Covington Credit acknowledges receipt of the complaint filed by Mr. [redacted] on July18, 2017 regarding collections. Covington Credit has strict policies and procedures in place regarding collections activity and have investigated the claims very carefully. Please 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 forward. Please don't hesitate to reach out if additional information is needed.Sincerely,Complainant AnalystCC: Covington Credit – [redacted]
August 10, 2017 RE: Ms. [redacted] Revdex.com Complaint ID: [redacted] Southern Finance acknowledges receipt of the complaint filed by Ms. [redacted] with the Revdex.com, regarding servicing practices and contact preferences; and we have investigated the claims very...
carefully. Upon review, we confirm that Ms. [redacted] is a reference that was provided by a customer. Please note, the customer account has been coded to reflect Ms. [redacted]’s contact preferences and the employee who called her has been coached in customer rapport. Please feel free to reach out to me if you have any questions or need additional information. Sincerely,Complainant AnalystSouthern Finance of Georgia Inc., D/B/A Southern Finance Cc: Southern Finance – [redacted]
We are in receipt of the complaint filed by Ms. [redacted]) on regarding a fraud claim. Covington Credit has strict policies and procedures in the instance of a fraud claim and after thorough review of the account we will need the claimant to execute the affidavit of fraud for [redacted] in order to process the fraud claim. The department who assists with these claims will reach out directly to Ms. [redacted] to process her claim. Please don't hesitate to reach out if additional information is needed.
Southern Finance acknowledges receipt of the complaint filed by Ms. [redacted] with the Revdex.com, regarding origination and servicing, and we have investigated the claim very carefully. Please note that this loan was originated via a live check and all live checks that are mailed contain...
the loan agreement, which details the terms and conditions pursuant to the agreement. I have attached this documentation, which was acknowledged and signed by the customer. Regarding the claim that Ms. [redacted] has requested a call from the regional manager and has not received a call because he is too busy; the regional manager attempted to reach Ms. [redacted] on 7/25/17 and left a message with his name and the branch number for her to call back. In addition, the regional manager made another attempt to reach her on the afternoon of 7/25/17 and left another message with his name and phone number but Ms. [redacted] did not call back. Ms. [redacted] has requested a change to her credit report as a resolution to this complaint, however we are not permitted to change accurate reporting. Please be advised furnishers of credit information are not permitted to change accurate credit reporting per the Fair Credit Reporting Act. Lastly, with respect to the requested payoff, please note the requested payoff was mailed to the Ms. [redacted] on 7/21/17. Please feel free to reach out to me if you have any questions or need additional information. Sincerely, Complainant Analyst Cc: Southern Finance – SC11
Good Morning, Please be advised I am not able to process this complaint without identifying information such as a social security number, account number, or full name. If Ms. [redacted] would like to provide the needed information I would be happy to look into this matter. Thank...
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, 2015. 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, 2013 and the account was charged off on September 26, 2013, at which time the account was 6 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 $0 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
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 carefully. After careful review we confirm that Ms. [redacted] reached a payment agreement with the...
branch, as she requested, on February 13, 2017 and the account was been paid out on 2/13/17. In addition, the account has been coded to reflect Ms. [redacted]s contact preferences of not calling her husband and place of employment. Please 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] on July 25, 2017 regarding collections activity. Please be advised Covington Credit has strict policies and procedures related to collections practices and upon review of the account, have determined that the collections...
activity was appropriate. With regard to the due date, our records indicate the customer has been in communication with the branch and has set up payment arrangements for the first of the month. However, Covington Credit has coded Ms. [redacted]’s account to reflect the contact preferences identified in her complaint. Please let me know if any additional information is needed. Sincerely, Complainant AnalystCC: Covington Credit – [redacted]
Covington Credit acknowledges receipt of the complaint filed by Mr. [redacted] on August 3, 2017 regarding collections activity. Please note Covington Credit has strict policies and procedures for collections practices and have examined the complaint carefully. Upon review of Mr. [redacted]’s account we have no record of a courtesy visit on August 1, 2017, however we received a request was not to courtesy visit the residence on August 3, 2017 and we have complied and documented the account. In addition, Covington Credit has a policy regarding collections activity and adheres to applicable laws. However, Mr. [redacted]’s account has been coded so that he will have no further contact by the business, as requested.
