Dear Mr [redacted] -Thank you for the followup If one of our employees told you that your call was recorded, I apologize I will get to the bottom of it and make sure that if it did happen, that it does not happen again As far as the amount you owe to payoff your account, that payoff is available any time at your request When you called us on 2/9/for a payoff amount, we quoted you $ You then paid us that same day the amount of $ This payment advanced your next due date well into the future, which is why you then received statements showing that no payment was due, but it did not pay your account off You called again later the same day to check on your balance, and we informed you that you still owed $to be paid in full I am not sure where we went wrong in our communication, but the narratives that we entered on your account seem clearThe statement that you are responsible for the entire financed amount even if you pay off early is correct That amount is always due in full However, if you pay off early, only the interest due up to that date is owed, the rest of the interest written off We did not issue any documentation If you want to e-mail us anything directly, please e-mail to [email protected] balance as of today is $1371.76, and your payoff amount is $ Because you seem to sincerely believe that we did not inform you properly of your payoff, we will accept $as a payoff if payment is made on or before October 31, Sincerely,Rick C**, President, AEI
We are sorry the buyer is unhappy with the purchase American Enterprises is a direct sales finance company with no relationship with the sales company other than we purchase their contracts from time to time Before a purchase, we verify the terms of the contract with the buyer, which in the case of Ms***, we did on April 7th at 9:a.m At that time Ms [redacted] did not express any concerns about the purchase, and verified the terms and that she had the merchandise and answered our security question of her mother's maiden name as [redacted] The three day cancellation period is clearly stated on the contract, and our contact with Ms [redacted] was well after the expiration of that period of time We purchased the merchandise for Ms***, and we cannot get our money back unless the dealer that sold her the merchandise agrees to cancel the sale and refund us
Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11935071, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards,I never talked to anyone from Finance company until I had to start making paymentsThe woman who sold me the vacuum told me everything and went over the terms with meThey have called me time in the last day THREATENING me trying to get me to make a paymentThe last guy was really hostile and also admitted that they don't have the back of the finance agreement on fileI am still dealing with Filter Queen as they are the root of the issue Rosa [redacted]
We are sorry that you are unhappy with your purchase We are a finance company, with no relationship with the sales company, other than that we finance their sales from time to time However, we have financed this product for the seller for many years, and the product has a great reputation in the industry I own the product myself It is our belief that your family is safer because you have the alarms.As a finance company, the best that we can do is offer to reduce your monthly payment, from $89.86, to $ This will not reduce what you owe in total, and will extend your account about twelve more months, but will not cost you any more interest In essence we are offering you twelve months of your loan interest free I will make the changes on your account If you do not want the reduced payment, please let us know.Sincerely, [redacted] ***, President, AEI
Mr [redacted] got into delinquent status, apparently due to our company being unable to draft a payment from his checking account Mr [redacted] has paid every other payment on time I am sure that there was just a misunderstanding Our representative called regarding the late payment, and it sounds like one thing or another led to a heated conversation Our goal is to keep our cool I apologize if we did not do that
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below I will not agree to your company calling the references I listed and discussing payment arrangements I understand calling when it's past due but I will not agree to discussing my account and past due payments with anyone on the reference list *** is out of protocol talking and giving out personal information to anyone on the reference list If this is company policy then the BBC should review the policy
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
I think the most likely scenario is that the buyers were told if they paid off early, that some of the interest would be written off, as this is a retail installment contract with all interest added in up front. Part of that interest is rebated based on the timing of the buyer paying in
full. We cannot find anything on the contract that refers to the customer having their interest refunded once they pay in full. We verified the terms of the contract with Rosa by telephone before purchasing it in January of If the buyers pay in full before March 1st, $of the interest on the contract will be written off. Thanks
Hello -The buyer contacted us in February of to ask what their payoff was, which we gave to them as 2667.27. Later that day they made a payment of 2000.00. They then called again that day, and we notified them that they still owed to pay their account
off. They contacted us again on 9/22/saying that they thought their account was paid in full, and we notified them of their new payoff amount. We contacted the buyer recently because their account was past due. Their payoff amount as of today is Please let us know if we can be of further assistance. We apologize if any of our communications were not clear, however based on the narratives on the account, everything seems in order.We do not record phone callsRick C**, President
