Thank you for the opportunity to respond to the recently filed complaint of [redacted] ***We appreciatethe role the Revdex.com serves in resolving consumer concerns and hope to address the sameherein.Mr***'s complaint, he appears to feel that the interest rate associated with his loan is too high.In the state of California, when one possesses a Finance Lenders License issued pursuant to FinancialCode #et seq., there is no APR cap on loan amounts over $2,As such, the loan is notrestricted nor subject to any usury limitsThe contract includes the disclosure:Important Notice to Borrower: THIS IS A HIGH COST LOANYOU MAY BE ABLE TOOBTAIN A LOWER RATE OF FINANCE CHARGETHINK CAREFULLY BEFORE YOU DECIDETO TAKE THIS LOAN.Our records confirm, on September 1, 2016, Cash Central did mail Mr [redacted] a copy of his loan contractas requested.In reviewing Mr***'s account, an installment Loan in the amount of $2,was obtained onFebruary 15, 2016, with an effective date of February 16, This was a monthly loan with 23payments of $and payment of $399.00.In his complaint, Mr [redacted] states he has "already paid back the loan plus interest", and has requestedCash Central close his accountOur records confirm, Cash Central has received payments of $400.39($1,601.56) toward the balanceMr [redacted] currently has a past due balance due for $415.39.Per Mr***'s request, Cash Central has placed a hold on his account, which means collection attemptshave been temporarily suspended.As a gesture of good faith, Cash Central is willing to settle Mr***'s account for $to recover theoriginal principal amount, which can either be paid in a lump sum or may be paid in three monthlypaymentsPlease ask Mr [redacted] to call me directly at ###-###-#### or by email at [redacted] to accept this offer
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 ( [redacted] ) 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, [redacted]
January 20, Revdex.com of Central ***, Inc Dublin Road Columbus, OH 43215- Re: Revdex.com Complaint No [redacted] – [redacted] Dear Ms [redacted] , This letter is in response to your correspondence dated January 14, 2015, and as referenced aboveThank you for bringing Ms ***’s complaint to our attentionWe appreciate the role that the Revdex.com plays in mediating consumer complaints According to our records, Ms [redacted] sought the assistance of Buckeye Credit Solutions, LLC (“CheckSmart”), an [redacted] Credit Services Organization (“CSO”), in obtaining a loan with [redacted] ***, LLC (“***”), an [redacted] Mortgage Loan Act licenseeOn November 13, 2014, Ms [redacted] borrowed $649.15, which includes an “Amount [redacted] d” of $and a “Prepaid [redacted] Charge” of $Ms***’s loan was payable in two installment payments, detailed as follows: November 27, $ December 11, $ Our records indicate that, to date, Ms [redacted] has not made payment on her loan and, as of today’s date, has an outstanding account balance in the amount of $ Ms***’s complaint, as I understand it, is regarding “rude” treatment that he feels he received from a representative of CheckSmart’s corporate collections department when trying to resolve this matter with usI have taken this opportunity to listen to the recorded telephone calls with Ms [redacted] that were captured by our call recording system and I would like to apologize to her for any mistreatment that she believes she received from our collections staffAfter listening to these calls, I’ve found that the representative who spoke to Ms [redacted] should have spoken to her in a more professional mannerPlease know that the telephone calls in question have been reviewed with the CheckSmart corporate collections employee involvedMs [redacted] should know that the situation has also been reviewed with management and the conversation that occurred with her has been documentedThe employee that Ms [redacted] spoke with has 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, we would like to again extend our apologies for any treatment that Ms [redacted] received that she perceived to be unacceptable As previously stated, Ms [redacted] has an outstanding account balance in the amount of $Because CheckSmart understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amountsAt this time, Ms***’s account has been put in a “Hold” status, meaning that collection efforts have been temporarily suspended on her accountWe are doing this as an accommodation to her and ask that she contact [redacted] , a senior supervisor in our collections area, to make arrangements for payment of her outstanding account balanceMs [redacted] can be reached at ###-###-####, extension ***We ask that Ms [redacted] contact Ms [redacted] to make these arrangements by February 3, If we have not heard from her by that time, collection activity may resume on her 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, [redacted] [redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me Regards, [redacted] ***
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 [redacted] 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, [redacted] ***
[redacted] Regarding complaint # #####, for [redacted] ***, 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 [redacted] *** [redacted] [redacted] [redacted]
