Payday Loan Resolution, LLC

The lenders removed all interest that you agreed to pay when you breached their contract with themWe contracted you on balances that would of needed additional monies when paid out to the lendersAll the lenders want at this point is the money you originally borrowedWe contract 35% of the enrolled balance as a starting figure, no guarantees of amount of settlementWhen we spoke, you admitted to being aware of interest not stopping just because you enrolled with usPlease tell me where you have proof of us terminating with [redacted] to save face or is this just your determination because this is what you thinkYou have no idea of anything or what [redacted] has now done to our company because once again of their decision not ours

[redacted] , enrolled in our program at the end of Jan and first payment began as of the 10th of FebShe had been consistent with all of her payments, however, her last payment was returned for account closed statusAs per, our contract we give clients days to notify us of any changes in current information on fileIf we do not receive the necessary information to process deposits for settlement purposes, clients are removed from the program and receive any money remaining in their escrow accounts [redacted] failed to get us her new bank informationThe reason for her removal is explained as, our third party company charges fees and clients money gets depletedShe was given the opportunity to resend the bank information in to get everything reopened, but choose not to listen to my Customer Service ManagerShe was rude and yelled at my staff, which will not be toleratedShe had requested that myself and my staff spend the time to go through her contract completely over the phone, when she acknowledge the contract originally when enrolling in the programWe deal with numerous consumers that require us to service there needs and we don't have the staff members to agree to her demandShe was sent the contract again and she called in with numerous questionMy Customer Service Rep, did acknowledge and answer all her questions by going through all notes on her account with herShe did receive a refund, however, was reversed for the fact of the matter that she is recalling all her deposits with her bankWe will not be sending her back any funds as we will not take any losses for our company

We provided [redacted] the information that we would provide to all of our clients in her type of situation [redacted] paid a total of $1317.00, Nsfed payments totaling $The NSFs were in November and in DecemberThe client had requested all settlement letter involved in her program, however, we only provide clients with the accounts that have actually been paid out for many reasonWe did have settlements with [redacted] ***, paying $and one with [redacted] Unfortunately, do to her consecutive NSF's, we were unable to pay [redacted] and in this insistence the client would not receive a copy of settlement on an unpaid loanWe did provide her verbatim what was exactly corresponded with the lenderWe will not provide her a signed proposal, that means we are stating it was paid to [redacted] and will not tarnish our relationships with our lendersAs for [redacted] s, they are a separate company from ours and have no control over access, client needs to call them directlyClient will not be receiving a refund, do to the history of her account and the work done

We are not accusing you of stopping payment, however, your continuation of mistreatment will not be tolerated as you have continued to be demanding of what we need to doYou havent listened to us at any point throughout our conversations.No more of a refund will be returned

[redacted] when you write information against our company on the Revdex.com, please make sure your information is accurateI have attached documents pertaining to your account [redacted] , you will notice that on the first document that you personally called [redacted] to cancel from our companyYou previously stated to us, that you didn't want to make your last payment because you are assuming the lenders are closedThe lenders that you have are opened and we work with them daily for numerous clients, however, we never stated you will not receive a refundWe are waiting till your last payment is cleared to send monies back to youAssuming that the last payment will not clear your refund will be $If your last payment does clear it will includeThe second sheet shows the exact amount you have paid which includes all program costs paying a total of $

This company falsely accused me if stopping payment to them so they canceled my account I provided them with the asked for signed letter from the manager of my bank stating that I did not stop paymentI have an email from the customer service rep from the company stating that she spoke to him on the phone and it is confirmed that I DID NOT stop paymentSo they ended my contract for something I did not do, have proof I did not do it, acknowledged that I did not do it but they are still trying to keep most of the money I paid them even though they are no longer providing the service which is a breach of contract I demand a full refund of my moneyNothing less is satisfactory or will be accepted

I will have my customer service manager reach out to client personally, in which we apologize for error in communication

