until that date.
This response should address the complainant’s concerns and meet her desired resolution. Therefore, we will consider this complaint file closed. We appreciate the opportunity to respond.
[redacted]
Director of Governmental Affairs and Compliance
Southern Management
I just wanted to note that it does not matter how much was owed. I tried to pay 87 and I tried to pay the 102. 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 payment. THe 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 things. However my account is now closed in good standing. I 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]
Covington Credit acknowledges receipt of the complaint filed by Ms. [redacted] on March10, 2017 regarding a fraud claim. Please be advised Covington Credit has strict policies and procedures in regards to a fraud claim and will reach directly out to Ms. [redacted] to advise what is needed to process the...
fraud claim. Please let me know if any additional information is needed.
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 if I don't have to take time to go to their office and fill out paperwork to deal with someone who is clearly not me. The social security number used is not mine and no check or other paperwork has been sent to my address. None of this is showing up on my credit report - it's mistaken identity and not fraud. They found a matching name and started to work.
Regards,
[redacted]
June 29, 2017 RE: Complaint to Revdex.com – Collections, Ms. [redacted] Revdex.com Case Number: [redacted] Covington Credit acknowledges receipt of the complaint filed by Ms. [redacted] on June 21, 2017 regarding collections activity. Please be advised Covington Credit has strict policies...
and procedures in regards to collections practices and upon review of the account have determined that the collections activity was appropriate. In regards to the claim that personal information was disclosed, Covington Credit cannot corroborate this claim as the records conflict with the claim. However, we have coded Ms. [redacted]’s account to reflect her contact preferences. Please let me know if any additional information is needed. Sincerely, Lindsey S[redacted] Complainant Analyst CC: Covington Credit – [redacted]
Covington Credit acknowledges receipt of the complaint filed by Ms. [redacted] regarding a credit dispute. Covington 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 removed. Please be advised our policy is to disclose any time when a credit inquiry is required, therefore the employee has been counseled and provided additional training. Please don't hesitate to reach out if additional information is needed.
We have received the complaint regarding our Southern Finance office in Orangeburg, SC. The complainant claims that Southern Finance is making calls to her house, her cell phone, and to her place of employment. She also alleges that we have visited her at her residence and discussed her...
personal business with third parties and she claims that we told her that we would call the police regarding her account.
In response, please note that the complainant does not deny being delinquent on her account. Her account is currently due for July, August, September, October, and November in the amount of $[redacted] When an account such as the complainant’s becomes seriously delinquent, Southern Finance will work diligently to help our customers restore their accounts to good standing. Please note that we also understand that customers 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.
In addition, please note that in reviewing the account and the collection notes and in discussing this account with the branch manager, there is no indication that the customer requested that we stop calling her at her residence, on her cell phone, or at her place of employment. Furthermore, it is Southern Finance’s policy to stop contacting a customer at any number when requested to do so by the customer. There is also no indication that we shared any of the complainant’s information with a third party. Southern Finance’s policy prohibits sharing account information with a third party. However, Southern Finance is allowed by law to attempt to obtain a customer’s location information when talking to a third party. Finally, there is also no indication that we told the customer that we were going to call the police in regards to her account. Southern Finance has policies in place that prohibit telling a customer that we are going to take action that we do not intend to take.
This response should address all of the complainant’s concerns. The complainant did not submit a desired resolution. However, Southern Finance will no longer attempt to contact the complainant directly and will therefore, consider this complaint file closed.
Thank you for the opportunity to respond.
[redacted]
Director of Governmental Affairs and ComplianceSouthern Management
I went to my [redacted] account this morning to pay bills and to my surprise, there is a deposit to my account for 300.00. It took 3 months, but I finally got my money back. I want to thank you so much for all your help. I couldn't have done this without the help from you and Revdex.com. I know I probably...
wouldn't have gotten my money if I didn't write to Revdex.com. So thank you again.
