Okinus, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
I paid my financial obligation that was required of me to fulfill my agreementOkinus automatically drafted my account monthly, so I was never aware of a letter sent to meI will NOT pay another $when my payment was made days prior to my actual due date.
This due date was provided to me and to my knowledge was also when my day same as cash was set to expireI was never informed of there being a difference between the two
Regards,
*** ***

Ms
*** has not made a payment to Okinus since 4/21/Ms
*** states that was set up weekly payments thru her bankOkinus
was
accepting the payments and applying to her account until the payments of $
ceasedOkinus does offer all customers the option to change their due date
(once during the life of contract)Okinus will make an exception when a
customer has fallen on difficult times provided they communicate with Okinus
the difficulty in making the monthly payments on the contract (provided
approved by management)Okinus needs to discuss with Ms*** the status of
accountPer the email that Ms*** referenced that was received from Okinus
employee and ACH debit has been submitted for $Once the payment posts
to account Ms*** can contact Okinus to set up further arrangements or to advise
that the biweekly payments of $will restart
*** * ***
Senior Manager

Ms*** did inform Okinus of the issues experiencing with the furnitureMs*** was informed to contact the store and whom to contactI have contacted the owner of Exclusive and asked for assistance with this matterI will forward Ms***' account current so that will not show past
dueMs*** will need to file a dispute with Equifax to get the negative information removed
*** * ***
Senior Manager

Ms*** claims that Okinus is using barbaric and bullying tacticsThis is not the caseAs stated before Ms*** has been a customer of Okinus for several yearsThis most recent account is currently due for 8/21/Ms*** is urged to contact Okinus to work out suitable payment arrangements to bring the account currentThis will ensure that Ms*** fulfills her obligations for the bedroom set that has had since 5/26/
*** * ***
Senior Manager

Okinus was not informed the merchandise for someone else
otherwise Okinus would not have financed (Okinus’ policy is not to allow
financing for others)Okinus was notified after once the 1st ACH
was returned as PAYMENT STOPPEDAn explanation of the payments was included on
initial rebuttal and included again:
2/21/14- Payment returned to Okinus as payment refused; the
payment was not paid until 3/3/
3/21/14- Payment made on 4/14/thus moving due date to
4/21/
4/21/14- Payment made on 5/6/thus moving due date to
5/21/
5/21/14-
Payment made on 7/2/thus moving due date to 6/21/
6/21/14-
Payment made on 8/5/thus moving due date to 7/21/
7/21/14-
Payment made on 9/8/moving due date to 8/21/14, payment was returned due to
“Customer Advised Not Authorized” reverting due date back to 7/21/
The highlighted above shows when account was paid late (past
days) resulting in as such on credit report
The account is reporting to Equifax past due, Ms*** is
urged to either file a dispute with Equifax or send a copy of Equifax report
showing Okinus’ reporting for review; if incorrect will be correctedA current
copy of Equifax report was not attached(Attached to this complaint a
screenshot of email account, a receipt and separate emails (May, June, July)
Okinus will not be able to delete how Ms*** has paid on account, as it
reflects the current payment history
Again Ms*** payout is currently $(this includes
$in past due amount)Ms*** can contact Okinus to work out payment
arrangement to being account current and have past due fees removed (if
arrangements met)
The reason the payoff amounts that are on the contract can
be offered is due to account being past due with fees of $Ms*** is
urged to contact Okinus to resolve account
Attachment: Payment History, Signed Contract
*** * ***
Senior Manager

As previously stated Okinus is in contact with the owners of *** FurnitureMs*** should be receiving a call from Ms***. *** states that have replaced cushions and has given new accent pillows as well. *** states that Ms*** picked up the cushions/pillows from the warehouse personally
If Ms*** would like the negative information removed from Equifax will need to file a dispute
*** * ***
Senior Manager

It is unfortunate that Ms*** has missed the Day SAC expirationOkinus would like to thank Ms*** for being a repeat customer (this is 3rd account) with Okinus. Ms*** received a Welcome Call on 2/9/15, the lease was explained due to Ms*** stating that
the store did not explain, it was at this time the due was changed for Ms*** to a more accommodating dateOkinus offers all customers the option to pay their account on within days SACOkinus will only debit from their account the amount per the lease agreement, if the customer wants to pay more they are welcome to make additional payments online, by mailing in payments or calling Okinus to authorize additional paymentsThe notes in account do not reflect for Okinus to take the balance on last payment, it is unfortunate the recording is not availableOkinus is not able to extend the Day SAC payout due to it expiringOkinus may be able to offer Ms*** a reduced amount verses the regular payoff amount that is currently dueMs*** is urged to contact Okinus so that the account can be resolved
*** * ***
Senior Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]
Mr*** is correct regarding the payments and my account initially being setup for automatic draftingHowever, he's omitting the fact that on 05/14/14, there was a verbal request made to stop all drafts from my accountI did not give Okinus permission to reinstate the automatic drafts nor did I give permission for money to be manually withdrawn from my accountI was told by *** they would no longer make any drafts from my account after being given my verbal request made in MayWhen I contacted Okinus on 07/29, manager *** did acknowledge that automatic drafting had been stopped but then stated this payment was done manually
If the automatic drafts were in place with my permission for the month of July, why was it done manually? And why wasn't it done for the month of JuneNo draft was taken from account during the month of June because Okinus did not have permission and they didn't make a draft
Regards,
Dana Hampton

