This is a response I received from [redacted]:
[redacted]"Hi Terri, so it looks like our team has been in communication with Checksmart but they have been less-than-responsive (as you have already experienced.) We just received the documentation today from our bank showing that the deposit for your check was sent to Checksmart's bank. We have forwarded this documentation to Checksmart, but my team is not optimistic that Checksmart will respond to us. What we would like to do is send you copies of these documents and an explanation of what they mean in case Checksmart continues to attempt to pursue this through court. We will continue to work on this from our end. Can you confirm your address so that I can get these documents sent over to you for your records? We are sending copies of the two submission of the check that we received from the bank, a copy of the cleared check, and a basic rundown of what it all means because it all looks a little funny with the way the bank sends it." I was told that Checksmart refuses to hear or see any documentation to dispel they're insistence that I "stole" money from them, and I did not say I copied the check with my smartphone...Dan P[redacted] stated that I took a copy of the check with my smart phone followed by Alison who I spoke with last week. The conversation I had with Mr. P[redacted] was not recorded, or it was not announced that it was being recorded and HE did threaten to have me arrested for "passing bad checks!" I have spoken to an attorney who believes checksmart is "bullying me." and attempting to cover up an error they made. Revdex.com when I receive the documents from [redacted], proving that Checksmart made this error I will forward to you immediately. Thank you very much for interceding on my behalf.
Regards, [redacted]
Ms. [redacted],I need additional identifying information in order to research this matter further. Please provide the address(es) at which you were living in 2012/13, your phone number(s) for 2012/13, and the last 4 of your Social Security number. Once I have these, I will be able to assist you...
further.Sincerely,JamesOperations SpecialistCommunity Choice Financial, Inc.
I reviewed the response made by the business in reference to complaint ID [redacted]. I have
contacted [redacted] to make arrangements.
However, Ms.
Mulkey did not see any notes on my case in regards to the letter that is
attached from legal to this case. Letter stating to contact her for payment arrangements.
The letter
sent by the legal team says I opened a line of credit in December 30th of 2013.
This is correct.
However, it
fails to mention that I paid off the original line of credit.
By the time
this loan is satisfied for $500.00 they have collected and estimated $1,700
since August of 2014 on this account. I came back and re-barrowed against the
open line credit in July of 2014. This letter give the impression that I have
been owing this company since December of 2013.
[redacted]
first statement is I have no notes on this account which bothers me. She continued
on in this conversation talking very loud and not even reading anything as she
never said let me review the account. To ask any customer prior to reading
"what do you want?" when I was instructed to call her is not an
appropriate way to conduct any form of business especially in a loud tone.
Secondly, telling me this is your problem "you don't write things down and
this is why your in this situation" Well I should not have to write down
anything if the person looking me in the face advises me that they expect
payment on the 15th. Then her aggressive, rude, and loud tone makes me believe
that she was not noting the account as well. [redacted] was very offensive and
makes me apprehensive to say that the agreement she took down is truley what
will take place.
The
agreement is to pay in the store by 6/15 and 7/15 $298.39 and have the account
marked as satisfied once the last payment is made of @298.39.
Her statement
of "I will mark this account as never be eligible to barrow from us
again" as some kind of threat makes me believe she is referencing my
credit report. I have no intentions of ever barrowing from a company that says
one thing but does another. I take responsibility for not reading the contract
fully and understanding however, I know what I was told in the store because I
would never agree to anything coming out on 26th, 27th,
30th, 31st of any month as I am Paid which was written on
the 1sth and the 15th.
I will mark
this case as I have accepted once they go through what [redacted] agreed to as
of 7/15/2015.
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. According to Ms. [redacted] complaint, she spoke with the store manager, requesting that CheckSmart hold her payment...
until June 8, 2016. However, CheckSmart sent her payment through on June 3, 2016, causing overdraft fees and is requesting a refund for those fees. In researching Ms. [redacted] complaint, our records indicate the store manager contacted our corporate collections department to hold Ms. [redacted] payment to a later date, however the agent did not properly handle Ms. [redacted]’ account, and as a result, an Electronic Funds Transfer (“EFT”) was initiated on June 3, 2016. Rest assured, CheckSmart has taken the proper corrective action to address this matter with the agent, to ensure it does not happen again. We apologize for the inconvenience this caused Ms. [redacted]. Due to the inconvenience Ms. [redacted] experienced, we can issue a refund for the fees she was charged by her bank provided that she submits documentation evidencing the fees associated with this situation. We ask that Ms. [redacted] contact Jessica J[redacted], a supervisor in CheckSmart’s collection department, for assistance with this refund. Ms. J[redacted] can be reached at ###-###-####, extension [redacted]. Should Ms. [redacted] have any additional questions, 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 concerns.
In reviewing Ms. [redacted]’s account, our records indicate Ms. [redacted] made a payment of $181.00 on May...
