Navicore Solutions

May 7, Revdex.com of New Jersey Whitehorse-Hamilton Square Rd Building A, Suite Hamilton, NJ RE: [redacted] This letter is in response to the complaint submitted by [redacted] *** against [redacted] on May 7, According to his complaint, [redacted] *** stated he contacted [redacted] in December of 2013, and again in January of 2014, to confirm when his repayment process was going to be complete The complaint states he was told it would be complete in February The complaint went on to state that his monthly payment continued to be debited in March 2014, and again April He also states his account was not paid in full by February of 2014, which made March’s payment necessary, but he claims that the April payment was erroneous and caused him to receive a bank overdraft fee [redacted] also states that when he contacted [redacted] , he was told he needed to contact [redacted] again when his repayment process had been completed He also stated that his bank said the overdraft fee is [redacted] ’s responsibility, but that [redacted] claims it is his responsibility because he did not request to stop his payments [redacted] is asking to be reimbursed for the $fee that he was charged by his bank Please see below regarding our response to his concerns [redacted] enrolled with [redacted] in March of Please see attachments A (Agreement) and B (Affidavit and Release), which all clients must sign and return in order to enroll in our program Per his request, monthly payments were set up to be debited from his checking account on the 20th of each month, beginning in March, in accordance with his chosen cycle date Clients who request to have their monthly payments automatically deducted are required to sign a Direct Pay Authorization form Please refer to attachment C (Direct Pay Authorization Form) and reference the third bullet of this document, which states the authorization will remain in effect until a [redacted] representative is contacted to terminate the authorization Please also refer to attachment D (Client Activity), which lists [redacted] ***’s full payment history with our organization After a review of [redacted] ***’s plan, we determined that we did not receive any calls from him in December of 2013, or January of 2014, although he stated in his complaint that he contacted us during that period We do, however, have record of a call we received from [redacted] on October 10, 2013, at which time he asked us to verify which creditor he had remaining on his plan and how many payments he had left Please refer to attachment E (Estimated Time Remaining Document), which was sent to [redacted] after the conversation on this date This document lists one creditor remaining on the plan, with an estimate of months of payments remaining It is also important to note that this document explains that the information contained within it is an estimate and also offers a reminder about the importance of checking creditor statements since [redacted] does not receive copies of statements from creditors The next time [redacted] contacted us was on April 22, He stated that he had a problem with his account because he was previously told he would be done with the program in February, but he continued to be debited in March and again in April He said that the April debit caused his bank account to become overdrawn It was explained to [redacted] at that time that his payments were debited because contact from him is required in order to make us aware when he was paid in full and finished with the program so payments can be stopped It was also explained that since we were not notified by him to stop his debits, that his debits continued as scheduled, per the Direct Pay Authorization form noted previously in attachment C [redacted] asked if anything could be done about the fee that he was charged by his bank It was explained to [redacted] that his debit was processed without error, and it was suggested that he call his bank to inquire whether they would be willing to waive the fee for him It was also confirmed at that time that future debits would no longer occur and that the one remaining creditor on his plan was paid in full with a small credit balanceIt was also discussed that if the April payment cleared that it would be refunded to him That payment cleared and was subsequently returned to him on April 25, [redacted] ***’s plan was submitted to be withdrawn and was officially closed as being paid in full on April 29, [redacted] contacted us again on May 7, 2014, and advised us that he previously called because a payment was debited from him in April that should not have been He stated that when he last spoke with us, he was told that his payment would be refunded, but that he should contact his bank about the overdraft fee he received He stated that he contacted his bank about the fee, but they stated it was not a bank error and that [redacted] is responsible for the fee [redacted] was advised that the fee could not be refunded to him because the debit occurred as scheduled, as there was no request from him to stop the payment from being automatically debited [redacted] agreed he would absorb the cost of the fee, but expressed displeasure about the situation A manager at [redacted] called [redacted] back a short time later to follow-up The manager explained to [redacted] that as a gesture of good service to him, the $fee he was charged by his bank would be covered as a courtesy by [redacted] [redacted] stated he was satisfied with this gesture In conclusion, we trust that you will find [redacted] handled [redacted] ***’s plan and payments appropriately, and all payments that were debited were authorized In addition, [redacted] covered the $fee [redacted] was charged as a courtesy, and he was satisfied with this resolution We ask that you determine his complaint is resolved and keep [redacted] ’s current positive record with the Revdex.com intact Sincerely, [redacted] Vice President of Administration [redacted] ** [redacted]

May 7, 2014
 
Revdex.com of New Jersey
1700 Whitehorse-Hamilton Square Rd
Building A, Suite 202
Hamilton, NJ 08690
 
RE: [redacted]
 
This letter is in response to the complaint...

submitted by [redacted] against [redacted] on May 7, 2014.  According to his complaint, [redacted] stated he contacted [redacted] in December of 2013, and again in January of 2014, to confirm when his repayment process was going to be complete.  The complaint states he was told it would be complete in February 2014.  The complaint went on to state that his monthly payment continued to be debited in March 2014, and again April 2014.  He also states his account was not paid in full by February of 2014, which made March’s payment necessary, but he claims that the April payment was erroneous and caused him to receive a bank overdraft fee.  [redacted] also states that when he contacted [redacted], he was told he needed to contact [redacted] again when his repayment process had been completed.  He also stated that his bank said the overdraft fee is [redacted]’s responsibility, but that [redacted] claims it is his responsibility because he did not request to stop his payments.  [redacted] is asking to be reimbursed for the $35 fee that he was charged by his bank.  Please see below regarding our response to his concerns. 
 
