Pawnee Leasing Corporation

Complaint: ***
I am rejecting this response because:
First of all Pawnee never contacted us at all only to ask for money *** spoke with *** *** on this matter and they set up auto signing after Pawnee called *** cell which all this was done over the phone he was on the road And told in *** they needed more money to tune keep in mind he signed with tech are agreed to Let whom ever sign for him the auto sign over phone as he was getting funded for this APU unit on8/29/never once was told of 150fee or he must pay for signing which as I said was asked for in *** with late charge we discover looking at his statement with his bank on 9/was taken out then on 9/not once were myself or *** in possession of contract as it was auto signed while he was on road and over phone when Pawnee ask for more money in *** then and only then he *** was told oh you own for aug intern payment and late charge of never once told of ads fee until I spoke to that person their I believe name Stephine she was very rude telling me Im talking over her you betcha when you are drafting money you never told us we owe not good business and if it werecharges it should have been told *** over the phone then or when he went to OKC to install APU however he was dealing with *** not Pawnee we later was told *** soldout to Pawnee then they made their own rulesAnd we are seeking funds from our credit union and will call them with payoff they only refund and change when we got *** *** from *** involved with us being the customer we should not have this much problems with new companyPawnee only needed to contact *** on insurance and not tell us over over read your contract and I know Revdex.com have guidelines thats why I am going to Revdex.com don't know why she feel A need tell me what Revdex.com does I believe this case was closed in error I just return from out of town and now responding to all this the first message I received said case was close this one said the correct respond 10days to respond, so I am aware of Revdex.com policy , At any rate Im done with Pawnee and will be paying them off in full ASAPNot at all please with the way they do business
Regards,
*** ***

Pawnee Leasing Corporation agreed to finance the engine rebuild for 24/Expedite, Inc., *** *** and *** ***They signed a non-cancelable lease and put up a *** for collateralAt this time the lessee and personal guarantors are in default due to non-paymentThe
customer agreed to pay payments of $(x $675.18=$24,306.48)THe customer has paid payments (x $675.18=$8,102.16)The current payoff is the remaining payments of $16,that is being discounted to $14,618.69, plus the residual, miscfees (late fees, return fees & etc.), termination fee $minus the security deposit of $for a total of $14,I've attached the lease documents & payoff for reviewEach time the customer has contacted our office they have been unprofessional, uncooperative & demanding we reduce the amount owedWe have explained the terms to the customer several timesAt no time was there an offer to settle for $11kIn April we offered to take $13,when they owed $17,The customer made a few more payments (through November) and then defaultedThey again were demanding we reduce the amount owed & offered us $8kWe told the customer we would take $12,on a payoff of $14,I explained we do not have to discount the payoff any further as it is already being discountedHe can pay the $12k we offered or we would proceed with repossession of the collateral since the lease was in defaultThe customer refused to payAt this time the file has been forwarded to our asset recovery department and the customer continues to be uncooperativeIn an attempt to resolve this issue we'll meet the customer in the middle with a lump settlement of $10,if paid by 12/29/If it is not paid by this date we will continue our proceedings & move to litigation if necessary

We are disappointed to receive Mrs***’s complaint. We take great pride in treating every customer with great care and our contracts very clearly disclose all of the lessee’s obligations of
their contract. All terms and fees are clearly disclosed and fees are primarily due when a customer does not adhere to the payment terms or other important terms of their lease; our terms are quite customary and are clearly, conspicuously, and specifically disclosed in the lease contract. Mrs. *** unfortunately did not comply with all required terms and might have avoided all difficulties had she chosen to comply, as the vast majority of our lessees do, with the industry consistent terms of our leases. We do not “make up” additional fees. The interim rent is clearly disclosed in the first (1) paragraph of the Lease. The additional fees for not paying the interim rent (late fees and finance charges) are disclosed in section six (6) Taxes and Fees.
We have made several attempts to contact Mrs*** about the interim rent. An invoice was mailed when the lease commenced on 10/2/15. Another invoice was mailed on 10/5/(when our monthly invoices are generated). Several more invoices were mailed 11/5/15, 12/7/15, 1/5/and on 1/22/an invoice was mailed to Mrs*** advising her we would be initiating a $draft towards the outstanding balance. This was done after several attempts to reach Mrs*** by phone were ignored or disregarded. When Mrs*** signed the lease she signed an ACH Agreement authorizing all rental payments & any fees due under the lease would be drafted from the account she provided. I have enclosed a copy of the ACH Agreement along with the Lease, and invoices that have been mailed.
When Mrs*** contacted our office on February 1, she was upset about the draft we initiated on 2/1/and the fees that were due. The representative tried to explain the reason for the charges and Mrs*** disconnected the call before we could come to a resolution. At this time there is a balance of $that is due. Mrs*** owes $on the interim rent. In an attempt to resolve this issue for Mrs*** we will waive the late charges and finance charges if Mrs*** will contact our office by February 26th to take care of the $still owed on the interim rent. If she fails to take care of the outstanding balance the charges will remain due on the lease and she will incur more fees

