Initial Business Response / [redacted] (1000, 5, 2015/07/25) */ RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated July 23, in reference to the complainant identified aboveAfter reviewing the notes on the account and [redacted] complaint itself, the following determination was made Mr***'s information was submitted to GVL by application and a $1,loan in his name was funded on May 28, The loan contract was electronically signed on May 28, The application data contained his name, address, banking, and employer informationUpon receipt, GVL submitted the application data for verification which is part of [redacted] company's regular underwriting approval processThe information in the application passed underwriting and verificationBecause his data passed the verification process, the loan application was approved and funded When Mr [redacted] notified GVL that he did not apply for a loan, GVL took immediate steps to rectify [redacted] matter, including placing the account on hold, informing the customer to file a police report, revoking all authorization, and placing the contact information on a do-not-call listUnfortunately, GVL's notification system automatically sent a second reminder e-mail when payment was not receivedGVL is reviewing this process to prevent the error from happening again Mr [redacted] provided GVL with an incident report and an ID Theft AffidavitIn response to this information, GVL has taken [redacted] following steps: His name/account was flagged to prevent a new loan from being established Any existing ACH/EFT authorizations were cancelled to prevent electronic funds transfers from his account The loan balance was written off A copy of the loan agreement has been provided to Mr*** While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows these procedures to minimize [redacted] impact to [redacted] consumer and correct the issues as soon as they are found GVL is pleased to be able to assist the consumer in this manner, although it is under no legal obligation to do soGVL is located on sovereign land of the Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loansThe GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, Compliance Department Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/27) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response / [redacted] (1000, 7, 2016/01/11) */ RE: [redacted] #XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated January 4, in reference to the complainant identified aboveAfter reviewing the notes on the account and the complaint itself, it was determined that Mr***'s information was submitted to GVL by application and a $1,loan in his name was funded on November 4, The loan contract was electronically signed on November 3, [redacted] application data contained his name, address, banking, and employer informationUpon receipt, GVL submitted the application data for verification which is part of the company's regular underwriting approval processThe information in the application passed [redacted] and verificationBecause his data passed the verification process, the loan application was approved and funded When Mr [redacted] notified GVL that he did not apply for a loan, GVL took immediate steps to rectify the matter, including placing the account on hold, sending an ID Theft report form and affidavit for him to complete and file with his local law enforcement, revoking all authorization, and placing the contact information on a do-not-call listGVL has placed this account on hold for days to provide Mr [redacted] time to complete and return the ID Theft form and affidavitOnce this is received, GVL will investigate the matterIf it is determined that Mr [redacted] is a victim of identity fraud, GVL will take the following steps: His name/account will be flagged to prevent a new loan from being established [redacted] loan balance will be written off A response will be sent to [redacted] customer notifying them of [redacted] actions taken and confirming [redacted] loan balance has been written off While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows these procedures to minimize [redacted] impact to [redacted] consumerGVL is pleased to be able to assist the consumer in this mannerGVL is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo [redacted] to make small loansThe GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo of Upper Lake In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted] Initial Consumer Rebuttal / [redacted] (3000, 9, 2016/01/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I filed a police report on January 8, Waiting for report to be completed and mailed to meGVL sent me paperwork requesting my drivers license number and social security numberI do not feel comfortable in sending that info to themHow secured is their system or is it something that I have to do whether I want to or notWhat if I send them the police report numberI am very concern about sending social security and drivers license numbers Final Business Response / [redacted] (4000, 18, 2016/02/05) */ RE: [redacted] #XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated January 20, in reference to the complainant identified above We realize this circumstance can be an unsettling experience, and that individuals may not be comfortable completing our Identity Theft Victim's Complaint and Affidavit Form (the "Complaint Form")While GVL understands that victims of identity theft may be reluctant to share information, to make certain that they do not become responsible for the debts incurred by the identity thief, they must provide proof that they didn't create the debt If Mr [redacted] does not wish to use [redacted] Complaint Form to support his claim, he may provide the following documents in its place: (1) A copy of the filed report with his local police department confirming he have reported the identity theft to local law enforcement (2) A statement affirming that he did not apply for [redacted] loan, dated and signed by him, that is also signed by a witness or a public notary We have emailed Mr [redacted] and asked him to return [redacted] completed Complaint Form or the alternative documents by mail or emailOnce received, we will investigate this matter as quickly as possible to complete [redacted] investigation While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows these procedures to minimize [redacted] impact to [redacted] consumerGVL is pleased to be able to assist [redacted] consumer in this mannerGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo of Upper Lake In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department
