Heartfelt Creations

SECURITY FINANCE OF ***, LP HOME OFFICE POBOX [redacted] , SC 29304-1-(866)- [redacted] Nancy *** R [redacted] Street Address Secretary and General Counsel [redacted] Place [redacted] , SC September 19, 2016Revdex.com of Upstate South Carolina, Incvia Online Attn: [redacted] ***Re: Consumer: [redacted] , [redacted] Complaint #: [redacted] Dear Ms***:This will acknowledge Ms [redacted] /s complaint received September 19, via email notificationWe have investigated this matter with the assistance of Jeana S***, Corporate Paralegal, and Jennifer C***, Supervisor of the [redacted] , Texas.After diligent research, we have been unable to identify an account which contains a phone number matching the number that Ms [redacted] providedIt is our policy to stop phone calls to any consumer who asked not to be calledIf the consumer will provide additional information such as the date and time of any phone calls or the name of the person the branch employees were attempting to reach, we would be happy to research her complaint furtherOur employees have been instructed to be on the lookout for Ms [redacted] 's phone number and to mark it with a cease and desist if the phone number is located on an account.If she has any questions or would like to provide additional information so that we can fully research this complaint, please direct her to contact Our Customer Relations Department at 1-(866)- [redacted] .Sincerely,SECURITY FINANCE OF ***, LPNancy [redacted] R [redacted] Secretary and General Counsel/jmsCC; Jennifer C***, SupervisorGail B [redacted] , Vice President of Operations

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 They are correct that I spoke with them twice and they told me it would take up to daysHowever, on the second call I spoke with Sandy who transferred me to a Department Manager by the name of Charlotte who told me that the manual update I originally requested was not successfulShe said that she would have this corrected and I asked her would it be corrected so I could purchase a car on that FridayShe said noI also advised her that I would be making the last car payment since my car was a total lost on that Friday and she said I could call her back.; which I did notShe was very apologetic and said that she would have this issue resolvedI have since tried to purchase a new car and I still cannot purchase a car because it shows that though the car has been paid off I only made car payment from June until October 6, That is absolutely absurdI need for them to make the corrections to show all of my car payments and a letter of apology since I cannot purchase a new carI even asked if they would finance the new car and they could not give me an answerThis has cost me my job because I was not able to get to work and since I worked in another city I could not afford to take a taxi or an Uber there everydayI really was satisfied with PFS, but it seems that they do not care about their customers at allIf I had not made my car payments they would have repossessed my car, so the fact that I made all of my payments needs to be corrected and acknowledgedI was faithful to my side of the contract and they need to do the sameI will not accept nothing lessThey are playing with people's livesI fully understand systems updates however they have been updating that system over a year by my calculation since they say I only made paymentIt should have been corrected alreadyThe worst thing about all of this is that had not my car been totaled I would not have knownThey did not even send out a notification advising me to this information.This has been the worst experience ever! Regards, [redacted]

October 4, 2017Revdex.com of Upstate South Carolina, Incvia Online Attn Cindy R***Re; Revdex.com Complaint: ***, [redacted] ID #: [redacted] Dear MsR***:This will acknowledge Ms***'s complaint received by email notification on September 26, I have investigated this matter with the assistance of Hollis J [redacted] , Supervisor over our Security Finance branch in [redacted] , South Carolina.One of our branch employees mistakenly pulled up Ms***'s account due to the fact that she has a very similar name to another customer, who is the daughter of another customerUnfortunately, our employee did not realize this until after Ms [redacted] stated that she did not know the customer and our employee was confused given the responseOur employee states that when she realized that she was speaking to the Wrong customer, she apologized and ended the callWe regret that Ms [redacted] believed that she was hung up on and regret any inconvenience the telephone call caused her.It is not our practice to call customers with the same last name in order to attempt to locate someone as Ms [redacted] expresses in the complaintWe apologize to Ms [redacted] that this happened and have provided additional training to our employees as a resultIn addition, we have noted her account with her request to not received phone calls.We thank Ms [redacted] for taking the time to notify us of her complaintWe greatly appreciate her businessWe hope that we have been able to address her concerns to her satisfactionIf she has any further questions, please direct her to contact our Customer Relations Department at 1-(866) [redacted] .Sincerely,SECURITY FINANCE CORPORATION OF SOUTH CAROLINANancy [redacted] R [redacted] General Counsel/js CC Hollis J [redacted] , SupervisorShari E***, Vice President of Operations [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