[redacted] This letter is in response to your correspondence dated November 19, 2014, regarding the above-referenced matterWe appreciate the role of the Revdex.com in helping to resolve consumer complaints Our records indicate that [redacted] most recently obtained a loan from Insight Capital, LLC (“Easy Money”) on November19, The loan has an agreed-upon repayment date of November 29, If [redacted] chooses not to pay his loan in person at that time, his check may be deposited or the bank account information he provided may be used to debit his account for payment in accordance with his loan agreement My understanding of [redacted] ’s complaint is that Easy Money will not accept a payment plan from himUnder the Community Financial Services Association of America’s (“CFSA”) Best Practice requiring a CFSA Member to offer a customer an Extended Payment Plan (“EPP”), “A customer must ask for the EPP by close of business on the last business day before the loan due date by returning to the office where the loan was originated or by using whatever method was used to obtain the loanTo receive the EPP, a customer must sign an amendment to the loan agreement reflecting the new payment schedule” Our records indicate that [redacted] previously obtained a loan through Easy Money on October 16, 2014, with an agreed-upon repayment date of October 31, [redacted] did not pay his loan on the payment due date; however, representatives of Easy Money’s corporate collections department spoke with [redacted] on November 3, During that telephone conversation, [redacted] indicated he would pay his loan that same day at an Easy Money branch location [redacted] did not make this payment as agreed, and payment of his loan was drafted from his bank account on November 13, 2014, in accordance with his loan agreementWe have no record of [redacted] having previously requested an EPP for repayment of his loan Upon receipt of [redacted] ’s complaint from your office, a District Manager with Easy Money reached out to [redacted] to assist in offering him the EPP option for his current loan due on November 29, To date, we have no record of [redacted] returning that telephone call and entering into an EPP for his current loan If [redacted] is interested in setting up an EPP for his current loan, I would encourage him to visit the Easy Money branch location where he obtained his loan prior to the end of business on November 28, If [redacted] ’s loan qualifies to be enrolled in an EPP, our representatives will be glad to assist him For ease of reference, I have included with our response a copy of [redacted] ’s November 19, 2014, loan agreement, as well as information from the CFSA regarding the EPP option I sincerely hope that the response set forth above has been responsive to both your and [redacted] ’s concernsShould you have any questions, please feel free to contact me Sincerely, [redacted]
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. [redacted] 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. [redacted] ’s account was has been closed and no negative reporting on his credit report has occurred. Should Mr. [redacted] have additional questions, I can be reached at ###-###-####.
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 [redacted] in her complaintAt this time, I would encourage Ms [redacted] 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 [redacted] 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 [redacted] 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
[redacted] 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 [redacted] to resolve his complaint concerns My understanding of [redacted] ’s complaint is that he is seeking a repayment plan for outstanding loans that he recently obtained We have reached out directly to [redacted] to work out a repayment plan that he is agreeable to Once [redacted] 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 [redacted] ’s complaint to our attention Sincerely, [redacted]
[redacted] [redacted] [redacted] Here is the copy of my bank statement with the overdraft fees and I also left a copy in the office $872.00DEC 02, [redacted] -$53.40DEC 01, 2014REJECTED [redacted] -$30.00NOV 22, 2014NSF FEE-$53.40NOV 21, 2014REJECTED [redacted] -$7.95NOV 16, 2014SERVICE CHARGE-$30.00NOV 15, 2014NSF FEE-$53.40NOV 14, 2014REJECTED [redacted]
[redacted] ***: 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, [redacted] Enclosure
This letter responds to your correspondence of April 18, 2013, regarding the above-referenced matterWe appreciate your efforts to help resolve Mr [redacted] ’s concerns Let me start by offering Mr [redacted] an apology for what was clearly our errorAccording to our records, Mr [redacted] requested a loan from Buckeye Lending Solutions, LLC (“CheckSmart”) on November 1, Mr [redacted] ’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 [redacted] did not pay his loan in person on his due date, CheckSmart deposited his checkOur records indicate that Mr [redacted] ’s check was returned as an unpaid item by his financial institution on December 10, As of today’s date, Mr [redacted] ’s account is considered “settled-in-full” Mr [redacted] ’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 [redacted] ’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, [redacted] *fter having the opportunity to research Mr [redacted] ’s complaint, I can confirm that Mr [redacted] did, in fact, settle his outstanding account balance with [redacted] and that payment of $was posted to his account on February 27, Unfortunately, following Mr [redacted] ’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 [redacted] As a result of this error, CheckSmart’s collections efforts continued, and what appeared to be an outstanding account balance owed by Mr [redacted] was sold to another collection agency, [redacted] We have no record of Mr [redacted] previously contacting CheckSmart directly to discuss this matter; however, upon receipt of Mr [redacted] ’s complaint, CheckSmart requested that Mr [redacted] ’s account be closed out and returned to us from [redacted] ***With that in mind, Mr [redacted] ’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 [redacted] ’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 [redacted] 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 [redacted] ’s account reflects a zero balance, and is considered “settled-in-full”We hope that Mr [redacted] will accept our apologies for this situation and know that CheckSmart is committed to its customers and appreciates his business CheckSmart truly regrets Mr [redacted] ’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***
[redacted] 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 *** [redacted] 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 [redacted] with the cash proceeds and the check was depositedIt was subsequently returned as an unpaid item on February 11, 2015, by [redacted] ’ financial institution due to being drawn on a closed accountAs of today’s date, [redacted] owes $for the face value of this check ($800.00) and the returned item fee ($80.00) Our records further indicate that [redacted] cashed an additional check made payable to herself at a CheckSmart location on February 8, 2015, in the amount of $CheckSmart provided [redacted] with the cash proceeds and the check was depositedThis check, too, was subsequently returned as an unpaid item on February 12, 2015, by [redacted] ’ financial institution due to being drawn on a closed accountAs of today’s date, [redacted] owes $for the face value of this check ($650.00) and the returned item fee ($65.00) In her complaint, [redacted] 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 [redacted] ’ 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 [redacted] 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 [redacted] ’ 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 [redacted] received that she perceived to be unacceptable As previously stated, [redacted] has a balance owed for the checks she cashed with CheckSmart that were subsequently returned unpaid by her financial institutionAccording to our records, [redacted] 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 [redacted] ’ concernsShould you have any questions, please feel free to contact me Sincerely, [redacted]
Mr [redacted] ’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 [redacted] on this date, or on any date thereafterAs Mr [redacted] 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 [redacted] ’s account if he provides documentation of his check being cashed by Cash Central
This letter responds to your correspondence of March 11, 2015, and as referenced above. We appreciate the role of your office in helping to resolve consumer complaints. Our records indicate that [redacted] requested a loan from Buckeye Title Loans of California, LLC (“Buckeye Title”) on November... 4, 2013. These loans are intended for longer term borrowing needs. [redacted] loan is to be re-paid in twenty-four monthly installments as follows: December 1, 2013 $394.15 December 1, 2014 $394.15 January 1 2014 $394.15 January 1, 2015 $394.15 February 1, 2014 $394.15 February 1, 2015 $394.15 March 1, 2014 $394.15 March 1, 2015 $394.15 April 1, 2014 $394.15 April 1, 2015 $394.15 May 1, 2014 $394.15 May 1, 2015 $394.15 June 1, 2014 $394.15 June 1, 2015 $394.15 July 1, 2014 $394.15 July 1, 2015 $394.15 August 1, 2014 $394.15 August 1, 2015 $394.15 September 1, 2014 $394.15 September 1, 2015 $394.15 October 1, 2014 $394.15 October 1, 2015 $394.15 November 1, 2014 $394.15 November 1, 2015 $392.94 Our records indicate that [redacted] made the following payments on his loan: December 1, 2013 $412.87 July 1, 2014 $394.15 January 1 2014 $394.15 August 1, 2014 $394.15 February 1, 2014 $405.65 September 1, 2014 $394.15 March 1, 2014 $400.00 October 1, 2014 $394.15 April 1, 2014 $394.15 November 1, 2014 $394.15 May 1, 2014 $394.15 December 1, 2014 $394.15 June 1, 2014 $394.15 January 1, 2015 $111.70 As of today’s date, [redacted] has an outstanding account balance of $2,853.36. For ease of reference, I have included a copy of [redacted] November 4, 2013, loan agreement. [redacted] complaint, as I understand it, is regarding “harassing and threatening” telephone calls he received from Buckeye Title’s corporate collections department. In reviewing our records, I have been unable to validate the claims made by [redacted] in his complaint. I 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 Mr. Scott. Our records indicate that only messages have been left for him. In addition, [redacted] states that Buckeye Title’s corporate collections department harassed his mother. I can confirm that one telephone call was placed to [redacted] mother; however, we did not make contact with her and only a voicemail message was left. Regardless, our collections department employees are trained to be professional and supervisors monitor calls regularly to make sure that they are professional. Collectors 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 expectations. It