Initial Business Response / [redacted] (1000, 7, 2015/10/19) */ October 5, Sent Via E-mail to: [redacted] @Revdex.comemail.org Revdex.com Broadway, Suite Oakland, CA XXXXX RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated October 1, in reference to [redacted] complainant identified aboveBased on GVL's careful review of Ms***'s account and her payment history, GVL does not agree with her claimMs [redacted] applied for an $loan, which was funded on July 7, [redacted] terms of [redacted] loan, [redacted] payment schedule, finance charges and [redacted] annual APR were disclosed to Ms [redacted] in her loan contract, and she signed [redacted] contract and agreed to [redacted] terms of [redacted] loan before GVL issued [redacted] funds to herAdditionally, a GVL agent explained [redacted] loan terms to Ms [redacted] prior to funding [redacted] loan Therefore, GVL disagrees with Ms***'s assertions, and considers [redacted] balance of [redacted] loan still outstandingTo assist Ms [redacted] in setting up payment options she may contact a Customer Service Representative at X-XXX-XXX-XXXXGVL also provides information about payment options and other common questions on its FAQ page located on its website at https://www.goldenvalleylending.com/FAQ/FAQ.aspx GVL is pleased to be able to assist [redacted] consumer in this manner, although it is under no legal obligation to do soGVL, which is located on sovereign land of [redacted] Habematolel Pomo [redacted] , a federally recognized Indian tribe, is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted]
August 21, Revdex.com [redacted] RE: [redacted] # [redacted] Dear Revdex.com: Golden Valley Lending, Inc(“GVL”) is in receipt of your letter dated August 15, in reference to the complainant identified above GVL has a documented process in place for identity theft allegations and has placed the account on hold, sent [redacted] an ID Theft report form and affidavit for him to complete and file with his local law enforcement, revoked all authorizations, and placed the contact information on a do-not-call listWhile GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows the above procedures to minimize the impact to the consumerGVL requires more than a customer simply stating that they did not apply for a loan to complete its investigation Once GVL has received the additional information from the affidavit and police report, GVL will investigate the matterIf it is determined that [redacted] is a victim of identity fraud, GVL will take the following steps: · His name/account will be flagged to prevent a new loan from being established · The loan balance will be written off · A response will be sent to the customer notifying them of the actions taken and confirming the loan balance has been written off GVL is pleased to be able to assist the consumer in this mannerGVL is located on sovereign land of the [redacted] ***, which is a federally recognized Indian tribeIt is licensed by the [redacted] to make small loansThe GVL loan agreement and website contain all disclosures required by [redacted] and federal law and make it clear that all transactions are governed by [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and the [redacted] *** possesses, all of which are expressly reserved Sincerely, Compliance Department
Initial Business Response / [redacted] (1000, 5, 2015/06/22) */ June 17, SENT VIA E-MAIL TO: [redacted] @Revdex.comemail.org Revdex.com Broadway, Suite Oakland, CA XXXXX RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated June 8, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, [redacted] following determination was made Mr [redacted] claims that he did not take out [redacted] $loan that was funded on April 20, GVL has sent Mr [redacted] an e-mail to [redacted] address listed in [redacted] complaint containing a copy of [redacted] contract and a copy of a complaint form to aid him with filing a police report When GVL receives [redacted] completed form and police report, then [redacted] following will happen: [redacted] customer's name/account is flagged to prevent a new loan from being established Any existing ACH/EFT authorizations are cancelled and no further electronic funds transfers are made from customer's account [redacted] loan balance is written off A response is sent to [redacted] customer notifying them of [redacted] actions taken and confirming [redacted] loan balance has been written off Mr [redacted] 's account has been placed on hold for days in order to allow him time to complete [redacted] complaint form and file a police report and send it to GVLWhile GVL cannot control [redacted] amount of fraudulent applications or identity theft, it does follow its procedures to minimize [redacted] impact to [redacted] consumer and correct [redacted] issues as soon as they are found GVL is pleased to be able to assist [redacted] consumer in this manner, although it is under no legal obligation to do soGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by [redacted] tribal law of [redacted] Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/23) */ ( [redacted] consumer indicated he/she DID NOT accept [redacted] response from [redacted] business.) In fact they did not send me [redacted] documentation stated above and upon receipt of documentation of said loan agreement as well as documentation that money changed hands(in other words, a cancelled check, wire transfer,etc.), then I will be happy to pursue this matter furtherAt this point, there seems to be no evidence whatsoever that any such loan ever occurred Respectfully, [redacted] Final Business Response / [redacted] (4000, 9, 2015/07/13) */