October 18, 2017Revdex.com of Upstate South Carolina, Incvia Online Attn: Cindy R***Re: Revdex.com Consumer Concern: [redacted] , [redacted] Dear MsR***:This will acknowledge Ms [redacted] 's complaint received October 4, via email notificationI have investigated this matter with the assistance of [redacted] [redacted] , Manager of our Customer Relations and Consumer Dispute Department.Ms [redacted] alleges that her account and payment history are not reporting to the credit bureausThe Company is undergoing system programming and changes to our credit reporting environment, and we have not reported information to the credit bureaus since reporting account information as of July 31, We regret any inconvenience the fact that his account and her payment history are not reporting has caused Ms [redacted] Unfortunately, we cannot make any representations as to the time period when credit reporting will resume.If an account was reported to the credit bureaus as of July 31, or prior to this time, we are able to manually request an update to that informationHowever, if an account does not exist in the credit bureaus' systems because it was not reported on or before July 31, 2016, we are unable to update itThis is the case with Ms [redacted] 's account since it was not opened until August 26, 2016.Additionally, Ms [redacted] alleges that she was told by a Customer Relations Representative that if she did not make her payments then that would reflect negatively on her credit reportWe have investigated this allegation and have been unable to substantiate itIt is against our company policy to make any statement regarding the affect that a loan or payments could have on a customer's credit scoreOur employee states that she informed Ms [redacted] that if she choose to discontinue making payments that her payment history would be reported to the credit bureaus when the Company resumed reporting.Page 2We appreciate that Ms [redacted] took the time to notify us of her concernsWe hope that we have been able to address them to her satisfactionIf she has any further concerns, she can contact our Customer Relations and Consumer Disputes Department at 1-(866)- [redacted] .Sincerely,PROFESSIONAL FINANCIAL SERVICES OF VIRGINIA, LLCNancy *** R [redacted] Secretary and General Counsel***

[redacted] November 17, 2017Revdex.com of Upstate South Carolina, Incvia Online Attn: Cindy R***Re: Revdex.com Complaint: ***, John Complaint ID #: [redacted] Dear MsR***:This will acknowledge the above" referenced complaint received October 9, via email notificationWe take all complaints received seriously; therefore, we have thoroughly investigated this matter with the assistance of Tracy R***, Supervisor of our Security Finance branch in [redacted] , Tennessee.One of Our customers provided Ms***'s name as a reference on his or her applicationWhen we were unable to obtain contact with our customer, we called Ms [redacted] on three Occasions in an effort to obtain updated contact information for our customerNo account related information is provided to third partiesWe do not have a record of calling Mr***'s phone numberIt is our practice to remove, from a customer's account, the phone numbers of any reference who does not want to be contacted.Upon receipt of Mr***'s complaint, we investigated his allegations and determined that Our employee violated Our policy by calling Ms***'s phone number when the account was noted for no calls to be made to her phone numberIn addition, our employee did not provide acceptable customer service to Mr [redacted] or explain our practice in this area to him in an appropriate matterAs a result, the appropriate disciplinary action has been taken with the employee in questionNo further phone calls will be made to Ms***'s phone numberWe regret any inconvenience these phone calls caused Mror Ms***.We appreciate that Mr [redacted] took the time to contact us regarding his concerns and believe that we have been able to address them to his satisfactionIf we can be of any further assistance, Mr [redacted] can contact our Customer Relations and Consumer Dispute Department at [redacted] .Sincerely,SECURITY FINANCE COMPANY OF TENNESSEENancy *** R [redacted] Secretary and General Counsel/js [redacted]

October 26, 2017Revdex.com of Upstate South Carolina, Incvia Online Attn: Cindy R***Re: Revdex.com Consumer Complaint: [redacted] , [redacted] Complaint ID: [redacted] Dear MsR***:This will acknowledge Ms [redacted] 's complaint received October 18, via email notificationI have investigated this matter with the assistance of Mark Bullard, Supervisor of our PFS branch in Arden, North Carolina and Charlotte Edwards, Manager of our Customer Relations and Consumer Dispute Department.Ms [redacted] alleges that her account and payment history are not reporting to the credit bureausThe Company is undergoing system programming and changes to our credit reporting environment, and we have not reported information to the credit bureaus since reporting account information as of July 31, We regret any inconvenience the fact that her account and her payment history are not reporting has caused Ms [redacted] Unfortunately, we cannot make any representations as to the time period when credit reporting will resume.If an account was reported to the credit bureaus as of July 31, or prior to this time, we are able to manually request an update to that informationHowever, if an account does not exist in the credit bureaus' systems because it was not reported on or before July 31, 2016, we are unable to update itThis is the case with Ms [redacted] 's account since it was not opened until July 8, 2017.Additionally, Ms [redacted] alleges that she was told by a Customer Relations Representative that while we are not able to provide a time frame for when credit reporting will resume, once the system update has been completed, her payment history would be reportedOur employee states that she informed Ms [redacted] that her loan experience data would be reported to the credit bureaus when the Company resumed reporting; however, she did not state that it would be reported to all three credit bureaus as we only report to Equifax and TransUnionMs [redacted] seems to be under the misunderstanding that a lender is required to report information to the credit reporting agencies since she alleges that "this is borderline Ponzi scheme.” Whether a lender chooses to report loan experience information to the credit reporting agencies and to which credit reporting agencies is completely voluntaryIf Ms [redacted] would like a letter provided to her with her account status and payment history, we would be happy to provide her with this documentation, upon her request to our Customer Relations and Dispute Department, in order to help her facilitate a refinanceWe appreciate Ms [redacted] 's business and that she took the time to notify us of her concernsWe hope that we have been able to address them to her satisfactionIf she has any further concerns, she can contact our Customer Relations and Consumer Disputes Department at 1-(866)- [redacted] .Sincerely,PROFESSIONAL FINANCIAL SERVICES OF NORTH CAROLINA, LLCNancy *** R [redacted] Secretary and General Counsel [redacted]

