Dear *** ***:
I am writing in response to your correspondence dated March 5, 2015, regarding the above-referenced matterWe appreciate the role of your office in resolving consumer complaints and the opportunity to address *** ***’s concerns
Our records indicate that *** ***
initiated an open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on July 21, *** *** initially took an advance of $1,on that dateOur records indicate that additional withdrawals were taken on: August 7, 2014, in the amount of $51.00; August 23, 2014, in the amount of $51.41; November 23, 2014, in the amount of $100.00; and, December 14, 2014, in the amount of $The disclosures in the Line of Credit Agreement (“Agreement”) signed by *** *** explain how the interest and fees are calculated in each billing cycleUnder the Agreement, if *** *** were to pay back any advance within thirty days of taking it, he would pay no interest or finance charges on those advancesAs of today’s date, the balance of *** ***’s line of credit is $1,
*** ***’s complaint appears to be regarding the current balance of his line of credit, and he states that the terms of the loan were not adequately explained to himFor ease of reference, I have enclosed a copy of *** ***’s original July 21, 2014, AgreementAfter discussing *** ***’s concerns with First Virginia management, we have found that the employee that assisted *** *** followed First Virginia’s policies and did not give him any information as *** *** states in his complaintThe employee that assisted *** *** did review the Annual Percentage Rate (“APR”) for the line of credit and, at no time was *** *** advised that the APR did not apply to himThe employee that assisted *** *** reviewed the Agreement with him and explained that if *** *** were to pay back any advance within thirty days of taking it, he would pay no interest or finance charges on those advances
In addition, *** ***’s Agreement should answer any remaining questions that he might haveThe Agreement details how the minimum payment each month is calculated and how payments made by *** *** will be applied to his balance*** ***’s Agreement also states, “…You may, of course, pay more frequently, pay more than the Minimum Pay ment, or pay the New Balance in full… As this line of credit has a high interest rate, you are encouraged to pay as much as you can each month to reduce the amount you owe…”
In his complaint, *** *** goes on to further state that he has made $2,in payments on his line of credit; however, our records reflect that *** *** has only made payments totaling $1,If *** *** has made any additional payments for which he has not received credit, I welcome him to provide me with proof of any such payments so that we can research those payments further
As previously stated, as of today’s date, *** ***’s line of credit has a balance of $1,In his complaint, *** *** appears to be looking for a way to fully pay off his line of creditBecause First Virginia understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amountsAfter reviewing *** ***’s account, First Virginia has decided to waive a portion of the accumulated interest assessed to *** ***’ account balance solely as a courtesy to him because there is no evidence that First Virginia made any errors on his accountFirst Virginia is willing to settle *** ***’s account for the amount of $660.14, the remaining principal balance owed on his line of creditWe are doing this as an accommodation to *** *** and ask that he contact ***, the manager of the First Virginia retail branch where he obtained his loan, to make arrangements for payment of the remaining principal balance of his line of credit*** can be reached at ###-###-####If *** *** wishes to take advantage of this offer, we ask that he contact *** prior to March 31, to make these arrangementsWe hope that *** *** will take this opportunity to contact *** for assistance in paying off his line of credit
We sincerely hope that you find the response set forth above and the enclosed copy of *** ***’s signed Line of Credit Agreement acceptable in addressing both your and *** ***’s concerns
Sincerely,
*** ***
***This letter responds to your correspondence of February 27, 2015, regarding the above-referenced matterThank you for your efforts to mediate a resolution
Our records indicate that *** *** cashed a check payable to him and drawn on the account of *** *** * ***
*** at a California Check Cashing Stores, LLC (“CCCS”) branch location in *** *** ***, on February 12, The check was returned as an unpaid item on February 23, 2015, due to a stop payment placed on the checkThe account was subsequently paid in full on February 26,
In his complaint, *** *** expresses concern with a returned check charge he was assessed by CCCS, due to the check being returned with a stop payment order by the check maker’s financial institution*** *** goes on to further state that he feels harassed by telephone calls made to him by representatives of CCCS’ corporate collections department
According to our records, *** *** agreed to pay the returned check charge of $during a telephone call that he placed to CCCS’ corporate collections department on February 24, During this telephone call, *** *** stated he would pay the $fee on March 10, 2015; however, *** *** placed an additional call to CCCS’ corporate collections department on February 26, 2015, to advise CCCS that he had paid the $returned check charge that day at a CCCS branch location
*** *** also states that he felt harassed during telephone calls he received from CCCS’ corporate collections departmentWhen a customer presents any check for payment that returns as an unpaid item, it is CCCS’ standard procedure to contact the customer at the telephone numbers they have provided in an effort to make arrangements with them to pay the balance on their accountThis contact is made only after obtaining the borrower’s consent to contact them using the information that they provideTypically there is a combination of manual calls that are made by an internal collections associate in tandem with calls placed by an automated dialer systemWhen either method does not result in a conversation with our customer within a single 24-hour period, continued attempts are made to reach the customer
Our records indicate that no calls were placed to *** *** and that any conversations that occurred between him and representatives of CCCS’ corporate collections department were a result of inbound telephone calls placed by *** *** to CCCS’ corporate office
At this time, I would like to take this opportunity to thank *** *** for resolving his account balance in such an expeditious manner, and I’d also like apologize to him for his experience and for any negative treatment that he feels might have received from any corporate or retail representative of CCCSCCCS values all of its customers, and we look forward to serving *** ***’s future financial needs
I sincerely hope that I have been able to address both *** ***’s and your concernsShould you have any questions, please feel free to contact me
Sincerely, *** ***
*** *** *** *** *** *** *** ** *** *** *** *** *** *** *** ** *** *** *** *** *** *** * *** *** *** *** *** This responds to your correspondence of December 23, 2014, regarding the above-referenced matterWe appreciate the role of
your office in resolving consumer complaints and the opportunity to address *** ***’ concerns
