Quest Energy Llc

Cash Flow Solutions receives Jim Owen Studio return items onlyWe do not initiate the initial deposit of an item and we do not accept the payment for services from the schoolCash Flow strictly handles the studios return items after they have been deposited and then the customers bank has returned the checkCash Flow received the return check in question on 10/18/16, it then was resubmitted along with the state allowable fee of $30, the customer should see these debiting the account on 10/19/The customers bank returned the check and fee amount for Non Sufficient FundsWe resubmitted the check and fee amount for the final attempt to debit the customers account on 11/1/16, the customers bank returned these transactions due to the account closedThe customer did contact us the afternoon of 11/1/and as explained on the phone call the debits had already taken place but no further transactions from Cash Flow Solutions were submitted after the customer had contacted usCash Flow Solutions is located in Ohio, we do not have an office out of Alabama, the studio is located in AlabamaSince the conversation with Cash Flow Solutions on 11/we have not attempted any debits nor will we, we have considered this return check as a closed item and no further recovery efforts will be made by Cash Flow SolutionsCash Flow only handles the items once they've already been returned, the customer may want to contact the studio directly to speak with them in regards to how items are accepted from the school(s).Regards, Cash Flow Solutions

*** *** *** was contracted by Escambia High School for their servicesCash Flow Solutions Collects on all of the *** *** *** return checksWhen a check is returned for Non-Sufficient Funds Cash Flow Solutions will attempt to electronically resubmit the check amount as well as the state
allowable return check fee, which is currently $The check in question was returned on 10/13/by the customers bank for Non-Sufficient Funds and Cash Flow Solutions received the item in our system on 10/18/We attempted to electronically submit the check and the state allowable return check fee on 10/19/6, both of which Were returned for NonSufficient FundsWe attempted for the second, and final time, on 11/1/16, both of which were returned for Account ClosedMs*** contacted us on 11/1/as well but the transactions had already taken place and were posted to her account prior to Cash Flow Solutions being contactedAs promised, no transactions have or will take place to the customer's account since thenAs of today, no funds have been collected by Cash Flow Solutions so there are no funds to be returned to the CustomerCash Flow Solutions cannot be held liable for a customer's bank return fees, Cash Flow Solutions offered to waive the state allowable return fee as a courtesy to the Customer and accept payment on only the check amount of $At that time the customer did not wish to make a payment with Cash Flow Solutions

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I did not write my check to *** *** studio therefore this company was in my account illegally and participated in causing negative fees to my accountMy check was written to Escambia High School*** *** is contracted to take pictures for the schoolIf they received a check INCORRECTLY written by a parent, they are responsible for returning it to the schoolThis is the proper procedure and the school administrators are in agreement that all checks incorrectly written out to the school are to be returned to their bookkeeper so the parent can be notified to send in a check made out directly to the companyThat did not happenMy bank saw this as fraudulent activity by this company and shut my accounts down because this company threatened to go in my acount again anyway even after I explained the matter and debited my closed account again that same day at midnight The manager of this company location in Alabama said she did not care and still attempted the payment after she was informedSimply saying my account won't be debited again does not replace the fees placed on my account or the delays incurred in having to get new accounts and redirect all my normally scheduled business and payments to my new account because the manager at the location for this company was irresponsible.Regards,*** ***
Regards,
*** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.As I understand it, the issuing institution of an NSF fee is solely a bank. My bank can and has charged me for the NSF fee. A merchant can only charge a reflection of their financial institution's NSF fee to cover the cost.The merchant in this case is located in Ohio along with their account, where my check was electronically debited.  Therefore, their institution in Ohio can only legally charge them a NSF fee of $30, which would reflect a NSF fee to me for only $30, and not $50.  Their practice of automatically debiting NSF fees based on the payers financial institution's location, in my opinion, is a misinterpretation of the law.The verbiage attached the fee states the fee will be charged by the maximum allowed by state.  The location of this transaction originated in a financial institution in Ohio.Regards,[redacted]

Cash Flow Solutions receives Jim Owen Studio return items only. We do not initiate the initial deposit of an item and we do not accept the payment for services from the school. Cash Flow strictly handles the studios return items after they have been deposited and then the customers bank has returned the check. Cash Flow received the return check in question on 10/18/16, it then was resubmitted along with the state allowable fee of $30, the customer should see these debiting the account on 10/19/16. The customers bank returned the check and fee amount for Non Sufficient Funds. We resubmitted the check and fee amount for the final attempt to debit the customers account on 11/1/16, the customers bank returned these transactions due to the account closed. The customer did contact us the afternoon of 11/1/16 and as explained on the phone call the debits had already taken place but no further transactions from Cash Flow Solutions were submitted after the customer had contacted us. Cash Flow Solutions is located in Ohio, we do not have an office out of Alabama, the studio is located in Alabama. Since the conversation with Cash Flow Solutions on 11/1 we have not attempted any debits nor will we, we have considered this return check as a closed item and no further recovery efforts will be made by Cash Flow Solutions. Cash Flow only handles the items once they've already been returned, the customer may want to contact the studio directly to speak with them in regards to how items are accepted from the school(s).Regards, Cash Flow Solutions

We collect on return items for [redacted] and when an item is received for NSF we will attempt to resubmit the check and the state allowable return check fee back to the account. As [redacted] mentioned we did submit those transactions to his account on 11/15. When we submit the fee we...

do not create a new check, the fees are submitted as a Draft item. That is so we can enter our company name, the Pay to the Order of Company, the return check #, dollar amount and our phone number. The Drafts check # is the return check # with a 9 in front of it so that when the customer is viewing their statement they can link our return fee to the correct return check, it is not a new check being created. This is particularly helpful for customers who have multiple returns.The fee amount that we charge is determined by the state, it's not an amount that our company assigns. Pennsylvania is one of the few states that have a $50 return check fee and our customer service reps are sensitive to that higher dollar amount so when a customer calls with a concern in regards to the fee we do try assist if possible. [redacted] contacted our office on 11/20 and we did offer a partial refund of $20 of that fee to help reduce his cost but he declined. [redacted] does have our verbiage available that states what will happen in the event of a return check and I've attached that documentation from the studio. I've also attached a Word document containing the link directly to PA State website that in paragraph 'e' discusses the cost/fees and included in the same document is the verbiage copied from the website as well.