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 youCash Central of California, LLC (“Cash Central”) sympathizes
with Mr***We understand how frustrating this situation must be for himUnfortunately, with the information provided in his original complaint we are unable to locate an account associated to Mr*** in our systemsIf he is willing to provide us with additional identifying information, for instance the last four (4) digits of his Social Security Number or the bank account number associated with his claim, we will be able to assist him furtherThis information is solely for the purpose of locating Mr***’s accountCash Central is a registered finance lender in the State of CaliforniaMr*** may review our registration at www.cashcentral.com/StateLicences/CaliforniaCash Central does not withdraw funds from a customer’s bank account without prior authorizationIn the past, similar situations to Mr***’s have been the result of identity theftTo assist him in this matter Cash Central encourages Mr*** to contact our Customer Service Department at (855) 920-to begin an identity theft investigationCash Central takes identity theft very seriously, and requests Mr***’s cooperation and patience to validate his claimIn the event the Mr*** does not contact us or information he provides is incomplete, Cash Central will presume this indicates Mr***’s acceptance of the possible debtCash Central cannot clear the possible debt from his name unless Mr*** is willing to aid in the prosecution of the identity theft suspect, and until the possible debt is either paid in full, or proven to be fraudulentShould the Revdex.com or Mr*** have any additional questions, please contact me directly at [email protected]
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 complaints and are happy to provide this response to youA search of our records determined Mr*** was approved by
Cash Central of ***, LLC (“Cash Central”) on July 24, 2014, for an Installment Loan in the amount of $1,000.00, effective July 25, 2014, with a single payment term of $1,250.00, due August 1, All attempts to collect on this debt were unsuccessful and, per her loan contract, Mr***’s debt was sold to Cuzco Capital Investment Management, LLC (“Cuzco”) on June 30, Due to the sale of Mr***’s debt, Cash Central does not have the authority to collect on this debt, and has not attempted to, since the date of saleMr*** may wish to address further questions to Cuzco at: Cuzco Capital Investment Management, LLC *** *** *** ***
*** *** ** *** ###-###-#### *** From his complaint, it appears Mr*** believes he may have been the victim of identity theftIn response, we have e-mailed him a copy of the Federal Trade Commission (“FTC”) Identity (“ID” Theft Affidavit form, and request that he complete and return the form within twenty-one (21) days of the date of the Fraud Validation e-mailMr*** is also requested to provide Cash Central with a copy of his police report of the loan fraud listing Cash Central, as well as proof of identity (a valid 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***’s 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 fraudulentShould the Revdex.com or Mr*** have any additional questions, please contact me directly at ***
Thank you for the opportunity to respond to the recently
filed complaint of [redacted]. We appreciate the role the RevDex.com serves in resolving consumer concerns.
Our records indicate that Mr.
[redacted] requested a Line of Credit in the amount of $1,500.00 from...
First
Virginia Financial Services, LLC (“FCA”) on May 3, 2014.
In reviewing our records, Mr.
[redacted] did not make his monthly payment due on May 1, 2015. Mr. [redacted]’s account was referred to the
corporate collections department on May 29, 2015 and attempts were made to
contact him.
Because
no communication was made with Mr. [redacted] regarding his outstanding balance,
an Automated Clearing House (“ACH”) debit was scheduled on June 10, 2015 using
the account information provided when Mr. [redacted] signed his Line of Credit
agreement. The ACH debit was executed in accordance with Mr. [redacted]’s Line of
Credit agreement. FVA did not forge Ms. [redacted]’s signature as suggested in
his complaint.
Should you or Mr. [redacted] have
any additional questions, I can be contact directly by phone at ###-###-####.
[redacted]Dear [redacted]
This letter responds to your correspondence of May 1, 2015, regarding the above-referenced matter. Thank you for bringing [redacted]’s complaint to our attention. We appreciate the role of the Revdex.com in mediating...
consumer complaints.
Our records indicate that [redacted] requested a loan from Cash Central, one of Community Choice Finanical’s subsidiaries, on December 9, 2014. The loan had an agreed-upon repayment date of December 19, 2014, and she provided both her bank information and an authorization for Cash Central to initiate an automated withdrawal or “ACH” from her account on that date. Cash Central processed the ACH on that date, and it was subsequently returned by her financial institution as an unpaid item on December 29, 2014. As of today’s date, [redacted] has an outstanding balance on her account in the amount of $162.24.
