E-Z Own Plus

Initial Business Response / [redacted] (1000, 6, 2015/12/24) */ [redacted] became a customer on February 20, when she financed a sectionalThe original amount financed was $As you can see from the attached ledger, she made payments in April and May of [redacted] then went for an extended period of time before making another payment on the accountShe then came in during January and made a payment of $and in February with a payment of $Which left a balance of $as the ledger shows toward the bottom In the complaint, [redacted] talks about the mistake I, Ryan, made in reporting her past history to the Red Wing storeThis mistake did happen and was correctedIt happened because after [redacted] financed her sectional, we updated to new softwareSince there was such a large gap between her payments, they had to be entered in a different mannerThe employee at the time accounted for the payments correctly on the physical ledger, but entered them incorrectly in the new softwareSo after I pulled the physical ledger, after talking to ***, I found the mistake and gave her the correct amount still owed, and I updated the Red Wing store with the correct information on ***'s history with the Owatonna storeAt this point, it was again at the Red Wing's store staff's discretion whether to offer financingI apologized to [redacted] about the mistake and as stated, updated her and the Red Wing store with the correct information In the complaint, [redacted] also states she did not receive a list of payments she madeI sent this information to her on December 4th in the form of her physical ledger from her account as you can see in the email correspondence copied at the end of this complaint response I have apologized to [redacted] about the mistake between the physical ledger and the computerI explained to her the payments were entered in the computer wrong, but were properly recorded on the physical ledgerI also updated the Red Wing store immediatelyIn addition, I told [redacted] if she had any documentation showing any discrepancies to the current information, I will be more then happy to make any corrections needed I have copied our complete email correspondence supporting the information in my response to the complaint to the end of this response If there are any other questions or any other information needed, please contact me at [redacted] or [redacted] @gmail.com Sincerely, Ryan [redacted] E-Z Own Plus, Inc [redacted] __________________________________________________ On Friday, December 4, 11:AM, E-Z Own Plus wrote: See Attachment (Ledger attached to this response was attached to this email) ----------------------------------------------- On Mon, Dec 7, at 9:AM, [redacted] wrote: This ledger Card is not what I asked for not to mention parts have been whited out, I asked for a complete list of all the payments I made, dates and amounts so I can do the math myselfI paid everything in fullMy final payment was smaller then the rest of the payments as it was the final paymentYou told the Red Wing store I owed $and I was denied a laptop do to your errorWhen I contacted you, you argued with me telling me the sameThen you found your mistake and then claimed I still owe $when in fact I do not owe anything as I paid it in fullI drove to Owatonna each month to make my payments to ensure you got the paymentsSo far, as I can see, your book keeping is terribleWe were very good customers and spent alot of money thereFor years I have refered people to your company I will no longer continue to do so in fact I will be happy to refer them elsewhere and explain whyYou are unable to prove I owe $and that is because I DON'TI will ask this one last time I would like a copy of all my payments with the dates and amountsI was denied a laptop from the EZ Own store in Red Wing because of your error ------------------------------------------------- From: E-Z Own Plus Sent: Monday, December 07, 5:PM To: [redacted] Subject: Re: Account Ledger Card The ledger care I attached to the previous email is our documentation of the payments to your previous account I have updated Gun at the Red Wing store about the situation and he has all the current informationThe decision of any future financing lies with him As far as the payments and the documentation we have of your account, I was not in the store at the time you were making payments so I have no personal knowledge of this situationBecause of this , I only have the documentation I have provided, and this is what I have to go off ofIf you have any additional documentation showing any discrepancies, I will be more then happy to make any corrections needed I am sorry for any inconvenience and confusionIf you have any other questions or need any further assistance from me, please let me know Thank you, E-Z Own Plus, Inc [redacted] Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/12/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) There was never a large gap between my payments and I was a customer long before Feb 20, and I never made a large payment of $in Jan nor $in Feb my payments where always small as we could not afford muchWe financed several items from EZ Own Plus, a Pioneer Stereo, a Inch screen TV, our Daughters Bedroom set and yes the sectional couchThe ledger card that they have provided is not the original ledger card it's a documentI did not finance the couch Feb 20th it was well before that attached is my receipt showing my final payment Final Business Response / [redacted] (4000, 10, 2016/01/05) */ The attached receipt is not for the loan I have been referring to, it is for a previously refinanced loan, #XXXXXXR, that has been paid in full It appears as though we have a misunderstandingThe loan Ms [redacted] thought she paid off was indeed paid in full as shown by the attached receipt; however, this is not the loan I have been referring to when talking to herI have been talking about the loan Ms [redacted] took on February 20,Roughly a month after the payoff shown on her attached receipt The loan I have been referring to is #XXXXXX for a sectional, inventory #XXXXXXXXX, financed on February 20th This happened after making the payment shown by the attached receiptI have attached a pdf file showing the original loan signed by Ms [redacted] and other documents in her loanAs indicated by the attached ledger card, she made payments on loan #XXXXXX for the sectional as follows: Original date Financed: 2-20- X-XX-XXXX - $Payment X-XX-XXXX - $Payment X-XX-XXXX - $Payment X-XX-XXXX - $Payment This left a balance of $as shown on the attached ledger card Moving forward, it is at the discretion of the Red Wing store whether or not to offer financing to Ms [redacted] All parties involved are updated with the most current informationI am sorry for the misunderstanding in regards to this matter As stated before, if Ms [redacted] has any documentation showing discrepancies in regards to the attached loan, please let us know immediately so we can correct any mistakes needed I am sorry for any inconvenience and confusionIf you have any other questions or need any further assistance from me, please let me know Thank you, E-Z Own Plus, Inc XXX-XXX-XXXX