Avoid this company! Hidden fees that are ridiculous, such as $to change your due dateCustomer service was unwilling to help with any concernsCustomer service even talked down to us and would interrupt us when we were talking and asking questions

We are sorry to hear about Mr***'s experienceI've reviewed the notes & spoke to the representativeMr*** was extremely upset when he calledIt was very difficult for the representative to keep the lines of communication open and the dialogue goingI'd like to take the
opportunity now to explain our process of terminating a leaseThe lease was terminated 7/30/It is our company policy to issue refunds within days of termination to ensure there are no payments returnedMr*** was issued a refund on 8/24/15, which is within our policyThe refund Mr*** received is the security deposit of $1,(as listed on the front page of the Lease Agreement) minus the estimated property taxes for in the amount of $(per section 8-Taxes & Fees of the Lease Agreement) and minus the $termination fee (per section 14-Termination)The refund of $1,is correctI've attached a copy of the Lease Agreement, letter that was included with the refund of $1,& the payoff at the time of terminationI'd encourage Mr*** to familiarize himself with the terms of the lease to better understand what the deductions were forIf after that he has any further questions I'd encourage Mr*** to contact me directly as I'm happy to discuss the terms with him

Again, we are sorry to hear about Mr***'s experience when he contacted our officeWe have spoken to the representative about the callAdditional training was provided to the representative on how to better handle the situation in the futureAs I explained the lease was terminated on 7/30/I've enclosed a copy of Mr***'s payment historyThe first lease payment was drafted on 8/15/The final lease payment was drafted on 2/15/The purchase option was for an additional payments which began drafting on 3/15/and ended 7/15/This is also reflected on the payment history. It is our company policy to issue refunds within days of termination which we did. We have a grace period to allow for drafts to clear and ensure there are no returns. We've already provided the necessary paperwork to show sufficient proof of why Mr*** received $1,instead of the full security depositAt this point there is nothing else for us to provideHowever, if Mr*** has any further questions about the contract he is more than welcome to contact me directly as I am happy to go over his questions with him

The most money I can pay is 9500$ by 29th december
Regards, *** ***

We are sorry to hear about Mr***'s experienceI've reviewed the notes & spoke to the representativeMr*** was extremely upset when he calledIt was very difficult for the representative to keep the lines of communication open and the dialogue goingI'd like to take the opportunity now
to explain our process of terminating a leaseThe lease was terminated 7/30/It is our company policy to issue refunds within days of termination to ensure there are no payments returnedMr*** was issued a refund on 8/24/15, which is within our policyThe refund Mr*** received is the security deposit of $1,(as listed on the front page of the Lease Agreement) minus the estimated property taxes for in the amount of $(per section 8-Taxes & Fees of the Lease Agreement) and minus the $termination fee (per section 14-Termination)The refund of $1,is correctI've attached a copy of the Lease Agreement, letter that was included with the refund of $1,& the payoff at the time of terminationI'd encourage Mr*** to familiarize himself with the terms of the lease to better understand what the deductions were forIf after that he has any further questions I'd encourage Mr*** to contact me directly as I'm happy to discuss the terms with him

Complaint: ***
I am rejecting this response because, if our account is credited back the $we will drop the complaint, attached is the dates of charges on bank statements
Regards,
*** ***

