Money Mart/Loan Mart

I am rejecting this response because: I don't owe Money Mart anythingIf I ever owed a loan I made sure to pay it offWhy does my place of employment have to get involved? They did there partNow it's up to Money Mart to fix this situationI want all the money owed by Money Mart to me or I might have to take this up in courtWhat they're saying doesn't add up to meSome of the dates are irrelevant and don't comply with the dates that I told you aboutMatter of fact, those dates that I cashed the check, I never had any problems cashing a check in June or the beginning of July for that matterI refuse to have my complaint swept under the rug and it hasn't been resolved

We are sorry your move was not incident free and understand your concerns. We take claims seriously and strive to complete each move with 100% satisfactionThe box of clothing the customer claims he did not receive was packed by owner, and we have no evidence to substantiate the exact
contents of this carton. There is no clear evidence that the items ever came into our possession. The value of the clothing being claimed is high in value and should have been listed as such on the High Value Inventory sheet. This document is for items defined as those having a value greater than $per pound The high dollar clothing being claimed falls into this categorySince there is no evidence that we received these items we have denied liability and hope you can understand our position in this matter

Carey Moving & Storage does not dispute the damage claimed. As the customer states the total of the claim is approximately $150.00. The customer had a $deductible which was greater than the repair total Attached is a copy of the Order for Service where he signed that he
received the “Ready to Move” brochure and “Rights and Responsibilities” booklet that outlines the carrier’s liability, as seen in the blue highlighted areas

We are sorry *** *** feels we are responsible for the damage to the refrigeratorA third party service was employed to service the refrigerator prior to being moved out of the home on January 12, into our storage facilityThe shipment was then moved back into the home on February 19,
and the refrigerator was serviced again by the third party to hook everything back up accordingly
While *** *** feels that the freezing temperatures caused this problem please note that we have moved a multitude of refrigerators with much more colder and sustained temperatures than this one day of cold and have not incurred a problem when the appliance has been serviced and feel perhaps there were other issues with the refrigerator that might have caused the problem
While we can appreciate *** ***'s dilemma we cannot be held responsible for something that is beyond our control or an Act of God, such as the weather, that could bring about a pre-existing problem
We will, however as a goodwill gesture and with no claim of liability, offer *** *** $for a replacement part to conclude his claimIf this is acceptable please confirm and we will issue a check

Forwarded message ----------From: *** *** ***Date: Mon, Aug 31, at 8:PMSubject: COMPLAINT....To: *** I HAVE HEARD FROM CAREY MOVING AND STORAGE AND THEY HAVE AGREED TO CUT A CHECK FOR $*** SO I CONSIDER THIS CLAIM TO BE RESOLVED THANK YOU FOR YOUR TIME THE COMPLAINT # IS *** LET ME KNOW IF THERE IS ANYTHING FURTHER THAT I HAVE TO DO REGARDS, *** *** ***

Unfortunately, the first submission of this complaint referenced the incorrect Money Mart location. As a result, we investigated the wrong location of Money Mart resulting in an inconclusive investigation. After speaking with the store employees, it was determined that there was a shortage of cash that day. While the employees don’t recall MsDavis specifically, they acknowledge that several customers were directed to other Money Mart locations to complete their transactions due to the cash shortageWe sincerely apologize if there was any belief that Ms*** was turned away due to race. We assure you that the need to direct customers to other locations was strictly due to the cash shortage

Revdex.com:
Thank you for the offer to have my complaint heard by Mediation, but at this time I do not wish to pursue this option, BECAUSE I am convinced they will not pay to have the refrigerator repaired.  They have made this clear. What else can I do?  I have waited months for full function to be restored, and nothing has happened.  And, I'm sure, nothing will happen .  So, I will pay to have it fixed myself.  What else can I do?  They refuse to take responsibility, and I'm just a consumer not a company with deep pockets.  And it's unfair and immoral and  unjust.
Regards,
[redacted]

After performing additional research, BOTJ discovered that it did indeed have the ability to transmit the appraisal via XML. The document was subsequently sent to the customer in the requested format. BOTJ apologizes for any inconvenience.

