Golden Valley Lending,Inc.

Initial Business Response /* (1000, 5, 2015/07/08) */
See attached
Initial Consumer Rebuttal /* (2000, 7, 2015/07/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the terms given

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I never stated Tele track . However if phone conversations are indeed recorded then you will hear your own worker telling me how golden valley negatively reported me due to my contract being broken and early pay off . 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 me. Sincerely, [redacted]

Initial Business Response /* (1000, 7, 2015/08/18) */
August 11, 2015
Sent Via E-mail to: [redacted]@Revdex.comemail.org
Revdex.com
1000 Broadway, Suite 625
Oakland, CA XXXXX
RE: [redacted]
# XXXXXXXX
Dear Revdex.com:
Golden Valley Lending, Inc. ("GVL") is in receipt of your letter dated July 31, 2015....

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 merit. Mr. [redacted] applied for his loan of $600, which was funded on January 30, 2015.
Ms. [redacted] approved all payments that GVL took out of her account prior to [redacted] payments going through. GVL did not have a glitch in its system causing duplicate payments, nor did any agent state that this was [redacted] case. Rather [redacted] payments were scheduled, valid, and approved by Ms. [redacted] on July 9, 2015 to come out on July 10, 2015 and July 24, 2015, which is when [redacted] payments were processed. Therefore, 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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 /* (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, 2015 in reference to [redacted] complainant identified above. After reviewing [redacted] notes on [redacted] account and [redacted] complaint itself,...

GVL does not agree with Ms. [redacted]'s claim. Ms. [redacted] applied for a $600 loan, which was funded on [redacted] 12, 2015. [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. Further, 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 15 and July 16, 2015. 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 account. However, 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 so. GVL is located on sovereign land of [redacted] Habematolel Pomo [redacted], which is a federally recognized Indian tribe. It 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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 /* (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 /* (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, 2015 in reference to [redacted] complainant identified above. After 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] consumer. GVL is pleased to be able to assist [redacted] consumer in this manner. GVL is located on sovereign land of [redacted] Habematolel Pomo [redacted], which is a federally recognized Indian tribe. It 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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 /* (1000, 5, 2015/06/22) */
June 17, 2015
SENT VIA E-MAIL TO: [redacted]@Revdex.comemail.org
Revdex.com
1000 Broadway, Suite 625
Oakland, CA XXXXX
RE: [redacted]
# XXXXXXXX
Dear Revdex.com:
Golden Valley Lending, Inc. ("GVL") is in receipt of your letter dated June 8, 2015 in reference...

to [redacted] complainant identified above. After 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] $700 loan that was funded on April 20, 2015. 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 30 days in order to allow him time to complete [redacted] complaint form and file a police report and send it to GVL. While 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 so. GVL is located on sovereign land of [redacted] Habematolel Pomo [redacted], which is a federally recognized Indian tribe. It 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing
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 /* (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 further. At this point, there seems to be no evidence whatsoever that any such loan ever occurred.
Respectfully,
[redacted]
Final Business Response /* (4000, 9, 2015/07/13) */

Initial Business Response /* (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, 2015 in reference to [redacted] complainant identified above. After 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] consumer. GVL is pleased to be able to assist [redacted] consumer in this manner. GVL is located on sovereign land of [redacted] Habematolel Pomo [redacted], which is a federally recognized Indian tribe. It 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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 /* (1000, 7, 2015/10/19) */
October 5, 2015
Sent Via E-mail to: [redacted]@Revdex.comemail.org
Revdex.com
1000 Broadway, Suite 625
Oakland, CA XXXXX
RE: [redacted]
# XXXXXXXX
Dear Revdex.com:
Golden Valley Lending, Inc. ("GVL") is in receipt of your letter dated October 1, 2015 in...

reference to [redacted] complainant identified above. Based on GVL's careful review of Ms. [redacted]'s account and her payment history, GVL does not agree with her claim. Ms. [redacted] applied for an $800 loan, which was funded on July 7, 2015. [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. Additionally, a GVL agent explained [redacted] loan terms to Ms. [redacted] prior to funding [redacted] loan.
Therefore, GVL disagrees with Ms. [redacted]'s assertions, and considers [redacted] balance of [redacted] loan still outstanding. To assist Ms. [redacted] in setting up payment options she may contact a Customer Service Representative at X-XXX-XXX-XXXX. GVL 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 so. 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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 /* (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, 2015 in reference to [redacted] complainant identified above. After 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] consumer. GVL is pleased to be able to assist [redacted] consumer in this manner. GVL is located on sovereign land of [redacted] Habematolel Pomo [redacted], which is a federally recognized Indian tribe. It 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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 /* (1000, 7, 2015/10/30) */
RE: [redacted]
#XXXXXXXX
Dear Revdex.com:
Golden Valley Lending, Inc. ("GVL") is in receipt of your letter dated September 30, 2015 in reference to [redacted] complainant identified above. After reviewing [redacted] notes on [redacted] account and [redacted] complaint...