[redacted]’s complaint, as I understand it, is regarding what she characterizes as harassing telephone calls from Cash Central’s corporate collections department. When a customer defaults on a loan, it 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. Our collections department employees are trained to be professional and supervisors monitor calls regularly to make sure that they are professional. Collectors who fall short of these expectations are counseled about appropriate behavior and, where called for, are reprimanded or terminated if they are unable to meet these expectations. After having reviewed [redacted]’s account, I can confirm that the corporate collections department made several attempts to contact her, and ultimately two conversations took place. Both conversations occurred when [redacted] placed calls to Cash Central. The first conversation with [redacted] occurred on April 22, 2015, and the second conversation occurred with [redacted] on May 1, 2015,. It is never Cash Central’s intention to make any of our customers feel harassed. As such, we would like to extend our apologies for any treatment that [redacted] feels she may have received that she perceived to be unacceptable. In addition, Cash Central has removed [redacted]’s telephone number from its call system.
[redacted] also expressed her frustration with the corporate collections department in not accepting her telephonic request to revoke her ACH authorization. When [redacted] signed her loan agreement, a copy of which is enclosed for reference, she specifically authorized Cash Central to initiate an ACH to the bank account she provided for repayment of her loan. The loan agreement also states “You understand and acknowledge that you may terminate this ACH Authorization by notifying us at [redacted] in such time and manner as to afford us and your bank a reasonable opportunity to act on it.” It is our corporate policy to only accept ACH terminations in writing.
At this time, one ACH payment of $162.24 is still regarded as “in process.” This means that not enough time has passed for Cash Central to know if the bank will or will not fund the ACH. If the payment is returned as an unpaid item from her financial institution, we will not be issuing a refund. Because [redacted] has now properly revoked her ACH authorization, and although Cash Central did not receive the revocation in time to stop it, if the ACH payment is paid, Cash Central will gladly refund her payment by issuing an ACH reversal, which will credit her bank account $162.24.
I sincerely hope that the response set forth above provides a satisfactory resolution to this matter. Should you have any additional questions, please feel free to contact me.
Sincerely[redacted]
Unfortunately, based on the information provided in Mr. [redacted]’s complaint, we have been unable to locate an account in our system which may be associated with him. If Mr. [redacted] were to provide some additional information, we will be able to further search our records to identify any...
accounts associated with him and then respond to his concerns further.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
TThank you for your help .
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Thank you for the opportunity to respond to the recently filed complaint of [redacted]. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same herein. In reviewing Mr. [redacted]’s account, an Installment Loan in the amount of...
$2,501.00 was obtained on November 9, 2016. This was a 52 payment loan with biweekly payments; 51 payments of $185.57 and 1 payment of $181.42. To date, Cash Central has received 3 payment of $185.57 on November 25, 2016, December 15, 2016 and December 23, 2016. Our records show on December 27, 2016, Mr. [redacted] authorized a payment in the amount of $1,000.00. It was Cash Central’s understanding, the payment was to be applied as a principal reduction payment. Before Mr. [redacted]’s payment could be applied to the principal balance, Cash Central’s system processed the payment as a regular payment. At that time, Mr. [redacted] was sent an automated email confirming his due date of March 17, 2017. On January 14, 2017, Cash Central adjusted Mr. [redacted]’s payment to reflect the principal balance. At that time, Mr. [redacted] was sent an automated email confirming his next regular payment would be due on January 20, 2017. On January 15, 2017, Cash Central spoke with Mr. [redacted] after his confusion regarding his upcoming payment and confirmed his payment of $1,000.00 was not to be applied as a principal reduction payment however, it was to be applied as multiple regular payments. At that time, Cash Central adjusted the principal reduction payment as a regular payment. On January 20, 2017, our records confirm a regular payment for $185.57 was processed in error. Cash Central issued a refund of $185.57 to Mr. [redacted] on January 23, 2017 as a result of this error. In addition to the refund, Cash Central applied a principal reduction credit of $307.10 and waived the accrued interest of $64.99 on Mr. [redacted]’s account as a good faith gesture. Cash Central apologizes for the inconvenience and frustration this may have caused Mr. [redacted]. Our records further reflect on January 25, 2017, Cash Central revoked all future ACH attempts per Mr. [redacted]’s request. He will need to contact Cash Central directly to assist him in making his future payments. As a reminder, Mr. [redacted]’s next payment of $185.57 is scheduled to be due on March 31, 2017. Should the Revdex.com or Mr. [redacted] have any additional questions or concerns, I can be reached directly at ###-###-#### or via email at [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards, [redacted]
Thank you for the opportunity to respond
to the recently filed complaint of [redacted]. We appreciate the role
the Revdex.com serves in resolving consumer concerns and hope to
address the same herein.