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 carefully. After 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. [redacted]’s account to reflect that we will not call him or his place of employment going forward, per his request. Please feel free to reach out to me if you have any questions or need additional information.
RE: Complaint to Revdex.com – Collections; [redacted], Shantell Revdex.com Case Number: [redacted]
Covington Credit acknowledges receipt of the complaint filed by Ms. [redacted] on September 27, 2017. In responding to Ms. [redacted]’s complaint, we reviewed her account history, and loan documents. Our records indicate...
Ms. [redacted] originated a loan on May 2, 2014, account number[redacted], and was a first payment default. Please note, the loan was charged off to loss on October 1, 2014. Regarding Ms. [redacted]’s claim regarding inaccurate credit reporting; after thorough review of the records, there is no evidence of inaccurate reporting. Covington Credit reports information pursuant to the Fair Credit Reporting Act and applicable regulations and laws. In addition, Covington Credit has strict policies and procedures related to credit reporting and based on our review, it appears that the Branch adhered to those policies and procedures and the reporting is accurate. With respect to the claim that Ms. [redacted] has spoken to five different employees regarding this complaint, Covington Credit disputes this claim as we have no record of speaking to Ms. [redacted] after 2014. If you have any questions, you may reach me at (864) [redacted]. Sincerely, Complainant Analyst CC: Covington Credit – [redacted]
Covington Credit acknowledges receipt of the complaint filed by Ms. [redacted] on August 7, 2017 regarding collections practices. Please note the information on Ms. [redacted]’s voicemail regarding how to reach her was placed there by Ms. [redacted] herself. Covington Credit has strict policies and...
procedures related to collections practices and upon review of Ms. [redacted]‘s account we confirmed the collections activity was conducted appropriately. However, we have coded Ms. [redacted]’s account to reflect the communication preferences she outlined in her complaint.
September 27, 2107 Revdex.com Response RE: Complaint to Revdex.com – Collections; [redacted] Revdex.com Case Number: [redacted] Covington Credit acknowledges receipt of the complaint filed by Mr. [redacted] on September 18, 2017. In responding to Mr. [redacted]’s complaint, we have reviewed his account history,...
loan documents, Covington Credit's policies and procedures, and discussed Mr. [redacted]’s concerns with the Branch personnel. Based on this review, Covington Credit disagrees with and disputes Mr. [redacted]’s claims that Covington Credit made excessive or harassing collections calls. Branch policies and procedures limit calls to the Customer to twice per day at the telephone numbers provided to us by the Customer where they may be contacted. Covington Credit attempted to contact Mr. [redacted] at the telephone numbers he provided pursuant to our policies. Please note, Covington Credit has not received any request prior to this complaint from Mr. [redacted] as to his communication preferences, but have coded his account to ensure he will not be contacted going forward, pursuant to the request in his complaint. Covington Credit has strict policies and procedures related to servicing and collection practices and based on our review of Mr. [redacted]’s account, it appears that the Branch adhered to those policies and procedures. If you have any questions, you may reach me at (864) [redacted]. Sincerely, Lindsey S[redacted] Complainant Analyst CC: Covington Credit – [redacted]
[redacted],On Aug.2,2017 Amber H[redacted] from Covington Credit come to my house at 5:03 pm with her employee Brittany. On Aug.3,2017 Amber H[redacted] came to my house at 5:o3 pm. This company is causing my mother emotional distress as they are coming to my house when I am at work and they are harassing my...
Covington Credit reiterates its dispute of Ms. [redacted]'s complaint including her rebuttal response. Covington Credit advised Ms. [redacted] in January 2017 that her payment of $619.60 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 $93.41 calculated as of January 2017, the date her prior payment of $619.60 was posted. Ms. [redacted] failed to remit the payoff balance and the account was charged-off in January 2018. As a resolution to this dispute between the parties, Covington Credit is willing to accept the January 2017 payoff of $93.41 in full satisfaction of the debt and revise the credit reporting of this account to reflect it paid off as of January 31, 2017. 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.
The social security number requested is [redacted]. Maiden name is [redacted].
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]
[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 [redacted], and find that this resolution is satisfactory to me.
Regards,
A[redacted]
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 2015 in the amount of $294.00. 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
Covington Credit is unable based on the limited information provided in the Customer's Statement to properly review and adequately respond to the matter outlined. Covington has identified an employee with the same first name identified in the Statement in the same geographic region. ...
After a review of the telephone logs for that branch, Covington Credit is unable to match or identify calls made at the specific times noted in the Statement or within 1-2 minutes before or after. Understandably, [redacted] did not provide the telephone number allegedly called by Covington Credit so we are unable to compare it with the numbers on the telephone log. The employees at the Branch in the area purportedly had no knowledge of the events alleged in the Statement. Covington Credit's corporate office attempted to contact [redacted] on April 5, 2016 in order to gather additional information regarding the matter that could assist us in the review. Covington Credit left [redacted] a message; however, [redacted] has not returned the call at this time. Without further information, Covington Credit has no recourse but to close the file until such time as additional information is available.If [redacted] will contact [redacted] at Covington Credit's home office, [redacted], we will be happy to further review this matter and take action as necessary.
[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 carefully. After careful review we discovered that Mr. [redacted] reached a payment agreement, as he requested, on January...
25, 2017 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.
December 11, 2017 Ms. Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church Street Greenville, SC 29601 RE: Complaint filed by [redacted] dated November 10, 2017 Revdex.com Case Number: [redacted] Dear Ms. R[redacted]:...
Covington Credit is in receipt of the complaint regarding collection calls filed by [redacted] on November 10, 2017 and received by Covington on December 5, 2017. 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 employment. Covington 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, 2017. 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 Southern Finance office in Newberry, SC. The complainant alleges that the office is calling her repeatedly and has visited her residence and left notes for her regarding her debt.
In response, please note that the complainant does not...
deny being delinquent on this account. When an account becomes delinquent, Southern Finance will work diligently with our customers to restore their accounts 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 collections procedures in place that are designed to make contact with the customer so that we can discuss their account.
The complainant’s desired response is that Southern Finance gives the complainant more time to pay the loan up to date. Please note that since this complaint has been filed, the customer has contacted the office and informed us as to when she could pay the loan and we have agreed to hold the account until that date.
This response should address the complainant’s concerns and meet her desired resolution. Therefore, we will consider this complaint file closed. We appreciate the opportunity to respond.
[redacted]
Director of Governmental Affairs and Compliance
Southern Management
I just wanted to note that it does not matter how much was owed. I tried to pay 87 and I tried to pay the 102. 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 payment. THe 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 things. However my account is now closed in good standing. I 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]
Covington Credit acknowledges receipt of the complaint filed by Ms. [redacted] on March10, 2017 regarding a fraud claim. Please be advised Covington Credit has strict policies and procedures in regards to a fraud claim and will reach directly out to Ms. [redacted] to advise what is needed to process the...
fraud claim. Please let me know if any additional information is needed.
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 if I don't have to take time to go to their office and fill out paperwork to deal with someone who is clearly not me. The social security number used is not mine and no check or other paperwork has been sent to my address. None of this is showing up on my credit report - it's mistaken identity and not fraud. They found a matching name and started to work.
Regards,
[redacted]
June 29, 2017 RE: Complaint to Revdex.com – Collections, Ms. [redacted] Revdex.com Case Number: [redacted] Covington Credit acknowledges receipt of the complaint filed by Ms. [redacted] on June 21, 2017 regarding collections activity. Please be advised Covington Credit has strict policies...
and procedures in regards to collections practices and upon review of the account have determined that the collections activity was appropriate. In regards to the claim that personal information was disclosed, Covington Credit cannot corroborate this claim as the records conflict with the claim. However, we have coded Ms. [redacted]’s account to reflect her contact preferences. Please let me know if any additional information is needed. Sincerely, Lindsey S[redacted] Complainant Analyst CC: Covington Credit – [redacted]
Covington Credit acknowledges receipt of the complaint filed by Ms. [redacted] regarding a credit dispute. Covington 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 removed. Please be advised our policy is to disclose any time when a credit inquiry is required, therefore the employee has been counseled and provided additional training. Please don't hesitate to reach out if additional information is needed.
We have received the complaint regarding our Southern Finance office in Orangeburg, SC. The complainant claims that Southern Finance is making calls to her house, her cell phone, and to her place of employment. She also alleges that we have visited her at her residence and discussed her...
personal business with third parties and she claims that we told her that we would call the police regarding her account.
In response, please note that the complainant does not deny being delinquent on her account. Her account is currently due for July, August, September, October, and November in the amount of $[redacted] When an account such as the complainant’s becomes seriously delinquent, Southern Finance will work diligently to help our customers restore their accounts to good standing. Please note that we also understand that customers 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.
In addition, please note that in reviewing the account and the collection notes and in discussing this account with the branch manager, there is no indication that the customer requested that we stop calling her at her residence, on her cell phone, or at her place of employment. Furthermore, it is Southern Finance’s policy to stop contacting a customer at any number when requested to do so by the customer. There is also no indication that we shared any of the complainant’s information with a third party. Southern Finance’s policy prohibits sharing account information with a third party. However, Southern Finance is allowed by law to attempt to obtain a customer’s location information when talking to a third party. Finally, there is also no indication that we told the customer that we were going to call the police in regards to her account. Southern Finance has policies in place that prohibit telling a customer that we are going to take action that we do not intend to take.
This response should address all of the complainant’s concerns. The complainant did not submit a desired resolution. However, Southern Finance will no longer attempt to contact the complainant directly and will therefore, consider this complaint file closed.
Thank you for the opportunity to respond.
[redacted]
Director of Governmental Affairs and ComplianceSouthern Management
I went to my [redacted] account this morning to pay bills and to my surprise, there is a deposit to my account for 300.00. It took 3 months, but I finally got my money back. I want to thank you so much for all your help. I couldn't have done this without the help from you and Revdex.com. I know I probably...
wouldn't have gotten my money if I didn't write to Revdex.com. So thank you again.
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 carefully. After 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. [redacted]’s account to reflect that we will not call him or his place of employment going forward, per his request. Please feel free to reach out to me if you have any questions or need additional information.
RE: Complaint to Revdex.com – Collections; [redacted], Shantell Revdex.com Case Number: [redacted]
Covington Credit acknowledges receipt of the complaint filed by Ms. [redacted] on September 27, 2017. In responding to Ms. [redacted]’s complaint, we reviewed her account history, and loan documents. Our records indicate...
Ms. [redacted] originated a loan on May 2, 2014, account number[redacted], and was a first payment default. Please note, the loan was charged off to loss on October 1, 2014. Regarding Ms. [redacted]’s claim regarding inaccurate credit reporting; after thorough review of the records, there is no evidence of inaccurate reporting. Covington Credit reports information pursuant to the Fair Credit Reporting Act and applicable regulations and laws. In addition, Covington Credit has strict policies and procedures related to credit reporting and based on our review, it appears that the Branch adhered to those policies and procedures and the reporting is accurate. With respect to the claim that Ms. [redacted] has spoken to five different employees regarding this complaint, Covington Credit disputes this claim as we have no record of speaking to Ms. [redacted] after 2014. If you have any questions, you may reach me at (864) [redacted]. Sincerely, Complainant Analyst CC: Covington Credit – [redacted]
Covington Credit acknowledges receipt of the complaint filed by Ms. [redacted] on August 7, 2017 regarding collections practices. Please note the information on Ms. [redacted]’s voicemail regarding how to reach her was placed there by Ms. [redacted] herself. Covington Credit has strict policies and...
procedures related to collections practices and upon review of Ms. [redacted]‘s account we confirmed the collections activity was conducted appropriately. However, we have coded Ms. [redacted]’s account to reflect the communication preferences she outlined in her complaint.
September 27, 2107 Revdex.com Response RE: Complaint to Revdex.com – Collections; [redacted] Revdex.com Case Number: [redacted] Covington Credit acknowledges receipt of the complaint filed by Mr. [redacted] on September 18, 2017. In responding to Mr. [redacted]’s complaint, we have reviewed his account history,...
loan documents, Covington Credit's policies and procedures, and discussed Mr. [redacted]’s concerns with the Branch personnel. Based on this review, Covington Credit disagrees with and disputes Mr. [redacted]’s claims that Covington Credit made excessive or harassing collections calls. Branch policies and procedures limit calls to the Customer to twice per day at the telephone numbers provided to us by the Customer where they may be contacted. Covington Credit attempted to contact Mr. [redacted] at the telephone numbers he provided pursuant to our policies. Please note, Covington Credit has not received any request prior to this complaint from Mr. [redacted] as to his communication preferences, but have coded his account to ensure he will not be contacted going forward, pursuant to the request in his complaint. Covington Credit has strict policies and procedures related to servicing and collection practices and based on our review of Mr. [redacted]’s account, it appears that the Branch adhered to those policies and procedures. If you have any questions, you may reach me at (864) [redacted]. Sincerely, Lindsey S[redacted] Complainant Analyst CC: Covington Credit – [redacted]
[redacted],On Aug.2,2017 Amber H[redacted] from Covington Credit come to my house at 5:03 pm with her employee Brittany. On Aug.3,2017 Amber H[redacted] came to my house at 5:o3 pm. This company is causing my mother emotional distress as they are coming to my house when I am at work and they are harassing my...
mother.Thank You,[redacted]
Covington Credit reiterates its dispute of Ms. [redacted]'s complaint including her rebuttal response. Covington Credit advised Ms. [redacted] in January 2017 that her payment of $619.60 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 $93.41 calculated as of January 2017, the date her prior payment of $619.60 was posted. Ms. [redacted] failed to remit the payoff balance and the account was charged-off in January 2018. As a resolution to this dispute between the parties, Covington Credit is willing to accept the January 2017 payoff of $93.41 in full satisfaction of the debt and revise the credit reporting of this account to reflect it paid off as of January 31, 2017. 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.
The social security number requested is [redacted]. Maiden name is [redacted].
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]
[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 [redacted], and find that this resolution is satisfactory to me.
Regards,
A[redacted]
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 2015 in the amount of $294.00. 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
Covington Credit is unable based on the limited information provided in the Customer's Statement to properly review and adequately respond to the matter outlined. Covington has identified an employee with the same first name identified in the Statement in the same geographic region. ...
After a review of the telephone logs for that branch, Covington Credit is unable to match or identify calls made at the specific times noted in the Statement or within 1-2 minutes before or after. Understandably, [redacted] did not provide the telephone number allegedly called by Covington Credit so we are unable to compare it with the numbers on the telephone log. The employees at the Branch in the area purportedly had no knowledge of the events alleged in the Statement. Covington Credit's corporate office attempted to contact [redacted] on April 5, 2016 in order to gather additional information regarding the matter that could assist us in the review. Covington Credit left [redacted] a message; however, [redacted] has not returned the call at this time. Without further information, Covington Credit has no recourse but to close the file until such time as additional information is available.If [redacted] will contact [redacted] at Covington Credit's home office, [redacted], we will be happy to further review this matter and take action as necessary.
[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 carefully. After careful review we discovered that Mr. [redacted] reached a payment agreement, as he requested, on January...
25, 2017 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.