Dear Sir/Ma,My name is *** ***I filed a complain against *** *** *** *** I am replying according to the letter which, I received through Revdex.com in regard to this matter.I have been their customer for more than yearsThe only time they charged me $was when I didn’t understand how their loan services work and I paid lateI was charged the $and since then, I always pay back on time so that, I will not be charged late payment or interest feesWhen you borrow the moneyYou have to pay back on your next paydayThat is what I had been doing in order to avoid interest feesThe last $that was loaded on my card was sitting there for a whileI didn’t go and withdraw it from the ATM machineI went to their office to inform them that, the money was still inside the card not withdrawn or spent because I was not sure if they will charge me interest feesI explained, they told me that I was not going to get charge for interest feesIf when I went there, and I was told that, I would get charge for interest feeI would have withdrawn the money and pay it back to themThat time I went to talk to them at their office I was suppose to travelWhile will I borrowed $and will want to pay $back interest fees, I doesn’t make any sense.The $was loaded on 3/24/I took the money out on 5/25/If a credit card company issue a credit card to someone and the credit is not useThey will not mail you a bill and you will not charge for interestThe day I wanted to take the at the ATM machine, I had problems with the ATM giving out the money and the ATM machine had already charged transaction feesI called *** *** and they said that, they will waved the fees charge by the machine After taking the money out, I went to their office to make the payment I was told by the cashier that, it was only $payment that was due to be paid backWhile not tell me that, if you don’t pay the whole $you will be charged interestFor their own interest gain I was not told that.When I went back to make full paymentI thought that I would be paying $180.00!Then cashier told me that, I had to pay $back and also $in interest feesSo I went to my bank and withdraw extra money and paid everythingIf I didn’t pay the whole money including the interest fees they will continue to be charging me more moneyI requested to talk to their manager and told her that, I was not being treated fairlyShe started with all kinds of explanation and I said that, when I came to their office to find out if I would be charged with interest for keeping the money inside the loaded card, I was told that, they was not going to be any interest feesI told her that, I will report the business bureauI asked her to print me to loaded and the payment history for that particular transaction so that, I can know when the loan card was loaded and when I withdrawn the money from the ATM machineIt was after she printed the information and gave it to me that, I told her that, I will report their businessThe complaint ID ***According to your investigationThe letter that you sent to me quoted by *** ***Our records show, as of today’s date, Ms*** account has been paid in full and have determined no refund is to be issued to herThis statement is all liesI never went back went to their office or talk to them over the telephone since I complained or payed the money to themI also read in this reply that *** *** claimed that; this matter went to collections dept on May 14th I did not receive any letter from any collection dept and also I did not get the $out of ATM machine on till May 17th These copy papers will show when the $was loaded into the card and when I withdrawn $form the ATM machine.I did not received any letter that, this transaction went to any collection agent and no one from *** *** called me or reminded me about paying the loan backI went there by myself to make the payment.If any collection agency was involved in this matter I supposed to received letters and phone calls form such agency and *** *** such things did not happenedThey need to produce such agency letterI know that, they will go and make one upLet them produce the phone conversations between *** *** and me or between me and the agencyThey said these to cover themselves up.I want my refund backI was not treated fairly and I was charged unnecessary interest fees by *** ***Sometimes I go and make payment before my payday when I have money.Yours sincerely,*** ***
Thank you for the opportunity to respond to the recently filed complaint by Mr*** ** ***Cash Central of Missouri, LLC (“Cash Central”) appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for youTo summarize his
complaint, Mr*** states that a fraudulent loan was obtained by someone who had stolen his identity. Mr*** adds he tried to contact Cash Central several times with no successMr*** is upset because he received his ID theft package days after he spoke with an agent, and the package requested he send a police report and other documents within days. Mr*** states days is not enough time, and he should not be responsible for a loan that he never applied forMr*** requests for Cash Central to admit this is not his loan and to email or call him back to resolve the matter A search of our records determined an Installment Loan in Mr***'s name was obtained on September 6, 2017, in the amount of $2,500.00, with bi-weekly payments, and a maturity date of September 13, Mr*** did not meet his financial obligation, and his account defaulted into Cash Central’s Collections Department on October 2, 2017. On October 13, 2017, Mr*** contacted Cash Central to claim identity theft and initiated the Identity Theft Process with Cash Central’s Fraud Department. On October 16, 2017, Mr*** was provided with an “ID Theft Packet,” via email, which included instructions to complete the Federal Trade Commission Identity Theft Affidavit form, filing a police report and instructions to return the documents with a copy of his government-issued ID within daysOn October 23, Mr*** contacted the Customer Resolution department claiming he never received the email. The Fraud department resent the email on November 1, Cash Central received the required documents from Mr*** on November 28, and concluded the investigation with verified identity theft on November 29, Mr***’s account was closed, and Cash Central will not undertake any effort to collect on the debt from Mr***Cash Central has requested the credit reporting agencies to remove any information concerning this loan from Mr***'s fileCash Central has notified Mr*** about the findings of this investigation with a letter sent to his email addressThe ID Theft letter is attached to this response for your reviewShould Mr*** or the Revdex.com, have any additional questionsplease contact me directly at ***@ccfi.com
Please find attached a copy of the letter sent to Ms*** on September 8, We have sent a copy to her address provided in her complaint.Should she have additional questions or concerns she can contact me directly at ###-###-####
Thank you for the opportunity to respond to the recently filed complaint of *** ***. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same hereinUsing the information provided by Mr*** in his complaint, Community
