*** This letter is in response to your correspondence dated February 26, 2014, regarding the above-referenced matterWe appreciate the role of the Revdex.com in helping to resolve consumer complaints
At this time, we have been working directly with *** *** to resolve his complaint concerns
My understanding of *** ***’s complaint is that he is seeking a repayment plan for outstanding loans that he recently obtained
We have reached out directly to *** *** to work out a repayment plan that he is agreeable to
Once *** *** has agreed to the terms of a repayment plan and I have received the terms of such repayment plan from management, I will communicate that information in an additional response to the Revdex.com
Again, thank you for bringing *** ***’s complaint to our attention
Sincerely, *** ***
Although I agree with the lender (buckeye lending) on the resolution as far as my account being paid in full, I have yet received an apology letter from themAlso they have not notified the collection agency ( *** *** *** ) that the debt is paidAlong with that they have not resolved any negative reporting on my credit reportPlease I would like this resolved as soon as possibleThank you,*** ***
*** *** *** *** *** *** *** ** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** * *** *** *** *** *** ***This letter responds to your correspondence of December 18, 2014, regarding the above-referenced matterThank you
for bringing *** ***’ complaint to our attentionWe appreciate the role of the Revdex.com in mediating consumer complaints
Our records indicate that *** *** requested a loan from Buckeye Lending Solutions, LLC (“CheckSmart”) on November 15, The loan had an agreed-upon repayment date of December 1, 2014, and she provided a check to pay the loan on that dateCheckSmart deposited *** ***’ check, and it was subsequently returned as an unpaid item by her financial institution due to insufficient funds on December 4, As of today’s date, *** *** has an outstanding account balance of $
*** ***’ complaint, as I understand it, is regarding the excessive amount of collection calls she has receivedWhen a customer defaults on a loan, it is our 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 accountTypically 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 representatives of CheckSmart’s corporate collections department have only spoken with *** *** on two occasionsDuring the first telephone conversation with *** *** on December 12, 2014, *** *** made payment arrangements wherein she would make a payment of $on December 19, 2014, followed by payments of $every two weeks until her balance was paid in full
Following this conversation with *** ***, representatives of CheckSmart’s corporate collections department made efforts to contact her again on December 18, 2014, as a courtesy to remind her of her payment arrangement for the following dayOur records indicate that *** *** placed a phone call into CheckSmart’s corporate collections department in response to these telephone callsNotations on *** ***’ account indicate that when she called in, she would not verify any information to allow the corporate collections representative assisting her to verify her identityIn response, the representative advised *** *** that the telephone calls she received may have been a courtesy reminder call
In her complaint, *** *** references poor treatment that she feels she received from a representative of CheckSmart’s corporate collections departmentOur collections department employees are trained to be professional and supervisors monitor calls regularly to make sure that they are professionalCollectors who fall short of these expectations are counseled about appropriate behavior and, where called for, are reprimanded or terminated if they are unable to meet these expectationsAt this time, CheckSmart is in the process of pulling and reviewing the telephone calls that occurred with *** ***; however, in the meantime, I would like to offer *** *** my apologies for any treatment she received that she perceived to be unacceptable
In reviewing *** ***’ account, we have no record of having received her payment on December 19, 2014, as agreed; however, because CheckSmart understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amountsAt this time, *** ***’ account has been placed in a temporary “Hold” status, which means that collections efforts on her account have been temporarily suspendedWe are doing this as an accommodation to *** *** and ask that she contact *** ***, a senior supervisor in our collections area, to make arrangements for payment of her outstanding account balance*** *** can be reached at ###-###-####, extension ####, but *** *** must contact her by January 7, If we have not heard from *** *** by this time, collection activity on her account may resumeWe hope that *** *** will take this opportunity to contact *** ***
I hope the response set forth has addressed both your and *** ***’ concernsShould you have any questions or need additional information, please feel free to contact me
Sincerely,
*** ***
Complaint ID No*** * *** *** Dear *** *** This letter responds to your original correspondence of February 13, 2015, regarding the above-referenced matterWe appreciate the role of your office in helping to resolve consumer complaints
*** ***’s complaint, as I
understand it, is that he purchased a Western Union money order that was stolen from him following his purchaseUpon checking our records, I can confirm that the money order was presented to and cashed on September 2, 2014, at the CheckSmart retail branch located at *** *** *** *** *** ***. When this money order was presented to CheckSmart, employees of CheckSmart called Western Union to confirm that the money order was valid and had not been reported as lost or stolenWestern Union did not provide any information that would prevent CheckSmart from cashing the money orderHad appropriate precaution been taken and *** *** immediately completed the “Payee” section of the money order, such actions would have restricted who could endorse and cash the money order in question
If *** *** has not already done so, I would strongly encourage him to contact Western Union directly to file a claim and report the money order as being stolenWestern Union can be contacted as follows:
Western Union Financial Services, Inc** *** *** *** *** *** Phone: ###-###-#### *** I regret that, at this time, CheckSmart is unable to further assist *** *** with his concerns; however, should he contact Western Union directly, they will be better able to assist him and address any remaining issues or concerns that he may have
I sincerely hope that the response set forth above provides a satisfactory response to this matterShould you have any additional questions, please feel free to contact me
Sincerely, *** ***
This responds to your correspondence of April 8, 2015, regarding the above-referenced matterWe thank you for the opportunity to respond and appreciate the role of the Revdex.com in mediating customer disputes
*** ***’s complaint seems to indicate that Buckeye Credit Solutions, LLC (“CheckSmart”)
has been unwilling to work with a debt consolidation company to settle her debtI have reviewed our company records, and the only notice we have received was from *** *** directly asking CheckSmart to contact ###-###-####, extension *** to discuss her account furtherWe have no record of having received any written communication directly from a debt consolidation company on *** ***’s behalfTypically, such companies will provide written proof that a particular customer has retained their company for services and has authorized us to discuss our customer’s account with them
According to our records, *** *** sought the assistance of Buckeye Credit Solutions, LLC (“CheckSmart”), an Ohio Credit Services Organization (“CSO”), in obtaining a loan with *** *** *** *** ***”), an Ohio Mortgage Loan Act licenseeOn March 6, 2015, *** *** borrowed $637.60, which includes an “Amount Financed” of $and a “Prepaid Finance Charge” of $*** ***’s loan was payable in two installment payments, detailed as follows:
March 20, $
April 3, $
Our records indicate that *** *** did not make her final payment as agreed and, as a result, her account was referred to CheckSmart’s corporate collections departmentAs of today’s date, *** *** has an outstanding account balance of $
*** ***’s complaint, as I understand it, is that she feels “harassed” by phone calls from CheckSmart’s internal collection staffWhen a customer defaults on a loan, it is our 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 accounts*** *** continued to receive calls because, despite our efforts to encourage her to bring her account current, she has not made any firm arrangements to do soPlease understand that the numbers were provided by *** *** as part of her loan application and she gave permission for CheckSmart to contact her at those numbersRegardless, as previously stated, our records reflect that CheckSmart received a request from *** *** to contact ###-###-####, extension ***, to discuss her accountAt that time, *** ***’s account was placed in a “Hold” status, and no further telephone calls have been placed to her
Because we have not heard from *** *** further, or any particular debt consolidation company on her behalf, CheckSmart does understand that these are challenging timesAs such, we have procedures set up to allow for payoffs of outstanding amounts*** ***’s account is currently in a “hold” status, which means collection calls have been suspendedWe are doing this as an accommodation to her to allow her to contact *** *** a senior supervisor in our collections area, to make arrangements for a payment plan that works for her and her current circumstance*** *** can be reached at ###-###-####, extension ***, but *** *** must contact her prior to April 29, 2015, to make the arrangements discussedWe hope that *** *** will take the opportunity to contact *** ***
We sincerely hope that the response set forth above has been responsive to *** ***’s and your office’s concernsShould you have any questions, please feel free to contact me
