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 youTo summarize his complaint, Mr [redacted] states he is a victim of identity theft and a loan of $3,was taken out in his name without his authorizationMr [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 mistakeMr [redacted] requests for Cash Central to admit this is not his loan and to have the debt removed from his creditA 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, Mr [redacted] did not meet his financial obligation, and his account defaulted into Cash Central’s Collections Department on November 22, 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 daysCash Central received the required documents from Mr [redacted] on November 25, and concluded the investigation with verified identity theft on November 27, 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 fileCash Central has notified Mr [redacted] about the findings of this investigation with a letter sent to his email addressThe ID Theft letter is attached to this response for your reviewShould Mr [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 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 youTo summarize his complaint, Mr [redacted] states he defaulted on a payday loan with CheckSmart, and he received a phone call from the Collections department suggesting his account be placed on payment arrangementsMr [redacted] agreed to the payment arrangements in which an initial payment of $was to be paid on September 21, 2017, and the remaining balance was to be paid on September 29, The first payment of $occurred as agreed; however, an additional payment for $was debited from his account on September 22, Mr [redacted] expresses his frustration regarding the customer service he received and requests a refund of the $over-payment as well as the removal of his information from our systems A search of our records determined that on August 12, 2017, Mr [redacted] obtained a Payday Loan with CheckSmart in the amount of $400.00, with a fee of $and final due date of September 1, Mr [redacted] did not meet his financial obligation and his account was received into CheckSmart’s Collections department on September 2, On September 21, 2017, Mr [redacted] contacted CheckSmart to request payment arrangementsThe Customer Service Representative that assisted Mr [redacted] did not properly handle the account and after the $payment on September 21, 2017, a previously scheduled payment for the full amount was debited from Mr [redacted] ’s account on September 22, 2017, causing an over-payment of $On September 27, CheckSmart issued a refund of $to Mr [redacted] ’s accountCheckSmart would like to apologize for any inconvenience this error may have caused Mr [redacted] and appreciates that he has continued doing business with usAs a friendly reminder, since Mr [redacted] has a new active account with CheckSmart, a request to cease and desist is required in order to stop all communication; however, his information is kept in our systems for record-keeping purposes.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 of [redacted] We appreciate the role the Better Business Bureau serves in resolving consumer concernsAccording to our records, Ms [redacted] contacted Check Smart’s corporate collections department on August 27, claiming a loan had been erroneously taken out in her nameIn an effort to assist her with her claim of fraud, Ms [redacted] was advised to file a police reportBecause documentation of the alleged identity theft was not received within days, on September 11, 2015, CheckSmart initiated an Electronic Funds Transfer (“EFT”) using the account information provided when the loan agreement was signedCheckSmart’s EFT attempts were done in accordance with the agreementWe have issued a refund to Ms [redacted] on September 21, in the amount of $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 thisDue 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 situationMs [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 ###-###-####
Thank you for the opportunity to respond to the filed complaint of Ms [redacted] Cash Central of Alabama, LLC (“Cash Central”) appreciates the role the Revdex.com serves in resolve consumer concerns and is happy to provide this response for youTo summarize her complaint, Ms [redacted] states, she made a payment towards her loan on October 3, to bring her account to a current status but, on October 13, the payment was still not postedWhen she contacted Cash Central, she was advised the payment could only be applied by a supervisor who would contact her at a later timeMs [redacted] states, she received a call back and contacted Cash Central on October 6, where she was advised her account was paid-in-full but the payment was not reflected on the account yetMs [redacted] requests to have this account closed and her bank information removed from Cash Central's systemsA search of our records determined, on June 9, 2016, Ms [redacted] obtained an Installment Loan with Cash Central in the amount of $2,000.00, with bi-weekly payments of $126.89, and a Maturity Date of December 29, Ms [redacted] did not meet her financial obligation, and her account defaulted into Cash Central's Collections Department on September 27, When Ms [redacted] made her payment on October 3, 2017, her account was on a default status in Cash Central's Collections DepartmentCash Central's Internal Payments Policy requires a ten (10) business day waiting period before a collections payment reflects on a customer's accountCash Central apologizes for the inconvenience this waiting period may have caused Ms [redacted] and can confirm, as of October 13, 2017, Ms [redacted] ’s account has been closed with a $balanceA Settle-in-Full letter was sent to Ms [redacted] ’s address on fileShould Ms [redacted] or the Revdex.com, have any additional questions, please contact me directly at [redacted] @ccfi.com