According
to our records, on February 13, 2016, Ms. [redacted] visited one...
of our CheckSmart
retail branch locations to cash a check made payable to her. The check presented was in the amount of $498.00
and issued by [redacted].
On February
20, 2016, the cashed check was returned by [redacted]’s financial institution, with
the comment, “Refer to Maker”. Attached is an image of the check that
was returned.
Checksmart’s
collection staff placed calls to [redacted] in an attempt to collect payment and [redacted]
explained the check was cashed twice and one cleared and one was returned; the
item CheckSmart cashed was returned.
In
her complaint, Ms. [redacted] references CheckSmart stating that she “copied the
check with her smartphone and deposited the check then went to our store and
cashed the check!” Further, Ms. [redacted]
claims to have been threatened, and yelled at by a member of our collections
staff. I have reviewed the available
call recording to check into Ms. [redacted]’s complaint, and found CheckSmart’s
representative did not threaten her, however attempted to explain what could
have happened that caused the check to be returned. Toward the end of the call, I agree that the collections
representative should have used a more professional tone during their
conversation. It
is never CheckSmart’s intention to make any of our customers feel threatened. As such, we would like to extend our
apologies for any treatment that she feels she may have received that was
perceived to be unacceptable.
We have
contacted the retail branch location in which Ms. [redacted] cashed the check and
found no processing errors occurred, which would have caused Ms. [redacted]’s check
to have been cashed twice. We encourage,
Ms. [redacted] contact [redacted] regarding this issue.
Should Ms. [redacted]r have any additional
questions, she can contact me directly by phone at ###-###-#### or via email at [redacted]
Thank you for the opportunity to respond to the recently filed complaint by Ms. [redacted]. Hoosier Check Cashing of Ohio, LTD ("CheckSmart") appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for you. To summarize her...
complaint, Ms. [redacted] states after taking out a payday loan on November 4, 2017 at the store, she was informed by a store representative she will be eligible for an extended payment plan when she returns to pay off the loan. However, when she returned to the store on November 18, 2017 to start the extended payment plan, she was informed that she had to pay the entire balance of the loan and she would be eligible for the extended payment plan on the subsequent loan. Ms. [redacted] was not prepared to pay the entire balance and was advised that if her check was returned after being presented to the bank she could make a promise to pay arrangement with the Collections department. Ms. [redacted] believes this situation is unacceptable and she should not have to suffer the consequences for the mistake of a CheckSmart employee. Ms. [redacted] is requesting that the store hold her payday loan check until her next pay day of December 1, 2017, which will also be the time she becomes eligible for the extended payment plan. A search of our records determined on November 30, 2017 Ms. [redacted]’s account was sent to CheckSmart’s Collections department with a promise to pay arrangement already set up with the store. That account is listed as paid in full and the customer was able to obtain a new payday loan on December 1, 2017. We here at CheckSmart, would like to extend an apology to Ms. [redacted] for any inconveniences we caused and to also thank her for her business. Should Ms. [redacted] or the Revdex.com have any questions or concerns, please contact me directly at [redacted]@ccfi.com.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID 12016882, and find the resolution is satisfactory to me.
Regards,
[redacted]
Please note, Cash Central only reports to Experian and Experian can share reported information with other bureaus. Cash Central has accurately reported the information, based off the information in our files, therefore we are not in a position to remove the information we reported. Ms. [redacted] can contact Experian and TransUnion with questions.
Thank you for the opportunity to respond to the recently
filed complaint of [redacted]. We appreciate the role the RevDex.com serves in resolving consumer concerns.
Using
the information provided by her in her complaint, Community Choice Financial
has no record of contacting...
[redacted].
It appears that she may have been the victim of a scam company. We did
some further research and learned that the Federal Trade Commission (“FTC”) is
aware of scams against consumers similar to that described by [redacted] in
her complaint. At this time, I would encourage her to contact the FTC for
further assistance, information, and to discuss her concerns. The FTC can be
reached at [redacted]), and they may be able to provide [redacted] with additional information about these types of scams and assist her
in resolving any other concerns or answer any other questions that she might
have.
To
ensure [redacted] does not receive communications from us, we have entered
her email into our opt-out database.
Again,
it appears that [redacted] is being contacted by a scam company and I would
strongly encourage her to contact the FTC for further assistance. If,
however, I can provide you with further information or assistance, I would be
pleased to do so. I
can be contact directly by phone at ###-###-#### or via email at [redacted].
Thank you for the opportunity to respond to the recently filed complaint of [redacted]. We appreciate the role the Revdex.com serves in resolving consumer issues and we are happy to provide this response for you. A search of our records determined [redacted] requested a Vehicle...
