Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I'll just follow up with the Federal Trade Commission and The Attorney Generals office in regards to the continuous run-aroundI've NEVER received one phone call and the only response I can get from the company would be here on the Revdex.comI take this matter extremely serious and I will be proceeding with a formal complaintI will be sure to send ALL correspondence and documentation in addition to the recorded conversations from when the issue originally began You are NON compliant with the laws of credit reporting and you've breached contractConsider this my last request for a direct number of an employee who can assist me directly as I've gotten nothing in the past There should be someone who can work with me side by side to resolve the issue and ensure I get what is owed to meI will also be filing a complaint against exclusive furnitureRest assured I will not allow the matter to remain unresolvedI've given more than enough time to your company to do the noble thing and I see you have no intention on doing so! Regards, [redacted]
It is unfortunate that Mrs [redacted] did not read over the "lease contract" in the beginning so that she could question the lines of the contract that she was not accustomed toOkinus has not set out to intentionally deceive anyoneMrs [redacted] had no contention with Okinus when called in the beginning of the "lease contract"The "lease contract" was explained to Mrs [redacted] on 9/12/2013, Mrs [redacted] stated at that time that the store explained to her incorrectly and was contacting themOkinus did not hear anything further from Mrs [redacted] until 10/29/when made a lump sum payment on accountAs stated previously on the numerous payoff were due to the numerous requests for payoff on different days and the returned paymentAs with any type of financing your payoff will change from month to month and when payments are returnedAs stated before Okinus reports to Equifax to help build the credit for customers that need itAll of the fees are disclosed on contract as well [redacted] Senior Manager
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.Okinus automatically took out the 181$ out of my account every 1st day of the monthThen why didn't they don't take out the money come October 16th.I just had 162$ and some cents to complete my purchaseMy understanding was that the money would automatically come out of the account.That is why my call to Okinus was immediately after the 1st because that money that got out of my account was not expected Regards, [redacted]
[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 [redacted] , 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, [redacted]
Ms [redacted] signed a contract with Okinus on 3/7/(copy attached)The down payment that Okinus shows received $(per contract and payment history attached)Ms [redacted] received a Welcome Letter (attached) as do all customers; going over payment amount, due date, terms and SAC expiration Ms [redacted] did not contact Okinus until 7/29/(SAC ended on 6/16/14)The current payoff for Ms [redacted] is $Okinus has worked with Ms [redacted] when the transition of employment took placeOkinus appreciates Ms [redacted] staying in contact and updating when the changes occurred A settlement is not offered, Ms [redacted] is urged to pay the account off per the contract [redacted] Senior Manager
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.The Okinus website does NOT state that the $was the early payoff amount dueI have attached a screenshot shot of the updated website as of 11/8/It shows I owe $in the spot where the $was previously locatedWhen I looked at the Okinus website I assumed partial payments would be taken since the loan was almost paid offThe website helped this assumption alongEven with Okinus accepting the last full payment as the early payoff option I am still owed a refund of the difference! Regards, [redacted] ***
Mr [redacted] did enter into a lease agreement with Okinus for the amount of $as a cash price before sales taxOkinus is a leasing finance company and we have to charge the sales tax and pay them to the county each customer lives inThe retailers that use Okinus as a finance company does not include sales tax in our customer's cash price when they do the contract due to thisHad they went ahead and included the sales tax Mr [redacted] 's cash price would have been $This would have been the amount he would have paid had he not financed with Okinus and bought the merchandise straight from the storeIf Mr [redacted] decides to do days same as cash with Okinus the $will be the amount he pays to OkinusThe contract that Mr [redacted] signed states that sales tax will be charged will be included throughout the contractI also reviewed Mr [redacted] 's invoice to make sure the retailer MR [redacted] went to didn't include sales tax and it wasn’tOkinus will not be able to deduct the amount of the taxes from Mr [redacted] ’s account being it does state in the contract he will be charged sales tax on the merchandiseIf Mr [redacted] would like a copy of his signed lease and invoice he can contact Okinus and we will be glad to send him a copy
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , there seems to be an inability to understanding what I am saying to the companyThere was a judgment placed against me , reason : Okinus processed a payment out of an account that I informed them no longer was my accountI stated on the phone several different times that I needed account ending in *** not to be charged a paymentI provided a new account however, this company stilled debited the wrong accountBy debiting the wrong account my ex pressed charges against me After going to court for this charge, a judgement was placed against me for the NSF fees that were caused because of the mistake on Oknius part I am not stating that Oknius has a judgement against them I am stating that I have a judgement against me because of Okinus errorOkinus also hit my credit score with a negative remark when it was their mistake that caused the errorI am stating that I have never been reimbursed for this companies mistake , nor has my credit reporting been corrected because of their mistakeI am asking Oknius to reimburse me for the