Hometown Financial

Ms [redacted] I chatted with one of your agents this morning on your website regarding the above noted complaint She advised me to email youI am responding to Complaint [redacted] which we just received in our office a few days ago If you could, please also update the email address you have on file for Hometown Financial as [redacted] , that would be helpful in us responding to complaints in a more timely mannerHometown Financial provides Debt Hardship programs to consumers struggling with usury Payday Loans The debt management program for which Mr [redacted] signed up has such lenders accept proposals for interest & fee free payment plans for the principals of Mr***' outstanding loan amounts Given Mr***' combined balance of $5,and stated budget, the program term was set for months per his executed agreement with Hometown Financial Hometown Financial contacted Mr***' lenders in March of and was able to obtain the interest rate and fee reduction concessions promised to Mr***With regards to this complaint, Mr [redacted] complains that the Loans and Lenders he enrolled in the program were not getting paid Hometown Financial received a total of $3,(Funds In) from Mr [redacted] and paid out $3,to his lenders, which included Cash Net USA, Max Lend, Golden Valley Lending, Clear Lake Holdings (dba Multi Loan Source) and Net Credit Payments were sent monthly to his lenders with those payments posting on 4/10/2015, 5/7/2015, 6/12/2015, 7/10/and 8/14/ The only Lender not paid was Radiant Cash, where Hometown Financial contacted this lender and this lender confirmed that Mr [redacted] had a zero balance with their company Mr [redacted] requested resolution in his complaint to the Revdex.com was for Hometown Financial to "pay on the loans" This is exactly what Hometown Financial did without any prompting from the Revdex.com and per the regular monthly payment schedule set forth in our debt hardship programsMr [redacted] also complained about reaching Hometown Financial's voicemail and that he never received any calls back However, we have no customer service notes or digital records of any voicemails or emails from Mr [redacted] on the date(s) in question The following notes confirm that we spoke with Mr [redacted] on 7/before we even knew of any complaints and within just business hours of him filing his complaint: 7/28/11:AM Quick Note Quick Note Client ci (called in), wants to cxl (cancel) Said we're not paying his lenders enough I explained the process, he still wants to cxl form sent stopped recurring (drafts) in (payment processing system) [redacted] Unfortunately, Mr [redacted] appears to lack the patience to see the program through Without tripling Mr***' Bi-Weekly payments, it would have been impossible to completely pay off all his loans in just months The total original balance was $5, With that said, payments were made to Mr***' lenders as promised with the funds paid by Mr [redacted] through 7/17/(before he cancelled) Please see Payment History below out of his lenders were paid off in the months he was enrolled We did advise Mr [redacted] that Lenders could begin to accrue interest and fees again if he were to cancel the hardship program, but he still chose to cancelLender Payment History: Cash Net USA 3/17/ Balance Provided By Client 3/25/ 1,Lender Corrected Balance 4/10/ 1,Cash Net USA 5/7/ 1,Cash Net USA 6/12/ Cash Net USA 7/10/ Cash Net USA 8/14/ Cash Net USA Golden Valley Lending 3/17/ Balance Provided By Client 6/11/ Lender Corrected Balance 7/10/ Golden Valley Lending 8/14/ Golden Valley Lending Net Credit 3/17/1, 1,Balance Provided By Client 4/2/(9.00) 1,Lender Corrected Balance 4/10/ 1,Net Credit 5/7/ Net Credit 6/12/ Net Credit 7/10/ Net Credit 8/14/ Net Credit Max Lend 3/17/ Balance Provided By Client 4/10/ Max Lend 5/7/ Max Lend 5/12/ Lender Corrected Balance 6/12/ Max Lend 7/10/ Max Lend 8/14/ - Max Lend - Clear Lake Holdings (Mulit Loan Source) 3/17/ Balance Provided By Client 4/10/(17.50) Lender Corrected Balance 5/7/ Clear Lake Holdings (Mulit Loan Source) 6/12/ Clear Lake Holdings (Mulit Loan Source) 7/10/ Clear Lake Holdings (Mulit Loan Source) 8/14/ - Clear Lake Holdings (Mulit Loan Source) - Radiant Cash 3/17/ Balance Provided By Client 3/25/(600.00) - Lender Corrected Balance - We wish Mr [redacted] the best of luck and would certainly be willing to allow him to re-enroll to complete the program should his lenders be willing to accept him back in This may be possible given that it has only been days Please let me know if you have any additional questions-Max [redacted] Hometown Financial _______________________________________________________________ [redacted] Austin, TX

Ms. [redacted] I chatted with one of your agents this morning on your website regarding the above noted complaint.  She advised me to email you. I am responding to Complaint [redacted] which we just received in our office a few days ago.  If you...