Title Loan with [redacted], [redacted]), effective on March 5, 2016, in the amount of $3,800.00 with a Finance Charge of $5,867.37, 24, monthly payments of $369.46 starting April 5, 2016, and a maturity date of March 5, 2018. Please see attached [redacted]’s Loan Agreement and his account history with highlighted payments, accrued interest and due dates. [redacted] has not made any payments towards his debt since December 22, 2016. As a result his account was charged off on May 7, 2017 with a balance of $2879.31 and placed on a “Repossession Status”. We encourage [redacted] to contact Colin B[redacted] our [redacted] at ###-###-#### for re-payment options and to avoid repossession. Should [redacted] or the Revdex.com have any additional questions, please contact me directly at [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
yes that right but you also knew that my check did not go in my bank and everything . also you suppose to contract me in some how to ask me when I was gonna pay that a law .
Regards, [redacted]
Thank you for the opportunity to respond to the recently filed complaint of [redacted]. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same herein. According to our records, Ms. [redacted] sought the assistance of Buckeye Credit Solutions, LLC...
(“CheckSmart”), an Ohio Credit Services Organization (“CSO”), in obtaining a loan with NCP Finance Ohio, LLC (“NCP”), an Ohio Mortgage Loan Act licensee. On June 21, 2016, Ms. [redacted] borrowed $510.08, which includes an “Amount Financed” of $400.00 and a “Prepaid Finance Charge” of $110.08. Ms. [redacted]’s loan was payable in two installment payments, detailed as follows: July 4, 2016 $60.98 July 18, 2016 $459.49 Our records indicate that Ms. [redacted] failed to make her payments as agreed and, as a result, her account was referred to CheckSmart’s corporate collections department. After receiving Ms. [redacted]’s defaulted account, on July 24, 2016, CheckSmart initiated an Electronic Funds Transfer (“EFT”) using the account information she provided when she signed the loan agreement. CheckSmart’s EFT attempt was processed as authorized in her agreement. In researching this matter, our records show that on July 25, 2016, Ms. [redacted] spoke to a representative of CheckSmart’s corporate collections department whom assisted her in setting up payment arrangements. However, these arrangements were arranged after the EFT had already been submitted. CheckSmart will still honor the payment arrangements Ms. [redacted] arranged with our corporate collections department. 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 [redacted]@ccfi.com.
Thank you for the opportunity to respond to the recently filed complaint of [redacted]. We appreciate the role the Revdex.com places in resolving consumer concerns. In reviewing Ms. [redacted]’s account, our records show an Installment loan in the amount of $2,501.00 was...
requested on March 3, 2015. When Ms. [redacted] did not make her payments as agreed, the loan was sold to a third party under the terms of the Agreement. On April 5, 2016, Cash Central sold the underlying debt to [redacted] Credit Adjusters. Our records confirm, the information reported to Experian by Cash Central has accurate and permissible based on information in our file. However, given the sale of debt, the tradeline information reported by Cash Central to Experian was updated as “account sold” in May, 2016 and has not been reported since then and the new owner of the debt determines if they report anything to the credit bureaus. As we are no longer owners of the debt; consequently, further contact regarding Ms. [redacted]’s account should be directed to [redacted] Credit Adjusters at ###-###-####. Should the Revdex.com or Ms. [redacted] have any additional questions, I can be reached via phone at ###-###-#### or via email at [redacted]@ccfi.com.
Thank you for the opportunity to respond to the recently
filed complaint of [redacted]. We appreciate the role the RevDex.com serves in resolving consumer concerns.
In her complaint, Ms. [redacted]
states that she was treated rudely by representatives of CheckSmart’s...
corporate
collections department. Our collections department employees are trained to be
professional and supervisors monitor calls regularly to make sure that they are
professional. I have reviewed the available call recordings associated with Ms.
[redacted]’s account in an effort to check into her claims about the lack of
professionalism used by representatives of CheckSmart. I agree that the collections representatives
that spoke with Ms. [redacted] should have used a more professional tone during
their conversations. Please know that
the telephone calls in question have been reviewed with the CheckSmart
corporate collections employees involved.
Ms. [redacted]’s concerns have also been reviewed with management. The employees involved have been reminded of
CheckSmart’s commitment to customer service.
It is never CheckSmart’s intention to treat any of our customers in a
poor manner. As such, I would like to
extend our apologies for any treatment that Ms. [redacted] received that she
perceived to be unacceptable.