22,
2015 with our corporate collection department.
Due to an internal processing
error, processing of Ms. [redacted]’s payment, as well as the application of her
payment to her account balance was delayed.
Unfortunately, following receipt
of Ms. [redacted]’s payment, we experienced an internal system error causing Ms.
[redacted]’s account to continue to appear unpaid. I can confirm that Ms.
[redacted]’s account has been updated and is now paid in full.
I’d like to apologize to Ms.
[redacted] for any inconvenience and frustration this matter may have caused her.
Should Ms. [redacted] have any
additional questions, I can be contact directly by phone at ###-###-####.
I still have not received any statement or letter showing that this loan is paid in full. They are telling me that they cannot provide me with anything. Why cant they give me something showing it paid in full or a statement that shows paid in full. I have not received anything since I made the final payment.
My daughter has actually gotten MORE phone calls since I filed the complaint. The number that was originally calling has stopped, but they have started calling from the following numbers: ########, ###-###-####, ###-###-####, ###-###-####, ###-###-####, ###-###-####, ###-###-####, as well as many calls that are coming in as UNKNOWN numbers. They are all leaving very vague messages, recorded messages, saying to return the call @ ###-###-####. I have done some investigating into the numbers and they are also coming from a business that is associated with Check smart. I was assured by Check smart that the number was removed from their system when I told them that we DO NOT KNOW [redacted] and that this number was in fact my daughters cell phone number and NOT his home number. I also told them that if I knew him, I would give them his phone number so they would leave my daughter alone, and that they clearly had his ADDRESS, to send him a certified letter!! My daughter is a college student and the number of calls she is getting is UNACCEPTABLE!! ZERO...is the acceptable number. She has had at least 42 since August 13th. (this is from the numbers listed above, and not the original [redacted] number. ) I was also told by someone today that they don't even deal with people in **> Here's your sign: We are from **. The phone number they are HARRASSING my daughter at is ###-###-####, which is her CELL #, not the house # for [redacted].
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. According to [redacted] compliant, after she had paid off her [redacted]...
[redacted]. (“[redacted]”), she was told her title would be returned to her within 7 days. However, she has not received her title and is requesting we promptly return it to her. In researching [redacted] complaint, we found that the District Manager of the retail branch, in which she conducted business, has spoken directly with [redacted], and expedited the process to have [redacted] title returned to her. [redacted] expressed satisfaction with the resolution. [redacted] would like to apologize for any inconvenience this may have caused [redacted] Should the Revdex.com or [redacted] have any additional questions, 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 Ms. [redacted]. Cash Central of Idaho, LLC (“Cash Central”) 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 on October 19, 2017 she received notification from her credit-monitoring agency regarding a debt with Cash Central. Ms. [redacted] adds she contacted Cash Central to claim identity theft and provided all of the required documents to support her claim, but she received a letter informing her she owes the debt. Ms. [redacted] requests to have this debt removed from her credit. A search of our records determined on September 20, 2017, an Installment Loan with Cash Central was obtained under Ms. [redacted]’s name for $3,000.00, with bi-weekly payments of $221.51 and a Maturity Date of September 20, 2019. Cash Central did not receive any payments against this debt, and the account defaulted into Cash Central’s Collections department on October 12, 2017. On October 20, 2017, Ms. [redacted] contacted Cash Central and began an Identity Theft process with Cash Central’s Fraud Department. Cash Central would like to thank Ms. [redacted] for her cooperation with the Identity Theft process and for providing the required supporting documents (notarized affidavit, copy of her police report, and a copy of her government-issued ID) to initiate the investigation.On November 20, 2017, Cash Central concluded the investigation with verified identity theft and closed the account as fraudulent. Cash Central will not undertake any effort to collect on the debt from Ms. [redacted] and has requested the credit-reporting agencies to remove any information concerning the Cash Central loan from Ms. [redacted]’s credit.Cash Central apologizes for the delay of this investigation and for any inconveniences this situation may have caused Ms. [redacted]. The findings of the Identity Theft investigation have been provided to Ms. [redacted] via a letter mailed to the address she provided on her report. The letter has been attached to this response.Should Ms. [redacted] or the Revdex.com have any additional questions or concerns, please contact me directly to [redacted]@ccfi.com.