According to our records, *** *** sought the assistance of Buckeye Credit Solutions, LLC (“CheckSmart”), an *** *** *** *** *** in obtaining a loan with *** *** *** *** ***), an Ohio Mortgage Loan Act licenseeOn November 17, 2014, *** *** borrowed $382.56, which includes an “Amount Financed” of $and a “Prepaid Finance Charge” of $*** ***’ loan is payable in two installment payments, detailed as follows:
December 17, $
January 21, $
Our records indicate that *** *** failed to make his payment of $on December 17, 2014, as agreed, and his account was referred to CheckSmart’s corporate collections department for his past due paymentOur records indicate that *** *** contacted CheckSmart’s corporate collections department on December 22, 2014, to advise he had made his missed paymentThe CheckSmart retail branch where *** *** made his payment also confirmed *** ***’ payment*** ***’ final payment of $remains due on January 21,
*** ***’ complaint, as I understand it, is that he feels he is being overcharged for his loan and requests that CheckSmart “waive additional charges” and allow him to pay off his loan “without being charged $more…” As previously stated, CheckSmart is simply the *** in this transaction, with *** as the lenderAs a courtesy to *** ***, I have reached out to NCP to discuss his complaint and, as a one-time courtesy to him, the lender has agreed to waive the remaining fee of $on his loanWith that in mind, *** ***’ final payment due on January 21, 2015, will be in the amount of $Please note that *** *** will be responsible for all fees outlined in the loan agreement for any future loans that loans that he obtains through CheckSmart
We’d like to take this opportunity to thank *** *** for bringing his complaint to our attentionCheckSmart values *** *** as a customer and we appreciate the type of feedback he has provided and the time that he has taken to document his concernsWe look forward to continuing to serve *** ***’ financial needs
I sincerely hope that the response set forth above provides a satisfactory resolution to this matterShould you have any additional questions, please feel free to contact me
Sincerely, *** ***
*** This responds to your correspondence of December 10, 2014, regarding the above-referenced matterWe appreciate the role of your office in resolving consumer complaints and the opportunity to address *** ***’s concerns
According to our records, *** *** sought the assistance
of Buckeye Credit Solutions, LLC (“CheckSmart”), an Ohio Credit Services Organization (“CSO”), in obtaining a loan with NCP Finance Ohio, LLC (“NCP”), an Ohio Mortgage Loan Act licenseeOn November 19, 2014, *** *** borrowed $1,020.16, which includes an “Amount Financed” of $and a “Prepaid Finance Charge” of $*** ***’s loan was payable in two installment payments, detailed as follows:
December 7, $
December 22, $
Our records indicate that *** ***’s payment due on December 7, 2014, in the amount of $121.02, was paid on December 10, As of today’s date, *** *** has an outstanding account balance in the amount of $
*** ***’s complaint, as I understand it, is regarding the treatment that he feels he and his wife received from employees of CheckSmart and the manner by which his loan transaction was handledFirst, please allow me to apologize to *** *** for any treatment that he or his wife received from any CheckSmart branch employee that they perceived to be unacceptableOur employees are trained to be professional and supervisors observe employees regularly to make sure that they are professionalAny employee who falls short of CheckSmart’s customer service expectations is counseled about appropriate behavior and, where called for, is reprimanded or terminated if they are unable to meet these expectations*** ***’s concerns regarding the levels of customer service he received have been reviewed with management and with the employees involved, and these particular employees have been reminded of CheckSmart’s commitment to customer service
*** *** specifically states in his complaint that, while trying to coordinate his first payment of his loan with representatives of the CheckSmart retail branch assisting him, he agreed to send via Western Union a money transfer to his wife, such that she would be able to make his first loan payment in person on his behalf* *** states that his wife was turned away by CheckSmart representatives without providing her with the money transferOur records indicate that the reason *** ***’s wife was unable to obtain the money transfer was because she was unable to provide the Money Control Transfer Number (“MCTN”) from Western Union that would allow her to retrieve the funds from the money transfer*** *** states that his wife returned to CheckSmart with the MCTN from Western Union to retrieve the money transfer and make payment on his loan; however, *** *** states that employees “refused to process” the money transfer with his wifeIn discussing *** ***’s concerns with the manager of the CheckSmart retail branch, it was determined that *** ***’s wife returned that day five minutes after branch employees closed for the dayRegardless, in an effort to assist *** *** and his wife, the employees allowed *** ***’s wife into the store to process the paymentUnfortunately, because the store was then “closed” and all operating systems had been shut down, the representatives were unable to process *** ***’s payment at that timeI do want to apologize to *** *** for the frustration and inconvenience that this situation caused him
In reviewing *** ***’s remaining complaint concerns, there appears to be some confusion regarding the type of loan product that he obtained on November 19, I have enclosed copies of *** ***’s “Credit Services Information Statement & Statement of Rights” and “Credit Services Agreement” that he signed with CheckSmart, as well as I have requested and have enclosed a copy of *** ***’s “Federal Truth-In-Lending Disclosures and Promissory Note” with NCP, dated November 19, The disclosures in these agreements that *** *** signed and with which he was provided copies of when he initiated his loan should clarify much of this for himAs the CSO that assisted *** *** in obtaining his loan with NCP, I have confirmed that CheckSmart did review and explain the terms of the NCP loan agreement with *** ***, as well as afforded him the opportunity to ask any questions that he might have had
As previously stated, *** *** still has an outstanding account balance in the amount of $Our records indicate that on December 27, 2014, *** *** contacted CheckSmart’s corporate collections department and made arrangements to pay his outstanding account balance in full on January 2, Our records do not indicate that any payment was received from *** *** at that time; however, because CheckSmart understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amountsAt this time, *** ***’s account has been put in a “Hold” status, meaning that collection efforts have been temporarily suspended on his accountWe are doing this as an accommodation to him and ask that he contact *** ***, a senior supervisor in our collections area, to make arrangements for payment of his outstanding account balance*** *** can be reached at ###-###-####, extension ####We ask that *** *** contact *** *** to make these arrangements by January 19, If we have not heard from him by that time, collection activity may resume on his account