Should Ms. [redacted] have any additional questions, she can
contact me directly by phone or by email
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 youCash Central of California, LLC (“Cash Central”) sympathizes
with Mr***We understand how frustrating this situation must be for himUnfortunately, with the information provided in his original complaint we are unable to locate an account associated to Mr*** in our systemsIf he is willing to provide us with additional identifying information, for instance the last four (4) digits of his Social Security Number or the bank account number associated with his claim, we will be able to assist him furtherThis information is solely for the purpose of locating Mr***’s accountCash Central is a registered finance lender in the State of CaliforniaMr*** may review our registration at www.cashcentral.com/StateLicences/CaliforniaCash Central does not withdraw funds from a customer’s bank account without prior authorizationIn the past, similar situations to Mr***’s have been the result of identity theftTo assist him in this matter Cash Central encourages Mr*** to contact our Customer Service Department at (855) 920-to begin an identity theft investigationCash Central takes identity theft very seriously, and requests Mr***’s cooperation and patience to validate his claimIn the event the Mr*** does not contact us or information he provides is incomplete, Cash Central will presume this indicates Mr***’s acceptance of the possible debtCash Central cannot clear the possible debt from his name unless Mr*** is willing to aid in the prosecution of the identity theft suspect, and until the possible debt is either paid in full, or proven to be fraudulentShould the Revdex.com or Mr*** have any additional questions, please contact me directly at [email protected]
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 complaints and are happy to provide this response to youA search of our records determined Mr*** was approved by
Cash Central of ***, LLC (“Cash Central”) on July 24, 2014, for an Installment Loan in the amount of $1,000.00, effective July 25, 2014, with a single payment term of $1,250.00, due August 1, All attempts to collect on this debt were unsuccessful and, per her loan contract, Mr***’s debt was sold to Cuzco Capital Investment Management, LLC (“Cuzco”) on June 30, Due to the sale of Mr***’s debt, Cash Central does not have the authority to collect on this debt, and has not attempted to, since the date of saleMr*** may wish to address further questions to Cuzco at: Cuzco Capital Investment Management, LLC *** *** *** ***
*** *** ** *** ###-###-#### *** From his complaint, it appears Mr*** believes he may have been the victim of identity theftIn response, we have e-mailed him a copy of the Federal Trade Commission (“FTC”) Identity (“ID” Theft Affidavit form, and request that he complete and return the form within twenty-one (21) days of the date of the Fraud Validation e-mailMr*** is also requested to provide Cash Central with a copy of his police report of the loan fraud listing Cash Central, as well as proof of identity (a valid 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***’s 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 fraudulentShould the Revdex.com or Mr*** have any additional questions, please contact me directly at ***
Thank you for the opportunity to respond to the recently
filed complaint of [redacted]. We appreciate the role the RevDex.com serves in resolving consumer concerns.
Our records indicate that Mr.
[redacted] requested a Line of Credit in the amount of $1,500.00 from...
First
Virginia Financial Services, LLC (“FCA”) on May 3, 2014.
In reviewing our records, Mr.
[redacted] did not make his monthly payment due on May 1, 2015. Mr. [redacted]’s account was referred to the
corporate collections department on May 29, 2015 and attempts were made to
contact him.
Because
no communication was made with Mr. [redacted] regarding his outstanding balance,
an Automated Clearing House (“ACH”) debit was scheduled on June 10, 2015 using
the account information provided when Mr. [redacted] signed his Line of Credit
agreement. The ACH debit was executed in accordance with Mr. [redacted]’s Line of
Credit agreement. FVA did not forge Ms. [redacted]’s signature as suggested in
his complaint.
Should you or Mr. [redacted] have
any additional questions, I can be contact directly by phone at ###-###-####.
[redacted]Dear [redacted]
This letter responds to your correspondence of May 1, 2015, regarding the above-referenced matter. Thank you for bringing [redacted]’s complaint to our attention. We appreciate the role of the Revdex.com in mediating...
consumer complaints.
Our records indicate that [redacted] requested a loan from Cash Central, one of Community Choice Finanical’s subsidiaries, on December 9, 2014. The loan had an agreed-upon repayment date of December 19, 2014, and she provided both her bank information and an authorization for Cash Central to initiate an automated withdrawal or “ACH” from her account on that date. Cash Central processed the ACH on that date, and it was subsequently returned by her financial institution as an unpaid item on December 29, 2014. As of today’s date, [redacted] has an outstanding balance on her account in the amount of $162.24.