On August 17th, 2017, Bank of the James did e-mail me the XML file that was previously requested.  Although it didn't do us much good since we had to order a new appraisal due to the initial denial by BOJ, we are satisfied that we received the full appraisal. 
Regards,
[redacted]

Bank of the James is in receipt of the complaint filed with the Revdex.com of Western Virginia on March 20, 2016 by [redacted] This complaint is related to a mortgage loan application submitted to Bank of the James Mortgage Division in January 2016 through Mr. [redacted], a...

registered Mortgage Loan Originator.Mr. and Mrs. [redacted] have expressed their dissatisfaction with the mortgage loan process, and more specifically, the mortgage loan originator, Mr., [redacted]. Without disclosing personal and private customer information with a third party, Bank of the James informs you and confirms that it has responded to the customer’s concerns under separate written cover.  In addition, Mr. [redacted], President of Bank of the James Mortgage Division, and Mr. [redacted]’ direct supervisor, has personally contacted the customers to discuss their complaint and to respond to their stated and desired settlement for a  refund of $450.00 for the VA Appraisal Fee, $275.00 for the Home Inspection Fee, and $3,600.00 for three months’ rent. Bank of the James does agree that a better line of communication between the customers and [redacted], the mortgage loan originator should have occurred.  But the Bank of the James denies that there were any improprieties or violations of applicable laws or regulations.  In any event, Bank of the James has apologized to Mr. and Mrs. [redacted] for the lack of communication and apparent confusion, and the Bank of the James has agreed to pay a monetary settlement to Mr. and Mrs. [redacted] in acknowledgement of their inconvenience.This matter has been amicably settled between Bank of the James and Mr. and Mrs. [redacted] No further communications to The Revdex.com of Western Virginia is warranted at this time. Sincerely, [redacted] Compliance OfficerCc: [redacted]

Monetary Management of California, Inc. d/b/a Money Mart hereby respectfully responds to the above-referenced complaint. According to our records, Ms. [redacted] obtained a loan from Money Mart on July 24, 2015. This loan was due on July 31, 2015. Ms. [redacted] did not return to the store to pay in...

cash by the close of business on the due date. According to the terms of the loan agreement, payment was submitted electronically on August 4, 2015. It was returned by her bank unpaid on August 10, 2015.After conducting a full review of our records, we are unable to verify Ms. [redacted]'s claim that we stated  that her loan payment would be deferred until August 13, 2015. Although the contract clearly stated that the loan was due on July 31, 2015. Ms. [redacted]'s check references "8/13/15" in the memo line. This indicates that the store may not have clearly communicated the correct due date to Ms. [redacted] at the time of the transaction. Thus, if Ms. [redacted] can provide proof of the fee charged by her bank, we will refund the bank fee that was a result of the misunderstood due date.Please extend our apologies to Ms. [redacted] for any inconvenience she experienced. I encourage her to contact me directly to provide proof of the bank fee at [email protected]. If you have further questions, please do not hesitate to contact me at [redacted]. Thank you.Sincerely,[redacted]Compliance Analyst

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

Good morning [redacted]This was turned over to [redacted] claim department in Ft.Wayne Indiana on 8/24/2015. Due to the nature of the claim and due to the "lapse in time and absence control on the Carrier's part we are unable to confirm the the claimed damage is transit damage. The customer did not notify...

any one of damages until 8/3/2015 and the customer delivered on 11/7/2014 to their residence.   The customer also packed everything and these are PBO'S  (packed by owner) which are not covered under the valuation terms as we have no control on the packing or items in cartons. There was no noted damage to the cartons on the customer check off sheet to indicated damages at time of delivery.  This is a requirement of the customer for any claim to be considered of cartons that are PBO'S.  Inventory which is done at origin list furniture and description of the piece as well as any marks (scratch,dented,rubbed) etc. and the customer signs at origin and receives a copy. The ar armoire  in question is listed on her inventory with the handle missing, scratched and chipped  at origin before it was even loaded. All property damage has to be reported within 24 hours of delivery and that is the policy of [redacted] as well.  Please reach out to me with any questions or concerns you may have.[redacted]Claims AdjusterCarey Moving & Storage[redacted]
[redacted]