Tell us why here...Mr*** *** DBA *** ***, signed a Commercial Lease Agreement with Pawnee Leasing Corporation on 5/14/Mr*** found the vendor and *** he wanted to leasePawnee Leasing Corporation did not solicit Mr*** to lease the ***Mr*** chose ***
*** as the vendor and made a deal to trade in a *** *** Model #*** for a *** *** Model #***By signing the Lease Agreement Mr*** acknowledged and agreed to lease the new model (*** *** Model #***) for months at $1,Per the verbal authorization of Mr*** on June 1, Pawnee Leasing Corporation paid *** *** $24,The first payment was due by *** on July 1, Mr*** called us on June 29, and requested to delay the payment because he was having issues with the ***We stopped the payment and rescheduled it to the 17th per his requestMr*** called us again on the 14th to advise us the money would not be available as he was still having issues with the ***After several discussions with Mr*** and due to the *** problems we agreed to defer his first paymentPawnee Leasing did not have to defer the paymentPer the Lease Agreement Mr*** accepted the *** in its current condition and any *** issues are to be addressed directly with the vendorHowever, we wanted to work with Mr*** and agreed to the deferralHe advised us by the end of July *** *** exchanged the *** for another unit (same model #)Mr*** agreed to make the August 1, by the 14thMr*** contacted us on the 11th to request to push the payment back to the 21stHe said the new unit he received broke downMr*** contacted us once again to let us know he couldn’t make the August payment and that *** *** was going to fix the ***We deferred the August 1st payment for him as well & started his payments 9/1/By September 28, Mr*** had not made the September paymentHe asked us to pick up the *** as he could not put any more money into itHe immediately called us back and said the vendor *** *** would pick it up and sell it for usWe spoke to *** *** and after negotiations they agreed to buy the *** for the Fair Market Value of $22,We received the funds and applied it to the leaseWe notified Mr*** of the deficiency balance and offered to settleMr*** refused to payMr*** originally agreed to payments at $1,(* $1,282.16=$46,157.76)When we agreed to defer the first two payments for Mr*** we advised him it would change his current terms and he would have to make additional paymentsHe agreed to change the terms to payments at $1,(* $1,329.43=$50,518.34)The sale of *** for $22,was applied to the balance and he owes a deficiency of $28,Since Mr*** refused to work with us his account was placed with a third party collection agency who that is requesting the full payoff plus their fees (per section 10.-Default of Mr***’s lease)We did not receive Mr***’s trade in nor are we able to deliver any such *** to Mr***He traded it in for a newer model, which he agreed to lease & defaulted on & then voluntarily turned it into *** ***If Mr*** would like to resolve the balance that is owed he needs to contact *** *** *** *** at *** ***Any questions or complaints he has about the *** need to be addressed with *** *** as they were the vendor that provided the ***We only provided the financing

We are disappointed to receive Mr*** ***’s review about our companyWe have been in business for years and we have financed tens of thousands of contracts for customers*** ** *** *** *** signed a legal contract with *** *** *** on March 17, along with
that contract *** ***, *** *** and *** *** signed as Personal GuarantorsThe contract has been assigned to Pawnee Leasing Corporation and we serviced the contractI have attached a copy of the assignment and the contractThe responsibility of the personal guarantors is covered in the contract and it clearly states that by signing as a personal guarantee you unconditionally guaranty the full and prompt payment of all Lessee’s obligationsOnce we were informed the business closed in April 2017, the account was in default and the contract needed to be paid in fullCommunication was sent to all parties, that included the personal guarantors in which Mr*** *** received his notice*** *** called our office on May 23, and gave us authorization to speak to his wife *** *** and that he would have *** call our office*** did call our office the same day and informed us she would be paying the contract off as she did on May 24, There was no harassing or threating, or unethical tacticsIt is unfortunate the Mr*** ***s business closed and the personal guarantors had to take responsibility for the business and the financial responsibility they guaranteed for Mr*** ***Perhaps Mr*** *** should take responsibility for having asked other individuals to sign a legal binding contract on his behalf. Pawnee collected what was owed per the contract and there are no refunds due to any parties

