Lendmark Financial Services

ID# [redacted] I am writing this in regards to a complaint that was made on our company regarding [redacted] *** Just as Lyzzi explained to the customer insurance does not cover rollators A rollator is a walker with a seat, hand brakes, four wheels, a back, and a bag under the seat All her insurance pays for is a folding wheeled walker which the allowable is $and then we add a seat which is $ The total cost, our cost is way more than what the insurance pays for which is why if you want a rollator there is a out of pocket expense We sell a lot of products that insurance does not pay for such as lift chairs When it comes to being upset about the situation I can understand her frustration completely but we can only provide a customer with what insurance pays for That being said we have been in business since and since this time the allowables that insurance pays for keeps going down every year while the cost of the equipment is constantly going up If she would like to make a complaint she would better off writing her local congressman about what Medicare does and does not pay for If you have any more questions feel free to contact me Thanks, David [redacted] (832) 445-ext

I mention [redacted] because [redacted] sets the standards and allowables for the other insurances If you would like we will reimburse your insurance for the walker and seat that we billed for and refund your $dollars since you feel like we didn't treat you fairly This way you can go to another provider that will treat you more fair My suggestion is find another provider first before you do that and see what their upgrade charge is going to be for a rollator other wise you will be in this same situation again Come and ask for me, David and I will be more than happy to let you go some where else We take pride on treating each and every customer fair and are looked upon highly in our community If you would like to use someone else just call me before you come by so I can let Lyzzi and Mark up front know what is going on I do apologize for the bad experience you had with our company and wish you wouldn't have had it David [redacted] (832) 445-ext

Revdex.com spoke with the businessThe details of the account were explained to the customer and it has been paid off at this time

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint [Provide details of why you are not satisfied with this resolution.] Regards, Please remind them that I was not alone and have someone that can verify that Lyzzy never told us that my insurance company did not pay for Rollator WalkersI was not on the call when coverage was verify so I will not say what they told her because I don't know, but what I do know is if she had told me I would have left immediately, because I had contacted the insurance a couple of days earlier and they are the ones who sent me to them because of my zip codei never would have thought that they had authority to fill a prescription with anything other than what has been prescribed by my doctorDid they tell the insurance when they called to verify " I know you are telling me you don't cover Rollator Walkers but I'm going to fill this prescription with something else and charge you for something that you do cover" I don't think so I do not have Medicare and have no idea what complaining to congress about Medicare will do for meI have private insurance that I pays premiums for every monthI am not asking them for anything free, I pay insurance premiums so that when I file claims my out of pocket cost is at a minimumI will be glad to send a copy of my invoice where Lyzzy wrote I was charge the $75.00, not because my insurance would not pay for Rollator Walkers but because she did not have codes to bill the insuranceThe insurance company has spoken to someone there and is waiting for the claimThe lady at the insurance company that I spoke to said the amount they gave her over the phone is not what is on my invoiceI have a copy of my prescription and can get an explanation of benefits as soon as it is processed through my insurance companyAs my prescription stated I am battling CancerI am not looking for another fightThis is so sad that I have to spend some of the little time that I have left fighting to be treated fairly but if it will help the Cancer patient coming behind me it will all be worth it

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I find the offer so unacceptableThe use of my daughters' credit card without permission is totally wrong.! There is a legal issue here and to be taken advantage of by their deceptive practices is a sad situationI am forwarding documents showing the outrageous interest charges
An acceptable settlement, without an attorney, would be $credit toward the account and an adjustment of 50% reduction in current and future payments of interest

Dear*** ***:January 13, 2015I am responding to your letter to the Revdex.com "Revdex.com" dated January 6, 2015. Your loan is interest bearing which means that interest calculates daily on the unpaid principal balanceBased on your signed note,
you agreed to pay payments of $by the 20th of every monthAccording to our account notes and payment history, you have made sporadic payments over the life of the loan that has resulted in extra interest and late fees accruing on your outstanding balanceIf you do not make your regularly scheduled payments on time every month additional interest continues to accrueAt your request, to assist you through a hardship, Lend mark temporarily reduced your payment to $for a period of timeOn February 20, 2012, your payment was revised back to the original amount of $It is your responsibility to continue to make your contractual monthly payment until your loan is paid in full.The account is reporting accurately and correctly, if you'd like to make payment arrangements for the late fees and interest arrearages, please contact *** ***, our AVP over Administrative Operations at ***I have also *** a copy of your note and pay history for your reviewI trust my response has clarified the issues you brought forth in your complaintIf you need anything further, please do not hesitate to contact me directly

I have reviewed the Customer statement that was recently sent to
Lenmark on behalf of *** *** *** and would like to respond to her concerns
*** *** loan is a “simple interest” loan which calculate
interest daily on a day cycleIf she does not pay on
time every month,
additional interest continues to accrue and if only a contractual payment is
made, the loan will become “interest short”There will be no further principal
reduction to the outstanding balance until this additional interest has been
paid** *** loan is reporting up to date with principal reduction at the current
timeIt is important that she continues to pay on time every month, so as to avoid
this interest short situationIn an effect to assist ** *** with the service
fees that she was assessed, Lenmark will waive the $non-sufficient funds
fee and refunded $to cover banking feesWe hope this gesture of good
will alleviates the financial burden that ** *** has experienced
If ** *** would like to discuss her account further, please have
her contact our Administrative AVP, *** *** at ***
I trust my response will resolve this matter and if you need anything
further, please do not hesitate to contact me
*** ***

