Jamal's Collision & Frame

We apologize that you are not satisfied - however, you have not presented any new concerns or complaints in your rebuttalAs such, TimePayment maintains our position as stated in our initial replyPlease do not hesitate to contact us directly with any further concerns, as we would be happy to work toward an amicable resolution

TimePayment does not have an active account for you, nor your husbandTimePayment has not withdrawn any funds from your bank account, nor received any payments in connection with the aforementioned applicationsWe have no knowledge of any such transaction

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
I am disappointed in the poor handling of this case. The investigator has not been out of the office since I submitted the claim and on her voice mail, it does not reflect that she is out of the office or that she will be back on February 29, 2016. I had asked to speak to someone else, and was told that *** was in charge of this case, therefore, I was told to leave a message. I left numerous messages and no one ever got back to me. I am definitely requesting that the fraudulent account be closed. The equipment should be confiscated and lease be terminated immediately. Time payment did not do their due diligence, fraud was committed against me, and the broker that took this fraudulent application,knowingly, still represents Time Payment Corp. *** *** (vendor code ***) should be terminated for lack of due diligence by not verifying any of the information on such as application. Mr*** created the application and although there is no direct evidence that he may have forged the signature himself to benefit him in form of a large commission, it is definitely a possibility. *** * *** or *** *** were the only two individuals that could have created such fraudulent crime.A police report was filed, an affidavit of fraud was submitted to time payment corp and specimens of my signatures were notarized and also submitted to time payment corp as well as federal issued government ID's to match signatures. I also have contacted the office of the Attorney General of the state of Massachusetts to file a complaint against Time Payment Corp for their involvement in the fraud against me. I am now requesting that all accounts held my Time Payment Corp be terminated and removed from my credit report, mainly in part for the lack of good faith and neglect of due diligence as well as lack of speed in resolving this matter. This should have never happened, and Time Payment Corp needs to own up to their mistake. I don't want anything to do with this companyI will not seek prosecution if Time Payment Corp agrees to close all accounts where my name and credit is being affected. After the accounts are closed and I have receipt of such, I will most definitely sign a release if Time Payment Corp requests it, to ensure that I will not seek prosecution and case will be dropped. This all could be resolved in a rapid manner without any repercussions to all parties.
Regards,
*** ***

We apologize that you are not satisfied with our response - however, it is TimePayment’s position that we have appropriately addressed your complaint in our responses on September 8th and 23rdTo date, we have not received your completed Misrepresentation Questionnaire, or the return of the security equipmentTimePayment maintains our position that we do not have access to any codes relating to the security system or alarm serviceAs previously stated, once we receive your completed Misrepresentation Questionnaire, our Legal Resolutions Department will conduct an investigation into this matter

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***I am rejecting this companies response on these grounds, they in fact did send a letter on October 28,notifying me that a loss payee binder was needed listing themBut I switched agents and insurance companies in 2015, I indeed asked them to list Time payment as loss payee and issue them proof of insurance as requiredHow was I to know this was not done or not received by the appropriate party without a letter such as the one from Oct 2014? They are using the excuse its not their responsibility to notify us as a reason to over charge this redundant coverageI have submitted proof that coverage was in place the whole time without a lapse and demand a full refund of $1920.00.Thank you,*** ***
[If you are rejecting the business's response please enter your rejection comments here.]
Regards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
[If you are rejecting the business's response please enter your rejection comments here.] Once again, it would appear that the timepayment organization is in the business of taking advantage of individuals, who thought good of them I am not implying anything It is a fact that I presented a deposit of $6,for a $8,unit, leaving a balance of $2,not to include finance charges, but even with the finance charges, it should not be more than $3, To insist that I pay the timepayment organization $6,688.80, some $3,over the balance due is a strong arm tactic At no time did the representative request a copy of our Tax exempt 501(c)(3) letter, nor did he explain any type of finance matters over the telephone Note: At no time do we entertain finance matters over a unsecure telephone line You are indicating that I must pay you property tax as well, when we pay any and all property tax to the county, inwhich the church is located It would appear that attempting to pay off this debt of $2,to include any resonable finance charge is a dead issue, therefore, we have decided that if the Revdex.com cannot assist us in clearing up this crazy implication on your behalf, I on behalf of the church will have no other choice but to contact the SC Secretary of State, for their assistance in this matter We are not in the habit of attempting to clear up a honest debt owed, and have it thrown back at us, times over said debt for no reason
Regards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
The issue at hand is that it was never explained that we were in an "only" lease agreement We were told we were in an ownership agreement I would like to receive the recorded phone call to confirm one such exists There was never disclosure about the amount being added to the cost of the equipment When we contacted *** *** we were informed that we would be buying this equipment not leasing it These "terms" are just a way of getting people to agree to something they do not understand Also you reported that the fee calculated was based on our credit history Please provide how you calculate that There has to a way you calculate what to charge people and that should be fully disclosed I have entered into a lease agreement before and ALL terms were always disclosed
Regards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below. first off,you are right,this is my mistake it is a lease,but there is interest on it,my original price was$8750.00,my payoff under the lease is over $11,100.00,i'm not disputing this,all i'm asking is that the $3002,be applied to the balance that is owed,also you stated my payoff is approximately $5200.00,there is no regard to the $that I have already paid.when I paid this I was not informed that you would keep the money,deposit and collect interest on it,i'm sure my money is not sitting there idly,I see all kinds of things in the lease if i'm in default,but nothing if I want to pay ahead that there is a penalty.I understand I have to pay the full amount,but on the other hand the money you have should be applied to the lease,otherwise I have paid this amount in vain,I was told that I would not have to make a payment until this amount was used but not told that full amount ould not be applied to lease,you do still in fact have the balance of $minus the last $payment,I have never defaulted on any part of my lease.all I want is the correct amount applied to my lease
first Regards,
*** ***