[redacted] enrolled with [redacted] in March of 2010.  Please see attachments A (Agreement) and B (Affidavit and Release), which all clients must sign and return in order to enroll in our program.  Per his request, monthly payments were set up to be debited from his checking account on the 20th of each month, beginning in March, in accordance with his chosen cycle date.  Clients who request to have their monthly payments automatically deducted are required to sign a Direct Pay Authorization form.  Please refer to attachment C (Direct Pay Authorization Form) and reference the third bullet of this document, which states the authorization will remain in effect until a [redacted] representative is contacted to terminate the authorization.  Please also refer to attachment D (Client Activity), which lists [redacted]’s full payment history with our organization.
 
After a review of [redacted]’s plan, we determined that we did not receive any calls from him in December of 2013, or January of 2014, although he stated in his complaint that he contacted us during that period.  We do, however, have record of a call we received from [redacted] on October 10, 2013, at which time he asked us to verify which creditor he had remaining on his plan and how many payments he had left.  Please refer to attachment E (Estimated Time Remaining Document), which was sent to [redacted] after the conversation on this date.  This document lists one creditor remaining on the plan, with an estimate of 6 months of payments remaining.  It is also important to note that this document explains that the information contained within it is an estimate and also offers a reminder about the importance of checking creditor statements since [redacted] does not receive copies of statements from creditors. 
 
The next time [redacted] contacted us was on April 22, 2014.  He stated that he had a problem with his account because he was previously told he would be done with the program in February, but he continued to be debited in March and again in April.  He said that the April debit caused his bank account to become overdrawn.  It was explained to [redacted] at that time that his payments were debited because contact from him is required in order to make us aware when he was paid in full and finished with the program so payments can be stopped.  It was also explained that since we were not notified by him to stop his debits, that his debits continued as scheduled, per the Direct Pay Authorization form noted previously in attachment C.  [redacted] asked if anything could be done about the fee that he was charged by his bank.  It was explained to [redacted] that his debit was processed without error, and it was suggested that he call his bank to inquire whether they would be willing to waive the fee for him.  It was also confirmed at that time that future debits would no longer occur and that the one remaining creditor on his plan was paid in full with a small credit balance. It was also discussed that if the April payment cleared that it would be refunded to him.  That payment cleared and was subsequently returned to him on April 25, 2014.  [redacted]’s plan was submitted to be withdrawn and was officially closed as being paid in full on April 29, 2014.
 
[redacted] contacted us again on May 7, 2014, and advised us that he previously called because a payment was debited from him in April that should not have been.  He stated that when he last spoke with us, he was told that his payment would be refunded, but that he should contact his bank about the overdraft fee he received.  He stated that he contacted his bank about the fee, but they stated it was not a bank error and that [redacted] is responsible for the fee.  [redacted] was advised that the fee could not be refunded to him because the debit occurred as scheduled, as there was no request from him to stop the payment from being automatically debited.  [redacted] agreed he would absorb the cost of the fee, but expressed displeasure about the situation.  A manager at [redacted] called [redacted] back a short time later to follow-up.  The manager explained to [redacted] that as a gesture of good service to him, the $35 fee he was charged by his bank would be covered as a courtesy by [redacted].  [redacted] stated he was satisfied with this gesture.
 
In conclusion, we trust that you will find [redacted] handled [redacted]’s plan and payments appropriately, and all payments that were debited were authorized.  In addition, [redacted] covered the $35 fee [redacted] was charged as a courtesy, and he was satisfied with this resolution.  We ask that you determine his complaint is resolved and keep [redacted]’s current positive record with the Revdex.com intact.
 
Sincerely,
[redacted]
Vice President of Administration
[redacted]

Review: I called the company in December 2013 and again in January 2014 to confirm when my repayment process was complete and was told February 2014. The company again charged me in March 2014 and April 2014. When I contacted them about this they advised me it had been my responsibility to tell them when my repayment process had reached completion even though I have been paying them a $16 monthly fee for 5 years to facilitate the activities to my account. The account was not paid in full by February making a march payment necessary but the charge in April was erroneous and caused a bank overdraft fee. The bank claims it is [redacted] responsibility for the overdraft fee yet [redacted] claims it is my responsibility because I did not tell them to stop paying accounts they were handling and charged my a fee to handle no less. [redacted] claims they have thousands of clients and dont know when every one programs are done, but that is their business. They are in business to facilitate a program for which they charge consumers a fee. How can they be trusted to handle financial information if when they are contacted a bout an error the amount of clients is used as an excuse for them to make mistakes and to then blame clients.Desired Settlement: I would like a $35 refund check sent to me for the amount I was charged by my bank because [redacted] continued billing me after the completion of my program.

