I have reviewed the response made by the business in reference to complaint ID ####, and find that this resolution is satisfactory to me Regards, [redacted] ***
[redacted] [redacted] This letter responds to your correspondence of October 7, 2014, regarding the above-referenced matterThank you for bringing [redacted] ’s complaint to our attentionWe appreciate the role of the Revdex.com in mediating consumer complaintsOur records indicate that [redacted] initiated an open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on July 2, [redacted] initially took an advance of $1,on that dateThe disclosures in the Line of Credit Agreement (“Agreement”) explain how the interest and fees are calculated in each billing cycleUnder the Agreement, if a customer pays back any advance within thirty days of taking it, they would pay no interest or finance charges on those advances As of today’s date, [redacted] ’s Line of Credit has a current balance of $1,690.34, with a past due amount owed of $ [redacted] s complaint, as I understand it, is regarding “unauthorized debits” to her checking accountBecause efforts by First Virginia’s corporate collections department to encourage [redacted] to make payment of her past due balance on her account were unsuccessful, First Virginia initiated an EFT payment using the account information [redacted] provided when she signed the AgreementFirst Virginia’s EFT attempts were done in accordance with her Agreement: “If you are in default under this Agreement, we may, at our option, do any of the following: (i) Process an electronic fund transfer (“EFT”), where authorized, against your designated bank account(s) for the entire balance, including any late fees and/or returned item fees, or for smaller sums, not to exceed your entire balance; (ii) declare the whole outstanding balance due on your Account immediately due and payable and proceed to collect it; (iii) close your Account or lower your credit limit; (iv) exercise all other rights, powers, and remedies given by law.” For ease of reference, I have enclosed a copy of [redacted] 's Agreement dated July 2, Our records indicate that an EFT payment was processed against [redacted] ’s bank account on file on October 2, 2014, for the past due amount of $Our records further indicate that this EFT payment was returned by [redacted] ’s financial institution on October 7, 2014, due to “No Authorization”Because this payment was returned to First Virginia as unpaid, this amount remains past due and owing on [redacted] ’s line of creditI 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 gave in her line of credit Agreement; however, as a courtesy to [redacted] , based on her complaint with the Revdex.com, 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 creditIn addition to [redacted] ’s Revdex.com complaint case number referenced above, [redacted] also submitted a Customer Review regarding her experience with First Virginia In her Customer Review, [redacted] states that: “I borrowed from them in July to bury my husbandI was told that my monthly payments would be $a monthWhen I asked what the 240% interest rate was about, the clerk told me ‘Don’t worry about thatIt’s just on the form and won’t apply to you’She was wrongIt did applyI pay them a month on the loan but it doesn’t even cover the interest costPlus after paying them this month, they withdrew from my checking account which caused overdraft to my accountIn addition, this company harrasses [sic] you with phone calls even though your account is being paid ” In response to [redacted] ’s Customer Review, First Virginia responded that we would address her concerns in our response to this complaintAfter discussing [redacted] ’s concerns with First Virginia management, and the employee that assisted her in applying for and opening her Line of Credit, we have found that the employee that assisted [redacted] followed First Virginia’s policies and did not give her any information as [redacted] states in her Customer Review The employee that assisted [redacted] discussed her first two payments to be due on August 1, ($272.26) and August 31, ($370.89)The employee that assisted [redacted] did review the Annual Percentage Rate (“APR”) for the line of credit and, at no time was [redacted] advised that the APR did not apply to herThe employee that assisted [redacted] reviewed the Agreement with her and explained that if [redacted] were to pay back any advance within thirty days of taking it, she would pay no interest or finance charges on those advances It was also explained to [redacted] that the second payment on her credit line would be the highest of her paymentsIn addition, [redacted] ’s Agreement should answer any remaining questions that she might haveThe Agreement details how the minimum payment each month is calculated and how payments made by [redacted] will be applied to her balance [redacted] ’s Agreement also states, “ You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the New Balance in full As this line of credit has a high interest rate, you are encouraged to pay as much as you can each month to reduce the amount you owe ” [redacted] further states in her Customer Review that she feels harassed by telephone calls received from First Virginia As a lender, First Virginia periodically contacts its customers to provide reminders about their loan payment due datesThis contact is made only after obtaining the borrower’s written consent to contact them using the information that they provideTelephone calls to [redacted] were made as gestures of customer service and were courtesy reminders of upcoming payment due dates; however, when [redacted] ’s credit line went into default status, employees of First Virginia attempted to contact her to make arrangements for payment of her defaulted credit line prior to referring her account to First Virginia’s corporate collections departmentRegardless, it is never First Virginia’s intentions to make any of our customers feel harassed and, as such, I would like to offer my apologies for any telephone calls or messages that [redacted] received that she perceived to be unacceptable I hope the response set forth has addressed both your and [redacted] ’s concernsShould you have any questions or need additional information, please feel free to contact me Sincerely, [redacted]
[redacted] I am writing in response to your correspondence dated September 16, 2014, and referenced aboveWe appreciate the role of your office in resolving consumer complaints and are happy for the opportunity to respond to you and hope to address [redacted] 's concerns Our records indicate that [redacted] obtained a loan from Buckeye Title Loans, Inc("Buckeye Title") on June 5, This loan was to be repaid in bi-weekly installments, as detailed on the attached loan agreement signed by [redacted] and dated June 5, [redacted] 's loan originally went into default status on November 18, 2013, due to non-paymentTo assist [redacted] in bringing her loan current, Buckeye Title's internal collection department worked with her to refinance tier loan by waiving certain fees and interestAt that time and upon receipt of a $payment that she made on November 21, 2013, [redacted] refinanced her loan in the amount of $3,(A principal balance of $1,534.50, and finance charge totalling $1,715.14) [redacted] 's November 21, loan was to be repaid in biweekly installments beginning on November 29, 2013, through November 14, 14, and currently has an outstanding balance of $1,as of today's dateThe payments [redacted] agreed to are detailed as follows: Date Due Amount 1/29/$ 12/13/$ 12/26/$ 1/10/$ $ 2/7/$ 2/21/$ 3/7/$ 3/21/$ 4/4/$ 4/18/$ 5/2/$ 5/16/$ 5/30/$ 3/$ 6/27/$ 7/11/$ 7/25\$ 8/8/$ 8/22/$ 9/5/$ 9/19/$ 10/3/$ 10/17/$ 10/31/$ 11/14/$ [redacted] 's complaint, as I understand it, is that she feels she has not received credit for all payments that she has made towards her remaining loan balance because she feels she is owed a refund due to an overpayment of her accountOur records reflect that wc have received the following payments from [redacted] Date Amount 1/27/$ 12/12/$ 12/26/$ /9/$ 1/23/$ 2/6/$ 2/20/$ 3/6/$ 3/20/$ 4/5/$ 4/17/$ 5/1/$ Our records indicate that we have not received any payment from [redacted] since her May 1, payment, although payments have been due on a bi-weekly basis since May 16, [redacted] 's additional complaint concerns are regarding "illegally entering checking account when told not to, given the customer the run around regarding over payment and lack of printing out final receipt." Because efforts by Buckeye Title to contact [redacted] to resolve her past due balance were unsuccessful, Buckeye Title initiated Automated Clearing House ("ACH") debit entries using the account provided by [redacted] when she signed her loan agreementBuckeye Title's ACH payment attempts were done in accordance with [redacted] 's loan agreement; however, I can confirm that all ACH payments processed by Buckeye Title were returned as unpaid and were not honored by [redacted] 's financial institution [redacted] also feels that she was given "the run around regarding overpayment" of her account Buckeye Title has no record of any overpayment owed to [redacted] Finally, [redacted] states she did not receive a "final receipt" for her last paymentAs previously stated, [redacted] 's last bi-weekly payment is not due until November 14, 2014; however, [redacted] would have been provided with a payment receipt at the time of payment for each payment made in person at the retail branch location where she originally obtained her loan If [redacted] feels she has not received full credit for all payments she has made, I welcome her to provide me