Thank you for the opportunity to respond to the recently filed complaint of Ms. [redacted]. First Virginia Financial Services, LLC (“First Virginia”) 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 she was placed on payment arrangements for her Line of Credit with First Virginia starting with a payment of $136.00 on September 9, 2017, but her account was debited on September 9, 2017 for $267.00 instead. Ms. [redacted] requests a refund of the $267.00 payment and her payment arrangements to be honored. A search of our records determined that Ms. [redacted] opened a Line of Credit on February 14, 2015 with a credit limit of $600.00 and payments scheduled on the 9th of each month. Ms. [redacted] did not make her August 9, 2017 payment and her account defaulted into First Virginia’s Collections department on August 18, 2017. On August 17, 2017, Ms. [redacted] contacted First Virginia and asked to be provided with the balance due of her account. She was advised that her account was not yet transferred into the Collections department and to call at a later time. We found no record of payment accommodations arranged on this call or any other call after this date. On September 1, 2017, after all efforts to contact Ms. [redacted] were exhausted, First Virginia initiated an Electronic Funds Transfer (EFT) in the amount of $267.00 against Ms. [redacted]’s bank account. When a customer’s account defaults into the Collections department, per terms of the Line of Credit Agreement, First Virginia can, at any time, schedule an EFT against the customer’s bank account for the amount owed. We would like to offer our most sincere apologies to Ms. [redacted]; however, First Virginia is not in the position to offer her a refund at this time. Should Ms. [redacted] or the Revdex.com have any questions or concerns, please contact me directly at [redacted]@ccfi.com
[redacted] This letter responds to your correspondence of May 4, 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] initiated an...
open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on December 30, 2013. [redacted] initially took an advance of $800.00 on that date. On July 31, 2014, [redacted] initiated an additional $500.00 advance against that same line of credit. The disclosures in the Line of Credit Agreement (“Agreement”) explain how the interest and fees are calculated in each billing cycle.
[redacted]’s complaint, as I understand it, is regarding what she characterizes as “unauthorized withdrawals” from her bank account. What [redacted] may have forgotten is that as part of her Agreement she authorized Automated Clearing House (“ACH”) debit entries from her bank account. For ease of reference, I have enclosed a copy of [redacted]’s Agreement dated December 30, 2013.
Consistent with the authorization [redacted] gave, our records indicate that ACH payments were processed against [redacted]’s bank account as follows: August 2, 2014, in the amount of $86.47; October 2, 2014, in the amount of $99.78; October 30, 2014, in the amount of $110.41; November 26, 2014, in the amount of $110.40; December 31, 2014, in the amount of $109.86; January 29, 2015, in the amount of $89.72; February 26, 2015, in the amount of $95.99; March 26, 2015, in the amount of $89.73; and, April 30, 2015, in the amount of $89.72. Our records further indicate that an ACH processed on April 30, 2015 ($89.72) was returned as there was a stop payment issued by the customer.
I have reviewed our records and, at this time, it does not appear that [redacted] has ever sent in a written request terminating the ACH/EFT Authorization she previously provided. As a courtesy to [redacted], based on her complaint, First Virginia has used her complaint as notice to terminate her ACH/EFT Authorization. [redacted]’s account has been updated and no future ACH/EFT payments will be processed by First Virginia relative to this line of credit.
As previously stated, at this time, [redacted] has a past due balance on her Line of Credit in the amount of $542.41. Because First Virginia understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amounts. First Virginia’s records do not indicate that, at this time, [redacted] has made any specific arrangements for repayment of her past due balance. Therefore, [redacted]’s account has been placed in a “hold” status, which means that interest accrual and collection efforts have been temporarily suspended on her account. We are doing this as an accommodation to her and ask that she contact [redacted], a senior supervisor in our collections area, to make arrangements for payment of her past due balance. [redacted] can be reached at ###-###-####, extension [redacted], but [redacted] must contact her prior to May 27, 2015. If we have not heard from [redacted] by this time, collection activity will resume on her account. We hope that [redacted] will take this opportunity to contact [redacted]. If [redacted] is looking for a way to fully pay-off this line of credit, [redacted] will be happy to review the account with her in an effort to work out an arrangement where [redacted]’s line of credit might be paid-off and closed out.
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]
Thank you for the opportunity to respond to the recently filed complaint by Mr. [redacted]. Buckeye Credit Solutions, LLC ("CheckSmart") appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for you. To summarize his...
complaint, Mr. [redacted] states that he paid off his loan twice with our company via cash in the store and a check presented to his bank. He states that he paid Check Smart $471.00 in the store but his check was deposited as well and he has not received a refund of the overpayment. The customer would like a refund of $471.00 A search of the records shows Mr. [redacted] received a payday loan on September 2, 2017 in the amount of $400.00 with a due date of September 21, 2017. On September 22, 2017, the check Mr. [redacted] wrote to cover the Principal and the advance fees in the amount of $471.00 was sent to the bank since Mr. [redacted] did not come to the store on his due date, nor call to make arrangements. The check returned from the bank on September 28, 2017 for insufficient funds and a return fee of $1.15 was assessed. On September 29, 2017, Mr. [redacted]'s account was sent to CheckSmart's Collections department due to default. Mr. [redacted] arrived to the store on October 19, 2017 and paid $472.15 in cash for the loan, however the Collections department had already sent an ACH to debit Mr. [redacted]'s bank account, this transaction did not clear until October 25, 2017. On October 27, 2017 an agent in the store called the Collections department requesting for a refund of the overpayment after the payment cleared Mr. [redacted]'s bank account and the Collection's payment system. The Electronic Funds Transfer department received the request and advised the store a refund could be issued directly to the customer in cash. The customer went to the store and received his refund on November 6, 2017. Should Mr. [redacted] or the Revdex.com have any questions or concerns, please contact me directly at [redacted]@ccfi.com.