0in 0in 8pt;">Ms*** did receive the following email from a member of
management on 12/7/13:
"Attention: *** ***
To whom it may concern
RE: ***
I am writing in reference to
checking account ending in Ms*** did contact our office in
reference to changing the checking account information on fileHowever, the
checking account information did not get completely changed/deleted out of the
accountA payment was submitted on Okinus behalf and we could not stop/change
the paymentThis was a mistake on Okinus behalfWe have completely deleted
the checking account information ending in off of the account and will no
longer be taking any payments from that account
We do apologize for any inconvenience this may have caused you
Please feel free to contact me at the office if you have any additional
questions."
I have attached the initial reply to Revdex.com Case # ***, the
rebuttal today is the same as letter
No settlement offered on account, Ms*** has not stated any
issue with account other than ex-husband would not contact Okinus nor call
OkinusOkinus must have supporting documents for a refund; to date still have
not receivedNo settlement on account, Ms*** account was forwarded
current in April after completing the arrangements to bring account
current; the current due date on account is 7/23/
*** * ***
Senior Manager

In response to Mr*** the account has been reviewed further and determined that Okinus did not fully comply with the Cease and Desist that was submitted to Okinus on 7/9/Okinus will pay the account out in full and will reflect on Equifax report as paid in fullOkinus apologizes for the inconvenience this has caused Mr***
*** * ***
Senior Manager

Ms *** stated that not able to download previous complaintI have attached Ms***'s complaint and Okinus' rebuttal'sThere was no attachment/Letter from Bank of America on payments
Okinus did not say that the Equifax report would be updated the Equifax report is
reporting correctly based off Ms***'s payment history (Payment History attached)Okinus did resume receiving payments (partial) and posting to account however the payments are not sent on a regular basisThe due date has advanced from 3/4/to currently 6/4/Currently Ms*** has past due fees on accountMs*** was urged to contact Okinus to discuss payment options to bring account current (the past due fees could potentially be waived); however Okinus has not received a call from Ms*** in reference to this
The reporting to Equifax is correct (based off of payment history)If Ms*** contacts Okinus the past due status could be updated if able to work out arrangements and the arrangements are met
Okinus will make an exception when
a customer has fallen on difficult times provided they communicate with Okinus
the difficulty in making the monthly payments on the contract (provided
approved by management)Okinus needs to discuss with Ms*** the status of
account
Attached is the Revdex.com Complaint and Rebuttal's from initial case and the payment history on account
*** * ***
Senior Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
psThey said they gave me a extension but they never send me anything to my mail on how to paid
the couchesMaybe if they had a better customer service line it would be helpful!

Okinus spoke with Ms*** on 4/25/about the payoff on her accountMs*** did inform Okinus that the automated system quoted her a payoff of 1328.00. While the system did quote Ms*** the amount of $the amount was incorrect. Okinus has to charge Ms*** by
the legal binding contract that was signed by Ms***The payoff on her account at the time she contacted the office was the $and that was the total that was chargedIt was explained to Ms*** that the system was incorrect and we would not be able to honor the payoff before the payment was set up for the $At that time Ms*** did authorize Okinus to go ahead and draft the correct payoff on 5/1/for the total amount of $1818.94. I do apologize for any inconvenience this may have caused Ms*** but unfortunately Okinus won't be able to authorize a refund on the account . At this time the automated system has been deactivated until the issue with quoting incorrect payoff's has been corrected

Okinus did refund the $to the account that we have on fileOkinus will not be able to issue any other creditOkinus will extend your S.A.Cdays to 5/28/
In reference to the previous account (Best Buy purchase) that was madeMs*** contacted Okinus on 11/26/due to not receiving the TV; Ms*** was advised the delivery would be the following day she instead offered to go pick it up from the Best Buy Warehouse (Okinus had delivery fee removed)Ms*** did pick up the TV from the Best Buy Warehouse
It is unfortunate that Ms*** does not wish to continue doing business with OkinusOkinus does appreciate the referrals to friends and familyOkinus takes pride in providing great customer service and being available for our customers days/week and with the exception of Sunday staying available for customers until 10:pm EST
*** * ***
Senior Manager