I sincerely hope that the response set forth above provides a satisfactory resolution to this matterShould you have any additional questions, please feel free to contact me
Sincerely, *** *** *** ***
***This letter is in response to your correspondence dated December 29, 2014, and as referenced aboveThank you for bringing *** ***’s complaint to our attentionWe appreciate the role that the Revdex.com plays in mediating consumer complaints
Our records indicate that *** *** requested
a loan from California Check Cashing Stores, LLC (“CCCS”) on September 8, The loan had an agreed-upon repayment date of September 26, 2014, and he provided a check to pay the loan on that dateCCCS deposited the check as agreed; however, the check was subsequently returned as an unpaid item by *** ***’s financial institution on October 6, 2014, due to non-sufficient funds
*** ***’s complaint, as I understand it, is that the payment of his loan was not properly credited to his account balanceIn reviewing our records, I would like to start by offering *** *** an apology for what was clearly our errorOur records indicate that *** *** made payment of his account balance on December 3, 2014, and should have posted to his account on December 4, Due to an internal processing error, processing of *** ***’s payment, as well as the application of his payment to his account balance, was delayedUnfortunately, following receipt of *** ***’s payment, CCCS experienced an internal system error causing *** ***’s account to continue to appear unpaidI can confirm that, with the exception of a returned check fee assessed to *** ***’s account in the amount of $15.00, his account is paid in fullAs a courtesy to *** ***, I am waiving the $returned check fee assessed to him
In his complaint, *** *** also references “rude” treatment that he feels he received from a representative of CCCS’ corporate collections department when trying to resolve this matter with usI have taken this opportunity to listen to the recorded telephone call with *** *** that was captured by our call recording system and I would like to apologize to him for any mistreatment he believes that he received from our collections staffAfter listening to these calls, I’ve found that the representative who spoke to *** *** should have spoken to him in a more professional mannerPlease know that the telephone call in question has been reviewed with the CCCS corporate collections employees involved*** *** should know that the situation has also been reviewed with management and the conversation that occurred with him has been documentedThe employee that *** *** spoke with has been reminded of CCCS’ commitment to customer serviceIt is never CCCS’ intention to make any of our customers feel harassedAs such, we would like to again extend our apologies for any treatment that *** *** received that he perceived to be unacceptable
At this time, *** ***’s account is marked as being “Paid in Full”I’d like to again apologize to *** *** for any inconvenience and frustration this matter may have caused himWe value all of our customers and strive to make their interactions with CCCS positive ones
Should you have any further questions, please do not hesitate to contact me
Sincerely,
*** ***
*** *** *** *** *** *** *** ** *** *** *** *** *** *** *** *** *** *** *** *** *** *** * *** *** *** *** *** This letter responds to your correspondence of November 12, 2014, regarding the above-referenced matterWe thank you for
the opportunity to respond to *** ***’s concernsWe appreciate the role of your office in helping to resolve consumer complaints
According to our records, *** *** requested a single installment Auto Title Loan with Buckeye Title Loans, Inc(“Buckeye Title”) on October 24, The loan had an agreed-upon repayment date of October 31, *** *** failed to pay back the loan in full on that date and his account was referred to the corporate collections department of Buckeye Title
*** ***’s complaint, as I understand it, is regarding duplicate payment made on his accountLet me start by offering our most sincere apologies for what was clearly our errorAccording to his complaint, *** *** had set up payment arrangement with the Buckeye Title retail branch where he obtained his loan, prior to his loan having been referred to our corporate collections departmentAs a result, when a representative of the retail branch contacted Buckeye Title’s corporate office to inform us of his payment arrangement, there was not yet an account in *** ***’s name for the loan in questionOnce *** ***’s account was referred to Buckeye Title’s corporate collections department, because we were unable to reach and speak with *** *** directly, Buckeye Title initiated an Electronic Funds Transfer (“EFT”) using the account information he provided when he signed his loan agreement
I can confirm that an EFT payment was processed on *** ***’s account in the amount of $on November 6, 2014, despite having made previous payment arrangements directly with the Buckeye Title retail branch where he obtained his loanBecause of his previous payment arrangement with the Buckeye Title retail branch, a refund was issued to *** *** on November 14, 2014, in the amount of $(the amount of the original EFT payment processed by Buckeye Title’s corporate collections department and a $overdraft charge assessed by his financial institution)This refund was issued directly to *** ***’s bank account information on file
This situation is not our standard operating procedure, and is an extremely unusual occurrence; however, as a result of this situation, we will be able to improve our quality controls to prevent this from potentially happening to other customers
Again, we hope that *** *** will accept our apologies for this situation and know that Buckeye Title is committed to its customers and appreciates his business
If I can be of any further assistance, please let me know
Sincerely, *** ***
*** *** *** ***
*** *** *** *** *** *** **
*** *** *** ***
*** *** *** *** * *** *** *** *** *** ** *** *** *** ***
*** *** *** I am writing in follow up to Revdex.com complaint # ### for *** *** I wanted to confirm that a refund of $was issued to *** ***s bank account on Friday, 12/12/ This should fully resolve *** ***s complaint; however, if you or she needs anything further, please do not hesitate to contact me. Sincerely, *** ***
*** *** *** ***
*** *** ***
*** *** *** *** * *** ***
*** * ***
I am now faxing a voided check with the bank information so that the company can deposit the money into my account *** and routing number ***Regards *** ***
I am writing in reference to Revdex.com Complaint No*** filed by *** *** ***
In his complaint, *** *** states he “recently” became Power of Attorney for his mother, *** ***
First, in order to assist *** *** further, we ask that he provide Power of Attorney forms
documenting that he does, in fact, hold Power of Attorney for his mother *** and that we are authorized to discuss our customer’s account with him?