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted] ***
Thank you for the opportunity to respond to the recently filed complaint by Ms [redacted] California Check Cashing Stores, LLC (“CCCS”) appreciates the role the Revdex.com serves in resolving consumer concerns, and we are happy to provide this response for youTo summarize her complaint, Ms [redacted] states that when visiting a CCCS storefront on February 15, she had to wait an unreasonable length of time to transact her businessShe states the employee to customer ratio of 1:is insufficientMs [redacted] requests a reduction in her loan principle to compensate her for her timeA search of our records determined Ms [redacted] obtained a Deferred Deposit Transaction Agreement on February 15, in the amount of $and a finance charge of $45.00, for a total of $and a single payment term due February 28, We strive to staff the stores to meet the needs of the customersStore employees are tasked with a range of responsibilities, not all of which are customer facingStriking the appropriate balance between customer service and other business needs is not a perfect scienceCCCS’ goal is to exceed customer expectations for every transactionWe work hard to ensure every customer’s needs are met in a full and timely fashionCCCS never wishes to delay customers beyond the length of time necessary to fulfill their requestsWe apologize that we did not meet Ms [redacted] ’s expectations on February 15; however, we do not believe the inconvenience warrants a reduction in her financial obligationShould Ms [redacted] or the Revdex.com have any additional questions or concerns, we may be reached directly at [email protected]
Thank you for the opportunity to respond to the recently filed complaint of [redacted] We appreciate the role the Revdex.com places in resolving consumer concernsIn reviewing Ms [redacted] ’s account, our records show an Installment loan in the amount of $2,was requested on March 3, When Ms [redacted] did not make her payments as agreed, the loan was sold to a third party under the terms of the Agreement On April 5, 2016, Cash Central sold the underlying debt to [redacted] Credit Adjusters Our records confirm, the information reported to Experian by Cash Central has accurate and permissible based on information in our file However, given the sale of debt, the tradeline information reported by Cash Central to Experian was updated as “account sold” in May, and has not been reported since then and the new owner of the debt determines if they report anything to the credit bureausAs we are no longer owners of the debt; consequently, further contact regarding Ms [redacted] ’s account should be directed to [redacted] Credit Adjusters at ###-###-####Should the Revdex.com or Ms [redacted] have any additional questions, I can be reached via phone at ###-###-#### or via email at [redacted] @ccfi.com
Thank you for the opportunity to respond to the recently filed complaint of Ms [redacted] ***CheckSmart appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for youTo summarize her complaint, Ms [redacted] states she visited CheckSmart to pay her cable bill via Western UnionShe adds that she made a payment of $on September 1, but her payment was never reflected on her cable bill and she was charged a late feeMs [redacted] expresses her frustration regarding the delay for a resolution A search of records determined when Ms [redacted] visited CheckSmart to make a payment via Western Union; the customer service representative who assisted applied the payment to the incorrect accountOn September 21, 2017, Ms [redacted] contacted CheckSmart to advise that her Western Union payment was not applied to her cable bill accountCheckSmart submitted an account correction request to Western Union, and CheckSmart was advised of a 48-hour response time frameOn October 5, 2017, CheckSmart reached out to Western Union via email requesting an update on the matterWestern Union stated they were waiting for a response from the cable bill companyOn October 11, 2017, CheckSmart’s Store Manager and District Manager contacted Ms [redacted] to advise her that CheckSmart was actively working on getting the matter resolved and that the issue seemed to be a technical issue between Western Union and her cable bill companyOn October 12, 2017, CheckSmart reached out to Western Union, and they confirmed Ms***’s account was credited on October 12, CheckSmart apologizes to Ms [redacted] for any inconveniences this situation may have causedShould Ms [redacted] or the Revdex.com have any questions or concerns, please contact me directly at [redacted] [email protected]
