North Cash

Hello ***, Below is our response for the Revdex.com COMPLAINT # [redacted] : Thank you for providing us with the opportunity to address this customer’s concerns [redacted] requested and was funded a $1,loan on 9/20/At the time of loan origination, the loan terms and conditions, as well as repayment terms, were disclosed to the customerThe customer’s copy of the signed consumer loan agreement also displays a payment schedule with the amounts due and the dates the amounts are dueFurthermore, we urge all customers to repay their loan as quickly as possible to save on finance feesTo date, the customer has made a total of $in paymentsAt this time, as a courtesy, although we can pursue the repayment of the loan based on the terms, we will waive the finance fees and accept the principal of $1,back to close out the loan We hope this resolves the customer’s concerns but we invite him to contact us in the event he as any additional questions or concerns

Hello ***, Below is our response for the complaint ID #: [redacted] Thank you for providing us with the opportunity to address this customer’s concerns [redacted] loan was funded on 5/16/for $The terms and conditions of the loan were disclosed to the customer at the time the loan was initiatedIn regards to Ms [redacted] complaint, our agents are trained to advise customers that they do have the option to pay the loan off at any time as long as we have 2-business days’ notice to apply the paymentMs [redacted] called in to pay in full on the 3rd payment due date for her first loanFor the 2nd loan, the customer decided to wait until the 5th or 6th payment due date to attempt to pay in fullUnfortunately, waiting longer to pay off the loan means paying more in interest, as per the loan agreement terms that the customer signed If the customer had called to pay off her loan on the 3rd payment due date - as she did on the first loan- she would have ended up paying a similar amount in principal and interest as with her 1st loanAs a courtesy, we have waived all remaining finance fees and have agreed to close out the loan as soon as the customer pays the remaining principal of $The customer can reach out to us at her convenience to schedule the payments in order to pay off the loan Let me know if you have any questions or concernsPlease ensure that our response is posted in regards to this compliant.Best Regards,Dayo O [redacted] Collections Supervisor US & Canadian OperationsTel: 1(855)333-| Fax: 1(905)[email protected] | www.northcash.com IMPORTANT: The contents of this email and any attachments are confidentialThey are intended for the named recipient(s) onlyIf you have received this email by mistake, please notify the sender immediately and do not disclose the contents to anyone or make copies thereof

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meThank you North Cash for waiving the final balance off of the account and closing the account as paid in full

Regarding ID [redacted] : Thank you for providing us with the opportunity to address this customer’s concerns [redacted] called our office on 12/10/inquiring what the payoff balance would be on her $loanThe customer was not satisfied with the amount we provided as she stated several payments have been made toward the balance of this loanThe customer service representative explained the terms of the loan to the customer and further informed her that she had requested a loan product with payments, which is our most expensiveThe customer was advised of the daily interest at the time of her loan applicationThe customer was advised that if she wanted to make additional payments toward the loan or if she wanted to pay off the loan at any time, she just needs to call our office days before the next payment due date During our call with the customer, Ms [redacted] did not request the repayment terms to be changed nor was the customer denied the ability to make additional payments at any timeAt this time, the customer has made a partial repayment of the loan based on the terms and conditions within her signed consumer loan agreementStill, as a courtesy, North Star Finance, LLC dba North Cash has decided to waive the customer’s remaining balance and deems this account closedMs [redacted] has no remaining financial obligations to North Cash [redacted] Northcash Complaints Department [redacted]

We are unable to pull up and verify the account without the consumer's social security number

From: Complaints Northcash Sent: July 5:PMTo: '[email protected]' Cc: ' [redacted] ' < [redacted] @wisconsin.Revdex.com.org>Subject: Resolution for complaint ID [redacted] Hello ***, Below is our response for the complaint ID [redacted] ( *** ***) : [redacted] contacted our office on 03/6/and requested a loan for a $The loan was approved and the funds were deposited into the customer’s account on 3/6/2016.Unfortunately, due to a system error, payment was withdrawn in error from [redacted] ***’s bank accountThe issue was immediately addressed with the customer and an attempt to resolve the issue to the customer’s satisfaction was made North Cash has refunded the amount withdrawn from the customer’s account in error and has made changes to the system to ensure this never happens again [redacted] ***’s future payments have been changed to Money Order and we anticipate all future payments to come in via mailWe encourage [redacted] to contact our office if she has any further questions or concerns and we thank her for her patience in working with us to resolve this amicablyWe believe this is more than fair in light of the circumstancesFeel free to call us with any questionsPlease ensure that our response is posted in regards to this compliant Regards, Best Regards, Dayo O [redacted] Collections Supervisor US & Canadian OperationsTel: 1(855)333-| Fax: 1(905)[email protected] | www.northcash.com

