JNK Landscaping and Pools

We are in receipt of *** ***’s complaint and will address the items noted. It is always unfortunate when a customer is dissatisfied with our product, especially a returning customer. We greatly appreciate *** ***’s repeat business. The loan terms and conditions, as well
as repayment options, were explained to *** *** at the time of loan originationGreen Trust Cash discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowingWe encourage our customers to pay off their loan sooner to reduce the cost of the loan. There are no pre-payment penalties for additional or early repaymentWe apologize for any misunderstanding that may have occurred. With regards to the legality of the loan, our disclosures clearly indicate on the website and in the loan documents executed by *** *** that Green Trust Cash, LLC is a wholly-owned and operated entity of the Fort Belknap Indian Community (the “Tribe”) on the Fort Belknap Reservation of Montana. Green Trust Cash was established for the Tribe’s economic benefit, and is organized under and operates pursuant to Tribal law. As an economic arm of the Tribe, Green Trust Cash shares the Tribe’s sovereign immunity and therefore, is not subject to state law as referenced in *** ***’s complaint.The loan agreement signed by *** *** is legally binding, and we had every right to expect payment as scheduled in the agreementTo date, *** *** has only made a partial repayment in accordance with the loan termsHowever, as a one-time courtesy and in an effort to amicably resolve this matter, we have waived *** ***’s remaining balance and consider the loan paid in fullWe will notate this in the customer’s file and notify the customer utilizing the contact information she has provided to Green Trust CashIf *** *** has any additional questions, we urge her to please call our customer service line directly.Thank you for the opportunity to address this customer’s concerns. Sincerely,Green Trust Cash

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

July 27, 2017 Re: *** *** Revdex.com Complaint It is always unfortunate when a customer is dissatisfied with our service or the services we have provided. To ensure full disclosure our representatives review all aspects of the contract with each customer during the
underwriting process including but not limited to the repayment options and repayment scheduleThe customer is advised to review the loan contract before signing, and the TILA disclosure on the first page of the contract illustrates the APR and cost of the loan if only the minimum payments are madeWe also follow the applicable principles of Federal Financial consumer law as part of our lending program. This information is also provided to the consumer post funding in the form of an email documenting how the transaction works. Furthermore, disclosures are provided to our customers in the contract, on our website, and during our underwriting process that this is an expensive form of borrowing and not a long term financial solution, and we highly recommend the consumer make additional payments to save on charges if possible. The review of Ms***’s account indicates that our processes were followed and communicated during the underwriting process and no wrongdoing was noted on our part. It is our position that the loan signed for by Ms*** is a legally binding agreement and we have every right to expect payment as scheduled in the agreement. Regardless, we certainly understand everyone faces financial difficulties from time to time and we wish Ms*** our best as she is dealing with her health issueAs a gesture of goodwill, we will be happy to apply all monies paid to her principal and settle Ms***’s account for the remaining principal balance owed. We appreciate all reviews and comments from our consumers positive or negative and utilize them to review our own internal processes to ensure we are doing what is necessary to make the consumer experience pleasant and informative. A representative will reach out to Mr*** to coordinate the agreed upon settlement. Thank you for the opportunity to respond. Sincerely, Green Trust Cash