Choice Financial has no record of him as a customer at any of our locations It appears that he may have been the victim of a scam companyWe did some further research and learned that the Federal Trade Commission (“FTC”) is aware of scams against consumers similar to that described by Mr*** in his complaint At this time, I would encourage him to contact the FTC for further assistance, information, and to discuss his concernsThe FTC can be reached at 1-877-FTC-HELP (382-4357), and they may be able to provide Mr*** with additional information about these types of scams and assist him in resolving any other concerns or answer any other questions that he might have
Thank you for the opportunity to respond to the recently filed complaint of *** ***. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same hereinIn reviewing our records, Cash Central received Ms***'s application
information for a consumer payday loan on November 10, 2015. The application however was declinedUnder the terms of the Fair Credit Reporting Act, Cash Central can obtain credit report information regarding customers without permission because (1) the information was in connection with a credit transaction involving the customer and involved the extension of credit, and (2) Cash Central otherwise had a legitimate business need for the informationIn reviewing our records, on December 18, 2015, Cash Central received correspondence from Ms***, regarding an “unauthorized and potential fraudulent request on her credit report”. As the application appeared to be a result of identity theft, the request to remove the inquiry was sent to the credit reporting agencies on January 4, Cash Central has sent another request to remove the inquiry to the credit reporting agencies and they will process the request in due courseWe have been advised that changes made to credit reports can take up to thirty days for the credit bureaus to processWe appreciate Ms***’s patience while her credit report is updated. Cash Central apologizes for the inconvenience this may have caused Ms***, such fraudulent activity benefits neither the consumer nor industryShould Ms*** have any additional questions, I can be reached by phone at ###-###-#### or by email at ***
Thank you for the opportunity to respond to the recently filed complaint of Mr*** ***. We appreciate the role the Revdex.com serves in resolving consumer concernsIn his complaint, Mr*** states that he was treated rudely by representatives of California Check
Cashing Stores, LLC (“CCCS”) corporate collections departmentWe apologize to Mr*** for any perceived mistreatment he feels that he received. We value our customers and are regretful when we fail to deliver the level of service that they expect. I have reviewed the available call recordings associated with Mr***’s account and agree that the calls fail to meet the level of service we expectPlease know as a result of the complaint the employees involved have received appropriate counselingIn order that Mr*** can resolve his obligation, please ask him to contact Dan P*** Assistant Manager in our collections area to make arrangements for payment of his outstanding account balance. MrP*** can be reached at ###-###-####, extension Should the Revdex.com or Mr*** have any additional questions, I can be contact directly by phone at ###-###-#### or by email at ***@ccfi.com
The information I am disputing is listed in my Transunion Credit Report I have attached proof that it is showing a balance, monthly due amount, despite being a charge-off
Thank you for the opportunity to respond to the recently filed complaint of Ms*** ***We appreciate the role the Revdex.com serves in resolving consumer concerns and are happy to provide this response to youIn reviewing Ms***’s account, our records show that on January 15, 2016, a loan
in the amount of $1,was obtained with Cash Central of Idaho, LLC (“Cash Central”)Cash Central offers its loans in Rhode Island via the Idaho Department of Finance, where it is licensed as a Regulated Lender and Payday Lender and regulated therebyThis was a payment Installment loan with Biweekly payments of $and payment of $218.31. Cash Central received payments of $toward the balanceOn April 26, 2016, Ms*** elected to refinance her loan, adding $to the balance. This changed Ms***’s Biweekly payments to $Cash Central received payments of $toward the balanceOn June 16, 2016, Ms*** elected to refinance her loan, adding $to the balance. This changed Ms***’s Biweekly payments to $203.65. Cash Central received payments of $toward the balanceOn September 16, 2016, Ms*** elected to refinance her loan, adding $to the balance. This changed Ms***’s Biweekly payments to $144.10. Cash Central received payments of $and payment of $toward the balanceOur records reflect on March 28, 2017, Ms***’s account went into a past due status and on March 31, 2017, as authorized in the loan contract, Cash Central processed an Electronic Funds Transfer (“EFT”) for the past due balance of $144.10, which returned unpaid on April 4, On April 7, 2017, Ms***’s scheduled recurring payment of $was processed as normal, as there is no record of receiving a request from Ms*** to stop the automatic payments. This payment returned unpaid on April 11, On April 11, 2017, upon receiving Ms***’s complaint, all future recurring payments were disabled, and no more automatic withdrawals have been processed from her bank accountIn the spirit of customer good will, Cash Central has waived the remaining balance on Ms***’s account and it is now marked as paid-in-fullIn response to Ms***’s statement whereas she states, “They now have an additional name that they go under. Is it legal that they were Cash Central and now Community Choice Financial? To clarify, Community Choice Financial, Inc(“CCFI”) is the parent company of Cash CentralShould the Revdex.com or Ms*** have any further questions, please contact me directly at ###-###-#### or via email at ***@ccfi.com
I was not told that the minimum payment was just interestI am certain of this and know that I would not have taken the loan out if I had known thatAnd never, when I made payments, did anyone mention that I might want to pay more to bring down the balanceI truly thought that the payments were set so that part of it was interest and part was going towards the balanceI would refer back to the person that helped me set up the loan but do not believe he is still thereThis was my first time taking out a loan like this and feel that it was assumed that I knew how the payments were set up
Regards, *** ***
Thank you for the opportunity to respond to the recently
filed complaint of *** *** We appreciate the role the RevDex.com serves in resolving consumer concerns
According to our records, Ms*** requested an Auto
Title Loan with Buckeye Check Cashing Stores of Arizona,
Inc(“CheckSmart”) on
April 4,
In her complaint, Ms*** appears to express
dissatisfaction with the way payments are applied to her loan balance. Ms***’s Auto Title Loan involves
borrowing a set amount that she has agreed to re-pay in a single
installment. Please understand that these types of loans are not intended to meet
long-term needs; however, we do offer customers the option to pay just the
accrued interest on their loan and, when doing so, the customer is essentially
refinancing their loan to extend the timeframe within which they must make
payment in full.