Complaint: [redacted] I am rejecting this response because:

Below is our response for the complaint ID #: *** (*** ***)Thank you for providing us with the opportunity to address this customer’s concerns*** ***’s loan was funded on 13-05-for $based on information we believe to have received from the applicant. In regards
to *** concern, she alleged she never obtained a loan with North cashWe have many fraud prevention checks in place, but sometimes, despite our best efforts, fraud may slip throughTo date we have not received any notification from the customer in regards to this being a potential fraudWe have attempted to contact the customer, however, our attempts were unsuccessful As part of our policy, we require a copy of the customer’s police report as well as copies of photo IDs, faxed to 1-905-829-or emailed to [email protected] so we can notate the account as fraud and proceed accordinglyMs*** can send us the information and we will notate her accountIf she requires additional information, the customer may always contact our office.Best Regards,Dayo O*** Collections Supervisor US & Canadian OperationsTel: 1(855)333-| Fax: 1(905)[email protected] | www.northcash.com IMPORTANT: The contents of this email and any attachments are confidentialThey are intended for the named recipient(s) onlyIf you have received this email by mistake, please notify the sender immediately and do not disclose the contents to anyone or make copies thereof

To the President of your company/Whom it may concern:
Below is incorrect implying that my FIRST payment is overdueMy bank records reflect that you have drafted payments for a total of over $1,and was informed no portion of these payments were applied to principalThis illegal loan has
been reported to the Attorney General, Revdex.com, and Nebraska Department of Banking and FinanceI have paid you way more than I borrowed, and am not legally bound to this contract regardless of what loopholes you may try to hide under
Do not contact me, do not withdraw any more funds, and refund me my $plus stop payment fee of $for a total of $

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThank you North Cash for waiving the final balance off of the account and closing the account as paid in full

Regarding ID ***: Thank you for providing us with the opportunity to address this customer’s concerns*** *** called our office on 12/10/inquiring what the payoff balance would be on her $loanThe customer was not satisfied with the amount we provided as she stated
several payments have been made toward the balance of this loanThe customer service representative explained the terms of the loan to the customer and further informed her that she had requested a loan product with payments, which is our most expensiveThe customer was advised of the daily interest at the time of her loan applicationThe customer was advised that if she wanted to make additional payments toward the loan or if she wanted to pay off the loan at any time, she just needs to call our office days before the next payment due date During our call with the customer, Ms*** did not request the repayment terms to be changed nor was the customer denied the ability to make additional payments at any timeAt this time, the customer has made a partial repayment of the loan based on the terms and conditions within her signed consumer loan agreementStill, as a courtesy, North Star Finance, LLC dba North Cash has decided to waive the customer’s remaining balance and deems this account closedMs*** has no remaining financial obligations to North Cash. *** *** Northcash Complaints Department***

Below is our response for the Revdex.com COMPLAINT #*** :Thank you for providing us with the opportunity to address this customer’s complaintThis customer called in to customer service on May 26, and advised our agents that she would like to change her bank account information
for purposes of repayment.At that time, our agent, per our protocol, sent the customer a link in order to verify the new banking informationThe agent did not update the banking information until the new bank account information was verified.*** *** *** called back on June 10, to dispute the payment that was taken out from the incorrect bank account at which time she was advised all future payments would be debited from the new bank account which had now been updated to her accountStill, although all protocols were correctly followed, if the customer indeed incurred any overdraft fees between 5/26/and 6/10/because of the time it took to update her new banking information, the customer can simply submit proof of that overdraft fee and we will refund her the fee in fullMoreover, as a courtesy, we have waived the customer’s remaining balance and have closed her account as paid in fullWe hope this resolves the customer’s concerns but we invite her to contact us in the event she has any additional questions or concerns