itself, it was determined that Mr. [redacted]'s information was submitted to GVL by application and a $1,000 loan in his name was funded on August 31, 2015. [redacted] loan contract was electronically signed on [redacted] same day. [redacted] application data contained his name, address, banking, and employer information. Upon receipt, GVL submitted [redacted] application data for verification which is part of [redacted] company's regular underwriting approval process. [redacted] information in [redacted] application passed [redacted] and verification. Because his data passed [redacted] verification process, [redacted] 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 [redacted] 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 [redacted] contact information on a do-not-call list. GVL has placed this account on hold for 30 days to provide Mr. [redacted] time to complete and return [redacted] ID Theft form and affidavit. Once this is received, GVL will investigate [redacted] matter. If it is determined that Mr. [redacted] is a victim of identity fraud, GVL will take [redacted] 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 notifying him 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] consumer. GVL is pleased to be able to assist [redacted] consumer in this manner. GVL is located on sovereign land of [redacted] Habematolel Pomo [redacted], which is a federally recognized Indian tribe. It 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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 /* (3000, 9, 2015/11/03) */
([redacted] consumer indicated he/she DID NOT accept [redacted] response from [redacted] business.)
GVL forwarded my call to [redacted] complaint office to a cell phone number in Kansas, same location as [redacted] origin of [redacted] letter that initiated my response of fraud and identity theft, and [redacted] number was to a person who returned my call saying she knew nothing of me, my account or GVL.
Further GVL will not send me federally required documentation, as required by law: [redacted] loan document, [redacted] electronic signature, and [redacted] credit report materials by which [redacted] loan was fraudulently approved.
Final Business Response /* (4000, 11, 2015/11/09) */
RE: [redacted]
#XXXXXXXX
Dear Revdex.com:
Golden Valley Lending, Inc. ("GVL") received [redacted] completed Identity Theft Victim's Complaint and Affidavit form and police report on November 2, 2015. As GVL stated that it would in its response dated October 26, 2015, it has taken [redacted] following steps:
[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 has been written off.
A response is sent to [redacted] customer containing [redacted] Loan Agreement as requested, and notifying them of [redacted] actions taken and confirming [redacted] loan balance has been written off.
GVL is pleased to be able to assist [redacted] consumer in this manner, although it is under no legal obligation to do so. GVL is located on sovereign land of [redacted] Habematolel Pomo [redacted], which is a federally recognized Indian tribe. It 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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]
Final Consumer Response /* (4200, 13, 2015/11/10) */
([redacted] consumer indicated he/she DID NOT accept [redacted] response from [redacted] business.)
GVL forwarded my call to [redacted] complaint office to a cell phone number in Kansas, same location as [redacted] origin of [redacted] letter that initiated my response of fraud and identity theft, and [redacted] number was to a person who returned my call saying she knew nothing of me, my account or GVL.
Further GVL will not send me federally required documentation, as required by law: [redacted] loan document, [redacted] electronic signature, and [redacted] credit report materials by which [redacted] loan was fraudulently approved.

Initial Business Response /* (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, 2015 in reference to [redacted] complainant identified above. Based on GVL's careful review of Ms. [redacted]'s account and her...

payment history, GVL does not agree with her claim. Ms. [redacted] applied for a $500 loan, which was funded on May 4, 2015. [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. [redacted]'s assertions, and denies Ms. [redacted]'s request for a refund because GVL acted in accordance with [redacted] agreement. However, GVL is committed to customer service and has waived [redacted] remaining balance owed by Ms. [redacted] and nothing further is owed. GVL 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 so. GVL is located on sovereign land of [redacted] Habematolel Pomo [redacted], which is a federally recognized Indian tribe. It 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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 /* (1000, 5, 2015/07/27) */
July 23, 2015
Sent Via E-mail to: [redacted]@Revdex.comemail.org
Revdex.com
1000 Broadway, Suite 625
Oakland, CA XXXXX
RE: [redacted]
#XXXXXXXX
Dear Revdex.com:
Golden Valley Lending, Inc. ("GVL") is in receipt of your letter dated July 13, 2015 in reference...

to [redacted] complainant identified above. After 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, 2014. [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. Consequently, GVL disagrees with Ms. [redacted]'s assertions. Ms. [redacted]'s account has been marked paid in full and no further payments are required. GVL 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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 /* (1000, 10, 2015/11/17) */
RE: [redacted]
#XXXXXXXX
Dear Revdex.com:
Golden Valley Lending, Inc. ("GVL") is in receipt of your letter dated September 30, 2015 in reference to [redacted] complainant identified above. After reviewing [redacted] notes on [redacted] account and [redacted] complaint...