*** *** Revdex.com Complaint ***
It is always disappointing when a customer is dissatisfied with our service or does not understand the services we have provided.
Upon receipt of this complaint we immediately began an investigation of Ms***’s account to ensure procedurally we
followed our prescribed protocol
With regards to the legality of the transaction our disclosures clearly indicate in the website disclaimers and loan documents executed by Ms***, Green Trust Cash, LLC (the “Company”) is a wholly owned and operated entity of the Fort Belknap Indian Community (the “Tribe”) on the Fort Belknap Reservation of Montana (the “Reservation). The Company is wholly owned by the Tribe, was established for the Tribe’s economic benefit, and is organized under and operates pursuant to Tribal law. As an economic arm of the Tribe, the Company shares the Tribe’s sovereign immunity and, therefore, is not subject to state enforcement actions described in your complaint
The Fort Belknap Indian Community is a federally recognized Indian tribe and a sovereign nation, as expressly recognized under federal law. See Fed.Reg 60,810,60,811. As such Green Trust Cash, LLC, conducts business under all principles of applicable Federal financial consumer laws and the laws of the Fort Belknap Tribe. We diligently work with our consumers to resolve any inquiries and issues that have been brought to our attention in a timely manner
It should be further noted that the contract signed by Ms*** documents the applicable disclosures as required by the principles of applicable Federal financial consumer law, which includes the APR and a detailed payment schedule, and a disclaimer stating that this is an expensive form of borrowing which was communicated to Ms*** during the underwriting process. We did not state that we wanted Ms*** to pay back $1,dollars, but what is illustrated is the minimum payment schedule, as required, and we encourage all customers to pay off as quickly as possible to save on charges. Re-payment is in the control of the consumer there are no pre-payment penalties
To ensure full disclosure our representatives review all aspects of the contract with each customer during the underwriting process including but not limited to the repayment schedule which is illustrated in the contract and summarized in the Truth In Lending statements. This information is also provided to the consumer post funding in the form of an email documenting what was discussed and how the transaction works.
To be clear our investigation revealed that all aspects and disclosures were discussed with Ms*** including the fact that this is an expensive form of borrowing, that the payment schedule was a schedule of minimum payments, and that we encourage customers make additional payments to save on charges, and that the customer controls how much they can save by paying off early and in what amount
We have found no wrong doing and procedurally our process and scripts were followed as trained and we did not identify anything that was or was not communicated to Ms*** as intended. Also, note as per Ms***’s request we have revoked her ACH authorization
We do appreciate the opportunity to respond to Ms***’s complaint and we take all complaints very seriously and utilize them to self-evaluate our own internal processes to ensure we are doing what is necessary to follow the applicable principles of Federal financial consumer law and make the consumer experience pleasant and informative.
Irrespective of our position as a gesture of goodwill we will waive the remaining balance owed by Ms*** and consider her account paid in full
Thank you for your time and attention, if we can be of any further assistance feel free to contact us at your earliest convenience
Sincerely,
Green Trust Cash

Revdex.com:Green Trust cash sent me the following email this morning and I am satisfied with the outcome.In answering your complaint with the Revdex.com Green Trust Cash has agreed to accept $to settle loan ID *** for the remaining principal balanceWe have also revoked the ACH debit as wellThe full response should be available to you from the Revdex.com.Please let us know as to when we should expect the money order payment to be in our office so we may set the settlement on the account I will contact the business to make the arrangement to pay of the remaining principal balance via money order
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

September 28, 2017Re: *** *** Revdex.com Complaint -#***It is always unfortunate when a customer is dissatisfied with our service or the services we have providedIt is very apparent that an unscrupulous scammer acting as Green Trust Cash is harassing this customer. Green Trust Cash
follows the applicable principles of Federal Financial consumer law as part of our lending program, and particular attention is made to the FDCPA regulations and management of our past due accounts.The review of *** *** account indicates that our processes were followed with respect to our collection practicesTo be very clear *** *** account was written off on 9/26/and no communications via email, text, or telephone have taken place with her since the aforementioned dateWe have confirmed by a review of our records and phone system. It is very unfortunate to know companies and people are out there attempting to take advantage of others in this mannerWe highly recommend *** *** request the number and address from the callers the next time it occurs, or ask where to send a paymentOnce that information is obtained, we further recommend she report her findings to the following: • Local law enforcement • FTC • OLA Fraud Hotline• Block the number with her service provider• Most importantly tell the caller you are going to report them to law enforcement. If we can be of any assistance to *** ***, we would be happy to helpGreen Trust Cash supports every effort *** *** takes to identify and stop this type of activityActivities such as this harm everyone trying to operate by following the regulations provided, and it causes reputational damage to Green Trust Cash. We appreciate all reviews and comments from our consumers positive or negative and utilize them to review our own internal processes to ensure we are doing what is necessary to make the consumer experience pleasant and informativeAgain what *** *** is experiencing is unacceptable on every level and we can assure you no calls or communications are coming from our company. Thank you for the opportunity to respond

We are in receipt of Mr***’s complaint and will address the items noted. It is always unfortunate when a customer is dissatisfied with our product, especially a returning customer. The loan terms and conditions, as well as repayment options, were explained to Mr*** at
the time of loan originationGreen Trust Cash discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowingWe also encourage our customers to pay off their loan sooner to reduce the cost of the loan. Our review indicates that when Mr*** called to pay off his loan, the customer service representative who spoke with Mr*** did not communicate information in a manner that meets our expectations. We will take this opportunity and conduct additional training for our customer service representativesFurthermore, as a gesture of goodwill, we will apply all monies paid to date by Mr*** to his principal balance and settle his account for the remaining principal owed with no further interest required We will attempt to reach Mr*** utilizing the contact information he has provided to usCorrespondingly, Mr*** may call our customer service line and he will be directed to the representative who can assist him with any further questionsWe apologize for any misunderstanding that has occurred Thank you for the opportunity to respond Sincerely, Green Trust Cash