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]
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 carefully. After careful review we confirm that Ms. [redacted] is currently due from 6/18/17 and the...
collections activity was appropriate. In addition, the account has been coded to reflect Ms. [redacted] contact preferences. Please feel free to reach out to me if you have any questions or need additional information.
Good Morning, Please note the response was due for this complaint on Easter Sunday, a national holiday. Covington Credit acknowledges receipt of the complaint filed by Mr. [redacted] regarding collection contact preferences. Please 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 phone. Please feel free to reach out to me if you have any questions. Thank you, Lindsey S[redacted]Complainant Analyst
We are in receipt of the complaint filed by Mr. [redacted] on August 18, 2017 regarding fraud. Covington Credit has strict policies and procedures in the instance of a fraud claim and we mailed the necessary affidavit of fraud to Mr. [redacted] that will need to be executed in order to...
process his fraud claim. This form was mailed on 8/21/17 and we have not yet received the executed form back from Mr. [redacted] as of today. Please don't hesitate to reach out if additional information is needed.Thank you.
September 13, 2017 Revdex.com Response RE: Complaint to Revdex.com – Fraud Claim; [redacted] Revdex.com Case Number: [redacted] We are in receipt of the update to the original complaint filed by Mr. [redacted] on August 28, 2017 regarding fraud. Covington Credit has strict policies and procedures in the instance of a fraud claim and after speaking to Mr. [redacted] via telephone today (September 6, 2017) he indicated he has not received the affidavit of fraud paperwork, therefore we have resent the affidavit of fraud to Mr. [redacted] and advised him that this form will need to be executed in order to process his fraud claim. This form was mailed on September 6, 2017and the original was mailed on August 21, 2017 to the address listed in Mr. [redacted]’s complaint, [redacted] Street, [redacted], TX 76123, and during the phone call with Mr. [redacted] on September 6, 2017, he confirmed this address is correct. Please don't hesitate to reach out if additional information is needed. Sincerely, Lindsey S[redacted] Complainant Analyst CC: Covington Credit
Miss [redacted] did settle her account for less than the full balance. A letter was sent to her on March 20th, 2018 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 $120.00. 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 consumer. Please let me know if you have any questions or concerns. Warm Regards, Tara T[redacted]General Counsel
Covington Credit acknowledges receipt of the complaint filed by Mr. [redacted] on July18, 2017 regarding collections. Covington Credit has strict policies and procedures in place regarding collections activity and have investigated the claims very carefully. Please 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 forward. Please don't hesitate to reach out if additional information is needed.Sincerely,Complainant AnalystCC: Covington Credit – [redacted]
August 10, 2017 RE: Ms. [redacted] Revdex.com Complaint ID: [redacted] Southern Finance acknowledges receipt of the complaint filed by Ms. [redacted] with the Revdex.com, regarding servicing practices and contact preferences; and we have investigated the claims very...
carefully. Upon review, we confirm that Ms. [redacted] is a reference that was provided by a customer. Please note, the customer account has been coded to reflect Ms. [redacted]’s contact preferences and the employee who called her has been coached in customer rapport. Please feel free to reach out to me if you have any questions or need additional information. Sincerely,Complainant AnalystSouthern Finance of Georgia Inc., D/B/A Southern Finance Cc: Southern Finance – [redacted]
We are in receipt of the complaint filed by Ms. [redacted]) on regarding a fraud claim. Covington Credit has strict policies and procedures in the instance of a fraud claim and after thorough review of the account we will need the claimant to execute the affidavit of fraud for [redacted] in order to process the fraud claim. The department who assists with these claims will reach out directly to Ms. [redacted] to process her claim. Please don't hesitate to reach out if additional information is needed.
Southern Finance acknowledges receipt of the complaint filed by Ms. [redacted] with the Revdex.com, regarding origination and servicing, and we have investigated the claim very carefully. Please note that this loan was originated via a live check and all live checks that are mailed contain...
the loan agreement, which details the terms and conditions pursuant to the agreement. I have attached this documentation, which was acknowledged and signed by the customer. Regarding the claim that Ms. [redacted] has requested a call from the regional manager and has not received a call because he is too busy; the regional manager attempted to reach Ms. [redacted] on 7/25/17 and left a message with his name and the branch number for her to call back. In addition, the regional manager made another attempt to reach her on the afternoon of 7/25/17 and left another message with his name and phone number but Ms. [redacted] did not call back. Ms. [redacted] has requested a change to her credit report as a resolution to this complaint, however we are not permitted to change accurate reporting. Please be advised furnishers of credit information are not permitted to change accurate credit reporting per the Fair Credit Reporting Act. Lastly, with respect to the requested payoff, please note the requested payoff was mailed to the Ms. [redacted] on 7/21/17. Please feel free to reach out to me if you have any questions or need additional information. Sincerely, Complainant Analyst Cc: Southern Finance – SC11
Good Morning, Please be advised I am not able to process this complaint without identifying information such as a social security number, account number, or full name. If Ms. [redacted] would like to provide the needed information I would be happy to look into this matter. Thank...