Thank you for the opportunity to respond to the recently filed complaint by Ms. [redacted]. We appreciate the role the Revdex.com serves in resolving consumer concerns and we are happy to provide this response for you. To summarize her complaint, Ms. [redacted] states that a check issued...
to CheckSmart was presented to her bank account on July 21, 2017 as payment of her loan. Ms. [redacted] adds that on the same day, she visited the store and contacted our collections department to confirm the payment had cleared in our system but she was advised the payment was still pending. Ms. [redacted] requests her account status to be updated. According to our records on July 21, 2017 CheckSmart initiated an Electronic Funds Transfer (“EFT”) payment for Ms. [redacted]’s outstanding balance, using the bank account she provided on her loan application. While Ms. [redacted] states she provided a bank statement showing the payment cleared her bank account our procedures place a five (5) business day hold on the account to insure the payment clears. We have determined that Ms. [redacted]’s account status was updated on July 26, 2017 and she subsequently requested a new Payday Loan on July 27, 2017. Should the Revdex.com or Ms. [redacted] have any additional questions or concerns, please contact me directly 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 plays in resolving consumer...
concerns.
In reviewing the information submitted
by Ms. [redacted], her phone number was provided in error. Upon receiving
Ms. [redacted]’s complaint, we immediately removed her phone number from our
system and can confirm her number has been permanently removed so no additional
calls are placed to her.
We apologize for any inconvenience this
caused Ms. [redacted].
Should Ms. [redacted] have any additional
questions, she can contact me directly by phone 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 and hope to address the same herein. Perhaps [redacted] Capital, LLC, would be able to better assist in resolving...
this matter. According to our records, Ms. [redacted]’s account was sold on June 30, 2016, to [redacted] Capital, LLC. Due to the sale of this debt to [redacted] Capital, LLC, and due to the length of time that has elapsed since the sale of Ms. [redacted]’s debt, Check & Go does not have the authority to collect on this debt and has not since June 30, 2016. Please direct any additional concerns regarding Ms. [redacted]’s complaint to: [redacted] Capital, LLC [redacted] Street, Suite 100 Petaluma, CA 94952 Toll Free: ###-###-#### Fax: ###-###-####
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. According to our records, Ms. [redacted] contacted Check Smart’s
corporate collections department on August 27, 2015...
claiming a loan had been
erroneously taken out in her name. In an effort to assist her with her claim of
fraud, Ms. [redacted] was advised to file a police report. Because documentation of
the alleged identity theft was not received within 14 days, on September 11, 2015, CheckSmart initiated an
Electronic Funds Transfer (“EFT”) using the account information provided when
the loan agreement was signed. CheckSmart’s EFT attempts were done in
accordance with the agreement. We have issued a refund to Ms. [redacted] on September 21, 2015
in the amount of $260.96 and have placed the account in a “Hold” status, which suspended
the collections efforts. We apologize
for the inconvenience Ms. [redacted] experienced as a result of this. Due to the inconvenience, we
are willing to issue a refund for the fees she was charged by her bank provided
that she submits documentation evidencing the fees associated with this
situation. Ms. [redacted] may take her bank
statements to her local branch showing the additional fees she received or she
can fax a copy to Pat M[redacted] at ###-###-####, referencing Master# [redacted] Should Ms. [redacted] have any additional questions, I can be contact directly by phone at ###-###-####.
I don't appreciate this business claiming that they made no further calls. If in fact this is the case, then how did she get the messages on her cellphone AFTER the date we were told they removed her number? I had to file the SECOND complaint when the calls got worse. Thank God they have stopped SINCE THE 2nd COMPLAINT WAS FILED. If in fact they stopped, then where & how did I get all of the numbers to list? All I wanted was for the calls to stop. I didn't want lied to. We made it known MONTHS AGO that they had the wrong number, on numerous occasions. Just correct the problem, WITHOUT LYING ABOUT IT. If you would like me to contact my carrier and get the dates, times, and phone numbers that came in from this company, I will do so. As for now, the calls have stopped. But let me remind you, it was AFTER the 2nd complaint, not as stated by the company. Thank you.
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and have spoken on the phone with Cash Central. We have reached an amicable resolution that will be completed in 30 days.