Sincerely,
*** ***
the company Check$mart has under its own omission stated that I had never received an itemized statement, nor a copy of check drafted by Check Smart. Those requests were simple and unambiguous in natureOnce again it appears that I need to pass this information onto my attorney who has pursued your company in the past. I have gave the company time to amend its mistakes and to make a good faith effort to resolve this dispute to avoid the burden of prolong ligation and expenses as my attorney charges $per hour. I would recommend that all further inquries be directed to my attorney *** ***
Regards,
*** ***
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThank you Mr*** for looking into this for me and providing me with the neccessary information
Regards,
*** ***
This business has left as many as voice mails a day, days a week, which in my opinion is harassing and threateningI have returned those calls many times and have asked for a monthly payment plan to pay the loan off in months which was in December Each time they said they "couldnt figure out what the payoff would be" because interest accrues dailyThat is false, as I have done similar payoffs with other loan companiesNow they have increased my balance to almost $2,800.00? This is basically loan sharking because they want to delay what my request original asked which was a month payoffAlso, when I spoke with the *** office, she told me if I didnt pay for months, they would just write it offSince I havent heard from them I assumed it was written offNow, since I filed a Revdex.com complaint, they now have more details and have added interest without notifying meI want this harassment stopped and am going to find other borrowers online that have used this company and find out which jurisdiction they are in to file a complaint with the local attorney generalI am willing to attempt to pay the $a month for months to pay this off, they have already collected over $on a $loan and I am willing to pay another $2500.00, if not I will consult as many consumer complaint organizations as possible including yelp and other social mediai certainly hope they dont retaliate as they appear to be doing now
Regards,
*** ***
This letter responds to your correspondence of November 3, 2014, regarding the above referenced consumerWe appreciate the role of your office in helping to resolve consumer complaints
Buckeye Check Cashing of Illinois, LLC (“1st Loans Financial”) is strictly a "brick and mortar"
operation located in Illinois and does business solely under the name “1st Loans Financial”Buckeye Check Cashing of Illinois, LLC previously did business under the name First Cash Advance; however, Buckeye Check Cashing of Illinois, LLC ceased doing business as First Cash Advance as of April 1, 2014, and began doing business as 1st Loans Financial1st Loans Financial offers a variety of consumer financial products which are strictly retail basedFor further confirmation of 1st Loans Financial’s operations, I invite you to visit its website: www.firstloanstoday.com
We did some further research and learned that the Federal Trade Commission (“FTC”) is aware of scams against consumers similar to that described by Ms*** in her complaintAt this time, I would encourage Ms*** to contact the FTC for further assistance, information, and to discuss her concernsThe FTC can be reached at 1-877-FTC-HELP (382-4357), and they may be able to provide Ms*** with additional information about these types of scams and assist her in resolving any other concerns or answer any other questions that she might have
It appears that Ms*** is being contacted by a scam company and I would strongly encourage her to contact the FTC for further assistanceIf, however, I can provide you with further information or assistance, I would be pleased to do so
This letter responds to your correspondence of March 11, 2015, and as referenced aboveWe appreciate the role of your office in helping to resolve consumer complaints
Our records indicate that *** *** requested a loan from Buckeye Title Loans of California, LLC (“Buckeye Title”) on November
4, These loans are intended for longer term borrowing needs*** *** loan is to be re-paid in twenty-four monthly installments as follows:
December 1, $December 1, $
January $January 1, $
February 1, $February 1, $
March 1, $March 1, $
April 1, $April 1, $
May 1, $May 1, $
June 1, $June 1, $
July 1, $July 1, $
August 1, $August 1, $
September 1, $September 1, $
October 1, $October 1, $
November 1, $November 1, $
Our records indicate that *** *** made the following payments on his loan:
December 1, $July 1, $
January $August 1, $
February 1, $September 1, $
March 1, $October 1, $
April 1, $November 1, $
May 1, $December 1, $
June 1, $January 1, $
As of today’s date, *** *** has an outstanding account balance of $2,For ease of reference, I have included a copy of *** *** November 4, 2013, loan agreement
*** *** complaint, as I understand it, is regarding “harassing and threatening” telephone calls he received from Buckeye Title’s corporate collections departmentIn reviewing our records, I have been unable to validate the claims made by *** *** in his complaintI have reviewed our call logs and notations on his account and have found no record of any representative of Buckeye Title’s corporate collections department speaking with MrScottOur records indicate that only messages have been left for himIn addition, *** *** states that Buckeye Title’s corporate collections department harassed his motherI can confirm that one telephone call was placed to *** *** mother; however, we did not make contact with her and only a voicemail message was leftRegardless, our collections department employees are trained to be professional and supervisors monitor calls regularly to make sure that they are professionalCollectors who fall short of these expectations are counseled about appropriate behavior and, where called for, are reprimanded or terminated if they are unable to meet these expectationsIt is never Buckeye Title’s intention to treat any of our customers in a poor mannerAs such, should any conversations have occurred that *** *** or his mother truly perceived to be unacceptable, we would like to extend our apologies to them for their experience
As previously stated, *** *** outstanding account balance as of today’s date is $2,853.36; however, in accordance with his Agreement, *** *** loan continues to accrue interest on a daily basisIn his complaint, *** *** appears to be looking for a way to fully pay off his loanBecause Buckeye Title understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amountsAt this time, we have placed *** *** account in a “HOLD” status, meaning that Buckeye Title’s collections efforts have been temporarily suspendedWe are doing this as an accommodation to *** *** and ask that he contact *** ***, a senior supervisor in our collections department, to make arrangements for payment of his outstanding account balance*** *** can be reached at ###-###-####, extension ***We ask that *** *** contact *** *** prior to April 20, to make these arrangementsWe hope that *** *** will take this opportunity to contact *** ***
We sincerely hope that you find the response set forth above and the enclosed copy of *** *** loan agreement acceptable in addressing both your and *** *** concerns
Should you have any additional questions or if I can be of any further assistance, please feel free to contact me
Sincerely,
*** ***
I have reviewed the response made by the business in reference to complaint ID ##### and find that this resolution is satisfactory to meThe balance due amount is incorrectYou're forgetting the $you drafted from my account after you told me there would be no more drafting from my account
Regards,
*** ***
*** *** *** *** *** *** This letter responds to your correspondence of March 26, regarding the above-referenced matterWe appreciate the opportunity to respond and thank your office for its efforts in mediating consumer complaints
Our records indicate that ***
*** cashed a check made payable to herself at a Buckeye Check Cashing, Inc(“CheckSmart”) location on February 6, 2015, in the amount of $CheckSmart provided *** *** with the cash proceeds and the check was depositedIt was subsequently returned as an unpaid item on February 11, 2015, by *** ***’ financial institution due to being drawn on a closed accountAs of today’s date, *** *** owes $for the face value of this check ($800.00) and the returned item fee ($80.00)
Our records further indicate that *** *** cashed an additional check made payable to herself at a CheckSmart location on February 8, 2015, in the amount of $CheckSmart provided *** *** with the cash proceeds and the check was depositedThis check, too, was subsequently returned as an unpaid item on February 12, 2015, by *** ***’ financial institution due to being drawn on a closed accountAs of today’s date, *** *** owes $for the face value of this check ($650.00) and the returned item fee ($65.00)
In her complaint, *** *** states that she was treated rudely by representatives of CheckSmart’s corporate collections departmentOur collections department employees are trained to be professional and supervisors monitor calls regularly to make sure that they are professionalI have reviewed the available call recordings associated with *** ***’ account in an effort to check into her claims about the lack of professionalism used by representatives of CheckSmartI agree that the collections representatives that spoke with *** *** should have used a more professional tone during their conversationsPlease know that the telephone calls in question have been reviewed with the CheckSmart corporate collections employees involved*** ***’ concerns have also been reviewed with managementThe employees involved have been reminded of CheckSmart’s commitment to customer serviceIt is never CheckSmart’s intention to treat any of our customers in a poor mannerAs such, I would like to extend our apologies for any treatment that *** *** received that she perceived to be unacceptable