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received, your complaint will be closed Administratively Resolved]
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 complaintFor your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]They are lying about my balance amount I been making payments since April until july in total of when I only got dollars and under the O.R.Cthey can only charge up to 28% and nothing more plus they have to be licensed under ohio law plus I no that they consider themselves as a tribal leaders but this is not fair attached is a emails about my loan balance and where they say it will mess up my credit.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. I spoke with Ms*** in Accounts Management and she advised she listened to the recording between myself and the representive and at no time did he advised me that the payment plan he offered me was an example as the other representions wanted me to believe that he told me that he was giving me an example of a payment scheduleMs*** called me and followed up on my complaint and offered me the original payment plan that I was told I could have and see also send me an email offering me a discount on my 4th and final paymentI was pleased with Ms*** on the way she handled my case and not just tried to brush me off like the rest of the telephone representivesI literally called Green Trust Loan 4-times and someone kept hanging up the phone on meMs*** called back when she seen that I had been trying to contact her several times. Also, I am extremely please with the Revdex.com with the timely and precise manner in which they handled my claim. Thank You Revdex.com
Sincerely,
*** ***

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

I really disagree with what they said because they are trying to still get another dollars out of me and after I got in touch with the Revdex.com now they want to work something out after calling me my job and e-mails I fill like they got payed in full I pay them enough money and I feel like they are getting over on people because they are a tribal loanThey are using the internet to get over on people who are in need of moneyThis is not right the interest is to high and when they take dollars and only dollars goes to your loan balance that is fraud

Revdex.com
Complaint ***
Mrs***
***
Re: Loan
#***
We are in receipt of Mrs*** complaint
and will address each item as notedWe take these matters very seriously, and
it is always unfortunate when a customer is dissatisfied with our service or
the services we have
provided especially when they are a returning VIP
Currently Mrs*** has a balance
of $on her loan, and as a VIP she did receive a discounted interest rate as
compared to a new customer, and this is illustrated on our website and
explained during the underwriting process.
The $in interest she is speaking of relates to the minimum payment
schedule illustrated in her loan contract which she signed, and we are required
under TILA to provide to her
We fully understand and communicate
that this is an expensive form of borrowing and encourage our consumers to make
additional payments to minimize charges that they incur. Furthermore, we caution our customers that
this product should not be used as a long term financial solution. In fact Mrs*** paid off her first loan
with us after payments, which is an excellent use of the product.
As we previously stated we take these
matters very seriously and will review our underwriting process and e mail
communications to ensure we are communicating the aforementioned points clearly
and accurately. Additionally *** from
our Account Resolution Department will be reaching out to Mrs*** to
facilitate an acceptable settlement of her account
Thank you for your time and attention
and as always if you have any other questions or require additional information
do not hesitate contacting us at your earliest convenience