with any receipts reflecting any payments for which she has not received creditUpon receipt of such documentation from [redacted] , I will be glad to research any missed or misapplied payments to her outstanding account balanceThese can be scanned and emailed to me directly at [email protected]~n, faxed to my attention at ###-###-####, or can be submitted through the Revdex.com's online complaint system Although Buckeye Title tried to resolve [redacted] 's outstanding balance directly with her, because we were unsuccessful her account has been referred to an outside collection agency, [redacted] *** At this time, we would encourage [redacted] to contact [redacted] directly for further assistance regarding her outstanding balance and to discuss what options may be available for repayment of her outstanding obligation [redacted] can be contacted as follows: [redacted] Phone: ###-###-#### At this time, we have requested that [redacted] put [redacted] 's account in a "hold status, meaning that their collections efforts have been temporarily suspendedIt is important that she contact their office at her earliest convenience to discuss her balanceIf [redacted] has not heard from [redacted] by October 14, 2014, the collections efforts will resume We sincerely hope that you find the response set forth above and the enclosed copies of [redacted] 's Loan Agreements acceptable in addressing your concernsShould you have any questions, please do not hesitate to contact me Enclosures
[redacted] [redacted] * This letter responds to your original correspondence of September 24, 2014, regarding the above-referenced matter We appreciate the role of the Revdex.com in helping to resolve consumer complaints Our records indicate that [redacted] *** obtained a loan from Buckeye Check Cashing of Tennessee, LLC (“Easy Money”) on July 14, [redacted] ***’s loan was due for repayment on July 31, 2014, and she provided a check to pay her loan on that dateEasy Money deposited [redacted] ***’s check, and it was subsequently returned by her financial institution as an unpaid item due to non-sufficient fundsAs of today’s date, [redacted] *** has a remaining balance on her account of $ [redacted] ***’s complaint, as I understand it, is regarding telephone calls with Easy Money’s internal collections staff When a customer defaults on a loan, it is our standard procedure to contact the customer at the telephone numbers they have provided in an effort to make arrangements with them to pay the balance on their account This contact is made only after obtaining the borrower’s written consent to contact them using the information that they provide I have taken this opportunity to listen to the recorded telephone calls with [redacted] *** captured by our call recording system and I would like to apologize to [redacted] for any mistreatment she believes that she received from our collections staff After listening to these calls, I’ve found that the representatives who spoke to [redacted] *** should have spoken to her in a more professional mannerPlease know that the telephone calls in question have been reviewed with the Easy Money corporate collections employees involved [redacted] should know that the situation has also been reviewed with management and the conversations that occurred with [redacted] *** have been documented The employees involved have been reminded of Easy Money’s commitment to customer service It is never Easy Money’s intention to make any of our customers feel harassed As such, we would like to extend our apologies for any treatment that [redacted] received that she perceived to be unacceptable As previously stated, [redacted] has an outstanding account balance of $In her complaint, she states that she contacted Easy Money’s corporate collections department regarding her final payment that she had scheduled for September 30, 2014, so that she could pay her remaining balance at an Easy Money Retail branch locationTo date, we have not received her September 30th payment; however, during a telephone conversation with a representative of Easy Money’s corporate collections department, [redacted] stated that she would be unable to make payment until October 13, As a courtesy to [redacted] ***, Easy Money cancelled her payment for September that was to be processed to her credit card on September 30, [redacted] has the option to make her remaining payment of $at an Easy Money retail branch location, or she can call in to Easy Money’s corporate collections department to make the payment over the phone [redacted] can contact [redacted] , a senior supervisor in our collections area, at ###-###-####, extension #####, to make her payment over the phoneWe have marked her account for follow up on October 14th and, if we have not received her payment by that time, may resume collection efforts for the remaining payment due I sincerely hope that he response set forth above provides a satisfactory resolution to this matter Should you have any additional questions, please feel free to contact me Sincerely, [redacted]
the response given by the company is a lie. I know what the lady told me and at no time did She say that the money needed to be paid back in 30 days. I was not in default on the loan because I was told that I could pay $230.00 a month after I found out that the payment wasn't going to be $195.00 a month. I don't care what the clerk told the company, I know what She told me in the office. First Virginia is worse than a loan shark and I will be glad when I.am about e to pay them off. Thank you BBB for Looking into this matter for me. I appreciate all that you have done. Regards, [redacted]
*** *** ***
*** *** ***
*** ** *** *** ***
*** *** ***
*** *** ***
*** *** *** ** *** * *** *** ***
*** *** ***
This letter responds to your correspondence of September 16, 2014, regarding the above-referenced matter. We appreciate the role your office plays in helping to resolve consumer concerns.
Our records indicate that *** *** initiated an open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on January 9, 2014. *** *** initially took an advance of $1,on that dateThe disclosures in the Line of Credit Agreement (“Agreement”) explain how the interest and fees are calculated in each billing cycle. Under the Agreement, if a customer pays back any advance within thirty days of taking it, they would pay no interest or finance charges on those advancesAs of today’s date, the balance of *** ***’ credit line is $1,
*** ***’ complaint, as I understand it, is that she revoked the ACH/EFT Authorization she gave to First Virginia when she signed her Agreement on January 9, Our records reflect that her letter revoking this authorization, dated September 3, 2014, was processed by our corporate office on September 15, *** *** should rest easy knowing that no further ACH/EFT payments will be processed to her account in relation to this Line of CreditShould MsEvans obtain any future financial products from First Virginia, she will be required to submit separate requests revoking any ACH/EFT Authorizations that she signs for any new transaction that she enters into with First Virginia
*** *** also states in her complaint that she spoke with a representative of First Virginia in August who she states was supposed to submit a request to change her payment due date for the month of AugustUnfortunately, any such requests cannot be guaranteed and must be made in writing by our customerWe have no record of receiving any written request from *** *** prior to her letter dated September 3, 2014, revoking the ACH/EFT Authorization she signed on January 9,
At this time, after having discussed *** ***’ complaint with management, her September 11, payment of $216.99, will be refunded to her directly to the checking account First Virginia has on fileOnce refunded, this will affect *** ***' account balance and she is still responsible to make this payment as soon as possible***’ current billing cycle ends on September 25, 2014, and her next billing statement will be generated on September 26,
I sincerely hope that the response set forth has addressed both your and *** ***’ concernsI would like to take this opportunity to apologize to *** *** for any frustration that this situation may have caused herWe value *** ***’ as a customer and look forward to continuing to service her financial needs
Should you have any questions, please contact me.
Sincerely, *** ***
At this time, we are still researching *** ***'s concernsWe anticipate our response to be completed no later than Tuesday, September 30, 2014.
If, in the meantime, *** *** wishes to do so, we ask that she provide her record of all payments that she made, with a clear indication of
which payments she made for which she did not receive creditFor any payments that *** *** made in person at a retail branch location, she would have been provided with a payment receipt for that paymentWe ask that *** *** provide us with a clear, legible accounting and supporting documentation for any payment made towards her loan balance.
We look forward to receiving *** ***'s supporting documentation and providing our response to the Revdex.com once this matter has been resolved.
Sincerely,
*** ***
*** *** * *** *** ***
***
I have reviewed the response made by the business in reference to complaint ID ####, and find that this resolution is satisfactory to me.
Regards,
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
I am writing in response to your correspondence dated September 16, 2014, and referenced above. We
appreciate the role of your office in resolving consumer complaints and are happy for the opportunity to
respond to you and hope to address [redacted]'s concerns.