This is a response I received from [redacted]:
[redacted]"Hi Terri, so it looks like our team has been in communication with Checksmart but they have been less-than-responsive (as you have already experienced.) We just received the documentation today from our bank showing that the deposit for your check was sent to Checksmart's bank. We have forwarded this documentation to Checksmart, but my team is not optimistic that Checksmart will respond to us. What we would like to do is send you copies of these documents and an explanation of what they mean in case Checksmart continues to attempt to pursue this through court. We will continue to work on this from our end. Can you confirm your address so that I can get these documents sent over to you for your records? We are sending copies of the two submission of the check that we received from the bank, a copy of the cleared check, and a basic rundown of what it all means because it all looks a little funny with the way the bank sends it." I was told that Checksmart refuses to hear or see any documentation to dispel they're insistence that I "stole" money from them, and I did not say I copied the check with my smartphone...Dan P[redacted] stated that I took a copy of the check with my smart phone followed by Alison who I spoke with last week. The conversation I had with Mr. P[redacted] was not recorded, or it was not announced that it was being recorded and HE did threaten to have me arrested for "passing bad checks!" I have spoken to an attorney who believes checksmart is "bullying me." and attempting to cover up an error they made. Revdex.com when I receive the documents from [redacted], proving that Checksmart made this error I will forward to you immediately. Thank you very much for interceding on my behalf.
Regards, [redacted]
Ms. [redacted],I need additional identifying information in order to research this matter further. Please provide the address(es) at which you were living in 2012/13, your phone number(s) for 2012/13, and the last 4 of your Social Security number. Once I have these, I will be able to assist you...
further.Sincerely,JamesOperations SpecialistCommunity Choice Financial, Inc.
I reviewed the response made by the business in reference to complaint ID [redacted]. I have
contacted [redacted] to make arrangements.
However, Ms.
Mulkey did not see any notes on my case in regards to the letter that is
attached from legal to this case. Letter stating to contact her for payment arrangements.
The letter
sent by the legal team says I opened a line of credit in December 30th of 2013.
This is correct.
However, it
fails to mention that I paid off the original line of credit.
By the time
this loan is satisfied for $500.00 they have collected and estimated $1,700
since August of 2014 on this account. I came back and re-barrowed against the
open line credit in July of 2014. This letter give the impression that I have
been owing this company since December of 2013.
[redacted]
first statement is I have no notes on this account which bothers me. She continued
on in this conversation talking very loud and not even reading anything as she
never said let me review the account. To ask any customer prior to reading
"what do you want?" when I was instructed to call her is not an
appropriate way to conduct any form of business especially in a loud tone.
Secondly, telling me this is your problem "you don't write things down and
this is why your in this situation" Well I should not have to write down
anything if the person looking me in the face advises me that they expect
payment on the 15th. Then her aggressive, rude, and loud tone makes me believe
that she was not noting the account as well. [redacted] was very offensive and
makes me apprehensive to say that the agreement she took down is truley what
will take place.
The
agreement is to pay in the store by 6/15 and 7/15 $298.39 and have the account
marked as satisfied once the last payment is made of @298.39.
Her statement
of "I will mark this account as never be eligible to barrow from us
again" as some kind of threat makes me believe she is referencing my
credit report. I have no intentions of ever barrowing from a company that says
one thing but does another. I take responsibility for not reading the contract
fully and understanding however, I know what I was told in the store because I
would never agree to anything coming out on 26th, 27th,
30th, 31st of any month as I am Paid which was written on
the 1sth and the 15th.
I will mark
this case as I have accepted once they go through what [redacted] agreed to as
of 7/15/2015.
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. According to Ms. [redacted] complaint, she spoke with the store manager, requesting that CheckSmart hold her payment...
until June 8, 2016. However, CheckSmart sent her payment through on June 3, 2016, causing overdraft fees and is requesting a refund for those fees. In researching Ms. [redacted] complaint, our records indicate the store manager contacted our corporate collections department to hold Ms. [redacted] payment to a later date, however the agent did not properly handle Ms. [redacted]’ account, and as a result, an Electronic Funds Transfer (“EFT”) was initiated on June 3, 2016. Rest assured, CheckSmart has taken the proper corrective action to address this matter with the agent, to ensure it does not happen again. We apologize for the inconvenience this caused Ms. [redacted]. Due to the inconvenience Ms. [redacted] experienced, we can issue a refund for the fees she was charged by her bank provided that she submits documentation evidencing the fees associated with this situation. We ask that Ms. [redacted] contact Jessica J[redacted], a supervisor in CheckSmart’s collection department, for assistance with this refund. Ms. J[redacted] can be reached at ###-###-####, extension [redacted]. Should Ms. [redacted] have any additional questions, 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 concerns.
In reviewing Ms. [redacted]’s account, our records indicate Ms. [redacted] made a payment of $181.00 on May...