Ms*** elected to refinance and enter into new loan agreements
each time rather than paying her loan off in full
CheckSmart feels confident it was explained to Ms*** that
when refinancing her loan, the payment goes to interest only, and that she was
given the option to pay extra toward the principle balance. In addition, the contracts were reviewed
with her and she was also provided with a copy
It has been determined that
no further course of action is required
Should you or Ms*** have
any additional questions, I can be contact directly by phone at ###-###-#### or
via email at ***
Thank you for the opportunity to respond to the recently filed complaint by Mr*** ***Cash Central of California, LLC (“Cash Central”) appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for youTo summarize his
complaint, Mr*** states that he has been getting the run around over the past two months with Cash Central regarding his final payments on his installment loan. He claims he has been transferred several times within the Collections department only to be eventually hung up on. When he has spoken to a representative within the Collections department they take his information for his payment, however his banking information on record was incorrect which resulted in no payment being processed. Mr*** would like for his account to reflect the correct amount of payments and to be closed. A search of our records determined that on October 16, 2016, Mr*** accepted an installment loan with Cash Central in the amount of $with a maturity date of October 17, 2018. Mr*** had been making payments as expected in his loan agreement, however, in August he fell behind on a payment, and his account went into default statusWhen a customer defaults on a payment, the account is then turned over to the in-house Collections department in an effort to help the customer get back into good standing. Therefore, when Mr*** would make payments with the Collections department, it would take five to ten business days to reflect in the payment systemAs a result, when Mr*** would live-chat or call the next day after making a payment, the agent was not able to see any recent payments due to not being in the Collections department with access to their systemCash Central would like to apologize for any confusion this has caused and is happy to confirm Mr***’s account has been paid in fullWe appreciate Mr*** for allowing us to be his Payday and Installment Loan lender and encourage him to apply online for more funds in the future. Should Mr*** or the Revdex.com, have any additional questions, please contact me directly at ***@ccfi.com
Thank you for the opportunity to respond to the recently filed complaint by Ms*** ***Buckeye Credit Solutions, LLC (“CheckSmart”) appreciates the role the Revdex.com serves in resolving consumer concerns and we are happy to provide this response for youIn summarizing her
complaint, Ms*** states she would like her loan to be considered as paidA review of our records determined Ms*** obtained a loan on November 10, 2017, in the amount of $and a Credit Services Organization (CSO) fee of $251.00, for a total of payments of $Her first three scheduled payments were December 2, 2017, January 3, 2018, and February 2, 2018, each in the amount of $62.13, with a final balloon payment of $due March 3, 2018.Ms*** elected to pay $on each of her first payment dates, reducing her last payment to $CheckSmart feels confident that during the application process, Ms*** was made well aware of the costs associated with this loanAs part of this process of requesting a loan, consumers are presented with the contract which includes the Federal Truth in Lending Disclosures, where the APR, finance charge, amount financed, and total of payments is presentedFurther, the contract must be reviewed before the loan is signedAs courtesy reminder, Ms***’s next payment of $is due on March 3, If Ms*** or the Revdex.com have any questions or concerns, please do no hesitate to contact us at [email protected]
Thank you for the opportunity to respond to the recently filed complaint of Mr*** ***Cash Central of Utah, LLC (“Cash Central”) appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for youTo summarize his complaint, Mr
*** states Cash Central has attempted to collect on a debt that he does not oweHe adds that he filed a police report to support his claim of Identity Theft. Mr*** requests for Cash Central to update its policies and to have this debt removed from his creditA search of our records determined that on July 21, 2017, an Installment Loan with Cash Central was obtained under Mr***’s name in the amount of $1,000.00, with monthly payments of $and a Maturity Date of January 25, Mr*** did not meet his financial obligation, and his account defaulted into Cash Central’s Collections department on August 25, On August 24, 2017, Mr*** contacted Cash Central and began an Identity Theft process with Cash Central’s Fraud DepartmentCash Central would like to thank Mr*** for his cooperation with the Identity Theft process and for providing the required supporting documents (Notarized Affidavit, copy of his police report, and copy of his government-issued ID) to initiate the investigationCash Central’s findings of the Identity Theft investigation have been provided to Mr*** via a letter mailed to the address he provided on his reportThe letter has been attached to this responseIf Mr*** is not satisfied with the results of the investigation, Cash Central encourages him to continue working with his local police department regarding this matter and Cash Central’s Fraud department will continue to cooperate and assist with the law enforcementShould Mr*** or the CFPB have any additional questions or concerns, please contact me directly to ***@ccfi.com
Thank you for the opportunity to respond to the recently filed complaint of *** ***We appreciate the role the Revdex.com serves in resolving consumer concernsIn reviewing our records, on July 29, 2016, Ms*** contacted our Corporate Customer Service Department regarding
this situation and were able to resolve her concernsShould you or Ms*** have any additional questions, I can be contact directly by phone at 435-774-or via email at ***@ccfi.com
Thank you for the opportunity to respond to the recently filed complaint by Ms*** ***lCalifornia Check Cashing, LLC (“CCCS”) appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide you with this responseTo summarize her complaint, Ms
*** states she has requested on multiple occasions not to be contacted at her place of work but she continues to receive callsMs*** adds she is a 9-1-response department supervisor and she is not allowed to receive personal calls due to the nature of the job. Ms*** request the removal of her work phone form our systemA search of our records determined, on December 26, Ms*** obtained a Payday Loan with CCCS for $255.00, with a finance charge of $45.00, and a due date of January 1, Ms*** did not meet her financial obligation and her account was received into CCCS's collections department on January 13, No payment has been received to satisfy this debtOn January 13, 2018, CCCS contacted Ms***’s work phone number and she requested to not be contacted at workMs***’s work phone number was placed on a do-not-contact status; however, a customer service agent contacted her work number once again on January 16, The customer service agent has been addressed regarding this mistakeCCCS apologizes for the inconvenience and would like to assure Ms*** her work phone number has been removed from the systemFurther research shows Ms*** also has a $balance with our sister company Buckeye Check Cashing of California, LLC (“Cash 1”) since April 21, No payment has been received to satisfy this debtMs***’s work phone number has been removed from this account as wellAs a point of clarification, each time Ms*** applies for a new loan, she is provided with a Loan Agreement to review and agree before signing, where she consents to be contacted by us: CUSTOMER COMMUNICATIONS: By your signature below, you expressly consent to be contacted by us, our affiliates, or anyone calling on our behalf for any and all purposes, at any telephone number, or physical or electronic address you provide or at which you may be reachedYou agree we may contact you related to this loan in any way, including calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting systemAutomated messages may be played when the telephone is answered, whether by you or someone elseIn the event that a customer service representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via textMs*** must request to not be contacted at her place of work every time she opens up a new with us or any of our affiliates to avoid further contactShould Ms*** or the Revdex.com have any additional questions or concerns, please contact me directly at [email protected]
Thank
you for the opportunity to respond to the recently filed complaint of *** ***. We appreciate the role the Revdex.com serves in resolving consumer