We are sorry the buyer is unhappy with the purchase. American Enterprises is a direct sales finance company with no relationship with the sales company other than we purchase their contracts from time to time. Before a purchase, we verify the terms of the contract with the buyer, which
in the case of Ms***, we did on April 7th at 9:a.m. At that time Ms*** did not express any concerns about the purchase, and verified the terms and that she had the merchandise and answered our security question of her mother's maiden name as ***. The three day cancellation period is clearly stated on the contract, and our contact with Ms*** was well after the expiration of that period of time. We purchased the merchandise for Ms***, and we cannot get our money back unless the dealer that sold her the merchandise agrees to cancel the sale and refund us
Dear Mr*** -Thank you for the followup. If one of our employees told you that your call was recorded, I apologize. I will get to the bottom of it and make sure that if it did happen, that it does not happen again. As far as the amount you owe to payoff your account, that payoff is available any time at your request. When you called us on 2/9/for a payoff amount, we quoted you $2667.27. You then paid us that same day the amount of $ This payment advanced your next due date well into the future, which is why you then received statements showing that no payment was due, but it did not pay your account off. You called again later the same day to check on your balance, and we informed you that you still owed $to be paid in full. I am not sure where we went wrong in our communication, but the narratives that we entered on your account seem clearThe statement that you are responsible for the entire financed amount even if you pay off early is correct. That amount is always due in full. However, if you pay off early, only the interest due up to that date is owed, the rest of the interest written off. We did not issue any documentation. If you want to e-mail us anything directly, please e-mail to [email protected] balance as of today is $1371.76, and your payoff amount is $1268.69. Because you seem to sincerely believe that we did not inform you properly of your payoff, we will accept $as a payoff if payment is made on or before October 31, 2016. Sincerely,Rick C**, President, AEI
Okay, so beings that *** *** and affiliates WILL not take back their stuff are you going to still hold me liable for this debt? Here is why I ask, After ALL the letters and calls I have sent to Revdex.com & Consumer Protection, and yourpromise to "drop the liability of this debt IF *** *** *** takes their products back....Now If you understand that I don't feel I should PAY for ANY of it after ALL of the back and forth on the smells and them NOT calling or responding to the Original complaint until AFTER I called and told her to come get her stuff and sever thecontract as they seam to not care if it works properlyAs the calls I made to your office LONG before the due date and yes after the day, but the day came and wentwhen they set up the contract with you & I and I was told "it is to late" I also told you that I should NOT have to pay for product that does not do as stated or demo showing statedIt really does not smell in either my or my sister's aptafter we STOPPED the use of the air cleaners.So, If it is true these machines are made for medical cleanliness of the air we breath it has NOT happen in this case even after she brought said "new" units. They also seam to not care IF they work right or not as when their rep came in and he stated he could not smell as his allergies were inflamed due to a service job he'd just donethe day prior, I had to sniff and tell....(I'd already told him and others prior) what I could smell on the unitsHe refused to replace ANY of the filters or charcoal wraps at that time as well.told me they needed to be replaced about every 2wks and in the demo, It was stated it would a yrand for the filter, no quote on the wraps, or that they'd have to be changed so oftenSo in this I feel ALL was misrepresented in every wayHad they stood behind the products things would be different.SO, all this said, I feel you should go after *** *** *** and affiliates to regain the monies you put out and maybe then they will come to get their units from my home
Mr*** got into delinquent status, apparently due to our company being unable to draft a payment from his checking account. Mr*** has paid every other payment on time. I am sure that there was just a misunderstanding. Our representative called regarding the late
payment, and it sounds like one thing or another led to a heated conversation Our goal is to keep our cool. I apologize if we did not do that
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11935071, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,I never talked to anyone from Finance company until I had to start making paymentsThe woman who sold me the vacuum told me everything and went over the terms with meThey have called me time in the last day THREATENING me trying to get me to make a paymentThe last guy was really hostile and also admitted that they don't have the back of the finance agreement on fileI am still dealing with Filter Queen as they are the root of the issue
Rosa ***
If we can obtain any concessions from *** *** we will pass them along to you. In the meantime, we have reduced your total finance charge by 50%, from to 486.98, which reduces your monthly payment to $from $102.96, and your APR from 21% to to 10.87%
American Enterprises is a finance company unrelated to the sales companies that we finance. If the sales companies make any offers to the buyers related to terms, they are included in the contract, such as an offer of months same as cash, or things like that. I would like to review the paragraph that the buyer mentions in her last response. We verified all terms of the contract with the buyer over the phone before we agreed to purchase their equipment for them. We have been financing the direct sales industry for over years, and have never run into a contract that offered to refund all interest after the account was paid in full. If we can get detail of the paragraph in which the buyer feels she was misled, we can review. Thanks