22,
2015 with our corporate collection department.
Due to an internal processing
error, processing of Ms. [redacted]’s payment, as well as the application of her
payment to her account balance was delayed.
Unfortunately, following receipt
of Ms. [redacted]’s payment, we experienced an internal system error causing Ms.
[redacted]’s account to continue to appear unpaid. I can confirm that Ms.
[redacted]’s account has been updated and is now paid in full.
I’d like to apologize to Ms.
[redacted] for any inconvenience and frustration this matter may have caused her.
Should Ms. [redacted] have any
additional questions, I can be contact directly by phone at ###-###-####.
I still have not received any statement or letter showing that this loan is paid in full. They are telling me that they cannot provide me with anything. Why cant they give me something showing it paid in full or a statement that shows paid in full. I have not received anything since I made the final payment.
My daughter has actually gotten MORE phone calls since I filed the complaint. The number that was originally calling has stopped, but they have started calling from the following numbers: ########, ###-###-####, ###-###-####, ###-###-####, ###-###-####, ###-###-####, ###-###-####, as well as many calls that are coming in as UNKNOWN numbers. They are all leaving very vague messages, recorded messages, saying to return the call @ ###-###-####. I have done some investigating into the numbers and they are also coming from a business that is associated with Check smart. I was assured by Check smart that the number was removed from their system when I told them that we DO NOT KNOW [redacted] and that this number was in fact my daughters cell phone number and NOT his home number. I also told them that if I knew him, I would give them his phone number so they would leave my daughter alone, and that they clearly had his ADDRESS, to send him a certified letter!! My daughter is a college student and the number of calls she is getting is UNACCEPTABLE!! ZERO...is the acceptable number. She has had at least 42 since August 13th. (this is from the numbers listed above, and not the original [redacted] number. ) I was also told by someone today that they don't even deal with people in **> Here's your sign: We are from **. The phone number they are HARRASSING my daughter at is ###-###-####, which is her CELL #, not the house # for [redacted].
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. According to [redacted] compliant, after she had paid off her [redacted]...
[redacted]. (“[redacted]”), she was told her title would be returned to her within 7 days. However, she has not received her title and is requesting we promptly return it to her. In researching [redacted] complaint, we found that the District Manager of the retail branch, in which she conducted business, has spoken directly with [redacted], and expedited the process to have [redacted] title returned to her. [redacted] expressed satisfaction with the resolution. [redacted] would like to apologize for any inconvenience this may have caused [redacted] Should the Revdex.com or [redacted] have any additional questions, 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 Ms. [redacted]. Cash Central of Idaho, LLC (“Cash Central”) 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 on October 19, 2017 she received notification from her credit-monitoring agency regarding a debt with Cash Central. Ms. [redacted] adds she contacted Cash Central to claim identity theft and provided all of the required documents to support her claim, but she received a letter informing her she owes the debt. Ms. [redacted] requests to have this debt removed from her credit. A search of our records determined on September 20, 2017, an Installment Loan with Cash Central was obtained under Ms. [redacted]’s name for $3,000.00, with bi-weekly payments of $221.51 and a Maturity Date of September 20, 2019. Cash Central did not receive any payments against this debt, and the account defaulted into Cash Central’s Collections department on October 12, 2017. On October 20, 2017, Ms. [redacted] contacted Cash Central and began an Identity Theft process with Cash Central’s Fraud Department. Cash Central would like to thank Ms. [redacted] for her cooperation with the Identity Theft process and for providing the required supporting documents (notarized affidavit, copy of her police report, and a copy of her government-issued ID) to initiate the investigation.On November 20, 2017, Cash Central concluded the investigation with verified identity theft and closed the account as fraudulent. Cash Central will not undertake any effort to collect on the debt from Ms. [redacted] and has requested the credit-reporting agencies to remove any information concerning the Cash Central loan from Ms. [redacted]’s credit.Cash Central apologizes for the delay of this investigation and for any inconveniences this situation may have caused Ms. [redacted]. The findings of the Identity Theft investigation have been provided to Ms. [redacted] via a letter mailed to the address she provided on her report. The letter has been attached to this response.Should Ms. [redacted] or the Revdex.com have any additional questions or concerns, please contact me directly to [redacted]@ccfi.com.