Initial Business Response / [redacted] (1000, 7, 2015/12/29) */ RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated December 14, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, it was determined that Ms [redacted] 's information was submitted to GVL by electronic application but no loan was ever funded because she informed GVL that she did not apply GVL has sent Ms [redacted] information about identity fraud and flagged her name in its system to prevent a new loan from being established in [redacted] future and to prevent her from receiving phone calls from GVL While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows procedures to minimize [redacted] impact to [redacted] consumerGVL is pleased to be able to assist [redacted] consumer in this mannerGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 9, 2016/01/11) */ RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated November 16, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, it was determined that Mr [redacted] 's information was submitted to GVL by electronic application but no loan was ever funded because he informed GVL that he did not apply GVL has sent Mr [redacted] information about identity fraud and flagged his name in its system to prevent a new loan from being established in [redacted] future and to prevent him from receiving phone calls from GVL While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows procedures to minimize [redacted] impact to [redacted] consumerGVL is pleased to be able to assist [redacted] consumer in this mannerGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely,
Initial Business Response / [redacted] (1000, 5, 2015/07/28) */ RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated July 17, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, GVL does not agree with Ms [redacted] 's claimMs [redacted] applied for a $loan, which was funded on [redacted] 12, [redacted] terms of [redacted] loan, [redacted] payment schedule, finance charges and [redacted] annual APR were disclosed to Ms [redacted] in her loan contract, and she signed [redacted] contract and agreed to [redacted] terms of [redacted] loan before GVL issued [redacted] funds to herFurther, all GVL agents are required to inform customers that their loans are structured on a 20-payment schedule, and that they [redacted] pay additional principal or pay their loan off in full at any time without penalty GVL has removed ACH Authorization as requested by Ms [redacted] in her e-mails to GVL dated July and July 16, Although GVL disagrees with Ms [redacted] 's assertions, GVL is committed to customer service and has marked [redacted] account paid in full and will not collect any further payment on Ms [redacted] 's accountHowever, GVL will not issue a refund as payments made were in accordance with [redacted] customer's loan agreement GVL is pleased to be able to assist [redacted] customer in this manner, although it is under no legal obligation to do soGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by [redacted] tribal law of [redacted] Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/29) */ ( [redacted] consumer indicated he/she ACCEPTED [redacted] response from [redacted] business.) I am disappointed with no refund but I am pleased this nightmare is over
Initial Business Response / [redacted] (1000, 5, 2015/07/08) */ See attached Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/09) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept the terms given
Initial Business Response / [redacted] (1000, 7, 2016/01/11) */ RE: [redacted] #XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc(GVL) is in receipt of your communication dated December 17, 2015, and [redacted] follow up dated January 4, in reference to [redacted] complainant identified aboveWe apologize for [redacted] delayed response Based on GVL's careful of [redacted] notes on [redacted] account and [redacted] complaint itself, GVL does not agree with Mr [redacted] 's claim that GVL is illegal in his stateGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by [redacted] tribal law of [redacted] Habematolel Pomo [redacted] Mr [redacted] applied for a $1,loan, which was funded on April 22, [redacted] terms of [redacted] loan, [redacted] payment schedule, finance charges and [redacted] annual APR were disclosed to Mr [redacted] in his loan contract, and he signed and agreed to [redacted] terms of [redacted] loan before GVL issued [redacted] funds to himFurther, all GVL agents are required to inform customers that their loans are structured on a 20-payment schedule, and that they may pay additional principal or pay their loan off in full at any time without penalty However, GVL is committed to customer service and therefore agrees to waive [redacted] finance fees for [redacted] remainder of [redacted] loanGVL's complaint resolution [redacted] has contacted Mr [redacted] via e-mail and informed him of its decision and encouraged him to contact customer service at XXX-XXX-XXXX to arrange a payment planGVL is pleased to be able to assist [redacted] consumer in this manner, although it is under no legal obligation to do so In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [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 meSincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/11/02) */ RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated October 21, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, it was determined that Ms [redacted] 's information was submitted to GVL by application but no loan was ever funded because she informed GVL that she did not apply GVL has sent Ms [redacted] information about identity fraud and flagged her name in its system to prevent a new loan from being established in [redacted] future and to prevent her from receiving phone calls from GVL While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows procedures to minimize [redacted] impact to [redacted] consumerGVL is pleased to be able to assist [redacted] consumer in this mannerGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted]
Golden Valley Lending, Inc [redacted] October 10, Revdex.com [redacted] RE: [redacted] # [redacted] Dear Revdex.com: Golden Valley Lending, Inc(GVL) is in receipt of your communication dated October 4, in reference to the complainant identified aboveAfter reviewing the notes on the account and the complaint itself, GVL disagrees with [redacted] 's assertions [redacted] applied for a $loan, which was funded on March 14, The terms of the loan, the payment schedule, finance charges and the annual APR were disclosed to [redacted] in the loan contract, and it was signed and the terms of the loan were agreed to before GVL issued the fundsFurther, all GVL agents are required to inform customers that their loans are structured on a 20-payment schedule, and that they may pay additional principal or pay their loan off in full at any time without penalty GVL is committed to customer service, so it has marked the account paid in full and will not collect any further payment on her account GVL is pleased to be able to assist the consumer in this manner, although it is under no legal obligation to do soGVL is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe GVL loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance DepartmentTell us why here