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 concernsIn 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 $was adjusted on her accountWe 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 Mr [redacted] We appreciate the role the Revdex.com serves in resolving consumer concernsA search of our records determined that Mr [redacted] received a waiver of the late fees assessed on his Title Pawn Contract, as Mr [redacted] stated in his original complaint [redacted] *** (“ [redacted] ***”) attempted to make contact with Mr [redacted] on May 18, 2017, but was unable to leave a voice mail messageMr [redacted] contacted [redacted] on May 19, and advised he would be unable to make payment until May The day of his promise-to-pay, Mr [redacted] again requested an extension until May 26, which [redacted] *** chose to honorOur records confirm Mr [redacted] made payment on his account in the amount of $1,on May 26, [redacted] appreciates Mr [redacted] ’ businessShould Mr [redacted] , or the Revdex.com, have any additional questions, or concerns, please contact me directly at [redacted]
Thank you for the opportunity to respond to the recently filed complaint of Kanapathipillai [redacted] We appreciate the role the Better Business Bureau serves in resolving consumer concernsMr [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 accountIn 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 timeThis 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 customersI would like to apologize to Mr [redacted] for his experience, as well as for any frustration or inconvenience he experienced as a result of thisShould Mr [redacted] have any additional questions, I can be contact directly by phone at ###-###-#### or via email at [redacted]
Ms***,I need additional identifying information in order to research this matter furtherPlease provide the address(es) at which you were living in 2012/13, your phone number(s) for 2012/13, and the last of your Social Security numberOnce I have these, I will be able to assist you further.Sincerely,JamesOperations SpecialistCommunity Choice Financial, Inc
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 youTo summarize her complaint, Ms [redacted] states that a check issued to CheckSmart was presented to her bank account on July 21, as payment of her loanMs [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 pendingMs [redacted] requests her account status to be updated According to our records on July 21, CheckSmart initiated an Electronic Funds Transfer (“EFT”) payment for Ms [redacted] ’s outstanding balance, using the bank account she provided on her loan applicationWhile 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, and she subsequently requested a new Payday Loan on July 27, Should the Revdex.com or Ms [redacted] have any additional questions or concerns, please contact me directly at [redacted] @ccfi.com
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I reviewed the response made by the business in reference to complaint ID 12016882, and find the resolution is satisfactory to me Regards, [redacted]
Thank you for the opportunity to respond to the recently filed complaint by MrG [redacted] Community Choice Financial, Inc., d/b/a, Cash One appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for youTo summarize his complaint, Mr [redacted] states on January 8, he visited Cash One to purchase a Money Order and he was advised by customer service representative of a 2.25% charge when using a debit cardMr [redacted] claims he paid a total of $when he should have paid $for an $Money OrderMr [redacted] requests a refund of the overcharged amountA search of the records determined when Mr [redacted] visited Cash One, he was advised that for an ATM transaction there is a 2.25% or a minimum of $feeThis information is also displayed by the ATM Pin Pad as “Cash Withdrawal Fee”Since Mr [redacted] purchased an $Money Order and 2.25% of the transaction was $not $or more, the system will automatically charge $plus the $for the Money Order making Mr [redacted] transaction a total of $Cash One values all of its customers and hopes this response answers to Mr [redacted] ’s concernsShould 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 of [redacted] We appreciate the role the Revdex.com serves in resolving consumer concernsIn researching Ms [redacted] ’s complaint, we identified an error in how her payment was applied to her account when she made her loan payment on November 28, As a result of the error, Ms [redacted] ’s check was deposited and it was subsequently returned as an unpaid item by her financial institutionDue to this item being returned, this caused Ms [redacted] ’s account to reflect a past due status and was referred to Easy Money’s Corporate Collections Department on December 17, In recognition of our error, Easy Money will refund Ms [redacted] the $NSF fee she received by her financial institution We request Ms [redacted] let us know if she would prefer to obtain this refund by visiting the retail branch location she conducted business, we can mail her a refund check or have our treasury department deposit the refund amount directly into her bank account Ms [redacted] can contact me directly at ###-###-#### or via email at [redacted] Easy Money has taken the proper corrective action on Ms [redacted] ’s account and her account will be updated to reflect a paid in full status Easy Money apologize for the inconvenience this may have caused herShould the Revdex.com or Ms [redacted] have any additional questions, I can be contact directly by phone or via email