As previously stated, *** *** has a balance owed for the checks she cashed with CheckSmart that were subsequently returned unpaid by her financial institutionAccording to our records, *** *** spoke with a CheckSmart corporate collections representative on March 26, 2015, and made an agreement to pay the outstanding amounts owed on March 31, 2015, totaling $1,
I sincerely hope that I have been able to address both your and *** ***’ concernsShould you have any questions, please feel free to contact me
Sincerely,
*** ***
This letter responds to your correspondence of April 18, 2013, regarding the above-referenced matterWe appreciate your efforts to help resolve Mr***’s concerns
Let me start by offering Mr*** an apology for what was clearly our errorAccording to our records, Mr***
requested a loan from Buckeye Lending Solutions, LLC (“CheckSmart”) on November 1, Mr***’s loan had an agreed-upon repayment date of December 3, 2013, and he provided a check to pay his loan on that dateWhen Mr*** did not pay his loan in person on his due date, CheckSmart deposited his checkOur records indicate that Mr***’s check was returned as an unpaid item by his financial institution on December 10, As of today’s date, Mr***’s account is considered “settled-in-full”
Mr***’s complaint, as I understand it, is that although he settled his outstanding account balance with CheckSmart through a third party collection agency, he was later contacted by a different collection agency seeking payment for the same account
In researching our records, I have found that although CheckSmart tried to resolve Ms***’s outstanding account balance directly with him, because we were unsuccessful, his account had been referred to an outside collection agency on January 29, 2014, *** *** *fter having the opportunity to research Mr***’s complaint, I can confirm that Mr*** did, in fact, settle his outstanding account balance with *** *** and that payment of $was posted to his account on February 27,
Unfortunately, following Mr***’s payment, CheckSmart’s corporate collections database was not updated correctly and, as a result, the balance appeared to be due and owing by Mr***As a result of this error, CheckSmart’s collections efforts continued, and what appeared to be an outstanding account balance owed by Mr*** was sold to another collection agency, *** *** *** We have no record of Mr*** previously contacting CheckSmart directly to discuss this matter; however, upon receipt of Mr***’s complaint, CheckSmart requested that Mr***’s account be closed out and returned to us from *** *** ***With that in mind, Mr***’s account reflects a “settled-in-full” status with a zero balance owed at this time
This situation is an extremely unusual occurrence; however, as a result of Mr***’s complaint, we will be able to improve our quality controls to prevent this from potentially happening to other customersWe appreciate this being brought to our attentionIn addition, I would like to apologize to Mr*** for his experience, as well as for any frustration or inconvenience he experienced as a result of thisThis 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, Mr***’s account reflects a zero balance, and is considered “settled-in-full”We hope that Mr*** will accept our apologies for this situation and know that CheckSmart is committed to its customers and appreciates his business
CheckSmart truly regrets Mr***’s experience and we thank him for bringing this matter to our attention so that we could address this situation appropriatelyShould you have any questions, please feel free to contact me
Sincerely,
Joseph M***
I was NOT given misinformation by the Corporate Representative.....I was LIED to by their repActually of their RepsI could have paid off this loan when my unemployment began in the 1st week of OctoberBy then, I was told by your Rep.....AND received a letter from their attorney that the debt had been taken over by the attorney
I was told by the corp Reps several times that my account was 'hit' by mistake and it wouldn't happen againThat was the 1st lieI could have resolved this debt just by the insufficient funds fees alone
Now they have cost me more than the last balance of the loanThey could have waited the weeks for my unemployment benefits to begin, instead I received the letter from the collections attny within weeks of asking for them to be patient
Of ALL the hardships I've encountered since I've lost my job.....The Director of their corporate office....her name starts with an ***she was the rudestmost insulting person I had to deal withShe insulted me over and over again accusing me of being a 'DeadBeat"
Now I still have an attorney expecting me to pay her too
This kind of business practice should not be allowedThis company should NOT be allowed to treat customers like this...and should not be allowed to have more control over my bank account than I do
Others have told me this is for how they treat their clients
I would NEVER recommend this company to anyoneThe only reason I used them in the 1st place was because I am a single parent and I was despirate at the timeThey made a lot of money off me....and still caused all this grief
This responds to your additional correspondence dated December 4, 2014, regarding the above-referenced matterWe appreciate the bank statements provided by *** ***
At this time, I have calculated a refund to be issued to *** *** in the amount of $due to this incidentThis $includes overdraft fees assessed to *** *** as follows:
Date Amount
9/17/$
9/23/$
9/30/$($overdraft fees assessed)
10/2/$
10/20/$
Total: $
At this time, in order for CheckSmart to issue the refund in question, we ask that *** *** confirm the 9-digit bank routing number and the bank account number associated with the account she wishes this refund to be deposited toTo assist *** *** in locating this information, I have attached an image of a personal check identifying which numbers on the check are the routing and account numbers
We look forward to receiving this clarification from *** *** Upon receipt of this information, CheckSmart will immediately issue a refund to her account in the amount of $If, in the meantime, I can be of any further assistance, please do not hesitate to contact me
Sincerely, *** ***
This letter responds to your additional correspondence of December 15, 2014, regarding the above-referenced matterWe appreciate the role of the Revdex.com in mediating consumer complaints and also the additional opportunity to address *** ***’s concerns
At this time, it appears that we have provided all relevant, factual information addressing *** ***’s concerns from his original complaintAs I already indicated in our previous response dated December 12, 2014, I’d like to apologize to *** *** for the misinformation he received regarding payments processed using the account information on file after his account was referred to an outside collection agencyIt is never CheckSmart’s intention to mislead any of our customersIn addition, in his additional comments, *** *** states that he was treated poorly by representatives of CheckSmart’s corporate collections department, stating he was referred to as a “deadbeat”I have taken this opportunity to review all available call recordings that occurred with *** *** and I assure you that at no time was *** *** referred to as a “deadbeat”; nonetheless, I would like to apologize to *** *** for any conversations that occurred that he perceived to be unacceptable
In our previous response, CheckSmart offered to waive the remaining balance due on *** ***’s account; however, it is not clear whether or not *** *** is accepting of this offer to resolve his complaintPlease clarify with *** *** if he accepts this offer to resolve his complaintAs of today’s date, the outstanding balance of *** ***’s account is $335.73, and continues to accrue interest daily
Should the Revdex.com have any further questions or concerns, please feel free to contact meI will look forward to hearing from you further
Sincerely,
*** ***
*** *** *** *** *** *** *** ** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** * *** *** *** *** *** ***This letter responds to your correspondence of December 1, 2014, regarding the above-referenced matterThank you
for bringing *** ***’s complaint to our attentionWe appreciate the role of the Revdex.com in mediating consumer complaints
Our records indicate that *** *** obtained a loan from Buckeye Check Cashing of Arizona, Inc(“CheckSmart”) on June 17, *** ***’s loan had an agreed-upon repayment date of July 1, When *** *** did not pay his loan in person at that time, his loan was referred to CheckSmart’s corporate collections departmentAs of today’s date, *** *** has an outstanding account balance of $
*** ***’s complaint, as I understand it, is regarding withdrawals made to his checking account by CheckSmartOur records indicate that *** *** had made commitments for payment on July 9, 2014; July 21, 2014; and, August 30, *** *** did not make these payments as agreedBecause the verbal efforts by CheckSmart’s corporate collections department to encourage *** *** to make payment of his outstanding account balance were unsuccessful, CheckSmart initiated Electronic Funds Transfer (“EFT”) payments for *** ***’s outstanding account balance using the account information he provided when he signed the loan agreementCheckSmart’s EFT attempts were done in accordance with his loan agreement:
“Electronic Loan PaymentsYou understand that by your signature below in the following section as part of this Agreement, you authorize us, if we have not received payment from you acceptable to us by some other means, to withdraw funds from the financial institution identified by you for your scheduled loan payment(s) by means of electronic funds transfer (EFT) using Automated Clearing House (“ACH”) debit(s)If an electronic debit is dishonored and a late charge accrues you agree that the late charge fee may be added to the amount owing and payable by a subsequent EFT/ACH debit.”
