Dear Ms [redacted] , As a furnisher of information to consumer credit reporting agencies, Balboa is obligated to report information accuratelyAlthough, we have no reasonable cause to believe that the information is inaccurate and in an act of good will we will honor your request and remove the three (3) delinquencies that appear on account ending in In the process of correction of the delinquency marks you will have to dispute them through the credit bureausPlease contact me if any assistance is requiredMs [redacted] I do apologize for any inconvenience this may have created for you and hope you find this as a resolve to this matterAgain, Balboa does thank you for your patronage, and we hope that you will continue to give us the opportunity to serve you.If you have any other concerns regarding your accounts I can be contacted at [redacted] Compliance Officer
Dear Ms. [redacted] , We have received your complaint from the RevDex.com filed by you, Ms. [redacted] , and have reviewed the issues relating to Balboa Thrift and Loan. Thank you for notifying us of your complaint. We strive to provide you with the best possible service, and when you... feel that it fails to meet your expectations, it’s important for us to know. We do appreciate your efforts in keeping Balboa informed regarding your payments on your account. In order to attain a clear assessment of your complaint a thorough review of your account details was performed. It appears the fee that is in dispute is a $50.00 field call fee. A field call is a visitation to the account owner’s address. It is requested when an account reaches a delinquency status of 25 days and no communication has been established with the customer within this period of time. The request is made to a third party. Fees are accessed to the loan in the amount of $50.00 per attempt. The field call request was submitted on 1/22/2016 at 3:28pm. We attempted to contact you on; 1/23/2016 at 9:02am by telephone as well as by email. On 1/25/2016 at 9:47am we were in receipt of a voicemail left by you Ms. [redacted] . At this time we attempted to contact the agency to cancel the field call request but had been informed that the field call had already taken place on 1/23/2016 at 3:26pm. In regards to the loan charges on your billing statement. Balboa did receive your payment on 2/12/2016 and the residual amount of $9.00from your payment was applied to the field call fee as well as your payment made on 3/22/2016 had a residual amount of $2.12 reducing your field call fee to $38.88, which was reflected on your billing statement. In an attempt to settle this matter we have waived the $50.00 as well as moved your account to a do not call status. Ms. [redacted] I do apologize for any inconvenience this may have created for you. I would like to thank you for addressing this issue with Balboa and giving us the opportunity to respond to you. Your patronage is important to us, and we hope that you will continue to give us opportunities to serve you.If you have any other concerns regarding your accounts please contact me at [redacted] . Sincerely, [redacted]
Revdex.com:
I have reviewed the response 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
Is there anything that can be done to provide a courtesy adjustment and remove these late payments?
Regards,
*** ***
Dear Ms. [redacted], As a furnisher of information to consumer credit reporting agencies, Balboa is obligated to report information accurately. Although, we have no reasonable cause to believe that the information is inaccurate and in an act of good will we will honor your request and remove the three (3) delinquencies that appear on account ending in 607. In the process of correction of the delinquency marks you will have to dispute them through the credit bureaus. Please contact me if any assistance is required. Ms. [redacted] I do apologize for any inconvenience this may have created for you and hope you find this as a resolve to this matter. Again, Balboa does thank you for your patronage, and we hope that you will continue to give us the opportunity to serve you.If you have any other concerns regarding your accounts I can be contacted at [redacted]
[redacted]Compliance Officer
Dear Ms. [redacted], We have received your complaint from the Revdex.com filed by you, Ms. [redacted], and have reviewed the issues relating to Balboa Thrift and Loan. Thank you for notifying us of your complaint. We strive to provide you with the best possible service, and when you...