is never Buckeye Title’s intention to treat any of our customers in a poor manner. As such, should any conversations have occurred that [redacted] or his mother truly perceived to be unacceptable, we would like to extend our apologies to them for their experience. As previously stated, [redacted] outstanding account balance as of today’s date is $2,853.36; however, in accordance with his Agreement, [redacted] loan continues to accrue interest on a daily basis. In his complaint, [redacted] appears to be looking for a way to fully pay off his loan. Because Buckeye Title understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amounts. At this time, we have placed [redacted] account in a “HOLD” status, meaning that Buckeye Title’s collections efforts have been temporarily suspended. We are doing this as an accommodation to [redacted] and ask that he contact [redacted] , a senior supervisor in our collections department, to make arrangements for payment of his outstanding account balance. [redacted] can be reached at ###-###-####, extension ***. We ask that [redacted] contact [redacted] prior to April 20, 2015 to make these arrangements. We hope that [redacted] will take this opportunity to contact [redacted] . We sincerely hope that you find the response set forth above and the enclosed copy of [redacted] loan agreement acceptable in addressing both your and [redacted] concerns. Should you have any additional questions or if I can be of any further assistance, please feel free to contact me. Sincerely, [redacted]
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 [redacted] ’s concerns At this time, it appears that we have provided all relevant, factual information addressing [redacted] ’s concerns from his original complaintAs I already indicated in our previous response dated December 12, 2014, I’d like to apologize to [redacted] 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, [redacted] 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 [redacted] and I assure you that at no time was [redacted] referred to as a “deadbeat”; nonetheless, I would like to apologize to [redacted] for any conversations that occurred that he perceived to be unacceptable In our previous response, CheckSmart offered to waive the remaining balance due on [redacted] ’s account; however, it is not clear whether or not [redacted] is accepting of this offer to resolve his complaintPlease clarify with [redacted] if he accepts this offer to resolve his complaintAs of today’s date, the outstanding balance of [redacted] ’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, [redacted]
Dear [redacted] : 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 [redacted] ’s concerns Our records indicate that [redacted] initiated an open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on October 14, [redacted] initially took an advance of $on that same dateOur records indicate that [redacted] ’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 [redacted] ’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 [redacted] 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 [redacted] 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 [redacted] ’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”, [redacted] 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 [redacted] stating that she wished to cancel the automatic payments made from her account; however, as a result of [redacted] ’s complaint with your office, as of today’s date we have opted [redacted] out of any future automatic paymentsPlease understand that, in order to prevent [redacted] ’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 [redacted] ’s concernsShould you have any questions or need additional information, please feel free to contact me Sincerely, [redacted]
This responds to your correspondence dated November 13, 2014, regarding the above-referenced matter CheckSmart previously attempted to work directly with [redacted] to resolve her concernsA representative of CheckSmart previously spoke with the Branch Manager at [redacted] ***’s financial institution to discuss this situation and assist her in resolving her concernsThe Branch Manager that our representative spoke with had indicated they had reimbursed [redacted] for some of the fees that she had been assessed and that Branch Manager also advised our representative that it would be best for [redacted] to come to his office to go over the remaining fees and determine what needed to be refundedAt that time, the representative from CheckSmart that was assisting [redacted] asked her to send us her findings with her financial institution so that we could coordinate any further refund she may be owed [redacted] was asked to fax us this information; however, to date, we have not received anything further from [redacted] or the Branch Manager of her financial institution that we previously discussed this situation with In order to further assist her in her request, we ask that [redacted] provide us with a full copy of her bank statement ( [redacted] is welcome to black out her personal account information, but we ask that transactional data not be blacked out) We look forward to receiving this documentation and will immediately refund any fees that were assessed to her as a result of this situationIf, in the meantime, I can be of any further assistance, please do not hesitate to contact me Sincerely, [redacted]