Our records indicate that multiple EFT payment attempts were processed against *** ***’s bank account on file; however, only payments processed on July 17, 2014, and November 20, (both in the amount of $125.00), were honored by *** ***’s financial institution
I have reviewed our records and, at this time, it does not appear that *** *** has ever sent in a written request terminating the ACH/EFT Authorization that he gave in his loan agreement; however, as a courtesy to *** ***, based on his complaint with the Revdex.com, CheckSmart has used his complaint as notice to terminate his ACH/EFT Authorization*** ***’s account has been updated and no future ACH/EFT payments will be processed by CheckSmart relative to his June 17, loan
In his complaint, *** *** expresses concern regarding the balance of his account, and goes on to state, “…my account was turned over to an attorney… Since it was turned over to an attorney, my account has been ‘hit’ times when I was told over the phone that it would not be affected anymore…” First, please understand that, because *** *** did not make payment on his account balance as agreed, his outstanding account balance continued to accrue fees and finance charges in accordance with his loan agreementAlso, because CheckSmart’s efforts to secure payment directly with *** *** were unsuccessful, his account was referred to an outside collection agency, Heldenbrand Law, as of October 7,
After having reviewed notations on MrSyprhrit’s account, it does appear that *** *** was given some incorrect information by representatives of CheckSmart’s corporate collections departmentI would like to take this opportunity to apologize to *** *** for the incorrect information he received, and any confusion and frustration that this might have causedIt appears that during discussions with representatives of CheckSmart’s corporate collections department, *** *** was advised that CheckSmart would not initiate any ACH/EFT debit entries to his account for payment as his loan had been referred to an outside collection agencyBecause *** ***’s account was not sold to another company, CheckSmart still retained its rights under *** ***’s loan agreement to collect upon defaultPlease refer to the section of *** ***’s loan agreement regarding “Our Rights Upon Default”Again, I apologize for the misinformation that *** *** receivedI’d like to thank him for bringing this to our attention so that we can address the matter as a training opportunity for the employees involved
As previously stated, our records indicate that *** *** has an outstanding account balance of $In his complaint, *** *** appears to be requesting a refund of non-sufficient funds charges assessed to him by his financial institutionIn the alternative, and due to *** ***’s complaint and experience, CheckSmart would be willing to waive the remaining balance due on his account, such that his account would recalled from the collection agency to which it was assigned and would reflect a “paid-in-full” statusIf *** *** is in agreement to this resolution, please let us know so that we can make the necessary adjustments to his account
I hope the response set forth has addressed both your and *** ***’s concernsAgain, we would like to thank *** *** for bringing his complaint to our attention, and apologize for the confusion and frustration that this situation has caused himWe hope that *** *** will accept the proposed resolution to bring closure to his complaint
Should you have any questions or need additional information, please feel free to contact me
Sincerely, *** ***
*** *** ***:
We are in receipt of your letter dated January 8, 2015, in which you requested validation of your loanYour communication was received through the Revdex.com of Central Ohio, Inc., in conjunction with your complaint as referenced above
Enclosed is your signed
Loan Agreement (“Agreement”) with Hoosier Check Cashing of Ohio, LTD (“CheckSmart”) which validates your loanIn accordance with the terms of your Agreement, you received a $loan effective December 5, 2014, with a finance charge of $Your loan was due for repayment on December 26, 2014, and you provided a check to pay the loan on that dateCheckSmart deposited your check, and it was subsequently returned as an unpaid item by your financial institution on January 5, 2015, due to non-sufficient funds
As of today’s date, our records reflect an outstanding account balance of $
Thank you for doing business with CheckSmart and please let me know if I can help in any other way
Sincerely, *** *** Enclosure
This letter responds to your additional correspondence of April 9, 2015, and as referenced aboveWe appreciate the additional opportunity to respond to *** ***s complaint
In his additional correspondence, *** *** states that he would contact Buckeye Title Loans of California, LLC (“Buckeye Title”) to discuss making payment arrangements for his outstanding account balanceIn our previous response dated April 6, 2015, we asked that *** *** contact *** ***, a senior supervisor in Buckeye Title’s collections department; unfortunately, to date, we have no record of *** *** contacting *** ***, or any representative of Buckeye Title, to discuss his account or any payment arrangement
At this time, as a courtesy to *** ***, Buckeye Title is willing to accept his proposed payment arrangement of $200.00/month for months*** *** must make his first payment of $by May 1, Each of *** ***s subsequent monthly payments of $will be due on the first of each monthWith that in mind, assuming *** *** makes each payment as agreed, Buckeye Title will consider his account “paid-in-full” upon receipt of his monthly $payment on April 1,
Again, we ask that *** *** contact *** *** in our collections department, to discuss these arrangements further or ask any questions that he might have*** *** can be reached at ###-###-####, extension ***
We sincerely hope that both your office and *** *** find the proposed resolution acceptable, and that he contacts *** *** promptly
Should you have any additional questions or if I can be of any further assistance, please feel free to contact me
Sincerely,
J*** ***
As indicated in the previous response dated April 8, 2015, Buckeye Lending Solutions, LLC appreciates
this being brought to our attention. In
addition, we would again like to apologize to Mr*** for his experience,
as well as for any frustration or inconvenience he experienced as a result of
this
Buckeye Lending Solutions, LLC, has
confirmed with our outside collection agencies that Mr***’s account was
has been closed and no negative reporting on his credit report has occurred.