We are disappointed to receive Mrs***’s complaint. We take great pride in treating every customer with great care and our contracts very clearly disclose all of the lessee’s obligations of their contract. All terms and fees are clearly disclosed and fees are primarily due
when a customer does not adhere to the payment terms or other important terms of their lease; our terms are quite customary and are clearly, conspicuously, and specifically disclosed in the lease contract. Mrs. *** unfortunately did not comply with all required terms and might have avoided all difficulties had she chosen to comply, as the vast majority of our lessees do, with the industry consistent terms of our leases. We do not “make up” additional fees. The interim rent is clearly disclosed in the first (1) paragraph of the Lease. The additional fees for not paying the interim rent (late fees and finance charges) are disclosed in section six (6) Taxes and Fees.
We have made several attempts to contact Mrs*** about the interim rent. An invoice was mailed when the lease commenced on 10/2/15. Another invoice was mailed on 10/5/(when our monthly invoices are generated). Several more invoices were mailed 11/5/15, 12/7/15, 1/5/and on 1/22/an invoice was mailed to Mrs*** advising her we would be initiating a $draft towards the outstanding balance. This was done after several attempts to reach Mrs*** by phone were ignored or disregarded. When Mrs*** signed the lease she signed an ACH Agreement authorizing all rental payments & any fees due under the lease would be drafted from the account she provided. I have enclosed a copy of the ACH Agreement along with the Lease, and invoices that have been mailed.
When Mrs*** contacted our office on February 1, she was upset about the draft we initiated on 2/1/and the fees that were due. The representative tried to explain the reason for the charges and Mrs*** disconnected the call before we could come to a resolution. At this time there is a balance of $that is due. Mrs*** owes $on the interim rent. In an attempt to resolve this issue for Mrs*** we will waive the late charges and finance charges if Mrs*** will contact our office by February 26th to take care of the $still owed on the interim rent. If she fails to take care of the outstanding balance the charges will remain due on the lease and she will incur more fees

It’s always concerning to receive a disappointed customer complaint such as Ms***The customer entered into an Equipment Finance Agreement on January 19, with *** *** *** *** which was assigned to Pawnee Leasing. Attached is a copy of the contract and
assignment. All terms are clearly disclosed throughout the contractThe Pre-Delivery and Installation states in lieu of any portion or all of the financed equipment referred to equipment the borrower agrees to assume full responsibility for the delivery and installation of the equipmentBorrower also agrees that the equipment is irrevocably accepted for all purposes under the agreementThe contract was funded on January 22, It was not until February 9, when the customers contract payment was returned, that we were informed of any issues with the vendorBoth Pawnee Leasing and *** *** have been trying to work with the customerA refund was issued by the vendor, *** *** ***, on February 27, We have prepared an addendum to modify the current contract and reflect the refund of $800.00. The refund lowered the monthly payment from $to $137.56. The refund does not change any other terms of the contract. Ms*** still has a payment that is now days past due for February 1st and her March 1st payment in the amount of $(two payments of $plus a late fee of $27.97). Ms*** has two return charges of $each due to the return on the February payment which we will waive if Ms*** signs & returns the addendum along with paying the total amount past due. We have tried to reach Ms*** about the refund and addendum on February 27, & again on February 28, by phone and email. We believe *** *** has also tried to reach out to Ms*** & she has not responded. It is unfortunate that Ms*** is choosing this venue to mispresent our company’s service and not taking responsibly that she chose to enter into a financial obligation, an equipment lease, whose terms and conditions she is not complying withWe hope the customer can see we are trying to be accommodating and have attempted to resolve the issue however, we have yet to hear from Ms***. We kindly ask that Ms*** sign & return the addendum along with taking care of the total past due. Otherwise her contract is in default and per section eleven (11) Default section of the contract we’ll have no choice but to accelerate her contract & demand the total amount due. We would prefer to work with Ms*** and get her back on track if she would please give us a call