itself, it was determined that Ms. [redacted]'s information was submitted to GVL by application and a $1,000 loan in her name was funded on August 18, 2015. [redacted] loan contract was electronically signed on [redacted] same day. [redacted] application data contained her name, address, banking, and employer information. Upon receipt, GVL submitted [redacted] application data for verification which is part of [redacted] company's regular underwriting approval process. [redacted] information in [redacted] application passed [redacted] and verification. Because her data passed [redacted] verification process, [redacted] loan application was approved and funded.
When Ms. [redacted] notified GVL that she did not apply for a loan, GVL took immediate steps to rectify [redacted] matter, including placing [redacted] account on hold, sending an ID Theft report form and affidavit for her to complete and file with her local law enforcement, revoking all authorization, and placing [redacted] contact information on a do-not-call list. GVL also provided Ms. [redacted] a copy of [redacted] loan agreement as requested. GVL has placed this account on hold for 30 days to provide Ms. [redacted] time to complete and return [redacted] ID Theft form and affidavit. Once this is received, GVL will investigate [redacted] matter. If it is determined that Ms. [redacted] is a victim of identity fraud, GVL will take [redacted] following steps:
Her 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] consumer. GVL is pleased to be able to assist [redacted] consumer in this manner. GVL is located on sovereign land of [redacted] Habematolel Pomo [redacted], which is a federally recognized Indian tribe. It 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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, 2017
 
Revdex.com           
[redacted]
 
 RE:  [redacted]
         #[redacted]
 
Dear Revdex.com: 
 
Golden Valley...

Lending, Inc. (“GVL”) is in receipt of your letter dated August 15, 2017 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 list. While GVL cannot prevent fraudulent applications or identity theft, it has implemented and follows the above procedures to minimize the impact to the consumer. GVL 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 matter. If 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 manner. GVL is located on sovereign land of the [redacted], which is a federally recognized Indian tribe. It is licensed by the[redacted] to make small loans. The 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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 /* (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, 2015 in reference to the complainant identified above. After reviewing the notes on the account and the complaint itself, it...

was determined that Mr. [redacted]'s information was submitted to GVL by application and a $1,000 loan in his name was funded on November 4, 2015. The loan contract was electronically signed on November 3, 2015. [redacted] application data contained his name, address, banking, and employer information. Upon receipt, GVL submitted the application data for verification which is part of the company's regular underwriting approval process. The information in the application passed [redacted] and verification. Because 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 list. GVL has placed this account on hold for 30 days to provide Mr. [redacted] time to complete and return the ID Theft form and affidavit. Once this is received, GVL will investigate the matter. If 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] consumer. GVL is pleased to be able to assist the consumer in this manner. GVL is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribe. It is licensed by the Habematolel Pomo [redacted] to make small loans. The 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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 /* (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, 2016. Waiting for report to be completed and mailed to me. GVL sent me paperwork requesting my drivers license number and social security number. I do not feel comfortable in sending that info to them. How secured is their system or is it something that I have to do whether I want to or not. What if I send them the police report number. I am very concern about sending social security and drivers license numbers.
Final Business Response /* (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, 2015 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 email. Once 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] consumer. GVL is pleased to be able to assist [redacted] consumer in this manner. GVL is located on sovereign land of [redacted] Habematolel Pomo [redacted], which is a federally recognized Indian tribe. It 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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

Golden Valley Lending, Inc.
[redacted]
April 21, 2017
 
Revdex.com          
1000 Broadway, Suite 625 
Oakland, CA 94607 
 
RE: [redacted]...


       # [redacted]
 
Dear Revdex.com: 
 
Golden Valley Lending, Inc. (GVL) is in receipt of your communication dated April 13, 2017 in reference to the complainant identified above. After 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, 2017. 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] agreed. GVL 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 so. GVL is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribe. It is licensed by the Habematolel Pomo of Upper Lake to make small loans. The 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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, 2016
 
Revdex.com...

                                        ...⇄
[redacted]
[redacted]
 
RE: [redacted]
       # [redacted]
 
Dear Revdex.com:
 
Golden Valley Lending, Inc. (GVL) is in receipt of your communication dated August 19, 2016 in reference to the complainant identified above. After reviewing and investigating the complaint, GVL disagrees with [redacted] assertions. GVL does not report to Teletrack. GVL'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 GVL. Without more information, there is nothing further that GVL can do to resolve this complaint. GVL 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 tribe. It is licensed by the Habematolel Pomo of Upper Lake to make small loans. The 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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...

Initial Business Response /* (1000, 7, 2015/06/23) */
June 11, 2015
SENT VIA E-MAIL TO: [redacted]@Revdex.comemail.org
Revdex.com
1000 Broadway, Suite 625
Oakland, CA XXXXX
RE: [redacted]
# XXXXXXXX
Dear Revdex.com:
Golden Valley Lending, Inc. ("GVL") is in receipt of your letter dated May 29, 2015 in...

reference to [redacted] complainant identified above. After 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] $700 loan that was funded on April 17, 2015. GVL has sent Mr. [redacted] an e-mail 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 30 days in order to allow him time to complete [redacted] complaint form and file a police report and send it to GVL. While 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 so. GVL is located on sovereign land of [redacted] Habematolel Pomo [redacted], which is a federally recognized Indian tribe. It 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 others. GVL has not and does not intend to waive its sovereign immunity. Nothing 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]
Final Business Response /* (4000, 10, 2015/07/06) */