concerns and hope to address the same herein
According
to our records, Mr*** sought the assistance of Buckeye Credit
Solutions,
LLC (“CheckSmart”), an Ohio Credit Services Organization (“CSO”), in obtaining
a loan with *** *** *** LLC (“NCP”), an Ohio Mortgage Loan Act
licensee. On December 14, 2015, Mr
*** borrowed $255.04, which includes an “Amount Financed” of $and a
“Prepaid Finance Charge” of $55.04. Mr
***’s loan was payable in two installment payments, detailed as follows:
January 2, $
January 16, $
Our
records indicate that Mr*** failed to make his final payment as agreed
and, as a result, his account was referred to CheckSmart’s corporate
collections department. After receiving
Mr***’s defaulted account, on January 21, 2016, CheckSmart initiated an
Electronic Funds Transfer (“EFT”) using the account information he provided
when he signed the loan agreementCheckSmart’s EFT attempt was processed as
authorized in his agreement
In
researching this matter, our records show that on January 21, 2016, Mr
*** spoke to a representative of CheckSmart’s corporate collections
department wanting to pay on February 1, However, this arrangement was
not accepted and the EFT had already been submitted
Mr
*** refers to excessive calls made to him.
When a customer defaults on a loan, it is then referred to the corporate
collections departmentIt is our standard procedure to contact the customer at
the telephone numbers they have provided in an effort to make arrangements with
them to pay the balance on their account.
This contact is made only after obtaining the borrower’s consent to
contact them using the information that they provide. Typically, there is a combination of manual
calls that are made by an internal collections associate in tandem with calls
placed by an automated dialer system.
When either method does not result in a conversation with our customer
within a single 24-hour period, continued attempts are made to reach the
customer
Mr
*** alleges that he was treated rudely by representatives of CheckSmart’s
corporate collections department. I have
reviewed the available call recordings associated with Mr***’s account
and have been unable to validate these claimsHowever, I would like to take
the opportunity to apologize to him for what he might have perceived to be
unacceptable
Our
records as of January 29, show Mr*** account has been paid in full. It has been determined that no further course
of action is required
I
sincerely hope that the response set forth above provides a satisfactory
clarification to this matter. Should you
have any additional questions, please feel free to contact me directly at
###-###-#### or via email at***
Thank you for the opportunity to respond to the recently
filed complaint of *** ***. We
appreciate the role the Revdex.com serves in resolving consumer
concerns
In researching Ms***’s complaint, we uncovered a series
of communications and processing errors between
our retail branch and the
corporate collections departmentWe acknowledge that our representatives did
not handle Ms***’s issue appropriately and agree to accommodate her
desired resolution
CheckSmart has waived the additional fees and the balance
due is $Upon repayment, Ms*** will be able to resume utilizing
our check cashing service
Ms*** can contact Sally M***, a senior supervisor in
our collections area, to make this paymentMsM*** can be reached at
###-###-####, extension ***
We apologize for the inconvenience this may have caused Ms
*** and Ms***.
Should Ms*** have any
additional questions, I can be contact directly by phone at ###-###-####
Thank you for the opportunity to respond to the recently
filed complaint of *** ***. We
appreciate the role the Revdex.com places in resolving consumer
concerns.According to our records, Ms
*** requested a single installment Auto Title Loan with Buckeye Title
Loans
Incfor $on July 21, 2015. The
loan had an agreed-upon repayment date of August 7, 2015. Ms*** failed to pay back her loan by her
due date and, as a result, Buckeye Title’s corporate collections department
initiated an Electronic Funds Transfer (“EFT”) for $on August 14, 2015,
using the account information she provided when she signed her loan agreement
Buckeye Title’s EFT attempt was done in accordance with her agreement.Our records indicate on
August 17, 2015, Ms*** contacted Buckeye Title’s corporate collections
department and was advised that if she made the minimum payment amount of
$to return her account to a good standing before the EFT posted, Buckeye
Title would refund her. However, Ms
*** did not make the said minimum payment so no refund was issued.Should Ms*** have
additional questions she can contact Andrea Vishak, a senior supervisor in our
collections area. MsV*** can be
reached at ###-###-####, extension ***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me since Cash Central has confirmed the existence of fraudulent activity on the May 11, 2015, loan and consequently bought back the debt from *** on February 15, and updated the credit agencies to remove the credit inquiry
Regards,
*** ***
Thank you for the opportunity to respond to the recently filed complaint of Mr*** ***We appreciate the role the Revdex.com serves in resolving consumer concerns and we are happy to provide this response for you.To summarize his complaint Mr*** states he received two (2) e-mails from Cash Central regarding payment for a loan he did not applied forMr*** requests to have this debt removed from his credit and all communication to cease and desist.A search of our records determined that an Installment loan on Mr***’s name was requested with Cash Central of Utah, LLC (“Cash Central”) to be effective August 14, 2017, in the amount of $with bi-weekly payment of $and a maturity date of august 16, On August 29, Mr*** contacted Cash Central to advise us he did not request such loan; however when we attempted to transfer him to our Fraud Department, the call was ended before the transfer could be completed successfullyWe have attempted, without success, to contact Mr*** to the number he providedUpon the receipt of this complaint we have placed Mr***’s account in a “Hold” status to prevent any further activityWe have also mailed our “Identity Theft Package” which consist of a copy the Federal Trade Commission Identity Theft Affidavit form and request he completes and return the form within twenty-one (21) daysMr*** is also requested to provide us with a copy of his police report of the loan fraud listing Cash Central, as well as proof of identity ( a government-issued ID).Cash Central takes identity theft very seriously, and requests Mr.***’s cooperation and patience while we validate his claimIn the event Cash Central does not receive the above documents from Mr*** within days, or the information he provides is incomplete, Cash Central will presume this indicates Mr*** acceptance of the debtCash Central cannot clear the debt from his name unless Mr*** is willing to aid in the prosecution of the identity theft suspect, and until the debt is either paid in full, or proven to be fraudulent.Should the Revdex.com or Mr*** have any additional questions, please contact me directly at [email protected]