Review of this account indicates that your personal information was submitted to our company via a credit application on our website on December 10, TimePayment approved the application, based on our credit review, and sent the lease documents via email to be completed and signed
electronicallyThe Lease Agreement was signed and returned to us (electronically) on December 11, TimePayment then paid the equipment vendor, *** *** * *** *** for the equipment and commenced the LeaseWe understand that you are claiming that you did not submit this credit application, or sign the Lease AgreementIn order for TimePayment to thoroughly investigate this claim of identity theft, we do need for you to complete the Forgery Questionnaire that was sent to you previouslyFor your convenience, I have attached copies of the Forgery Questionnaire and the Lease Agreement heretoPlease complete the Questionnaire and return it to TimePayment’s Legal Resolutions Department at your earliest convenienceOnce received, we will commenced an investigation into your claim, which may take up to days to complete

As previously stated, TimePayment Corpdoes not employ door-to-door salespeople, nor do we have any knowledge of any salesperson’s offer to upgrade the security equipment that you are leasing from our companyFurthermore, TimePayment Corpdoes not have access to any “reset codes”, as that is something that you would need to contact your alarm monitoring company aboutYou are claiming that TimePayment Corphas refused to contact the company which you believe we sent to your business in order to induce you into signing a new contract for upgraded equipmentAs previously stated TimePayment has no knowledge of this transaction or which company may be responsible for it, nor can we assist in repairing your alarm monitoring servicesTo address the portion of your complaint related to TimePayment holding you personally responsible for the contract, we would like to remind you that you signed Commercial Equipment Lease Agreement No*** on behalf of Canyon River Spa Inc., as well as a Personal Guarantor (please refer to the bottom of page one)Because you signed the contract as a Personal Guarantor, failure to fulfil your obligations as outlined in the Lease Agreement could result in negative reporting on your personal credit report. Finally, TimePayment has never “knowingly participated in a security alarm scam”TimePayment’s only role in any equipment leasing transaction is to purchase equipment of the Lessee’s choosing from the equipment vendor company of the Lessee’s choosing after the Lease terms have been agreed-upon and the Lease Agreement has been signedTimePayment did not instruct any company to go to your business to solicit new equipment or a new contract, either prior to the commencement of the Lease or following itTo date, you have not provided specific information which may assist us in identifying the salesperson or company who came to your business and purportedly disconnected your alarm monitoring serviceWhile TimePayment was not involved in the transaction described in your complaint, our records indicate that we did send you a Misrepresentation Questionnaire on September 9th to complete and send back to us so that our Legal Resolutions Department may be able to better investigate this matterFor your convenience, I have attached a second copy of that Questionnaire hereto.As suggested in our original response, the best way to remedy a problem with the functionality of your alarm monitoring service is to contact your alarm monitoring service provider to discuss possible solutionsWe apologize that we do not have any additional information in regard to the matter outlined in your complaint