Thank you for the opportunity to respond to the recently filed complaint of [redacted] ***We appreciatethe role the Revdex.com serves in resolving consumer concerns and hope to address the sameherein.Mr***'s complaint, he appears to feel that the interest rate associated with his loan is too high.In the state of California, when one possesses a Finance Lenders License issued pursuant to FinancialCode #et seq., there is no APR cap on loan amounts over $2,As such, the loan is notrestricted nor subject to any usury limitsThe contract includes the disclosure:Important Notice to Borrower: THIS IS A HIGH COST LOANYOU MAY BE ABLE TOOBTAIN A LOWER RATE OF FINANCE CHARGETHINK CAREFULLY BEFORE YOU DECIDETO TAKE THIS LOAN.Our records confirm, on September 1, 2016, Cash Central did mail Mr [redacted] a copy of his loan contractas requested.In reviewing Mr***'s account, an installment Loan in the amount of $2,was obtained onFebruary 15, 2016, with an effective date of February 16, This was a monthly loan with 23payments of $and payment of $399.00.In his complaint, Mr [redacted] states he has "already paid back the loan plus interest", and has requestedCash Central close his accountOur records confirm, Cash Central has received payments of $400.39($1,601.56) toward the balanceMr [redacted] currently has a past due balance due for $415.39.Per Mr***'s request, Cash Central has placed a hold on his account, which means collection attemptshave been temporarily suspended.As a gesture of good faith, Cash Central is willing to settle Mr***'s account for $to recover theoriginal principal amount, which can either be paid in a lump sum or may be paid in three monthlypaymentsPlease ask Mr [redacted] to call me directly at ###-###-#### or by email at [redacted] to accept this offer
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 ( [redacted] ) 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, [redacted]
January 20, Revdex.com of Central ***, Inc Dublin Road Columbus, OH 43215- Re: Revdex.com Complaint No [redacted] – [redacted] Dear Ms [redacted] , This letter is in response to your correspondence dated January 14, 2015, and as referenced aboveThank you for bringing Ms ***’s complaint to our attentionWe appreciate the role that the Revdex.com plays in mediating consumer complaints According to our records, Ms [redacted] sought the assistance of Buckeye Credit Solutions, LLC (“CheckSmart”), an [redacted] Credit Services Organization (“CSO”), in obtaining a loan with [redacted] ***, LLC (“***”), an [redacted] Mortgage Loan Act licenseeOn November 13, 2014, Ms [redacted] borrowed $649.15, which includes an “Amount [redacted] d” of $and a “Prepaid [redacted] Charge” of $Ms***’s loan was payable in two installment payments, detailed as follows: November 27, $ December 11, $ Our records indicate that, to date, Ms [redacted] has not made payment on her loan and, as of today’s date, has an outstanding account balance in the amount of $ Ms***’s complaint, as I understand it, is regarding “rude” treatment that he feels he received from a representative of CheckSmart’s corporate collections department when trying to resolve this matter with usI have taken this opportunity to listen to the recorded telephone calls with Ms [redacted] that were captured by our call recording system and I would like to apologize to her for any mistreatment that she believes she received from our collections staffAfter listening to these calls, I’ve found that the representative who spoke to Ms [redacted] should have spoken to her in a more professional mannerPlease know that the telephone calls in question have been reviewed with the CheckSmart corporate collections employee involvedMs [redacted] should know that the situation has also been reviewed with management and the conversation that occurred with her has been documentedThe employee that Ms [redacted] spoke with has 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, we would like to again extend our apologies for any treatment that Ms [redacted] received that she perceived to be unacceptable As previously stated, Ms [redacted] has an outstanding account balance in the amount of $Because CheckSmart understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amountsAt this time, Ms***’s account has been put in a “Hold” status, meaning that collection efforts have been temporarily suspended on her accountWe are doing this as an accommodation to her and ask that she contact [redacted] , a senior supervisor in our collections area, to make arrangements for payment of her outstanding account balanceMs [redacted] can be reached at ###-###-####, extension ***We ask that Ms [redacted] contact Ms [redacted] to make these arrangements by February 3, If we have not heard from her by that time, collection activity may resume on her 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, [redacted] [redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me Regards, [redacted] ***
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 [redacted] 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, [redacted] ***
[redacted] Regarding complaint # #####, for [redacted] ***, 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 [redacted] *** [redacted] [redacted] [redacted]