Our records indicate that [redacted] obtained a loan from Buckeye Title Loans, Inc. ("Buckeye Title")
on June 5, 2013. This loan was to be repaid in 26 bi-weekly installments, as detailed on the attached loan
agreement signed by [redacted] and dated June 5,2013. [redacted]'s loan originally went into default
status on November 18, 2013, due to non-payment. To assist [redacted] in bringing her loan current,
Buckeye Title's internal collection department worked with her to refinance tier loan by waiving certain
fees and interest. At that time and upon receipt of a $267.96 payment that she made on November 21,
2013, [redacted] refinanced her loan in the amount of $3,249.64 (A principal balance of $1,534.50, and
finance charge totalling $1,715.14). [redacted]'s November 21, 2013 loan was to be repaid in 26 biweekly
installments beginning on November 29, 2013, through November 14, 20 14, and currently has an
outstanding balance of $1,459.81 as of today's date. The payments [redacted] agreed to are detailed as
follows:
Date Due Amount
1 1/29/20 13 $124.98
12/13/2013 $124.98
12/26/20 13 $124.98
1/10/2014 $124.98
1 124120 14 $124.98
2/7/20 14 $124.98
2/21/2014 $124.98
3/7/2014 $124.98
3/21/2014 $124.98
4/4/2014 $124.98
4/18/2014 $124.98
5/2/20 14 $124.98
5/16/2014 $124.98
5/30/20 14 $124.98
611 3/20 14 $124.98
6/27/20 14 $124.98
7/11/2014 $124.98
7/25\20 14 $124.98
8/8/201 4 $124.98
8/22/2014 $124.98
9/5/20 14 $124.98
9/19/2014 $124.98
10/3/20 14 $124.98
10/17/2014 $124.98
10/31/2014 $124.98
11/14/2014 $125.14
[redacted]'s complaint, as I understand it, is that she feels she has not received credit for all payments
that she has made towards her remaining loan balance because she feels she is owed a refund due to an
overpayment of her account. Our records reflect that wc have received the following payments from [redacted]
[redacted]
Date Amount
1 1/27/2013 $124.98
12/12/2013 $124.98
12/26/2013 $124.98
1 /9/2014 $125.00
1/23/2014 $125.00
2/6/20 14 $125.00
2/20/2014 $125.00
3/6/20 14 $140.00
3/20/2014 $125.00
4/5/2014 $125.00
4/17/2014 $130.00
5/1/2014 $125.00
Our records indicate that we have not received any payment from [redacted] since her May 1, 2014
payment, although payments have been due on a bi-weekly basis since May 16, 2014. [redacted]'s
additional complaint concerns are regarding "illegally entering checking account when told not to, given
the customer the run around regarding over payment and lack of printing out final receipt." Because
efforts by Buckeye Title to contact [redacted] to resolve her past due balance were unsuccessful,
Buckeye Title initiated Automated Clearing House ("ACH") debit entries using the account provided by
[redacted] when she signed her loan agreement. Buckeye Title's ACH payment attempts were done in
accordance with [redacted]'s loan agreement; however, I can confirm that all ACH payments processed
by Buckeye Title were returned as unpaid and were not honored by [redacted]'s financial institution.
[redacted] also feels that she was given "the run around regarding overpayment" of her account.
Buckeye Title has no record of any overpayment owed to [redacted]. Finally, [redacted] states she did
not receive a "final receipt" for her last payment. As previously stated, [redacted]'s last bi-weekly
payment is not due until November 14, 2014; however, [redacted] would have been provided with a
payment receipt at the time of payment for each payment made in person at the retail branch location
where she originally obtained her loan.
If [redacted] feels she has not received full credit for all payments she has made, I welcome her to
provide me with any receipts reflecting any payments for which she has not received credit. Upon receipt
of such documentation from [redacted], I will be glad to research any missed or misapplied payments to
her outstanding account balance. These can be scanned and emailed to me directly at [email protected]~n,
faxed to my attention at ###-###-####, or can be submitted through the Revdex.com's online complaint system.
Although Buckeye Title tried to resolve [redacted]'s outstanding balance directly with her, because
we were unsuccessful her account has been referred to an outside collection agency, [redacted]
[redacted] At this time, we would encourage [redacted] to contact [redacted] directly for further
assistance regarding her outstanding balance and to discuss what options may be available for
repayment of her outstanding obligation. [redacted] can be contacted as follows:
[redacted]
[redacted]
[redacted]
[redacted]
Phone: ###-###-####
At this time, we have requested that [redacted] put [redacted]'s account in a "hold status,
meaning that their collections efforts have been temporarily suspended. It is important that she
contact their office at her earliest convenience to discuss her balance. If [redacted] has not
heard from [redacted] by October 14, 2014, the collections efforts will resume.
We sincerely hope that you find the response set forth above and the enclosed copies of [redacted]'s
Loan Agreements acceptable in addressing your concerns. Should you have any questions, please do not
hesitate to contact me.
Enclosures
the response given by the company is a lie. I know what the lady told me and at no time did She say that the money needed to be paid back in 30 days. I was not in default on the loan because I was told that I could pay $230.00 a month after I found out that the payment wasn't going to be $195.00 a month. I don't care what the clerk told the company, I know what She told me in the office. First Virginia is worse than a loan shark and I will be glad when I.am about e to pay them off.
Thank you Revdex.com for Looking into this matter for me. I appreciate all that you have done.
Regards,
[redacted]
[redacted]
[redacted]
[redacted]
*
This letter responds to your original correspondence of September 24, 2014, regarding the above-referenced matter. We appreciate the role of the Revdex.com in helping to resolve consumer...
complaints.
Our records indicate that [redacted] obtained a loan from Buckeye Check Cashing of Tennessee, LLC (“Easy Money”) on July 14, 2014. [redacted]’s loan was due for repayment on July 31, 2014, and she provided a check to pay her loan on that date. Easy Money deposited [redacted]’s check, and it was subsequently returned by her financial institution as an unpaid item due to non-sufficient funds. As of today’s date, [redacted] has a remaining balance on her account of $187.50.
[redacted]’s complaint, as I understand it, is regarding telephone calls with Easy Money’s internal collections staff. When a customer defaults on a loan, it is our standard procedure to contact the customer at the telephone numbers they have provided in an effort to make arrangements with them to pay the balance on their account. This contact is made only after obtaining the borrower’s written consent to contact them using the information that they provide. I have taken this opportunity to listen to the recorded telephone calls with [redacted] captured by our call recording system and I would like to apologize to [redacted] for any mistreatment she believes that she received from our collections staff. After listening to these calls, I’ve found that the representatives who spoke to [redacted] should have spoken to her in a more professional manner. Please know that the telephone calls in question have been reviewed with the Easy Money corporate collections employees involved. [redacted] should know that the situation has also been reviewed with management and the conversations that occurred with [redacted] have been documented. The employees involved have been reminded of Easy Money’s commitment to customer service. It is never Easy Money’s intention to make any of our customers feel harassed. As such, we would like to extend our apologies for any treatment that [redacted] received that she perceived to be unacceptable.
As previously stated, [redacted] has an outstanding account balance of $187.50. In her complaint, she states that she contacted Easy Money’s corporate collections department regarding her final payment that she had scheduled for September 30, 2014, so that she could pay her remaining balance at an Easy Money Retail branch location. To date, we have not received her September 30th payment; however, during a telephone conversation with a representative of Easy Money’s corporate collections department, [redacted] stated that she would be unable to make payment until October 13, 2014. As a courtesy to [redacted], Easy Money cancelled her payment for September that was to be processed to her credit card on September 30, 2014. [redacted] has the option to make her remaining payment of $187.50 at an Easy Money retail branch location, or she can call in to Easy Money’s corporate collections department to make the payment over the phone. [redacted] can contact [redacted], a senior supervisor in our collections area, at ###-###-####, extension #####, to make her payment over the phone. We have marked her account for follow up on October 14th and, if we have not received her payment by that time, may resume collection efforts for the remaining payment due.
I sincerely hope that he response set forth above provides a satisfactory resolution to this matter. Should you have any additional questions, please feel free to contact me. ...⇄ Sincerely,[redacted]
this has affected my credit report. I have been in the process of disputing the negatives on my credit report that was put on there by buckeye and [redacted]. They obviously are going to not admit what they have done. Also for them to lie and say they never reported it to my credit which is a lie and I also contacted [redacted] and was told differently from what check smart is saying.
