Thank you for the opportunity to respond to the recently
filed complaint of [redacted]. We appreciate the role the RevDex.com serves in resolving consumer concerns.
In reviewing Ms. [redacted]’s account, our records indicate on
April 28, 2015, a refund in the amount of $289.00 was...
made to Ms. [redacted]. We would be happy to refund Mrs. [redacted] for
the overdraft fees she was charged from her bank. In order to do, we ask her to send copies of
her bank statement showing the fees she was charged. Ms. [redacted] can contact me directly at
###-###-#### and I would be happy to provide her with a fax number. We
apologize for the inconvenience this has caused.
Should you or Ms. [redacted] have any
additional questions, I can be contact directly by phone at ###-###-####.
[redacted]:
We are in receipt of your letter dated January 8, 2015, in which you requested validation of your loan. Your 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 loan. In accordance with the terms of your Agreement, you received a $223.00 loan effective December 5, 2014, with a finance charge of $33.45. Your loan was due for repayment on December 26, 2014, and you provided a check to pay the loan on that date. CheckSmart 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 $281.45.
Thank you for doing business with CheckSmart and please let me know if I can help in any other way.
Sincerely, [redacted] Enclosure
[redacted] This letter is in response to your correspondence dated February 26, 2014, regarding the above-referenced matter. We 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]
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 $499.05. Cash Central never received a payment from [redacted] on this date, or on any date thereafter. As Mr. [redacted] failed to meet the agreed terms of his settlement agreement, the entire outstanding balance of his loan in the amount of $3,876.99 remains past due. This is the information reported accurately on his credit report to Experian. Cash Central is happy to update Mr. [redacted]’s account if he provides documentation of his check being cashed by Cash Central.
January 20, 2015 Revdex.com of Central [redacted], Inc.
1169 Dublin Road
Columbus, OH 43215-1005
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 above. Thank you for bringing Ms....
[redacted]’s complaint to our attention. We 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 (“[redacted]”), an [redacted] Mortgage Loan Act licensee. On November 13, 2014, Ms. [redacted] borrowed $649.15, which includes an “Amount [redacted]d” of $500.00 and a “Prepaid [redacted] Charge” of $149.15. Ms. [redacted]’s loan was payable in two installment payments, detailed as follows:
November 27, 2014 $74.57
December 11, 2014 $574.58
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 $651.98.
Ms. [redacted]’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 us. I 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 staff. After listening to these calls, I’ve found that the representative who spoke to Ms. [redacted] should have spoken to her in a more professional manner. Please know that the telephone calls in question have been reviewed with the CheckSmart corporate collections employee involved. Ms. [redacted] should know that the situation has also been reviewed with management and the conversation that occurred with her has been documented. The employee that Ms. [redacted] spoke with has been reminded of CheckSmart’s commitment to customer service. It is never CheckSmart’s intention to treat any of our customers in a poor manner. As 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 $651.92. Because CheckSmart understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amounts. At this time, Ms. [redacted]’s account has been put in a “Hold” status, meaning that collection efforts have been temporarily suspended on her account. We 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 balance. Ms. [redacted] can be reached at ###-###-####, extension [redacted]. We ask that Ms. [redacted] contact Ms. [redacted] to make these arrangements by February 3, 2015. 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 matter. Should you have any additional questions, please feel free to contact me.
Sincerely, [redacted] [redacted]
[redacted] This letter responds to your correspondence of March 26, 2015 regarding the above-referenced matter. We appreciate the opportunity to respond and thank your office for its efforts in mediating consumer complaints.
Our records indicate that [redacted]...
[redacted] cashed a check made payable to herself at a Buckeye Check Cashing, Inc. (“CheckSmart”) location on February 6, 2015, in the amount of $800.00. CheckSmart provided [redacted] with the cash proceeds and the check was deposited. It was subsequently returned as an unpaid item on February 11, 2015, by [redacted]’ financial institution due to being drawn on a closed account. As of today’s date, [redacted] owes $880.00 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 $650.00. CheckSmart provided [redacted] with the cash proceeds and the check was deposited. This check, too, was subsequently returned as an unpaid item on February 12, 2015, by [redacted]’ financial institution due to being drawn on a closed account. As of today’s date, [redacted] owes $715.00 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 department. Our collections department employees are trained to be professional and supervisors monitor calls regularly to make sure that they are professional. I 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 CheckSmart. I agree that the collections representatives that spoke with [redacted] should have used a more professional tone during their conversations. Please know that the telephone calls in question have been reviewed with the CheckSmart corporate collections employees involved. [redacted]’ concerns have also been reviewed with management. The employees involved have been reminded of CheckSmart’s commitment to customer service. It is never CheckSmart’s intention to treat any of our customers in a poor manner. As 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 institution. According 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 $1,595.00.
I sincerely hope that I have been able to address both your and [redacted]’ concerns. Should you have any questions, please feel free to contact me.
Sincerely,
[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 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 [redacted]. 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]
Thank you for the opportunity to respond to the recently
filed complaint of [redacted]. We appreciate the role the RevDex.com serves in resolving consumer concerns.