In reference to the complaint listed below, [redacted] enrolled in our program on March 7, At that time and till her request to cancel, we have worked on her file and had sent out settlement offers to all of the lenders enrolledWhen the client had requested to cancel, we sent back her remaining funds available in her [redacted] ’s escrow account As stated in our contract, we are only subjected to send back the amount in escrow if client is wanting to cancelUnfortunately, [redacted] , breach her contract when she had requested to cancel after she was unable to defer her paymentShe had called in to late and the payment had already begun processing in [redacted] ’s systemClient became upset and belligerent to my customer service representative, in which, we will not allow a client to use profanity of any mannerWe repeated asked client to please calm down, but was unwillingCurrently at this moment, we will not be sending any additional funds back to clientThank you, Lauren P [redacted] Financial Controller

An attachment of her contract is included

[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 is satisfactory to me Regards, [redacted] ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: Because I am not receiving the documentation that I requested based on the payments made It's clear they did not communicate with the other lender - otherwise sending me documentation would not be an issueThis is in line with all the other complaints against this company Regards, [redacted]

The refund that *** *** is referring to is the money that was reimbursed by ***, as stated earlier her refund is in the mail for the $

Client enrolled in our program committed to make bi-weekly payments of $ 161.42, however, we did allow her to redraft payments (April and May)*** *** intake team would not allow her Junes payments to be pushed againAs per our contract it is explained in detail of draft processes, as well as,
our customer service representative explain that payment changes request my not be honored for various reasonsBelow is an email that was sent directly to the client:06/19/12:*** **- FYI--- emailsSubject: Payday Loan Resolutions program requires From: (Add as *** ***) Date: Mon, Jun 19, 12:pmTo: ***@***.com, "*** ***" Bcc: "***" *** ***,In order to settle your payday loans Payday Loan Resolutions program requires that the client be able to make on time payments according to the agreementWe must have funds coming in at least every days.You enrolled for services and have preset payment dates The draft set for 06/is currently pending in the federal banking systmen and can not be stopped Payday Loan Resolutions accounting department regrets to inform you that the request for payment change can not be approved at this time. Per the Retainer Agreement that was executed, paragraph clearly states that all payment changes require at least business day noticePayment changes with Payday Loan Resolutions are at the sole discretion of the accounting department. The options are:Make the scheduled payment on 06/Cancel Service - Re-enroll at later dateShould you cancel services Payday Loan resolutions will be sending all of your payday lenders notice that our firm has terminated servicesAny attempts for collection or court action by your lenders, will be your sole responsibility.Should you want to discuss this in further detail, please contact Client care center at *** or by email: [email protected] or your Intake Agent.Ed W***Compliance Manager ***Office: ###-###-#### Toll FreeEmail: support@***.netWeb: www.***.netApply On-line: http://www.***.net/intake.html -------- Original Message --------Subject: [FWD: Re: payments- didn't reauthorize yet]From: Date: Mon, June 19, 12:pmTo: "Ed W***" *** *** ***Counselor ***Office: ###-###-#### Toll FreeEmail: ***@***.netWeb: www.***.netApply On-line: http://www.***.net/intake.html -------- Original Message --------Subject: Re: payments- didn't reauthorize yetFrom: l Date: Mon, June 19, 11:amTo: "***@***.net" You said to let you know when it was okay to start making payments againWell I didn't give permission tostart taking payments out again yetI didn't have any money in my account because I'm not back to work yetNow they caused me to have overdraft fees are they going to cover those fees since I never said to start taking it out again. Thanks,*** ***###-###-####***@***.com As per her last email to us clients give our company permission when they sign our contract, unless client cancels from the program in which drafts would stopShe only paid $and we sent her back $She will not be receiving anymore of a refund