Due to this I will not be using there business or recommending them to anyone. I Will not be going back into any of there business and [redacted] has agreed to remove this from my credit report which tells me buckeye or checksmart and never contacted the third party collections.
I will continue to dispute the other negative on my credit from this company.
Regards,
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] [redacted]
[redacted]
This letter responds to your correspondence of October 7, 2014, regarding the above-referenced...
matter. Thank you for bringing [redacted]’s complaint to our attention. We appreciate the role of the Revdex.com in mediating consumer complaints. Our records indicate that [redacted] initiated an open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on July 2, 2014. [redacted] initially took an advance of $1,500.00 on that date. The disclosures in the Line of Credit Agreement (“Agreement”) explain how the interest and fees are calculated in each billing cycle. Under the Agreement, if a customer pays back any advance within thirty days of taking it, they would pay no interest or finance charges on those advances.
As of today’s date, [redacted]’s Line of Credit has a current balance of $1,690.34, with a past due amount owed of $78.15. [redacted]s complaint, as I understand it, is regarding “unauthorized debits” to her checking account. Because efforts by First Virginia’s corporate collections department to encourage [redacted] to make payment of her past due balance on her account were unsuccessful, First Virginia initiated an EFT payment using the account information [redacted] provided when she signed the Agreement. First Virginia’s EFT attempts were done in accordance with her Agreement: “If you are in default under this Agreement, we may, at our option, do any of the following: (i) Process an electronic fund transfer (“EFT”), where authorized, against your designated bank account(s) for the entire balance, including any late fees and/or returned item fees, or for smaller sums, not to exceed your entire balance; (ii) declare the whole outstanding balance due on your Account immediately due and payable and proceed to collect it; (iii) close your Account or lower your credit limit; (iv) exercise all other rights, powers, and remedies given by law.”
For ease of reference, I have enclosed a copy of [redacted]'s Agreement dated July 2, 2014. Our records indicate that an EFT payment was processed against [redacted]’s bank account on file on October 2, 2014, for the past due amount of $78.15. Our records further indicate that this EFT payment was returned by [redacted]’s financial institution on October 7, 2014, due to “No Authorization”. Because this payment was returned to First Virginia as unpaid, this amount remains past due and owing on [redacted]’s line of credit. 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 gave in her line of credit Agreement; however, as a courtesy to [redacted], based on her complaint with the Revdex.com, 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. In addition to [redacted]’s Revdex.com complaint case number referenced above, [redacted] also submitted a Customer Review regarding her experience with First Virginia.
In her Customer Review, [redacted] states that: “I borrowed 1500.00 from them in July to bury my husband. I was told that my monthly payments would be $195.00 a month. When I asked what the 240% interest rate was about, the clerk told me ‘Don’t worry about that. It’s just on the form and won’t apply to you’. She was wrong. It did apply. I pay them 230.00 a month on the loan but it doesn’t even cover the interest cost. Plus after paying them this month, they withdrew 78.15 from my checking account which caused overdraft to my account. In addition, this company harrasses [sic] you with phone calls even though your account is being paid…” In response to [redacted]’s Customer Review, First Virginia responded that we would address her concerns in our response to this complaint. After discussing [redacted]’s concerns with First Virginia management, and the employee that assisted her in applying for and opening her Line of Credit, we have found that the employee that assisted [redacted] followed First Virginia’s policies and did not give her any false information as [redacted] states in her Customer Review.
The employee that assisted [redacted] discussed her first two payments to be due on August 1, 2014 ($272.26) and August 31, 2014 ($370.89). The employee that assisted [redacted] did review the Annual Percentage Rate (“APR”) for the line of credit and, at no time was [redacted] advised that the APR did not apply to her. The employee that assisted [redacted] reviewed the Agreement with her and explained that if [redacted] were to pay back any advance within thirty days of taking it, she would pay no interest or finance charges on those advances It was also explained to [redacted] that the second payment on her credit line would be the highest of her payments. In addition, [redacted]’s Agreement should answer any remaining questions that she might have. The Agreement details how the minimum payment each month is calculated and how payments made by [redacted] will be applied to her balance. [redacted]’s Agreement also states, “…You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the New Balance in full… As this line of credit has a high interest rate, you are encouraged to pay as much as you can each month to reduce the amount you owe…” [redacted] further states in her Customer Review that she feels harassed by telephone calls received from First Virginia.
As a lender, First Virginia periodically contacts its customers to provide reminders about their loan payment due dates. This contact is made only after obtaining the borrower’s written consent to contact them using the information that they provide. Telephone calls to [redacted] were made as gestures of customer service and were courtesy reminders of upcoming payment due dates; however, when [redacted]’s credit line went into default status, employees of First Virginia attempted to contact her to make arrangements for payment of her defaulted credit line prior to referring her account to First Virginia’s corporate collections department. Regardless, it is never First Virginia’s intentions to make any of our customers feel harassed and, as such, I would like to offer my apologies for any telephone calls or messages that [redacted] received that she perceived to be unacceptable.
I hope the response set forth has addressed both your and [redacted]’s concerns. Should you have any questions or need additional information, please feel free to contact me.
Sincerely, [redacted]
your correspondence of September 29, 2014, regarding the above-referenced matter. Thank you for bringing [redacted]’s complaint to our attention. We appreciate the role of the Revdex.com in mediating consumer complaints.
Our records indicate that [redacted] obtained a loan from Buckeye Check Cashing of Utah, Inc. (“CheckSmart”) on October 27, 2012. The loan had an agreed-upon repayment date of November 13, 2012, and [redacted] provided a check to pay the loan on that date. When [redacted] did not pay his loan on that date, CheckSmart deposited the check, and it was subsequently returned as an unpaid item by his financial institution on November 23, 2012. As of today’s date, [redacted]’s account reflects a paid in full status.
When [redacted]’s check returned unpaid by his financial services, his account was referred to CheckSmart’s corporate collections department to resolve his outstanding balance. Our records indicate that [redacted] made several arrangements to pay off his outstanding account balance; however, [redacted] did not honor the arrangements that he made with representatives of CheckSmart’s corporate collections department. As a result, Mr. Willden’s account was referred to a third-party collection agency, [redacted], on February 5, 2013.
[redacted]’s complaint, as I understand it, is that both CheckSmart and [redacted] reported negative information regarding his account to the credit reporting agencies. At this time, CheckSmart has been unable to find any evidence of having made any credit reporting to any of the three major credit reporting agencies regarding [redacted]. [redacted]’s account with CheckSmart dates back to 2012 and, at that time, CheckSmart did not report to the credit reporting agencies regarding our loan customers. I have also confirmed that no third party collection agency to which [redacted]’s account was assigned made any credit reporting, either. With that in mind, there is an unrelated collection agency located in [redacted], which also operates using the name CheckSmart. It may be that this company is the source of any adverse credit reporting made to [redacted]’s credit files.
At this time, if [redacted] still feels that CheckSmart reported incomplete or inaccurate information, I welcome him to provide me with a copy of his credit report reflecting this information. [redacted] can send this to me directly, or he may submit it to me through the Revdex.com’s online complaint system. Upon receipt of a copy of [redacted]’s credit report, I will be happy to review this to determine what, if any, further assistance CheckSmart can provide. [redacted] also has the right to dispute any incomplete or inaccurate information directly with the credit reporting agencies reporting the information. In the publication “A Summary of your Rights Under the Fair Credit Reporting Act”, the Federal Trade Commission (“FTC”) offers the following comment/suggestion: “You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute if frivolous. See www.ftc.gov/credit for an explanation of dispute procedures.”
I look forward to receiving a copy of [redacted]’s credit report, as well as any additional documents that he wishes to provide supporting his position in this situation. If, in the meantime you have any questions, please feel free to contact me.
