In response to your email to me dated July 29, 2016, please find attached additional a letter containing my "response" to the resolution submitted by CCFI and additional documentation that I am requesting be made a part of my file concerning the above mentioned complaint. Thank you. [redacted]Good afternoon,First and foremost, I want to express my sincere appreciation and gratitude for your prompt action on Complaint ID#: [redacted], which I initially filed with the Revdex.com of Central OH on 7/26/2016.I’ve read your email dated 7/29/2016, and I accept the response from CCFI, and their offer to honor the agreement I set up with CheckSmart Collections Department on Monday, July, 25, 2016, which entails an installment payment arrangement of four payments in the amount of $75.61, which became effective on Monday, July 25, 2016. The three remaining installments of $75.61 to be paid by me, on every other Monday, , August 8, August 22, and September 5, 2016. I am also asking for the assurance that my checking account with [redacted], WILL NOT BE DEBITED by CheckSmart or CCFI, without my authorization to do so when paying off the balance due on this debt.I accept CCFI’s response, with the stipulation that the following CORRECTIONS to the statements made by the CCFI representative who responded to the Revdex.com, be included in my file:First, the payment of $60.98 that was due on July 4, 2016, WAS paid by me, in person, at the CheckSmart Store location on 658 Main Street in Cincinnati, OH, 45202, on July 1, 2016, at 2:01:22 pm; for Account #[redacted], which was the account number assigned to this Loan by the initial lender, NCP. This payment was processed by Clerk ID#: [redacted]; Terminal ID#: [redacted]; Transaction Code : [redacted].Secondly, I am a seasonal employee with the [redacted] in [redacted], and was furloughed/laid off on June 30, 2016. On July 7, 2016, I returned to my home state of [redacted]. On Monday, July 11, 2016, I called the CheckSmart Store location on [redacted], spoke with an employee named Anthony, and explained that I had been laid off and wanted to know who I could talk to about setting up payment arrangements so that I could pay off the balance due on said Loan. He told me I would need to talk with the Lender who owned the loan and gave me the telephone number for the NCP Finance Office in Dayton, OH. I then hung up with Anthony and immediately called the number he had given me. I spoke with Allison at the NCP office and explained that I was laid off, but that I was prepared to pay $158.00 on the balance due on the loan. She then gave me the mailing address to send the payment in to. On Tuesday, July 12, 2016, I purchased a Money Order# [redacted], in the amount of $158.00, and mailed said money order to NCP, so that it would reach them previous to my next due date of July 18, 2016. Several day later, I made a follow-up call to NCP and was told that the Money Order payment of $158.00 had been received.I wasn’t aware that this Loan had been turned back over to CheckSmart until I spoke with a customer service rep at NCP on July 25, 2016, when I called their offices to make another payment on said loan. I was told by the NCP rep that the loan had been turned back over to CheckSmart and was now being handled by CheckSmart. I then called the CheckSmart Store on Main Street in Cincinnati, spoke with an employee who identified herself as C. C., explained the reason for my call, and was given the telephone number of the CheckSmart Corporate Office by C. C. I called CheckSmart’s Corporate Office immediately after hanging up with C. C. and was eventually routed to “Aaron” with whom I set up the payment installment agreement, and also with whom I made the first payment of $75.61, over the phone.This additional information is being provided to show that I had every intention of honoring my obligation to CheckSmart to pay the balance due on this loan and that I initiated contact with them once I became laid off from work so that I could set up some type of payment arrangements with CheckSmart. From July 1, 2016 to July 11, 2016, I had already submitted payments totaling $218.98 on this loan previous to it being turned over to CheckSmart Collections’ Department, and I intend to follow through by submitting the remaining payments to CheckSmart by the due dates stipulated in my agreement with Aaron. If you still need a copy of the receipt from the payment I made in person at the ChcckSmart Store, on 7/01/2016, and of the Money Order receipt for $158.00 which I mailed in to NCP, I will be happy to provide you with them. Thank you.
Thank you for the opportunity to respond to the recently filed complaint by Mr. [redacted]. Cash Central of Utah, LLC (“Cash Central”) appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for you. To summarize his complaint,...
Mr. [redacted] states he is a victim of identity theft and a loan of $3,000.00 was taken out in his name without his authorization. Mr. [redacted] states that he has never heard of Cash Central, and he has no need of a high interest loan because he has excellent credit. The loan information states he resides in Utah, and Mr. [redacted] lives in New Mexico. He believes this is gross incompetence or some sort of fraud within Cash Central and claims the company's response to his inquiries are not sufficient nor helpful. Mr. [redacted] believes it is Cash Central's responsibility to confirm the identity of its borrowers, and they need to correct this mistake. Mr. [redacted] requests for Cash Central to admit this is not his loan and to have the debt removed from his credit. A search of our records determined an Installment Loan in Mr. [redacted]'s name was obtained on September 18, 2017, in the amount of $3,000.00, with semi-monthly payments, and a maturity date of September 21, 2019. Mr. [redacted] did not meet his financial obligation, and his account defaulted into Cash Central’s Collections Department on November 22, 2017. On October 22, 2017, Mr. [redacted] contacted Cash Central to claim identity theft and initiated the Identity Theft Process with Cash Central’s Fraud Department. On October 24, 2017, Mr. [redacted] was provided with an “ID Theft Packet” which included instructions to complete the Federal Trade Commission Identity Theft Affidavit form, filing a police report and instructions to return the documents with a copy of his government-issued ID within 14 days. Cash Central received the required documents from Mr. [redacted] on November 25, 2017 and concluded the investigation with verified identity theft on November 27, 2017. Mr. [redacted]’s account was closed, and Cash Central will not undertake any effort to collect on the debt from Mr. [redacted]. Cash Central has requested the credit reporting agencies to remove any information concerning this loan from Mr. [redacted]'s file. Cash Central has notified Mr. [redacted] about the findings of this investigation with a letter sent to his email address. The ID Theft letter is attached to this response for your review. Should Mr. [redacted] or the Revdex.com, have any additional questions, 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 serves in resolving consumer concerns and hope
to address the same herein.