Golden Valley Lending, Inc [redacted] April 21, Revdex.com Broadway, Suite Oakland, CA RE: [redacted] *** # [redacted] Dear Revdex.com: Golden Valley Lending, Inc(GVL) is in receipt of your communication dated April 13, in reference to the complainant identified aboveAfter reviewing the notes on the account, the phone calls, and the complaint itself, GVL disagrees with ** [redacted] assertions** [redacted] applied for her second loan with GVL, in the amount of $800, which was funded on March 31, The terms of the loan, the payment schedule, finance charges, and terms and conditions for paying the loan off early were disclosed to ** [redacted] in the loan contract; ** [redacted] had the opportunity to review the loan contract and payment schedule before it was signed, and she signed the contract before GVL issued the funds GVL has acted in accordance with the loan agreement to which ** [redacted] agreedGVL is committed to excellent customer service, however, and will accept repayment of the principal only** [redacted] should call GVL’s customer service department to set up a repayment schedule; per her states wishes she has been added to GVL’s do-not-call list GVL is pleased to be able to assist the consumer in this manner, although it is under no legal obligation to do soGVL is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe GVL loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department Tell us why here
Golden Valley Lending, Inc [redacted] August 30, Revdex.com [redacted] RE: [redacted] # [redacted] Dear Revdex.com: Golden Valley Lending, Inc(GVL) is in receipt of your communication dated August 19, in reference to the complainant identified aboveAfter reviewing and investigating the complaint, GVL disagrees with [redacted] assertionsGVL does not report to TeletrackGVL's attempts to contact Teletrack directly failed because GVL does not have a relationship with them GVL would be happy to investigate further if [redacted] would provide GVL with documentation of the report that she is referencing, or reach out to Teletrack and ask them to contact GVLWithout more information, there is nothing further that GVL can do to resolve this complaintGVL acknowledges that [redacted] paid off her loan in full and was a good customer GVL is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe GVL loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance DepartmentTell us why here
Final Consumer Response / [redacted] (2000, 6, 2015/07/01) */ [redacted] business has worked with me satisfactorily to close this disputeI am happy with [redacted] outcome
Initial Business Response / [redacted] (1000, 5, 2015/07/27) */ July 23, Sent Via E-mail to: [redacted] @Revdex.comemail.org Revdex.com Broadway, Suite Oakland, CA XXXXX RE: [redacted] #XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated July 13, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, [redacted] following determination was made Ms [redacted] applied for a loan of $600, which was funded on December 19, [redacted] terms of [redacted] loan, [redacted] payment schedule, finance charges and [redacted] annual APR were disclosed to Ms [redacted] in her loan contract, and she signed [redacted] contract and agreed to [redacted] terms of [redacted] loan before GVL issued [redacted] funds to herConsequently, GVL disagrees with Ms [redacted] 's assertionsMs [redacted] 's account has been marked paid in full and no further payments are requiredGVL will not issue a refund as payments made were in accordance with [redacted] customer's loan agreement GVL, which is located on sovereign land of [redacted] Habematolel Pomo [redacted] , a federally recognized Indian tribe, is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by [redacted] tribal law of [redacted] Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted] Resolution
Initial Business Response / [redacted] (1000, 7, 2015/08/18) */ August 11, Sent Via E-mail to: [redacted] @Revdex.comemail.org Revdex.com Broadway, Suite Oakland, CA XXXXX RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated July 31, Based on GVL's careful review of [redacted] notes on [redacted] account, [redacted] recorded telephone calls, and [redacted] complaint itself, GVL does not agree with Ms [redacted] 's claims and finds them to be without meritMr [redacted] applied for his loan of $600, which was funded on January 30, Ms [redacted] approved all payments that GVL took out of her account prior to [redacted] payments going throughGVL did not have a glitch in its system causing duplicate payments, nor did any agent state that this was [redacted] caseRather [redacted] payments were scheduled, valid, and approved by Ms [redacted] on July 9, to come out on July 10, and July 24, 2015, which is when [redacted] payments were processedTherefore, GVL denies Ms [redacted] 's request for a refund as [redacted] payments made were owed and there is nothing to refund GVL, which is located on sovereign land of [redacted] Habematolel Pomo [redacted] , a federally recognized Indian tribe, is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/10/30) */ RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated October 21, in reference to [redacted] complainant identified aboveBased on GVL's careful review of Ms***'s account and her payment history, GVL does not agree with her claimMs [redacted] applied for a $loan, which was funded on May 4, [redacted] terms of [redacted] loan, [redacted] payment schedule, finance charges and [redacted] annual APR were disclosed to Ms [redacted] in her loan contract, and she signed [redacted] contract and agreed to [redacted] terms of [redacted] loan before GVL issued [redacted] funds to her GVL disagrees with Ms***'s assertions, and denies Ms***'s request for a refund because GVL acted in accordance with [redacted] agreementHowever, GVL is committed to customer service and has waived [redacted] remaining balance owed by Ms [redacted] and nothing further is owedGVL has contacted Ms [redacted] via email and informed her of its decision to waive [redacted] balance owed GVL is pleased to be able to assist [redacted] consumer in this manner, although it is under no legal obligation to do soGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by [redacted] tribal law of [redacted] Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/07/25) */ RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated July 23, in reference to the complainant identified aboveAfter