Should Mr*** have
additional questions, I can be reached at ###-###-####
*** This letter is in response to your correspondence dated February 26, 2014, regarding the above-referenced matterWe appreciate the role of the Revdex.com in helping to resolve consumer complaints
At this time, we have been working directly with *** *** to resolve his complaint concerns
My understanding of *** ***’s complaint is that he is seeking a repayment plan for outstanding loans that he recently obtained
We have reached out directly to *** *** to work out a repayment plan that he is agreeable to
Once *** *** has agreed to the terms of a repayment plan and I have received the terms of such repayment plan from management, I will communicate that information in an additional response to the Revdex.com
Again, thank you for bringing *** ***’s complaint to our attention
Sincerely, *** ***
Although I agree with the lender (buckeye lending) on the resolution as far as my account being paid in full, I have yet received an apology letter from themAlso they have not notified the collection agency ( *** *** *** ) that the debt is paidAlong with that they have not resolved any negative reporting on my credit reportPlease I would like this resolved as soon as possibleThank you,*** ***
*** *** *** *** *** *** *** ** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** * *** *** *** *** *** ***This letter responds to your correspondence of December 18, 2014, regarding the above-referenced matterThank you
for bringing *** ***’ complaint to our attentionWe appreciate the role of the Revdex.com in mediating consumer complaints
Our records indicate that *** *** requested a loan from Buckeye Lending Solutions, LLC (“CheckSmart”) on November 15, The loan had an agreed-upon repayment date of December 1, 2014, and she provided a check to pay the loan on that dateCheckSmart deposited *** ***’ check, and it was subsequently returned as an unpaid item by her financial institution due to insufficient funds on December 4, As of today’s date, *** *** has an outstanding account balance of $
*** ***’ complaint, as I understand it, is regarding the excessive amount of collection calls she has receivedWhen a customer defaults on a loan, it is our 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 accountTypically 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 representatives of CheckSmart’s corporate collections department have only spoken with *** *** on two occasionsDuring the first telephone conversation with *** *** on December 12, 2014, *** *** made payment arrangements wherein she would make a payment of $on December 19, 2014, followed by payments of $every two weeks until her balance was paid in full
Following this conversation with *** ***, representatives of CheckSmart’s corporate collections department made efforts to contact her again on December 18, 2014, as a courtesy to remind her of her payment arrangement for the following dayOur records indicate that *** *** placed a phone call into CheckSmart’s corporate collections department in response to these telephone callsNotations on *** ***’ account indicate that when she called in, she would not verify any information to allow the corporate collections representative assisting her to verify her identityIn response, the representative advised *** *** that the telephone calls she received may have been a courtesy reminder call
In her complaint, *** *** references poor treatment that she feels she received from a representative of CheckSmart’s corporate collections departmentOur collections department employees are trained to be professional and supervisors monitor calls regularly to make sure that they are professionalCollectors who fall short of these expectations are counseled about appropriate behavior and, where called for, are reprimanded or terminated if they are unable to meet these expectationsAt this time, CheckSmart is in the process of pulling and reviewing the telephone calls that occurred with *** ***; however, in the meantime, I would like to offer *** *** my apologies for any treatment she received that she perceived to be unacceptable
In reviewing *** ***’ account, we have no record of having received her payment on December 19, 2014, as agreed; however, because CheckSmart understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amountsAt this time, *** ***’ account has been placed in a temporary “Hold” status, which means that collections efforts on her account have been temporarily suspendedWe are doing this as an accommodation to *** *** and ask that she contact *** ***, a senior supervisor in our collections area, to make arrangements for payment of her outstanding account balance*** *** can be reached at ###-###-####, extension ####, but *** *** must contact her by January 7, If we have not heard from *** *** by this time, collection activity on her account may resumeWe hope that *** *** will take this opportunity to contact *** ***
I hope the response set forth has addressed both your and *** ***’ concernsShould you have any questions or need additional information, please feel free to contact me
Sincerely,
*** ***
Complaint ID No*** * *** *** Dear *** *** This letter responds to your original correspondence of February 13, 2015, regarding the above-referenced matterWe appreciate the role of your office in helping to resolve consumer complaints
*** ***’s complaint, as I
understand it, is that he purchased a Western Union money order that was stolen from him following his purchaseUpon checking our records, I can confirm that the money order was presented to and cashed on September 2, 2014, at the CheckSmart retail branch located at *** *** *** *** *** ***. When this money order was presented to CheckSmart, employees of CheckSmart called Western Union to confirm that the money order was valid and had not been reported as lost or stolenWestern Union did not provide any information that would prevent CheckSmart from cashing the money orderHad appropriate precaution been taken and *** *** immediately completed the “Payee” section of the money order, such actions would have restricted who could endorse and cash the money order in question
If *** *** has not already done so, I would strongly encourage him to contact Western Union directly to file a claim and report the money order as being stolenWestern Union can be contacted as follows:
Western Union Financial Services, Inc** *** *** *** *** *** Phone: ###-###-#### *** I regret that, at this time, CheckSmart is unable to further assist *** *** with his concerns; however, should he contact Western Union directly, they will be better able to assist him and address any remaining issues or concerns that he may have
I sincerely hope that the response set forth above provides a satisfactory response to this matterShould you have any additional questions, please feel free to contact me
Sincerely, *** ***
This responds to your correspondence of April 8, 2015, regarding the above-referenced matterWe thank you for the opportunity to respond and appreciate the role of the Revdex.com in mediating customer disputes
*** ***’s complaint seems to indicate that Buckeye Credit Solutions, LLC (“CheckSmart”)
has been unwilling to work with a debt consolidation company to settle her debtI have reviewed our company records, and the only notice we have received was from *** *** directly asking CheckSmart to contact ###-###-####, extension *** to discuss her account furtherWe have no record of having received any written communication directly from a debt consolidation company on *** ***’s behalfTypically, such companies will provide written proof that a particular customer has retained their company for services and has authorized us to discuss our customer’s account with them
According to our records, *** *** sought the assistance of Buckeye Credit Solutions, LLC (“CheckSmart”), an Ohio Credit Services Organization (“CSO”), in obtaining a loan with *** *** *** *** ***”), an Ohio Mortgage Loan Act licenseeOn March 6, 2015, *** *** borrowed $637.60, which includes an “Amount Financed” of $and a “Prepaid Finance Charge” of $*** ***’s loan was payable in two installment payments, detailed as follows:
March 20, $
April 3, $
Our records indicate that *** *** did not make her final payment as agreed and, as a result, her account was referred to CheckSmart’s corporate collections departmentAs of today’s date, *** *** has an outstanding account balance of $
*** ***’s complaint, as I understand it, is that she feels “harassed” by phone calls from CheckSmart’s internal collection staffWhen a customer defaults on a loan, it is our 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 accounts*** *** continued to receive calls because, despite our efforts to encourage her to bring her account current, she has not made any firm arrangements to do soPlease understand that the numbers were provided by *** *** as part of her loan application and she gave permission for CheckSmart to contact her at those numbersRegardless, as previously stated, our records reflect that CheckSmart received a request from *** *** to contact ###-###-####, extension ***, to discuss her accountAt that time, *** ***’s account was placed in a “Hold” status, and no further telephone calls have been placed to her
Because we have not heard from *** *** further, or any particular debt consolidation company on her behalf, CheckSmart does understand that these are challenging timesAs such, we have procedures set up to allow for payoffs of outstanding amounts*** ***’s account is currently in a “hold” status, which means collection calls have been suspendedWe are doing this as an accommodation to her to allow her to contact *** *** a senior supervisor in our collections area, to make arrangements for a payment plan that works for her and her current circumstance*** *** can be reached at ###-###-####, extension ***, but *** *** must contact her prior to April 29, 2015, to make the arrangements discussedWe hope that *** *** will take the opportunity to contact *** ***