Below is our response for the Revdex.com complaint ; # ***We are in receipt of the customer’s Revdex.com complaint regarding her North Cash account and have reviewed her concerns carefully in an attempt to resolve this matter. The central drive of *** *** concerns seems to be that her *** *** *** *** dba North Cash loan terms were inconsistent with the laws of her home state But state law does not apply to her North Cash loan in any manner As clearly indicated on our website and expressly and clearly provided in the loan documents executed by the customer, *** *** *** *** (the “Company”) is a wholly owned and operated entity of the Fort Belknap Indian Community (the “Tribe”) located on the Fort Belknap Reservation of Montana (the “Reservation”) and the loan agreement provides for the application of FtBelknap Tribal law The consumer signed loan agreement is entirely consistent with applicable law The Company is wholly owned by the Tribe, was established for the Tribe’s economic benefit, and is organized under and operates pursuant to Tribal law As an economic arm of the Tribe, the Company is not subject to State enforcement actions described in the customer’s inquiry.The Tribe is a federally-recognized Indian tribe and a sovereign nation, as expressly recognized under federal law See FEDREG4748, (Jan29, 2014) North Star Finance, LLC, conducts its business under all applicable Federal laws and Tribal lawsFurthermore, we can attest that our Tribal lending business does not engage in excessive or abusive collection practicesRather, we are proud of our strong customer service record We diligently work with our customers to resolve any inquiries and issues that have been brought to our attention in a timely manner. Although *** *** loan is entirely legal under applicable law, the concerns expressed in her complaint caused us to further review her accountAfter examining her account and observing her pay history, as a goodwill gesture we will agree to accept and apply all payments made to date toward the principal loan amount, waiving all remaining finance loan fees, and now regard *** *** account as paid in full No further action will be required We wish *** *** the best of luck in her future endeavors.We hope that we have answered the customer’s concerns, but we would be happy to talk with her should she have further questions

Thank you for giving us the opportunity to address *** ***’s concernsAs clearly indicated in its website disclaimers and loan documents executed by *** *** on April 30, 2015, North Star Finance, LLC is a wholly owned and operated entity of the Fort Belknap Indian Community on
the Fort Belknap Reservation of Montana. The Fort Belknap Indian Community is a federally-recognized Indian tribe and a sovereign nation, as expressly recognized under federal lawSee FedReg60,810, 60,As such, North Star Finance, LLC conducts its business under all applicable Federal laws and the laws of the Fort Belknap Tribe. Our customer had requested and was extended a $loan The repayment terms and conditions are also located on our website as well as in the customer’s signed consumer loan agreementOur customer service representatives are always available to answer any questions about repayment and we often work with customers in customizing repayment options that best work for themDuring the origination of the loan, several re-payment options were explained to *** ***Also during this call *** *** was advised that she would be able to change her payments at any time. We extended the loan to the customer upon her request and made every effort to resolve her concerns once she made us aware of itWe had contacted the customer by email and offered her a payment of $as per her settlement request to close off the accountThe customer had sent a reply email indicating that she would mail out a money order in the same amount to the address we provided herWe responded to her and advised that her file was noted accordingly However, we were not aware that the customer still had any problems with the terms of the loan or repayment as we had resolved the issue with her. I hope this satisfies and resolves this matter Please do not hesitate to contact me directly if you have any further questions. Regards, *** ***

Hello ***, Below is our response for the complaint ID #: ***Thank you for providing us with the opportunity to address this customer’s
concerns*** *** loan was funded on 5/16/for $The terms and conditions of the loan were disclosed to the customer at the time the loan was initiated. In regards to Ms*** complaint, our agents are trained to advise customers that they do have the option to pay the loan off at any time as long as we have 2-business days’ notice to apply the paymentMs*** called in to pay in full on the 3rd payment due date for her first loanFor the 2nd loan, the customer decided to wait until the 5th or 6th payment due date to attempt to pay in fullUnfortunately, waiting longer to pay off the loan means paying more in interest, as per the loan agreement terms that the customer signed If the customer had called to pay off her loan on the 3rd payment due date - as she did on the first loan- she would have ended up paying a similar amount in principal and interest as with her 1st loanAs a courtesy, we have waived all remaining finance fees and have agreed to close out the loan as soon as the customer pays the remaining principal of $The customer can reach out to us at her convenience to schedule the payments in order to pay off the loan Let me know if you have any questions or concerns. Please ensure that our response is posted in regards to this compliant.Best Regards,Dayo O*** Collections Supervisor US & Canadian OperationsTel: 1(855)333-| Fax: 1(905)[email protected] | www.northcash.com IMPORTANT: The contents of this email and any attachments are confidentialThey are intended for the named recipient(s) onlyIf you have received this email by mistake, please notify the sender immediately and do not disclose the contents to anyone or make copies thereof

Hello [redacted],
 
Below is our response for the Revdex.com COMPLAINT # [redacted] :
 
Thank you for providing us with the opportunity to address this customer’s concerns. [redacted] requested and was funded a $1,200 loan on 9/20/16. At the time of loan origination, the loan terms and conditions, as...

well as repayment terms, were disclosed to the customer. The customer’s copy of the signed consumer loan agreement also displays a payment schedule with the amounts due and the dates the amounts are due. Furthermore, we urge all customers to repay their loan as quickly as possible to save on finance fees. To date, the customer has made a total of $0 in payments. At this time, as a courtesy, although we can pursue the repayment of the loan based on the terms, we will waive the finance fees and accept the principal of $1,200 back to close out the loan.
 
We hope this resolves the customer’s concerns but we invite him  to contact us in the event he as any additional questions or concerns.