In reviewing Ms. [redacted]’s account, our records indicate on
April 28, 2015, a refund in the amount of $289.00 was...
made to Ms. [redacted]. We would be happy to refund Mrs. [redacted] for
the overdraft fees she was charged from her bank. In order to do, we ask her to send copies of
her bank statement showing the fees she was charged. Ms. [redacted] can contact me directly at
###-###-#### and I would be happy to provide her with a fax number. We
apologize for the inconvenience this has caused.
Should you or Ms. [redacted] have any
additional questions, I can be contact directly by phone at ###-###-####.
[redacted]:
We are in receipt of your letter dated January 8, 2015, in which you requested validation of your loan. Your 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 loan. In accordance with the terms of your Agreement, you received a $223.00 loan effective December 5, 2014, with a finance charge of $33.45. Your loan was due for repayment on December 26, 2014, and you provided a check to pay the loan on that date. CheckSmart 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 $281.45.
Thank you for doing business with CheckSmart and please let me know if I can help in any other way.
Sincerely, [redacted] Enclosure
[redacted] This letter is in response to your correspondence dated February 26, 2014, regarding the above-referenced matter. We 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]
I have not heard anything from the company
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 $499.05. Cash Central never received a payment from [redacted] on this date, or on any date thereafter. As Mr. [redacted] failed to meet the agreed terms of his settlement agreement, the entire outstanding balance of his loan in the amount of $3,876.99 remains past due. This is the information reported accurately on his credit report to Experian. Cash Central is happy to update Mr. [redacted]’s account if he provides documentation of his check being cashed by Cash Central.
January 20, 2015 Revdex.com of Central [redacted], Inc.
1169 Dublin Road
Columbus, OH 43215-1005
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 above. Thank you for bringing Ms....
[redacted]’s complaint to our attention. We 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 (“[redacted]”), an [redacted] Mortgage Loan Act licensee. On November 13, 2014, Ms. [redacted] borrowed $649.15, which includes an “Amount [redacted]d” of $500.00 and a “Prepaid [redacted] Charge” of $149.15. Ms. [redacted]’s loan was payable in two installment payments, detailed as follows:
November 27, 2014 $74.57
December 11, 2014 $574.58
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 $651.98.
Ms. [redacted]’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 us. I 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 staff. After listening to these calls, I’ve found that the representative who spoke to Ms. [redacted] should have spoken to her in a more professional manner. Please know that the telephone calls in question have been reviewed with the CheckSmart corporate collections employee involved. Ms. [redacted] should know that the situation has also been reviewed with management and the conversation that occurred with her has been documented. The employee that Ms. [redacted] spoke with has been reminded of CheckSmart’s commitment to customer service. It is never CheckSmart’s intention to treat any of our customers in a poor manner. As 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 $651.92. Because CheckSmart understands that these are challenging times, we have procedures set up to allow for payoffs of outstanding amounts. At this time, Ms. [redacted]’s account has been put in a “Hold” status, meaning that collection efforts have been temporarily suspended on her account. We 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 balance. Ms. [redacted] can be reached at ###-###-####, extension [redacted]. We ask that Ms. [redacted] contact Ms. [redacted] to make these arrangements by February 3, 2015. 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 matter. Should you have any additional questions, please feel free to contact me.
Sincerely, [redacted] [redacted]
[redacted] This letter responds to your correspondence of March 26, 2015 regarding the above-referenced matter. We appreciate the opportunity to respond and thank your office for its efforts in mediating consumer complaints.
Our records indicate that [redacted]...
[redacted] cashed a check made payable to herself at a Buckeye Check Cashing, Inc. (“CheckSmart”) location on February 6, 2015, in the amount of $800.00. CheckSmart provided [redacted] with the cash proceeds and the check was deposited. It was subsequently returned as an unpaid item on February 11, 2015, by [redacted]’ financial institution due to being drawn on a closed account. As of today’s date, [redacted] owes $880.00 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 $650.00. CheckSmart provided [redacted] with the cash proceeds and the check was deposited. This check, too, was subsequently returned as an unpaid item on February 12, 2015, by [redacted]’ financial institution due to being drawn on a closed account. As of today’s date, [redacted] owes $715.00 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 department. Our collections department employees are trained to be professional and supervisors monitor calls regularly to make sure that they are professional. I 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 CheckSmart. I agree that the collections representatives that spoke with [redacted] should have used a more professional tone during their conversations. Please know that the telephone calls in question have been reviewed with the CheckSmart corporate collections employees involved. [redacted]’ concerns have also been reviewed with management. The employees involved have been reminded of CheckSmart’s commitment to customer service. It is never CheckSmart’s intention to treat any of our customers in a poor manner. As 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 institution. According 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 $1,595.00.
I sincerely hope that I have been able to address both your and [redacted]’ concerns. Should you have any questions, please feel free to contact me.
Sincerely,
[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 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 [redacted]. 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]