judgement I had to pay because of their mistake, and to update their credit reporting for that time, because I should not have a negative remark on my credit for the time period that they made the mistake and I currently doI do not feel comfortable with this company debiting my account due to the fact that they cause such a big error and have never taken full ownership of the matterI have even had to fight with them to take the NSF off my account with them for that time period when it was the company who caused the errorI will get my judgement papers re-mailed to themI will also ask the lawyer who handled my court case to forward all doc to this company as wellI would like them to give me a lump sum settlement to pay this account off because I do not feel confident that they will not make the same mistake twiceSo to make it clear what I am asking for is for the following For okinus to update my credit report stating that I was not 30days late during the month they debited the wrong account I would like a lump sum settlement amount to be sent to me to pay off this account because I do not trust they will not make that mistake again I would also like reimbursement for the charges I incurred because of their mistake I am going to mail the judgement letter from my court hearing to Okinus today(7/24/) it has all information about the case and the lawyer who handle my case will send his documents as well[Provide details of why you are not satisfied with this resolution.] Regards, [redacted]
After review of the call where Ms [redacted] called into Okinus on 2/18/14, Ms [redacted] stated that needed to make an extra payment for $and to ACH debit the account that we had on fileThe representative concluded the call that the extra payment was set up for 2/18/14, Ms [redacted] did not state that intention was to pay account off in the SAC periodThe recording is available if Ms [redacted] would like to review Due to the confusion of Ms [redacted] ’s intentions for the extra payment Okinus will honor the SAC payoff and refund the overpayment of $to the account on fileOkinus will not be responsible for any fees associated with this transaction [redacted] Senior Manager
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.The company stated that all calls were recordedThey also stated that I initially called in, when in turn upon review of my call log I noticed that the company called to meThis is not the first time that this company has drafted my account when either the account was paid up ahead of schedule or I request a call backSending email is not appropriate as I said to the representative that the email was not received/reviewed until the overdraft of my account occurredThe initial call made by the company on 12-21-lasted for minutes seconds and I request a call back on 1-1-to schedule a payment later within that month using the same account as the last paymentOkinus, Inchas not offered any type of resolution only an apology for not having the promised tape recording which is mandated by the FTC to keep on record for monthsTheir response in unacceptable at this current time Regards, Christina Grayson
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I'll just follow up with the Federal Trade Commission and The Attorney Generals office in regards to the continuous run-aroundI've NEVER received one phone call and the only response I can get from the company would be here on the Revdex.comI take this matter extremely serious and I will be proceeding with a formal complaintI will be sure to send ALL correspondence and documentation in addition to the recorded conversations from when the issue originally began You are NON compliant with the laws of credit reporting and you've breached contractConsider this my last request for a direct number of an employee who can assist me directly as I've gotten nothing in the past There should be someone who can work with me side by side to resolve the issue and ensure I get what is owed to meI will also be filing a complaint against exclusive furnitureRest assured I will not allow the matter to remain unresolvedI've given more than enough time to your company to do the noble thing and I see you have no intention on doing so! Regards, [redacted]
It is unfortunate that Mrs [redacted] did not read over the "lease contract" in the beginning so that she could question the lines of the contract that she was not accustomed toOkinus has not set out to intentionally deceive anyoneMrs [redacted] had no contention with Okinus when called in the beginning of the "lease contract"The "lease contract" was explained to Mrs [redacted] on 9/12/2013, Mrs [redacted] stated at that time that the store explained to her incorrectly and was contacting themOkinus did not hear anything further from Mrs [redacted] until 10/29/when made a lump sum payment on accountAs stated previously on the numerous payoff were due to the numerous requests for payoff on different days and the returned paymentAs with any type of financing your payoff will change from month to month and when payments are returnedAs stated before Okinus reports to Equifax to help build the credit for customers that need itAll of the fees are disclosed on contract as well [redacted] Senior Manager
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.Okinus automatically took out the 181$ out of my account every 1st day of the monthThen why didn't they don't take out the money come October 16th.I just had 162$ and some cents to complete my purchaseMy understanding was that the money would automatically come out of the account.That is why my call to Okinus was immediately after the 1st because that money that got out of my account was not expected Regards, [redacted]
[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 [redacted] , 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, [redacted]
Ms [redacted] signed a contract with Okinus on 3/7/(copy attached)The down payment that Okinus shows received $(per contract and payment history attached)Ms [redacted] received a Welcome Letter (attached) as do all customers; going over payment amount, due date, terms and SAC expiration Ms [redacted] did not contact Okinus until 7/29/(SAC ended on 6/16/14)The current payoff for Ms [redacted] is $Okinus has worked with Ms [redacted] when the transition of employment took placeOkinus appreciates Ms [redacted] staying in contact and updating when the changes occurred A settlement is not offered, Ms [redacted] is urged to pay the account off per the contract [redacted] Senior Manager