Client enrolled in our program, paying $monthly on debt totaling $We had spoken to client on 07/31/to welcome Mr***, to our programAt that time, he stated that his documents were sent to our intake team, however, we had never received themWe spoke to client on several
occasions in regards to payment changes and updates on accountAs clients make deposit into their escrow account, *** has monthly fees and allows us to generate our fees as payments are receivedOn January 22, 2018, my customer service representative contacted him for an update on accountWe tried to advise him, that we never received documentation of POA and CD formsOn February 21st, we finally received the documents and was able to negotiate on his loansWe reached settlements, however, both loans validated higher than enrolledSee Below:02/26/09:My Reply to ** *** Below:At this tine I would like to offer $to settle the below referenced accountPlease advise if this will work for youI can offer this in a lump sum with the payment due immediatelyThe client is eager to get this settled asapThank you in advance for your help on this account. *** *** *** accepted the offer. On March 1, 2018, our third party banking agency, *** *** *** closed out all escrow accountsUnfortunately, we do not guarantee time-frames on settlements, as it takes time to build a consumers accountDo to *** *** *** closing , thus making impossible to further work on any consumers behalfWe did stated to Mr*** that we would make arrangements for settlements on his lendersWe did advise Mr*** that our program is not designed to stop interest and his accounts accrue interest daily, in which, lenders advised he should of been aware of and taken that into accountMr *** did confirm that he was aware that our program did not stop that from happening.See Below correspondence with lenders:03/01/11: Contacted *** *** @ *** ***- Balance $, Settle offer- $remaining principal balance, payments madeI offered 1,(35%)They can not go that low, they would usually settle for 50% but they will take the remaining principal which is No payments since July 21, Fees and interest accrue Daily in the amount of Spoke with Stacey for follow up.03/01/11: My email to ** *** Below:Good Morning ***, I just wanted to follow up on an offer for settlement in regard to the above referenced clientI can offer $in a lump sumPlease advise if this will work for youThe client is eager to get this resolved and he has no future payments coming inPlease advise if this will work for youThank you in advance for your help.03/01/13: ** *** Principal Bal $last payment in July, bal at that time was $786.11, dollars per day interest stated in clients contractLoan is called a Long Term Loan, when loan reaches Collections fees and interest stop and it was sent to collections in nov 2017.0003/01/16: Left message in regards to settlements ** *** agreed to $and *** *** will accept $Told him to call us and let us know what he agrees to so we can setup settlements for him to pay directly.03/01/16:Reply from ** *** Below:Offer accepted, please send settlement letter.Thank you*** *** | Support Specialist Supervisor03/01/16:cid Settlement offers ** *** (Speedy Cash)- Settlement offer for $in lump sum. *** ***- settlement offer of $1,626.00Client did receive a refund of monies that we allotted for settlements, he received $This was not fee money that *** paid back to the clientThis was money Mr***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:Throughout my time with PDLR I have done nothing but honor my agreement as promised with bi-weekly payments of $to the Global Client Solutions accountFrom time to time I have requested explanation & confirmation that actions were being taken on my behalf as promisedWhen I am contacted by my debtors & informed that funds are not being received as I have been told, I have no other recourse but to address the matter with the entity making claims to have acted on my behalfI'm sure that all calls between me & your representatives have been recorded & on none of them will you find that I ever addressed any of them inappropriatelySince you have apparently taken your stance with the matter, I will take this matter to the next step with regard to seeing that this matter is justly resolved
Regards,
*** ***

