Equiant Financial Services

You can never get through to speak to anyone to even take your payment l! But they don’t have a problem charging you late fees! they need a direct number for live agents

Equiant is the Financial Servicer for [redacted] ***The contract referenced in this complaint is between [redacted] and [redacted] ***A copy of the contract can be obtained through contacting [redacted] at ###-###-####.The terms of the loan are outlined in the Truth in Lending disclosure of the contractThis is a standard simple interest installment loanDaily interest accrues based on the fixed interest rate of 16.9%The daily interest for simple interest loans is calculated by multiplying the ‘current’ principal balance by the interest rate, then dividing that number by (days in the year)According to the contract interest will incur and the borrower is responsible to pay the interest.Respectfully,Equiant Financial Services Inc[redacted] – Dispute Resolution

[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 would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolved I submitted the complaint to the recommended company based upon the information that was given to me Regards, [redacted]

Dear Revdex.com,Please accept this correspondence as a response to the complaint filed by Mr [redacted] dated March 22nd, Equiant Financial Services, Inc(“Equiant”) is a loan servicing plat form used by Shell Vacations Club (“SVC”)/ Wyndham Vacations Club (“Wyndham”) with credit reporting as one of the services offered to our client SVC/WyndhamEquiant did not take over ownershipThe loan account is still with the original creditor.After review of account records, Equiant received notification from SVC/Wyndham to report Mr***’s loan as repossession with zero balance as of August, 31st Equiant received a credit bureau dispute from Mr [redacted] initiated through E-Oscar on February 7th, claiming the account was settled with attorney, not obligated to continue paying monthly fees, should not be categorized repossession, it is closed satisfactorily, and request to remove negative account statusThe information was submitted to SVC/Wyndham March 1st, for reviewSVC/Wyndham confirmed the reporting is accurate (repossession with zero balance),therefore, no changes were made to Mr***’s credit bureau reportAttached is a copy of the responseEquiant has no knowledge of nor able to discuss the negotiated terms of the settlement for Mr***’s account, SVC/Wyndham alone retains this authority and can be reached at [redacted] for further assistance.This should resolve and close the complaint

[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 would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***

Hello,Attached is our response to complaint # [redacted] Thank YouMay 23, 2016Re: Revdex.com Complain ID # [redacted] - [redacted] AC# [redacted] Re: Equiant Financial Services Inc & TLC Resorts Vacation Club Dear Dispute Resolution Consultant, Please accept this correspondence as a response to Ms [redacted] complaint filed May 10th, Ms [redacted] ’s complaint appears to arise from:Told the membership fee of will be returned or credited for the next year if did not use the facility or did not go for a vacation·never used any of the facilitycannot choose booking at your own schedule timeRequest to stop collection notice [redacted] is the original creditor and uses Equiant as the primary loan servicer for Ms [redacted] ’s accountAs the third party billing and payment processing agent, Equiant is not a party to, or has any ability to negotiate issues pertaining to contract origination, credit memberships, schedule bookings, stop collection notices from Meridian Financial Services, or settle sales issuesEquiant ceased providing customer service support for TLC Resorts as of January 1st, and the complaint has been forwarded to them for a responseFor further assistance with the membership MsAlterado should contact: TLC Resorts Vacation Club [redacted] Respectfully, Equiant Financial Services IncDispute Resolution Department EM: [redacted] FX: [redacted] Suite | Scottsdale, AZ

Dear Revdex.com,Please accept this continued correspondence as a response to the complaint filed by Mrs [redacted] dated 5/25/17.Mrs [redacted] ’s payment of $posted 5/24/17, $to the collection agency and$to the maintenance feesWe have attached a copy of the account history as confirmationEquiant does not provide customer service support for Wyndham accounts, Mrs [redacted] must contact them directly to confirm this information and for further assistance at [redacted] .This should resolve and close the complaint

Please find attached our response to complaint # [redacted] Thank You

I just checked and the payment is still not made to the account

Dear Revdex.com, Please accept this correspondence as a response to the complaint filed by Mr [redacted] dated February 26th, Equiant Financial Services, Inc(“Equiant”) is a loan servicing platform used by Surrey Vacation Resort / Capital Resorts Group with credit reporting as one of the services offered to our client Surrey Vacation Resort / Capital Resorts GroupEquiant did not take over ownershipYour loan account is still with the original creditor On February 16th, Equiant received notification from Surrey Vacation Resort / Capital Resorts Group to place Mr***’s loan in a hold statusHowever, the notification did not direct Equiant to cancel the membership nor remove the negative credit bureau reportingTo date Equiant has not received authorization to cancel the membershipAs the third-party servicing platform, Equiant is not a party to, or has any ability to cancel membershipsSurrey Vacation Resort / Capital Resorts Group alone retains that authority and can be reached at [redacted] or [redacted] for further assistance Equiant apologizes for any inconvenience the negative reporting has cause MrPolk and have made the appropriate adjustments to correct the errorsA letter was mailed to Mr [redacted] to confirm the adjustments on March 8th, (which is also included) This should resolve and close this complaint