Ms*** is a returning customer of Okinus’Ms***
informed Okinus that she purchased the merchandise for her
sister (which Okinus
was not made aware until after), after the 1st payment was returned
to Okinus as PAYMENT STOPPEDPayment history attached below is explanation:
2/21/14- Payment returned to Okinus as payment refused; the
payment was not paid until 3/3/
3/21/14- Payment made on 4/14/thus moving due date to
4/21/
4/21/14- Payment made on 5/6/thus moving due date to
5/21/
5/21/14- Payment made on 7/2/thus moving due date to
6/21/
6/21/14- Payment made on 8/5/thus moving due date to 7/21/
7/21/14- Payment made on 9/8/moving due date to 8/21/14,
payment was returned due to “Customer Advised Not Authorized” reverting due
date back to 7/21/
Okinus left messages for customer after return Ms***
contacted Okinus’ automated system on 9/20/to inquire on payoffOkinus left
messages for Ms*** againMs*** contacts Okinus via email on 9/26/
that she could pay a majority of past due balance on 10/16/(payment was not
made)
Currently Ms*** payout is $(this includes
$in past due amount)Ms*** can contact Okinus to work out payment
arrangement to being account current and have past due fees removed (if
arrangements met)
The account is reporting to Equifax past due, Ms*** is
urged to either file a dispute with Equifax or send a copy of Equifax report
showing Okinus’ reporting for review; if incorrect will be corrected
Okinus will not be able to delete how Ms*** has paid on
account, as it reflects the current payment history
Attached you will also find page and of the Lease
Agreement signed by Ms***At the bottom of page below signature Okinus
provides a payment schedule to all customers that gives an estimate of the
payoff after each paymentThis may be the confusion where the payoff is
changing
Ms*** is urged to contact Okinus to work out
arrangements to bring account current
*** * ***

Mr*** signed a contract on 12/12/with a due date for
1/1/15, which Okinus received on 12/12/(copy attached)Mr*** did
contact Okinus on 1/2/as stated and changed
due date to 15th of
month effective 2/15/The 1/1/payment was returned to Okinus on 1/5/
due to Insufficient FundsMr*** was contacted on 1/6/with a message
that the payment returned and account was still due from 1/1/(due date
reverted back due to Insufficient Funds) Mr*** called Okinus’ automated system on
1/13/and go payoff, balance, due date info, after an Okinus representative
left a messageThe payment for 1/16/was returned to Okinus on 1/21/due
to Insufficient Funds
Mr*** contacted Okinus on 1/21/as stated inquiring
if anyone was “in” his account on 12/31/14, Mr*** was informed no one has
his account pulled up (after receiving contract on 12/12/the account was not
worked or notated until 1/2/the day that Mr*** contacted Okinus to
change due date)Mr*** was upset and stated was calling attorney and
ended call
Mr*** called Okinus back and spoke to a different
supervisorMr*** was informed that the contract we have on file shows a
due date of 1/1/that if was changed Okinus was not notified of the change
Mr*** asked if Okinus could waive one of the late fees, as a courtesy the
fee was waivedMr*** was asked if was able to catch account up to date (“Double
Payments”=January & February payments), Mr*** stated was able to make
the “Double Payment”
Mr*** was also informed that his Day SAC (Same As
Cash) expires on 3/12/and if wanted to take advantage of the SAC to make
sure contacted office by 3/12/15; Mr*** stated he would have it paid off
by then and ended call
Okinus does not operate shadily, nor is Mr*** a target
Okinus values each customer and intentions are to have each
as a repeat customer, Okinus apologizes for Mr***’s misinterpretation;
Okinus meant no disrespect
*** ***
Obey J Salter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, however
Per the last correspondence, I stated to Revdex.com and Okinus that if the payment of any sort was forced out of my account..It would come back returnedI also stated in so many words that payment would resume once Okinus would agree on these : To stop calling me at work and on my personal phone! Also to agree to the bi-weekly payments of This needs to be done to make it official! I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
More ImportantlyThe account should be noted as currentPayment has resumed already and is scheduled to go on until bi-weekly until 1/19/15.
Regards,*** ***

I had a great experience getting my couch through companyIt was easy to deal with them.Customer service was really wonderful

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** *** ***

Ms***,
face="Calibri"> We have acknowledged your concern in regards to your credit reportWe report to Equifax every days and unfortunately there was somehow a mishapOkinus received your dispute filed and we were able to have this corrected for youWe apologize for the inconvenience and any trouble this may have caused you in the process
Sincerely,
Okinus, Inc
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