According to our records, Mr. [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.
Mr. [redacted] failed
to make his payments as agreed; as a result, the account was sold by NCP to
CheckSmart, and referred to CheckSmart’s corporate collections department. CheckSmart's efforts to contact Mr. [redacted] to resolve this issue have been unsuccessful.
As an accommodation, Mr. [redacted]’s account has been placed in
a temporary “Hold” status, which means that collections efforts have been temporarily
suspended. We ask that he contact Sally [redacted], a senior supervisor in our
collections area. Ms. [redacted] can be
reached at [redacted], extension [redacted].
Please ask that Mr. [redacted] contact Ms. [redacted] by December 30,
2015, otherwise normal collections efforts will resume.
Should Mr. [redacted]
have any additional questions, he can contact me directly by phone at
###-###-#### or via email at [redacted]
Thank you for the opportunity
to respond to the recently filed complaint of Kanapathipillai [redacted]. We appreciate the role the RevDex.com serves in resolving consumer concerns. Mr. [redacted]’s complaint, as I
understand it, is that although he settled his outstanding...
account balance with
CheckSmart through a third party collection agency, he was later contacted by a
different collection agency seeking payment for the same account. In researching our records, I can
confirm that Mr. [redacted] did, in fact, settle his outstanding account
balance with N.A.S., LLC. Unfortunately, CheckSmart’s
corporate collections database was not updated correctly and, as a result, the
balance appeared to be due and owing by Mr. [redacted]. As a result of this error, Mr. [redacted]’s
account was sold to another collection agency, [redacted] CheckSmart has confirmed that Mr.
[redacted]’s account has been closed out and returned to us from [redacted]. With that in mind, Mr. [redacted]’s account reflects a “settled-in-full”
status with a zero balance owed at this time. This situation is not our
standard operating procedure, and is an extremely unusual occurrence; however,
as a result of this situation, we will be able to improve our quality controls
to prevent this from potentially happening to other customers. I would like to
apologize to Mr. [redacted] for his experience, as well as for any frustration
or inconvenience he experienced as a result of this. Should
Mr. [redacted] have any additional questions, I can be contact directly by
phone 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. However, I Called on 6/16 and made other payments totaling (580) and the 5/22 still was not showing, as of 6/16. I hope that this will be resovled, as my spouse is terminally ill and I can't keep calling and emailing.Regards,
[redacted] [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 our records, Ms. [redacted] sought the assistance of
California Check Cashing Stores, LLC (“CCCS”) in...
obtaining a loan on September
18, 2013. Ms. [redacted] borrowed $2,595.00,
which includes an “Amount Financed” of $2,520.00 and an “Administrative Fee” of
$75.00. This was a 24 month loan with
monthly payments of $288.61 beginning October 18, 2013.
Per, Ms. [redacted]’s contract, the original maturity date for
this loan was September 18, 2015, and had Ms. [redacted] made all payments on the 18th
of each month, then, as she stated, her loan would have been paid in full after
that last payment. However, because Ms.
[redacted] changed her due dates to be on the 22nd of each month,
additional interest accrued during that 4-day period each month beyond what was
originally disclosed on her contract. While she made her payments on time, she
was surprised by the outstanding balance at her maturity date.
While we believe that this information was conveyed to Ms.
[redacted] at the time she changed her due dates, as an accommodation, we have
waived the remaining balance and the account has been marked paid in full.
Should you or Ms. [redacted] have any
additional questions, I can be contact directly by phone at ###-###-#### or
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. Thank you Revdex.com for resolving this issue.
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 our records, Mr. [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 July
17, 2015, Mr. [redacted] borrowed $1,147.68, which includes an “Amount Financed” of
$900.00 and a “Prepaid Finance Charge” of $247.68. Mr. [redacted]’s loan was payable in two
installment payments, detailed as follows:
July 31, 2015 $134.23
August 14, 2015 $1,034.23
Our records indicate that Mr. [redacted] failed to make his
payments as agreed and, as a result, the account was sold by NCP to CheckSmart.
CheckSmart’s efforts to speak with Mr. [redacted] regarding payment on his account
were unsuccessful, so CheckSmart initiated an Electronic Funds Transfer (“EFT”)
using the account information provided when Mr. [redacted] signed his loan agreement.