Client enrolled into our program in July 2017, her first set draft was for Aug 2, in the amount of $She made a total of $Client NSFed her escrow account times from Nov to Dec Her account with *** *** was enrolled for the amount of $The account
unfortunately takes numerous client payments to build up and negotiate on clients behalfList below is correspondence with client directly in regards to here nsf history and moving of payments from the beginning of her enrollment. 07/26/12:*** First Payment Due 2017-08--07/26/14:cid Welcome Call Complete!!stated she sent letters to erma, she confirmed it was received!09/25/14:cid Cid CSR 2:PM (minutes ago)to *** Name: *** *** Account: *** would like to defer 09/to end of program.09/26/13:cid ***@***.com11:AM (hour ago)to me Done Called client to advise 09/was moved to the end of her program.11/28/09:*** Hi, I wanted to advise you that your NSF from 11/22/has been rescheduled for 11/30/for the amount of As per your agreement with PDLR LLC NSF payments are to be redrafted within 4-business days upon being returnedIf the payment Is again returned your account with PDLR LLC will be cancelledPlease contact our office with any questions or concerns.11/29/12:cid incoming call from client: she is in the process of setting up new account and does not want to be redrafted on her old account. I advise client I will sent to management and see if we can move the NSF redraft to the end in the mean time.11/29/13:*** moved 11/to the end of the program.11/29/14:cid Called client to advise her payment was move to the end and that I would follow up with her on Friday regarding the new banking info.11/30/16:*** client called in to advsie that shes getting calls from *** *** @ ###-###-####12/07/13:cid incoming call from client: regarding bank change formclient stated payment pending is going to NSf but that she wants to make it up ASAPadvise client I cant reschedule the payment until it post(12/11) sent client bank change form and provided her with date of 12/so we can redraft the payment thats going to NSF on 12/will advise kay to reschedule pending payment.12/07/13:cid emailed client bank change form12/07/13:cid emailed kay regarding pending payment12/07/14:*** client called in for help filling out the bank change form.01/02/16:*** Hi, This email to advise that your account with PDLR LLC has been closed due to recently payment returned as NSFIf you do Intend to resume working with our company please contact us at ###-###-#### As of January 02, your lenders will be notified that your contract with PDLR LLC has been dissolved and we are no longer responsible for any fee's Incurred or actions that the lenders may choose to take against you.01/03/09:cid S.w client on her accountadvise client her account is closed do to multiple NSf's on her accountshe stated she sent in bank change form to GCSi advised client it needed it be sent to us not ***i advised client I would need to follow up with her to see if she is able to en-enroll in the future and that more then likely her account will not be reactivated.01/09/10:*** email to client: Hi ***, This email is serving as a follow up in regards to your recent complaint to *** claiming to not be able to get in touch with PDLR LLC in regards to closure of your programPlease be advised that your account has been cancelled and will remain cancelledThis information was explained to you on 01/03/at 9:amPlease let me know if you have any further questions or concerns

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:Your inability to keep in business with *** ** is not due to fault of me or any other consumer. You've referred to that several times trying to displace blame to them for you keeping money that you did not provide a service for. You advised that business with *** ** ended at the end of February. After you ended our contract you "attempted to save face" by offering what you are saying is the full amount to the lenders on 3-1-18. And again to reiterate, your issues with *** ** cutting business ties with you does not make it okay for you to take money from me for a contract that you did not fulfill.
Regards,
*** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because: account was canceled with no justification Contract states there is a 35% settlement feeThe company made no settlement so no fee should have been chargedThey stated I asked for cancellationThis is so untrueI asked to remain in program and was told supervisor canceled program.
Regards,
*** ***

Complaint: ***
I am rejecting this response because: PDLR should be shut down immediately for their practicesAfter closing the account that my PDLR payment was drawn from, I grew suspicious of themI did receive a small refund which was not close to what I have contributedOf course I called to question this, any consumer wouldI began to ask questions about the contractI was sent a copy and I still had questionsIt's my right to ask questionsI was called rude before I even started to talkI have never heard of a business being to busy to service their clients and address their needsI did call one of my pay day companies and no payment has been sent to date but PDLR indicated that they would receive a payment by June 30thI then contacted PDLR and she would not give me any information because my account was closedThat is not addressing my needsHow can I blindly continue with a company that is not transparent about their workI did speak with *** *** again today and we went through my activity
I paid approximately $by weekly from February thru May$and $were deducted and paid to PDLR my first check of the month and $and $was paid to PDLR the second half of the monthThe only third party fee that was paid on a monthly basis was a $service fee to *** ***My account was depleted by PDLR's fees with no money being disbursed to the payday companiesA copy of my account activity from *** is availableI went ahead and deposited my refund that I received with the intention of filing a complaint with the Revdex.com and contacted my bank to see what could be done if my complaint was not fulfilledAs of today, June 21, the refund of $was reversed without any notification with the exception of their rebuttal here.this is a poor business practice when that money is in fact owed to meThey just took it and charges me more fees Unbelievable Obviously I cannot no seek more than the full amount that is paid into the program so I'm not sure why the reversal took placeMy suspicion is they were unhappy I filed a claim with the Revdex.comI will make sure that proper authorities, institutions and state commissions are contacted in order to keep potential clients of PDLR from sit down business with them
Regards,
*** ***

You had requested to cancel and we sent you back what was in your account, there is no further discussion or refund