There was not enough room to type the response, it's included in the documents.February 16, 2016Re: Complaint #***Pawnee Leasing is disappointed to receive Mr***’s complaint regarding our communication ofinsurance In the review of the account there appears to be a misunderstanding of
the charges theyhave been assessed We believe we are able to explain what has taken place on Mr***’s accountand we hope we can come to an agreement that will satisfy Mr***’s concerns We take ourcustomers concerns and complaints very seriously and want to address the issue.The lease funded in July At that time we provided a copy of the lease, welcome letter and anattachment describing the requirements for providing sufficient proof of insurance We believe theinformation that is sent to our customers at the beginning and during the term of the lease specificallystate the requirements We also believe we are giving our customers ample time to provide coveragebefore charges are assessed.On July 13, we received an email from *** *** from *** *** (the originatingbroker) with a copy of the insurance certificate for Mr*** Pawnee Leasing was not listed as LossPayee An email was sent back to *** *** with the specific requirements Another certificatewas provided to us on July 16, with the correct requirements We accepted the certificate andcoded the account as proof of insurance being received and effective until 11/8/ There were nocharges accessed or charged to Mr***’s account at this time.Pawnee Leasing will perform monthly audits on the accounts to ensure proper proof of insurance isprovided On November 24, during our audit process we recognized the proof of insurance thatwas provided had expired on November 8, and a renewal had not been provided An insurancenotice was sent to *** *** *** at *** *** *** *** ** *** on November 24,requesting an updated certificate The insurance notice explains the requirements that areoutlined in the Lease Agreement An insert is also included to cover the different types of liabilitycoverages and requirements A monthly invoice will then be generated by the 5th of the next month ifthe sufficient proof of insurance has not been received An invoice for the charges were sent on12/7/and again on 1/5/ The invoice states “In order to avoid this charge and/or potential futuremonthly charges, you must provide an acceptable certificate of insurance with all requirement met peryour contract agreement by the 20th of the current month Please fax a copy of your certificate ofinsurance referencing your lease number to Pawnee Leasing Corporation, Attention: InsuranceAdministration at 970-494-4014, email a copy to: [email protected], or call 800-864-for Customer Service.” The exact requirements are not listed out on the invoices since theinvoices are used as notification of charges being assessed Any explanation of charges beingassessed to a customer are covered in the lease agreement or provided in earlier communications.The ACH Agreement signed by Mr*** states they authorize Lessor (Pawnee Leasing Corp) to initiatedebits for all amounts due under the Lease Agreement Debits will be initiated on the 25th of themonth if the required proof of insurance is not provided by the 20th.On January 26, we received a fax of an insurance certificate however we were not listed as LossPayee An Insufficient coverage letter was mailed on February 2, to *** *** *** at*** *** *** *** ** *** An invoice was also mailed on February 4, Mr***contacted our office on February 10, about the charges We advised him we had not receivedsufficient proof of insurance The representative emailed a cover letter with the requirements to*** and explained the only way to get a refund was to provide proof theinsurance was provided Mr*** explained he emailed it a while ago It appears Mr*** may havebeen referring to the certificate received in July which was received and charges have not beenassessed since the beginning of the lease Mr***’s insurance agent emailed us a certificate onFebruary 10, with an endorsement showing Pawnee is listed as Loss Payee The charge Mr***received for February 25th was waived Mr*** was assessed a charge for no proof of insurance inDecember and January for a total of $170, not $340.Our representative notified Mr*** and his agent via email on February 10, the informationprovided was sufficient and the fees are nonrefundable without a confirmation that the full sufficientevidence of insurance was provided to our office prior to the due dates The lease agreement doesstate the charges are nonrefundable However, it appears Mr*** understands why the charges wereassessed he just doesn’t agree with the manner in which we communicated it to him In effort toresolve Mr***’s dissatisfaction we will agree to refund the full $that was debited and apply it tohis next payment (March 15, 2016) Again, we are sorry to hear about Mr***’s experience and wehope an explanation of the process was helpful.Attached is a copy of the welcome letter, requirements for insurance, lease, invoices, letters, paymenthistory and insurance certificates provided

Worst company to deal with when starting a businessWill not work with you in a money crunchTake part of the 50% interest they will charge you for your equipment and look for investors