CheckSmart’s EFT attempt was done in accordance with the express authorization
acknowledged by Mr. [redacted] as part of the loan agreement. Our records indicate that Mr. [redacted] visited his
local branch the same day that the EFT was processed and at that time paid his
balance in full.
As a
result of what effectively became a double-payment, CheckSmart issued a refund
to Mr. [redacted] on September 4, 2015, in the amount of $1,230.95. However, due to
a processing error, the refund did not
get deposited into his bank account.
Our
records confirm on September 21, 2015, the refund was again processed but this
time in the amount of $1,378.95 (the amount of Mr. [redacted]’s payment of
$1,230.95, plus $148.00 for fees assessed to his bank account). We have confirmation from our bank that this
$1,378.95 refund was properly processed.
I
would like to take the opportunity to offer our apologies for the inconvenience
that this situation might have caused Mr. [redacted].
I sincerely hope that the response set forth above provides
a satisfactory resolution to this matter.
Should you have any additional questions or if I can be of any further
assistance, please feel free to 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 and hope to address the same herein. In researching this matter our records confirmed an outstanding account...
balance due for $208.50 from a loan [redacted] obtained in 2008, which was included in bankruptcy; this prevented [redacted] from obtaining a new loan due to [redacted]’s business decision to not re-loan with customers whom have a prior outstanding balance. [redacted] believes [redacted] may be confusing the concept of an “attempt to collect” with the concept of a “denial of credit”. [redacted] has not taken any efforts to collect on this debt. Rather, she’s been denied a new loan because she failed to pay a prior obligation. A creditor may decline to offer services to anyone who failed to previously pay a debt, irrespective of whether they are taking or not taking efforts to collect on a debt. Once [redacted]’s obligation to [redacted] has been satisfied, we would be happy to assist her with obtaining a new loan. Should the Revdex.com or [redacted] have any further questions, I can be reached directly at ###-###-#### or via email at [redacted]
Thank you for the opportunity to respond to the recently filed complaint of Ms. [redacted]. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same herein. Reviewing Ms. [redacted] complaint, she made her loan payment at her local...
branch, and a payment was taken from her bank account, resulting in a double payment and is requesting a refund for the overpayment as well as fees she was charged by her bank and late fees on her rent. 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 [redacted], LLC (“NCP”), an Ohio Mortgage Loan Act licensee on May 4, 2016. Ms. [redacted] borrowed $648.46, which includes an “Amount Financed” of $500.00 and a “Prepaid Finance Charge” of $148.46. Ms. [redacted]’ loan was payable in two installment payments, detailed as follows: May 13, 2016 $74.98 May 27, 2016 $573.48 Ms. [redacted] failed to make her payment as agreed on May 27, 2016; as a result, the account was sold by NCP to CheckSmart, and referred to CheckSmart’s corporate collections department. Due to Ms. [redacted] account being in a default status, CheckSmart initiated an Electronic Funds Transfer (“EFT”), as authorized in her signed loan agreement. Our records show, Ms. [redacted] visited her local branch the same day the EFT was processed and paid her balance in full. The retail branch employee was not aware that the EFT was in process when they accepted her payment. On June 9, 2016, CheckSmart issued a refund to Ms. [redacted] in the amount of $576.07 due to the double payment and on June 16, 2016, a refund for $164.52 was processed for the additional fees she received. I would like to take the opportunity to offer our apologies for the inconvenience that this situation might have caused her. Should Ms. [redacted] 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. Monique [redacted]. 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 she...
understands she has a responsibility to repay her debt; however, she has requested to not be contacted at her place of employment and states her request has not been honored. A search of our records determined that, Ms. [redacted] obtained a Payday Loan with Cash Central of Texas, LLC (“Cash Central”) on August 7, 2017 in the amount of $400.00, with a finance charge of $112.00, and a due date of August 18, 2017. Ms. [redacted] refinanced her loan and extended her due date to September 1, 2017. Ms. [redacted] did not meet her financial obligation and her account was received into Cash Central’s Collections department on August 22, 2017. After all efforts to contact Ms. [redacted]’ via her personal number were exhausted, Cash Central contacted the phone number Ms. [redacted] listed as her work number on September 8, 2017. When Ms. [redacted] requested the removal of her work number from our system, the Collections agent did not properly handle her account and, as result further contact attempts were made at Ms. [redacted] place of work. Cash Central has taken the proper corrective action to address this matter with the agent to ensure it does not happen again. Cash Central apologizes for the inconvenience this caused Ms. [redacted]. As of October 23, 2017 Cash Central can confirm Ms. [redacted] work number has been removed from our contact list. Should Ms. [redacted] or the Revdex.com, have any additional questions; 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 11956355, and find the resolution is satisfactory to me. It would be useful in the future if you had website and/or email contact information for your collection agencies as an alternate form of communication other than a phone number.