Good afternoon, [redacted] [redacted] [redacted] *** Re: Revdex.com Complain ID [redacted] Re: Equiant Financial Services Inc & Global Exchange Vacation Club A/C [redacted] Equiant is in receipt of your complaint regarding the automated phone system quoting a payoff for your Global Loan accountWe have thoroughly reviewed within our records the timing in which each payoff inquiry was made along with the timing of each payment posting to your account historyWe were able to determine the automated system was accurate in present the true balance, payment fee and impound included, for each inquiry that was madeBased on your explanation of your calculations in effort to pay in full the exact balance we can understand the confusionIt is clear to us it was caused by the actual payment processing day and time that crossed your calculation which was accurate for the very moment it was obtained from the systemEquiant would like to accommodate your request of refunding the entire $paid on 10/13/The transaction reversal will be submitted today and completed within business daysDuring this timeframe your account will be reinstated to an active status to allow for processing the transaction reversalUpon completion your account will return to a paid in full statusIf you have questions during this time please contact me directlyRespectfully, Equiant Financial Services Inc [redacted] [redacted] [redacted] Equiant is going to accomodate the consumer's request to have their full payment of $returned.Best regards, [redacted]

Attached please find our response to complaint # [redacted] [redacted] ***

Dear Revdex.com,Please accept this correspondence as a response to the complaint filed by Mr [redacted] dated6/21/Equiant Financial Services, Inc(“Equiant”) is a loan servicing platform used by Karisma/PrestigeTravelers Membership (“Karisma”) with payment processing as one of the services offered to our clientKarismaEquiant did not take over ownershipThe loan account is still with the original creditor.After reviewing account records, Equiant never received a formal complaint directly or indirectly fromMr [redacted] regarding payment processing.On 12/7/16, Mr [redacted] contacted Equiant’s Call Center for assistance accessing his account via thewebsiteAt that time, Mr [redacted] was advised the auto draft for 12/1/was not honored (declined)Mr.Oihus planned to contact his bank regarding the issue and try to fix the error onlineHowever, we foundon 12/8/Mr [redacted] set up an additional auto pay instead of a one-time payment via the websitewhich caused two payments to draft monthly.Per Mr [redacted] request, payments dated 12/12/16, 1/9/17, 2/8/17, 3/20/17, 4/10/17, 5/8/17, and 6/8/willbe refunded within 2-business daysWe have also cancelled the additional auto payment.The ability to hold auto payments is still available via Equiant’s websiteMr [redacted] took advantage of thisoption 6/21/Should Mr [redacted] like to resume auto pay, he can activate the pending payment fromthe website or contact Equiant directlyThe Call Center can be reached at [redacted] , Mondaythrough Friday- 8:AM till 5:PM MST or via email at [redacted] .This should resolve and close the complaint

We confirmed, through the payment history that the information provided to Ms [redacted] regarding the loan account being delinquent was correct, did not find any payments posted as unapplied, and provided a copy of the loan history as confirmationThe late payments caused the late reporting to the credit bureauOur client has agreed to remove the late reporting once the member pays the account current

See attached document

Thank your email Should I send the dress all the way back to [redacted] which is surely expensive or do I wait? I feel JJsHouse has provided incomplete, fraudulent and misleading information about their policies They just send me the following email to which I responded -I apologize for the lengthy diatribe, but this is very frustrating as a consumerThank you again for any and all guidance[redacted]

EQUIANT FINANCIAL SVCS
Opened an account with my husband as a third party something about a timeshare they started I agree to a contract as a co-applicant I’ve requested paperwork were it saying that I was going to get reported to credit bureau and that I authorized to do so and all they told me is that I’m responsible and they have a contract. In the meantime I disputed this with the credit agency and all they do is taking whatever EQUIANT FINANCIAL SVCS it’s reporing my credit drop 70 point and can’t get nowhere it’s frustrating

Good afternoon,Please find attached our response to this complaint.Best regards,*** ***Dispute Resolution***
***

Dear Revdex.com, Please accept this correspondence as a response to the complaint filed by Mrs*** *** dated March 20th, Equiant Financial Services, Inc(“Equiant”) is a loan servicing platform used by Coral Resorts with payment processing as one of the services offered
to our Client Coral Resorts.After review of the account, Mrs*** did not have contact with an Equiant Representative until 3/7/17, all prior auto pay adjustments were initiated by Mrs*** via Equiant’s website.This information has been communicated with our ClientIn response Coral Resorts has agreed to waive the $in NSF fees and has requested a check sent to Mrs*** in the amount of $since she admitted that some of this was her mistake as wellShould Mrs*** have any further questions, she can contact our offices at ***; inquiries regarding the refund check should be directed to Khalilah with Coral Resorts at ***.This should resolve and close the complaint

*** ***
*** *** *** **
*** ** *** Re: Revdex.com Complain ID 10422123 Re: Equiant Financial Services Inc & *** *** *** *** *** *** Equiant is in receipt of your complaint regarding reimbursement of $to your *** ***
*** accountHowever, your dispute is with *** *** ***Equiant Financial only provides billing and processing support. Your complaint has been forwarded to the current servicing company Wyndham for a responsePlease contact them at *** for further assistance. Respectfully, Equiant Financial Services Inc. *** *** * *** ***
*** ***
*** ***