Sincerely,
I have reviewed the response made by the business in reference to complaint ID ####, and find that this resolution is satisfactory to me Regards, [redacted] ***
[redacted] [redacted] This letter responds to your correspondence of October 7, 2014, regarding the above-referenced matterThank you for bringing [redacted] ’s complaint to our attentionWe appreciate the role of the Revdex.com in mediating consumer complaintsOur records indicate that [redacted] initiated an open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on July 2, [redacted] initially took an advance of $1,on that dateThe disclosures in the Line of Credit Agreement (“Agreement”) explain how the interest and fees are calculated in each billing cycleUnder the Agreement, if a customer pays back any advance within thirty days of taking it, they would pay no interest or finance charges on those advances As of today’s date, [redacted] ’s Line of Credit has a current balance of $1,690.34, with a past due amount owed of $ [redacted] s complaint, as I understand it, is regarding “unauthorized debits” to her checking accountBecause efforts by First Virginia’s corporate collections department to encourage [redacted] to make payment of her past due balance on her account were unsuccessful, First Virginia initiated an EFT payment using the account information [redacted] provided when she signed the AgreementFirst Virginia’s EFT attempts were done in accordance with her Agreement: “If you are in default under this Agreement, we may, at our option, do any of the following: (i) Process an electronic fund transfer (“EFT”), where authorized, against your designated bank account(s) for the entire balance, including any late fees and/or returned item fees, or for smaller sums, not to exceed your entire balance; (ii) declare the whole outstanding balance due on your Account immediately due and payable and proceed to collect it; (iii) close your Account or lower your credit limit; (iv) exercise all other rights, powers, and remedies given by law.” For ease of reference, I have enclosed a copy of [redacted] 's Agreement dated July 2, Our records indicate that an EFT payment was processed against [redacted] ’s bank account on file on October 2, 2014, for the past due amount of $Our records further indicate that this EFT payment was returned by [redacted] ’s financial institution on October 7, 2014, due to “No Authorization”Because this payment was returned to First Virginia as unpaid, this amount remains past due and owing on [redacted] ’s line of creditI 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 gave in her line of credit Agreement; however, as a courtesy to [redacted] , based on her complaint with the Revdex.com, 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 creditIn addition to [redacted] ’s Revdex.com complaint case number referenced above, [redacted] also submitted a Customer Review regarding her experience with First Virginia In her Customer Review, [redacted] states that: “I borrowed from them in July to bury my husbandI was told that my monthly payments would be $a monthWhen I asked what the 240% interest rate was about, the clerk told me ‘Don’t worry about thatIt’s just on the form and won’t apply to you’She was wrongIt did applyI pay them a month on the loan but it doesn’t even cover the interest costPlus after paying them this month, they withdrew from my checking account which caused overdraft to my accountIn addition, this company harrasses [sic] you with phone calls even though your account is being paid ” In response to [redacted] ’s Customer Review, First Virginia responded that we would address her concerns in our response to this complaintAfter discussing [redacted] ’s concerns with First Virginia management, and the employee that assisted her in applying for and opening her Line of Credit, we have found that the employee that assisted [redacted] followed First Virginia’s policies and did not give her any information as [redacted] states in her Customer Review The employee that assisted [redacted] discussed her first two payments to be due on August 1, ($272.26) and August 31, ($370.89)The employee that assisted [redacted] did review the Annual Percentage Rate (“APR”) for the line of credit and, at no time was [redacted] advised that the APR did not apply to herThe employee that assisted [redacted] reviewed the Agreement with her and explained that if [redacted] were to pay back any advance within thirty days of taking it, she would pay no interest or finance charges on those advances It was also explained to [redacted] that the second payment on her credit line would be the highest of her paymentsIn addition, [redacted] ’s Agreement should answer any remaining questions that she might haveThe Agreement details how the minimum payment each month is calculated and how payments made by [redacted] will be applied to her balance [redacted] ’s Agreement also states, “ You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the New Balance in full As this line of credit has a high interest rate, you are encouraged to pay as much as you can each month to reduce the amount you owe ” [redacted] further states in her Customer Review that she feels harassed by telephone calls received from First Virginia As a lender, First Virginia periodically contacts its customers to provide reminders about their loan payment due datesThis contact is made only after obtaining the borrower’s written consent to contact them using the information that they provideTelephone calls to [redacted] were made as gestures of customer service and were courtesy reminders of upcoming payment due dates; however, when [redacted] ’s credit line went into default status, employees of First Virginia attempted to contact her to make arrangements for payment of her defaulted credit line prior to referring her account to First Virginia’s corporate collections departmentRegardless, it is never First Virginia’s intentions to make any of our customers feel harassed and, as such, I would like to offer my apologies for any telephone calls or messages that [redacted] received that she perceived to be unacceptable I hope the response set forth has addressed both your and [redacted] ’s concernsShould you have any questions or need additional information, please feel free to contact me Sincerely, [redacted]
[redacted] I am writing in response to your correspondence dated September 16, 2014, and referenced aboveWe appreciate the role of your office in resolving consumer complaints and are happy for the opportunity to respond to you and hope to address [redacted] 's concerns Our records indicate that [redacted] obtained a loan from Buckeye Title Loans, Inc("Buckeye Title") on June 5, This loan was to be repaid in bi-weekly installments, as detailed on the attached loan agreement signed by [redacted] and dated June 5, [redacted] 's loan originally went into default status on November 18, 2013, due to non-paymentTo assist [redacted] in bringing her loan current, Buckeye Title's internal collection department worked with her to refinance tier loan by waiving certain fees and interestAt that time and upon receipt of a $payment that she made on November 21, 2013, [redacted] refinanced her loan in the amount of $3,(A principal balance of $1,534.50, and finance charge totalling $1,715.14) [redacted] 's November 21, loan was to be repaid in biweekly installments beginning on November 29, 2013, through November 14, 14, and currently has an outstanding balance of $1,as of today's dateThe payments [redacted] agreed to are detailed as follows: Date Due Amount 1/29/$ 12/13/$ 12/26/$ 1/10/$ $ 2/7/$ 2/21/$ 3/7/$ 3/21/$ 4/4/$ 4/18/$ 5/2/$ 5/16/$ 5/30/$ 3/$ 6/27/$ 7/11/$ 7/25\$ 8/8/$ 8/22/$ 9/5/$ 9/19/$ 10/3/$ 10/17/$ 10/31/$ 11/14/$ [redacted] 's complaint, as I understand it, is that she feels she has not received credit for all payments that she has made towards her remaining loan balance because she feels she is owed a refund due to an overpayment of her accountOur records reflect that wc have received the following payments from [redacted] Date Amount 1/27/$ 12/12/$ 12/26/$ /9/$ 1/23/$ 2/6/$ 2/20/$ 3/6/$ 3/20/$ 4/5/$ 4/17/$ 5/1/$ Our records indicate that we have not received any payment from [redacted] since her May 1, payment, although payments have been due on a bi-weekly basis since May 16, [redacted] 's additional complaint concerns are regarding "illegally entering checking account when told not to, given the customer the run around regarding over payment and lack of printing out final receipt." Because efforts by Buckeye Title to contact [redacted] to resolve her past due balance were unsuccessful, Buckeye Title initiated Automated Clearing House ("ACH") debit entries using the account provided by [redacted] when she signed her loan agreementBuckeye Title's ACH payment attempts were done in accordance with [redacted] 's loan agreement; however, I can confirm that all ACH payments processed by Buckeye Title were returned as unpaid and were not honored by [redacted] 's financial institution [redacted] also feels that she was given "the run around regarding overpayment" of her account Buckeye Title has no record of any overpayment owed to [redacted] Finally, [redacted] states she did not receive a "final receipt" for her last paymentAs previously stated, [redacted] 's last bi-weekly payment is not due until November 14, 2014; however, [redacted] would have been provided with a payment receipt at the time of payment for each payment made in person at the retail branch location where she originally obtained her loan If [redacted] feels she has not received full credit for all payments she has made, I welcome her to provide