Initial Business Response /* (1000, 6, 2015/12/24) */
[redacted] became a customer on February 20, 2003 when she financed a sectional. The original amount financed was $1954.99. As you can see from the attached ledger, she made 2 payments in April and May of 2003. [redacted] then went for an...

extended period of time before making another payment on the account. She then came in during January and made a payment of $1000.00 and in February with a payment of $1260.00. Which left a balance of $93.22 as the ledger shows toward the bottom.

In the complaint, [redacted] talks about the mistake I, Ryan, made in reporting her past history to the Red Wing store. This mistake did happen and was corrected. It happened because after [redacted] financed her sectional, we updated to new software. Since there was such a large gap between her payments, they had to be entered in a different manner. The employee at the time accounted for the payments correctly on the physical ledger, but entered them incorrectly in the new software. So after I pulled the physical ledger, after talking to [redacted], I found the mistake and gave her the correct amount still owed, and I updated the Red Wing store with the correct information on [redacted]'s history with the Owatonna store. At this point, it was again at the Red Wing's store staff's discretion whether to offer financing. I apologized to [redacted] about the mistake and as stated, updated her and the Red Wing store with the correct information.

In the complaint, [redacted] also states she did not receive a list of payments she made. I sent this information to her on December 4th in the form of her physical ledger from her account as you can see in the email correspondence copied at the end of this complaint response.

I have apologized to [redacted] about the mistake between the physical ledger and the computer. I explained to her the payments were entered in the computer wrong, but were properly recorded on the physical ledger. I also updated the Red Wing store immediately. In addition, I told [redacted] if she had any documentation showing any discrepancies to the current information, I will be more then happy to make any corrections needed.

I have copied our complete email correspondence supporting the information in my response to the complaint to the end of this response.