[redacted] This letter responds to your correspondence of May 4, 2015, regarding the above-referenced matterThank you for bringing [redacted] ’s complaint to our attentionWe 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, [redacted] initially took an advance of $on that dateOn July 31, 2014, [redacted] initiated an additional $advance against that same line of creditThe 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 accountWhat [redacted] may have forgotten is that as part of her Agreement she authorized Automated Clearing House (“ACH”) debit entries from her bank accountFor ease of reference, I have enclosed a copy of [redacted] ’s Agreement dated December 30, 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 $Our records further indicate that an ACH processed on April 30, ($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 providedAs 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 $Because First Virginia understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amountsFirst Virginia’s records do not indicate that, at this time, [redacted] has made any specific arrangements for repayment of her past due balanceTherefore, [redacted] ’s account has been placed in a “hold” status, which means that interest accrual and collection efforts have been temporarily suspended on her accountWe 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 ***, but [redacted] must contact her prior to May 27, If we have not heard from [redacted] by this time, collection activity will resume on her accountWe 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 matterShould you have any additional questions, please feel free to contact me Sincerely, [redacted] ***
Thank you for the opportunity to respond to Ms [redacted] ’s complaint update Buckeye Credit Solutions, LLC (“CheckSmart”) appreciates the role the Revdex.com serves in resolving consumer concerns and we are happy to provide this response for youIn her update, Ms [redacted] states she will be unable to make her payment of $on her March 3, due dateShe requests her payment schedule be adjusted to allow her to pay $on March 3, and her remaining balance of $on April 3, CheckSmart is happy to accept Ms [redacted] ’s proposalHer next payment is now in the lower amount of $on March 3, with the remainder due April 3, We thank her for her businessIf Ms [redacted] or the Revdex.com have any additional questions or concerns, we may be reached directly at [email protected]
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 complaintThank 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, The three remaining installments of $to be paid by me, on every other Monday,August 8, August 22, and September 5, 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 $that was due on July 4, 2016, WAS paid by me, in person, at the CheckSmart Store location on Main Street in Cincinnati, OH, 45202, on July 1, 2016, at 2:01:pm; for Account # [redacted] , which was the account number assigned to this Loan by the initial lender, NCPThis payment was processed by Clerk ID#: [redacted] ; Terminal ID#: [redacted] ; Transaction Code : ***.Secondly, I am a seasonal employee with the [redacted] in [redacted] **, and was furloughed/laid off on June 30, 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 $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, Several day later, I made a follcall to NCP and was told that the Money Order payment of $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 CC., explained the reason for my call, and was given the telephone number of the CheckSmart Corporate Office by CC I called CheckSmart’s Corporate Office immediately after hanging up with CCand 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, to July 11, 2016, I had already submitted payments totaling $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 $which I mailed in to NCP, I will be happy to provide you with them Thank you
Thank for the opportunity to respond to the recently filed complaint of Mr [redacted] We appreciate the role the Revdex.com serves in resolving consumer concerns and are happy to provide this response for youMr [redacted] states he has not been supplied a copy of his loan contract, per his requestWe respectfully direct his attention to our May response to the Consumer Financial Protection Bureau, where he will find his loan contract as an attachmentCash Central thanks Mr [redacted] for receipt of his police report and a copy of his government-issued identificationPlease allow – business days for us to complete the Identity Theft ProcessThe result of the investigation will be provided via mailShould the Revdex.com or Mr [redacted] have any further questions or concerns, please contact us directly at [redacted]