We sincerely hope that the response set forth above has been responsive to *** ***’s and your office’s concernsShould you have any questions, please feel free to contact me
Sincerely,
*** ***
the company Check$mart has under its own omission stated that I had never received an itemized statement, nor a copy of check drafted by Check Smart. Those requests were simple and unambiguous in natureOnce again it appears that I need to pass this information onto my attorney who has pursued your company in the past. I have gave the company time to amend its mistakes and to make a good faith effort to resolve this dispute to avoid the burden of prolong ligation and expenses as my attorney charges $per hour. I would recommend that all further inquries be directed to my attorney *** ***
Regards,
*** ***
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThank you Mr*** for looking into this for me and providing me with the neccessary information
Regards,
*** ***
This business has left as many as voice mails a day, days a week, which in my opinion is harassing and threateningI have returned those calls many times and have asked for a monthly payment plan to pay the loan off in months which was in December Each time they said they "couldnt figure out what the payoff would be" because interest accrues dailyThat is false, as I have done similar payoffs with other loan companiesNow they have increased my balance to almost $2,800.00? This is basically loan sharking because they want to delay what my request original asked which was a month payoffAlso, when I spoke with the *** office, she told me if I didnt pay for months, they would just write it offSince I havent heard from them I assumed it was written offNow, since I filed a Revdex.com complaint, they now have more details and have added interest without notifying meI want this harassment stopped and am going to find other borrowers online that have used this company and find out which jurisdiction they are in to file a complaint with the local attorney generalI am willing to attempt to pay the $a month for months to pay this off, they have already collected over $on a $loan and I am willing to pay another $2500.00, if not I will consult as many consumer complaint organizations as possible including yelp and other social mediai certainly hope they dont retaliate as they appear to be doing now
Regards,
*** ***
This letter responds to your correspondence of November 3, 2014, regarding the above referenced consumerWe appreciate the role of your office in helping to resolve consumer complaints
Buckeye Check Cashing of Illinois, LLC (“1st Loans Financial”) is strictly a "brick and mortar"
operation located in Illinois and does business solely under the name “1st Loans Financial”Buckeye Check Cashing of Illinois, LLC previously did business under the name First Cash Advance; however, Buckeye Check Cashing of Illinois, LLC ceased doing business as First Cash Advance as of April 1, 2014, and began doing business as 1st Loans Financial1st Loans Financial offers a variety of consumer financial products which are strictly retail basedFor further confirmation of 1st Loans Financial’s operations, I invite you to visit its website: www.firstloanstoday.com
We did some further research and learned that the Federal Trade Commission (“FTC”) is aware of scams against consumers similar to that described by Ms*** in her complaintAt this time, I would encourage Ms*** to contact the FTC for further assistance, information, and to discuss her concernsThe FTC can be reached at 1-877-FTC-HELP (382-4357), and they may be able to provide Ms*** with additional information about these types of scams and assist her in resolving any other concerns or answer any other questions that she might have
It appears that Ms*** is being contacted by a scam company and I would strongly encourage her to contact the FTC for further assistanceIf, however, I can provide you with further information or assistance, I would be pleased to do so
This letter responds to your correspondence of March 11, 2015, and as referenced aboveWe appreciate the role of your office in helping to resolve consumer complaints
Our records indicate that *** *** requested a loan from Buckeye Title Loans of California, LLC (“Buckeye Title”) on November
4, These loans are intended for longer term borrowing needs*** *** loan is to be re-paid in twenty-four monthly installments as follows:
December 1, $December 1, $
January $January 1, $
February 1, $February 1, $
March 1, $March 1, $
April 1, $April 1, $
May 1, $May 1, $
June 1, $June 1, $
July 1, $July 1, $
August 1, $August 1, $
September 1, $September 1, $
October 1, $October 1, $
November 1, $November 1, $
Our records indicate that *** *** made the following payments on his loan:
December 1, $July 1, $
January $August 1, $
February 1, $September 1, $
March 1, $October 1, $
April 1, $November 1, $
May 1, $December 1, $
June 1, $January 1, $
As of today’s date, *** *** has an outstanding account balance of $2,For ease of reference, I have included a copy of *** *** November 4, 2013, loan agreement
*** *** complaint, as I understand it, is regarding “harassing and threatening” telephone calls he received from Buckeye Title’s corporate collections departmentIn reviewing our records, I have been unable to validate the claims made by *** *** in his complaintI have reviewed our call logs and notations on his account and have found no record of any representative of Buckeye Title’s corporate collections department speaking with MrScottOur records indicate that only messages have been left for himIn addition, *** *** states that Buckeye Title’s corporate collections department harassed his motherI can confirm that one telephone call was placed to *** *** mother; however, we did not make contact with her and only a voicemail message was leftRegardless, our collections department employees are trained to be professional and supervisors monitor calls regularly to make sure that they are professionalCollectors who fall short of these expectations are counseled about appropriate behavior and, where called for, are reprimanded or terminated if they are unable to meet these expectationsIt is never Buckeye Title’s intention to treat any of our customers in a poor mannerAs such, should any conversations have occurred that *** *** or his mother truly perceived to be unacceptable, we would like to extend our apologies to them for their experience
As previously stated, *** *** outstanding account balance as of today’s date is $2,853.36; however, in accordance with his Agreement, *** *** loan continues to accrue interest on a daily basisIn his complaint, *** *** appears to be looking for a way to fully pay off his loanBecause Buckeye Title understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amountsAt this time, we have placed *** *** account in a “HOLD” status, meaning that Buckeye Title’s collections efforts have been temporarily suspendedWe are doing this as an accommodation to *** *** and ask that he contact *** ***, a senior supervisor in our collections department, to make arrangements for payment of his outstanding account balance*** *** can be reached at ###-###-####, extension ***We ask that *** *** contact *** *** prior to April 20, to make these arrangementsWe hope that *** *** will take this opportunity to contact *** ***
We sincerely hope that you find the response set forth above and the enclosed copy of *** *** loan agreement acceptable in addressing both your and *** *** concerns
Should you have any additional questions or if I can be of any further assistance, please feel free to contact me
Sincerely,
*** ***
I have reviewed the response made by the business in reference to complaint ID ##### and find that this resolution is satisfactory to meThe balance due amount is incorrectYou're forgetting the $you drafted from my account after you told me there would be no more drafting from my account
Regards,
*** ***
*** *** *** *** *** *** This letter responds to your correspondence of March 26, regarding the above-referenced matterWe appreciate the opportunity to respond and thank your office for its efforts in mediating consumer complaints
Our records indicate that ***
*** cashed a check made payable to herself at a Buckeye Check Cashing, Inc(“CheckSmart”) location on February 6, 2015, in the amount of $CheckSmart provided *** *** with the cash proceeds and the check was depositedIt was subsequently returned as an unpaid item on February 11, 2015, by *** ***’ financial institution due to being drawn on a closed accountAs of today’s date, *** *** owes $for the face value of this check ($800.00) and the returned item fee ($80.00)
Our records further indicate that *** *** cashed an additional check made payable to herself at a CheckSmart location on February 8, 2015, in the amount of $CheckSmart provided *** *** with the cash proceeds and the check was depositedThis check, too, was subsequently returned as an unpaid item on February 12, 2015, by *** ***’ financial institution due to being drawn on a closed accountAs of today’s date, *** *** owes $for the face value of this check ($650.00) and the returned item fee ($65.00)
In her complaint, *** *** states that she was treated rudely by representatives of CheckSmart’s corporate collections departmentOur collections department employees are trained to be professional and supervisors monitor calls regularly to make sure that they are professionalI have reviewed the available call recordings associated with *** ***’ account in an effort to check into her claims about the lack of professionalism used by representatives of CheckSmartI agree that the collections representatives that spoke with *** *** should have used a more professional tone during their conversationsPlease know that the telephone calls in question have been reviewed with the CheckSmart corporate collections employees involved*** ***’ concerns have also been reviewed with managementThe employees involved have been reminded of CheckSmart’s commitment to customer serviceIt is never CheckSmart’s intention to treat any of our customers in a poor mannerAs such, I would like to extend our apologies for any treatment that *** *** received that she perceived to be unacceptable