[redacted]’s complaint, as I understand it, is regarding what she characterizes as harassing telephone calls from Cash Central’s corporate collections department. When a customer defaults on a loan, it 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. Our collections department employees are trained to be professional and supervisors monitor calls regularly to make sure that they are professional. Collectors who fall short of these expectations are counseled about appropriate behavior and, where called for, are reprimanded or terminated if they are unable to meet these expectations. After having reviewed [redacted]’s account, I can confirm that the corporate collections department made several attempts to contact her, and ultimately two conversations took place. Both conversations occurred when [redacted] placed calls to Cash Central. The first conversation with [redacted] occurred on April 22, 2015, and the second conversation occurred with [redacted] on May 1, 2015,. It is never Cash Central’s intention to make any of our customers feel harassed. As such, we would like to extend our apologies for any treatment that [redacted] feels she may have received that she perceived to be unacceptable. In addition, Cash Central has removed [redacted]’s telephone number from its call system.
[redacted] also expressed her frustration with the corporate collections department in not accepting her telephonic request to revoke her ACH authorization. When [redacted] signed her loan agreement, a copy of which is enclosed for reference, she specifically authorized Cash Central to initiate an ACH to the bank account she provided for repayment of her loan. The loan agreement also states “You understand and acknowledge that you may terminate this ACH Authorization by notifying us at [redacted] in such time and manner as to afford us and your bank a reasonable opportunity to act on it.” It is our corporate policy to only accept ACH terminations in writing.
At this time, one ACH payment of $162.24 is still regarded as “in process.” This means that not enough time has passed for Cash Central to know if the bank will or will not fund the ACH. If the payment is returned as an unpaid item from her financial institution, we will not be issuing a refund. Because [redacted] has now properly revoked her ACH authorization, and although Cash Central did not receive the revocation in time to stop it, if the ACH payment is paid, Cash Central will gladly refund her payment by issuing an ACH reversal, which will credit her bank account $162.24.
I sincerely hope that the response set forth above provides a satisfactory resolution to this matter. Should you have any additional questions, please feel free to contact me.
Sincerely[redacted]
Unfortunately, based on the information provided in Mr. [redacted]’s complaint, we have been unable to locate an account in our system which may be associated with him. If Mr. [redacted] were to provide some additional information, we will be able to further search our records to identify any...
accounts associated with him and then respond to his concerns further.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
TThank you for your help .
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Thank you for the opportunity to respond to the recently filed complaint of [redacted]. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same herein. In reviewing Mr. [redacted]’s account, an Installment Loan in the amount of...
$2,501.00 was obtained on November 9, 2016. This was a 52 payment loan with biweekly payments; 51 payments of $185.57 and 1 payment of $181.42. To date, Cash Central has received 3 payment of $185.57 on November 25, 2016, December 15, 2016 and December 23, 2016. Our records show on December 27, 2016, Mr. [redacted] authorized a payment in the amount of $1,000.00. It was Cash Central’s understanding, the payment was to be applied as a principal reduction payment. Before Mr. [redacted]’s payment could be applied to the principal balance, Cash Central’s system processed the payment as a regular payment. At that time, Mr. [redacted] was sent an automated email confirming his due date of March 17, 2017. On January 14, 2017, Cash Central adjusted Mr. [redacted]’s payment to reflect the principal balance. At that time, Mr. [redacted] was sent an automated email confirming his next regular payment would be due on January 20, 2017. On January 15, 2017, Cash Central spoke with Mr. [redacted] after his confusion regarding his upcoming payment and confirmed his payment of $1,000.00 was not to be applied as a principal reduction payment however, it was to be applied as multiple regular payments. At that time, Cash Central adjusted the principal reduction payment as a regular payment. On January 20, 2017, our records confirm a regular payment for $185.57 was processed in error. Cash Central issued a refund of $185.57 to Mr. [redacted] on January 23, 2017 as a result of this error. In addition to the refund, Cash Central applied a principal reduction credit of $307.10 and waived the accrued interest of $64.99 on Mr. [redacted]’s account as a good faith gesture. Cash Central apologizes for the inconvenience and frustration this may have caused Mr. [redacted]. Our records further reflect on January 25, 2017, Cash Central revoked all future ACH attempts per Mr. [redacted]’s request. He will need to contact Cash Central directly to assist him in making his future payments. As a reminder, Mr. [redacted]’s next payment of $185.57 is scheduled to be due on March 31, 2017. Should the Revdex.com or Mr. [redacted] have any additional questions or concerns, I can be reached directly at ###-###-#### or via email at [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards, [redacted]
Thank you for the opportunity to respond
to the recently filed complaint of [redacted]. We appreciate the role
the Revdex.com serves in resolving consumer concerns and hope to
address the same herein.