Unfortunately, because *** *** provided only limited information in his complaint, I am unable to determine the *** *** that is the basis of his complaintIf he could also provide *** ***’s mailing address, telephone number, and the last digits of her social security number, that will assist us in identifying the proper customer his complaint is regarding
Thank you in advance for your assistance in obtaining this documentation and informationI look forward to receiving this so that we can further assist *** ***
Sincerely, *** ***
Dear *** ***:
I am writing in response to your correspondence dated March 2, 2015, regarding the above-referenced matterWe appreciate the role of your office in resolving consumer complaints and the opportunity to address *** ***’s concerns
Our records indicate that *** ***
initiated an open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on October 14, *** *** initially took an advance of $on that same dateOur records indicate that *** ***’s Line of Credit is currently in a “Delinquent” status, as we have not yet received her minimum monthly payment for the month of FebruaryOur records indicate that the last payment that posted to *** ***’s Line of Credit was in the amount of $and posted to her account on January 16, The disclosures in the Line of Credit Agreement (“Agreement”) explain how the interest and fees are calculated in each billing cycleUnder the Agreement, if *** *** were to pay back any advance within thirty days of taking it, she would pay no interest or finance charges on the advance
The Agreement also states that the minimum payment is comprised of a portion of the outstanding balance, fees incurred and Finance Charges up to the billing cycle closing date, and that all payments received by First Virginia will be applied first to fees, if any, and then to the Finance ChargesPayments in excess of all fees and Finance Charges are applied to the outstanding balanceEach month *** *** is sent a statement that apprises her of the status of her line of credit, including the Finance Charges that have accrued and the minimum monthly payment requirements for her account
*** ***’s complaint, as I understand it, is regarding “automatic payments” that she set up at the time she initiated her Line of Credit; however, despite her efforts to cancel these “automatic payments”, *** *** states that payments have continued to be deducted from her account
In researching our records, First Virginia has not received any written request at its corporate office from *** *** stating that she wished to cancel the automatic payments made from her account; however, as a result of *** ***’s complaint with your office, as of today’s date we have opted *** *** out of any future automatic paymentsPlease understand that, in order to prevent *** ***’s account from moving into a “Default” status, she will be required to meet the minimum monthly payment requirements for her Line of Credit by making her future payments at a First Virginia branch location
I hope the response set forth has addressed *** ***’s concernsShould you have any questions or need additional information, please feel free to contact me
Sincerely,
*** ***
Good morningI had accepted a legal agreement with Cash Central and Revdex.com but it seems Cash Central has violated that agreementLast evening money was taken out of my account again overdrawing my account and bringing yet more overdraft fees after I agreed to settlingNow that you have taken out another $400+ from my account and the account is obviously not suspendedThe harassing calls and emails have also not stopped.I will do everything in my power to have you stop preying on people that are in a financial struggle even after I am paid in fullI have contacted Attorney General *** ***’ office and they looking into your immoral/should be illegal practices as wellI have attached all necessary documents for this case which I have also sent to my lawyerIt is absolutely insane that you prey on people in financial hardshipsI am blessed to be starting a new job next week working with our Armed Forces againIt hurts not only financially but the emotional pain of not being able to pay for food today because of your company hurts more than wordsI wish this nobody and hope you take a good look at what you are doing to peopleI also will be closing my *** account FYI causing me more financial hardships
*** *** *** ***
*** *** *** *** *** *** **
*** *** *** ***
*** *** *** *** * *** *** *** *** *** ** *** *** *** *** Regarding complaint # #####, for *** ***, could you ask that she send actual scanned copies of her bank statements, reflecting the debit attempts made by First Virginia any subsequent overdraft/nonsufficient funds fees that she feels should be refunded? We ask that she not black out any information on these bank statements other than her personal account number, should she choose to do so. Once we have this documentation, we will be better able to determine if, in fact, any refund is owed to *** ***. *** *** ***
*** *** *** ***
*** *** ***
*** *** *** *** * *** ***
*** * ***
Thank you for the opportunity to respond to the recently
filed complaint of *** ***We appreciate the role the RevDex.com serves in resolving consumer concerns
In reviewing Ms***’s account, our records indicate on
April 28, 2015, a refund in the amount of $was
made to Ms***. We would be happy to refund Mrs*** for
the overdraft fees she was charged from her bank. In order to do, we ask her to send copies of
her bank statement showing the fees she was charged. Ms*** can contact me directly at
###-###-#### and I would be happy to provide her with a fax numberWe
apologize for the inconvenience this has caused
Should you or Ms*** have any
additional questions, I can be contact directly by phone at ###-###-####
Mr***’s e-mail of November 7, 2016, promised to pay the second of two payments on his settlement balance on January 1, 2017, in the amount of $Cash Central never received a payment from *** on this date, or on any date thereafterAs Mr*** failed to meet the agreed terms of his settlement agreement, the entire outstanding balance of his loan in the amount of $3,remains past dueThis is the information reported accurately on his credit report to ExperianCash Central is happy to update Mr***’s account if he provides documentation of his check being cashed by Cash Central
I have provided my mothers power of attorney information to the local store She had also given them authorization to speak to me directly (thats how they recieved my phone number) I will be happy to email this information again to them.Her address is *** *** *** *** ** ***last is ***I was advised that I could pay $to resolve this issue & close her account by corporate by 2/ If that is still a go, I will call them on or before 2/to take the full $to resolve this matter
Regards,
*** * ***
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me
Regards,
*** ***
The company has failed to answer the written letter only acknowledging that the consumer owed the debtIn my letter there are several questions regarding how this was determinedThe company response was without merit, and notwithstanding in contextual context in only answering the simple undetermined question The company has failed to uphold the consumer protection laws in the State of *** I have asked many times for a itemized billing statement, verification of debt mailed to me, and this has not been done. One could speculate that the written letter sent to the company may needed some type of legal review due to his specific questions regarding Consumer Protection LawsThis was obliviously not doneI would recommended that the company zero the balance and desists all collections as it appears that they are not competent in understanding my written letter