me with any receipts reflecting any payments for which she has not received creditUpon receipt of such documentation from [redacted] , I will be glad to research any missed or misapplied payments to her outstanding account balanceThese can be scanned and emailed to me directly at [email protected]~n, faxed to my attention at ###-###-####, or can be submitted through the Revdex.com's online complaint system Although Buckeye Title tried to resolve [redacted] 's outstanding balance directly with her, because we were unsuccessful her account has been referred to an outside collection agency, [redacted] *** At this time, we would encourage [redacted] to contact [redacted] directly for further assistance regarding her outstanding balance and to discuss what options may be available for repayment of her outstanding obligation [redacted] can be contacted as follows: [redacted] Phone: ###-###-#### At this time, we have requested that [redacted] put [redacted] 's account in a "hold status, meaning that their collections efforts have been temporarily suspendedIt is important that she contact their office at her earliest convenience to discuss her balanceIf [redacted] has not heard from [redacted] by October 14, 2014, the collections efforts will resume We sincerely hope that you find the response set forth above and the enclosed copies of [redacted] 's Loan Agreements acceptable in addressing your concernsShould you have any questions, please do not hesitate to contact me Enclosures
[redacted] [redacted] * This letter responds to your original correspondence of September 24, 2014, regarding the above-referenced matter We appreciate the role of the Revdex.com in helping to resolve consumer complaints Our records indicate that [redacted] *** obtained a loan from Buckeye Check Cashing of Tennessee, LLC (“Easy Money”) on July 14, [redacted] ***’s loan was due for repayment on July 31, 2014, and she provided a check to pay her loan on that dateEasy Money deposited [redacted] ***’s check, and it was subsequently returned by her financial institution as an unpaid item due to non-sufficient fundsAs of today’s date, [redacted] *** has a remaining balance on her account of $ [redacted] ***’s complaint, as I understand it, is regarding telephone calls with Easy Money’s internal collections staff When a customer defaults on a loan, it is our standard procedure to contact the customer at the telephone numbers they have provided in an effort to make arrangements with them to pay the balance on their account This contact is made only after obtaining the borrower’s written consent to contact them using the information that they provide I have taken this opportunity to listen to the recorded telephone calls with [redacted] *** captured by our call recording system and I would like to apologize to [redacted] for any mistreatment she believes that she received from our collections staff After listening to these calls, I’ve found that the representatives who spoke to [redacted] *** should have spoken to her in a more professional mannerPlease know that the telephone calls in question have been reviewed with the Easy Money corporate collections employees involved [redacted] should know that the situation has also been reviewed with management and the conversations that occurred with [redacted] *** have been documented The employees involved have been reminded of Easy Money’s commitment to customer service It is never Easy Money’s intention to make any of our customers feel harassed As such, we would like to extend our apologies for any treatment that [redacted] received that she perceived to be unacceptable As previously stated, [redacted] has an outstanding account balance of $In her complaint, she states that she contacted Easy Money’s corporate collections department regarding her final payment that she had scheduled for September 30, 2014, so that she could pay her remaining balance at an Easy Money Retail branch locationTo date, we have not received her September 30th payment; however, during a telephone conversation with a representative of Easy Money’s corporate collections department, [redacted] stated that she would be unable to make payment until October 13, As a courtesy to [redacted] ***, Easy Money cancelled her payment for September that was to be processed to her credit card on September 30, [redacted] has the option to make her remaining payment of $at an Easy Money retail branch location, or she can call in to Easy Money’s corporate collections department to make the payment over the phone [redacted] can contact [redacted] , a senior supervisor in our collections area, at ###-###-####, extension #####, to make her payment over the phoneWe have marked her account for follow up on October 14th and, if we have not received her payment by that time, may resume collection efforts for the remaining payment due I sincerely hope that he response set forth above provides a satisfactory resolution to this matter Should you have any additional questions, please feel free to contact me Sincerely, [redacted]
the response given by the company is a lie. I know what the lady told me and at no time did She say that the money needed to be paid back in 30 days. I was not in default on the loan because I was told that I could pay $230.00 a month after I found out that the payment wasn't going to be $195.00 a month. I don't care what the clerk told the company, I know what She told me in the office. First Virginia is worse than a loan shark and I will be glad when I.am about e to pay them off. Thank you BBB for Looking into this matter for me. I appreciate all that you have done. Regards, [redacted]
*** *** ***
*** *** ***
*** ** *** *** ***
*** *** ***
*** *** ***
*** *** *** ** *** * *** *** ***
*** *** ***
This letter responds to your correspondence of September 16, 2014, regarding the above-referenced matter. We appreciate the role your office plays in helping to resolve consumer concerns.
Our records indicate that *** *** initiated an open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on January 9, 2014. *** *** initially took an advance of $1,on that dateThe disclosures in the Line of Credit Agreement (“Agreement”) explain how the interest and fees are calculated in each billing cycle. Under the Agreement, if a customer pays back any advance within thirty days of taking it, they would pay no interest or finance charges on those advancesAs of today’s date, the balance of *** ***’ credit line is $1,
*** ***’ complaint, as I understand it, is that she revoked the ACH/EFT Authorization she gave to First Virginia when she signed her Agreement on January 9, Our records reflect that her letter revoking this authorization, dated September 3, 2014, was processed by our corporate office on September 15, *** *** should rest easy knowing that no further ACH/EFT payments will be processed to her account in relation to this Line of CreditShould MsEvans obtain any future financial products from First Virginia, she will be required to submit separate requests revoking any ACH/EFT Authorizations that she signs for any new transaction that she enters into with First Virginia
*** *** also states in her complaint that she spoke with a representative of First Virginia in August who she states was supposed to submit a request to change her payment due date for the month of AugustUnfortunately, any such requests cannot be guaranteed and must be made in writing by our customerWe have no record of receiving any written request from *** *** prior to her letter dated September 3, 2014, revoking the ACH/EFT Authorization she signed on January 9,
At this time, after having discussed *** ***’ complaint with management, her September 11, payment of $216.99, will be refunded to her directly to the checking account First Virginia has on fileOnce refunded, this will affect *** ***' account balance and she is still responsible to make this payment as soon as possible***’ current billing cycle ends on September 25, 2014, and her next billing statement will be generated on September 26,
I sincerely hope that the response set forth has addressed both your and *** ***’ concernsI would like to take this opportunity to apologize to *** *** for any frustration that this situation may have caused herWe value *** ***’ as a customer and look forward to continuing to service her financial needs
Should you have any questions, please contact me.
Sincerely, *** ***
At this time, we are still researching *** ***'s concernsWe anticipate our response to be completed no later than Tuesday, September 30, 2014.
If, in the meantime, *** *** wishes to do so, we ask that she provide her record of all payments that she made, with a clear indication of
which payments she made for which she did not receive creditFor any payments that *** *** made in person at a retail branch location, she would have been provided with a payment receipt for that paymentWe ask that *** *** provide us with a clear, legible accounting and supporting documentation for any payment made towards her loan balance.
We look forward to receiving *** ***'s supporting documentation and providing our response to the Revdex.com once this matter has been resolved.
Sincerely,
*** ***
*** *** * *** *** ***
***
I have reviewed the response made by the business in reference to complaint ID ####, and find that this resolution is satisfactory to me.
Regards,
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
I am writing in response to your correspondence dated September 16, 2014, and referenced above. We
appreciate the role of your office in resolving consumer complaints and are happy for the opportunity to
respond to you and hope to address [redacted]'s concerns.