The checqque arrived in the UPS envelope, sent by Security financial

Revdex.com of Upstate South Carolina, Incvia Online Attn: Cindy R***Re: Revdex.com Complaint: ***, [redacted] ID [redacted] Dear MsR***:This will acknowledge Mr***'s complaint received September 13, via email notificationI have investigated this matter with the assistance of Stephen B***, Supervisor of our Professional Financial Services branch in [redacted] , North Carolina and Charlotte E [redacted] , Manager of our Customer Relations and Consumer Disputes Department.Mr [redacted] alleges that his account and payment history are not reporting to the credit bureausThe Company is undergoing system programming and changes to our credit reporting environment, and we have not reported information to the credit bureaus since reporting account information as of July 31, We regret any inconvenience this has caused Mr***; however, we cannot make any representations at this time as to when furnishing will resume.Further, Mr [redacted] alleges that when he has spoken to Our Customer Relations and Disputes Department in the past about credit reporting, he was told "it will be next month” and nothing ever happensUnfortunately, Mr [redacted] misunderstood our representativesOur representatives inform customers that we do not have a time period currently when credit reporting will resume but they are welcome to check back with us the next monthWe regret that this misunderstanding occurred.Mr [redacted] also states that he would like to trade in his vehicle but is unable to due to the dealerships not being able to see his payment historyIf Mr [redacted] would contact our Customer Relations and Dispute Department at 1-(866) [redacted] , we can provide him a letter with his account status which should help with this process.We appreciate that Mr [redacted] took the time to notify us of his concernsWe hope that we have been able to address them to his satisfactionIf he has any further concerns or Page 2would like to request the above mentioned letter, he can contact our Customer Relationsand Consumer Disputes Department at 1-(866)- [redacted] .Sincerely,PROFESSIONAL FINANCIAL SERVICES OF NORTH CAROLINA, LLCNancy [redacted] R [redacted] Secretary and General CounselCC Stephen B***, SupervisorBrandon B***, Vice President of Operations

October 13, 2017Revdex.com of Upstate South Carolina, Incvia Online " Attn: Cindy R***Re: Revdex.com Complaint: [redacted] , [redacted] Complaint ID #: [redacted] Dear MsR***:This will acknowledge the above referenced complaint received October 3, via email notificationI have investigated this matter with the assistance of Charlotte E [redacted] , Manager of our Customer Relations and Consumer Disputes Department.Ms [redacted] alleges that her payment history is not reporting to the credit bureausThe Company is undergoing system programming and changes to our credit reporting environment, and we have not reported information to the credit bureaus since reporting account information as of July 31, 2016.Ms [redacted] contacted our Customer Relations and Consumer Disputes Department previously on September 12, and requested an update to her account tradelineSince Ms [redacted] 's account was opened on June 23, 2016, our Customer Relations and Consumer Disputes Department processed on September 12, a manual request to TransUnion and Equifax to update her account tradelineMs [redacted] was informed that it can take up to thirty days for the credit bureaus to process the request; however we do not control the timing of their updates.Ms [redacted] again contacted our Customer Relations Department on October 2, (the same day she submitted her Revdex.com complaint) and less than thirty days from her original request, and stated that the account had not been updatedOur representative submitted another request on October 2, to Equifax and TransUnion in order to ensure Ms [redacted] 's account was updatedWe have confirmed that this request was processed and this information is now reporting to TransUnion and EquifaxPlease note that we do not report to Experian [redacted] We appreciate that Ms [redacted] took the time to notify us of her concernsWe hope that we have been able to address them to her satisfactionIf she has any further concerns, she may contact our Customer Relations and Dispute Department at 1-(866) [redacted] .Sincerely,PROFESSIONAL FINANCIAL SERVICES OF VIRGINIA, LLCNancy [redacted] R [redacted] Secretary and General Counsel [redacted]