Business

Response:

May 7, 2014

Revdex.com of New Jersey

1700 Whitehorse-Hamilton Square Rd

Building A, Suite 202

Hamilton, NJ 08690

RE: [redacted]

This letter is in response to the complaint submitted by [redacted] against [redacted] on May 7, 2014. According to his complaint, [redacted] stated he contacted [redacted] in December of 2013, and again in January of 2014, to confirm when his repayment process was going to be complete. The complaint states he was told it would be complete in February 2014. The complaint went on to state that his monthly payment continued to be debited in March 2014, and again April 2014. He also states his account was not paid in full by February of 2014, which made March’s payment necessary, but he claims that the April payment was erroneous and caused him to receive a bank overdraft fee. [redacted] also states that when he contacted [redacted], he was told he needed to contact [redacted] again when his repayment process had been completed. He also stated that his bank said the overdraft fee is [redacted]’s responsibility, but that [redacted] claims it is his responsibility because he did not request to stop his payments. [redacted] is asking to be reimbursed for the $35 fee that he was charged by his bank. Please see below regarding our response to his concerns.

[redacted] enrolled with [redacted] in March of 2010. Please see attachments A (Agreement) and B (Affidavit and Release), which all clients must sign and return in order to enroll in our program. Per his request, monthly payments were set up to be debited from his checking account on the 20th of each month, beginning in March, in accordance with his chosen cycle date. Clients who request to have their monthly payments automatically deducted are required to sign a Direct Pay Authorization form. Please refer to attachment C (Direct Pay Authorization Form) and reference the third bullet of this document, which states the authorization will remain in effect until a [redacted] representative is contacted to terminate the authorization. Please also refer to attachment D (Client Activity), which lists [redacted]’s full payment history with our organization.

After a review of [redacted]’s plan, we determined that we did not receive any calls from him in December of 2013, or January of 2014, although he stated in his complaint that he contacted us during that period. We do, however, have record of a call we received from [redacted] on October 10, 2013, at which time he asked us to verify which creditor he had remaining on his plan and how many payments he had left. Please refer to attachment E (Estimated Time Remaining Document), which was sent to [redacted] after the conversation on this date. This document lists one creditor remaining on the plan, with an estimate of 6 months of payments remaining. It is also important to note that this document explains that the information contained within it is an estimate and also offers a reminder about the importance of checking creditor statements since [redacted] does not receive copies of statements from creditors.

The next time [redacted] contacted us was on April 22, 2014. He stated that he had a problem with his account because he was previously told he would be done with the program in February, but he continued to be debited in March and again in April. He said that the April debit caused his bank account to become overdrawn. It was explained to [redacted] at that time that his payments were debited because contact from him is required in order to make us aware when he was paid in full and finished with the program so payments can be stopped. It was also explained that since we were not notified by him to stop his debits, that his debits continued as scheduled, per the Direct Pay Authorization form noted previously in attachment C. [redacted] asked if anything could be done about the fee that he was charged by his bank. It was explained to [redacted] that his debit was processed without error, and it was suggested that he call his bank to inquire whether they would be willing to waive the fee for him. It was also confirmed at that time that future debits would no longer occur and that the one remaining creditor on his plan was paid in full with a small credit balance. It was also discussed that if the April payment cleared that it would be refunded to him. That payment cleared and was subsequently returned to him on April 25, 2014. [redacted]’s plan was submitted to be withdrawn and was officially closed as being paid in full on April 29, 2014.

[redacted] contacted us again on May 7, 2014, and advised us that he previously called because a payment was debited from him in April that should not have been. He stated that when he last spoke with us, he was told that his payment would be refunded, but that he should contact his bank about the overdraft fee he received. He stated that he contacted his bank about the fee, but they stated it was not a bank error and that [redacted] is responsible for the fee. [redacted] was advised that the fee could not be refunded to him because the debit occurred as scheduled, as there was no request from him to stop the payment from being automatically debited. [redacted] agreed he would absorb the cost of the fee, but expressed displeasure about the situation. A manager at [redacted] called [redacted] back a short time later to follow-up. The manager explained to [redacted] that as a gesture of good service to him, the $35 fee he was charged by his bank would be covered as a courtesy by [redacted]. [redacted] stated he was satisfied with this gesture.

In conclusion, we trust that you will find [redacted] handled [redacted]’s plan and payments appropriately, and all payments that were debited were authorized. In addition, [redacted] covered the $35 fee [redacted] was charged as a courtesy, and he was satisfied with this resolution. We ask that you determine his complaint is resolved and keep [redacted]’s current positive record with the Revdex.com intact.

Sincerely,

Vice President of Administration