We are unable to pull up and verify the account without the consumer's social security number.

From: Complaints Northcash [mailto:[email protected]] Sent: Friday, May 27, 2016 7:31 AMTo: Complaints <[email protected]>[redacted]Subject: Revdex.com complaint #[redacted]. Hello All,Regarding [redacted]:Thank you for providing us with the...

opportunity to address this customer’s concerns. Mr. [redacted] loan was requested and funded on 12-06-15 for $700.  To date, the customer has made no payments toward his loan. The terms and conditions of the loan were disclosed to the customer at the time the loan was initiated. Furthermore, the customer never contacted us regarding any issues he may have had with the  terms of the loan or repayment. At this time, as a courtesy, we are willing to accept the principal amount of $700.00  in order to settle out the loan. We urge the customer to please contact our office to set up a mutually acceptable payment arrangement. Best Regards,Dayo Og[redacted] Collections Supervisor US & Canadian OperationsTel: 1(855)333-6570 | Fax: 1(905)[email protected] | www.northcash.com

Below is our follow up response for the complaint ID # [redacted]: Thank you for providing us with the opportunity to address this customer’s follow up to our response. North Star Finance, LLC dba North Cash (the “Company”) is a tribally owned and operated entity of the Fort Belknap Indian Community (the “Tribe”) on the Fort Belknap Reservation (the "Reservation"). The Company is wholly owned by the Tribe, was established for the Tribe's economic benefit, and is organized under and operated pursuant to Tribal law.  As an economic arm of the tribe, the Company shares the Tribe's sovereign immunity and, therefore, is not subject to state investigative or enforcement actions.While state law is irrelevant as applied to the activities of the Company, we would still like to take this opportunity to provide this customer with some background on our Company’s business practices and our actions in response to her complaint.  A $700 loan was requested via the internet by [redacted] and approved by the Company on May 4th, 2016 following our review and confirmation of [redacted]’s online loan application. To date, the customer has only made a partial repayment of the loan based on the terms and conditions within the consumer signed loan agreement. The Company offered to waive all remaining fees associated with the loan and consider her account paid in full however, [redacted] had no interest in reaching a resolution, and instead, began filing complaints with various government agencies and the Revdex.com.  Due to our strong commitment to resolve each consumer complaint, the Company has agreed to refund [redacted] any money paid over the principal of $700, after which we will consider the matter closed.  Although the Company has every right to pursue repayment of the loan taken by [redacted], it is frankly more effort than it is worth and we will simply not lend to [redacted] again.We assure you that North Star Finance is fully regulated by, and is in compliance with, the sovereign laws of the Fort Belknap Indian Community and all applicable federal laws.Furthermore, we can attest that our Tribal lending business does not engage in excessive or abusive collection practices and offers a dedicated customer service team to resolve all customer complaints, as exemplified by our response to [redacted].                  By signing the Loan Agreement, the customer agreed to be bound solely by the laws of the Fort Belknap Tribe. In addition, in regards to the loan, the customer agreed to comply with all of the terms and conditions of the Loan Agreement upon execution. North Cash relied upon the customer’s representations in good faith and approved her loan based upon such representations. Per the customer’s request, the fees have been waived on the customer’s account. However, the terms of her contract will stand.Let me know if you have any questions or concerns. Please ensure that our response is posted in regards to this compliant.

From: Complaints Northcash Sent: 08 July 2016 5:13 PMTo: '[email protected]' <[email protected]>Cc: '[redacted]' <[redacted]@wisconsin.Revdex.com.org>Subject: Resolution for complaint ID [redacted] Hello [redacted],  Below is our response for the complaint ID [redacted] ( [redacted]...

[redacted]) : [redacted] contacted our office on 03/6/2016 and requested a loan for a $700.00. The loan was approved and the funds were deposited into the customer’s account on 3/6/2016.Unfortunately, due to a system error, payment was withdrawn in error from [redacted]’s bank account. The issue was immediately addressed with the customer and an attempt to resolve the issue to the customer’s satisfaction was made.  North Cash has refunded the amount withdrawn from the customer’s account in error and has made changes to the system to ensure this never happens again. [redacted]’s future payments have been changed to Money Order and we anticipate all future payments to come in via mail. We encourage [redacted] to contact our office if she has any further questions or concerns and we thank her for her patience in working with us to resolve this amicably. We believe this is more than fair in light of the circumstances. Feel free to call us with any questions. Please ensure that our response is posted in regards to this compliant.  Regards, Best Regards, Dayo O[redacted] Collections Supervisor US & Canadian OperationsTel: 1(855)333-6570 | Fax: 1(905)[email protected] | www.northcash.com