I am rejecting this response because in response to Mr. [redacted]'s statement that they do not report this type of loan to the credit bureau, then that means I was lied to once again by representatives of Money Mart. First, I was lied to by "[redacted]" to get me into the loan, then lied to again, not once but twice, by representatives there, including the manager, that if I DON'T pay, it will be reported negatively to the credit bureau. I do not appreciate being lied to many times by a company that I thought was reputable. As for not having no idea who [redacted] was, there record will show that on the night of September 20, I took out a payday loan. If they don't know yet who assisted me, then they can check their records to see who processed the payday loan for me. That person was the one who lied to me about the loan helping to rebuild my credit. This company has done nothing but lie to me from the get go. First, they lie about it helping to rebuild my credit reputation to get me INTO the loan, then they lie again to SCARE me into paying them their high exorbitant fee loans or it'll negatively impact my credit score. This is very bad business practice for a large company like Money Mart. With them lying to me numerous times, I would like for them null and void my contract and consider it paid in full with the money I've paid them thus far. Thank you.

Mr. & Mrs. [redacted]’ charges were calculated as outlined by the SC Tariff Bureau, based on actual services performed and actual weight transported. There were 15 pages of inventories. On average each page of inventory equals 1200 pounds, which reflects at least a minimum of 15,000 lbs.  Carey...

Moving & Storage has been in business since 1907 and do our best to give a accurate estimate but there are outliers and sometimes items are missed being shown to the salesmen, but are easily noticed on move day.  i.e. closets, under beds, in attic, garage, storage buildings, etc.  Our system calculates weight based on the average weight of an item and weight can vary depending on the quality and true density.  Per SC Tariff No 6, payment in full for actual charges is due prior to delivery. The original amount of $7,746.50 was given to Mrs. [redacted] on 4/19/17 when she stated they would be paying by certified check.  Upon arrival at destination they decided to pay by credit card.  Mrs. [redacted] was then provided with the revised total of $7,729.45 to include the 2% credit card fee and reduced valuation amount. .  Supporting documents and weight ticket was scanned to customer per their request on 6/5/17. The light weight and heavy weight were both obtained at Carey Moving & Storage on a Certified Scale, as required by the SC Tariff, at time of loading and meets all requirements for Intra-state move regulations.  The Shipper’s Name, Date, To and From information is then added to the printed weight ticket that has the address of the scale location. The driver who pulled the truck onto the scale to get the heavy weight is different than the driver who loaded the shipment because the office was closed when the crew returned at the end of the day.  The heavy weight was obtained the next morning and the original driver was on another job so we had another Carey Driver pull it on the scale and sign the weight ticket. The driver did not have the weight ticket at delivery, because it was in the customer’s file and was used to calculate the final charges due for the relocation. The driver does not recall discussing the weight tickets with the customer but did remember the customer asking where the truck was going to be held until delivery.  Although we did not have the extra people to send to complete the packing in one day, we made adjustments to complete the remaining packing on load day, Monday April 17.  Packing charges were based on the actual packing performed by Carey.  The shipment was loaded Monday, April 17, the truck was parked in our gated/locked yard and never left until delivery on Thursday, April 20. Paperwork is not scanned into the Allied Van Line system for Intra-State moves, as previously stated by Mrs. [redacted].

Dear Mr. [redacted]: Monetary Management of California, Inc. d/b/a Money Mart® hereby respectfully responds to the above-referenced complaint. According to our records, Mr. [redacted] cashed a payroll check from [redacted] in the amount of $69.58 on June 4, 2015. The payroll check subsequently returned and a...