Regards,
[redacted]
Thank you for the opportunity to respond to the recently filed complaint of 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 she is the...
daughter of Ms. [redacted] who is 67 years old and currently disabled. Ms. [redacted] adds her mother received notification regrading a debt with Cash Central of California, LLC (“Cash Central”) but her mother never applied for such loan. Unfortunately, if Ms. [redacted]’s mother has an account with Cash Central, we would be compromising her privacy rights by addressing Ms. [redacted]. In order for us to address her and further assist she would need to provide a Power of Attorney (or similar directive) signed by Ms. [redacted]. Ms. [redacted] may send the Power of Attorney (or similar directive) directly to me and I will be able to provide a more substantive response. A copy can be sent to my attention at [redacted][email protected]. In her complaint it appears Ms. [redacted] believes her mother may be a victim of identity theft. Fraud is a terrible and devastating criminal act benefiting neither the consumer nor the company. Cash Central can assist with her claim by sending Ms. [redacted] a “Fraud Packet” which includes a copy of the Federal Trade Commission (“FTC”) Identity Theft Affidavit form that needs to be retuned notarized with a copy of a police report and a copy of her government-issued ID. We ask for her cooperation and patience in our effort to validate her claim of fraud. Should Ms. [redacted] or the Revdex.com have any additional questions please contact me via the above email or 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. In researching Ms. [redacted] complaint, we found the District Manager of the retail branch location in which Ms. [redacted]...
did business has spoken to Ms. [redacted] directly regarding her concerns and the interest of $101.14 was adjusted on her account. We apologize for any inconvenience this may have caused Ms. [redacted]. Should the Revdex.com or Ms. [redacted] have any additional questions, please contact me directly by phone at ###-###-#### or email at [redacted]
Thank you for the opportunity to respond to the recently
filed complaint of Stephanie [redacted]. We
appreciate the role the Revdex.com serves in resolving consumer
concerns.
According to our records, Ms.
[redacted] requested a title loan in the amount of $300.00 on September 6,...
2014 with
Buckeye Title Loans, Inc. (“Buckeye Title”).
Most recently, Ms. [redacted] had a payment due on July 10, 2015. Ms. [redacted] failed to make her payment on
this date.
Our records indicate that Ms.
[redacted] contacted her local branch on July 13, 2015, and scheduled a payment
for July 17, 2015. However, due to miscommunication,
our corporate collections department did not receive notification from the store
and as a result, Buckeye Title’s corporate collections department initiated an
Electronic Funds Transfer (“EFT”) on July 17, 2015, using the account
information she provided when she signed her loan agreement.
Due to the inconvenience Ms. [redacted]
experienced, 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.
We
ask that Ms. [redacted] contact [redacted], a senior supervisor in Buckeye
Title’s collection department, to discuss arrangements further or ask any further
questions that she might have. Ms. [redacted] can be reached at [redacted].
Should Ms. [redacted] have any additional questions, I can be
contact directly by phone at ###-###-####.
As stated
in our previous response regarding Ms. [redacted]’s concerns, we found no processing errors
occurred, which would have caused Ms. [redacted]’s check to have been cashed
twice.
In
addition, our records
confirm that on February 20, 2016, the check Ms. [redacted] cashed at our
CheckSmart location was returned by [redacted]’s financial institution, with the
comment, “Refer to Maker.” I have attached another copy of the unpaid item.
We thank Mr. [redacted] for sending us the requested documents. Cash Central has closed the account to reflect fraud has occurred and we will work with the Douglas County Sheriff’s Department to further investigate his claimed identity theft. Cash Central will not undertake any effort to collect on the debt from Mr. [redacted] and request that the credit reporting agencies remove any information concerning the Cash Central loan from his file.In response to Mr. [redacted]’s statement; “I will not provide them with my SS# or birth date over the phone.” Cash Central would like to clarify in our previous response, we simply stated he would need to follow the instructions provided by the FTC as it relates to ID Theft. Cash Central must request that customer’s provide their social security number when calling in, in order to assist us in searching our records and to verify we are in fact speaking to the appropriate person.In response to Mr. [redacted]’s concern regarding verification of individuals to ensure that the loan is not fraud; Cash Central utilizes proprietary underwriting to determine customers’ eligibility. To become a Cash Central customer, consumers must apply online and meet minimum requirements, some of which might include: 18 years of age, income, active checking account, credit bureau checks, credit history and other validation information. Cash Central does not manually verify each account that comes through the system; however we rely on our sophisticated underwriting process to determine eligibility based on the above criteria. If Mr. [redacted] has any further questions, he can contact me directly. Thank you,Amber B[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. After I was told by several people there was nothing that could be done, a store employee called me to discuss my balance. When I went into the store to explain my situation, this employee was very understanding. They allowed me to pay my loan back and reborrow. Whether this was previously in place or not, now upon your 4th loan the store issues you a letter informing you that you are now eligible to go on their payment plan. While I ended up paying a fee for missing the deadline, in the end someone who was knowledgeable was able to assist me without a significant financial burden being imposed on me.
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 researching Mr. [redacted]’s complaint, I would like to
begin by apologizing to Mr. [redacted] that he did...
not get the customer service he
requested from our California Check Cashing, LLC (“CCCS”) employees.
Our records show, Mr. [redacted] went into a CCCS location to
cash a check; however we were unable to assist Mr. [redacted]. It has been
confirmed that Mr. [redacted]’s personal information has been deleted from our
files and all paperwork associated with this transaction has been shredded. CCCS apologizes for the frustrations he
experienced.
Should Mr. [redacted] have any additional
questions, I can be contact directly by phone at ###-###-####.
In response to your email to me dated July 29, 2016, please find attached additional a letter containing my "response" to the resolution submitted by CCFI and additional documentation that I am requesting be made a part of my file concerning the above mentioned complaint. Thank you. [redacted]Good afternoon,First and foremost, I want to express my sincere appreciation and gratitude for your prompt action on Complaint ID#: [redacted], which I initially filed with the Revdex.com of Central OH on 7/26/2016.I’ve read your email dated 7/29/2016, and I accept the response from CCFI, and their offer to honor the agreement I set up with CheckSmart Collections Department on Monday, July, 25, 2016, which entails an installment payment arrangement of four payments in the amount of $75.61, which became effective on Monday, July 25, 2016. The three remaining installments of $75.61 to be paid by me, on every other Monday, , August 8, August 22, and September 5, 2016. I am also asking for the assurance that my checking account with [redacted], WILL NOT BE DEBITED by CheckSmart or CCFI, without my authorization to do so when paying off the balance due on this debt.I accept CCFI’s response, with the stipulation that the following CORRECTIONS to the statements made by the CCFI representative who responded to the Revdex.com, be included in my file:First, the payment of $60.98 that was due on July 4, 2016, WAS paid by me, in person, at the CheckSmart Store location on 658 Main Street in Cincinnati, OH, 45202, on July 1, 2016, at 2:01:22 pm; for Account #[redacted], which was the account number assigned to this Loan by the initial lender, NCP. This payment was processed by Clerk ID#: [redacted]; Terminal ID#: [redacted]; Transaction Code : [redacted].Secondly, I am a seasonal employee with the [redacted] in [redacted], and was furloughed/laid off on June 30, 2016. On July 7, 2016, I returned to my home state of [redacted]. On Monday, July 11, 2016, I called the CheckSmart Store location on [redacted], spoke with an employee named Anthony, and explained that I had been laid off and wanted to know who I could talk to about setting up payment arrangements so that I could pay off the balance due on said Loan. He told me I would need to talk with the Lender who owned the loan and gave me the telephone number for the NCP Finance Office in Dayton, OH. I then hung up with Anthony and immediately called the number he had given me. I spoke with Allison at the NCP office and explained that I was laid off, but that I was prepared to pay $158.00 on the balance due on the loan. She then gave me the mailing address to send the payment in to. On Tuesday, July 12, 2016, I purchased a Money Order# [redacted], in the amount of $158.00, and mailed said money order to NCP, so that it would reach them previous to my next due date of July 18, 2016. Several day later, I made a follow-up call to NCP and was told that the Money Order payment of $158.00 had been received.I wasn’t aware that this Loan had been turned back over to CheckSmart until I spoke with a customer service rep at NCP on July 25, 2016, when I called their offices to make another payment on said loan. I was told by the NCP rep that the loan had been turned back over to CheckSmart and was now being handled by CheckSmart. I then called the CheckSmart Store on Main Street in Cincinnati, spoke with an employee who identified herself as C. C., explained the reason for my call, and was given the telephone number of the CheckSmart Corporate Office by C. C. I called CheckSmart’s Corporate Office immediately after hanging up with C. C. and was eventually routed to “Aaron” with whom I set up the payment installment agreement, and also with whom I made the first payment of $75.61, over the phone.This additional information is being provided to show that I had every intention of honoring my obligation to CheckSmart to pay the balance due on this loan and that I initiated contact with them once I became laid off from work so that I could set up some type of payment arrangements with CheckSmart. From July 1, 2016 to July 11, 2016, I had already submitted payments totaling $218.98 on this loan previous to it being turned over to CheckSmart Collections’ Department, and I intend to follow through by submitting the remaining payments to CheckSmart by the due dates stipulated in my agreement with Aaron. If you still need a copy of the receipt from the payment I made in person at the ChcckSmart Store, on 7/01/2016, and of the Money Order receipt for $158.00 which I mailed in to NCP, I will be happy to provide you with them. Thank you.
Thank you for the opportunity to respond to the recently filed complaint by Mr. [redacted]. Cash Central of Utah, LLC (“Cash Central”) appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for you. To summarize his complaint,...
Mr. [redacted] states he is a victim of identity theft and a loan of $3,000.00 was taken out in his name without his authorization. Mr. [redacted] states that he has never heard of Cash Central, and he has no need of a high interest loan because he has excellent credit. The loan information states he resides in Utah, and Mr. [redacted] lives in New Mexico. He believes this is gross incompetence or some sort of fraud within Cash Central and claims the company's response to his inquiries are not sufficient nor helpful. Mr. [redacted] believes it is Cash Central's responsibility to confirm the identity of its borrowers, and they need to correct this mistake. Mr. [redacted] requests for Cash Central to admit this is not his loan and to have the debt removed from his credit. A search of our records determined an Installment Loan in Mr. [redacted]'s name was obtained on September 18, 2017, in the amount of $3,000.00, with semi-monthly payments, and a maturity date of September 21, 2019. Mr. [redacted] did not meet his financial obligation, and his account defaulted into Cash Central’s Collections Department on November 22, 2017. On October 22, 2017, Mr. [redacted] contacted Cash Central to claim identity theft and initiated the Identity Theft Process with Cash Central’s Fraud Department. On October 24, 2017, Mr. [redacted] was provided with an “ID Theft Packet” which included instructions to complete the Federal Trade Commission Identity Theft Affidavit form, filing a police report and instructions to return the documents with a copy of his government-issued ID within 14 days. Cash Central received the required documents from Mr. [redacted] on November 25, 2017 and concluded the investigation with verified identity theft on November 27, 2017. Mr. [redacted]’s account was closed, and Cash Central will not undertake any effort to collect on the debt from Mr. [redacted]. Cash Central has requested the credit reporting agencies to remove any information concerning this loan from Mr. [redacted]'s file. Cash Central has notified Mr. [redacted] about the findings of this investigation with a letter sent to his email address. The ID Theft letter is attached to this response for your review. Should Mr. [redacted] or the Revdex.com, have any additional questions, 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 serves in resolving consumer concerns and hope
to address the same herein.