feel that it fails to meet your expectations, it’s important for us to know. We do appreciate your efforts in keeping Balboa informed regarding your payments on your account. In order to attain a clear assessment of your complaint a thorough review of your account details was performed. It appears the fee that is in dispute is a $50.00 field call fee. A field call is a visitation to the account owner’s address. It is requested when an account reaches a delinquency status of 25 days and no communication has been established with the customer within this period of time. The request is made to a third party. Fees are accessed to the loan in the amount of $50.00 per attempt. The field call request was submitted on 1/22/2016 at 3:28pm. We attempted to contact you on; 1/23/2016 at 9:02am by telephone as well as by email. On 1/25/2016 at 9:47am we were in receipt of a voicemail left by you Ms. [redacted]. At this time we attempted to contact the agency to cancel the field call request but had been informed that the field call had already taken place on 1/23/2016 at 3:26pm. In regards to the loan charges on your billing statement. Balboa did receive your payment on 2/12/2016 and the residual amount of $9.00from your payment was applied to the field call fee as well as your payment made on 3/22/2016 had a residual amount of $2.12 reducing your field call fee to $38.88, which was reflected on your billing statement. In an attempt to settle this matter we have waived the $50.00 as well as moved your account to a do not call status. Ms. [redacted] I do apologize for any inconvenience this may have created for you. I would like to thank you for addressing this issue with Balboa and giving us the opportunity to respond to you. Your patronage is important to us, and we hope that you will continue to give us opportunities to serve you.If you have any other concerns regarding your accounts please contact me at [redacted]. Sincerely,[redacted]
Dear Ms. [redacted], We have received your complaint from the Revdex.com filed by you, Ms. [redacted], and have reviewed the issues relating to Balboa Thrift and Loan. We strive to provide you with the best possible service, and when you feel that it fails to meet your expectations, it’s...
important for us to know. We do appreciate your efforts in keeping Balboa informed regarding your payments on your account. In order to attain a clear assessment of your complaint a thorough review of both of your account detail was performed. Referring to account number ending in 607; Opened on 6/21/2012 had a due date of the 28th. We validated the 30 day delinquencies in question. For 12/2013, November payment was received on 31st day. For 1/2014, December payment was received on the 32nd day. For 4/2014, March payment was received on the 32nd day. On 7/17/2014 we refinanced loan ending in 607 and opened loan ending in 406, waving $197.38 in late charges. For 11/2014, October payment was received on the 31st. day. For 12/2014, November payment was received on the 30th day. For 1/2015, December payment was received on the 40th day. For 2/2015, January payment was received on the 39th day. For 6/2015, May payment was received 30th day. For 7/2015, June payment was received on the 30th day. For 9/15, August payment was received on the 31st day. For 11/15, October payment was received on the 31st day. A complete detail of your account will be provided at your request. Ms. [redacted] I do apologize for any inconvenience this may have created for you. I would like to thank you for addressing this issue with Balboa and giving us the opportunity to respond to you. Your patronage is important to us, and we hope that you will continue to give us the opportunity to serve you.If you have any other concerns regarding your accounts I can be contacted at [redacted] Sincerely,[redacted]Compliance Officer
Dear Ms [redacted] , As a furnisher of information to consumer credit reporting agencies, Balboa is obligated to report information accuratelyAlthough, we have no reasonable cause to believe that the information is inaccurate and in an act of good will we will honor your request and remove the three (3) delinquencies that appear on account ending in In the process of correction of the delinquency marks you will have to dispute them through the credit bureausPlease contact me if any assistance is requiredMs [redacted] I do apologize for any inconvenience this may have created for you and hope you find this as a resolve to this matterAgain, Balboa does thank you for your patronage, and we hope that you will continue to give us the opportunity to serve you.If you have any other concerns regarding your accounts I can be contacted at [redacted] Compliance Officer
Dear Ms. [redacted] , We have received your complaint from the RevDex.com filed by you, Ms. [redacted] , and have reviewed the issues relating to Balboa Thrift and Loan. Thank you for notifying us of your complaint. We strive to provide you with the best possible service, and when you... feel that it fails to meet your expectations, it’s important for us to know. We do appreciate your efforts in keeping Balboa informed regarding your payments on your account. In order to attain a clear assessment of your complaint a thorough review of your account details was performed. It appears the fee that is in dispute is a $50.00 field call fee. A field call is a visitation to the account owner’s address. It is requested when an account reaches a delinquency status of 25 days and no communication has been established with the customer within this period of time. The request is made to a third party. Fees are accessed to the loan in the amount of $50.00 per attempt. The field call request was submitted on 1/22/2016 at 3:28pm. We attempted to contact you on; 1/23/2016 at 9:02am by telephone as well as by email. On 1/25/2016 at 9:47am we were in receipt of a voicemail left by you Ms. [redacted] . At this time we attempted to contact the agency to cancel the field call request but had been informed that the field call had already taken place on 1/23/2016 at 3:26pm. In regards to the loan charges on your billing statement. Balboa did receive your payment on 2/12/2016 and the residual amount of $9.00from your payment was applied to the field call fee as well as your payment made on 3/22/2016 had a residual amount of $2.12 reducing your field call fee to $38.88, which was reflected on your billing statement. In an attempt to settle this matter we have waived the $50.00 as well as moved your account to a do not call status. Ms. [redacted] I do apologize for any inconvenience this may have created for you. I would like to thank you for addressing this issue with Balboa and giving us the opportunity to respond to you. Your patronage is important to us, and we hope that you will continue to give us opportunities to serve you.If you have any other concerns regarding your accounts please contact me at [redacted] . Sincerely, [redacted]
Revdex.com:
I have reviewed the response 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
Is there anything that can be done to provide a courtesy adjustment and remove these late payments?