reviewing the notes on the account and [redacted] complaint itself, the following determination was made Mr***'s information was submitted to GVL by application and a $1,loan in his name was funded on May 28, The loan contract was electronically signed on May 28, The application data contained his name, address, banking, and employer informationUpon receipt, GVL submitted the application data for verification which is part of [redacted] company's regular underwriting approval processThe information in the application passed underwriting and verificationBecause his data passed the verification process, the loan application was approved and funded When Mr [redacted] notified GVL that he did not apply for a loan, GVL took immediate steps to rectify [redacted] matter, including placing the account on hold, informing the customer to file a police report, revoking all authorization, and placing the contact information on a do-not-call listUnfortunately, GVL's notification system automatically sent a second reminder e-mail when payment was not receivedGVL is reviewing this process to prevent the error from happening again Mr [redacted] provided GVL with an incident report and an ID Theft AffidavitIn response to this information, GVL has taken [redacted] following steps: His name/account was flagged to prevent a new loan from being established Any existing ACH/EFT authorizations were cancelled to prevent electronic funds transfers from his account The loan balance was written off A copy of the loan agreement has been provided to Mr*** While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows these procedures to minimize [redacted] impact to [redacted] consumer and correct the issues as soon as they are found GVL is pleased to be able to assist the consumer in this manner, although it is under no legal obligation to do soGVL is located on sovereign land of the Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loansThe GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, Compliance Department Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/27) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response / [redacted] (1000, 7, 2016/01/11) */ RE: [redacted] #XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated January 4, in reference to the complainant identified aboveAfter reviewing the notes on the account and the complaint itself, it was determined that Mr***'s information was submitted to GVL by application and a $1,loan in his name was funded on November 4, The loan contract was electronically signed on November 3, [redacted] application data contained his name, address, banking, and employer informationUpon receipt, GVL submitted the application data for verification which is part of the company's regular underwriting approval processThe information in the application passed [redacted] and verificationBecause his data passed the verification process, the loan application was approved and funded When Mr [redacted] notified GVL that he did not apply for a loan, GVL took immediate steps to rectify the matter, including placing the account on hold, sending an ID Theft report form and affidavit for him to complete and file with his local law enforcement, revoking all authorization, and placing the contact information on a do-not-call listGVL has placed this account on hold for days to provide Mr [redacted] time to complete and return the ID Theft form and affidavitOnce this is received, GVL will investigate the matterIf it is determined that Mr [redacted] is a victim of identity fraud, GVL will take the following steps: His name/account will be flagged to prevent a new loan from being established [redacted] loan balance will be written off A response will be sent to [redacted] customer notifying them of [redacted] actions taken and confirming [redacted] loan balance has been written off While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows these procedures to minimize [redacted] impact to [redacted] consumerGVL is pleased to be able to assist the consumer in this mannerGVL is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo [redacted] to make small loansThe GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo of Upper Lake In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted] Initial Consumer Rebuttal / [redacted] (3000, 9, 2016/01/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I filed a police report on January 8, Waiting for report to be completed and mailed to meGVL sent me paperwork requesting my drivers license number and social security numberI do not feel comfortable in sending that info to themHow secured is their system or is it something that I have to do whether I want to or notWhat if I send them the police report numberI am very concern about sending social security and drivers license numbers Final Business Response / [redacted] (4000, 18, 2016/02/05) */ RE: [redacted] #XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated January 20, in reference to the complainant identified above We realize this circumstance can be an unsettling experience, and that individuals may not be comfortable completing our Identity Theft Victim's Complaint and Affidavit Form (the "Complaint Form")While GVL understands that victims of identity theft may be reluctant to share information, to make certain that they do not become responsible for the debts incurred by the identity thief, they must provide proof that they didn't create the debt If Mr [redacted] does not wish to use [redacted] Complaint Form to support his claim, he may provide the following documents in its place: (1) A copy of the filed report with his local police department confirming he have reported the identity theft to local law enforcement (2) A statement affirming that he did not apply for [redacted] loan, dated and signed by him, that is also signed by a witness or a public notary We have emailed Mr [redacted] and asked him to return [redacted] completed Complaint Form or the alternative documents by mail or emailOnce received, we will investigate this matter as quickly as possible to complete [redacted] investigation While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows these procedures to minimize [redacted] impact to [redacted] consumerGVL is pleased to be able to assist [redacted] consumer in this mannerGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo of Upper Lake In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department