According to our records, Mr. [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.
Mr. [redacted] failed
to make his payments as agreed; as a result, the account was sold by NCP to
CheckSmart, and referred to CheckSmart’s corporate collections department. CheckSmart's efforts to contact Mr. [redacted] to resolve this issue have been unsuccessful.
As an accommodation, Mr. [redacted]’s account has been placed in
a temporary “Hold” status, which means that collections efforts have been temporarily
suspended. We ask that he contact Sally [redacted], a senior supervisor in our
collections area. Ms. [redacted] can be
reached at [redacted], extension [redacted].
Please ask that Mr. [redacted] contact Ms. [redacted] by December 30,
2015, otherwise normal collections efforts will resume.
Should Mr. [redacted]
have any additional questions, he can contact me directly by phone at
###-###-#### or via email at [redacted]
Thank you for the opportunity
to respond to the recently filed complaint of Kanapathipillai [redacted]. We appreciate the role the RevDex.com serves in resolving consumer concerns. Mr. [redacted]’s complaint, as I
understand it, is that although he settled his outstanding...
account balance with
CheckSmart through a third party collection agency, he was later contacted by a
different collection agency seeking payment for the same account. In researching our records, I can
confirm that Mr. [redacted] did, in fact, settle his outstanding account
balance with N.A.S., LLC. Unfortunately, CheckSmart’s
corporate collections database was not updated correctly and, as a result, the
balance appeared to be due and owing by Mr. [redacted]. As a result of this error, Mr. [redacted]’s
account was sold to another collection agency, [redacted] CheckSmart has confirmed that Mr.
[redacted]’s account has been closed out and returned to us from [redacted]. With that in mind, Mr. [redacted]’s account reflects a “settled-in-full”
status with a zero balance owed at this time. This situation is not our
standard operating procedure, and is an extremely unusual occurrence; however,
as a result of this situation, we will be able to improve our quality controls
to prevent this from potentially happening to other customers. I would like to
apologize to Mr. [redacted] for his experience, as well as for any frustration
or inconvenience he experienced as a result of this. Should
Mr. [redacted] have any additional questions, I can be contact directly by
phone 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. However, I Called on 6/16 and made other payments totaling (580) and the 5/22 still was not showing, as of 6/16. I hope that this will be resovled, as my spouse is terminally ill and I can't keep calling and emailing.Regards,
[redacted] [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 our records, Ms. [redacted] sought the assistance of
California Check Cashing Stores, LLC (“CCCS”) in...
obtaining a loan on September
18, 2013. Ms. [redacted] borrowed $2,595.00,
which includes an “Amount Financed” of $2,520.00 and an “Administrative Fee” of
$75.00. This was a 24 month loan with
monthly payments of $288.61 beginning October 18, 2013.
Per, Ms. [redacted]’s contract, the original maturity date for
this loan was September 18, 2015, and had Ms. [redacted] made all payments on the 18th
of each month, then, as she stated, her loan would have been paid in full after
that last payment. However, because Ms.
[redacted] changed her due dates to be on the 22nd of each month,
additional interest accrued during that 4-day period each month beyond what was
originally disclosed on her contract. While she made her payments on time, she
was surprised by the outstanding balance at her maturity date.
While we believe that this information was conveyed to Ms.
[redacted] at the time she changed her due dates, as an accommodation, we have
waived the remaining balance and the account has been marked paid in full.
Should you or Ms. [redacted] have any
additional questions, I can be contact directly by phone at ###-###-#### or
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. Thank you Revdex.com for resolving this issue.
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 our records, Mr. [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 July
17, 2015, Mr. [redacted] borrowed $1,147.68, which includes an “Amount Financed” of
$900.00 and a “Prepaid Finance Charge” of $247.68. Mr. [redacted]’s loan was payable in two
installment payments, detailed as follows:
July 31, 2015 $134.23
August 14, 2015 $1,034.23
Our records indicate that Mr. [redacted] failed to make his
payments as agreed and, as a result, the account was sold by NCP to CheckSmart.
CheckSmart’s efforts to speak with Mr. [redacted] regarding payment on his account
were unsuccessful, so CheckSmart initiated an Electronic Funds Transfer (“EFT”)
using the account information provided when Mr. [redacted] signed his loan agreement.
CheckSmart’s EFT attempt was done in accordance with the express authorization
acknowledged by Mr. [redacted] as part of the loan agreement. Our records indicate that Mr. [redacted] visited his
local branch the same day that the EFT was processed and at that time paid his
balance in full.