The monthly payment on your account has been changed to $effective immediately, and your account has been upgraded to current. If you fall past due in the future, we will make collection calls as normal
Thank you for your responseHowever, your employees have lied to meThe last time they called, they said that it was recordedSo when the disput came up of whether we were misinformed or not, I asked to hear itWhen I asked, the woman said that she didn't have access to it now that it would take timeIt is unethical to lie to customers and to mislead themYour employees have mislead and lied to meI know for a fact had the amount to pay off was only less than $700, I would have paid it off themI was told that there was no pay off amountI was told that I was on the hook for the entire financed amount until the loan was paid offEven if I paid it off earlyThat is why I never paid it in fullSo someone at your company has put documentation. Next, you never addressed the issue about the invoices that were received that all said dueI was told to email them to someoneCan't email them to that person unless they give an email address. I would also like to address the fact that the last time your company called my wife, you have her a panic attack and I said that to the womanNever received an apology or anythingDo you only care about the bottom line and that's money or do you have an ethics policy on how to treat your customers?Sincerely,Jamie L***Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11754618, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Jamie L***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I would like to know when will this start I set up a payment for Nov 4th for $ If this starts now then I will only agree if your customer service rep stop harassing me or anyone on the reference list
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
We are sorry that you are unhappy with your purchase. We are a finance company, with no relationship with the sales company, other than that we finance their sales from time to time However, we have financed this product for the seller for many years, and the product has a great
reputation in the industry. I own the product myself. It is our belief that your family is safer because you have the alarms.As a finance company, the best that we can do is offer to reduce your monthly payment, from $89.86, to $59. This will not reduce what you owe in total, and will extend your account about twelve more months, but will not cost you any more interest. In essence we are offering you twelve months of your loan interest free. I will make the changes on your account. If you do not want the reduced payment, please let us know.Sincerely,*** ***, President, AEI
Dear Mr [redacted] -Thank you for the followup If one of our employees told you that your call was recorded, I apologize I will get to the bottom of it and make sure that if it did happen, that it does not happen again As far as the amount you owe to payoff your account, that payoff is available any time at your request When you called us on 2/9/for a payoff amount, we quoted you $ You then paid us that same day the amount of $ This payment advanced your next due date well into the future, which is why you then received statements showing that no payment was due, but it did not pay your account off You called again later the same day to check on your balance, and we informed you that you still owed $to be paid in full I am not sure where we went wrong in our communication, but the narratives that we entered on your account seem clearThe statement that you are responsible for the entire financed amount even if you pay off early is correct That amount is always due in full However, if you pay off early, only the interest due up to that date is owed, the rest of the interest written off We did not issue any documentation If you want to e-mail us anything directly, please e-mail to [email protected] balance as of today is $1371.76, and your payoff amount is $ Because you seem to sincerely believe that we did not inform you properly of your payoff, we will accept $as a payoff if payment is made on or before October 31, Sincerely,Rick C**, President, AEI
We are sorry the buyer is unhappy with the purchase American Enterprises is a direct sales finance company with no relationship with the sales company other than we purchase their contracts from time to time Before a purchase, we verify the terms of the contract with the buyer, which in the case of Ms***, we did on April 7th at 9:a.m At that time Ms [redacted] did not express any concerns about the purchase, and verified the terms and that she had the merchandise and answered our security question of her mother's maiden name as [redacted] The three day cancellation period is clearly stated on the contract, and our contact with Ms [redacted] was well after the expiration of that period of time We purchased the merchandise for Ms***, and we cannot get our money back unless the dealer that sold her the merchandise agrees to cancel the sale and refund us
Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11935071, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards,I never talked to anyone from Finance company until I had to start making paymentsThe woman who sold me the vacuum told me everything and went over the terms with meThey have called me time in the last day THREATENING me trying to get me to make a paymentThe last guy was really hostile and also admitted that they don't have the back of the finance agreement on fileI am still dealing with Filter Queen as they are the root of the issue Rosa [redacted]