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 youTo summarize his complaint, Mr [redacted] states he is a victim of identity theft and a loan of $3,was taken out in his name without his authorizationMr [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 mistakeMr [redacted] requests for Cash Central to admit this is not his loan and to have the debt removed from his creditA 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, Mr [redacted] did not meet his financial obligation, and his account defaulted into Cash Central’s Collections Department on November 22, 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 daysCash Central received the required documents from Mr [redacted] on November 25, and concluded the investigation with verified identity theft on November 27, 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 fileCash Central has notified Mr [redacted] about the findings of this investigation with a letter sent to his email addressThe ID Theft letter is attached to this response for your reviewShould Mr [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 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 youTo summarize his complaint, Mr [redacted] states he defaulted on a payday loan with CheckSmart, and he received a phone call from the Collections department suggesting his account be placed on payment arrangementsMr [redacted] agreed to the payment arrangements in which an initial payment of $was to be paid on September 21, 2017, and the remaining balance was to be paid on September 29, The first payment of $occurred as agreed; however, an additional payment for $was debited from his account on September 22, Mr [redacted] expresses his frustration regarding the customer service he received and requests a refund of the $over-payment as well as the removal of his information from our systems A search of our records determined that on August 12, 2017, Mr [redacted] obtained a Payday Loan with CheckSmart in the amount of $400.00, with a fee of $and final due date of September 1, Mr [redacted] did not meet his financial obligation and his account was received into CheckSmart’s Collections department on September 2, On September 21, 2017, Mr [redacted] contacted CheckSmart to request payment arrangementsThe Customer Service Representative that assisted Mr [redacted] did not properly handle the account and after the $payment on September 21, 2017, a previously scheduled payment for the full amount was debited from Mr [redacted] ’s account on September 22, 2017, causing an over-payment of $On September 27, CheckSmart issued a refund of $to Mr [redacted] ’s accountCheckSmart would like to apologize for any inconvenience this error may have caused Mr [redacted] and appreciates that he has continued doing business with usAs a friendly reminder, since Mr [redacted] has a new active account with CheckSmart, a request to cease and desist is required in order to stop all communication; however, his information is kept in our systems for record-keeping purposes.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 of [redacted] We appreciate the role the Better Business Bureau serves in resolving consumer concernsAccording to our records, Ms [redacted] contacted Check Smart’s corporate collections department on August 27, claiming a loan had been erroneously taken out in her nameIn an effort to assist her with her claim of fraud, Ms [redacted] was advised to file a police reportBecause documentation of the alleged identity theft was not received within days, on September 11, 2015, CheckSmart initiated an Electronic Funds Transfer (“EFT”) using the account information provided when the loan agreement was signedCheckSmart’s EFT attempts were done in accordance with the agreementWe have issued a refund to Ms [redacted] on September 21, in the amount of $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 thisDue 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 situationMs [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 ###-###-####
Thank you for the opportunity to respond to the filed complaint of Ms [redacted] Cash Central of Alabama, LLC (“Cash Central”) appreciates the role the Revdex.com serves in resolve consumer concerns and is happy to provide this response for youTo summarize her complaint, Ms [redacted] states, she made a payment towards her loan on October 3, to bring her account to a current status but, on October 13, the payment was still not postedWhen she contacted Cash Central, she was advised the payment could only be applied by a supervisor who would contact her at a later timeMs [redacted] states, she received a call back and contacted Cash Central on October 6, where she was advised her account was paid-in-full but the payment was not reflected on the account yetMs [redacted] requests to have this account closed and her bank information removed from Cash Central's systemsA search of our records determined, on June 9, 2016, Ms [redacted] obtained an Installment Loan with Cash Central in the amount of $2,000.00, with bi-weekly payments of $126.89, and a Maturity Date of December 29, Ms [redacted] did not meet her financial obligation, and her account defaulted into Cash Central's Collections Department on September 27, When Ms [redacted] made her payment on October 3, 2017, her account was on a default status in Cash Central's Collections DepartmentCash Central's Internal Payments Policy requires a ten (10) business day waiting period before a collections payment reflects on a customer's accountCash Central apologizes for the inconvenience this waiting period may have caused Ms [redacted] and can confirm, as of October 13, 2017, Ms [redacted] ’s account has been closed with a $balanceA Settle-in-Full letter was sent to Ms [redacted] ’s address on fileShould Ms [redacted] or the Revdex.com, have any additional questions, please contact me directly at [redacted] @ccfi.com