Initial Business Response / [redacted] (1000, 7, 2015/10/19) */ October 5, Sent Via E-mail to: [redacted] @Revdex.comemail.org Revdex.com Broadway, Suite Oakland, CA XXXXX RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated October 1, in reference to [redacted] complainant identified aboveBased on GVL's careful review of Ms***'s account and her payment history, GVL does not agree with her claimMs [redacted] applied for an $loan, which was funded on July 7, [redacted] terms of [redacted] loan, [redacted] payment schedule, finance charges and [redacted] annual APR were disclosed to Ms [redacted] in her loan contract, and she signed [redacted] contract and agreed to [redacted] terms of [redacted] loan before GVL issued [redacted] funds to herAdditionally, a GVL agent explained [redacted] loan terms to Ms [redacted] prior to funding [redacted] loan Therefore, GVL disagrees with Ms***'s assertions, and considers [redacted] balance of [redacted] loan still outstandingTo assist Ms [redacted] in setting up payment options she may contact a Customer Service Representative at X-XXX-XXX-XXXXGVL also provides information about payment options and other common questions on its FAQ page located on its website at https://www.goldenvalleylending.com/FAQ/FAQ.aspx GVL is pleased to be able to assist [redacted] consumer in this manner, although it is under no legal obligation to do soGVL, which is located on sovereign land of [redacted] Habematolel Pomo [redacted] , a federally recognized Indian tribe, is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted]
August 21, Revdex.com [redacted] RE: [redacted] # [redacted] Dear Revdex.com: Golden Valley Lending, Inc(“GVL”) is in receipt of your letter dated August 15, in reference to the complainant identified above GVL has a documented process in place for identity theft allegations and has placed the account on hold, sent [redacted] an ID Theft report form and affidavit for him to complete and file with his local law enforcement, revoked all authorizations, and placed the contact information on a do-not-call listWhile GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows the above procedures to minimize the impact to the consumerGVL requires more than a customer simply stating that they did not apply for a loan to complete its investigation Once GVL has received the additional information from the affidavit and police report, GVL will investigate the matterIf it is determined that [redacted] is a victim of identity fraud, GVL will take the following steps: · His name/account will be flagged to prevent a new loan from being established · The loan balance will be written off · A response will be sent to the customer notifying them of the actions taken and confirming the loan balance has been written off GVL is pleased to be able to assist the consumer in this mannerGVL is located on sovereign land of the [redacted] ***, which is a federally recognized Indian tribeIt is licensed by the [redacted] to make small loansThe GVL loan agreement and website contain all disclosures required by [redacted] and federal law and make it clear that all transactions are governed by [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and the [redacted] *** possesses, all of which are expressly reserved Sincerely, Compliance Department
Initial Business Response / [redacted] (1000, 5, 2015/06/22) */ June 17, SENT VIA E-MAIL TO: [redacted] @Revdex.comemail.org Revdex.com Broadway, Suite Oakland, CA XXXXX RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated June 8, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, [redacted] following determination was made Mr [redacted] claims that he did not take out [redacted] $loan that was funded on April 20, GVL has sent Mr [redacted] an e-mail to [redacted] address listed in [redacted] complaint containing a copy of [redacted] contract and a copy of a complaint form to aid him with filing a police report When GVL receives [redacted] completed form and police report, then [redacted] following will happen: [redacted] customer's name/account is flagged to prevent a new loan from being established Any existing ACH/EFT authorizations are cancelled and no further electronic funds transfers are made from customer's account [redacted] loan balance is written off A response is sent to [redacted] customer notifying them of [redacted] actions taken and confirming [redacted] loan balance has been written off Mr [redacted] 's account has been placed on hold for days in order to allow him time to complete [redacted] complaint form and file a police report and send it to GVLWhile GVL cannot control [redacted] amount of fraudulent applications or identity theft, it does follow its procedures to minimize [redacted] impact to [redacted] consumer and correct [redacted] issues as soon as they are found GVL is pleased to be able to assist [redacted] consumer in this manner, although it is under no legal obligation to do soGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by [redacted] tribal law of [redacted] Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/23) */ ( [redacted] consumer indicated he/she DID NOT accept [redacted] response from [redacted] business.) In fact they did not send me [redacted] documentation stated above and upon receipt of documentation of said loan agreement as well as documentation that money changed hands(in other words, a cancelled check, wire transfer,etc.), then I will be happy to pursue this matter furtherAt this point, there seems to be no evidence whatsoever that any such loan ever occurred Respectfully, [redacted] Final Business Response / [redacted] (4000, 9, 2015/07/13) */
Initial Business Response / [redacted] (1000, 7, 2015/12/29) */ RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated December 14, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, it was determined that Ms [redacted] 's information was submitted to GVL by electronic application but no loan was ever funded because she informed GVL that she did not apply GVL has sent Ms [redacted] information about identity fraud and flagged her name in its system to prevent a new loan from being established in [redacted] future and to prevent her from receiving phone calls from GVL While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows procedures to minimize [redacted] impact to [redacted] consumerGVL is pleased to be able to assist [redacted] consumer in this mannerGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 9, 2016/01/11) */ RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated November 16, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, it was determined that Mr [redacted] 's information was submitted to GVL by electronic application but no loan was ever funded because he informed GVL that he did not apply GVL has sent Mr [redacted] information about identity fraud and flagged his name in its system to prevent a new loan from being established in [redacted] future and to prevent him from receiving phone calls from GVL While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows procedures to minimize [redacted] impact to [redacted] consumerGVL is pleased to be able to assist [redacted] consumer in this mannerGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely,