Regards,
*** ***
Dear Ms. [redacted], As a furnisher of information to consumer credit reporting agencies, Balboa is obligated to report information accurately. Although, we have no reasonable cause to believe that the information is inaccurate and in an act of good will we will honor your request and remove the three (3) delinquencies that appear on account ending in 607. In the process of correction of the delinquency marks you will have to dispute them through the credit bureaus. Please contact me if any assistance is required. Ms. [redacted] I do apologize for any inconvenience this may have created for you and hope you find this as a resolve to this matter. Again, Balboa does thank you for your patronage, and we hope that you will continue to give us the opportunity to serve you.If you have any other concerns regarding your accounts I can be contacted at [redacted]
[redacted]Compliance Officer
Dear Ms. [redacted], We have received your complaint from the Revdex.com filed by you, Ms. [redacted], and have reviewed the issues relating to Balboa Thrift and Loan. Thank you for notifying us of your complaint. We strive to provide you with the best possible service, and when you...
feel that it fails to meet your expectations, it’s important for us to know. We do appreciate your efforts in keeping Balboa informed regarding your payments on your account. In order to attain a clear assessment of your complaint a thorough review of your account details was performed. It appears the fee that is in dispute is a $50.00 field call fee. A field call is a visitation to the account owner’s address. It is requested when an account reaches a delinquency status of 25 days and no communication has been established with the customer within this period of time. The request is made to a third party. Fees are accessed to the loan in the amount of $50.00 per attempt. The field call request was submitted on 1/22/2016 at 3:28pm. We attempted to contact you on; 1/23/2016 at 9:02am by telephone as well as by email. On 1/25/2016 at 9:47am we were in receipt of a voicemail left by you Ms. [redacted]. At this time we attempted to contact the agency to cancel the field call request but had been informed that the field call had already taken place on 1/23/2016 at 3:26pm. In regards to the loan charges on your billing statement. Balboa did receive your payment on 2/12/2016 and the residual amount of $9.00from your payment was applied to the field call fee as well as your payment made on 3/22/2016 had a residual amount of $2.12 reducing your field call fee to $38.88, which was reflected on your billing statement. In an attempt to settle this matter we have waived the $50.00 as well as moved your account to a do not call status. Ms. [redacted] I do apologize for any inconvenience this may have created for you. I would like to thank you for addressing this issue with Balboa and giving us the opportunity to respond to you. Your patronage is important to us, and we hope that you will continue to give us opportunities to serve you.If you have any other concerns regarding your accounts please contact me at [redacted]. Sincerely,[redacted]
Dear Ms. [redacted], We have received your complaint from the Revdex.com filed by you, Ms. [redacted], and have reviewed the issues relating to Balboa Thrift and Loan. We strive to provide you with the best possible service, and when you feel that it fails to meet your expectations, it’s...
important for us to know. We do appreciate your efforts in keeping Balboa informed regarding your payments on your account. In order to attain a clear assessment of your complaint a thorough review of both of your account detail was performed. Referring to account number ending in 607; Opened on 6/21/2012 had a due date of the 28th. We validated the 30 day delinquencies in question. For 12/2013, November payment was received on 31st day. For 1/2014, December payment was received on the 32nd day. For 4/2014, March payment was received on the 32nd day. On 7/17/2014 we refinanced loan ending in 607 and opened loan ending in 406, waving $197.38 in late charges. For 11/2014, October payment was received on the 31st. day. For 12/2014, November payment was received on the 30th day. For 1/2015, December payment was received on the 40th day. For 2/2015, January payment was received on the 39th day. For 6/2015, May payment was received 30th day. For 7/2015, June payment was received on the 30th day. For 9/15, August payment was received on the 31st day. For 11/15, October payment was received on the 31st day. A complete detail of your account will be provided at your request. Ms. [redacted] I do apologize for any inconvenience this may have created for you. I would like to thank you for addressing this issue with Balboa and giving us the opportunity to respond to you. Your patronage is important to us, and we hope that you will continue to give us the opportunity to serve you.If you have any other concerns regarding your accounts I can be contacted at [redacted] Sincerely,[redacted]Compliance Officer