Hawkins Construction & Renovations

The customer knew very well he had established credit with [redacted] This was conveyed when we discussed the option of him going to his bank to borrow the shortfallI specifically informed him that he need not apply for the full amount with his bank due to the fact he had $already established with [redacted] Again, there is NO option or protocol to stop or opt out of the account being established once credit is givenHowever, seeing as though this customer has raised such an issue regarding people's lack of understanding of the credit processes we will create a protocol to reinforce their knowledge of the process before this option is given [redacted]

Revdex.com:
complaint ID# [redacted]
They have affirmed they will set up protocols to better inform clients and that is sufficient for me.

Mr. [redacted] came to me from [redacted] Benefits ([redacted]). He was seeking the use of a certain make, style, and model hearing device that was offered through a discount buying program provided by [redacted] through his employer. After determining the exact nature and degree of hearing impairment Mr....

[redacted] suffers from I proceeded to go over the [redacted] price for the hearing aids he so desired. The price was in excess of $5000.00. Mr. [redacted] conveyed to me that he was going to need financial assistance and be placed on a monthly payment plan that was consistent with what he could afford based on his medical savings allowance. I immediately contacted [redacted] to inquire if they had such a monthly payment program. [redacted] informed me that we would have to apply for credit with [redacted]. I conveyed this to Mr. [redacted] and he agreed to apply for funding through [redacted]. I filled out the credit application with him and called the information to our main office which completes an online application with [redacted]. Mr. [redacted] was approved for $2000.00 and assigned an account number immediately. We have no option to suspend or close the account once it is approved through [redacted]. We either process the charge using the account number assigned during the online process or we do nothing and log out of the system. I informed Mr. [redacted] of the approval status and the amount he was approved for immediately following the app. process. He informed me that he did not have the resources to pay the shortfall. I then informed him of another credit option we have with [redacted]. He agreed to apply for credit with them as well. He was denied any funds through [redacted]. I then asked Mr. [redacted] if it was possible to approach his company and ask for any advance on his Medical Savings Account. He replied that would not be an option. He said he would inquire with his bank in hopes of obtaining a loan for the hearing aids. I informed him at this time that he only need apply for the amount of the shortfall and not the full amount because he did have $2000.00 available to him through [redacted]. He seemed to understand his options and then left my office. Nothing was ever charged on his card nor was he charged anything for the Hearing evaluation and consultation he received. Everything was conducted in a very pleasant and professional manner. Mr. [redacted] needs to gain a full understanding of how the credit system works. Once you apply for credit the individuals credit history is pulled. If the person is approved a new account has been generated. 
I was somewhat taken back by his accusations that I was somehow the cause of his credit history being tarnished.  It seems to me Mr. [redacted] should direct his frustrations towards the mirror in hopes of finding the true source of his credit unworthiness and not bring frivolous accusations to irresponsible parties. In light of this situation, I now find it most helpful to better educate patients beyond the scope of hearing aids and common sense in order that they may gain a deeper understanding of what really occurs when you apply for financial assistance; which is really not a part of my job description or responsibility. So... to clarify and state my future resolve, I will convey to patients or any prospective patient when they are approved for credit that [redacted] has INDEED opened an account (that they requested by going through the application process) and the money is waiting their disposal. 
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]
Evidently this is turning into a verbal ping pong match. The point is that I gave no consent written or verbal and wasn't informed properly.  If he indeed sets up the protocol to correctly inform a client that a credit account will be established without an application filled out (verbally or written) or legal signature or verbal approval authorizing it then I'm satisfied.

The customer knew very well he had established credit with [redacted]. This was conveyed when we discussed the option of him going to his bank to borrow the shortfall. I specifically informed him that he need not apply for the full amount with his bank due to the fact he had $2000.00 already established with [redacted]. Again, there is NO option or protocol to stop or opt out of the account being established once credit is given. However, seeing as though this customer has raised such an issue regarding people's lack of understanding of the credit processes we will create a protocol to reinforce their knowledge of the process before this option is given.  
[redacted]