International Center For Language Studies Inc

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

07/07/14.   #1 Prime time.   [redacted]. staunton Va.24402   #2 I would like an apology please and thank you.2I would like a repremandation 3I would like for all employees ADA Compliace training with communication skills for Disabled.  Individuals .      ...

            thank you. [redacted]      complaints follows.              The way that the employees have treated me has severely affected my Emotional Health and increased my depressive Symptoms the above disired outcome does not include all corrective. Actions as I feel it should to my satisfaction.

Thank you so much for bringing this complaint to my attention. I just went into this customer's account, reviewed her payment history, looked at the item's cost, looked at the comments on the customer's account, and had a conversation with the employee who handled her account. It seems that the...

customer is upset because there was a misunderstanding over taxes when the sale was first completed.The living room sofa and love seat the customer purchased have a 90 day, same as cash cost of $849.99. This means that she has a 90 day period to complete an $849.99 payment in order to reach complete ownership. However, the $849.99 are also accompanied by mandatory taxes, which amount to approximately $43.00. The customer's account was set up so that she completed monthly payments in a minimum amount of $100.76. The minimum amount is a payment that we must receive by a day of the month that the customer chooses. The day of the month chosen serves as a payment due by date, which is when customers need to complete their payments. Minimum monthly payments serve as a rental payments, as well as a payments that count against the 90 day same as cash cost of $849.99. Any additional payment amount goes as a surplus that helps the customer reach the amount of $849.99 at a faster rate. If the customer does not meet the amount of $849.99 (not including taxes) within 90 days, then the pricing jumps to a default pricing that includes financing costs. In this account, Ms. [redacted] chose the 4th day of the month as her monthly due date and she acknowledged that $100.76 was well within her budget, since her goal was to pay off the merchandise in 90 days and she planned on completing additional payments to get to ownership at a faster rate.Agreements are carefully and thoroughly explained during the rental-purchase of a new item. Our customer, Ms. [redacted], was asked about her purchase goals, and she indicated that she would be paying the item off within 90 days. In that scenario, Ms. [redacted] needed to complete monthly payments in the amount of about $298.00 for a period of three months. Ms. [redacted] also signed up for a damage waiver coverage, which serves as additional insurance and amounts to an additional amount 10% of her minimum monthly payment. Her payments include a $100.00 payment on June 6th, a $100.00 payment on July 5th, and her last payment of $200.00 on August 12th. So far, Ms. [redacted] has paid a total of $400.00 and her remainder payoff amount is $498.00, not including her damage waiver payment, which I would be more than glad to remove, should she ask me to. If she were to satisfy the 90 day same as [redacted] cost and pay for her damage waiver, her total payoff amount would be $512.43.During her last visit, Ms. [redacted] was thanked for completing her payment ahead of time and she was thanked for her business. When bringing up her concerns about the difference in her pay off amount, she was explained about the mandatory tax charges by providing her with a breakdown of her purchase and payment history and by explaining how most retail stores do not list costs including taxes, but instead, charge taxes at the end of the transaction. Because of the nature of our business, we make sure to evaluate how our customers would like to purchase an item, so that they are set up with an appropriate payment plan that fits their budget and meets their goals. Should financial hardships take place, we make sure to work with our customers and ensure that we assist them during those tough moments by approving payment deferrals, discounts, and the option of breaking up payments. Ms. [redacted] has not communicated of any hardships, nor has she contacted the store to request adjustments on her purchase. Instead, it seems that she has opted to complete a complaint, since she has ran out of time to satisfy her 90-day same as cash pricing offer. If she is interested in paying off the merchandise in the next three months or setting up a payment plan, we could certainly assist her in coming up with an individualized financing option that reflects a 180-day pricing offer.Should she have any further questions or issues, she is more than free to reach out to me and I would be more than glad to assist her.Respectfully,[redacted]General Manager, Buddy's Home Furnishings###-###-####