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted] ***
Thank you for the opportunity to respond to the recently filed complaint by Ms [redacted] California Check Cashing Stores, LLC (“CCCS”) appreciates the role the Revdex.com serves in resolving consumer concerns, and we are happy to provide this response for youTo summarize her complaint, Ms [redacted] states that when visiting a CCCS storefront on February 15, she had to wait an unreasonable length of time to transact her businessShe states the employee to customer ratio of 1:is insufficientMs [redacted] requests a reduction in her loan principle to compensate her for her timeA search of our records determined Ms [redacted] obtained a Deferred Deposit Transaction Agreement on February 15, in the amount of $and a finance charge of $45.00, for a total of $and a single payment term due February 28, We strive to staff the stores to meet the needs of the customersStore employees are tasked with a range of responsibilities, not all of which are customer facingStriking the appropriate balance between customer service and other business needs is not a perfect scienceCCCS’ goal is to exceed customer expectations for every transactionWe work hard to ensure every customer’s needs are met in a full and timely fashionCCCS never wishes to delay customers beyond the length of time necessary to fulfill their requestsWe apologize that we did not meet Ms [redacted] ’s expectations on February 15; however, we do not believe the inconvenience warrants a reduction in her financial obligationShould Ms [redacted] or the Revdex.com have any additional questions or concerns, we may be reached directly at [email protected]
Thank you for the opportunity to respond to the recently filed complaint of [redacted] We appreciate the role the Revdex.com places in resolving consumer concernsIn reviewing Ms [redacted] ’s account, our records show an Installment loan in the amount of $2,was requested on March 3, When Ms [redacted] did not make her payments as agreed, the loan was sold to a third party under the terms of the Agreement On April 5, 2016, Cash Central sold the underlying debt to [redacted] Credit Adjusters Our records confirm, the information reported to Experian by Cash Central has accurate and permissible based on information in our file However, given the sale of debt, the tradeline information reported by Cash Central to Experian was updated as “account sold” in May, and has not been reported since then and the new owner of the debt determines if they report anything to the credit bureausAs we are no longer owners of the debt; consequently, further contact regarding Ms [redacted] ’s account should be directed to [redacted] Credit Adjusters at ###-###-####Should the Revdex.com or Ms [redacted] have any additional questions, I can be reached via phone at ###-###-#### or via email at [redacted] @ccfi.com
Thank you for the opportunity to respond to the recently filed complaint of Ms [redacted] ***CheckSmart appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for youTo summarize her complaint, Ms [redacted] states she visited CheckSmart to pay her cable bill via Western UnionShe adds that she made a payment of $on September 1, but her payment was never reflected on her cable bill and she was charged a late feeMs [redacted] expresses her frustration regarding the delay for a resolution A search of records determined when Ms [redacted] visited CheckSmart to make a payment via Western Union; the customer service representative who assisted applied the payment to the incorrect accountOn September 21, 2017, Ms [redacted] contacted CheckSmart to advise that her Western Union payment was not applied to her cable bill accountCheckSmart submitted an account correction request to Western Union, and CheckSmart was advised of a 48-hour response time frameOn October 5, 2017, CheckSmart reached out to Western Union via email requesting an update on the matterWestern Union stated they were waiting for a response from the cable bill companyOn October 11, 2017, CheckSmart’s Store Manager and District Manager contacted Ms [redacted] to advise her that CheckSmart was actively working on getting the matter resolved and that the issue seemed to be a technical issue between Western Union and her cable bill companyOn October 12, 2017, CheckSmart reached out to Western Union, and they confirmed Ms***’s account was credited on October 12, CheckSmart apologizes to Ms [redacted] for any inconveniences this situation may have causedShould Ms [redacted] or the Revdex.com have any questions or concerns, please contact me directly at [redacted] [email protected]