Initial Business Response / [redacted] (1000, 5, 2015/07/28) */ RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated July 17, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, GVL does not agree with Ms [redacted] 's claimMs [redacted] applied for a $loan, which was funded on [redacted] 12, [redacted] terms of [redacted] loan, [redacted] payment schedule, finance charges and [redacted] annual APR were disclosed to Ms [redacted] in her loan contract, and she signed [redacted] contract and agreed to [redacted] terms of [redacted] loan before GVL issued [redacted] funds to herFurther, all GVL agents are required to inform customers that their loans are structured on a 20-payment schedule, and that they [redacted] pay additional principal or pay their loan off in full at any time without penalty GVL has removed ACH Authorization as requested by Ms [redacted] in her e-mails to GVL dated July and July 16, Although GVL disagrees with Ms [redacted] 's assertions, GVL is committed to customer service and has marked [redacted] account paid in full and will not collect any further payment on Ms [redacted] 's accountHowever, GVL will not issue a refund as payments made were in accordance with [redacted] customer's loan agreement GVL is pleased to be able to assist [redacted] customer in this manner, although it is under no legal obligation to do soGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by [redacted] tribal law of [redacted] Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/29) */ ( [redacted] consumer indicated he/she ACCEPTED [redacted] response from [redacted] business.) I am disappointed with no refund but I am pleased this nightmare is over
Initial Business Response / [redacted] (1000, 5, 2015/07/08) */ See attached Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/09) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept the terms given
Initial Business Response / [redacted] (1000, 7, 2016/01/11) */ RE: [redacted] #XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc(GVL) is in receipt of your communication dated December 17, 2015, and [redacted] follow up dated January 4, in reference to [redacted] complainant identified aboveWe apologize for [redacted] delayed response Based on GVL's careful of [redacted] notes on [redacted] account and [redacted] complaint itself, GVL does not agree with Mr [redacted] 's claim that GVL is illegal in his stateGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by [redacted] tribal law of [redacted] Habematolel Pomo [redacted] Mr [redacted] applied for a $1,loan, which was funded on April 22, [redacted] terms of [redacted] loan, [redacted] payment schedule, finance charges and [redacted] annual APR were disclosed to Mr [redacted] in his loan contract, and he signed and agreed to [redacted] terms of [redacted] loan before GVL issued [redacted] funds to himFurther, all GVL agents are required to inform customers that their loans are structured on a 20-payment schedule, and that they may pay additional principal or pay their loan off in full at any time without penalty However, GVL is committed to customer service and therefore agrees to waive [redacted] finance fees for [redacted] remainder of [redacted] loanGVL's complaint resolution [redacted] has contacted Mr [redacted] via e-mail and informed him of its decision and encouraged him to contact customer service at XXX-XXX-XXXX to arrange a payment planGVL is pleased to be able to assist [redacted] consumer in this manner, although it is under no legal obligation to do so In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [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 meSincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/11/02) */ RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated October 21, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, it was determined that Ms [redacted] 's information was submitted to GVL by application but no loan was ever funded because she informed GVL that she did not apply GVL has sent Ms [redacted] information about identity fraud and flagged her name in its system to prevent a new loan from being established in [redacted] future and to prevent her from receiving phone calls from GVL While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows procedures to minimize [redacted] impact to [redacted] consumerGVL is pleased to be able to assist [redacted] consumer in this mannerGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted]
Golden Valley Lending, Inc [redacted] October 10, Revdex.com [redacted] RE: [redacted] # [redacted] Dear Revdex.com: Golden Valley Lending, Inc(GVL) is in receipt of your communication dated October 4, in reference to the complainant identified aboveAfter reviewing the notes on the account and the complaint itself, GVL disagrees with [redacted] 's assertions [redacted] applied for a $loan, which was funded on March 14, The terms of the loan, the payment schedule, finance charges and the annual APR were disclosed to [redacted] in the loan contract, and it was signed and the terms of the loan were agreed to before GVL issued the fundsFurther, all GVL agents are required to inform customers that their loans are structured on a 20-payment schedule, and that they may pay additional principal or pay their loan off in full at any time without penalty GVL is committed to customer service, so it has marked the account paid in full and will not collect any further payment on her account GVL is pleased to be able to assist the consumer in this manner, although it is under no legal obligation to do soGVL is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe GVL loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance DepartmentTell us why here