you, Lindsey S[redacted]
Thank you for your assistance. AND the complaint is resolved no more contacts has been made thank you for your help from a very frustrating situation
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, 2015. 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, 2013 and the account was charged off on September 26, 2013, at which time the account was 6 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 $0 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
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 carefully. After careful review we confirm that Ms. [redacted] reached a payment agreement with the...
branch, as she requested, on February 13, 2017 and the account was been paid out on 2/13/17. In addition, the account has been coded to reflect Ms. [redacted]s contact preferences of not calling her husband and place of employment. Please 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] on July 25, 2017 regarding collections activity. Please be advised Covington Credit has strict policies and procedures related to collections practices and upon review of the account, have determined that the collections...
activity was appropriate. With regard to the due date, our records indicate the customer has been in communication with the branch and has set up payment arrangements for the first of the month. However, Covington Credit has coded Ms. [redacted]’s account to reflect the contact preferences identified in her complaint. Please let me know if any additional information is needed. Sincerely, Complainant AnalystCC: Covington Credit – [redacted]
Covington Credit acknowledges receipt of the complaint filed by Mr. [redacted] on August 3, 2017 regarding collections activity. Please note Covington Credit has strict policies and procedures for collections practices and have examined the complaint carefully. Upon review of Mr. [redacted]’s account we have no record of a courtesy visit on August 1, 2017, however we received a request was not to courtesy visit the residence on August 3, 2017 and we have complied and documented the account. In addition, Covington Credit has a policy regarding collections activity and adheres to applicable laws. However, Mr. [redacted]’s account has been coded so that he will have no further contact by the business, as requested.
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]
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 carefully. After careful review we confirm that Ms. [redacted] is currently due from 6/18/17 and the...
collections activity was appropriate. In addition, the account has been coded to reflect Ms. [redacted] contact preferences. Please feel free to reach out to me if you have any questions or need additional information.
Good Morning, Please note the response was due for this complaint on Easter Sunday, a national holiday. Covington Credit acknowledges receipt of the complaint filed by Mr. [redacted] regarding collection contact preferences. Please 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 phone. Please feel free to reach out to me if you have any questions. Thank you, Lindsey S[redacted]Complainant Analyst
We are in receipt of the complaint filed by Mr. [redacted] on August 18, 2017 regarding fraud. Covington Credit has strict policies and procedures in the instance of a fraud claim and we mailed the necessary affidavit of fraud to Mr. [redacted] that will need to be executed in order to...
process his fraud claim. This form was mailed on 8/21/17 and we have not yet received the executed form back from Mr. [redacted] as of today. Please don't hesitate to reach out if additional information is needed.Thank you.
September 13, 2017 Revdex.com Response RE: Complaint to Revdex.com – Fraud Claim; [redacted] Revdex.com Case Number: [redacted] We are in receipt of the update to the original complaint filed by Mr. [redacted] on August 28, 2017 regarding fraud. Covington Credit has strict policies and procedures in the instance of a fraud claim and after speaking to Mr. [redacted] via telephone today (September 6, 2017) he indicated he has not received the affidavit of fraud paperwork, therefore we have resent the affidavit of fraud to Mr. [redacted] and advised him that this form will need to be executed in order to process his fraud claim. This form was mailed on September 6, 2017and the original was mailed on August 21, 2017 to the address listed in Mr. [redacted]’s complaint, [redacted] Street, [redacted], TX 76123, and during the phone call with Mr. [redacted] on September 6, 2017, he confirmed this address is correct. Please don't hesitate to reach out if additional information is needed. Sincerely, Lindsey S[redacted] Complainant Analyst CC: Covington Credit
Miss [redacted] did settle her account for less than the full balance. A letter was sent to her on March 20th, 2018 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 $120.00. 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 consumer. Please let me know if you have any questions or concerns. Warm Regards, Tara T[redacted]General Counsel