[redacted] This letter is in response to your correspondence dated November 19, 2014, regarding the above-referenced matterWe appreciate the role of the Revdex.com in helping to resolve consumer complaints Our records indicate that [redacted] most recently obtained a loan from Insight Capital, LLC (“Easy Money”) on November19, The loan has an agreed-upon repayment date of November 29, If [redacted] chooses not to pay his loan in person at that time, his check may be deposited or the bank account information he provided may be used to debit his account for payment in accordance with his loan agreement My understanding of [redacted] ’s complaint is that Easy Money will not accept a payment plan from himUnder the Community Financial Services Association of America’s (“CFSA”) Best Practice requiring a CFSA Member to offer a customer an Extended Payment Plan (“EPP”), “A customer must ask for the EPP by close of business on the last business day before the loan due date by returning to the office where the loan was originated or by using whatever method was used to obtain the loanTo receive the EPP, a customer must sign an amendment to the loan agreement reflecting the new payment schedule” Our records indicate that [redacted] previously obtained a loan through Easy Money on October 16, 2014, with an agreed-upon repayment date of October 31, [redacted] did not pay his loan on the payment due date; however, representatives of Easy Money’s corporate collections department spoke with [redacted] on November 3, During that telephone conversation, [redacted] indicated he would pay his loan that same day at an Easy Money branch location [redacted] did not make this payment as agreed, and payment of his loan was drafted from his bank account on November 13, 2014, in accordance with his loan agreementWe have no record of [redacted] having previously requested an EPP for repayment of his loan Upon receipt of [redacted] ’s complaint from your office, a District Manager with Easy Money reached out to [redacted] to assist in offering him the EPP option for his current loan due on November 29, To date, we have no record of [redacted] returning that telephone call and entering into an EPP for his current loan If [redacted] is interested in setting up an EPP for his current loan, I would encourage him to visit the Easy Money branch location where he obtained his loan prior to the end of business on November 28, If [redacted] ’s loan qualifies to be enrolled in an EPP, our representatives will be glad to assist him For ease of reference, I have included with our response a copy of [redacted] ’s November 19, 2014, loan agreement, as well as information from the CFSA regarding the EPP option I sincerely hope that the response set forth above has been responsive to both your and [redacted] ’s concernsShould you have any questions, please feel free to contact me Sincerely, [redacted]
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. [redacted] 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. [redacted] ’s account was has been closed and no negative reporting on his credit report has occurred. Should Mr. [redacted] have additional questions, I can be reached at ###-###-####.
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 [redacted] in her complaintAt this time, I would encourage Ms [redacted] 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 [redacted] 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 [redacted] 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
[redacted] 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 [redacted] to resolve his complaint concerns My understanding of [redacted] ’s complaint is that he is seeking a repayment plan for outstanding loans that he recently obtained We have reached out directly to [redacted] to work out a repayment plan that he is agreeable to Once [redacted] 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 [redacted] ’s complaint to our attention Sincerely, [redacted]
[redacted] [redacted] [redacted] Here is the copy of my bank statement with the overdraft fees and I also left a copy in the office $872.00DEC 02, [redacted] -$53.40DEC 01, 2014REJECTED [redacted] -$30.00NOV 22, 2014NSF FEE-$53.40NOV 21, 2014REJECTED [redacted] -$7.95NOV 16, 2014SERVICE CHARGE-$30.00NOV 15, 2014NSF FEE-$53.40NOV 14, 2014REJECTED [redacted]
[redacted] ***: 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, [redacted] Enclosure
I have not heard anything from the company
This letter responds to your correspondence of April 18, 2013, regarding the above-referenced matterWe appreciate your efforts to help resolve Mr [redacted] ’s concerns Let me start by offering Mr [redacted] an apology for what was clearly our errorAccording to our records, Mr [redacted] requested a loan from Buckeye Lending Solutions, LLC (“CheckSmart”) on November 1, Mr [redacted] ’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 [redacted] did not pay his loan in person on his due date, CheckSmart deposited his checkOur records indicate that Mr [redacted] ’s check was returned as an unpaid item by his financial institution on December 10, As of today’s date, Mr [redacted] ’s account is considered “settled-in-full” Mr [redacted] ’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 [redacted] ’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, [redacted] *fter having the opportunity to research Mr [redacted] ’s complaint, I can confirm that Mr [redacted] did, in fact, settle his outstanding account balance with [redacted] and that payment of $was posted to his account on February 27, Unfortunately, following Mr [redacted] ’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 [redacted] As a result of this error, CheckSmart’s collections efforts continued, and what appeared to be an outstanding account balance owed by Mr [redacted] was sold to another collection agency, [redacted] We have no record of Mr [redacted] previously contacting CheckSmart directly to discuss this matter; however, upon receipt of Mr [redacted] ’s complaint, CheckSmart requested that Mr [redacted] ’s account be closed out and returned to us from [redacted] ***With that in mind, Mr [redacted] ’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 [redacted] ’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 [redacted] 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 [redacted] ’s account reflects a zero balance, and is considered “settled-in-full”We hope that Mr [redacted] will accept our apologies for this situation and know that CheckSmart is committed to its customers and appreciates his business CheckSmart truly regrets Mr [redacted] ’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***
[redacted] 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 *** [redacted] 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 [redacted] with the cash proceeds and the check was depositedIt was subsequently returned as an unpaid item on February 11, 2015, by [redacted] ’ financial institution due to being drawn on a closed accountAs of today’s date, [redacted] owes $for the face value of this check ($800.00) and the returned item fee ($80.00) Our records further indicate that [redacted] cashed an additional check made payable to herself at a CheckSmart location on February 8, 2015, in the amount of $CheckSmart provided [redacted] with the cash proceeds and the check was depositedThis check, too, was subsequently returned as an unpaid item on February 12, 2015, by [redacted] ’ financial institution due to being drawn on a closed accountAs of today’s date, [redacted] owes $for the face value of this check ($650.00) and the returned item fee ($65.00) In her complaint, [redacted] 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 [redacted] ’ 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 [redacted] 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 [redacted] ’ 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 [redacted] received that she perceived to be unacceptable As previously stated, [redacted] has a balance owed for the checks she cashed with CheckSmart that were subsequently returned unpaid by her financial institutionAccording to our records, [redacted] 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 [redacted] ’ concernsShould you have any questions, please feel free to contact me Sincerely, [redacted]
Mr [redacted] ’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 [redacted] on this date, or on any date thereafterAs Mr [redacted] 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 [redacted] ’s account if he provides documentation of his check being cashed by Cash Central
This letter responds to your correspondence of March 11, 2015, and as referenced above. We appreciate the role of your office in helping to resolve consumer complaints. Our records indicate that [redacted] requested a loan from Buckeye Title Loans of California, LLC (“Buckeye Title”) on November... 4, 2013. These loans are intended for longer term borrowing needs. [redacted] loan is to be re-paid in twenty-four monthly installments as follows: December 1, 2013 $394.15 December 1, 2014 $394.15 January 1 2014 $394.15 January 1, 2015 $394.15 February 1, 2014 $394.15 February 1, 2015 $394.15 March 1, 2014 $394.15 March 1, 2015 $394.15 April 1, 2014 $394.15 April 1, 2015 $394.15 May 1, 2014 $394.15 May 1, 2015 $394.15 June 1, 2014 $394.15 June 1, 2015 $394.15 July 1, 2014 $394.15 July 1, 2015 $394.15 August 1, 2014 $394.15 August 1, 2015 $394.15 September 1, 2014 $394.15 September 1, 2015 $394.15 October 1, 2014 $394.15 October 1, 2015 $394.15 November 1, 2014 $394.15 November 1, 2015 $392.94 Our records indicate that [redacted] made the following payments on his loan: December 1, 2013 $412.87 July 1, 2014 $394.15 January 1 2014 $394.15 August 1, 2014 $394.15 February 1, 2014 $405.65 September 1, 2014 $394.15 March 1, 2014 $400.00 October 1, 2014 $394.15 April 1, 2014 $394.15 November 1, 2014 $394.15 May 1, 2014 $394.15 December 1, 2014 $394.15 June 1, 2014 $394.15 January 1, 2015 $111.70 As of today’s date, [redacted] has an outstanding account balance of $2,853.36. For ease of reference, I have included a copy of [redacted] November 4, 2013, loan agreement. [redacted] complaint, as I understand it, is regarding “harassing and threatening” telephone calls he received from Buckeye Title’s corporate collections department. In reviewing our records, I have been unable to validate the claims made by [redacted] in his complaint. I 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 Mr. Scott. Our records indicate that only messages have been left for him. In addition, [redacted] states that Buckeye Title’s corporate collections department harassed his mother. I can confirm that one telephone call was placed to [redacted] mother; however, we did not make contact with her and only a voicemail message was left. Regardless, our collections department employees are trained to be professional and supervisors monitor calls regularly to make sure that they are professional. Collectors 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 expectations. It