Revdex.com complaint # ***
It is always unfortunate when a customer is dissatisfied with the services we have provided, and we take these matters very seriously
Upon receipt of Ms***’s complaint we immediately investigated her account. Our review noted that Ms*** has borrowed
from our company on more than one occasion, but diligently paid back her obligation in to payments as we recommend saving herself finance charges
With regards to the legality of the transaction our disclosures clearly indicate in the website disclaimers and loan documents executed by Ms***, Green Trust Cash, LLC (the “Company”) is a wholly owned and operated entity of the Fort Belknap Indian Community (the “Tribe”) on the Fort Belknap Reservation of Montana (the “Reservation). The Company is wholly owned by the Tribe, was established for the Tribe’s economic benefit, and is organized under and operates pursuant to Tribal lawAs an economic arm of the Tribe, the Company shares the Tribe’s sovereign immunity and, therefore, is not subject to state enforcement actions described in your complaint
We diligently work with our consumers to resolve any inquiries and issues that have been brought to our attention in a timely manner, and follow applicable Federal financial consumer laws , and do not engage in, nor condone any member of our team harassing a customer, and see no evidence of this behavior
It should be further noted that the contract signed by Ms*** documents the applicable disclosures as required by the principles of applicable Federal financial consumer law, which includes the APR and a detailed payment schedule, and a disclaimer stating that this is an expensive form of borrowing which was communicated to Ms*** during the underwriting process
To be clear our investigation revealed that all aspects and disclosures were discussed with Ms*** including the fact that this is an expensive form of borrowing, that the payment schedule was a schedule of minimum payments, and that we encourage customers make additional payments to save on charges, and that the customer controls how much they can save by paying off early and in what amountMs*** at no time expressed that she needed assistance in paying the loan as she would make additional payments toward her principal balanceHad she informed us of this need we would have worked with her since she has been such a valued customer
We have found no wrong doing and procedurally our process and scripts were followed as trained and we did not identify anything that was or was not communicated to Ms*** as intended. We do appreciate the opportunity to respond to Ms***’s complaint and we take all complaints very seriously and utilize them to self-evaluate our own internal processes to ensure we are doing what is necessary to follow the applicable principles of Federal financial consumer law and make the consumer experience pleasant and informative.
Irrespective of our position as a gesture of goodwill we will waive the remaining balance owed by Ms*** and consider her account paid in full
Thank you for your time and attention, if we can be of any further assistance feel free to contact us at your earliest convenience

June 12, Re: *** *** It is always unfortunate when a customer is dissatisfied with our service or the services we have provided and we take these matters very seriouslyTo ensure full disclosure our representatives review all aspects of the contract with each customer during the
underwriting process including but not limited to the repayment options and repayment scheduleThe customer is advised to review the loan contract before signing, and the TILA disclosure on the first page of the contract illustrates the APR and cost of the loan if only the minimum payments are made, with respect to the total payback noted by Mr*** our records and contract do not reflect the amount noted in his complaintThis information is also provided to the consumer post funding in the form of an email documenting how the transaction works. Furthermore, disclosures are provided to our customers in the contract, on our website, and during our underwriting process that this is an expensive form of borrowing and not a long-term financial solution, and we highly recommend the consumer make additional payments to save on charges if possible. Our underwriting criteria is applied in a consistent manner to all consumers, and we are always available to discuss payment plans or arrangements when a customer finds that they are experiencing any difficulties in meeting their financial obligations. Review of our records and phone system do not show any calls received from Mr*** as noted in his complaint with the exception of his initial call during underwritingOur standard practice to keep all calls for a set period of time and all conversations require notes be documented in the systemThe review of Mr***’s account indicates that our processes were followed and communicated during the underwriting review and no wrongdoing was noted on our part. Regardless, as a gesture of goodwill we would be happy to settle and set up payment arrangements for Mr***’s loan for the remaining principal balance only. We appreciate all comments from our customers positive or negative and utilize them to review our own internal processes to ensure we are doing what is necessary to make the consumer experience pleasant and informative. Furthermore, we understand everyone experiences financial difficulties from time to timeThank you for the opportunity to respond, and assist. Please contact customer service at your earliest convenience to discuss your accountSincerely, Green Trust Cash

[redacted] [redacted] Complaint # [redacted]   We are in receipt of Ms. [redacted]’s complaint and will address the items noted.  It appears that we have an issue involving the reissuance of a cell phone number, which is common practice these days.  Ms. [redacted]’s current cell number was attached...

to the file of a former customer who had opted in for text messaging.   Irrespective the opting out and notification processes are still in place and should be adhered to per operating protocol.  Because of the complaint, we reviewed our records and call logs to see if any incoming calls, emails, text messages or correspondence had been received from Ms. [redacted].   Our findings came up with no positive results of contact.  Of course in the age of technology anything seems possible so we are also testing the opt in and out processes within our LMS system and with our SMS provider to ensure we make every effort to ensure applicants, and borrowers have an efficient effective customer experience.   We certainly apologize for the inconvenience that Ms. [redacted] experienced and we have checked and double-checked to ensure her number is blocked from all future correspondence.  If for any reason Ms. [redacted] does receive correspondence in the future, please contact us immediately so we can address the situation.   Thank you for the opportunity to respond, and again we apologize for any inconvenience experienced.  Green Trust Cash makes every effort to follow the Principles of Federal financial consumer law and in so doing take every complaint very seriously and utilize them to self-evaluate our systems and processes.   If we can be of any further assistance, please let us know.