We are not scamming small business owners, we are enforcing the terms and conditions of the leaseMs*** is choosing to ignore the terms of her contract and the fact Pawnee Leasing owns the equipment. Ms*** is renting the equipment until the purchase option & outstanding fees are paid. Pawnee Leasing is required by state law to file and pay property taxes on the equipment we ownI have attached a copy of the Property Tax Bill that we received from *** *** *** *** that includes the property taxes that were due on Ms***’s equipment along with amounts due on other lessee’s equipment in *** ***. The information shows the breakdown for her equipment, a copy of the check that we paid to *** *** and her property tax invoice. Ms*** has agreed to reimburse us for these taxes per section six (6) Taxes and Fees: You will promptly reimburse us for an hold us harmless against all state, federal or other fees, assessments, charges and taxes (including penalties and interest but excluding taxes on our taxable income), which now or hereafter may be imposed on or with the respect to this Lease, the Equipment or amounts payable hereunder. You authorize us to file personal property tax and other tax returns on your behalf. You will pay a tax filing fee of $for each tax return filed with regard to the Equipment. Upon termination or expiration, or a default under this Lease, you will pay us 2% of the Equipment Cost for any assessed but unpaid taxes or other post-closing costs we may incur. Ms*** can go to her local county assessor’s office and show them the attached documentation. She can provide this information along with her own copies of any property taxes that she may have paid directly to them for the equipment she is leasing and request a refund for any amounts paid. We’d request that Ms*** review the documentation we have provided to her once again to better understand that Pawnee Leasing is simply trying to abide by all state and federal tax laws as owners of the equipment by filling and paying property taxes that are due each year. Ms*** can stop further charges & fees from accruing by paying the amount due on the lease in the amount of $by March 30, 2018. Once the payoff is received a Bill of Sale will be sentIf Ms*** continues to refuse to pay the final balance, we will proceed with the action as outlined in section (10) Default on her lease agreement

We are always disappointed to receive complaints like Ms***’s about our companyWe have been in business for over years and we have financed tens of thousands of contracts for customersMs*** signed a non-cancelable legal binding commercial Lease Agreement on January 28, Our
terms and fees are quite customary and are clearly, conspicuously, and specifically disclosed in our contractsAs for the insurance and property taxes they are also disclosed in the Lease Agreement in section six and seven of the lease. Section six (6) Taxes and Fees: You will promptly reimburse us for an hold us harmless against all state, federal or other fees, assessments, charges and taxes (including penalties and interest but excluding taxes on our taxable income), which now or hereafter may be imposed on or with the respect to this Lease, the Equipment or amounts payable hereunder. You authorize us to file personal property tax and other tax returns on your behalf. You will pay a tax filing fee of $for each tax return filed with regard to the Equipment. Upon termination or expiration, or a default under this Lease, you will pay us 2% of the Equipment Cost for any assessed but unpaid taxes or other post-closing costs we may incur. Section seven (7) Insurance: You will maintain: current physical damage insurance for the amount of Equipment Cost or replacement value, whichever is higher, name us “Loss Payee” and acceptable public liability insurance naming us “Additional Insured”. Specific minimum liability amount may be required for specific types of equipment. Each policy must be with an insurer of the requirements hereof. If you do not comply and deliver sufficient proof of insurance, you must pay an additional 1% of the Equipment Cost each month, or fraction, thereof. The additional payment is not calculated based on our actual exposure and represents additional profit. Such payment shall not be considered as insurance, a replacement for insurance or payment for insurance and provides no coverage. Such payment does not relieve you from your responsibility hereunder to obtain insurance. You can stop this charge by delivering satisfactory proof of insuranceSatisfactory proof of insurance must be delivered to us before the 20th of the month to avoid a charge for insufficient/no proof of insurance. This is a monthly fee and is nonrefundable. The termination fee is also covered in section four (4) Late Payments/Other ChargesOn expiration or earlier termination of this Lease you will pay a termination fee of $Pawnee Leasing owns the equipment until the lease is paid in full. Ms*** agreed to promptly reimburse us for all state, federal and other fees including a tax-filing fee of $for each tax return filed with regard to the EquipmentInvoices are sent monthly with a description of any outstanding items. Invoices were sent to Ms*** on January 8, 2018, February 6, and March 5, (invoices are attached to the copies of the lease)Our representative made a call to Ms*** on March 20, to go over her payoff at which time Ms*** was very unprofessional. She was yelling and using profanities. Our representative informed Ms*** we wanted to explain the payoff to her in detail but she would need to remain professional. At that time Ms*** requested to speak to a Supervisor which she was transferred to immediately. Ms*** continued to be very upset and was yelling. It was explained again to Ms*** that we wanted to go over the outstanding charges on her account and work with Ms***. The Supervisor advised her as a courtesy we would waive the required termination fee in the amount of $Ms*** continued to be upset and ended the callWe understand Ms*** is upset however, Pawnee Leasing is not taking advantage of small business owners. We offer opportunities and financing solutions to business owners like Ms*** that they might not receive otherwise. We have expressed our willingness to assist Ms***. The fees outlined in her payoff are covered in the Lease Agreement and they are terms Ms*** agreed to when she signed the contract. We hope Ms*** reviews this information and understands we have offered her a solution to close out her lease. Once the $is paid we will issue a Bill of Sale and the lease will be paid in full. If Ms*** continues to refuse to pay the final balance we will proceed with the actions as outlined in section ten (10)Default of her lease agreement