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
The reason im disputing  because the arrangements that the Lendmark is asking is not for the amount I feel I owe, they have called my employer after I have ask them not to do so, I have a payment history (which I received from the secretary) that has Amortize fees, I was not aware of a interest bearing account it was not explained to me I was simply going by contract which is attached, I did make partial payments for a couple of months but It doesn't amount to 3,171.17 that they are asking me to make arrangements for.

Review: An employee authorized a debit to my daughters' debit card on my account creating an overdraft situation that resulted in fees of $95.00, plus $15.00 return fee to Lendmark Financial plus their late fee charges. There was no permission for this debit to my daughters' account. They said I had authorized the debit but I absolutely would not do that and they know the truth. No apology, no credit the fees back. Also I have paid over $700.00 in the last month. We are current and yet when I paid them $180.00 on May 30, 2014 only $41.00 was applied to principal. A previous payment of $402.00 only credited $35.58. This to me is unethical business practice and causing undue stress to me. I am medically deemed with major depressive disorder and this has been a nightmare!Desired Settlement: There should be penalties for actions like this as well as controls on these outrageous interest charges.

Business

Response:

I have reviewed the Customer statement that was recently sent to

Lenmark on behalf of [redacted] and would like to respond to her concerns.

[redacted] loan is a “simple interest” loan which calculate

interest daily on a 30 day cycle. If she does not pay on time every month,

additional interest continues to accrue and if only a contractual payment is

made, the loan will become “interest short”. There will be no further principal

reduction to the outstanding balance until this additional interest has been

paid. [redacted] loan is reporting up to date with principal reduction at the current

time. It is important that she continues to pay on time every month, so as to avoid

this interest short situation. In an effect to assist [redacted] with the service

fees that she was assessed, Lenmark will waive the $15.00 non-sufficient funds

fee and refunded $95.00 to cover banking fees. We hope this gesture of good

will alleviates the financial burden that [redacted] has experienced.

If [redacted] would like to discuss her account further, please have

her contact our Administrative AVP, [redacted] at [redacted].

I trust my response will resolve this matter and if you need anything

further, please do not hesitate to contact me.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I find the offer so unacceptable. The use of my daughters' credit card without permission is totally wrong.! There is a legal issue here and to be taken advantage of by their deceptive practices is a sad situation. I am forwarding documents showing the outrageous interest charges.

An acceptable settlement, without an attorney, would be $1500.00 credit toward the account and an adjustment of 50% reduction in current and future payments of interest.

Review: My contract was suppose to end 10-20-2014 but they are saying i

I still owe 3245.00 due to being late, this contact started October 2010 with 4101.25 finance charges 4840.19 amount financed annual interest @34.074 for 48 payments @186.28 per month. This can't be correct, but they will keep calling asking for a payment I would rather settle in court before I continue to pay 3245.00, that's another 17 months in payments only if I'm on time, my payments are never over 30 days late, this is unfair and to me unlawful.Desired Settlement: I am willing to pay late fees but 3245.00 is a too much, I need a reasonable payoff amount, so I can finally be done with this loan and this company!

Business

Response:

Dear[redacted]:January 13, 2015I am responding to your letter to the Revdex.com "Revdex.com" dated January 6, 2015. Your loan is interest bearing which means that interest calculates daily on the unpaid principal balance. Based on your signed note, you agreed to pay 48 payments of $186.28 by the 20th of every month. According to our account notes and payment history, you have made sporadic payments over the life of the loan that has resulted in extra interest and late fees accruing on your outstanding balance. If you do not make your regularly scheduled payments on time every month additional interest continues to accrue. At your request, to assist you through a hardship, Lend mark temporarily reduced your payment to $100.00 for a period of time. On February 20, 2012, your payment was revised back to the original amount of $186.28. It is your responsibility to continue to make your contractual monthly payment until your loan is paid in full.The account is reporting accurately and correctly, if you'd like to make payment arrangements for the late fees and interest arrearages, please contact [redacted], our AVP over Administrative Operations at [redacted]. I have also [redacted] a copy of your note and pay history for your review. I trust my response has clarified the issues you brought forth in your complaint. If you need anything further, please do not hesitate to contact me directly.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

The reason im disputing because the arrangements that the Lendmark is asking is not for the amount I feel I owe, they have called my employer after I have ask them not to do so, I have a payment history (which I received from the secretary) that has Amortize fees, I was not aware of a interest bearing account it was not explained to me I was simply going by contract which is attached, I did make partial payments for a couple of months but It doesn't amount to 3,171.17 that they are asking me to make arrangements for.