[redacted] Revdex.com Complaint [redacted]     It is always disappointing when a customer is dissatisfied with our service or there is a misunderstanding between a borrower and a representative.    Upon receipt of this complaint, we immediately began an investigation of Ms....

[redacted]’s account to ensure procedurally we followed our prescribed protocol. Please note that the contract signed by Ms. [redacted] documents the disclosures as required by the principles of applicable Federal financial consumer law, which includes the APR and a detailed payment schedule, and a disclaimer stating that this is an expensive form of borrowing which was communicated to Ms. [redacted] during the underwriting process.    In addition, to ensure full disclosure our representative reviewed these aspects of the contract with Ms. [redacted] during the underwriting process including but not limited to the repayment schedule which is illustrated in the contract and summarized in the Truth In Lending statements.  This information is also provided to the consumer post funding in the form of an email documenting what was discussed and how the transaction works.    To be clear our investigation revealed that all aspects and disclosures were discussed with Ms. [redacted] including the fact that this is an expensive form of borrowing, that the payment schedule was a schedule of minimum payments, and that we encourage customers make additional payments to save on charges, and that the customer controls how much they can save by paying off early and in what amount.    With regards to the legality of the loan provided to Ms. [redacted] our disclosures clearly indicate on the website  and in the loan documents executed by Ms. [redacted], Green Trust Cash, LLC (the “Company”) is a wholly owned and operated entity of the Fort Belknap Indian Community (the “Tribe”) on the Fort Belknap Reservation of Montana (the “Reservation).  The Company is wholly owned by the Tribe, was established for the Tribe’s economic benefit, and is organized under and operates pursuant to Tribal law.  As an economic arm of the Tribe, the Company shares the Tribe’s sovereign immunity and, therefore, is not subject to state enforcement actions or licensing.   The Fort Belknap Indian Community is a federally recognized Indian tribe and a sovereign nation, as expressly recognized under federal law.  See 75 Fed.Reg 60,810,60,811.  As such Green Trust Cash, LLC, conducts business under all principles of applicable Federal financial consumer laws and the laws of the Fort Belknap Tribe.   We diligently work with our consumers to resolve any inquiries and issues that have been brought to our attention in a timely manner.  Our review identified no wrongdoing and procedurally our process and scripts were followed as trained.   We do appreciate the opportunity to respond to Ms. [redacted]’s complaint and we take all complaints very seriously and utilize them to self-evaluate our own internal processes to ensure we are doing what is necessary to follow the applicable principles of Federal financial consumer law and make the consumer experience pleasant and informative.    Regardless of our position, we understand everyone experiences some financial challenges from time to time and as a gesture of goodwill, we will settle Ms.  [redacted]’s loan for what has been paid.  In addition, unless told otherwise in writing by Ms.  [redacted] we will block her identifying information in our system to ensure no applications are received in the future.   Thank you for your time and attention, if we can be of any further assistance feel free to contact us at your earliest convenience.     Sincerely,   Green Trust Cash

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.
Sincerely,
[redacted]

[redacted] Revdex.com Complaint [redacted]
Our investigation revealed that all aspects and disclosures were discussed with Mr. [redacted] during the loan origination process.  The recording of the conversation with Mr. [redacted] clearly states he was informed that he should read the contract...

before signing and maintain a copy for his records.  Furthermore, all aspects of the loan and payment schedules were reviewed as required including the fact that this is an expensive form of borrowing, that the payment schedule was a schedule of minimum payments, and that we encourage customers make additional payments to save on charges, and that the customer controls how much they can save by paying off early and in what amount. 
We have found no wrong doing relating to our loan origination practice and procedurally our process and scripts were followed as trained and we did not identify anything that was or was not communicated to Mr. [redacted] as intended.
We do appreciate the opportunity to respond to Mr. [redacted]’s complaint and we take all complaints very seriously and utilize them to self-evaluate our own internal processes to ensure we are doing what is necessary to follow the applicable principles of Federal financial consumer law and make the consumer experience pleasant and informative. 
Taking all of the above into consideration we understand that everyone experiences financial hardships from time to time, and irrespective of our position as a gesture of goodwill we will waive the remaining fees and settle the balance with Mr. [redacted]’s loan for principal only. Per a review of Mr. [redacted]’s file these arrangements have been made. 
At Green Trust Cash we want every customer experience to be a positive experience, and try to ensure we address the customer’s questions and understanding of the product.
 