We are sorry that you are unhappy with your purchase We are a finance company, with no relationship with the sales company, other than that we finance their sales from time to time However, we have financed this product for the seller for many years, and the product has a great reputation in the industry I own the product myself It is our belief that your family is safer because you have the alarms.As a finance company, the best that we can do is offer to reduce your monthly payment, from $89.86, to $ This will not reduce what you owe in total, and will extend your account about twelve more months, but will not cost you any more interest In essence we are offering you twelve months of your loan interest free I will make the changes on your account If you do not want the reduced payment, please let us know.Sincerely, [redacted] ***, President, AEI
Mr [redacted] got into delinquent status, apparently due to our company being unable to draft a payment from his checking account Mr [redacted] has paid every other payment on time I am sure that there was just a misunderstanding Our representative called regarding the late payment, and it sounds like one thing or another led to a heated conversation Our goal is to keep our cool I apologize if we did not do that
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below I will not agree to your company calling the references I listed and discussing payment arrangements I understand calling when it's past due but I will not agree to discussing my account and past due payments with anyone on the reference list *** is out of protocol talking and giving out personal information to anyone on the reference list If this is company policy then the BBC should review the policy
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
I think the most likely scenario is that the buyers were told if they paid off early, that some of the interest would be written off, as this is a retail installment contract with all interest added in up front. Part of that interest is rebated based on the timing of the buyer paying in
full. We cannot find anything on the contract that refers to the customer having their interest refunded once they pay in full. We verified the terms of the contract with Rosa by telephone before purchasing it in January of If the buyers pay in full before March 1st, $of the interest on the contract will be written off. Thanks
Hello -The buyer contacted us in February of to ask what their payoff was, which we gave to them as 2667.27. Later that day they made a payment of 2000.00. They then called again that day, and we notified them that they still owed to pay their account
off. They contacted us again on 9/22/saying that they thought their account was paid in full, and we notified them of their new payoff amount. We contacted the buyer recently because their account was past due. Their payoff amount as of today is Please let us know if we can be of further assistance. We apologize if any of our communications were not clear, however based on the narratives on the account, everything seems in order.We do not record phone callsRick C**, President
We are sorry the buyer is unhappy with the purchase. American Enterprises is a direct sales finance company with no relationship with the sales company other than we purchase their contracts from time to time. Before a purchase, we verify the terms of the contract with the buyer, which
in the case of Ms***, we did on April 7th at 9:a.m. At that time Ms*** did not express any concerns about the purchase, and verified the terms and that she had the merchandise and answered our security question of her mother's maiden name as ***. The three day cancellation period is clearly stated on the contract, and our contact with Ms*** was well after the expiration of that period of time. We purchased the merchandise for Ms***, and we cannot get our money back unless the dealer that sold her the merchandise agrees to cancel the sale and refund us
Dear Mr*** -Thank you for the followup. If one of our employees told you that your call was recorded, I apologize. I will get to the bottom of it and make sure that if it did happen, that it does not happen again. As far as the amount you owe to payoff your account, that payoff is available any time at your request. When you called us on 2/9/for a payoff amount, we quoted you $2667.27. You then paid us that same day the amount of $ This payment advanced your next due date well into the future, which is why you then received statements showing that no payment was due, but it did not pay your account off. You called again later the same day to check on your balance, and we informed you that you still owed $to be paid in full. I am not sure where we went wrong in our communication, but the narratives that we entered on your account seem clearThe statement that you are responsible for the entire financed amount even if you pay off early is correct. That amount is always due in full. However, if you pay off early, only the interest due up to that date is owed, the rest of the interest written off. We did not issue any documentation. If you want to e-mail us anything directly, please e-mail to [email protected] balance as of today is $1371.76, and your payoff amount is $1268.69. Because you seem to sincerely believe that we did not inform you properly of your payoff, we will accept $as a payoff if payment is made on or before October 31, 2016. Sincerely,Rick C**, President, AEI