Regards,
*** ***
I have reviewed the response made by the business in reference to complaint ID ###### and find that this resolution is satisfactory to me
Regards,
*** ***
Dear *** ***:
I am writing in response to your correspondence dated March 5, 2015, regarding the above-referenced matterWe appreciate the role of your office in resolving consumer complaints and the opportunity to address *** ***’s concerns
Our records indicate that *** ***
initiated an open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on July 21, *** *** initially took an advance of $1,on that dateOur records indicate that additional withdrawals were taken on: August 7, 2014, in the amount of $51.00; August 23, 2014, in the amount of $51.41; November 23, 2014, in the amount of $100.00; and, December 14, 2014, in the amount of $The disclosures in the Line of Credit Agreement (“Agreement”) signed by *** *** explain how the interest and fees are calculated in each billing cycleUnder the Agreement, if *** *** were to pay back any advance within thirty days of taking it, he would pay no interest or finance charges on those advancesAs of today’s date, the balance of *** ***’s line of credit is $1,
*** ***’s complaint appears to be regarding the current balance of his line of credit, and he states that the terms of the loan were not adequately explained to himFor ease of reference, I have enclosed a copy of *** ***’s original July 21, 2014, AgreementAfter discussing *** ***’s concerns with First Virginia management, we have found that the employee that assisted *** *** followed First Virginia’s policies and did not give him any information as *** *** states in his complaintThe employee that assisted *** *** did review the Annual Percentage Rate (“APR”) for the line of credit and, at no time was *** *** advised that the APR did not apply to himThe employee that assisted *** *** reviewed the Agreement with him and explained that if *** *** were to pay back any advance within thirty days of taking it, he would pay no interest or finance charges on those advances
In addition, *** ***’s Agreement should answer any remaining questions that he might haveThe Agreement details how the minimum payment each month is calculated and how payments made by *** *** will be applied to his balance*** ***’s Agreement also states, “…You may, of course, pay more frequently, pay more than the Minimum Pay ment, or pay the New Balance in full… As this line of credit has a high interest rate, you are encouraged to pay as much as you can each month to reduce the amount you owe…”
In his complaint, *** *** goes on to further state that he has made $2,in payments on his line of credit; however, our records reflect that *** *** has only made payments totaling $1,If *** *** has made any additional payments for which he has not received credit, I welcome him to provide me with proof of any such payments so that we can research those payments further
As previously stated, as of today’s date, *** ***’s line of credit has a balance of $1,In his complaint, *** *** appears to be looking for a way to fully pay off his line of creditBecause First Virginia understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amountsAfter reviewing *** ***’s account, First Virginia has decided to waive a portion of the accumulated interest assessed to *** ***’ account balance solely as a courtesy to him because there is no evidence that First Virginia made any errors on his accountFirst Virginia is willing to settle *** ***’s account for the amount of $660.14, the remaining principal balance owed on his line of creditWe are doing this as an accommodation to *** *** and ask that he contact ***, the manager of the First Virginia retail branch where he obtained his loan, to make arrangements for payment of the remaining principal balance of his line of credit*** can be reached at ###-###-####If *** *** wishes to take advantage of this offer, we ask that he contact *** prior to March 31, to make these arrangementsWe hope that *** *** will take this opportunity to contact *** for assistance in paying off his line of credit
We sincerely hope that you find the response set forth above and the enclosed copy of *** ***’s signed Line of Credit Agreement acceptable in addressing both your and *** ***’s concerns
Sincerely,
*** ***
***This letter responds to your correspondence of February 27, 2015, regarding the above-referenced matterThank you for your efforts to mediate a resolution
Our records indicate that *** *** cashed a check payable to him and drawn on the account of *** *** * ***
*** at a California Check Cashing Stores, LLC (“CCCS”) branch location in *** *** ***, on February 12, The check was returned as an unpaid item on February 23, 2015, due to a stop payment placed on the checkThe account was subsequently paid in full on February 26,
In his complaint, *** *** expresses concern with a returned check charge he was assessed by CCCS, due to the check being returned with a stop payment order by the check maker’s financial institution*** *** goes on to further state that he feels harassed by telephone calls made to him by representatives of CCCS’ corporate collections department
According to our records, *** *** agreed to pay the returned check charge of $during a telephone call that he placed to CCCS’ corporate collections department on February 24, During this telephone call, *** *** stated he would pay the $fee on March 10, 2015; however, *** *** placed an additional call to CCCS’ corporate collections department on February 26, 2015, to advise CCCS that he had paid the $returned check charge that day at a CCCS branch location
*** *** also states that he felt harassed during telephone calls he received from CCCS’ corporate collections departmentWhen a customer presents any check for payment that returns as an unpaid item, it is CCCS’ standard procedure to contact the customer at the telephone numbers they have provided in an effort to make arrangements with them to pay the balance on their accountThis contact is made only after obtaining the borrower’s consent to contact them using the information that they provideTypically there is a combination of manual calls that are made by an internal collections associate in tandem with calls placed by an automated dialer systemWhen either method does not result in a conversation with our customer within a single 24-hour period, continued attempts are made to reach the customer
Our records indicate that no calls were placed to *** *** and that any conversations that occurred between him and representatives of CCCS’ corporate collections department were a result of inbound telephone calls placed by *** *** to CCCS’ corporate office
At this time, I would like to take this opportunity to thank *** *** for resolving his account balance in such an expeditious manner, and I’d also like apologize to him for his experience and for any negative treatment that he feels might have received from any corporate or retail representative of CCCSCCCS values all of its customers, and we look forward to serving *** ***’s future financial needs