If we can be of any further assistance regarding this matter please contact us at your earliest convenience.

[redacted] Revdex.com Complaint [redacted]     It is always disappointing when a customer is dissatisfied with our service or there is a misunderstanding between a borrower and a representative.    Upon receipt of this complaint, we immediately began an investigation of Ms. [redacted]’s...

account to ensure procedurally we followed our prescribed protocol. Please note that the contract signed by Ms. [redacted] documents the disclosures as required by the principles of applicable Federal financial consumer law, which includes the APR and a detailed payment schedule, and a disclaimer stating that this is an expensive form of borrowing which was communicated to Ms. [redacted] during the underwriting process.    In addition, to ensure full disclosure our representative reviewed these aspects of the contract with Ms. [redacted] during the underwriting process including but not limited to the repayment schedule which is illustrated in the contract and summarized in the Truth In Lending statements.  This information is also provided to the consumer post funding in the form of an email documenting what was discussed and how the transaction works.    To be clear our investigation revealed that all aspects and disclosures were discussed with Ms. [redacted] including the fact that this is an expensive form of borrowing, that the payment schedule was a schedule of minimum payments, and that we encourage customers make additional payments to save on charges, and that the customer controls how much they can save by paying off early and in what amount.  Also, note our privacy policy is provided to each borrower and is available for review on our website.  Our privacy policy documents our sharing of information and the mechanism for opting out of certain sharing.  That being said please note no sharing of Ms. [redacted]’s information took place per a review of our records.   Our review found no wrong doing and procedurally our process and scripts were followed as trained and we did not identify anything that was or was not communicated to Ms. [redacted] as intended.    We do appreciate the opportunity to respond to Ms. [redacted]’s complaint and we take all complaints very seriously and utilize them to self-evaluate our own internal processes to ensure we are doing what is necessary to follow the applicable principles of Federal financial consumer law and make the consumer experience pleasant and informative.    Regardless of our position, we understand everyone experiences some financial challenges from time to time and as a gesture of goodwill, we will settle Ms. [redacted] loan for what has been paid.  In addition, unless told otherwise in writing by Ms. [redacted] we will block her identifying information in our system to ensure no applications are received in the future.   Thank you for your time and attention, if we can be of any further assistance feel free to contact us at your earliest convenience.     Sincerely,   Green Trust Cash

It is always very concerning when a returning customer posts a complaint of this nature, and we take this matter very seriously.  Within 24 hours of receiving this complaint we opened an investigation:
Our investigation revealed that all aspects and disclosures were discussed with [redacted]...

during the loan origination process.  The recording of the conversation with [redacted] clearly states she was informed that she should read the contract before signing and maintain a copy for his records.  Furthermore, all aspects of the loan and payment schedules were reviewed as required including the fact that this is an expensive form of borrowing, that the payment schedule was a schedule of minimum payments, and that we encourage customers make additional payments to save on charges, and that the customer controls how much they can save by paying off early and in what amount. 
We have found no wrong doing relating to our loan origination practice and procedurally our process and scripts were followed as trained and we did not identify anything that was or was not communicated to [redacted] as intended.
However, we have noted some issues and identified training opportunities and room for improvement in the handling of subsequent calls by [redacted] regarding her account.  The customer service provided was not to our standards and will be addressed.
We do appreciate the opportunity to respond to [redacted]’s complaint and we take all complaints very seriously and utilize them to self-evaluate our own internal processes to ensure we are doing what is necessary to follow the applicable principles of Federal financial consumer law and make the consumer experience pleasant and informative.  We apologize for the later, and measures have already been taken to address and conduct follow up training with our representatives.
Taking all of the above into consideration we understand that everyone experiences financial hardships from time to time, and irrespective of our position that all aspects of the loan were disclosed and communicated the customer service provided was not up to Green Trust Cash standards and as a gesture of goodwill we will waive the remaining fees and principal and consider [redacted]’s balance paid in full.  A Customer Service Representative will be contacting [redacted] to communicate this directly to her, and a subsequent email sent confirming the same. 
 
At Green Trust Cash we want every customer experience to be a positive experience, and try to ensure we address the customer’s questions and understanding of the product.
 
If we can be of any further assistance regarding this matter please contact us at your earliest convenience.