Equiant Financial Services

Hello,Please see attached response to case # ***. Thank You

Please accept this response to The *** complaint filed April 27th, The ***’s is requestingEquiant Financial Services, Inccease billing for *** *** *** due to the contact being void as of 11/2014.After review of the account(s), Equiant spoke to The *** on several
occasions confirming there was a cancellation pendingEquiant received a copy of the Confidential Termination and Release Agreement from The *** on 2/22/via certified mailThe correspondence was forwarded to *** *** *** on 2/25/since *** *** *** is the entity The *** contractually engaged and purchased from.Equiant ceased billing as of 4/28/15.As of 5/11/15, Equiant received confirmation from *** *** *** the account will be cancelledA cancellation letter will be mailed to The *** within business days.For further assistance with cancellation of the membership The *** should contact: *** *** Club Loan Purchase ManagerMrAlex H*** Joseph T*** *** *** *** *** *** *** *** *** *** ** *** *** *** *** *** *** *** ** *** *** *** ***Respectfully,Equiant Financial Services IncDispute Resolution Department

Dear Revdex.com,Please accept this correspondence as a response to the complaint filed by Mrs*** ** *** dated 5/25/Equiant Financial Services, Inc(“Equiant”) is a loan servicing platform used by ***/*** *** ***/*** *** at Fishermans Wharf (“***”) with
payment processing as one of the services offered to our client ***.It is not Equiant’s intentions to cause delay in payment processing and would like to provide some clarification in the posting process with the third-party collections agency *** *** ***; After review of account records, Equiant received notification from *** *** *** 5/18/(days from the initial date paid) confirming receipt of payment in the amount of $for Mrs** ***’s accountHowever, the payment is not applied to the account until the monies are received by Equiant from *** *** ***The payment was forwarded to Equiant (in check form) for posting via FedEx with a scheduled delivery of 5/20/17, SaturdayEquiant is closed on weekendsThe delivery was placed in Equiant’s mail box and picked up late Monday, 5/22/The payment was processed within 24-hours of receiptMrs***’s payment posted to the account early Wednesday,5/24/After posting, Equiant sent notification of payment to *** and the account is schedule to become active today, 5/25/17.Should Mrs*** like to confirm this information, she can contact *** directly at ***.This should resolve and close the complaint

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference,
details of the offer I reviewed appear below.I have attached my contract which shows a different year. Also, I have (2) contracts, my first contract was in 1997 and that have been paid in full and I received the paid deed.My first contract was under *** and *** *** - week ***.If they can investigate this I would appreciate it.
Regards,
*** ***

** *** *** ** *** *** *** *** *** *** ** *** *** *** ** *** *** *** *** *** ** *** *** ***
Revdex.com:
I have reviewed the response
made by the business in reference to complaint ID ***, 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,
*** ***

Hello,Attached is our response to complaint # ***. Thank You RE: Revdex.com Complaint Case # *** Account *** Relationship between Equiant Financial Services, Incand *** *** ***Dear Revdex.com,Please accept this correspondence as a response to the
complaint filed by Kimberly R** filed August 16, Equiant Financial Services, Inc(“Equiant”) is a loan servicing platform used by *** *** *** with payment processing as one of the services offered to our client *** *** ***As the third party agent, Equiant is not a party who can confirm whether MrsR** authorized payment of $for her membership or not, Customer Service Support is not a service we provide for *** *** *** membersFor further clarification and assistance MrsR** should contact the company in whom she made the purchase transaction at 1-866-654-option and address of:*** *** *** /Getaways Resort Management LLC*** ** *** *** *** *** ***Las Vegas, NV 89119This should resolve and close this complaint.Respectfully,Equiant Financial Services Inc.Dispute Resolution Department

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 confirmation. The late payments caused the late reporting to the credit bureau. Our client has agreed to remove the late reporting once the member pays the account current.

I disagree with what equiant submitted. In October, nov, and December  we pd per kings creek with Tom W[redacted] who said there was zero balance owed, three total payments each time. They were still misapplied by equiant.

Dear Revdex.com,Please accept this correspondence as a response to the complaint filed by Mr. [redacted] dated February 2nd, 2017. Equiant Financial Services, Inc. (“Equiant”) is a loan servicing platform used by Surrey Vacation Resort / Capital Resorts Club with credit reporting as one...

of the services offered to our client Surrey Vacation Resort / Capital Resorts Club.On 12/23/15, 3/4/2016, 3/28/16, and 6/29/16 Equiant received a request from Surrey Vacation Resort / Capital Resorts Club to advance the loan due date for Mr. [redacted]’s loan. A copy of the account history is included to confirm the adjustments. However, the request did not include removal of negative credit bureau reporting. Equiant apologizes for any inconvenience the negative reporting has cause Mr. [redacted] and has made appropriate adjustments to correct the errors. A letter has been mailed to Mr.[redacted] to confirm the adjustments (which is also included).Should Mr. [redacted] have any further questions he can contact our offices at [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 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. However, I would suggest the company not disable the ability to cancel the automatic payments, which would have allowed me to fix the problem myself, as well as fix their contact us tab so they can be made aware of these issues without taking these actions.
Regards,
[redacted]

Hello,Please find attached our response to Revdex.com Complaint #[redacted]. Thank you