We’d like to start by apologizing for any inconvenience we may have caused *** *** *** and Ms*** for drafting the no proof of insurance on 8/25/16. The proof
of insurance was received by 8/18/and the charge should have been waived. It was our error for drafting the charge on 8/25/16.
The lease funded 6/24/16. At that time we sent a welcome packet that includes a letter explaining specific terms of the lease. Insurance is one of those terms. An invoice was mailed to the business on 7/5/16. The invoice stated there would be a charge drafted on 7/25/due to no proof of insurance. The invoice also states they would have until 7/20/to provide the sufficient proof of insurance. Calls were made to the customer and messages were left for the customer to call us back on 7/13/and 7/29/16. Ms*** *** contacted our office on 8/10/asking about the insurance. We gave her the requirements and after a few attempts of trying to provide the sufficient proof of insurance on the 15th, 16th and 17th the corrected proof of insurance was received by 8/18/16.The charge that was drafted on 8/25/has been applied to the outstanding interim rent that was due on the lease & Ms. *** advised us to draft the balance of the outstanding payment on 8/30/16. The August charge has been credited back to the customer. The July charge was billed and drafted according to the lease due to the proof of insurance not being received prior to 7/20/16. However, we recognize we did make an error in August and in attempt to fix our error we’ll credit the July charge of $to the customers September 15th payment as well
Again we are very sorry for any inconvenience this may have caused and thank you for bringing the error to our attention. We appreciate your business

While we appreciate Mr*** pointing out the 5-complaints for the tens of thousands of customers we have serviced over years Pawnee Leasing has been providing competitive and customer-centric equipment leasing options for over 65,individual customers. It is unfortunate that Mr*** is choosing this venue to misrepresent our company’s services and impeccable reputation vstaking personal responsibility that he chose to enter into a financial obligation, an equipment lease, whose terms and conditions he chose to disregard and/or not comply with. We have had several attorney’s review the terms of our contracts. We would not be in business for over years if we were scamming our customers and fabricating documents. Each piece of document that was provided has been mailed to Mr***, whether he chose to read it and act on it was up to him.
As of today Mr*** has failed to cure his default and is falling further past due. We intend to continue with our collection processes if Mr*** does not communicate with us on how intends to bring his account current & provide the sufficient proof of insurance. If Mr*** intends on visiting with “the proper agencies” we would recommend he provide a copy of the lease he signed and agreed to. We would be happy to discuss the terms with any authorities he authorizes us to discuss his lease with and hear from them on how Mr***’s default will be cured

Pawnee Leasing approved terms for Mr*** to lease a commercial
truck, from an approved, licensed dealer on a month FMV lease contractThis contract was negotiated by Mr
*** through an equipment *** broker, *** ***, to whom Mr***, made all verbal,
telephonic and other contact . Pawnee Leasing has not had
any verbal or written contact with Mr***.Mr*** is correct that we will only purchase titled vehicles
from licensed dealers in the United StatesAs this was not disclosed to us at the time of application, we notified Mr*** representative at *** *** upon receiving title paperwork, stating that
Pawnee would not be able to proceed with an non-approved, unlicensed dealer. Once the funds sent to us by Mr*** have cleared our bank, we will certainly cancel the contract, and issue a prompt refundWhile we respect Mr*** complaint, it is unfortunate that all parties in the transaction were not forthright with us earlier in the process as all of these problems could have easily been avoided