could, please also update the email address you have on file for Hometown Financial as [redacted], that would be helpful in us responding to complaints in a more timely manner. Hometown Financial provides Debt Hardship programs to consumers struggling with usury Payday Loans.  The debt management program for which Mr. [redacted] signed up has such lenders accept proposals for interest & fee free payment plans for the principals of Mr. [redacted]' outstanding loan amounts.  Given Mr. [redacted]' combined balance of $5,016.31 and stated budget, the program term was set for 12 months per his executed agreement with Hometown Financial.  Hometown Financial contacted Mr. [redacted]' lenders in March of 2015 and was able to obtain the interest rate and fee reduction concessions promised to Mr. [redacted]. With regards to this complaint, Mr. [redacted] complains that the Loans and Lenders he enrolled in the program were not getting paid.  Hometown Financial received a total of $3,704.43 (Funds In) from Mr. [redacted] and paid out $3,394.48 to his lenders, which included Cash Net USA, Max Lend, Golden Valley Lending, Clear Lake Holdings (dba Multi Loan Source) and Net Credit.  Payments were sent monthly to his lenders with those payments posting on 4/10/2015, 5/7/2015, 6/12/2015, 7/10/2015 and 8/14/2015.  The only Lender not paid was Radiant Cash, where Hometown Financial contacted this lender and this lender confirmed that Mr. [redacted] had a zero balance with their company.  Mr. [redacted] requested resolution in his complaint to the Revdex.com was for Hometown Financial to "pay on the loans".  This is exactly what Hometown Financial did without any prompting from the Revdex.com and per the regular monthly payment schedule set forth in our debt hardship programs. Mr. [redacted] also complained about reaching Hometown Financial's voicemail and that he never received any calls back.  However, we have no customer service notes or digital records of any voicemails or emails from Mr. [redacted] on the date(s) in question.  The following notes confirm that we spoke with Mr. [redacted] on 7/28 before we even knew of any complaints and within just 2 business hours of him filing his complaint: 7/28/2015 11:01 AM    Quick Note        Quick Note        Client ci (called in), wants to cxl (cancel).  Said we're not paying his lenders enough.  I explained the process, he still wants to cxl.  form sent.  stopped recurring (drafts) in (payment processing system).    [redacted] Unfortunately, Mr. [redacted] appears to lack the patience to see the program through.   Without tripling Mr. [redacted]' Bi-Weekly payments, it would have been impossible to completely pay off all his loans in just 4 months.  The total original balance was $5,016.31.  With that said, payments were made to Mr. [redacted]' lenders as promised with the funds paid by Mr. [redacted] through 7/17/2015 (before he cancelled).  Please see Payment History below.  3 out of his 6 lenders were paid off in the 4 months he was enrolled.  We did advise Mr. [redacted] that Lenders could begin to accrue interest and fees again if he were to cancel the hardship program, but he still chose to cancel. Lender Payment History:
Cash Net USA
  3/17/2015 900.00   900.00 Balance Provided By Client
  3/25/2015 370.31   1,270.31 Lender Corrected Balance
28440 4/10/2015   105.86 1,164.45 Cash Net USA
28800 5/7/2015   105.86 1,058.59 Cash Net USA
29203 6/12/2015   105.86 952.73 Cash Net USA
29635 7/10/2015   105.86 846.87 Cash Net USA
30004 8/14/2015   105.86 741.01 Cash Net USA
741.01



Golden Valley Lending
  3/17/2015 600.00   600.00 Balance Provided By Client
  6/11/2015 255.00   855.00 Lender Corrected Balance
29775 7/10/2015   71.25 783.75 Golden Valley Lending
30125 8/14/2015   140.52 643.23 Golden Valley Lending
643.23



Net Credit
  3/17/2015 1,200.00   1,200.00 Balance Provided By Client
  4/2/2015 (9.00)   1,191.00 Lender Corrected Balance
28564 4/10/2015   120.00 1,071.00 Net Credit
28935 5/7/2015   120.00 951.00 Net Credit
29346 6/12/2015   120.00 831.00 Net Credit
29771 7/10/2015   120.00 711.00 Net Credit
30120 8/14/2015   120.00 591.00 Net Credit
591.00



Max Lend
  3/17/2015 500.00   500.00 Balance Provided By Client
28627 4/10/2015   50.00 450.00 Max Lend
28990 5/7/2015   50.00 400.00 Max Lend
  5/12/2015 266.94   666.94 Lender Corrected Balance
29401 6/12/2015   127.82 539.12 Max Lend
29821 7/10/2015   127.82 411.30 Max Lend
30163 8/14/2015   411.30 - Max Lend
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Clear Lake Holdings (Mulit Loan Source)
  3/17/2015 600.00   600.00 Balance Provided By Client
  4/10/2015 (17.50)   582.50 Lender Corrected Balance
28855 5/7/2015   50.00 532.50 Clear Lake Holdings (Mulit Loan Source)
29264 6/12/2015   50.00 482.50 Clear Lake Holdings (Mulit Loan Source)
29697 7/10/2015   50.00 432.50 Clear Lake Holdings (Mulit Loan Source)
30052 8/14/2015   432.50 - Clear Lake Holdings (Mulit Loan Source)
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Radiant Cash
  3/17/2015 600.00   600.00 Balance Provided By Client
  3/25/2015 (600.00)   - Lender Corrected Balance
-
We wish Mr. [redacted] the best of luck and would certainly be willing to allow him to re-enroll to complete the program should his lenders be willing to accept him back in.  This may be possible given that it has only been 30 days.  Please let me know if you have any additional questions. -Max   [redacted] Hometown Financial _______________________________________________________________ [redacted] Austin, TX 78758