Our records indicate that [redacted] obtained a loan from Buckeye Title Loans, Inc. ("Buckeye Title")
on June 5, 2013. This loan was to be repaid in 26 bi-weekly installments, as detailed on the attached loan
agreement signed by [redacted] and dated June 5,2013. [redacted]'s loan originally went into default
status on November 18, 2013, due to non-payment. To assist [redacted] in bringing her loan current,
Buckeye Title's internal collection department worked with her to refinance tier loan by waiving certain
fees and interest. At that time and upon receipt of a $267.96 payment that she made on November 21,
2013, [redacted] refinanced her loan in the amount of $3,249.64 (A principal balance of $1,534.50, and
finance charge totalling $1,715.14). [redacted]'s November 21, 2013 loan was to be repaid in 26 biweekly
installments beginning on November 29, 2013, through November 14, 20 14, and currently has an
outstanding balance of $1,459.81 as of today's date. The payments [redacted] agreed to are detailed as
follows:
Date Due Amount
1 1/29/20 13 $124.98
12/13/2013 $124.98
12/26/20 13 $124.98
1/10/2014 $124.98
1 124120 14 $124.98
2/7/20 14 $124.98
2/21/2014 $124.98
3/7/2014 $124.98
3/21/2014 $124.98
4/4/2014 $124.98
4/18/2014 $124.98
5/2/20 14 $124.98
5/16/2014 $124.98
5/30/20 14 $124.98
611 3/20 14 $124.98
6/27/20 14 $124.98
7/11/2014 $124.98
7/25\20 14 $124.98
8/8/201 4 $124.98
8/22/2014 $124.98
9/5/20 14 $124.98
9/19/2014 $124.98
10/3/20 14 $124.98
10/17/2014 $124.98
10/31/2014 $124.98
11/14/2014 $125.14
[redacted]'s complaint, as I understand it, is that she feels she has not received credit for all payments
that she has made towards her remaining loan balance because she feels she is owed a refund due to an
overpayment of her account. Our records reflect that wc have received the following payments from [redacted]
[redacted]
Date Amount
1 1/27/2013 $124.98
12/12/2013 $124.98
12/26/2013 $124.98
1 /9/2014 $125.00
1/23/2014 $125.00
2/6/20 14 $125.00
2/20/2014 $125.00
3/6/20 14 $140.00
3/20/2014 $125.00
4/5/2014 $125.00
4/17/2014 $130.00
5/1/2014 $125.00
Our records indicate that we have not received any payment from [redacted] since her May 1, 2014
payment, although payments have been due on a bi-weekly basis since May 16, 2014. [redacted]'s
additional complaint concerns are regarding "illegally entering checking account when told not to, given
the customer the run around regarding over payment and lack of printing out final receipt." Because
efforts by Buckeye Title to contact [redacted] to resolve her past due balance were unsuccessful,
Buckeye Title initiated Automated Clearing House ("ACH") debit entries using the account provided by
[redacted] when she signed her loan agreement. Buckeye Title's ACH payment attempts were done in
accordance with [redacted]'s loan agreement; however, I can confirm that all ACH payments processed
by Buckeye Title were returned as unpaid and were not honored by [redacted]'s financial institution.
[redacted] also feels that she was given "the run around regarding overpayment" of her account.
Buckeye Title has no record of any overpayment owed to [redacted]. Finally, [redacted] states she did
not receive a "final receipt" for her last payment. As previously stated, [redacted]'s last bi-weekly
payment is not due until November 14, 2014; however, [redacted] would have been provided with a
payment receipt at the time of payment for each payment made in person at the retail branch location
where she originally obtained her loan.
If [redacted] feels she has not received full credit for all payments she has made, I welcome her to
provide me with any receipts reflecting any payments for which she has not received credit. Upon receipt
of such documentation from [redacted], I will be glad to research any missed or misapplied payments to
her outstanding account balance. These can be scanned and emailed to me directly at [email protected]~n,
faxed to my attention at ###-###-####, or can be submitted through the Revdex.com's online complaint system.
Although Buckeye Title tried to resolve [redacted]'s outstanding balance directly with her, because
we were unsuccessful her account has been referred to an outside collection agency, [redacted]
[redacted] At this time, we would encourage [redacted] to contact [redacted] directly for further
assistance regarding her outstanding balance and to discuss what options may be available for
repayment of her outstanding obligation. [redacted] can be contacted as follows:
[redacted]
[redacted]
[redacted]
[redacted]
Phone: ###-###-####
At this time, we have requested that [redacted] put [redacted]'s account in a "hold status,
meaning that their collections efforts have been temporarily suspended. It is important that she
contact their office at her earliest convenience to discuss her balance. If [redacted] has not
heard from [redacted] by October 14, 2014, the collections efforts will resume.
We sincerely hope that you find the response set forth above and the enclosed copies of [redacted]'s
Loan Agreements acceptable in addressing your concerns. Should you have any questions, please do not
hesitate to contact me.
Enclosures
the response given by the company is a lie. I know what the lady told me and at no time did She say that the money needed to be paid back in 30 days. I was not in default on the loan because I was told that I could pay $230.00 a month after I found out that the payment wasn't going to be $195.00 a month. I don't care what the clerk told the company, I know what She told me in the office. First Virginia is worse than a loan shark and I will be glad when I.am about e to pay them off.
Thank you Revdex.com for Looking into this matter for me. I appreciate all that you have done.
Regards,
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
*
This letter responds to your original correspondence of September 24, 2014, regarding the above-referenced matter. We appreciate the role of the Revdex.com in helping to resolve consumer...
complaints.
Our records indicate that [redacted] obtained a loan from Buckeye Check Cashing of Tennessee, LLC (“Easy Money”) on July 14, 2014. [redacted]’s loan was due for repayment on July 31, 2014, and she provided a check to pay her loan on that date. Easy Money deposited [redacted]’s check, and it was subsequently returned by her financial institution as an unpaid item due to non-sufficient funds. As of today’s date, [redacted] has a remaining balance on her account of $187.50.
[redacted]’s complaint, as I understand it, is regarding telephone calls with Easy Money’s internal collections staff. When a customer defaults on a loan, it is our standard procedure to contact the customer at the telephone numbers they have provided in an effort to make arrangements with them to pay the balance on their account. This contact is made only after obtaining the borrower’s written consent to contact them using the information that they provide. I have taken this opportunity to listen to the recorded telephone calls with [redacted] captured by our call recording system and I would like to apologize to [redacted] for any mistreatment she believes that she received from our collections staff. After listening to these calls, I’ve found that the representatives who spoke to [redacted] should have spoken to her in a more professional manner. Please know that the telephone calls in question have been reviewed with the Easy Money corporate collections employees involved. [redacted] should know that the situation has also been reviewed with management and the conversations that occurred with [redacted] have been documented. The employees involved have been reminded of Easy Money’s commitment to customer service. It is never Easy Money’s intention to make any of our customers feel harassed. As such, we would like to extend our apologies for any treatment that [redacted] received that she perceived to be unacceptable.
As previously stated, [redacted] has an outstanding account balance of $187.50. In her complaint, she states that she contacted Easy Money’s corporate collections department regarding her final payment that she had scheduled for September 30, 2014, so that she could pay her remaining balance at an Easy Money Retail branch location. To date, we have not received her September 30th payment; however, during a telephone conversation with a representative of Easy Money’s corporate collections department, [redacted] stated that she would be unable to make payment until October 13, 2014. As a courtesy to [redacted], Easy Money cancelled her payment for September that was to be processed to her credit card on September 30, 2014. [redacted] has the option to make her remaining payment of $187.50 at an Easy Money retail branch location, or she can call in to Easy Money’s corporate collections department to make the payment over the phone. [redacted] can contact [redacted], a senior supervisor in our collections area, at ###-###-####, extension #####, to make her payment over the phone. We have marked her account for follow up on October 14th and, if we have not received her payment by that time, may resume collection efforts for the remaining payment due.
I sincerely hope that he response set forth above provides a satisfactory resolution to this matter. Should you have any additional questions, please feel free to contact me.
...⇄ Sincerely,[redacted]
this has affected my credit report. I have been in the process of disputing the negatives on my credit report that was put on there by buckeye and [redacted]. They obviously are going to not admit what they have done. Also for them to lie and say they never reported it to my credit which is a lie and I also contacted [redacted] and was told differently from what check smart is saying.