August 7, 2017Revdex.com of Upstate South Carolina, Incvia Online Attn: [redacted] Re: Revdex.com Complaint: [redacted] , ***Complaint ID # [redacted] Dear Ms [redacted] :This will acknowledge the above" referenced complaint received July 27, via email notificationI have investigated this matter with the assistance of Sam S [redacted] , Supervisor of our Maverick Finance branch in [redacted] ***, Nevada,Ms [redacted] alleges that her four account payment histories are not reporting to the credit bureausThe Company is undergoing system programming and changes to Our credit reporting environment, and we have not reported information to the credit bureaus Since reporting account information as of July 31, 2016.Since one of Ms [redacted] accounts was opened on May 26, 2016, we will request that the credit bureaus update the account tradeline of her account to reflect her payment historyPlease note that we do not control the timing of TransUnion's or Equifax updatesAlso, please be advised that we do not report to ExperianSince Ms [redacted] 's other accounts were opened since July 31, we are not able to update them as they do not exist in the credit bureaus systemsWe regret any inconvenience this has caused Ms [redacted] .We appreciate that Ms [redacted] took the time to notify us of her concernsWe hope that we have been able to address them to her satisfactionIf Ms [redacted] has any further concerns, shemay contact our Customer Relations and Dispute Department at 1-(866) [redacted] .Sincerely,SFC OF NEVADA, LLCNancy [redacted] R [redacted] Secretary and General CounselCC Sam S [redacted] , Supervisor

Re: Revdex.com Complaint: [redacted] ID Hi: [redacted] Dear Ms [redacted] :This will acknowledge the above referenced complaint received March 17, via email notificationI have investigated this matter with the assistance of Tammie R***, Supervisor of our Maverick Finance branches in ***, Nevada.On September 2, 2016, Ms [redacted] , obtained a $1,loan from our Maverick Finance branch in ***, Nevada and agreed to repay the loan in thirteen (13) monthly installments of $each beginning October 2, Ms [redacted] , hasmade five (5) payments in the amount of $eachHer account is past due for her March 2, payment,We have investigated Ms [redacted] ' allegations that she receives multiple phone calls a day and that an employee tried to "coerce' her into refinancing her loanAfter Ms [redacted] , became delinquent we attempted to contact her using telephone numbers provided by her in her applicationA review of our account records shows that Ms [redacted] signed an optional "Voluntary Authorization for Calling Workplace” formThis form provides her approval to contact her on her work phone numberIt is our company policy to not place collection calls to customers' work phone numbers without their prior written approvalA customer can revoke this approval at any time in writing or verballyWe have no record that Ms [redacted] , revoked this approval until receipt of her Revdex.com complaintHer account has been noted with this information.Additionally, our records reflect that no more than one phone call has been made to a particular phone number associated with Ms [redacted] ' account in a given dayOn March 9, 2017, an employee spoke to Ms [redacted] , about her overdue paymentAt that time Ms [redacted] stated that she was not able to make her payment until the next monthOur employee attempted discuss with Ms [redacted] , the fact that she made a legal commitment to repay the money loaned to her and represented to ability and willingness to make the payments on a monthly basisIn order to helpPage 2Ms [redacted] , meet her commitment and avoid late fees, the employee discussed with Ms [redacted] , the option to refinance to loan which would allow her to avoid any March loan paymentAt no point in time did the employee attempt to "coerce” Ms [redacted] into refinancing her loanThe employee also discussed with Ms [redacted] whether she could borrow money from family or friends to make her payment and meet her financial obligations.We want to assure Ms [redacted] , that it is our Company policy to contact references of customers only in the event that we do not have contact information for Our customerAny phone calls to references are for the sole purpose to obtain updated contacted information for our customersNo account-related information is disclosed to any third partyIf at any time a reference or a customer requests that phone calls stop, the customer's account is noted with that informationUpon receipt of Ms [redacted] ' complaint, her account was noted not to call any references, although no phone calls to references have been made.We thank Ms [redacted] , for taking the time to notify us of her complaintWe hope that we have been able to address her concerns to her satisfactionIf she has anyfurther questions, please direct her to contact our Customer Relations Department at 1-( [redacted] .Sincerely,SFC OF NEVADA, LLCNancy [redacted] R [redacted] Secretary and General CounselCC Tammie R***, SupervisorBret C [redacted] , Vice President of Operations