As a
result of what effectively became a double-payment, CheckSmart issued a refund
to Mr. [redacted] on September 4, 2015, in the amount of $1,230.95. However, due to
a processing error, the refund did not
get deposited into his bank account.
Our
records confirm on September 21, 2015, the refund was again processed but this
time in the amount of $1,378.95 (the amount of Mr. [redacted]’s payment of
$1,230.95, plus $148.00 for fees assessed to his bank account). We have confirmation from our bank that this
$1,378.95 refund was properly processed.
I
would like to take the opportunity to offer our apologies for the inconvenience
that this situation might have caused Mr. [redacted].
I sincerely hope that the response set forth above provides
a satisfactory resolution to this matter.
Should you have any additional questions or if I can be of any further
assistance, please feel free to 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 and hope to address the same herein. In researching this matter our records confirmed an outstanding account...
balance due for $208.50 from a loan [redacted] obtained in 2008, which was included in bankruptcy; this prevented [redacted] from obtaining a new loan due to [redacted]’s business decision to not re-loan with customers whom have a prior outstanding balance. [redacted] believes [redacted] may be confusing the concept of an “attempt to collect” with the concept of a “denial of credit”. [redacted] has not taken any efforts to collect on this debt. Rather, she’s been denied a new loan because she failed to pay a prior obligation. A creditor may decline to offer services to anyone who failed to previously pay a debt, irrespective of whether they are taking or not taking efforts to collect on a debt. Once [redacted]’s obligation to [redacted] has been satisfied, we would be happy to assist her with obtaining a new loan. Should the Revdex.com or [redacted] have any further questions, I can be reached directly at ###-###-#### or via email at [redacted]
Thank you for the opportunity to respond to the recently filed complaint of Ms. [redacted]. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same herein. Reviewing Ms. [redacted] complaint, she made her loan payment at her local...
branch, and a payment was taken from her bank account, resulting in a double payment and is requesting a refund for the overpayment as well as fees she was charged by her bank and late fees on her rent. 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 [redacted], LLC (“NCP”), an Ohio Mortgage Loan Act licensee on May 4, 2016. Ms. [redacted] borrowed $648.46, which includes an “Amount Financed” of $500.00 and a “Prepaid Finance Charge” of $148.46. Ms. [redacted]’ loan was payable in two installment payments, detailed as follows: May 13, 2016 $74.98 May 27, 2016 $573.48 Ms. [redacted] failed to make her payment as agreed on May 27, 2016; as a result, the account was sold by NCP to CheckSmart, and referred to CheckSmart’s corporate collections department. Due to Ms. [redacted] account being in a default status, CheckSmart initiated an Electronic Funds Transfer (“EFT”), as authorized in her signed loan agreement. Our records show, Ms. [redacted] visited her local branch the same day the EFT was processed and paid her balance in full. The retail branch employee was not aware that the EFT was in process when they accepted her payment. On June 9, 2016, CheckSmart issued a refund to Ms. [redacted] in the amount of $576.07 due to the double payment and on June 16, 2016, a refund for $164.52 was processed for the additional fees she received. I would like to take the opportunity to offer our apologies for the inconvenience that this situation might have caused her. Should Ms. [redacted] have any additional questions, she can contact me directly by phone 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.
Thank you for the opportunity to respond to the recently filed complaint by Ms. Monique [redacted]. 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 she...
understands she has a responsibility to repay her debt; however, she has requested to not be contacted at her place of employment and states her request has not been honored. A search of our records determined that, Ms. [redacted] obtained a Payday Loan with Cash Central of Texas, LLC (“Cash Central”) on August 7, 2017 in the amount of $400.00, with a finance charge of $112.00, and a due date of August 18, 2017. Ms. [redacted] refinanced her loan and extended her due date to September 1, 2017. Ms. [redacted] did not meet her financial obligation and her account was received into Cash Central’s Collections department on August 22, 2017. After all efforts to contact Ms. [redacted]’ via her personal number were exhausted, Cash Central contacted the phone number Ms. [redacted] listed as her work number on September 8, 2017. When Ms. [redacted] requested the removal of her work number from our system, the Collections agent did not properly handle her account and, as result further contact attempts were made at Ms. [redacted] place of work. Cash Central has taken the proper corrective action to address this matter with the agent to ensure it does not happen again. Cash Central apologizes for the inconvenience this caused Ms. [redacted]. As of October 23, 2017 Cash Central can confirm Ms. [redacted] work number has been removed from our contact list. Should Ms. [redacted] or the Revdex.com, have any additional questions; 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 11956355, and find the resolution is satisfactory to me. It would be useful in the future if you had website and/or email contact information for your collection agencies as an alternate form of communication other than a phone number.