If there are any other questions or any other information needed, please contact me at [redacted] or [redacted]@gmail.com

Sincerely,
Ryan [redacted]

E-Z Own Plus, Inc
[redacted]
__________________________________________________


On Friday, December 4, 2015 11:10 AM, E-Z Own Plus wrote:

See Attachment

(Ledger attached to this response was attached to this email)
-----------------------------------------------

On Mon, Dec 7, 2015 at 9:54 AM, [redacted] wrote:

This ledger Card is not what I asked for not to mention parts have been whited out, I asked for a complete list of all the payments I made, dates and amounts so I can do the math myself. I paid everything in full. My final payment was smaller then the rest of the payments as it was the final payment. You told the Red Wing store I owed $1900 and I was denied a laptop do to your error. When I contacted you, you argued with me telling me the same. Then you found your mistake and then claimed I still owe $93.22 when in fact I do not owe anything as I paid it in full. I drove to Owatonna each month to make my payments to ensure you got the payments. So far, as I can see, your book keeping is terrible. We were very good customers and spent alot of money there. For years I have refered people to your company I will no longer continue to do so in fact I will be happy to refer them elsewhere and explain why. You are unable to prove I owe $93.22 and that is because I DON'T. I will ask this one last time I would like a copy of all my payments with the dates and amounts. I was denied a laptop from the EZ Own store in Red Wing because of your error.

-------------------------------------------------

From: E-Z Own Plus
Sent: Monday, December 07, 2015 5:26 PM
To: [redacted]
Subject: Re: Account Ledger Card

The ledger care I attached to the previous email is our documentation of the payments to your previous account.

I have updated Gun at the Red Wing store about the situation and he has all the current information. The decision of any future financing lies with him.

As far as the payments and the documentation we have of your account, I was not in the store at the time you were making payments so I have no personal knowledge of this situation. Because of this , I only have the documentation I have provided, and this is what I have to go off of. If you have any additional documentation showing any discrepancies, I will be more then happy to make any corrections needed.

I am sorry for any inconvenience and confusion. If you have any other questions or need any further assistance from me, please let me know.

Thank you,

E-Z Own Plus, Inc.
[redacted]
Initial Consumer Rebuttal /* (3000, 8, 2015/12/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There was never a large gap between my payments and I was a customer long before Feb 20, 2003 and I never made a large payment of $1000 in Jan nor $1260 in Feb my payments where always small as we could not afford much. We financed several items from EZ Own Plus, a Pioneer Stereo, a 52 Inch screen TV, our Daughters Bedroom set and yes the sectional couch. The ledger card that they have provided is not the original ledger card it's a false document. I did not finance the couch Feb 20th 2003 it was well before that attached is my receipt showing my final payment
Final Business Response /* (4000, 10, 2016/01/05) */
The attached receipt is not for the loan I have been referring to, it is for a previously refinanced loan, #XXXXXXR, that has been paid in full.
It appears as though we have a misunderstanding. The loan Ms. [redacted] thought she paid off was indeed paid in full as shown by the attached receipt; however, this is not the loan I have been referring to when talking to her. I have been talking about the loan Ms. [redacted] took on February 20,2003. Roughly a month after the payoff shown on her attached receipt.
The loan I have been referring to is #XXXXXX for a sectional, inventory #XXXXXXXXX, financed on February 20th 2003. This happened after making the payment shown by the attached receipt. I have attached a pdf file showing the original loan signed by Ms. [redacted] and other documents in her loan. As indicated by the attached ledger card, she made payments on loan #XXXXXX for the sectional as follows:
Original date Financed: 2-20-2003
X-XX-XXXX - $75.00 Payment
X-XX-XXXX - $150.00 Payment
X-XX-XXXX - $1000.00 Payment
X-XX-XXXX - $1260.00 Payment
This left a balance of $93.22 as shown on the attached ledger card.
Moving forward, it is at the discretion of the Red Wing store whether or not to offer financing to Ms. [redacted]. All parties involved are updated with the most current information. I am sorry for the misunderstanding in regards to this matter.
As stated before, if Ms. [redacted] has any documentation showing discrepancies in regards to the attached loan, please let us know immediately so we can correct any mistakes needed.
I am sorry for any inconvenience and confusion. If you have any other questions or need any further assistance from me, please let me know.
Thank you,
E-Z Own Plus, Inc.
XXX-XXX-XXXX