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.The Okinus website does NOT state that the $was the early payoff amount dueI have attached a screenshot shot of the updated website as of 11/8/It shows I owe $in the spot where the $was previously locatedWhen I looked at the Okinus website I assumed partial payments would be taken since the loan was almost paid offThe website helped this assumption alongEven with Okinus accepting the last full payment as the early payoff option I am still owed a refund of the difference! Regards, [redacted] ***
Mr [redacted] did enter into a lease agreement with Okinus for the amount of $as a cash price before sales taxOkinus is a leasing finance company and we have to charge the sales tax and pay them to the county each customer lives inThe retailers that use Okinus as a finance company does not include sales tax in our customer's cash price when they do the contract due to thisHad they went ahead and included the sales tax Mr [redacted] 's cash price would have been $This would have been the amount he would have paid had he not financed with Okinus and bought the merchandise straight from the storeIf Mr [redacted] decides to do days same as cash with Okinus the $will be the amount he pays to OkinusThe contract that Mr [redacted] signed states that sales tax will be charged will be included throughout the contractI also reviewed Mr [redacted] 's invoice to make sure the retailer MR [redacted] went to didn't include sales tax and it wasn’tOkinus will not be able to deduct the amount of the taxes from Mr [redacted] ’s account being it does state in the contract he will be charged sales tax on the merchandiseIf Mr [redacted] would like a copy of his signed lease and invoice he can contact Okinus and we will be glad to send him a copy
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , there seems to be an inability to understanding what I am saying to the companyThere was a judgment placed against me , reason : Okinus processed a payment out of an account that I informed them no longer was my accountI stated on the phone several different times that I needed account ending in *** not to be charged a paymentI provided a new account however, this company stilled debited the wrong accountBy debiting the wrong account my ex pressed charges against me After going to court for this charge, a judgement was placed against me for the NSF fees that were caused because of the mistake on Oknius part I am not stating that Oknius has a judgement against them I am stating that I have a judgement against me because of Okinus errorOkinus also hit my credit score with a negative remark when it was their mistake that caused the errorI am stating that I have never been reimbursed for this companies mistake , nor has my credit reporting been corrected because of their mistakeI am asking Oknius to reimburse me for the judgement I had to pay because of their mistake, and to update their credit reporting for that time, because I should not have a negative remark on my credit for the time period that they made the mistake and I currently doI do not feel comfortable with this company debiting my account due to the fact that they cause such a big error and have never taken full ownership of the matterI have even had to fight with them to take the NSF off my account with them for that time period when it was the company who caused the errorI will get my judgement papers re-mailed to themI will also ask the lawyer who handled my court case to forward all doc to this company as wellI would like them to give me a lump sum settlement to pay this account off because I do not feel confident that they will not make the same mistake twiceSo to make it clear what I am asking for is for the following For okinus to update my credit report stating that I was not 30days late during the month they debited the wrong account I would like a lump sum settlement amount to be sent to me to pay off this account because I do not trust they will not make that mistake again I would also like reimbursement for the charges I incurred because of their mistake I am going to mail the judgement letter from my court hearing to Okinus today(7/24/) it has all information about the case and the lawyer who handle my case will send his documents as well[Provide details of why you are not satisfied with this resolution.] Regards, [redacted]
After review of the call where Ms [redacted] called into Okinus on 2/18/14, Ms [redacted] stated that needed to make an extra payment for $and to ACH debit the account that we had on fileThe representative concluded the call that the extra payment was set up for 2/18/14, Ms [redacted] did not state that intention was to pay account off in the SAC periodThe recording is available if Ms [redacted] would like to review Due to the confusion of Ms [redacted] ’s intentions for the extra payment Okinus will honor the SAC payoff and refund the overpayment of $to the account on fileOkinus will not be responsible for any fees associated with this transaction [redacted] Senior Manager
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.The company stated that all calls were recordedThey also stated that I initially called in, when in turn upon review of my call log I noticed that the company called to meThis is not the first time that this company has drafted my account when either the account was paid up ahead of schedule or I request a call backSending email is not appropriate as I said to the representative that the email was not received/reviewed until the overdraft of my account occurredThe initial call made by the company on 12-21-lasted for minutes seconds and I request a call back on 1-1-to schedule a payment later within that month using the same account as the last paymentOkinus, Inchas not offered any type of resolution only an apology for not having the promised tape recording which is mandated by the FTC to keep on record for monthsTheir response in unacceptable at this current time Regards, Christina Grayson