Dear Sir/Ma,My name is *** ***I filed a complain against *** *** *** *** I am replying according to the letter which, I received through Revdex.com in regard to this matter.I have been their customer for more than yearsThe only time they charged me $was when I didn’t understand how their loan services work and I paid lateI was charged the $and since then, I always pay back on time so that, I will not be charged late payment or interest feesWhen you borrow the moneyYou have to pay back on your next paydayThat is what I had been doing in order to avoid interest feesThe last $that was loaded on my card was sitting there for a whileI didn’t go and withdraw it from the ATM machineI went to their office to inform them that, the money was still inside the card not withdrawn or spent because I was not sure if they will charge me interest feesI explained, they told me that I was not going to get charge for interest feesIf when I went there, and I was told that, I would get charge for interest feeI would have withdrawn the money and pay it back to themThat time I went to talk to them at their office I was suppose to travelWhile will I borrowed $and will want to pay $back interest fees, I doesn’t make any sense.The $was loaded on 3/24/I took the money out on 5/25/If a credit card company issue a credit card to someone and the credit is not useThey will not mail you a bill and you will not charge for interestThe day I wanted to take the at the ATM machine, I had problems with the ATM giving out the money and the ATM machine had already charged transaction feesI called *** *** and they said that, they will waved the fees charge by the machine After taking the money out, I went to their office to make the payment I was told by the cashier that, it was only $payment that was due to be paid backWhile not tell me that, if you don’t pay the whole $you will be charged interestFor their own interest gain I was not told that.When I went back to make full paymentI thought that I would be paying $180.00!Then cashier told me that, I had to pay $back and also $in interest feesSo I went to my bank and withdraw extra money and paid everythingIf I didn’t pay the whole money including the interest fees they will continue to be charging me more moneyI requested to talk to their manager and told her that, I was not being treated fairlyShe started with all kinds of explanation and I said that, when I came to their office to find out if I would be charged with interest for keeping the money inside the loaded card, I was told that, they was not going to be any interest feesI told her that, I will report the business bureauI asked her to print me to loaded and the payment history for that particular transaction so that, I can know when the loan card was loaded and when I withdrawn the money from the ATM machineIt was after she printed the information and gave it to me that, I told her that, I will report their businessThe complaint ID ***According to your investigationThe letter that you sent to me quoted by *** ***Our records show, as of today’s date, Ms*** account has been paid in full and have determined no refund is to be issued to herThis statement is all liesI never went back went to their office or talk to them over the telephone since I complained or payed the money to themI also read in this reply that *** *** claimed that; this matter went to collections dept on May 14th I did not receive any letter from any collection dept and also I did not get the $out of ATM machine on till May 17th These copy papers will show when the $was loaded into the card and when I withdrawn $form the ATM machine.I did not received any letter that, this transaction went to any collection agent and no one from *** *** called me or reminded me about paying the loan backI went there by myself to make the payment.If any collection agency was involved in this matter I supposed to received letters and phone calls form such agency and *** *** such things did not happenedThey need to produce such agency letterI know that, they will go and make one upLet them produce the phone conversations between *** *** and me or between me and the agencyThey said these to cover themselves up.I want my refund backI was not treated fairly and I was charged unnecessary interest fees by *** ***Sometimes I go and make payment before my payday when I have money.Yours sincerely,*** ***
Thank you for the opportunity to respond to the recently filed complaint by Mr*** ** ***Cash Central of Missouri, LLC (“Cash Central”) appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for youTo summarize his
complaint, Mr*** states that a fraudulent loan was obtained by someone who had stolen his identity. Mr*** adds he tried to contact Cash Central several times with no successMr*** is upset because he received his ID theft package days after he spoke with an agent, and the package requested he send a police report and other documents within days. Mr*** states days is not enough time, and he should not be responsible for a loan that he never applied forMr*** requests for Cash Central to admit this is not his loan and to email or call him back to resolve the matter A search of our records determined an Installment Loan in Mr***'s name was obtained on September 6, 2017, in the amount of $2,500.00, with bi-weekly payments, and a maturity date of September 13, Mr*** did not meet his financial obligation, and his account defaulted into Cash Central’s Collections Department on October 2, 2017. On October 13, 2017, Mr*** contacted Cash Central to claim identity theft and initiated the Identity Theft Process with Cash Central’s Fraud Department. On October 16, 2017, Mr*** was provided with an “ID Theft Packet,” via email, which included instructions to complete the Federal Trade Commission Identity Theft Affidavit form, filing a police report and instructions to return the documents with a copy of his government-issued ID within daysOn October 23, Mr*** contacted the Customer Resolution department claiming he never received the email. The Fraud department resent the email on November 1, Cash Central received the required documents from Mr*** on November 28, and concluded the investigation with verified identity theft on November 29, Mr***’s account was closed, and Cash Central will not undertake any effort to collect on the debt from Mr***Cash Central has requested the credit reporting agencies to remove any information concerning this loan from Mr***'s fileCash Central has notified Mr*** about the findings of this investigation with a letter sent to his email addressThe ID Theft letter is attached to this response for your reviewShould Mr*** or the Revdex.com, have any additional questionsplease contact me directly at ***@ccfi.com
Please find attached a copy of the letter sent to Ms*** on September 8, We have sent a copy to her address provided in her complaint.Should she have additional questions or concerns she can contact me directly at ###-###-####
Thank you for the opportunity to respond to the recently filed complaint of *** ***. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same hereinUsing the information provided by Mr*** in his complaint, Community