Review: I asked Lendmark Financial to give me a document that clearly states what I have paid on the interest of my loan and what interest I have left. They sent documents with plenty of unnecessary information, but nothing on what I need to know.Desired Settlement: I want Lendmark Financial to send me information stating exactly what I have paid on the interest of my loan and what I have left to pay and that's all I want.

Business

Response:

Dear [redacted],

I'm responding to the complaint by [redacted] pertaining to how her interest is calculated on her loan. [redacted] has an interest bearing loan where interest is calculated daily on her outstanding balance. Per the terms of her signed loan agreement, [redacted] agreed to pay her contractual monthly payment every 30-days with a due date on the 2nd of each month. If [redacted] doesn't make her payment on the 2nd of each month, additional interest will accrue until a contractual payment is made. This additional interest will be extracted from the payment made. Since her loan agreement was predicated on a 30-day cycle, making a payment after the 30 days will result in additional interest be charged to [redacted]. Over the last four payments that [redacted] has paid they've been in intervals of 38, 47, 38, and 28 days, respectively. Please see the breakdown below.

Date of Loan 5/24/13 Contractual Payment $[redacted] Amount Financed $[redacted]

Date Payment Interest Due Principal Balance Days Between Payments

7/2/13 $[redacted] 38

8/19/13 $[redacted] 47

9/27/13 $[redacted] 38

10/25/13 $[redacted] 28

The account is reporting accurately per the terms of the loan agreement. I would recommend that [redacted] pay on her contractual due date every month to minimize and/or elimate any additional interest that may accrue. I trust that this response answers the complaint brought forth. If I can be of any further assistance, please do not hesitate to contact me directly.

Sincerely,

Chief Administrative Officer

Review: keep getting letters saying I am approved for 2999.00 I have apply and was turn down due to my bankruptcy that said it had to be discharged for 2 years but this isn't stated in their application or in the letters they keep sending me I ask if I was denied credit why do they keep sending me letters telling me I am approved this is false advert and I keep getting letters about every 2-3 months I feel if you are denied the letters need to stop as they are don't nothing but lying to me and messing me getting my credit scores up they need to stop sending these lettersDesired Settlement: they need to be held responsible by not putting the proper information in their letters and tell people 2 yrs if you had a bankruptcy for sending false papers out and causing peoples credit scores to be affect by their action

Business

Response:

The following is a response of the Revdex.com complaint received from customer [redacted] case # [redacted]: The letter sent to Ms. [redacted] was an Invitation to Apply for a line of credit with our company. Ms. [redacted] applied for a installment loan with our company. The invitation letter is not a guarantee, only an invite to apply and states so in the letter. We were unable to approve the request for the applicant. Ms. [redacted]'s name has been submitted to be removed from our marketing list and any other solicitation should cease after completion. [redacted]Branch ManagerLendmark Financial Services

Review: The company keeps harassing me with threatening phone calls even after I make my payments on time according to the new contract. For example the latest complaint was when my payment was due on 10/25 and I went into the office to make a payment and they called me the next day stating that I never came into the office. The phone calls are still coming to this day stating that I have not made any payments.Desired Settlement: I would like for this company to stop contacting me.

Review: I contacted Lendmark Financial Services located in [redacted], MD with a business telephone number of [redacted]. I was calling to discuss the recent "court action" that was entered in the Maryland Judiciary System against me for non-payment. I do admit that I was late making 1 payment for 229.31 by a couple of days but no more than 25 days late and now they are suing me for the balance of 7, 284.99. A representative for Lendmark Financial Services answered my call and transferred me to a [redacted] to assist me wrh my account.

[redacted] initiate the contact with " I am the one that sent you to collections because at the time you were a couple of days late and you only had a five day grace period and no one could contact you, so I contacted the lawyers to inititiate a wage garnishment". I said to [redacted] are you serious I was not late for no more than 25 days and you are ready to garnish my check for this. This is not fair.. she began yelling further that in a way that I thought was unprofessional to me as a customer that needed clarification of why I was being targeted for being late.

She said that she indeed made a mistake but it is too late to contact the Lawyers office because they are now closed so she can help me buy having me to signing some forms. I told her why would I sign any forms when my account is current. She said you need to sign the "dam forms" in a penetrating tone and then hung up the phone.

I calmly called the business line back to find out what representative hung up on me while I was discussing my account. The person that answered the phone said her name was "[redacted], Manager of this branch office and she admitted to hanging up the phone because I was not listening to her she said. I asked her if she could tell me her name and she began yelling her name to me in a fashion that I know and she knows that is unacceptable for me to write down, so I asked her to say it and spell it so that I can identify the angry employee. Once I receive the correct spelling of [redacted] name I implied to her that this is very wrong and unacceptable to me as a customer. [redacted] began to say look he cannot even spell my last name in a joking and hilarious manner. I told her that you are wrong and I will contact the Revdex.com and report this nonsense.Desired Settlement: I would like to make my payments at another branch and have my name removed from a judge ment being entered when I am rpast due for a payment.

I also would like my account to be transferred to another branch within Lendmark.