Dear Revdex.com,   Please accept this correspondence as a response to the complaint filed by Mr. [redacted] dated February 26th, 2017. 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 Group. Equiant did not take over ownership. Your loan account is still with the original creditor.   On February 16th, 2017 Equiant received notification from Surrey Vacation Resort / Capital Resorts Group to place Mr. [redacted]’s loan in a hold status. However, the notification did not direct Equiant to cancel the membership nor remove the negative credit bureau reporting. To date Equiant has not received authorization to cancel the membership. As the third-party servicing platform, Equiant is not a party to, or has any ability to cancel memberships. Surrey 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 Mr. Polk and have made the appropriate adjustments to correct the errors. A letter was mailed to Mr. [redacted] to confirm the adjustments on March 8th, 2017 (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 account. We 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 history. We were able to determine the automated system was accurate in present the true balance, payment fee and impound included, for each inquiry that was made. Based on your explanation of your calculations in effort to pay in full the exact balance we can understand the confusion. It 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 system. Equiant would like to accommodate your request of refunding the entire $20.20 paid on 10/13/2014. The transaction reversal will be submitted today and completed within 2 business days. During this timeframe your account will be reinstated to an active status to allow for processing the transaction reversal. Upon completion your account will return to a paid in full status. If you have questions during this time please contact me directly. Respectfully, Equiant Financial Services Inc. [redacted] 
[redacted] 
[redacted] Equiant is going to accomodate the consumer's request to have their full payment of $20.20 returned.Best regards,[redacted]

Dear Revdex.com,Please accept this correspondence as a response to the complaint filed by Mr. [redacted] dated March 22nd, 2017. 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/Wyndham. Equiant did not take over ownership. The loan account is still with the original creditor.After review of account records, Equiant received notification from SVC/Wyndham to report Mr. [redacted]’s loan as repossession with zero balance as of August, 31st 2016. Equiant received a credit bureau dispute from Mr. [redacted] initiated through E-Oscar on February 7th, 2017 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 status. The information was submitted to SVC/Wyndham March 1st, 2017 for review. SVC/Wyndham confirmed the reporting is accurate (repossession with zero balance),therefore, no changes were made to Mr. [redacted]’s credit bureau report. Attached is a copy of the response. Equiant has no knowledge of nor able to discuss the negotiated terms of the settlement for Mr. [redacted]’s account, SVC/Wyndham alone retains this authority and can be reached at [redacted] for further assistance.This should resolve and close the complaint.

Dear Revdex.com, Please accept this correspondence as a response to the complaint filed by Mrs. [redacted] dated 5/28/17. Equiant Financial Services, Inc. (“Equiant”) is a loan servicing platform used by [redacted] with payment processing...

as one of the services offered to our client [redacted].We would like to first clarify; The payment authorization number is verification Equiant received approval from the cardholder to process payment and does not confirm the Credit Card Company or Banking Institution approved the payment.After review of the account, we found the payment initiated 5/23/17 of $7,241.14 from the Master card ending [redacted] was DECLINE (DO NOT HONOR). We ask that Mrs. [redacted] confirm this information with her bank records and if that is correct, log on to our website and resubmit the payment. If the payment declines again, Mrs. [redacted] must contact her Credit Card Company or Banking Institution for assistance.We also found, $300.00 loan principal payments were set up for auto pay via Equiant’s website on4/24/17. The loan was not closed as paid in full 5/23/17, therefore, auto pay resumed as scheduled causing a debt to take place on 5/24/17 for $300.00. Per Mrs. [redacted] request, an agent will contact her to confirm this information. Should Mrs. [redacted] need future assistance, Equiant’s Call Center is open Monday through Friday 8:00 AM till 5:00 PM MST and can be reached at [redacted] (via email at [redacted]).This should resolve and close the complaint.

Attached please find our response to complaint # [redacted]

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 $1672.19 posted 5/24/17, $320.00 to the collection agency and$1352.19 to the maintenance fees. We have attached a copy of the account history as confirmation. Equiant 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

[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]

Re: Revdex.com Complain ID # [redacted]Re: Equiant Financial Services Inc & [redacted] RESORTS - [redacted] RESORTS CLUB A/C [redacted] - [redacted]Dear Dispute Resolution Consultant,Please accept this correspondence as a response to the letter dated March 30th, 2015 informing Equiant FinancialServices Inc....

of a complaint filed by The [redacted]s. The [redacted]’s dispute includes several issues:1-  Point of sale, feels the membership was sold under false pretence2-  [redacted] Card billing3-  Has not received answers to their questions (by mail, phone, or in person)4-  Has not received a statement5-  Request to cancel the membership6-  Refund of all monies paid into the membershipAfter review of The [redacted]’s loan account with [redacted] Vacations Resorts, Equiant contacted the [redacted]s 12/1/14 to assist with change of autopay information.  Equiant also contacted the [redacted]s 2/24/15 to assist with bringing the loan account current and the cancelation of autopay in order to receive future statements. Our 2/24/15 contact included sending a credit card cancelation letter confirming the next payment due date and amount owed. To our knowledge, the letter was not returned from the post office.Equiant received a dispute letter dated 1/6/15 via certified mail. The items disputed are with our client, [redacted] Resorts & [redacted] Resorts Club.  [redacted] Resorts & [redacted] Resorts Club is the entities the [redacted]s contractually engaged and purchased from.   Equiant forwarded the 1/6/15 letter to [redacted] Resorts & [redacted] Resorts Club on1/20/15. To date, Equiant has not received information back from our client.As [redacted] Resorts’ & [redacted] Resorts Club’s third party billing and payment processing agent, Equiant is not a party to, or has any ability to negotiate issues pertaining to contract origination, cancellation of membership, ability to settle sales issues, or refund monies paid towards the membership. Equiant also has no access to information regarding the [redacted] Card.For assistance with their issues the [redacted]s should contact [redacted] Resorts & [redacted] Resorts Club: [redacted] Resorts & [redacted] Resorts ClubMr. [redacted]300 [redacted]@GCRVacations.comRespectfully,Equiant Financial Services Inc. Dispute Resolution Department PH: [redacted]0EM: [redacted].comFX: [redacted]