Choice Financial has no record of him as a customer at any of our locations It appears that he may have been the victim of a scam companyWe did some further research and learned that the Federal Trade Commission (“FTC”) is aware of scams against consumers similar to that described by Mr*** in his complaint At this time, I would encourage him to contact the FTC for further assistance, information, and to discuss his concernsThe FTC can be reached at 1-877-FTC-HELP (382-4357), and they may be able to provide Mr*** with additional information about these types of scams and assist him in resolving any other concerns or answer any other questions that he might have
Thank you for the opportunity to respond to the recently filed complaint of *** ***. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same hereinIn reviewing our records, Cash Central received Ms***'s application
information for a consumer payday loan on November 10, 2015. The application however was declinedUnder the terms of the Fair Credit Reporting Act, Cash Central can obtain credit report information regarding customers without permission because (1) the information was in connection with a credit transaction involving the customer and involved the extension of credit, and (2) Cash Central otherwise had a legitimate business need for the informationIn reviewing our records, on December 18, 2015, Cash Central received correspondence from Ms***, regarding an “unauthorized and potential fraudulent request on her credit report”. As the application appeared to be a result of identity theft, the request to remove the inquiry was sent to the credit reporting agencies on January 4, Cash Central has sent another request to remove the inquiry to the credit reporting agencies and they will process the request in due courseWe have been advised that changes made to credit reports can take up to thirty days for the credit bureaus to processWe appreciate Ms***’s patience while her credit report is updated. Cash Central apologizes for the inconvenience this may have caused Ms***, such fraudulent activity benefits neither the consumer nor industryShould Ms*** have any additional questions, I can be reached by phone at ###-###-#### or by email at ***
Thank you for the opportunity to respond to the recently filed complaint of Mr*** ***. We appreciate the role the Revdex.com serves in resolving consumer concernsIn his complaint, Mr*** states that he was treated rudely by representatives of California Check
Cashing Stores, LLC (“CCCS”) corporate collections departmentWe apologize to Mr*** for any perceived mistreatment he feels that he received. We value our customers and are regretful when we fail to deliver the level of service that they expect. I have reviewed the available call recordings associated with Mr***’s account and agree that the calls fail to meet the level of service we expectPlease know as a result of the complaint the employees involved have received appropriate counselingIn order that Mr*** can resolve his obligation, please ask him to contact Dan P*** Assistant Manager in our collections area to make arrangements for payment of his outstanding account balance. MrP*** can be reached at ###-###-####, extension Should the Revdex.com or Mr*** have any additional questions, I can be contact directly by phone at ###-###-#### or by email at ***@ccfi.com
The information I am disputing is listed in my Transunion Credit Report I have attached proof that it is showing a balance, monthly due amount, despite being a charge-off
Thank you for the opportunity to respond to the recently filed complaint of Ms*** ***We appreciate the role the Revdex.com serves in resolving consumer concerns and are happy to provide this response to youIn reviewing Ms***’s account, our records show that on January 15, 2016, a loan
in the amount of $1,was obtained with Cash Central of Idaho, LLC (“Cash Central”)Cash Central offers its loans in Rhode Island via the Idaho Department of Finance, where it is licensed as a Regulated Lender and Payday Lender and regulated therebyThis was a payment Installment loan with Biweekly payments of $and payment of $218.31. Cash Central received payments of $toward the balanceOn April 26, 2016, Ms*** elected to refinance her loan, adding $to the balance. This changed Ms***’s Biweekly payments to $Cash Central received payments of $toward the balanceOn June 16, 2016, Ms*** elected to refinance her loan, adding $to the balance. This changed Ms***’s Biweekly payments to $203.65. Cash Central received payments of $toward the balanceOn September 16, 2016, Ms*** elected to refinance her loan, adding $to the balance. This changed Ms***’s Biweekly payments to $144.10. Cash Central received payments of $and payment of $toward the balanceOur records reflect on March 28, 2017, Ms***’s account went into a past due status and on March 31, 2017, as authorized in the loan contract, Cash Central processed an Electronic Funds Transfer (“EFT”) for the past due balance of $144.10, which returned unpaid on April 4, On April 7, 2017, Ms***’s scheduled recurring payment of $was processed as normal, as there is no record of receiving a request from Ms*** to stop the automatic payments. This payment returned unpaid on April 11, On April 11, 2017, upon receiving Ms***’s complaint, all future recurring payments were disabled, and no more automatic withdrawals have been processed from her bank accountIn the spirit of customer good will, Cash Central has waived the remaining balance on Ms***’s account and it is now marked as paid-in-fullIn response to Ms***’s statement whereas she states, “They now have an additional name that they go under. Is it legal that they were Cash Central and now Community Choice Financial? To clarify, Community Choice Financial, Inc(“CCFI”) is the parent company of Cash CentralShould the Revdex.com or Ms*** have any further questions, please contact me directly at ###-###-#### or via email at ***@ccfi.com
I was not told that the minimum payment was just interestI am certain of this and know that I would not have taken the loan out if I had known thatAnd never, when I made payments, did anyone mention that I might want to pay more to bring down the balanceI truly thought that the payments were set so that part of it was interest and part was going towards the balanceI would refer back to the person that helped me set up the loan but do not believe he is still thereThis was my first time taking out a loan like this and feel that it was assumed that I knew how the payments were set up
Regards, *** ***
Thank you for the opportunity to respond to the recently
filed complaint of *** *** We appreciate the role the RevDex.com serves in resolving consumer concerns
According to our records, Ms*** requested an Auto
Title Loan with Buckeye Check Cashing Stores of Arizona,
Inc(“CheckSmart”) on
April 4,
In her complaint, Ms*** appears to express
dissatisfaction with the way payments are applied to her loan balance. Ms***’s Auto Title Loan involves
borrowing a set amount that she has agreed to re-pay in a single
installment. Please understand that these types of loans are not intended to meet
long-term needs; however, we do offer customers the option to pay just the
accrued interest on their loan and, when doing so, the customer is essentially
refinancing their loan to extend the timeframe within which they must make
payment in full.