As previously stated, *** *** has a balance owed for the checks she cashed with CheckSmart that were subsequently returned unpaid by her financial institutionAccording to our records, *** *** spoke with a CheckSmart corporate collections representative on March 26, 2015, and made an agreement to pay the outstanding amounts owed on March 31, 2015, totaling $1,
I sincerely hope that I have been able to address both your and *** ***’ concernsShould you have any questions, please feel free to contact me
Sincerely,
*** ***
This letter responds to your correspondence of April 18, 2013, regarding the above-referenced matterWe appreciate your efforts to help resolve Mr***’s concerns
Let me start by offering Mr*** an apology for what was clearly our errorAccording to our records, Mr***
requested a loan from Buckeye Lending Solutions, LLC (“CheckSmart”) on November 1, Mr***’s loan had an agreed-upon repayment date of December 3, 2013, and he provided a check to pay his loan on that dateWhen Mr*** did not pay his loan in person on his due date, CheckSmart deposited his checkOur records indicate that Mr***’s check was returned as an unpaid item by his financial institution on December 10, As of today’s date, Mr***’s account is considered “settled-in-full”
Mr***’s complaint, as I understand it, is that although he settled his outstanding account balance with CheckSmart through a third party collection agency, he was later contacted by a different collection agency seeking payment for the same account
In researching our records, I have found that although CheckSmart tried to resolve Ms***’s outstanding account balance directly with him, because we were unsuccessful, his account had been referred to an outside collection agency on January 29, 2014, *** *** *fter having the opportunity to research Mr***’s complaint, I can confirm that Mr*** did, in fact, settle his outstanding account balance with *** *** and that payment of $was posted to his account on February 27,
Unfortunately, following Mr***’s payment, CheckSmart’s corporate collections database was not updated correctly and, as a result, the balance appeared to be due and owing by Mr***As a result of this error, CheckSmart’s collections efforts continued, and what appeared to be an outstanding account balance owed by Mr*** was sold to another collection agency, *** *** *** We have no record of Mr*** previously contacting CheckSmart directly to discuss this matter; however, upon receipt of Mr***’s complaint, CheckSmart requested that Mr***’s account be closed out and returned to us from *** *** ***With that in mind, Mr***’s account reflects a “settled-in-full” status with a zero balance owed at this time
This situation is an extremely unusual occurrence; however, as a result of Mr***’s complaint, we will be able to improve our quality controls to prevent this from potentially happening to other customersWe appreciate this being brought to our attentionIn addition, I would like to apologize to Mr*** for his experience, as well as for any frustration or inconvenience he experienced as a result of thisThis 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, Mr***’s account reflects a zero balance, and is considered “settled-in-full”We hope that Mr*** will accept our apologies for this situation and know that CheckSmart is committed to its customers and appreciates his business
CheckSmart truly regrets Mr***’s experience and we thank him for bringing this matter to our attention so that we could address this situation appropriatelyShould you have any questions, please feel free to contact me
Sincerely,
Joseph M***
I was NOT given misinformation by the Corporate Representative.....I was LIED to by their repActually of their RepsI could have paid off this loan when my unemployment began in the 1st week of OctoberBy then, I was told by your Rep.....AND received a letter from their attorney that the debt had been taken over by the attorney
I was told by the corp Reps several times that my account was 'hit' by mistake and it wouldn't happen againThat was the 1st lieI could have resolved this debt just by the insufficient funds fees alone
Now they have cost me more than the last balance of the loanThey could have waited the weeks for my unemployment benefits to begin, instead I received the letter from the collections attny within weeks of asking for them to be patient
Of ALL the hardships I've encountered since I've lost my job.....The Director of their corporate office....her name starts with an ***she was the rudestmost insulting person I had to deal withShe insulted me over and over again accusing me of being a 'DeadBeat"
Now I still have an attorney expecting me to pay her too
This kind of business practice should not be allowedThis company should NOT be allowed to treat customers like this...and should not be allowed to have more control over my bank account than I do
Others have told me this is for how they treat their clients
I would NEVER recommend this company to anyoneThe only reason I used them in the 1st place was because I am a single parent and I was despirate at the timeThey made a lot of money off me....and still caused all this grief
This responds to your additional correspondence dated December 4, 2014, regarding the above-referenced matterWe appreciate the bank statements provided by *** ***
At this time, I have calculated a refund to be issued to *** *** in the amount of $due to this incidentThis $includes overdraft fees assessed to *** *** as follows:
Date Amount
9/17/$
9/23/$
9/30/$($overdraft fees assessed)
10/2/$
10/20/$
Total: $
At this time, in order for CheckSmart to issue the refund in question, we ask that *** *** confirm the 9-digit bank routing number and the bank account number associated with the account she wishes this refund to be deposited toTo assist *** *** in locating this information, I have attached an image of a personal check identifying which numbers on the check are the routing and account numbers
We look forward to receiving this clarification from *** *** Upon receipt of this information, CheckSmart will immediately issue a refund to her account in the amount of $If, in the meantime, I can be of any further assistance, please do not hesitate to contact me
Sincerely, *** ***
This letter responds to your additional correspondence of December 15, 2014, regarding the above-referenced matterWe appreciate the role of the Revdex.com in mediating consumer complaints and also the additional opportunity to address *** ***’s concerns
At this time, it appears that we have provided all relevant, factual information addressing *** ***’s concerns from his original complaintAs I already indicated in our previous response dated December 12, 2014, I’d like to apologize to *** *** for the misinformation he received regarding payments processed using the account information on file after his account was referred to an outside collection agencyIt is never CheckSmart’s intention to mislead any of our customersIn addition, in his additional comments, *** *** states that he was treated poorly by representatives of CheckSmart’s corporate collections department, stating he was referred to as a “deadbeat”I have taken this opportunity to review all available call recordings that occurred with *** *** and I assure you that at no time was *** *** referred to as a “deadbeat”; nonetheless, I would like to apologize to *** *** for any conversations that occurred that he perceived to be unacceptable
In our previous response, CheckSmart offered to waive the remaining balance due on *** ***’s account; however, it is not clear whether or not *** *** is accepting of this offer to resolve his complaintPlease clarify with *** *** if he accepts this offer to resolve his complaintAs of today’s date, the outstanding balance of *** ***’s account is $335.73, and continues to accrue interest daily
Should the Revdex.com have any further questions or concerns, please feel free to contact meI will look forward to hearing from you further
Sincerely,
*** ***
*** *** *** *** *** *** *** ** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** * *** *** *** *** *** ***This letter responds to your correspondence of December 1, 2014, regarding the above-referenced matterThank you
for bringing *** ***’s complaint to our attentionWe appreciate the role of the Revdex.com in mediating consumer complaints
Our records indicate that *** *** obtained a loan from Buckeye Check Cashing of Arizona, Inc(“CheckSmart”) on June 17, *** ***’s loan had an agreed-upon repayment date of July 1, When *** *** did not pay his loan in person at that time, his loan was referred to CheckSmart’s corporate collections departmentAs of today’s date, *** *** has an outstanding account balance of $
*** ***’s complaint, as I understand it, is regarding withdrawals made to his checking account by CheckSmartOur records indicate that *** *** had made commitments for payment on July 9, 2014; July 21, 2014; and, August 30, *** *** did not make these payments as agreedBecause the verbal efforts by CheckSmart’s corporate collections department to encourage *** *** to make payment of his outstanding account balance were unsuccessful, CheckSmart initiated Electronic Funds Transfer (“EFT”) payments for *** ***’s outstanding account balance using the account information he provided when he signed the loan agreementCheckSmart’s EFT attempts were done in accordance with his loan agreement:
“Electronic Loan PaymentsYou understand that by your signature below in the following section as part of this Agreement, you authorize us, if we have not received payment from you acceptable to us by some other means, to withdraw funds from the financial institution identified by you for your scheduled loan payment(s) by means of electronic funds transfer (EFT) using Automated Clearing House (“ACH”) debit(s)If an electronic debit is dishonored and a late charge accrues you agree that the late charge fee may be added to the amount owing and payable by a subsequent EFT/ACH debit.”