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 concernsIn 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 $was adjusted on her accountWe 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 Mr [redacted] We appreciate the role the Revdex.com serves in resolving consumer concernsA search of our records determined that Mr [redacted] received a waiver of the late fees assessed on his Title Pawn Contract, as Mr [redacted] stated in his original complaint [redacted] *** (“ [redacted] ***”) attempted to make contact with Mr [redacted] on May 18, 2017, but was unable to leave a voice mail messageMr [redacted] contacted [redacted] on May 19, and advised he would be unable to make payment until May The day of his promise-to-pay, Mr [redacted] again requested an extension until May 26, which [redacted] *** chose to honorOur records confirm Mr [redacted] made payment on his account in the amount of $1,on May 26, [redacted] appreciates Mr [redacted] ’ businessShould Mr [redacted] , or the Revdex.com, have any additional questions, or concerns, please contact me directly at [redacted]
Thank you for the opportunity to respond to the recently filed complaint of Kanapathipillai [redacted] We appreciate the role the Better Business Bureau serves in resolving consumer concernsMr [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 accountIn 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 timeThis 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 customersI would like to apologize to Mr [redacted] for his experience, as well as for any frustration or inconvenience he experienced as a result of thisShould Mr [redacted] have any additional questions, I can be contact directly by phone at ###-###-#### or via email at [redacted]
Ms***,I need additional identifying information in order to research this matter furtherPlease provide the address(es) at which you were living in 2012/13, your phone number(s) for 2012/13, and the last of your Social Security numberOnce I have these, I will be able to assist you further.Sincerely,JamesOperations SpecialistCommunity Choice Financial, Inc
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 youTo summarize her complaint, Ms [redacted] states that a check issued to CheckSmart was presented to her bank account on July 21, as payment of her loanMs [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 pendingMs [redacted] requests her account status to be updated According to our records on July 21, CheckSmart initiated an Electronic Funds Transfer (“EFT”) payment for Ms [redacted] ’s outstanding balance, using the bank account she provided on her loan applicationWhile 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, and she subsequently requested a new Payday Loan on July 27, Should the Revdex.com or Ms [redacted] have any additional questions or concerns, please contact me directly at [redacted] @ccfi.com
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I reviewed the response made by the business in reference to complaint ID 12016882, and find the resolution is satisfactory to me Regards, [redacted]
Thank you for the opportunity to respond to the recently filed complaint by MrG [redacted] Community Choice Financial, Inc., d/b/a, Cash One appreciates the role the Revdex.com serves in resolving consumer concerns and is happy to provide this response for youTo summarize his complaint, Mr [redacted] states on January 8, he visited Cash One to purchase a Money Order and he was advised by customer service representative of a 2.25% charge when using a debit cardMr [redacted] claims he paid a total of $when he should have paid $for an $Money OrderMr [redacted] requests a refund of the overcharged amountA search of the records determined when Mr [redacted] visited Cash One, he was advised that for an ATM transaction there is a 2.25% or a minimum of $feeThis information is also displayed by the ATM Pin Pad as “Cash Withdrawal Fee”Since Mr [redacted] purchased an $Money Order and 2.25% of the transaction was $not $or more, the system will automatically charge $plus the $for the Money Order making Mr [redacted] transaction a total of $Cash One values all of its customers and hopes this response answers to Mr [redacted] ’s concernsShould 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 of [redacted] We appreciate the role the Revdex.com serves in resolving consumer concernsIn researching Ms [redacted] ’s complaint, we identified an error in how her payment was applied to her account when she made her loan payment on November 28, As a result of the error, Ms [redacted] ’s check was deposited and it was subsequently returned as an unpaid item by her financial institutionDue to this item being returned, this caused Ms [redacted] ’s account to reflect a past due status and was referred to Easy Money’s Corporate Collections Department on December 17, In recognition of our error, Easy Money will refund Ms [redacted] the $NSF fee she received by her financial institution We request Ms [redacted] let us know if she would prefer to obtain this refund by visiting the retail branch location she conducted business, we can mail her a refund check or have our treasury department deposit the refund amount directly into her bank account Ms [redacted] can contact me directly at ###-###-#### or via email at [redacted] Easy Money has taken the proper corrective action on Ms [redacted] ’s account and her account will be updated to reflect a paid in full status Easy Money apologize for the inconvenience this may have caused herShould the Revdex.com or Ms [redacted] have any additional questions, I can be contact directly by phone or via email