Re: Revdex.com Complaint: ***, [redacted] Complaint ID #: [redacted] Dear MsR***:This will acknowledge the above referenced complaint received December 7, via email notificationI have investigated this matter with the assistance of Stephen B***, Supervisor of our Professional Financial Services of North Carolina, LLC ("PFS") branch in Concord, North Carolina and Charlotte E [redacted] , Manager of our Customer Relations and Consumer Disputes Department.Ms [redacted] alleges that her payment history is not reporting to the credit bureausMs [redacted] has had two loans with our CompanyOne loan was opened on May 14, and was subsequently paid off in March by insurance proceedsPFS was assigned a second Retail Sales Installment Contract dated March 13, The Company is undergoing system programming and changes to our credit reporting environment, and we have not reported information to the credit bureaus on accounts opened during the time frame of Ms***'s loans since reporting account information as of July 31, 2016.Ms [redacted] previously contacted our branch regarding her concerns and our Customer Relations and Dispute Department submitted a manual update to request that TransUnion and Equifax update her account tradeline to reflect that her May account was paid and closed due to insurance proceedsUnfortunately, Ms***'s current account was opened during a time which we were not reporting to the credit bureaus and therefore we are unable to submit a manual update on this account since it does not currently exist in the credit reporting agencies systemsWe regret any inconvenience this has caused Ms***.Ms [redacted] alleges that she was misled by our employees regarding our credit reporting statusWe have investigated these allegations and we are unable to substantiate themOnce the insurance proceeds paid off Ms***'s prior account, Ms [redacted] contacted our branch office and informed our employees that she would like to use PFS for a new loanPFS did not discuss any loan terms with her and instead directed her to let whatever dealership she found a vehicle at know her requestThere was no discussion regarding credit reporting.Ms [redacted] seems to be under the misunderstanding that a lender is required to report information to the credit reporting agenciesWhether a lender chooses to report loan experience information to the credit reporting agencies and to which credit reporting agencies is completely VoluntaryIf Ms [redacted] would like a letter provided to her with her account status and payment history, we would be happy to provide her with this documentation, upon her request to our Customer Relations and Dispute Department at 1-(866) ***- [redacted] to help facilitate any traor refinance.While it is true that the Company is not required to report loan experience data to the credit bureaus, it is our intention to report Ms***'s March 13, account and payment history to the credit bureaus once we have completed the upgrades to our systems, however, we cannot give her a time frame when this will be accomplishedAgain, we apologize to Ms [redacted] for anyas paid and closed.Additionally, Ms [redacted] states on the one hand that she has made all her payments on time and on the other hand she states that she is called when her payment is one day past dueMs***'s loan does not offer a grace period although she is not charged a late fee until her payment is more than ten (10) days late per the terms of her contractSince there is no grace period, her loan is considered delinquent if the payment is not received by her due dateTherefore, our employees placed phone calls to her as a courtesy in order to attempt to help her avoid the late fees which are assessed when her loans were more than ten (10) days delinquentOut of seven payments made on her most recent loan, Ms [redacted] has had four (4) late fees assessed to her accountNone of her remaining three (3) payments were made on or before her due date.Finally, PFS is still doing business with [redacted] MrB [redacted] has spoken to Ms [redacted] and has expressed to her the current situation and status of our credit reporting environment in a consistent matter with the conversations that Ms [redacted] has had with our employees at our Concord, North Carolina branch,We appreciate Ms***'s business and that she took the time to notify us of her concernsWe hope that we have been able to address them to her satisfactionIf she has any further concerns, she may contact our Customer Relations and Dispute Department at 1-(866) [redacted] ***Sincerely,PROFESSIONAL FINANCIAL SERVICES OF NORTH CAROLINA, LLCNancy [redacted] R [redacted] Secretary and General CounselCC Stephen B***, SupervisorBrandon B***, Vice President of Operations Mark M [redacted] , Chief Operating

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. I would want to believe that this company operates on truth and morals and it’s sad because the employee simply lied
How can you “mistakenly” pick up my file with my name and other confidential indentifiers? When she called she addressed me by my first name and dialed my number! So now my personal information is at risk with negligent employees? An employee who can’t pick up the right file but can dial the right number and call the right name? My privacy has been violated and who wants to be questioned about something that is still traumatic to this dayThe employee knew exactly who she called and what her goal was, which was to find out informationThe employee asked me who someone was, when I said I don’t know that person the employee asked what mothers name was and I told her that my mother was deceased she kept going about who is my father whom is also deceasedAll around disgusting and completely unprofessional! Parents are not a factor when applying for a loan so why was it even brought up? I don’t trust ANYTHING this company does anymore because this situation has revealed liesThere’s only two people that knew what happened that evening and it’s me and your employee and you will always side with your employeeI would like my account closed and to not have to deal with SECURITY FINANCE ever again!
Regards,
*** ***

ID #: ***Dear Ms***:This will acknowledge the above referenced complaint received February 13, via email notificationI have investigated this matter with the assistance of Linda K***, Supervisor of our *** Credit branch in ***, Texas.Ms*** states in her
complaint that her tradeline with the credit reporting agencies has not updated to include that her loan was paid off in September We are undergoing system programming and changes to our credit reporting environment, and we are not reporting information to the credit bureaus at this timeUpon Ms***'s request to the credit reporting agencies, we manually updated her account tradeline on February 17, with Equifax to include that her loan was "Paid and Closed.” The tradeline for this account is suppressed currently by TransUnion and therefore not reportingPlease note that we do not report to Experian.We appreciate Ms***'s business and regret any inconvenience this caused herIf she has any further concerns, she may contact our Customer Relations and Dispute Department at 1-(*** ***.Sincerely,SECURITYFINANCE OF TEXAS, LPNancy *** R***Secretary and General Counsel***CC Linda K***, SupervisorBrian J***, Director of Supervision

SECURITY FINANCE OF ***, LLC HOME OFFICE PO BOX *** *** SC 29304-11-(866)-*** Nancy *** R*** Street Address Secretary and General Counsel *** *** Place***, SC March 10, 2016Revdex.com of Upstate South Carolina, Incvia Online Attn Cindy R***Re: Revdex.com
Complaint: ***, ***Case #***Dear Ms***:This will acknowledge the above" referenced complaint received March 3, by email notificationWe have investigated this matter with the assistance of Steven H***, Supervisor of the Security Finance branch in ***, Georgia.We have investigated Ms***' complaint and our branch employees have a different version of events than Ms*** stated in her complaint, Ms*** was solicited by phone to obtain another loan with our company by an assistant manager on February 26, At that time, Ms*** stated that she would be in the follow day to finalize the processThe assistant manager provided her a list of documents that she would need to bring with her in order to obtain the loan the next day.The following day, February 27, 2016, Ms*** called the branch and spoke to the branch manager, Ms*** asked her what documentation she would need to bring into the office in order to obtain the loanThe branch manager reviewed Ms***' payment history on her prior loan with our companySince her payment history on her prior loan was not the best, the branch manager decided it would be best to go ahead and take an Over the phone application, including updating Ms***' budget.The branch manager informed Ms*** that she was obtaining a copy of her credit report for the review processThe branch manager reviewed the credit report while she was on the phone with Ms*** and proceeded to ask Ms*** questions about her credit historyAt that point, Ms*** became very upset and hung up on the branch managerBy calling to inquire about a new loan, Ms*** provided her consent for the credit bureau inquiryIn addition, Ms*** did not refuse when the branch manager informed her that she would be obtaining a copy of her credit reportIn addition, a Notice of Adverse Action was mailed to Ms*** on the same date,We regret that Ms*** was upset by the branch manager's questions regarding her credit history and any misunderstanding that she had regarding the processWe are unable to remove the credit bureau inquiry as Ms*** intended to do business with our company and was informed that a credit bureau inquiry was being made, If Ms*** has any questions or needs anything further, please direct her to contact our Customer Relations and Dispute Department at 1-(866)-***.Sincerely,SECURITY FINANCE OF ***, LLCNancy *** R*** Secretary and General Counsel/jsCC Steven H***, SupervisorLena T***, Vice President of Operations

October 25, 2017Revdex.comof Upstate South Carolina, Incvia Online Attn: Cindy R***Re: Revdex.com Complaint: ***, *** Complaint ID # ***Dear MsR***:This will acknowledge Ms***'s additional concernsMs*** called and spoke to Charlotte E***, Manager of Customer Relations on October 2, and MsE*** was able to see that the account tradeline was not reflecting Ms***'s current balance so she informed Ms*** that she would submit another requestThe second request to update Ms***'s payment history to Equifax and TransUnion was immediately submitted after Ms***'s phone callMsE*** informed Ms*** that based upon the time frame that it typically takes for the credit bureaus to update the information, she did not believe that it would be updated by the next Saturday when she planned to shop for a new vehicle; however, we would do our part to ensure that it was updated as quickly as possibleUnfortunately, we do not control the timing of Equifax's and TransUnion's updatesMs*** was informed that we would be happy to provide her a letter to help her with the purchase of a new vehicle or to speak with any dealership if she visited during business hoursAdditionally, when Ms*** made her final payment on October 6, 2017, we mailed her a letter which stated that her account had been paid in full.Ms*** alleges that her monthly payments are not reflected on the updated credit reporting tradelineWhen we submitted the manual update to the credit bureaus to request that her account tradeline be updated, we requested that her payment history be updated as well as her account balanceWe have verified that her monthly payment history is reflected on her tradeline.We have no record that Ms*** asked if Professional Financial Services would finance another vehicle for herUnderwriting decisions are dependent upon the dealership, particular vehicle and other related information; however, based upon Ms***'s payment history we would consider her for additional financingShe should contact the branch manager, Adam W*** at (804) *** to discuss any financing particulars. We have requested that Equifax and TransUnion update Ms***'s payment history to show that her account was paid in fullAgain, while we cannot control the timing of their updates, based upon Our experience, the updates typically occur within thirty days.We appreciate that Ms*** took the time to notify us of her concernsWe hope that we have been able to address them to her satisfactionIf she has any further concerns,she may contact our Customer Relations and Dispute Department at 1-(866) ***.Sincerely,PROFESSIONAL FINANCIAL SERVICES OF VIRGINIA, LLCNancy *** R*** Secretary and General Counsel***

August 11, 2017Revdex.com of Upstate South Carolina, Incvia Online Attn *** *** •Re: Revdex.com Complaint: ***, ***ID #: ***Dear Ms***:This will acknowledge Mr***'s complaint received by email on August 1, We have investigated this matter with the assistance of Chris D***,
Supervisor of Our Security Finance branch in ***, Georgia.On May 10, 2017, Mr*** obtained a loan in the amount of $1,from our Security Finance branch in ***, Georgia and agreed to repay the loan in twelve (12) monthly installments of $each beginning June 10, Mr*** paid off his loan on August 7, 2017; however, prior to this date, his loan was in a delinquent status on several Occasions.After Mr*** became delinquent, we attempted to contact him using the telephone numbers and addresses provided by him in his applicationUnfortunately, we were unsuccessful and he did not return our phone callsWhen Mr*** had not returned Our phone calls for some time, the branch employees contacted references provided by Mr*** in an attempt to update or confirm his contact informationWhile we do have a record of contacting Mr***'s brother on July 31, 2017, our records indicate that his mailbox was full and we did not speak to him and we were unable to leave a messageIt is against our company policy to discuss any account related information with a reference who is not authorized on the accountAdditionally, it is against our company policy to threaten to file legal action on an accountOur employees deny violating these policiesIf Mr*** has any additional information that he can provide us, we would be happy to research his concerns further.Additionally, it is Our company policy to stop phone calls to any references upon the request of the reference or the customerMr***'s account has been noted with his request to stop phone calls to references. Revdex.com of Upstate South Carolina, IncAttn: *** *** Re: ***, *** August 11, 2017Page 2If he has any further questions, please have him contact our Customer Relations Department at 1-(866)-***.Sincerely,SECURITY FINANCE OF GEORGIA, LLCNancy *** R*** Secretary and General Counsel/jmsCC Chris D***, SupervisorLena T***, Vice President of Operations

PROFESSIONAL FINANCIAL SERVICES June 28, 2017Revdex.com of Upstate South Carolina, Incvia Online Attn *** ***Re: Revdex.com Complaint: *** ***Complaint ID #: ***Dear Ms***:This will acknowledge the above referenced complaint received June 16, via email notificationI have
investigated this matter with the assistance of Ted R***, Supervisor of our Professional Financial Services ("PFS") branch in ***, Florida.On January 19, 2016, Mr*** executed a Retail Installment Contract and Security Agreement ("Contract”) in connection with the purchase of a Ford Fusion through *** *** ImportsPFS in turn purchased the Contract from *** *** ImportsThe terms of the Contract include fifty-eight (58) monthly payments of $350,each due by the 19th of each month beginning February 19, The Contract also requires Mr*** to have physical damage insurance on the vehicle and provides that if his insurance lapsed, PFS may obtain insurance for his benefit and add the cost of the insurance to his loan (See, Contract, paragraph on page 4, titled "Agreement to Provide Insurance”)A copy of the Contract is enclosed for your reviewAdditionally, Mr*** signed a statement at the time of purchase verifying that he had full coverage insurance on the vehicle and his agreement to continue insurance coverageA copy of the Consumer Insurance Disclosure and Agreement to Provide Insurance is also enclosed for your review.On April 21, 2016, PFS received notification from Progressive that Mr***' physical damage insurance coverage was canceled April 19, due to nonpaymentPFS in turn, notified Mr*** that if he did not provide proof of insurance it would obtain lenderplaced insurance in accordance with the provisions of the Contract, These notices were dated May 4, and May 18, Additionally, PFS employees explained to Mr*** on numerous Occasions the importance of obtaining his own full coverage insurance and the reasons why he did not want to continue with the lender placed policyDespite these numerous conversation, Mr*** only obtained liability coverage and did not obtain physical damage insurance coverageMr***' allegations that PFS required him to have a lender-placed policy and would not allow him to obtain his own insurance are inaccurateIn fact, on multiple Occasions, Mr*** has indicated, after talking to a PFS representative, that he would obtain his own physical damage policy; however, he has failed to do so.Additionally, two claims have been filed against Mr***' lender-placed insurance policyEach was filed timely, Mr*** has unrealistic expectations as to the time frame for resolution of an insurance claim, Mr***' most recent claim process began on Monday, May 29, at 8:a.m., PFS was first notified of the accident on Friday, May 26, 2017.Mr*** did not provide proof of coverage; therefore, lender-placed insurance coverage was obtained on July 1, to cover the time period from April 19, through April 19, The cost of the insurance, in the amount of $2,was added to Mr***' loan balance and amortized into his loanThis allowed Mr*** to pay off the amount Over a twelve month period of timeThis caused Mr***' payments to increase from $to $If Mr*** would have obtained his own physical damage insurance policy, he would have received a partial refund of the lender-placed insurance to COver the time period for which he had his own insurance policy and his payments would have decreased,Subsequently, the lender-placed policy renewed on April 19, to cover the time frame of April 19, to April 19, His payments have increased to $for June and July This amount covers the amortized payments for premiums for both the April 19, and April 19, policiesBeginning in August 2017, his payments will decrease to $as he will only be paying back the April 19, policyAgain, if Mr***'s obtains his own physical damage policy, he will receive a refund for any time period for which he has his own insurance and therefore his payments will decrease, assuming he has had no additional lapses in physical damage insurance coverage.PFS is not actively attempting to repossess Mr***' vehicleHowever, his account is in a delinquent status and he has stated on multiple occasions that he does not intend to pay for a vehicle for which he is not able to driveMr*** made a legal commitment to repay the money loaned to him and this obligation is secured by the vehicle but it is not contingent upon his use of the vehicle.Finally, Mr*** alleges that this account payment history has not been updated with the credit bureausThe Company is undergoing system programming and changes to our credit reporting environment and we are not reporting information to the credit bureaus at this timeNevertheless, We have submitted a manual request that the credit bureaus update Mr***' account tradelinePlease note that we do not control the timing of TransUnion's or Equifax updates, Also, please be advised that we do not report to Experian.We hope that we have been able to address Mr***'s concerns and misunderstandingto his satisfactionIf he has any additional questions, please direct him to contact our Customer Relations and Dispute Department at 1-(866)-***.Sincerely,PROFESSIONAL FINANCIAL SERVICES OF FLORIDA, LLCNancy *** R*** Secretary and General CounselCC Ted R***, SupervisorBrandon B***, Vice President of Operations Mark M***, Chief Operating Officer

October 23, 2017Revdex.com of Upstate South Carolina, Incvia Online Attn: Cindy R***Re: Revdex.com Complaint: ***, ***Complaint ID # ***Dear MsR***:This will acknowledge the above referenced complaint received October 13, via email notificationWe take every complaint seriously and as a
result have thoroughly investigated this matter with the assistance of David E***, Vice President of our PFS branches in Texas and Charlotte E***, Manager of our Customer Relations and Consumer Disputes Department,On March 31, 2016, Mr*** executed a Retail Installment Sale Contract ("Contract”) in connection with the purchase of a Chevrolet Sonic ("Vehicle") through *** Chrysler Jeep DodgePFS in turn purchased the Contract from *** Chrysler Jeep DodgeThe terms of the Contract include forty-eight (48) monthly payments of $316,each due by the 15th of each month beginning in May 2016.Mr*** contacted our Customer Relations and Dispute Department on August 17, and requested an update to the loan experience information with the credit bureausA manual update was submitted; however, unfortunately an employee transposed the first two numbers in Mr***'s payoff balance when the manual update was submittedImmediately upon notification of the error on October 12, 2017, the number was corrected and we have confirmed that the account is now reporting accurately.Mr*** is contractually obligated to pay the amount due as per the terms of his contractThe fact that a scrivener's error occurred on tradeline of his account on his credit report does not change the terms of his contract and what he is contractually obligated to payThe Fair Credit Reporting Act allows for disputes and corrections of any errors for situations such as what has occurred on Mr***'s account, Mr***'s payoff amount as of October 23, is $8,512.56.Page 2We appreciate Mr***'s business and regret any inconvenience this has caused hisWe thank his for taking the time to notify us of his concernsWe hope that we have been able to address them to his satisfactionIf we can be of any further assistance, Mr*** can contact our Customer Relations and Consumer Dispute team at 1866-***.Sincerely,PROFESSIONAL FINANCIAL SERVICES OF TEXAS, LLCNancy *** R*** Secretary and General Counsel***CC Andre L***, SupervisorDavid E***, Vice President***