Ms*** elected to refinance and enter into new loan agreements
each time rather than paying her loan off in full
CheckSmart feels confident it was explained to Ms*** that
when refinancing her loan, the payment goes to interest only, and that she was
given the option to pay extra toward the principle balance. In addition, the contracts were reviewed
with her and she was also provided with a copy
It has been determined that
no further course of action is required
Should you or Ms*** have
any additional questions, I can be contact directly by phone at ###-###-#### or
via email at ***
Thank you for the opportunity to respond to the recently filed complaint by Mr*** ***Cash Central of California, LLC (“Cash Central”) appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for youTo summarize his
complaint, Mr*** states that he has been getting the run around over the past two months with Cash Central regarding his final payments on his installment loan. He claims he has been transferred several times within the Collections department only to be eventually hung up on. When he has spoken to a representative within the Collections department they take his information for his payment, however his banking information on record was incorrect which resulted in no payment being processed. Mr*** would like for his account to reflect the correct amount of payments and to be closed. A search of our records determined that on October 16, 2016, Mr*** accepted an installment loan with Cash Central in the amount of $with a maturity date of October 17, 2018. Mr*** had been making payments as expected in his loan agreement, however, in August he fell behind on a payment, and his account went into default statusWhen a customer defaults on a payment, the account is then turned over to the in-house Collections department in an effort to help the customer get back into good standing. Therefore, when Mr*** would make payments with the Collections department, it would take five to ten business days to reflect in the payment systemAs a result, when Mr*** would live-chat or call the next day after making a payment, the agent was not able to see any recent payments due to not being in the Collections department with access to their systemCash Central would like to apologize for any confusion this has caused and is happy to confirm Mr***’s account has been paid in fullWe appreciate Mr*** for allowing us to be his Payday and Installment Loan lender and encourage him to apply online for more funds in the future. Should Mr*** or the Revdex.com, have any additional questions, please contact me directly at ***@ccfi.com
Thank you for the opportunity to respond to the recently filed complaint by Ms*** ***Buckeye Credit Solutions, LLC (“CheckSmart”) appreciates the role the Revdex.com serves in resolving consumer concerns and we are happy to provide this response for youIn summarizing her
complaint, Ms*** states she would like her loan to be considered as paidA review of our records determined Ms*** obtained a loan on November 10, 2017, in the amount of $and a Credit Services Organization (CSO) fee of $251.00, for a total of payments of $Her first three scheduled payments were December 2, 2017, January 3, 2018, and February 2, 2018, each in the amount of $62.13, with a final balloon payment of $due March 3, 2018.Ms*** elected to pay $on each of her first payment dates, reducing her last payment to $CheckSmart feels confident that during the application process, Ms*** was made well aware of the costs associated with this loanAs part of this process of requesting a loan, consumers are presented with the contract which includes the Federal Truth in Lending Disclosures, where the APR, finance charge, amount financed, and total of payments is presentedFurther, the contract must be reviewed before the loan is signedAs courtesy reminder, Ms***’s next payment of $is due on March 3, If Ms*** or the Revdex.com have any questions or concerns, please do no hesitate to contact us at [email protected]
Thank you for the opportunity to respond to the recently filed complaint of Mr*** ***Cash Central of Utah, LLC (“Cash Central”) appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for youTo summarize his complaint, Mr
*** states Cash Central has attempted to collect on a debt that he does not oweHe adds that he filed a police report to support his claim of Identity Theft. Mr*** requests for Cash Central to update its policies and to have this debt removed from his creditA search of our records determined that on July 21, 2017, an Installment Loan with Cash Central was obtained under Mr***’s name in the amount of $1,000.00, with monthly payments of $and a Maturity Date of January 25, Mr*** did not meet his financial obligation, and his account defaulted into Cash Central’s Collections department on August 25, On August 24, 2017, Mr*** contacted Cash Central and began an Identity Theft process with Cash Central’s Fraud DepartmentCash Central would like to thank Mr*** for his cooperation with the Identity Theft process and for providing the required supporting documents (Notarized Affidavit, copy of his police report, and copy of his government-issued ID) to initiate the investigationCash Central’s findings of the Identity Theft investigation have been provided to Mr*** via a letter mailed to the address he provided on his reportThe letter has been attached to this responseIf Mr*** is not satisfied with the results of the investigation, Cash Central encourages him to continue working with his local police department regarding this matter and Cash Central’s Fraud department will continue to cooperate and assist with the law enforcementShould Mr*** or the CFPB have any additional questions or concerns, please contact me directly to ***@ccfi.com
Thank you for the opportunity to respond to the recently filed complaint of *** ***We appreciate the role the Revdex.com serves in resolving consumer concernsIn reviewing our records, on July 29, 2016, Ms*** contacted our Corporate Customer Service Department regarding
this situation and were able to resolve her concernsShould you or Ms*** have any additional questions, I can be contact directly by phone at 435-774-or via email at ***@ccfi.com
Thank you for the opportunity to respond to the recently filed complaint by Ms*** ***lCalifornia Check Cashing, LLC (“CCCS”) appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide you with this responseTo summarize her complaint, Ms
*** states she has requested on multiple occasions not to be contacted at her place of work but she continues to receive callsMs*** adds she is a 9-1-response department supervisor and she is not allowed to receive personal calls due to the nature of the job. Ms*** request the removal of her work phone form our systemA search of our records determined, on December 26, Ms*** obtained a Payday Loan with CCCS for $255.00, with a finance charge of $45.00, and a due date of January 1, Ms*** did not meet her financial obligation and her account was received into CCCS's collections department on January 13, No payment has been received to satisfy this debtOn January 13, 2018, CCCS contacted Ms***’s work phone number and she requested to not be contacted at workMs***’s work phone number was placed on a do-not-contact status; however, a customer service agent contacted her work number once again on January 16, The customer service agent has been addressed regarding this mistakeCCCS apologizes for the inconvenience and would like to assure Ms*** her work phone number has been removed from the systemFurther research shows Ms*** also has a $balance with our sister company Buckeye Check Cashing of California, LLC (“Cash 1”) since April 21, No payment has been received to satisfy this debtMs***’s work phone number has been removed from this account as wellAs a point of clarification, each time Ms*** applies for a new loan, she is provided with a Loan Agreement to review and agree before signing, where she consents to be contacted by us: CUSTOMER COMMUNICATIONS: By your signature below, you expressly consent to be contacted by us, our affiliates, or anyone calling on our behalf for any and all purposes, at any telephone number, or physical or electronic address you provide or at which you may be reachedYou agree we may contact you related to this loan in any way, including calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting systemAutomated messages may be played when the telephone is answered, whether by you or someone elseIn the event that a customer service representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via textMs*** must request to not be contacted at her place of work every time she opens up a new with us or any of our affiliates to avoid further contactShould Ms*** or the Revdex.com have any additional questions or concerns, please contact me directly at [email protected]
Thank
you for the opportunity to respond to the recently filed complaint of *** ***. We appreciate the role the Revdex.com serves in resolving consumer