[redacted] This letter responds to your correspondence of May 4, 2015, regarding the above-referenced matterThank you for bringing [redacted] ’s complaint to our attentionWe 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, [redacted] initially took an advance of $on that dateOn July 31, 2014, [redacted] initiated an additional $advance against that same line of creditThe 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 accountWhat [redacted] may have forgotten is that as part of her Agreement she authorized Automated Clearing House (“ACH”) debit entries from her bank accountFor ease of reference, I have enclosed a copy of [redacted] ’s Agreement dated December 30, 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 $Our records further indicate that an ACH processed on April 30, ($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 providedAs 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 $Because First Virginia understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amountsFirst Virginia’s records do not indicate that, at this time, [redacted] has made any specific arrangements for repayment of her past due balanceTherefore, [redacted] ’s account has been placed in a “hold” status, which means that interest accrual and collection efforts have been temporarily suspended on her accountWe 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 ***, but [redacted] must contact her prior to May 27, If we have not heard from [redacted] by this time, collection activity will resume on her accountWe 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 matterShould you have any additional questions, please feel free to contact me Sincerely, [redacted] ***
Thank you for the opportunity to respond to Ms [redacted] ’s complaint update Buckeye Credit Solutions, LLC (“CheckSmart”) appreciates the role the Revdex.com serves in resolving consumer concerns and we are happy to provide this response for youIn her update, Ms [redacted] states she will be unable to make her payment of $on her March 3, due dateShe requests her payment schedule be adjusted to allow her to pay $on March 3, and her remaining balance of $on April 3, CheckSmart is happy to accept Ms [redacted] ’s proposalHer next payment is now in the lower amount of $on March 3, with the remainder due April 3, We thank her for her businessIf Ms [redacted] or the Revdex.com have any additional questions or concerns, we may be reached directly at [email protected]
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 complaintThank 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, The three remaining installments of $to be paid by me, on every other Monday,August 8, August 22, and September 5, 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 $that was due on July 4, 2016, WAS paid by me, in person, at the CheckSmart Store location on Main Street in Cincinnati, OH, 45202, on July 1, 2016, at 2:01:pm; for Account # [redacted] , which was the account number assigned to this Loan by the initial lender, NCPThis payment was processed by Clerk ID#: [redacted] ; Terminal ID#: [redacted] ; Transaction Code : ***.Secondly, I am a seasonal employee with the [redacted] in [redacted] **, and was furloughed/laid off on June 30, 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 $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, Several day later, I made a follcall to NCP and was told that the Money Order payment of $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 CC., explained the reason for my call, and was given the telephone number of the CheckSmart Corporate Office by CC I called CheckSmart’s Corporate Office immediately after hanging up with CCand 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, to July 11, 2016, I had already submitted payments totaling $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 $which I mailed in to NCP, I will be happy to provide you with them Thank you
Thank for the opportunity to respond to the recently filed complaint of Mr [redacted] We appreciate the role the Revdex.com serves in resolving consumer concerns and are happy to provide this response for youMr [redacted] states he has not been supplied a copy of his loan contract, per his requestWe respectfully direct his attention to our May response to the Consumer Financial Protection Bureau, where he will find his loan contract as an attachmentCash Central thanks Mr [redacted] for receipt of his police report and a copy of his government-issued identificationPlease allow – business days for us to complete the Identity Theft ProcessThe result of the investigation will be provided via mailShould the Revdex.com or Mr [redacted] have any further questions or concerns, please contact us directly at [redacted]