I sincerely hope that I have been able to address both *** ***’s and your concernsShould you have any questions, please feel free to contact me
Sincerely, *** ***
*** *** *** *** *** *** *** ** *** *** *** *** *** *** *** ** *** *** *** *** *** *** * *** *** *** *** *** This responds to your correspondence of December 23, 2014, regarding the above-referenced matterWe appreciate the role of
your office in resolving consumer complaints and the opportunity to address *** ***’ concerns
According to our records, *** *** sought the assistance of Buckeye Credit Solutions, LLC (“CheckSmart”), an *** *** *** *** *** in obtaining a loan with *** *** *** *** ***), an Ohio Mortgage Loan Act licenseeOn November 17, 2014, *** *** borrowed $382.56, which includes an “Amount Financed” of $and a “Prepaid Finance Charge” of $*** ***’ loan is payable in two installment payments, detailed as follows:
December 17, $
January 21, $
Our records indicate that *** *** failed to make his payment of $on December 17, 2014, as agreed, and his account was referred to CheckSmart’s corporate collections department for his past due paymentOur records indicate that *** *** contacted CheckSmart’s corporate collections department on December 22, 2014, to advise he had made his missed paymentThe CheckSmart retail branch where *** *** made his payment also confirmed *** ***’ payment*** ***’ final payment of $remains due on January 21,
*** ***’ complaint, as I understand it, is that he feels he is being overcharged for his loan and requests that CheckSmart “waive additional charges” and allow him to pay off his loan “without being charged $more…” As previously stated, CheckSmart is simply the *** in this transaction, with *** as the lenderAs a courtesy to *** ***, I have reached out to NCP to discuss his complaint and, as a one-time courtesy to him, the lender has agreed to waive the remaining fee of $on his loanWith that in mind, *** ***’ final payment due on January 21, 2015, will be in the amount of $Please note that *** *** will be responsible for all fees outlined in the loan agreement for any future loans that loans that he obtains through CheckSmart
We’d like to take this opportunity to thank *** *** for bringing his complaint to our attentionCheckSmart values *** *** as a customer and we appreciate the type of feedback he has provided and the time that he has taken to document his concernsWe look forward to continuing to serve *** ***’ financial needs
I sincerely hope that the response set forth above provides a satisfactory resolution to this matterShould you have any additional questions, please feel free to contact me
Sincerely, *** ***
*** This responds to your correspondence of December 10, 2014, regarding the above-referenced matterWe appreciate the role of your office in resolving consumer complaints and the opportunity to address *** ***’s concerns
* *** states that his wife was turned away by CheckSmart representatives without providing her with the money transferOur records indicate that the reason *** ***’s wife was unable to obtain the money transfer was because she was unable to provide the Money Control Transfer Number (“MCTN”) from Western Union that would allow her to retrieve the funds from the money transfer*** *** states that his wife returned to CheckSmart with the MCTN from Western Union to retrieve the money transfer and make payment on his loan; however, *** *** states that employees “refused to process” the money transfer with his wifeIn discussing *** ***’s concerns with the manager of the CheckSmart retail branch, it was determined that *** ***’s wife returned that day five minutes after branch employees closed for the dayRegardless, in an effort to assist *** *** and his wife, the employees allowed *** ***’s wife into the store to process the paymentUnfortunately, because the store was then “closed” and all operating systems had been shut down, the representatives were unable to process *** ***’s payment at that timeI do want to apologize to *** *** for the frustration and inconvenience that this situation caused him
According to our records, *** *** sought the assistance
of Buckeye Credit Solutions, LLC (“CheckSmart”), an Ohio Credit Services Organization (“CSO”), in obtaining a loan with NCP Finance Ohio, LLC (“NCP”), an Ohio Mortgage Loan Act licenseeOn November 19, 2014, *** *** borrowed $1,020.16, which includes an “Amount Financed” of $and a “Prepaid Finance Charge” of $*** ***’s loan was payable in two installment payments, detailed as follows:
December 7, $
December 22, $
Our records indicate that *** ***’s payment due on December 7, 2014, in the amount of $121.02, was paid on December 10, As of today’s date, *** *** has an outstanding account balance in the amount of $
*** ***’s complaint, as I understand it, is regarding the treatment that he feels he and his wife received from employees of CheckSmart and the manner by which his loan transaction was handledFirst, please allow me to apologize to *** *** for any treatment that he or his wife received from any CheckSmart branch employee that they perceived to be unacceptableOur employees are trained to be professional and supervisors observe employees regularly to make sure that they are professionalAny employee who falls short of CheckSmart’s customer service expectations is counseled about appropriate behavior and, where called for, is reprimanded or terminated if they are unable to meet these expectations*** ***’s concerns regarding the levels of customer service he received have been reviewed with management and with the employees involved, and these particular employees have been reminded of CheckSmart’s commitment to customer service
*** *** specifically states in his complaint that, while trying to coordinate his first payment of his loan with representatives of the CheckSmart retail branch assisting him, he agreed to send via Western Union a money transfer to his wife, such that she would be able to make his first loan payment in person on his behalf
In reviewing *** ***’s remaining complaint concerns, there appears to be some confusion regarding the type of loan product that he obtained on November 19, I have enclosed copies of *** ***’s “Credit Services Information Statement & Statement of Rights” and “Credit Services Agreement” that he signed with CheckSmart, as well as I have requested and have enclosed a copy of *** ***’s “Federal Truth-In-Lending Disclosures and Promissory Note” with NCP, dated November 19, The disclosures in these agreements that *** *** signed and with which he was provided copies of when he initiated his loan should clarify much of this for himAs the CSO that assisted *** *** in obtaining his loan with NCP, I have confirmed that CheckSmart did review and explain the terms of the NCP loan agreement with *** ***, as well as afforded him the opportunity to ask any questions that he might have had
As previously stated, *** *** still has an outstanding account balance in the amount of $Our records indicate that on December 27, 2014, *** *** contacted CheckSmart’s corporate collections department and made arrangements to pay his outstanding account balance in full on January 2, Our records do not indicate that any payment was received from *** *** at that time; however, because CheckSmart understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amountsAt this time, *** ***’s account has been put in a “Hold” status, meaning that collection efforts have been temporarily suspended on his accountWe are doing this as an accommodation to him and ask that he contact *** ***, a senior supervisor in our collections area, to make arrangements for payment of his outstanding account balance*** *** can be reached at ###-###-####, extension ####We ask that *** *** contact *** *** to make these arrangements by January 19, If we have not heard from him by that time, collection activity may resume on his account