$25.00 returned item fee was assessed for a total outstanding balance of $94.58. Ms. [redacted] returned on July 2, 2015 and cashed another payroll check in the amount of $53.29. Ms. [redacted] subsequently returned on July 24, 2015 to present a new payroll check in the amount of $134.74. At that time, Ms. [redacted] was advised of the outstanding $94.58. The outstanding balance was paid out of the check she cashed on July 24, 2015. After conducting a full investigation of Ms. [redacted]’s claims, we were unable to validate Ms. [redacted]’s statement that she was treated poorly by the store’s staff during her transaction. Our records do not show that a separate $30.00 fee was ever charged or waived when we cashed the check for Ms. [redacted] on July 2, 2015. Our records show that due to a system error we overcollected the amount of $25.00 from Ms. [redacted]. We are sending Ms. [redacted] a $25.00 refund check along with a copy of this letter and a copy of the returned check so she can pursue reimbursement of the returned check from [redacted]. Please extend our apologies to Ms. [redacted] for any inconvenience she experienced. We hope this issue has been resolved to Ms. [redacted]’s satisfaction. If you have any questions, please do not hesitate to contact me at [redacted]. Thank you. Sincerely, [redacted] Compliance AnalystSent on: 8/14/2015 4:25:43 PM

I apologize for the late response but I only received complaint today. I was the move coordinator on this and our [redacted] office hauled it for us.I have attached the order for service for the delivery dates of 7/21/16-08/05/16. The customer signed this order agreeing to these dates of service. We are...

required to collect charges one day prior to delivery and this is required on all [redacted] shipments.  Because this was scheduled to deliver on Monday morning we are required to run charges the Friday prior. All of this was explained to the customer and she was notified prior to the charges being ran on her credit card. It was beyond our control when the mechanical issues occurred with the truck and the driver had no way of obtaining another truck to deliver the shipment with.As you can see from the attachment the customer was aware that this had a delivery spread on it and she signed for it. We did everything we agreed to in the contract with the customer and do not feel that we are in the wrong on this matter.

Mr. [redacted],Thank you for selecting Carey Moving & Storage to handle your move.  While we strive to have an incident free move sometimes incidents happen.  I’m sorry you had damage to a few of your items during your shipment.  When I had been in contact with you regarding these...

items I told you we would send someone out to look at them.  I was informed by the repair company that when they called to set a time to go out you told them you were hesitant to make an appointment and wanted to talk with your wife.  After several days they were finally able to do an inspection and evaluation on your items.  I was communicating back and forth with them because I had questions.  They indicated that you had already made a repair and said you were going to make the other repair yourself and you just wanted reimbursed for the cost of the supplies.  I’m sorry I did not reply to your email as promptly as I should have during this process.  I sent you an email at the beginning of the week asking for the receipts so I could reimburse you for those supplies and I have not heard back from you.  If you would kindly send those I will immediately send you a refund check.  I will gladly talk with you about any other items or concerns you may have.Thank you again for choosing Carey.

Monetary Management, Inc. d/b/a Money Mart hereby respectfully responds to the follow up complaint comments submitted by Ms. [redacted]. Please note that we identified the employee who originated the installment loan and interviewed her regarding the claims made in this complaint. We apologize if that was not clear in our original response. Unfortunately, due to the time elapsed since the loan was originated, we were unable to verify Ms. [redacted]'s claims. However, it is clear that there was a miscommunication or misunderstanding as we do not report to the credit bureaus. We sincerely regret the unpleasant customer service experience that Ms. [redacted] encountered. While the loan agreement is still legally binding, we are willing to accept a payment of $1,000 to satisfy the loan in full. Upon receipt of this payment, the remaining principal, interest and fees will be waived and the loan considered settled in full. To accept this settlement offer, Ms. [redacted] should please call [redacted]. We hope that this resolves this issue to Ms. [redacted]'s satisfaction.

Monetary Management of California, Inc. d/b/a Money Mart hereby respectfully responds to the above-referenced complaint submitted by Ms. [redacted]. Money Mart offers a diverse number of financial products designed to assist consumers with their financial needs. Our goal is to get out in the...

neighborhoods in which we serve to educate consumers on these products. We apologize for any inconvenience the placement of our marketing flyer may have caused.Sincerely, [redacted]Complaint Analyst