concerns and hope to address the same herein
According
to our records, Mr*** sought the assistance of Buckeye Credit
Solutions,
LLC (“CheckSmart”), an Ohio Credit Services Organization (“CSO”), in obtaining
a loan with *** *** *** LLC (“NCP”), an Ohio Mortgage Loan Act
licensee. On December 14, 2015, Mr
*** borrowed $255.04, which includes an “Amount Financed” of $and a
“Prepaid Finance Charge” of $55.04. Mr
***’s loan was payable in two installment payments, detailed as follows:
January 2, $
January 16, $
Our
records indicate that Mr*** failed to make his final payment as agreed
and, as a result, his account was referred to CheckSmart’s corporate
collections department. After receiving
Mr***’s defaulted account, on January 21, 2016, CheckSmart initiated an
Electronic Funds Transfer (“EFT”) using the account information he provided
when he signed the loan agreementCheckSmart’s EFT attempt was processed as
authorized in his agreement
In
researching this matter, our records show that on January 21, 2016, Mr
*** spoke to a representative of CheckSmart’s corporate collections
department wanting to pay on February 1, However, this arrangement was
not accepted and the EFT had already been submitted
Mr
*** refers to excessive calls made to him.
When a customer defaults on a loan, it is then referred to the corporate
collections departmentIt is our standard procedure to contact the customer at
the telephone numbers they have provided in an effort to make arrangements with
them to pay the balance on their account.
This contact is made only after obtaining the borrower’s consent to
contact them using the information that they provide. Typically, there is a combination of manual
calls that are made by an internal collections associate in tandem with calls
placed by an automated dialer system.
When either method does not result in a conversation with our customer
within a single 24-hour period, continued attempts are made to reach the
customer
Mr
*** alleges that he was treated rudely by representatives of CheckSmart’s
corporate collections department. I have
reviewed the available call recordings associated with Mr***’s account
and have been unable to validate these claimsHowever, I would like to take
the opportunity to apologize to him for what he might have perceived to be
unacceptable
Our
records as of January 29, show Mr*** account has been paid in full. It has been determined that no further course
of action is required
I
sincerely hope that the response set forth above provides a satisfactory
clarification to this matter. Should you
have any additional questions, please feel free to contact me directly at
###-###-#### or via email at***
Thank you for the opportunity to respond to the recently
filed complaint of *** ***. We
appreciate the role the Revdex.com serves in resolving consumer
concerns
In researching Ms***’s complaint, we uncovered a series
of communications and processing errors between
our retail branch and the
corporate collections departmentWe acknowledge that our representatives did
not handle Ms***’s issue appropriately and agree to accommodate her
desired resolution
CheckSmart has waived the additional fees and the balance
due is $Upon repayment, Ms*** will be able to resume utilizing
our check cashing service
Ms*** can contact Sally M***, a senior supervisor in
our collections area, to make this paymentMsM*** can be reached at
###-###-####, extension ***
We apologize for the inconvenience this may have caused Ms
*** and Ms***.
Should Ms*** have any
additional questions, I can be contact directly by phone at ###-###-####
Thank you for the opportunity to respond to the recently
filed complaint of *** ***. We
appreciate the role the Revdex.com places in resolving consumer
concerns.According to our records, Ms
*** requested a single installment Auto Title Loan with Buckeye Title
Loans
Incfor $on July 21, 2015. The
loan had an agreed-upon repayment date of August 7, 2015. Ms*** failed to pay back her loan by her
due date and, as a result, Buckeye Title’s corporate collections department
initiated an Electronic Funds Transfer (“EFT”) for $on August 14, 2015,
using the account information she provided when she signed her loan agreement
Buckeye Title’s EFT attempt was done in accordance with her agreement.Our records indicate on
August 17, 2015, Ms*** contacted Buckeye Title’s corporate collections
department and was advised that if she made the minimum payment amount of
$to return her account to a good standing before the EFT posted, Buckeye
Title would refund her. However, Ms
*** did not make the said minimum payment so no refund was issued.Should Ms*** have
additional questions she can contact Andrea Vishak, a senior supervisor in our
collections area. MsV*** can be
reached at ###-###-####, extension ***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me since Cash Central has confirmed the existence of fraudulent activity on the May 11, 2015, loan and consequently bought back the debt from *** on February 15, and updated the credit agencies to remove the credit inquiry
Regards,
*** ***
Thank you for the opportunity to respond to the recently filed complaint of Mr*** ***We appreciate the role the Revdex.com serves in resolving consumer concerns and we are happy to provide this response for you.To summarize his complaint Mr*** states he received two (2) e-mails from Cash Central regarding payment for a loan he did not applied forMr*** requests to have this debt removed from his credit and all communication to cease and desist.A search of our records determined that an Installment loan on Mr***’s name was requested with Cash Central of Utah, LLC (“Cash Central”) to be effective August 14, 2017, in the amount of $with bi-weekly payment of $and a maturity date of august 16, On August 29, Mr*** contacted Cash Central to advise us he did not request such loan; however when we attempted to transfer him to our Fraud Department, the call was ended before the transfer could be completed successfullyWe have attempted, without success, to contact Mr*** to the number he providedUpon the receipt of this complaint we have placed Mr***’s account in a “Hold” status to prevent any further activityWe have also mailed our “Identity Theft Package” which consist of a copy the Federal Trade Commission Identity Theft Affidavit form and request he completes and return the form within twenty-one (21) daysMr*** is also requested to provide us with a copy of his police report of the loan fraud listing Cash Central, as well as proof of identity ( a government-issued ID).Cash Central takes identity theft very seriously, and requests Mr.***’s cooperation and patience while we validate his claimIn the event Cash Central does not receive the above documents from Mr*** within days, or the information he provides is incomplete, Cash Central will presume this indicates Mr*** acceptance of the debtCash Central cannot clear the debt from his name unless Mr*** is willing to aid in the prosecution of the identity theft suspect, and until the debt is either paid in full, or proven to be fraudulent.Should the Revdex.com or Mr*** have any additional questions, please contact me directly at [email protected]