Regards,
[redacted]
Thank you for the opportunity to respond to the recently filed complaint of 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 she is the...
daughter of Ms. [redacted] who is 67 years old and currently disabled. Ms. [redacted] adds her mother received notification regrading a debt with Cash Central of California, LLC (“Cash Central”) but her mother never applied for such loan. Unfortunately, if Ms. [redacted]’s mother has an account with Cash Central, we would be compromising her privacy rights by addressing Ms. [redacted]. In order for us to address her and further assist she would need to provide a Power of Attorney (or similar directive) signed by Ms. [redacted]. Ms. [redacted] may send the Power of Attorney (or similar directive) directly to me and I will be able to provide a more substantive response. A copy can be sent to my attention at [redacted][email protected]. In her complaint it appears Ms. [redacted] believes her mother may be a victim of identity theft. Fraud is a terrible and devastating criminal act benefiting neither the consumer nor the company. Cash Central can assist with her claim by sending Ms. [redacted] a “Fraud Packet” which includes a copy of the Federal Trade Commission (“FTC”) Identity Theft Affidavit form that needs to be retuned notarized with a copy of a police report and a copy of her government-issued ID. We ask for her cooperation and patience in our effort to validate her claim of fraud. Should Ms. [redacted] or the Revdex.com have any additional questions please contact me via the above email or 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. In researching Ms. [redacted] complaint, we found the District Manager of the retail branch location in which Ms. [redacted]...
did business has spoken to Ms. [redacted] directly regarding her concerns and the interest of $101.14 was adjusted on her account. We apologize for any inconvenience this may have caused Ms. [redacted]. Should the Revdex.com or Ms. [redacted] have any additional questions, please contact me directly by phone at ###-###-#### or email at [redacted]
Thank you for the opportunity to respond to the recently
filed complaint of Stephanie [redacted]. We
appreciate the role the Revdex.com serves in resolving consumer
concerns.
According to our records, Ms.
[redacted] requested a title loan in the amount of $300.00 on September 6,...
2014 with
Buckeye Title Loans, Inc. (“Buckeye Title”).
Most recently, Ms. [redacted] had a payment due on July 10, 2015. Ms. [redacted] failed to make her payment on
this date.
Our records indicate that Ms.
[redacted] contacted her local branch on July 13, 2015, and scheduled a payment
for July 17, 2015. However, due to miscommunication,
our corporate collections department did not receive notification from the store
and as a result, Buckeye Title’s corporate collections department initiated an
Electronic Funds Transfer (“EFT”) on July 17, 2015, using the account
information she provided when she signed her loan agreement.
Due to the inconvenience Ms. [redacted]
experienced, 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.
We
ask that Ms. [redacted] contact [redacted], a senior supervisor in Buckeye
Title’s collection department, to discuss arrangements further or ask any further
questions that she might have. Ms. [redacted] can be reached at [redacted].
Should Ms. [redacted] have any additional questions, I can be
contact directly by phone at ###-###-####.
As stated
in our previous response regarding Ms. [redacted]’s concerns, we found no processing errors
occurred, which would have caused Ms. [redacted]’s check to have been cashed
twice.
In
addition, our records
confirm that on February 20, 2016, the check Ms. [redacted] cashed at our
CheckSmart location was returned by [redacted]’s financial institution, with the
comment, “Refer to Maker.” I have attached another copy of the unpaid item.
We thank Mr. [redacted] for sending us the requested documents. Cash Central has closed the account to reflect fraud has occurred and we will work with the Douglas County Sheriff’s Department to further investigate his claimed identity theft. Cash Central will not undertake any effort to collect on the debt from Mr. [redacted] and request that the credit reporting agencies remove any information concerning the Cash Central loan from his file.In response to Mr. [redacted]’s statement; “I will not provide them with my SS# or birth date over the phone.” Cash Central would like to clarify in our previous response, we simply stated he would need to follow the instructions provided by the FTC as it relates to ID Theft. Cash Central must request that customer’s provide their social security number when calling in, in order to assist us in searching our records and to verify we are in fact speaking to the appropriate person.In response to Mr. [redacted]’s concern regarding verification of individuals to ensure that the loan is not fraud; Cash Central utilizes proprietary underwriting to determine customers’ eligibility. To become a Cash Central customer, consumers must apply online and meet minimum requirements, some of which might include: 18 years of age, income, active checking account, credit bureau checks, credit history and other validation information. Cash Central does not manually verify each account that comes through the system; however we rely on our sophisticated underwriting process to determine eligibility based on the above criteria. If Mr. [redacted] has any further questions, he can contact me directly. Thank you,Amber B[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. After I was told by several people there was nothing that could be done, a store employee called me to discuss my balance. When I went into the store to explain my situation, this employee was very understanding. They allowed me to pay my loan back and reborrow. Whether this was previously in place or not, now upon your 4th loan the store issues you a letter informing you that you are now eligible to go on their payment plan. While I ended up paying a fee for missing the deadline, in the end someone who was knowledgeable was able to assist me without a significant financial burden being imposed on me.
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 researching Mr. [redacted]’s complaint, I would like to
begin by apologizing to Mr. [redacted] that he did...
not get the customer service he
requested from our California Check Cashing, LLC (“CCCS”) employees.
Our records show, Mr. [redacted] went into a CCCS location to
cash a check; however we were unable to assist Mr. [redacted]. It has been
confirmed that Mr. [redacted]’s personal information has been deleted from our
files and all paperwork associated with this transaction has been shredded. CCCS apologizes for the frustrations he
experienced.
Should Mr. [redacted] have any additional
questions, I can be contact directly by phone at ###-###-####.