Thank you for the opportunity to respond to the recently filed complaint of Ms. [redacted]. First Virginia Financial Services, LLC (“First Virginia”) 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 she was placed on payment arrangements for her Line of Credit with First Virginia starting with a payment of $136.00 on September 9, 2017, but her account was debited on September 9, 2017 for $267.00 instead. Ms. [redacted] requests a refund of the $267.00 payment and her payment arrangements to be honored. A search of our records determined that Ms. [redacted] opened a Line of Credit on February 14, 2015 with a credit limit of $600.00 and payments scheduled on the 9th of each month. Ms. [redacted] did not make her August 9, 2017 payment and her account defaulted into First Virginia’s Collections department on August 18, 2017. On August 17, 2017, Ms. [redacted] contacted First Virginia and asked to be provided with the balance due of her account. She was advised that her account was not yet transferred into the Collections department and to call at a later time. We found no record of payment accommodations arranged on this call or any other call after this date. On September 1, 2017, after all efforts to contact Ms. [redacted] were exhausted, First Virginia initiated an Electronic Funds Transfer (EFT) in the amount of $267.00 against Ms. [redacted]’s bank account. When a customer’s account defaults into the Collections department, per terms of the Line of Credit Agreement, First Virginia can, at any time, schedule an EFT against the customer’s bank account for the amount owed. We would like to offer our most sincere apologies to Ms. [redacted]; however, First Virginia is not in the position to offer her a refund at this time. Should Ms. [redacted] or the Revdex.com have any questions or concerns, please contact me directly at [redacted]@ccfi.com
[redacted] This letter responds to your correspondence of May 4, 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] initiated an...
open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on December 30, 2013. [redacted] initially took an advance of $800.00 on that date. On July 31, 2014, [redacted] initiated an additional $500.00 advance against that same line of credit. The disclosures in the Line of Credit Agreement (“Agreement”) explain how the interest and fees are calculated in each billing cycle.
[redacted]’s complaint, as I understand it, is regarding what she characterizes as “unauthorized withdrawals” from her bank account. What [redacted] may have forgotten is that as part of her Agreement she authorized Automated Clearing House (“ACH”) debit entries from her bank account. For ease of reference, I have enclosed a copy of [redacted]’s Agreement dated December 30, 2013.
Consistent with the authorization [redacted] gave, our records indicate that ACH payments were processed against [redacted]’s bank account as follows: August 2, 2014, in the amount of $86.47; October 2, 2014, in the amount of $99.78; October 30, 2014, in the amount of $110.41; November 26, 2014, in the amount of $110.40; December 31, 2014, in the amount of $109.86; January 29, 2015, in the amount of $89.72; February 26, 2015, in the amount of $95.99; March 26, 2015, in the amount of $89.73; and, April 30, 2015, in the amount of $89.72. Our records further indicate that an ACH processed on April 30, 2015 ($89.72) was returned as there was a stop payment issued by the customer.
I have reviewed our records and, at this time, it does not appear that [redacted] has ever sent in a written request terminating the ACH/EFT Authorization she previously provided. As a courtesy to [redacted], based on her complaint, First Virginia has used her complaint as notice to terminate her ACH/EFT Authorization. [redacted]’s account has been updated and no future ACH/EFT payments will be processed by First Virginia relative to this line of credit.
As previously stated, at this time, [redacted] has a past due balance on her Line of Credit in the amount of $542.41. Because First Virginia understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amounts. First Virginia’s records do not indicate that, at this time, [redacted] has made any specific arrangements for repayment of her past due balance. Therefore, [redacted]’s account has been placed in a “hold” status, which means that interest accrual and collection efforts have been temporarily suspended on her account. We are doing this as an accommodation to her and ask that she contact [redacted], a senior supervisor in our collections area, to make arrangements for payment of her past due balance. [redacted] can be reached at ###-###-####, extension [redacted], but [redacted] must contact her prior to May 27, 2015. If we have not heard from [redacted] by this time, collection activity will resume on her account. We hope that [redacted] will take this opportunity to contact [redacted]. If [redacted] is looking for a way to fully pay-off this line of credit, [redacted] will be happy to review the account with her in an effort to work out an arrangement where [redacted]’s line of credit might be paid-off and closed out.
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]
Attached please find the paid in full statement as requested.
Thank you for the opportunity to respond to the recently filed complaint by Mr. [redacted]. Buckeye Credit Solutions, LLC ("CheckSmart") appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for you. To summarize his...
complaint, Mr. [redacted] states that he paid off his loan twice with our company via cash in the store and a check presented to his bank. He states that he paid Check Smart $471.00 in the store but his check was deposited as well and he has not received a refund of the overpayment. The customer would like a refund of $471.00 A search of the records shows Mr. [redacted] received a payday loan on September 2, 2017 in the amount of $400.00 with a due date of September 21, 2017. On September 22, 2017, the check Mr. [redacted] wrote to cover the Principal and the advance fees in the amount of $471.00 was sent to the bank since Mr. [redacted] did not come to the store on his due date, nor call to make arrangements. The check returned from the bank on September 28, 2017 for insufficient funds and a return fee of $1.15 was assessed. On September 29, 2017, Mr. [redacted]'s account was sent to CheckSmart's Collections department due to default. Mr. [redacted] arrived to the store on October 19, 2017 and paid $472.15 in cash for the loan, however the Collections department had already sent an ACH to debit Mr. [redacted]'s bank account, this transaction did not clear until October 25, 2017. On October 27, 2017 an agent in the store called the Collections department requesting for a refund of the overpayment after the payment cleared Mr. [redacted]'s bank account and the Collection's payment system. The Electronic Funds Transfer department received the request and advised the store a refund could be issued directly to the customer in cash. The customer went to the store and received his refund on November 6, 2017. Should Mr. [redacted] or the Revdex.com have any questions or concerns, please contact me directly at [redacted]@ccfi.com.