As TimePayment previously informed you, in our response to your prior Revdex.com complaint (no***), we cannot locate any accounts for you in our database Records reflect that we received two (2) separate credit applications for your husband, *** ***, on March 26th and July 6thBoth
applications were cancelled, and are not eligible for commencementNeither of the applications has had any activity since July 6thTimePayment did not purchase any equipment on your husband’s behalf, nor did we commence any Equipment Lease Agreements in his name As stated in our response to you, on July 6th, we cannot locate any active accounts for you or your husband, and TimePayment has not withdrawn any funds from your bank account, nor received any payments in connection with the aforementioned applicationsWe have no knowledge of any such transaction You may wish to contact *** *** if you believe that the $1,deduction is related to the purchase of a water heater

Unfortunately, TimePayment does not have any documents on record showing valid insurance coverage for the equipment for the months that you were billed the Loss or Destruction Waiver FeePlease provide proof of insurance for the months of June, through January, and TimePayment would be happy to refund any fees that were charged to you for the Loss or Destruction Waiver Fee for those months

TimePayment's records indicate that you completed a Forgery Questionnaire and returned it to TimePaymentIt was received by our Legal Resolutions Department on December 13, 2016, and you were mailed a letter confirming sameLegal Resolutions Coordinator, *** ***, immediately commenced an
investigation into your claim of identity theft, and has been in contact with you regarding that ongoing investigationShould you have further questions regarding the status of the investigation, please contact *** at (*** ***, ext***, or at ***.***

As previously explained, TimePayment’s role in this transaction was solely that of a finance lessorWe paid the equipment vendor for the equipment, at your request, after you had reviewed and signed the Lease, and the equipment had already been installed (pursuant to the Delivery and Acceptance Form, which you signed and dated February 3, 2015) No representatives of TimePayment were present at the time of the vendor’s sales pitch, nor when you signed the LeaseWhether or not the independent equipment vendor accepts third-party payments from credit unions is not something that TimePayment can comment on, as we are a completely separate company As stated in the top, left corner of page one (1), if the terms and conditions of the Lease were not fully understood prior to signing, legal advice should have be sought before signingIt is TimePayment’s position that you were given ample opportunity to review the Lease, prior to signing it, and to elect not to sign if you disagreed with the terms and conditionsYou signed the Lease on February 3, 2015, and submitted a total of payments without dispute As previously stated, the leased equipment is owned by TimePayment, and is being leased to you (via the Equipment Lease) for a period of monthsPursuant to the “Purchase Option at End of Lease Term” section (located one page 1), you have the option to purchase the equipment from TimePayment at the end of the Lease term, for its fair market value, not to exceed regular monthly lease payments As stated in our initial response, you are not obligated to name TimePayment as a Loss Payee on your homeowner’s insurance policyIf you do decide to list TimePayment on the policy, we seek only to collect what remains owus under the terms of the Consumer Equipment Lease if the equipment is destroyed while installed in your home It is TimePayment’s position that all terms, conditions, costs and fees associated with the Consumer Equipment Lease are disclosed within the pages of the contract, and cannot be amended or voidedWe sincerely apologize that we cannot comply with your request to close the account for payments already receivedWe hope that our response has clarified the terms of the contract, and we urge you to contact our Lessee Relations Department with any further questions or concerns

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # *** I have sent the questionnaire back, but your response is as if I did make the applicationThere are three different addresses, the e-mail is not mine and the vendor corporation that you funded has been inactive for yearsThere must be zero checks and balances thereIt is only when you clear my lease obligation and credit report will I be satisfied
Regards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
Regards,
*** ***

We apologize that you are not satisfied with our responseAs stated in the cover letter that accompanied the Forgery Questionnaire, the investigation into your forgery claim can take up to days to complete, once receivedTimePayment received your claim documents for account *** on February 19th, and the investigation is pendingPlease allow a reasonable amount of time for this claim to be thoroughly investigated As previously stated, there are no open claims on your second account (***) that are being investigatedIf you wish for that account to be closed, the current buyout amount is $3,

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
Regards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***First of all my husband is the customer and he worksAnd does not have the time to keep track of what is going onThe company does not call to give updates to himHe calls when he has time.We found out about the new agreement on June And contacted our salesperson on July He informed that the application was cancelledAnd another credit report needs to be done over again.And that he was working on the new agreement

We are sorry to hear that you are dissatisfied with our response to your complaintAs previously mentioned, we would be happy to review any documentation, correspondence, or other substantiating material that you may have in support of your claimPlease contact us to discuss the matter further