I sincerely hope that the response set forth above provides a satisfactory resolution to this matterShould you have any additional questions, please feel free to contact me
Sincerely, *** *** *** ***
***This letter is in response to your correspondence dated December 29, 2014, and as referenced aboveThank you for bringing *** ***’s complaint to our attentionWe appreciate the role that the Revdex.com plays in mediating consumer complaints
Our records indicate that *** *** requested
a loan from California Check Cashing Stores, LLC (“CCCS”) on September 8, The loan had an agreed-upon repayment date of September 26, 2014, and he provided a check to pay the loan on that dateCCCS deposited the check as agreed; however, the check was subsequently returned as an unpaid item by *** ***’s financial institution on October 6, 2014, due to non-sufficient funds
*** ***’s complaint, as I understand it, is that the payment of his loan was not properly credited to his account balanceIn reviewing our records, I would like to start by offering *** *** an apology for what was clearly our errorOur records indicate that *** *** made payment of his account balance on December 3, 2014, and should have posted to his account on December 4, Due to an internal processing error, processing of *** ***’s payment, as well as the application of his payment to his account balance, was delayedUnfortunately, following receipt of *** ***’s payment, CCCS experienced an internal system error causing *** ***’s account to continue to appear unpaidI can confirm that, with the exception of a returned check fee assessed to *** ***’s account in the amount of $15.00, his account is paid in fullAs a courtesy to *** ***, I am waiving the $returned check fee assessed to him
In his complaint, *** *** also references “rude” treatment that he feels he received from a representative of CCCS’ corporate collections department when trying to resolve this matter with usI have taken this opportunity to listen to the recorded telephone call with *** *** that was captured by our call recording system and I would like to apologize to him for any mistreatment he believes that he received from our collections staffAfter listening to these calls, I’ve found that the representative who spoke to *** *** should have spoken to him in a more professional mannerPlease know that the telephone call in question has been reviewed with the CCCS corporate collections employees involved*** *** should know that the situation has also been reviewed with management and the conversation that occurred with him has been documentedThe employee that *** *** spoke with has been reminded of CCCS’ commitment to customer serviceIt is never CCCS’ intention to make any of our customers feel harassedAs such, we would like to again extend our apologies for any treatment that *** *** received that he perceived to be unacceptable
At this time, *** ***’s account is marked as being “Paid in Full”I’d like to again apologize to *** *** for any inconvenience and frustration this matter may have caused himWe value all of our customers and strive to make their interactions with CCCS positive ones
Should you have any further questions, please do not hesitate to contact me
Sincerely,
*** ***
*** *** *** *** *** *** *** ** *** *** *** *** *** *** *** *** *** *** *** *** *** *** * *** *** *** *** *** This letter responds to your correspondence of November 12, 2014, regarding the above-referenced matterWe thank you for
the opportunity to respond to *** ***’s concernsWe appreciate the role of your office in helping to resolve consumer complaints
According to our records, *** *** requested a single installment Auto Title Loan with Buckeye Title Loans, Inc(“Buckeye Title”) on October 24, The loan had an agreed-upon repayment date of October 31, *** *** failed to pay back the loan in full on that date and his account was referred to the corporate collections department of Buckeye Title
*** ***’s complaint, as I understand it, is regarding duplicate payment made on his accountLet me start by offering our most sincere apologies for what was clearly our errorAccording to his complaint, *** *** had set up payment arrangement with the Buckeye Title retail branch where he obtained his loan, prior to his loan having been referred to our corporate collections departmentAs a result, when a representative of the retail branch contacted Buckeye Title’s corporate office to inform us of his payment arrangement, there was not yet an account in *** ***’s name for the loan in questionOnce *** ***’s account was referred to Buckeye Title’s corporate collections department, because we were unable to reach and speak with *** *** directly, Buckeye Title initiated an Electronic Funds Transfer (“EFT”) using the account information he provided when he signed his loan agreement
I can confirm that an EFT payment was processed on *** ***’s account in the amount of $on November 6, 2014, despite having made previous payment arrangements directly with the Buckeye Title retail branch where he obtained his loanBecause of his previous payment arrangement with the Buckeye Title retail branch, a refund was issued to *** *** on November 14, 2014, in the amount of $(the amount of the original EFT payment processed by Buckeye Title’s corporate collections department and a $overdraft charge assessed by his financial institution)This refund was issued directly to *** ***’s bank account information on file
This situation is not our standard operating procedure, and is an extremely unusual occurrence; however, as a result of this situation, we will be able to improve our quality controls to prevent this from potentially happening to other customers
Again, we hope that *** *** will accept our apologies for this situation and know that Buckeye Title is committed to its customers and appreciates his business
If I can be of any further assistance, please let me know
Sincerely, *** ***
I am rejecting this response because my check needs to be cashed by your company
Regards, *** ***
*** *** *** ***
*** *** *** *** *** *** **
*** *** *** ***
*** *** *** *** * *** *** *** *** *** ** *** *** *** ***
*** *** *** I am writing in follow up to Revdex.com complaint # ### for *** *** I wanted to confirm that a refund of $was issued to *** ***s bank account on Friday, 12/12/ This should fully resolve *** ***s complaint; however, if you or she needs anything further, please do not hesitate to contact me. Sincerely, *** ***
*** *** *** ***
*** *** ***
*** *** *** *** * *** ***
*** * ***
I am now faxing a voided check with the bank information so that the company can deposit the money into my account *** and routing number ***Regards *** ***
I am writing in reference to Revdex.com Complaint No*** filed by *** *** ***
In his complaint, *** *** states he “recently” became Power of Attorney for his mother, *** ***
First, in order to assist *** *** further, we ask that he provide Power of Attorney forms
documenting that he does, in fact, hold Power of Attorney for his mother *** and that we are authorized to discuss our customer’s account with him?
Unfortunately, because *** *** provided only limited information in his complaint, I am unable to determine the *** *** that is the basis of his complaintIf he could also provide *** ***’s mailing address, telephone number, and the last digits of her social security number, that will assist us in identifying the proper customer his complaint is regarding
Thank you in advance for your assistance in obtaining this documentation and informationI look forward to receiving this so that we can further assist *** ***
Sincerely, *** ***
Dear *** ***:
I am writing in response to your correspondence dated March 2, 2015, regarding the above-referenced matterWe appreciate the role of your office in resolving consumer complaints and the opportunity to address *** ***’s concerns
Our records indicate that *** ***
initiated an open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on October 14, *** *** initially took an advance of $on that same dateOur records indicate that *** ***’s Line of Credit is currently in a “Delinquent” status, as we have not yet received her minimum monthly payment for the month of FebruaryOur records indicate that the last payment that posted to *** ***’s Line of Credit was in the amount of $and posted to her account on January 16, The disclosures in the Line of Credit Agreement (“Agreement”) explain how the interest and fees are calculated in each billing cycleUnder the Agreement, if *** *** were to pay back any advance within thirty days of taking it, she would pay no interest or finance charges on the advance
The Agreement also states that the minimum payment is comprised of a portion of the outstanding balance, fees incurred and Finance Charges up to the billing cycle closing date, and that all payments received by First Virginia will be applied first to fees, if any, and then to the Finance ChargesPayments in excess of all fees and Finance Charges are applied to the outstanding balanceEach month *** *** is sent a statement that apprises her of the status of her line of credit, including the Finance Charges that have accrued and the minimum monthly payment requirements for her account
*** ***’s complaint, as I understand it, is regarding “automatic payments” that she set up at the time she initiated her Line of Credit; however, despite her efforts to cancel these “automatic payments”, *** *** states that payments have continued to be deducted from her account
In researching our records, First Virginia has not received any written request at its corporate office from *** *** stating that she wished to cancel the automatic payments made from her account; however, as a result of *** ***’s complaint with your office, as of today’s date we have opted *** *** out of any future automatic paymentsPlease understand that, in order to prevent *** ***’s account from moving into a “Default” status, she will be required to meet the minimum monthly payment requirements for her Line of Credit by making her future payments at a First Virginia branch location
I hope the response set forth has addressed *** ***’s concernsShould you have any questions or need additional information, please feel free to contact me
Sincerely,
*** ***
Good morningI had accepted a legal agreement with Cash Central and Revdex.com but it seems Cash Central has violated that agreementLast evening money was taken out of my account again overdrawing my account and bringing yet more overdraft fees after I agreed to settlingNow that you have taken out another $400+ from my account and the account is obviously not suspendedThe harassing calls and emails have also not stopped.I will do everything in my power to have you stop preying on people that are in a financial struggle even after I am paid in fullI have contacted Attorney General *** ***’ office and they looking into your immoral/should be illegal practices as wellI have attached all necessary documents for this case which I have also sent to my lawyerIt is absolutely insane that you prey on people in financial hardshipsI am blessed to be starting a new job next week working with our Armed Forces againIt hurts not only financially but the emotional pain of not being able to pay for food today because of your company hurts more than wordsI wish this nobody and hope you take a good look at what you are doing to peopleI also will be closing my *** account FYI causing me more financial hardships
*** *** *** ***
*** *** *** *** *** *** **
*** *** *** ***
*** *** *** *** * *** *** *** *** *** ** *** *** *** *** Regarding complaint # #####, for *** ***, could you ask that she send actual scanned copies of her bank statements, reflecting the debit attempts made by First Virginia any subsequent overdraft/nonsufficient funds fees that she feels should be refunded? We ask that she not black out any information on these bank statements other than her personal account number, should she choose to do so. Once we have this documentation, we will be better able to determine if, in fact, any refund is owed to *** ***. *** *** ***
*** *** *** ***
*** *** ***
*** *** *** *** * *** ***
*** * ***
Thank you for the opportunity to respond to the recently
filed complaint of *** ***We appreciate the role the RevDex.com serves in resolving consumer concerns
In reviewing Ms***’s account, our records indicate on
April 28, 2015, a refund in the amount of $was
made to Ms***. We would be happy to refund Mrs*** for
the overdraft fees she was charged from her bank. In order to do, we ask her to send copies of
her bank statement showing the fees she was charged. Ms*** can contact me directly at
###-###-#### and I would be happy to provide her with a fax numberWe
apologize for the inconvenience this has caused
Should you or Ms*** have any
additional questions, I can be contact directly by phone at ###-###-####
Mr***’s e-mail of November 7, 2016, promised to pay the second of two payments on his settlement balance on January 1, 2017, in the amount of $Cash Central never received a payment from *** on this date, or on any date thereafterAs Mr*** failed to meet the agreed terms of his settlement agreement, the entire outstanding balance of his loan in the amount of $3,remains past dueThis is the information reported accurately on his credit report to ExperianCash Central is happy to update Mr***’s account if he provides documentation of his check being cashed by Cash Central
I have provided my mothers power of attorney information to the local store She had also given them authorization to speak to me directly (thats how they recieved my phone number) I will be happy to email this information again to them.Her address is *** *** *** *** ** ***last is ***I was advised that I could pay $to resolve this issue & close her account by corporate by 2/ If that is still a go, I will call them on or before 2/to take the full $to resolve this matter
Regards,
*** * ***
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me
Regards,
*** ***
*** *** *** ***
*** ***
*** *** *** *** **
*** ***
*** *** *** *** * *** *** *** *** *** ** *** *** ** *** ** *** *** Here is the copy of my bank statement with the overdraft fees and I also left a copy in the office $872.00DEC 02, 2014*** *** *** *** *** ***-$53.40DEC 01, 2014REJECTED*** ** *** *** ***-$30.00NOV 22, 2014NSF FEE-$53.40NOV 21, 2014REJECTED*** ** *** *** ***-$7.95NOV 16, 2014SERVICE CHARGE-$30.00NOV 15, 2014NSF FEE-$53.40NOV 14, 2014REJECTED*** ** *** *** ***
The company has failed to answer the written letter only acknowledging that the consumer owed the debtIn my letter there are several questions regarding how this was determinedThe company response was without merit, and notwithstanding in contextual context in only answering the simple undetermined question The company has failed to uphold the consumer protection laws in the State of *** I have asked many times for a itemized billing statement, verification of debt mailed to me, and this has not been done. One could speculate that the written letter sent to the company may needed some type of legal review due to his specific questions regarding Consumer Protection LawsThis was obliviously not doneI would recommended that the company zero the balance and desists all collections as it appears that they are not competent in understanding my written letter
Regards,
*** ***
I have reviewed the response made by the business in reference to complaint ID ###### and find that this resolution is satisfactory to me
Regards,
*** ***