Thank you for the opportunity to respond to the recently filed complaint by Ms. [redacted]. We appreciate the role the Revdex.com serves in resolving consumer concerns and we are happy to provide this response for you. To summarize her complaint, Ms. [redacted] states that a check issued...
to CheckSmart was presented to her bank account on July 21, 2017 as payment of her loan. Ms. [redacted] adds that on the same day, she visited the store and contacted our collections department to confirm the payment had cleared in our system but she was advised the payment was still pending. Ms. [redacted] requests her account status to be updated. According to our records on July 21, 2017 CheckSmart initiated an Electronic Funds Transfer (“EFT”) payment for Ms. [redacted]’s outstanding balance, using the bank account she provided on her loan application. While Ms. [redacted] states she provided a bank statement showing the payment cleared her bank account our procedures place a five (5) business day hold on the account to insure the payment clears. We have determined that Ms. [redacted]’s account status was updated on July 26, 2017 and she subsequently requested a new Payday Loan on July 27, 2017. Should the Revdex.com or Ms. [redacted] have any additional questions or concerns, please contact me directly 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 plays in resolving consumer...
concerns.
In reviewing the information submitted
by Ms. [redacted], her phone number was provided in error. Upon receiving
Ms. [redacted]’s complaint, we immediately removed her phone number from our
system and can confirm her number has been permanently removed so no additional
calls are placed to her.
We apologize for any inconvenience this
caused Ms. [redacted].
Should Ms. [redacted] have any additional
questions, she can contact me directly by phone 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 and hope to address the same herein. Perhaps [redacted] Capital, LLC, would be able to better assist in resolving...
this matter. According to our records, Ms. [redacted]’s account was sold on June 30, 2016, to [redacted] Capital, LLC. Due to the sale of this debt to [redacted] Capital, LLC, and due to the length of time that has elapsed since the sale of Ms. [redacted]’s debt, Check & Go does not have the authority to collect on this debt and has not since June 30, 2016. Please direct any additional concerns regarding Ms. [redacted]’s complaint to: [redacted] Capital, LLC [redacted] Street, Suite 100 Petaluma, CA 94952 Toll Free: ###-###-#### Fax: ###-###-####
We have waived
the $15.00 late fee and marked his account as paid in full.
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. According to our records, Ms. [redacted] contacted Check Smart’s
corporate collections department on August 27, 2015...
claiming a loan had been
erroneously taken out in her name. In an effort to assist her with her claim of
fraud, Ms. [redacted] was advised to file a police report. Because documentation of
the alleged identity theft was not received within 14 days, on September 11, 2015, CheckSmart initiated an
Electronic Funds Transfer (“EFT”) using the account information provided when
the loan agreement was signed. CheckSmart’s EFT attempts were done in
accordance with the agreement. We have issued a refund to Ms. [redacted] on September 21, 2015
in the amount of $260.96 and have placed the account in a “Hold” status, which suspended
the collections efforts. We apologize
for the inconvenience Ms. [redacted] experienced as a result of this. Due to the inconvenience, we
are willing to issue a refund for the fees she was charged by her bank provided
that she submits documentation evidencing the fees associated with this
situation. Ms. [redacted] may take her bank
statements to her local branch showing the additional fees she received or she
can fax a copy to Pat M[redacted] at ###-###-####, referencing Master# [redacted] Should Ms. [redacted] have any additional questions, I can be contact directly by phone at ###-###-####.
I don't appreciate this business claiming that they made no further calls. If in fact this is the case, then how did she get the messages on her cellphone AFTER the date we were told they removed her number? I had to file the SECOND complaint when the calls got worse. Thank God they have stopped SINCE THE 2nd COMPLAINT WAS FILED. If in fact they stopped, then where & how did I get all of the numbers to list? All I wanted was for the calls to stop. I didn't want lied to. We made it known MONTHS AGO that they had the wrong number, on numerous occasions. Just correct the problem, WITHOUT LYING ABOUT IT. If you would like me to contact my carrier and get the dates, times, and phone numbers that came in from this company, I will do so. As for now, the calls have stopped. But let me remind you, it was AFTER the 2nd complaint, not as stated by the company. Thank you.
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and have spoken on the phone with Cash Central. We have reached an amicable resolution that will be completed in 30 days.