Our records indicate that multiple EFT payment attempts were processed against *** ***’s bank account on file; however, only payments processed on July 17, 2014, and November 20, (both in the amount of $125.00), were honored by *** ***’s financial institution
I have reviewed our records and, at this time, it does not appear that *** *** has ever sent in a written request terminating the ACH/EFT Authorization that he gave in his loan agreement; however, as a courtesy to *** ***, based on his complaint with the Revdex.com, CheckSmart has used his complaint as notice to terminate his ACH/EFT Authorization*** ***’s account has been updated and no future ACH/EFT payments will be processed by CheckSmart relative to his June 17, loan
In his complaint, *** *** expresses concern regarding the balance of his account, and goes on to state, “…my account was turned over to an attorney… Since it was turned over to an attorney, my account has been ‘hit’ times when I was told over the phone that it would not be affected anymore…” First, please understand that, because *** *** did not make payment on his account balance as agreed, his outstanding account balance continued to accrue fees and finance charges in accordance with his loan agreementAlso, because CheckSmart’s efforts to secure payment directly with *** *** were unsuccessful, his account was referred to an outside collection agency, Heldenbrand Law, as of October 7,
After having reviewed notations on MrSyprhrit’s account, it does appear that *** *** was given some incorrect information by representatives of CheckSmart’s corporate collections departmentI would like to take this opportunity to apologize to *** *** for the incorrect information he received, and any confusion and frustration that this might have causedIt appears that during discussions with representatives of CheckSmart’s corporate collections department, *** *** was advised that CheckSmart would not initiate any ACH/EFT debit entries to his account for payment as his loan had been referred to an outside collection agencyBecause *** ***’s account was not sold to another company, CheckSmart still retained its rights under *** ***’s loan agreement to collect upon defaultPlease refer to the section of *** ***’s loan agreement regarding “Our Rights Upon Default”Again, I apologize for the misinformation that *** *** receivedI’d like to thank him for bringing this to our attention so that we can address the matter as a training opportunity for the employees involved
As previously stated, our records indicate that *** *** has an outstanding account balance of $In his complaint, *** *** appears to be requesting a refund of non-sufficient funds charges assessed to him by his financial institutionIn the alternative, and due to *** ***’s complaint and experience, CheckSmart would be willing to waive the remaining balance due on his account, such that his account would recalled from the collection agency to which it was assigned and would reflect a “paid-in-full” statusIf *** *** is in agreement to this resolution, please let us know so that we can make the necessary adjustments to his account
I hope the response set forth has addressed both your and *** ***’s concernsAgain, we would like to thank *** *** for bringing his complaint to our attention, and apologize for the confusion and frustration that this situation has caused himWe hope that *** *** will accept the proposed resolution to bring closure to his complaint
Should you have any questions or need additional information, please feel free to contact me
Sincerely, *** ***
*** *** ***:
We are in receipt of your letter dated January 8, 2015, in which you requested validation of your loanYour communication was received through the Revdex.com of Central Ohio, Inc., in conjunction with your complaint as referenced above
Enclosed is your signed
Loan Agreement (“Agreement”) with Hoosier Check Cashing of Ohio, LTD (“CheckSmart”) which validates your loanIn accordance with the terms of your Agreement, you received a $loan effective December 5, 2014, with a finance charge of $Your loan was due for repayment on December 26, 2014, and you provided a check to pay the loan on that dateCheckSmart deposited your check, and it was subsequently returned as an unpaid item by your financial institution on January 5, 2015, due to non-sufficient funds
As of today’s date, our records reflect an outstanding account balance of $
Thank you for doing business with CheckSmart and please let me know if I can help in any other way
Sincerely, *** *** Enclosure
This letter responds to your additional correspondence of April 9, 2015, and as referenced aboveWe appreciate the additional opportunity to respond to *** ***s complaint
In his additional correspondence, *** *** states that he would contact Buckeye Title Loans of California, LLC (“Buckeye Title”) to discuss making payment arrangements for his outstanding account balanceIn our previous response dated April 6, 2015, we asked that *** *** contact *** ***, a senior supervisor in Buckeye Title’s collections department; unfortunately, to date, we have no record of *** *** contacting *** ***, or any representative of Buckeye Title, to discuss his account or any payment arrangement
At this time, as a courtesy to *** ***, Buckeye Title is willing to accept his proposed payment arrangement of $200.00/month for months*** *** must make his first payment of $by May 1, Each of *** ***s subsequent monthly payments of $will be due on the first of each monthWith that in mind, assuming *** *** makes each payment as agreed, Buckeye Title will consider his account “paid-in-full” upon receipt of his monthly $payment on April 1,
Again, we ask that *** *** contact *** *** in our collections department, to discuss these arrangements further or ask any questions that he might have*** *** can be reached at ###-###-####, extension ***
We sincerely hope that both your office and *** *** find the proposed resolution acceptable, and that he contacts *** *** promptly
Should you have any additional questions or if I can be of any further assistance, please feel free to contact me
Sincerely,
J*** ***
As indicated in the previous response dated April 8, 2015, Buckeye Lending Solutions, LLC appreciates
this being brought to our attention. In
addition, we would again like to apologize to Mr*** for his experience,
as well as for any frustration or inconvenience he experienced as a result of
this
Buckeye Lending Solutions, LLC, has
confirmed with our outside collection agencies that Mr***’s account was
has been closed and no negative reporting on his credit report has occurred.
Should Mr*** have
additional questions, I can be reached at ###-###-####