Golden Valley Lending, Inc [redacted] April 21, Revdex.com Broadway, Suite Oakland, CA RE: [redacted] *** # [redacted] Dear Revdex.com: Golden Valley Lending, Inc(GVL) is in receipt of your communication dated April 13, in reference to the complainant identified aboveAfter reviewing the notes on the account, the phone calls, and the complaint itself, GVL disagrees with ** [redacted] assertions** [redacted] applied for her second loan with GVL, in the amount of $800, which was funded on March 31, The terms of the loan, the payment schedule, finance charges, and terms and conditions for paying the loan off early were disclosed to ** [redacted] in the loan contract; ** [redacted] had the opportunity to review the loan contract and payment schedule before it was signed, and she signed the contract before GVL issued the funds GVL has acted in accordance with the loan agreement to which ** [redacted] agreedGVL is committed to excellent customer service, however, and will accept repayment of the principal only** [redacted] should call GVL’s customer service department to set up a repayment schedule; per her states wishes she has been added to GVL’s do-not-call list GVL is pleased to be able to assist the consumer in this manner, although it is under no legal obligation to do soGVL is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe GVL loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department Tell us why here
Golden Valley Lending, Inc [redacted] August 30, Revdex.com [redacted] RE: [redacted] # [redacted] Dear Revdex.com: Golden Valley Lending, Inc(GVL) is in receipt of your communication dated August 19, in reference to the complainant identified aboveAfter reviewing and investigating the complaint, GVL disagrees with [redacted] assertionsGVL does not report to TeletrackGVL's attempts to contact Teletrack directly failed because GVL does not have a relationship with them GVL would be happy to investigate further if [redacted] would provide GVL with documentation of the report that she is referencing, or reach out to Teletrack and ask them to contact GVLWithout more information, there is nothing further that GVL can do to resolve this complaintGVL acknowledges that [redacted] paid off her loan in full and was a good customer GVL is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe GVL loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance DepartmentTell us why here
Final Consumer Response / [redacted] (2000, 6, 2015/07/01) */ [redacted] business has worked with me satisfactorily to close this disputeI am happy with [redacted] outcome
Initial Business Response / [redacted] (1000, 5, 2015/07/27) */ July 23, Sent Via E-mail to: [redacted] @Revdex.comemail.org Revdex.com Broadway, Suite Oakland, CA XXXXX RE: [redacted] #XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated July 13, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, [redacted] following determination was made Ms [redacted] applied for a loan of $600, which was funded on December 19, [redacted] terms of [redacted] loan, [redacted] payment schedule, finance charges and [redacted] annual APR were disclosed to Ms [redacted] in her loan contract, and she signed [redacted] contract and agreed to [redacted] terms of [redacted] loan before GVL issued [redacted] funds to herConsequently, GVL disagrees with Ms [redacted] 's assertionsMs [redacted] 's account has been marked paid in full and no further payments are requiredGVL will not issue a refund as payments made were in accordance with [redacted] customer's loan agreement GVL, which is located on sovereign land of [redacted] Habematolel Pomo [redacted] , a federally recognized Indian tribe, is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by [redacted] tribal law of [redacted] Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted] Resolution
Initial Business Response / [redacted] (1000, 7, 2015/08/18) */ August 11, Sent Via E-mail to: [redacted] @Revdex.comemail.org Revdex.com Broadway, Suite Oakland, CA XXXXX RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated July 31, Based on GVL's careful review of [redacted] notes on [redacted] account, [redacted] recorded telephone calls, and [redacted] complaint itself, GVL does not agree with Ms [redacted] 's claims and finds them to be without meritMr [redacted] applied for his loan of $600, which was funded on January 30, Ms [redacted] approved all payments that GVL took out of her account prior to [redacted] payments going throughGVL did not have a glitch in its system causing duplicate payments, nor did any agent state that this was [redacted] caseRather [redacted] payments were scheduled, valid, and approved by Ms [redacted] on July 9, to come out on July 10, and July 24, 2015, which is when [redacted] payments were processedTherefore, GVL denies Ms [redacted] 's request for a refund as [redacted] payments made were owed and there is nothing to refund GVL, which is located on sovereign land of [redacted] Habematolel Pomo [redacted] , a federally recognized Indian tribe, is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/10/30) */ RE: [redacted] # XXXXXXXX Dear Revdex.com: Golden Valley Lending, Inc("GVL") is in receipt of your letter dated October 21, in reference to [redacted] complainant identified aboveBased on GVL's careful review of Ms***'s account and her payment history, GVL does not agree with her claimMs [redacted] applied for a $loan, which was funded on May 4, [redacted] terms of [redacted] loan, [redacted] payment schedule, finance charges and [redacted] annual APR were disclosed to Ms [redacted] in her loan contract, and she signed [redacted] contract and agreed to [redacted] terms of [redacted] loan before GVL issued [redacted] funds to her GVL disagrees with Ms***'s assertions, and denies Ms***'s request for a refund because GVL acted in accordance with [redacted] agreementHowever, GVL is committed to customer service and has waived [redacted] remaining balance owed by Ms [redacted] and nothing further is owedGVL has contacted Ms [redacted] via email and informed her of its decision to waive [redacted] balance owed GVL is pleased to be able to assist [redacted] consumer in this manner, although it is under no legal obligation to do soGVL is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] GVL loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by [redacted] tribal law of [redacted] Habematolel Pomo [redacted] In responding to this complaint, GVL notes and reserves these objections, as well as all othersGVL has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that GVL and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted]