Heartfelt Creations

Complaint ID # [redacted]Dear Ms. R[redacted]:This will acknowledge the above referenced complaint received September 5, 2017 via email notification, I 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 bureaus. The 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 Ms. [redacted]'s account was opened on May 2, 2016, we have requested that the credit bureaus update the account tradeline of her account to reflect her payment history. Please 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. While we are not reporting to the credit bureaus, if Ms. [redacted] would like her payment history to be updated in the future, please request that she contact us and we will submit another update. This is a manual process that must be completed upon receipt of a request and will not be done automatically. We regret any inconvenience that this may cause Ms. [redacted].We appreciate that Ms. [redacted] took the time to notify us of her concerns. We hope that we have been able to address them to her satisfaction. If she has any further concerns, she may contact our Customer Relations and Dispute Department at 1-(866) [redacted].Sincerely,PROFESSIONAL FINANCIAL SERVICES OF INDIANA, LLCNancy [redacted] Secretary and General Counsel

October 13, 2017Revdex.com of Upstate South Carolina, Inc. via Online " Attn: Cindy R[redacted]Re: Revdex.com Complaint: [redacted] Complaint ID #: [redacted]Dear Ms. R[redacted]:This will acknowledge the above referenced complaint received October 3, 2017 via email notification. I 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 bureaus. The 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, 2017 and requested an update to her account tradeline. Since Ms. [redacted]'s account was opened on June 23, 2016, our Customer Relations and Consumer Disputes Department processed on September 12, 2017 a manual request to TransUnion and Equifax to update her account tradeline. Ms. [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, 2017 (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 updated. Our representative submitted another request on October 2, 2017 to Equifax and TransUnion in order to ensure Ms. [redacted]'s account was updated. We have confirmed that this request was processed and this information is now reporting to TransUnion and Equifax. Please note that we do not report to Experian. [redacted]We appreciate that Ms. [redacted] took the time to notify us of her concerns. We hope that we have been able to address them to her satisfaction. If 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] Secretary and General Counsel[redacted]

Re: Revdex.com Complaint: [redacted]ID Hi: [redacted]Dear Ms. [redacted]:This will acknowledge the above referenced complaint received March 17, 2017 via email notification. I have investigated this matter with the assistance of Tammie R[redacted], Supervisor of our Maverick Finance branches in [redacted], Nevada.On...

September 2, 2016, Ms. [redacted], obtained a $1,295.00 loan from our Maverick Finance branch in [redacted], Nevada and agreed to repay the loan in thirteen (13) monthly installments of $152.00 each beginning October 2, 2016. Ms. [redacted], hasmade five (5) payments in the amount of $152.00 each. Her account is past due for her March 2, 2017 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 loan. After Ms. [redacted], became delinquent we attempted to contact her using telephone numbers provided by her in her application. A review of our account records shows that Ms. [redacted] signed an optional "Voluntary Authorization for Calling Workplace” form. This form provides her approval to contact her on her work phone number. It is our company policy to not place collection calls to customers' work phone numbers without their prior written approval. A customer can revoke this approval at any time in writing or verbally. We have no record that Ms. [redacted], revoked this approval until receipt of her Revdex.com complaint. Her 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 day. On March 9, 2017, an employee spoke to Ms. [redacted], about her overdue payment. At that time Ms. [redacted] stated that she was not able to make her payment until the next month. Our 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 basis. In 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 2017 loan payment. At no point in time did the employee attempt to "coerce” Ms. [redacted] into refinancing her loan. The 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 customer. Any phone calls to references are for the sole purpose to obtain updated contacted information for our customers. No account-related information is disclosed to any third party. If at any time a reference or a customer requests that phone calls stop, the customer's account is noted with that information. Upon 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 complaint. We hope that we have been able to address her concerns to her satisfaction. If she has anyfurther questions, please direct her to contact our Customer Relations Department at 1-([redacted].Sincerely,SFC OF NEVADA, LLCNancy [redacted] Secretary and General CounselCC Tammie R[redacted], SupervisorBret C[redacted], Vice President of Operations

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.  Thank you for your assistance in this matter.
Regards,
[redacted]

Re: Revdex.com Complaint: [redacted]ID #: [redacted]Dear Ms. [redacted]:This will acknowledge Ms. [redacted]'s complaint received August 22, 2017 via email notification. I have investigated this matter with the assistance of Pete L[redacted], Supervisor of our Security Finance branch in [redacted], Texas.Ms....

[redacted] alleges that her accounts are not reporting to the credit bureaus. The 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. We regret any inconvenience this has caused Ms. [redacted]; however, we cannot make any representations at this time as to when furnishing will resume.If 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.We appreciate that Ms. [redacted] took the time to notify us of her concerns. We hope that we have been able to address them to her satisfaction. If she has any further concerns or would like to request the above mentioned letter, she can contact our Customer Relations and Consumer Disputes Department at 1-(866)[redacted].Sincerely,SECURITY FINANCE CORPORATION OF SOUTHCAROLINANancy [redacted] Secretary and General Counsel/jmsCC Pete L[redacted], SupervisorShari E[redacted], Vice President of Operations

October 18, 2017Revdex.com of Upstate South Carolina, Inc. via Online Attn: Cindy R[redacted]Re: Revdex.com Consumer Concern: [redacted]Dear Ms. R[redacted]:This will acknowledge Ms. [redacted]'s complaint received October 4, 2017 via email notification. I 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 bureaus. The 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. 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, 2016 or prior to this time, we are able to manually request an update to that information. However, 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 it. This 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 report. We have investigated this allegation and have been unable to substantiate it. It is against our company policy to make any statement regarding the affect that a loan or payments could have on a customer's credit score. Our 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 concerns. We hope that we have been able to address them to her satisfaction. If 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 [redacted] Secretary and General Counsel[redacted]

Re: Revdex.com Complaint: [redacted]ID : [redacted]Dear Ms. [redacted]This will acknowledge the above referenced complaint received February 6, 2017 via email notification, I have investigated this matter with the assistance of Kathy W[redacted], Supervisor of our Security Finance branch in [redacted], Georgia...

and Jim A[redacted], Director of our Tax Department,Mr. [redacted] alleges that he received a stale check for his 2015 state tax return proceeds. After Mr. [redacted] 2015 taxes were completed, he was provided his federal tax return proceeds; however his state tax return had not yet been received. Once the state tax return proceeds were received, the branch employees attempted to contact Mr, [redacted]; however, his phone number was disconnected and they were advised that he had moved to Florida. The branch employees were unable to obtain new contact information for Mr., [redacted].As soon as Mr. [redacted] came back in contact with the branch, our tax department contacted [redacted] Bank, the unaffiliated bank upon which the check was drawn, and requested that they replace the check. We have been informed by [redacted] Bank that the replacement check was mailed to Mr. [redacted]' current address on February 2, 2017.We thank Mr. [redacted] for taking the time to notify us of his complaint and hope that we have been able to address his concerns to his satisfaction. If he has any further questions, please direct him to contact our Customer Relations Department at 1-([redacted].Sincerely,SECURITY FINANCE OF GEORGIA, LLCNancy [redacted] Secretary and General CounselCC: Kathy W[redacted], SupervisorLena T[redacted], Vice President of Operations

Re: Revdex.com Complaint: [redacted]. Complaint ID #: [redacted] Dear Ms. [redacted];This will acknowledge the above"referenced complaint received May 23, 2017 via email notification, I have investigated this matter with the assistance of Trey M[redacted], Supervisor of our Professional Financial Services ("PFS") branch in [redacted], Georgia.Mr. [redacted] alleges that his account is not reporting to the credit bureaus even though he was told that it would be reported. It is important to note that PFS employees did not speak to Mr. [redacted] prior to loan closing as PFS simply purchased the contract from the dealership. While PFS has furnished loan experience information to the credit reporting agencies in the past, the Company is undergoing system programming and changes to our credit reporting environment, and we are not reporting information to the credit bureaus at this time. We regret any inconvenience this has caused Mr. [redacted]; however, the Company is under no obligation to report his account to the credit bureaus,We appreciate that Mr. [redacted] took the time to notify us of his concerns. We hope that we have been able to address them to his satisfaction. If Mr. [redacted] has any further concerns, he may contact our Customer Relations and Dispute Department at 1-(866) [redacted].Sincerely,PROFESSIONAL FINANCIAL SERVICES OF GEORGIA, LLCNancy [redacted] Secretary and General CounselCC Trey M[redacted], SupervisorBrandon B[redacted], Vice President of Operations Mark M[redacted], Chief Operating Officer

...

                                                                       PROFESSIONAL FINANCIAL SERVICES                                                                                                                                                  OF FLORIDA, LLCP. O. BOX [redacted], SC 29304-0811 1-(866)-[redacted]Nancy [redacted]                                         ...⇄ AddressSecretary and General Counsel                                         ...⇄                                         ...⇄ SC 29307May 3, 2017Revdex.com of Upstate South Carolina, Inc.             via OnlineAttn: Cindy R[redacted]Re: Consumer: [redacted] Complaint ID #:[redacted]Dear Ms. R[redacted]:This will acknowledge Ms. [redacted]'s complaint received by email notification on April 24, 2017. We have investigated this matter with the assistance of Jeana S[redacted], Corporate Paralegal.Ms. [redacted] states in her complaint that she obtained a loan from Professional Financial Services of Florida, LLC in August 2016 and it is not reporting on her credit reporting history. She further states that she paid off her loan in December 2016.We are undergoing system programming and changes to our credit reporting environment and we are not reporting information to the credit bureaus at this time. We regret any inconvenience this has caused Ms. [redacted].We appreciate that Ms. [redacted] took the time to notify us of her concerns. We hope that we have been able to address them to her satisfaction. If Ms. [redacted] has any further concerns, she may contact Our Customer Relations and Dispute Department at 1-(866) [redacted].Sincerely,PROFESSIONAL FINANCIAL SERVICES OF FLORIDA, LLCNancy [redacted] Secretary and General Counsel

October 26, 2017Revdex.com of Upstate South Carolina, Inc. via Online Attn: Cindy R[redacted]Re: Revdex.com Complaint: [redacted]Complaint ID #: [redacted]Dear Ms. R[redacted]:This will acknowledge the above referenced complaint received October 18, 2017 via email notification. I have investigated this matter with...

the assistance of Trey M[redacted], Supervisor of our PFS branch in [redacted], Georgia 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 bureaus. The 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 Ms. [redacted]'s account was opened on December 16, 2015, upon receipt of Ms. [redacted]'s complaint, our Customer Relations and Consumer Disputes Department has processed a manual request to TransUnion and Equifax to update her account tradeline as well as the account tradeline on the joint account holder's credit report to reflect the current status of her account as of October 26, 2017. Please 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.While we are not reporting to the credit bureaus, if Ms. [redacted] would like her payment history to be updated in the future, please request that she contact our Customer Relations and Dispute Department at the phone number below and we will submit another update. This is a manual process that must be completed upon receipt of a request and will not be done automatically; however, we will be happy to update it anytime a request is received. We regret any inconvenience that this may cause Ms. [redacted]. We appreciate Ms. [redacted]' business and that Ms. [redacted] took the time to notify us of her concerns. We hope that we have been able to address them to her satisfaction. If she has any further concerns, she may contact our Customer Relations and Dispute Department at 1-(866) [redacted].Sincerely,PROFESSIONAL FINANCIAL SERVICES OF GEORGIA, LLCNancy [redacted] Secretary and General Counsel/limscc; Trey M[redacted], SupervisorBrandon B[redacted], Vice President of Operations Mark M[redacted], Chief Operating Officer[redacted]

SECURITY FINANCE OF [redacted], LP HOME OFFICE P. O. BOX [redacted], SC 29304-0811 1-(866)-[redacted]Nancy [redacted]...

R[redacted] Street Address Secretary and General Counsel [redacted] Place [redacted], SC 29307 September 19, 2016Revdex.com of Upstate South Carolina, Inc. via Online Attn: [redacted]Re: Consumer: [redacted], [redacted]Complaint #: [redacted]Dear Ms. [redacted]:This will acknowledge Ms. [redacted]/s complaint received September 19, 2016 via email notification. We have investigated this matter with the assistance of Jeana S[redacted], Corporate Paralegal, and Jennifer C[redacted], 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] provided. It is our policy to stop phone calls to any consumer who asked not to be called. If 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 further. Our 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 [redacted], LPNancy [redacted] R[redacted] Secretary and General Counsel/jmsCC; Jennifer C[redacted], SupervisorGail B[redacted], Vice President of Operations

Dear Ms. [redacted]:This will acknowledge the above referenced complaint received March 8, 2017 via email notification. We have investigated this matter with the assistance of Melia M[redacted], Corporate Attorney. On September 15, 2016, Ms. [redacted] applied for a loan from our Security Finance branch in [redacted],...

IL, and was denied a loan because Ms. [redacted] did not meet our underwriting requirements, Specifically, Ms. [redacted]'s credit report showed charged off accounts that weighed against her creditworthiness,Ms. [redacted] again applied for a loan at the [redacted], IL office on December 20, 2016. Initially, the employee taking Ms. [redacted]'s loan application misspelled Ms. [redacted]'s name and did not realize that Ms. [redacted] had recently been denied a loan. However, the employee realized the mistake and informed Ms. [redacted] that if nothing had changed on her credit report, she would still not qualify for a loan. Ms. [redacted] stated that one of the charged off loans showing on her credit report had been paid. The employee at the branch obtained an updated credit report, but the report did not show any change. The employee called the creditor to confirm Ms. [redacted]'s statement, but the creditor denied that the account had been paid. -Since Ms. [redacted]'s credit history had not changed from the September 15, 2016 assessment, the branch informed her that she did not qualify for a loan. In her complaint, Ms. [redacted] alleges that she was not provided a loan because the employees at the Office gave her excuses or that the manager did not want to do business with her. However, the correct reason is that Ms.[redacted] did not meet the Company's standard underwriting guidelines as previously explained to her.If Ms. [redacted] has any further concerns, she may contact our Customer Relations and Consumer Dispute team at 1[redacted].Sincerely,SFC OF ILLINOIS, LLCNancy [redacted] Secretary and General Counsel

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

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.  I have spoke to the local branch and also the corporate office along with filing out paperwork stating that this...

account will report. I have heard many complaints from other clients stating that your company has made false allegations. I believe that your company needs to come up with one story that you will stick with. I have heard different stories that each of you have told me. I have been told by two(2) separate ladies at the local office that this should be reporting. I have also spoke to Mr R** in the local office and he advised that it should also be reporting. Also be advised that I have a portion of a letter from another individual that your company responded to. What everyone of your employees plus yourself is telling me is contradicting. Your company told the other lady the following:We have confirmed that the information that we are reporting  to the credit bureau is accurateSo explain this to me. If your company is not reporting and is not obligated to report why do you pick and choose? Is this a convenience thing for your company?
Regards,
[redacted]

Re; Revdex.com Complaint: [redacted]Complaint ID #: [redacted]Dear Ms. [redacted]:This will acknowledge the above referenced complaint received July 3, 2017 via email notification. I have investigated this matter with the assistance of Stephen B[redacted], Supervisor of our Professional Financial Services...

branch in [redacted], South Carolina.Mr. [redacted] alleges that his account payment history is not reporting to the credit bureaus. The Company is undergoing system programming and changes to our credit reporting environment, and we have not reported information to the credit bureaus since reportingaccount information as of July 31, 2016. We regret any inconvenience this has caused Mr. [redacted],While, Mr. [redacted] has not made all his payments on time as he alleges, he has not made any payments more than thirty days past the due date. Since Mr. [redacted]'s account was opened on July 26, 2016, we will request that the credit bureaus update the account tradeline of his account to reflect his payment history. Please note that we do not control the timing of TransUnion's of Equifax updates. Also, please be advised that we do not report to Experian.We appreciate that Mr. [redacted] took the time to notify us of his concerns. We hope that we have been able to address them to his satisfaction. If Mr. [redacted] has any further concerns, he may contact our Customer Relations and Dispute Department at 1-(866) [redacted]. Sincerely,PROFESSIONAL FINANCIAL SERVICES OF SOUTH CAROLINA, LLCNancy [redacted] Secretary and General CounselCC Stephen B[redacted], SupervisorBrandon B[redacted], Vice President of OperationsMark M[redacted], Chief Operating Officer

October 4, 2017Revdex.com of Upstate South Carolina, Inc. via Online Attn Cindy R[redacted]Re; Revdex.com Complaint: [redacted], [redacted]ID #: [redacted]Dear Ms. R[redacted]:This will acknowledge Ms. [redacted]'s complaint received by email notification on September 26, 2017. 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. [redacted]'s account due to the fact that she has a very similar name to another customer, who is the daughter of another customer. Unfortunately, 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 response. Our employee states that when she realized that she was speaking to the Wrong customer, she apologized and ended the call. We 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 complaint. We apologize to Ms. [redacted] that this happened and have provided additional training to our employees as a result. In 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 complaint. We greatly appreciate her business. We hope that we have been able to address her concerns to her satisfaction. If 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[redacted], Vice President of Operations[redacted]

Re: Revdex.com Complaint: [redacted]Complaint ID #: [redacted]Dear Ms. R[redacted]:This will acknowledge the above referenced complaint received December 7, 2017 via email notification. I have investigated this matter with the assistance of Stephen B[redacted], 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 bureaus. Ms. [redacted] has had two loans with our Company. One loan was opened on May 14, 2016 and was subsequently paid off in March 2017 by insurance proceeds. PFS was assigned a second Retail Sales Installment Contract dated March 13, 2017. 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. [redacted]'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 2016 account was paid and closed due to insurance proceeds. Unfortunately, Ms. [redacted]'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 systems. We regret any inconvenience this has caused Ms. [redacted].Ms. [redacted] alleges that she was misled by our employees regarding our credit reporting status. We have investigated these allegations and we are unable to substantiate them. Once the insurance proceeds paid off Ms. [redacted]'s prior account, Ms. [redacted] contacted our branch office and informed our employees that she would like to use PFS for a new loan. PFS did not discuss any loan terms with her and instead directed her to let whatever dealership she found a vehicle at know her request. There 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 agencies. Whether a lender chooses to report loan experience information to the credit reporting agencies and to which credit reporting agencies is completely Voluntary. If 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]-[redacted] to help facilitate any trade-in or 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. [redacted]'s March 13, 2017 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 accomplished. Again, 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 due. Ms. [redacted]'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 contract. Since there is no grace period, her loan is considered delinquent if the payment is not received by her due date. Therefore, 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 delinquent. Out of seven payments made on her most recent loan, Ms. [redacted] has had four (4) late fees assessed to her account. None of her remaining three (3) payments were made on or before her due date.Finally, PFS is still doing business with [redacted]. Mr. B[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. [redacted]'s business and that she took the time to notify us of her concerns. We hope that we have been able to address them to her satisfaction. If 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 ** R[redacted]Secretary and General CounselCC Stephen B[redacted], SupervisorBrandon B[redacted], Vice President of Operations Mark M[redacted], Chief Operating