is never Buckeye Title’s intention to treat any of our customers in a poor manner. As such, should any conversations have occurred that [redacted] or his mother truly perceived to be unacceptable, we would like to extend our apologies to them for their experience. As previously stated, [redacted] outstanding account balance as of today’s date is $2,853.36; however, in accordance with his Agreement, [redacted] loan continues to accrue interest on a daily basis. In his complaint, [redacted] appears to be looking for a way to fully pay off his loan. Because Buckeye Title understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amounts. At this time, we have placed [redacted] account in a “HOLD” status, meaning that Buckeye Title’s collections efforts have been temporarily suspended. We are doing this as an accommodation to [redacted] and ask that he contact [redacted] , a senior supervisor in our collections department, to make arrangements for payment of his outstanding account balance. [redacted] can be reached at ###-###-####, extension ***. We ask that [redacted] contact [redacted] prior to April 20, 2015 to make these arrangements. We hope that [redacted] will take this opportunity to contact [redacted] . We sincerely hope that you find the response set forth above and the enclosed copy of [redacted] loan agreement acceptable in addressing both your and [redacted] concerns. Should you have any additional questions or if I can be of any further assistance, please feel free to contact me. Sincerely, [redacted]
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 [redacted] ’s concerns At this time, it appears that we have provided all relevant, factual information addressing [redacted] ’s concerns from his original complaintAs I already indicated in our previous response dated December 12, 2014, I’d like to apologize to [redacted] 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, [redacted] 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 [redacted] and I assure you that at no time was [redacted] referred to as a “deadbeat”; nonetheless, I would like to apologize to [redacted] for any conversations that occurred that he perceived to be unacceptable In our previous response, CheckSmart offered to waive the remaining balance due on [redacted] ’s account; however, it is not clear whether or not [redacted] is accepting of this offer to resolve his complaintPlease clarify with [redacted] if he accepts this offer to resolve his complaintAs of today’s date, the outstanding balance of [redacted] ’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, [redacted]
Dear [redacted] : 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 [redacted] ’s concerns Our records indicate that [redacted] initiated an open-ended line of credit with First Virginia Financial Services, LLC (“First Virginia”) on October 14, [redacted] initially took an advance of $on that same dateOur records indicate that [redacted] ’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 [redacted] ’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 [redacted] 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 [redacted] 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 [redacted] ’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”, [redacted] 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 [redacted] stating that she wished to cancel the automatic payments made from her account; however, as a result of [redacted] ’s complaint with your office, as of today’s date we have opted [redacted] out of any future automatic paymentsPlease understand that, in order to prevent [redacted] ’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 [redacted] ’s concernsShould you have any questions or need additional information, please feel free to contact me Sincerely, [redacted]
This responds to your correspondence dated November 13, 2014, regarding the above-referenced matter CheckSmart previously attempted to work directly with [redacted] to resolve her concernsA representative of CheckSmart previously spoke with the Branch Manager at [redacted] ***’s financial institution to discuss this situation and assist her in resolving her concernsThe Branch Manager that our representative spoke with had indicated they had reimbursed [redacted] for some of the fees that she had been assessed and that Branch Manager also advised our representative that it would be best for [redacted] to come to his office to go over the remaining fees and determine what needed to be refundedAt that time, the representative from CheckSmart that was assisting [redacted] asked her to send us her findings with her financial institution so that we could coordinate any further refund she may be owed [redacted] was asked to fax us this information; however, to date, we have not received anything further from [redacted] or the Branch Manager of her financial institution that we previously discussed this situation with In order to further assist her in her request, we ask that [redacted] provide us with a full copy of her bank statement ( [redacted] is welcome to black out her personal account information, but we ask that transactional data not be blacked out) We look forward to receiving this documentation and will immediately refund any fees that were assessed to her as a result of this situationIf, in the meantime, I can be of any further assistance, please do not hesitate to contact me Sincerely, [redacted]