Okay, so beings that *** *** and affiliates WILL not take back their stuff are you going to still hold me liable for this debt? Here is why I ask, After ALL the letters and calls I have sent to Revdex.com & Consumer Protection, and yourpromise to "drop the liability of this debt IF *** *** *** takes their products back....Now If you understand that I don't feel I should PAY for ANY of it after ALL of the back and forth on the smells and them NOT calling or responding to the Original complaint until AFTER I called and told her to come get her stuff and sever thecontract as they seam to not care if it works properlyAs the calls I made to your office LONG before the due date and yes after the day, but the day came and wentwhen they set up the contract with you & I and I was told "it is to late" I also told you that I should NOT have to pay for product that does not do as stated or demo showing statedIt really does not smell in either my or my sister's aptafter we STOPPED the use of the air cleaners.So, If it is true these machines are made for medical cleanliness of the air we breath it has NOT happen in this case even after she brought said "new" units. They also seam to not care IF they work right or not as when their rep came in and he stated he could not smell as his allergies were inflamed due to a service job he'd just donethe day prior, I had to sniff and tell....(I'd already told him and others prior) what I could smell on the unitsHe refused to replace ANY of the filters or charcoal wraps at that time as well.told me they needed to be replaced about every 2wks and in the demo, It was stated it would a yrand for the filter, no quote on the wraps, or that they'd have to be changed so oftenSo in this I feel ALL was misrepresented in every wayHad they stood behind the products things would be different.SO, all this said, I feel you should go after *** *** *** and affiliates to regain the monies you put out and maybe then they will come to get their units from my home
Mr*** got into delinquent status, apparently due to our company being unable to draft a payment from his checking account. Mr*** has paid every other payment on time. I am sure that there was just a misunderstanding. Our representative called regarding the late
payment, and it sounds like one thing or another led to a heated conversation Our goal is to keep our cool. I apologize if we did not do that
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11935071, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,I never talked to anyone from Finance company until I had to start making paymentsThe woman who sold me the vacuum told me everything and went over the terms with meThey have called me time in the last day THREATENING me trying to get me to make a paymentThe last guy was really hostile and also admitted that they don't have the back of the finance agreement on fileI am still dealing with Filter Queen as they are the root of the issue
Rosa ***
If we can obtain any concessions from *** *** we will pass them along to you. In the meantime, we have reduced your total finance charge by 50%, from to 486.98, which reduces your monthly payment to $from $102.96, and your APR from 21% to to 10.87%
American Enterprises is a finance company unrelated to the sales companies that we finance. If the sales companies make any offers to the buyers related to terms, they are included in the contract, such as an offer of months same as cash, or things like that. I would like to review the paragraph that the buyer mentions in her last response. We verified all terms of the contract with the buyer over the phone before we agreed to purchase their equipment for them. We have been financing the direct sales industry for over years, and have never run into a contract that offered to refund all interest after the account was paid in full. If we can get detail of the paragraph in which the buyer feels she was misled, we can review. Thanks
The monthly payment on your account has been changed to $effective immediately, and your account has been upgraded to current. If you fall past due in the future, we will make collection calls as normal
Thank you for your responseHowever, your employees have lied to meThe last time they called, they said that it was recordedSo when the disput came up of whether we were misinformed or not, I asked to hear itWhen I asked, the woman said that she didn't have access to it now that it would take timeIt is unethical to lie to customers and to mislead themYour employees have mislead and lied to meI know for a fact had the amount to pay off was only less than $700, I would have paid it off themI was told that there was no pay off amountI was told that I was on the hook for the entire financed amount until the loan was paid offEven if I paid it off earlyThat is why I never paid it in fullSo someone at your company has put documentation. Next, you never addressed the issue about the invoices that were received that all said dueI was told to email them to someoneCan't email them to that person unless they give an email address. I would also like to address the fact that the last time your company called my wife, you have her a panic attack and I said that to the womanNever received an apology or anythingDo you only care about the bottom line and that's money or do you have an ethics policy on how to treat your customers?Sincerely,Jamie L***Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11754618, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Jamie L***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I would like to know when will this start I set up a payment for Nov 4th for $ If this starts now then I will only agree if your customer service rep stop harassing me or anyone on the reference list
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
We are sorry that you are unhappy with your purchase. We are a finance company, with no relationship with the sales company, other than that we finance their sales from time to time However, we have financed this product for the seller for many years, and the product has a great
reputation in the industry. I own the product myself. It is our belief that your family is safer because you have the alarms.As a finance company, the best that we can do is offer to reduce your monthly payment, from $89.86, to $59. This will not reduce what you owe in total, and will extend your account about twelve more months, but will not cost you any more interest. In essence we are offering you twelve months of your loan interest free. I will make the changes on your account. If you do not want the reduced payment, please let us know.Sincerely,*** ***, President, AEI