According
to our records, on February 13, 2016, Ms. [redacted] visited one...
of our CheckSmart
retail branch locations to cash a check made payable to her. The check presented was in the amount of $498.00
and issued by [redacted].
On February
20, 2016, the cashed check was returned by [redacted]’s financial institution, with
the comment, “Refer to Maker”. Attached is an image of the check that
was returned.
Checksmart’s
collection staff placed calls to [redacted] in an attempt to collect payment and [redacted]
explained the check was cashed twice and one cleared and one was returned; the
item CheckSmart cashed was returned.
In
her complaint, Ms. [redacted] references CheckSmart stating that she “copied the
check with her smartphone and deposited the check then went to our store and
cashed the check!” Further, Ms. [redacted]
claims to have been threatened, and yelled at by a member of our collections
staff. I have reviewed the available
call recording to check into Ms. [redacted]’s complaint, and found CheckSmart’s
representative did not threaten her, however attempted to explain what could
have happened that caused the check to be returned. Toward the end of the call, I agree that the collections
representative should have used a more professional tone during their
conversation. It
is never CheckSmart’s intention to make any of our customers feel threatened. As such, we would like to extend our
apologies for any treatment that she feels she may have received that was
perceived to be unacceptable.
We have
contacted the retail branch location in which Ms. [redacted] cashed the check and
found no processing errors occurred, which would have caused Ms. [redacted]’s check
to have been cashed twice. We encourage,
Ms. [redacted] contact [redacted] regarding this issue.
Should Ms. [redacted]r have any additional
questions, she can contact me directly by phone at ###-###-#### or via email at [redacted]
Thank you for the opportunity to respond to the recently filed complaint by Ms. [redacted]. Hoosier Check Cashing of Ohio, LTD ("CheckSmart") appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for you. To summarize her...
complaint, Ms. [redacted] states after taking out a payday loan on November 4, 2017 at the store, she was informed by a store representative she will be eligible for an extended payment plan when she returns to pay off the loan. However, when she returned to the store on November 18, 2017 to start the extended payment plan, she was informed that she had to pay the entire balance of the loan and she would be eligible for the extended payment plan on the subsequent loan. Ms. [redacted] was not prepared to pay the entire balance and was advised that if her check was returned after being presented to the bank she could make a promise to pay arrangement with the Collections department. Ms. [redacted] believes this situation is unacceptable and she should not have to suffer the consequences for the mistake of a CheckSmart employee. Ms. [redacted] is requesting that the store hold her payday loan check until her next pay day of December 1, 2017, which will also be the time she becomes eligible for the extended payment plan. A search of our records determined on November 30, 2017 Ms. [redacted]’s account was sent to CheckSmart’s Collections department with a promise to pay arrangement already set up with the store. That account is listed as paid in full and the customer was able to obtain a new payday loan on December 1, 2017. We here at CheckSmart, would like to extend an apology to Ms. [redacted] for any inconveniences we caused and to also thank her for her business. Should Ms. [redacted] or the Revdex.com have any questions or concerns, please contact me directly at [redacted]@ccfi.com.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID 12016882, and find the resolution is satisfactory to me.
Regards,
[redacted]
Please note, Cash Central only reports to Experian and Experian can share reported information with other bureaus. Cash Central has accurately reported the information, based off the information in our files, therefore we are not in a position to remove the information we reported. Ms. [redacted] can contact Experian and TransUnion with questions.
Thank you for the opportunity to respond to the recently
filed complaint of [redacted]. We appreciate the role the RevDex.com serves in resolving consumer concerns.
Using
the information provided by her in her complaint, Community Choice Financial
has no record of contacting...
[redacted].
It appears that she may have been the victim of a scam company. We did
some further research and learned that the Federal Trade Commission (“FTC”) is
aware of scams against consumers similar to that described by [redacted] in
her complaint. At this time, I would encourage her to contact the FTC for
further assistance, information, and to discuss her concerns. The FTC can be
reached at [redacted]), and they may be able to provide [redacted] with additional information about these types of scams and assist her
in resolving any other concerns or answer any other questions that she might
have.
To
ensure [redacted] does not receive communications from us, we have entered
her email into our opt-out database.
Again,
it appears that [redacted] is being contacted by a scam company and I would
strongly encourage her to contact the FTC for further assistance. If,
however, I can provide you with further information or assistance, I would be
pleased to do so. I
can be contact directly by phone at ###-###-#### or via email at [redacted].
Thank you for the opportunity to respond to the recently filed complaint of [redacted]. We appreciate the role the Revdex.com serves in resolving consumer issues and we are happy to provide this response for you. A search of our records determined [redacted] requested a Vehicle...