Due to this I will not be using there business or recommending them to anyone. I Will not be going back into any of there business and [redacted] has agreed to remove this from my credit report which tells me buckeye or checksmart and never contacted the third party collections.
I will continue to dispute the other negative on my credit from this company.
Regards,
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] [redacted]
[redacted]
This letter responds to your correspondence of October 7, 2014, regarding the above-referenced...
matter. Thank you for bringing [redacted]’s complaint to our attention. We appreciate the role of the Revdex.com in mediating consumer complaints. Our records indicate that [redacted] initiated an open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on July 2, 2014. [redacted] initially took an advance of $1,500.00 on that date. The disclosures in the Line of Credit Agreement (“Agreement”) explain how the interest and fees are calculated in each billing cycle. Under the Agreement, if a customer pays back any advance within thirty days of taking it, they would pay no interest or finance charges on those advances.
As of today’s date, [redacted]’s Line of Credit has a current balance of $1,690.34, with a past due amount owed of $78.15. [redacted]s complaint, as I understand it, is regarding “unauthorized debits” to her checking account. Because efforts by First Virginia’s corporate collections department to encourage [redacted] to make payment of her past due balance on her account were unsuccessful, First Virginia initiated an EFT payment using the account information [redacted] provided when she signed the Agreement. First Virginia’s EFT attempts were done in accordance with her Agreement: “If you are in default under this Agreement, we may, at our option, do any of the following: (i) Process an electronic fund transfer (“EFT”), where authorized, against your designated bank account(s) for the entire balance, including any late fees and/or returned item fees, or for smaller sums, not to exceed your entire balance; (ii) declare the whole outstanding balance due on your Account immediately due and payable and proceed to collect it; (iii) close your Account or lower your credit limit; (iv) exercise all other rights, powers, and remedies given by law.”
For ease of reference, I have enclosed a copy of [redacted]'s Agreement dated July 2, 2014. Our records indicate that an EFT payment was processed against [redacted]’s bank account on file on October 2, 2014, for the past due amount of $78.15. Our records further indicate that this EFT payment was returned by [redacted]’s financial institution on October 7, 2014, due to “No Authorization”. Because this payment was returned to First Virginia as unpaid, this amount remains past due and owing on [redacted]’s line of credit. 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 gave in her line of credit Agreement; however, as a courtesy to [redacted], based on her complaint with the Revdex.com, 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. In addition to [redacted]’s Revdex.com complaint case number referenced above, [redacted] also submitted a Customer Review regarding her experience with First Virginia.
In her Customer Review, [redacted] states that: “I borrowed 1500.00 from them in July to bury my husband. I was told that my monthly payments would be $195.00 a month. When I asked what the 240% interest rate was about, the clerk told me ‘Don’t worry about that. It’s just on the form and won’t apply to you’. She was wrong. It did apply. I pay them 230.00 a month on the loan but it doesn’t even cover the interest cost. Plus after paying them this month, they withdrew 78.15 from my checking account which caused overdraft to my account. In addition, this company harrasses [sic] you with phone calls even though your account is being paid…” In response to [redacted]’s Customer Review, First Virginia responded that we would address her concerns in our response to this complaint. After discussing [redacted]’s concerns with First Virginia management, and the employee that assisted her in applying for and opening her Line of Credit, we have found that the employee that assisted [redacted] followed First Virginia’s policies and did not give her any false information as [redacted] states in her Customer Review.
The employee that assisted [redacted] discussed her first two payments to be due on August 1, 2014 ($272.26) and August 31, 2014 ($370.89). The employee that assisted [redacted] did review the Annual Percentage Rate (“APR”) for the line of credit and, at no time was [redacted] advised that the APR did not apply to her. The employee that assisted [redacted] reviewed the Agreement with her and explained that if [redacted] were to pay back any advance within thirty days of taking it, she would pay no interest or finance charges on those advances It was also explained to [redacted] that the second payment on her credit line would be the highest of her payments. In addition, [redacted]’s Agreement should answer any remaining questions that she might have. The Agreement details how the minimum payment each month is calculated and how payments made by [redacted] will be applied to her balance. [redacted]’s Agreement also states, “…You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the New Balance in full… As this line of credit has a high interest rate, you are encouraged to pay as much as you can each month to reduce the amount you owe…” [redacted] further states in her Customer Review that she feels harassed by telephone calls received from First Virginia.
As a lender, First Virginia periodically contacts its customers to provide reminders about their loan payment due dates. This contact is made only after obtaining the borrower’s written consent to contact them using the information that they provide. Telephone calls to [redacted] were made as gestures of customer service and were courtesy reminders of upcoming payment due dates; however, when [redacted]’s credit line went into default status, employees of First Virginia attempted to contact her to make arrangements for payment of her defaulted credit line prior to referring her account to First Virginia’s corporate collections department. Regardless, it is never First Virginia’s intentions to make any of our customers feel harassed and, as such, I would like to offer my apologies for any telephone calls or messages that [redacted] received that she perceived to be unacceptable.
I hope the response set forth has addressed both your and [redacted]’s concerns. Should you have any questions or need additional information, please feel free to contact me.
Sincerely, [redacted]
[redacted]
[redacted]
[redacted] [redacted]
[redacted]
This letter responds to...
your correspondence of September 29, 2014, regarding the above-referenced matter. Thank you for bringing [redacted]’s complaint to our attention. We appreciate the role of the Revdex.com in mediating consumer complaints.
Our records indicate that [redacted] obtained a loan from Buckeye Check Cashing of Utah, Inc. (“CheckSmart”) on October 27, 2012. The loan had an agreed-upon repayment date of November 13, 2012, and [redacted] provided a check to pay the loan on that date. When [redacted] did not pay his loan on that date, CheckSmart deposited the check, and it was subsequently returned as an unpaid item by his financial institution on November 23, 2012. As of today’s date, [redacted]’s account reflects a paid in full status.
When [redacted]’s check returned unpaid by his financial services, his account was referred to CheckSmart’s corporate collections department to resolve his outstanding balance. Our records indicate that [redacted] made several arrangements to pay off his outstanding account balance; however, [redacted] did not honor the arrangements that he made with representatives of CheckSmart’s corporate collections department. As a result, Mr. Willden’s account was referred to a third-party collection agency, [redacted], on February 5, 2013.
[redacted]’s complaint, as I understand it, is that both CheckSmart and [redacted] reported negative information regarding his account to the credit reporting agencies. At this time, CheckSmart has been unable to find any evidence of having made any credit reporting to any of the three major credit reporting agencies regarding [redacted]. [redacted]’s account with CheckSmart dates back to 2012 and, at that time, CheckSmart did not report to the credit reporting agencies regarding our loan customers. I have also confirmed that no third party collection agency to which [redacted]’s account was assigned made any credit reporting, either. With that in mind, there is an unrelated collection agency located in [redacted], which also operates using the name CheckSmart. It may be that this company is the source of any adverse credit reporting made to [redacted]’s credit files.
At this time, if [redacted] still feels that CheckSmart reported incomplete or inaccurate information, I welcome him to provide me with a copy of his credit report reflecting this information. [redacted] can send this to me directly, or he may submit it to me through the Revdex.com’s online complaint system. Upon receipt of a copy of [redacted]’s credit report, I will be happy to review this to determine what, if any, further assistance CheckSmart can provide. [redacted] also has the right to dispute any incomplete or inaccurate information directly with the credit reporting agencies reporting the information. In the publication “A Summary of your Rights Under the Fair Credit Reporting Act”, the Federal Trade Commission (“FTC”) offers the following comment/suggestion: “You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute if frivolous. See www.ftc.gov/credit for an explanation of dispute procedures.”
I look forward to receiving a copy of [redacted]’s credit report, as well as any additional documents that he wishes to provide supporting his position in this situation. If, in the meantime you have any questions, please feel free to contact me.
Sincerely,