Title Loan with [redacted], [redacted]), effective on March 5, 2016, in the amount of $3,800.00 with a Finance Charge of $5,867.37, 24, monthly payments of $369.46 starting April 5, 2016, and a maturity date of March 5, 2018. Please see attached [redacted]’s Loan Agreement and his account history with highlighted payments, accrued interest and due dates. [redacted] has not made any payments towards his debt since December 22, 2016. As a result his account was charged off on May 7, 2017 with a balance of $2879.31 and placed on a “Repossession Status”. We encourage [redacted] to contact Colin B[redacted] our [redacted] at ###-###-#### for re-payment options and to avoid repossession. Should [redacted] or the Revdex.com have any additional questions, please contact me directly at [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
yes that right but you also knew that my check did not go in my bank and everything . also you suppose to contract me in some how to ask me when I was gonna pay that a law .
Regards, [redacted]
Thank you for the opportunity to respond to the recently filed complaint of [redacted]. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same herein. According to our records, Ms. [redacted] sought the assistance of Buckeye Credit Solutions, LLC...
(“CheckSmart”), an Ohio Credit Services Organization (“CSO”), in obtaining a loan with NCP Finance Ohio, LLC (“NCP”), an Ohio Mortgage Loan Act licensee. On June 21, 2016, Ms. [redacted] borrowed $510.08, which includes an “Amount Financed” of $400.00 and a “Prepaid Finance Charge” of $110.08. Ms. [redacted]’s loan was payable in two installment payments, detailed as follows: July 4, 2016 $60.98 July 18, 2016 $459.49 Our records indicate that Ms. [redacted] failed to make her payments as agreed and, as a result, her account was referred to CheckSmart’s corporate collections department. After receiving Ms. [redacted]’s defaulted account, on July 24, 2016, CheckSmart initiated an Electronic Funds Transfer (“EFT”) using the account information she provided when she signed the loan agreement. CheckSmart’s EFT attempt was processed as authorized in her agreement. In researching this matter, our records show that on July 25, 2016, Ms. [redacted] spoke to a representative of CheckSmart’s corporate collections department whom assisted her in setting up payment arrangements. However, these arrangements were arranged after the EFT had already been submitted. CheckSmart will still honor the payment arrangements Ms. [redacted] arranged with our corporate collections department. 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 [redacted]@ccfi.com.
Thank you for the opportunity to respond to the recently filed complaint of [redacted]. We appreciate the role the Revdex.com places in resolving consumer concerns. In reviewing Ms. [redacted]’s account, our records show an Installment loan in the amount of $2,501.00 was...
requested on March 3, 2015. When Ms. [redacted] did not make her payments as agreed, the loan was sold to a third party under the terms of the Agreement. On April 5, 2016, Cash Central sold the underlying debt to [redacted] Credit Adjusters. Our records confirm, the information reported to Experian by Cash Central has accurate and permissible based on information in our file. However, given the sale of debt, the tradeline information reported by Cash Central to Experian was updated as “account sold” in May, 2016 and has not been reported since then and the new owner of the debt determines if they report anything to the credit bureaus. As we are no longer owners of the debt; consequently, further contact regarding Ms. [redacted]’s account should be directed to [redacted] Credit Adjusters at ###-###-####. Should the Revdex.com or Ms. [redacted] have any additional questions, I can be reached via phone at ###-###-#### or via email at [redacted]@ccfi.com.
Thank you for the opportunity to respond to the recently
filed complaint of [redacted]. We appreciate the role the RevDex.com serves in resolving consumer concerns.
In her complaint, Ms. [redacted]
states that she was treated rudely by representatives of CheckSmart’s...
corporate
collections department. Our collections department employees are trained to be
professional and supervisors monitor calls regularly to make sure that they are
professional. I have reviewed the available call recordings associated with Ms.
[redacted]’s account in an effort to check into her claims about the lack of
professionalism used by representatives of CheckSmart. I agree that the collections representatives
that spoke with Ms. [redacted] should have used a more professional tone during
their conversations. Please know that
the telephone calls in question have been reviewed with the CheckSmart
corporate collections employees involved.
Ms. [redacted]’s concerns have also been reviewed with management. The employees involved have been reminded of
CheckSmart’s commitment to customer service.
It is never CheckSmart’s intention to treat any of our customers in a
poor manner. As such, I would like to
extend our apologies for any treatment that Ms. [redacted] received that she
perceived to be unacceptable.
Should Ms. [redacted] have any additional questions, she can
contact me directly by phone or by email