Carmel Financial Corporation has no obligation to subordinateWith that being said, Carmel Financial Corporation did do an exception Subordination on Mr [redacted] previously as customer advised, but was clear with customer that it was an exception that was being doneCarmel Financial had understood at that time that the reason for doing so was to assist the customer with his monthly expensesAt this time Carmel Financial will not approve a 2nd subordination
I have asked carmel financial to remove the negative information they continue to report to my credit files numerous timesThey have stated that the information would be removed in June in writing with the CFPIt is now 8/3/and my credit report is still reporting this account I want my report correctedI have asked numerous timesYou have stated in writing that this would be done, and it has notI have given you ample time to rectify this situationAny further delay will resort in my taking legal action against you for punitive damages resulting in my inability to secure credit lines because of your incorrect credit reporting.Regards, [redacted]
Dear [redacted] - We will work with Ms[redacted] to subordinate our UCC-such that we remain in no less than a second position with respect to this property.Sincerely,Joe [redacted] CFO
Carmel Financial verified the customer’s satisfaction with the product upon purchase and prior to completing the loanThe customer made payments up to 05/23/2006, months after the original financing on 4/30/ We do not repossess financed systems, and have no records to indicate the system was removed from the customer’s home There was no mention of alleged repossession or complaints regarding the system until this complaint, years after installation.Our records indicate the customer either hung up or was disconnected during the call in question The disconnect happened immediately upon our agent informing the customer of the balance due We apologize if there was a technical issue and the call was disconnected Carmel Financial overall conclusion is that the debt is owed unless there is more persuasive evidence to the contraryRegards,Rodney G***Chief Financial Officer
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 Regards, [redacted] ***
Dear [redacted] ***-We have reviewed Mr [redacted] account and the associated credit bureau reporting The account is reporting correctly The account status will be reported for years from the date of first delinquency under the Fair Credit Reporting Act (FCRA) The high credit and credit limit reflect the maximum amount of credit utilized on the account and the highest amount that could have been used when the account was open, respectively Since the account has been paid, the balance is properly reflected as a $balance All of these factors conform to the FCRA.Please contact me with any questions
Unfortunately, we cannot accept electronic signatures due to concerns regarding verification of identityDuring or before this time, the account was paid off by the consumerUpon receipt of the payment in full, we initiated the process to terminate the UCC-filingWe have also been in contact with the customer and are actively working on this matter
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear below It is true that they did not accept the automatic signature as part of their policy, which was fineHowever, at this point they have been provided a "wet" signature and not given the information requestedSimilarly, they sent me a generic word document saying that the account had been satisfied but the document is not professional in any sense of the termIt does not have any identifying information such as account number, item paid off, etcThe document is also a word document, that is still editable, without any letter head or anything to show that it is an "official" documentI reached out to this company in regards to the lack of information and requested that they send the same letter and simply add an account numberI did not hear anything back from the individual I responded to but got a call from a representative saying it could take hours in order to add my account number to the letter as the manager had to "research what changes they could make to the letter." Who sends out an account pay off document without any information to identify the account? Why does it take hours to add an account number to a document that is easily editable? Why have they not replied to my refinance company and given them the information requested? No, they are not actively working on this issue as they are the beginning and end of the issue thereby are able to resolve it when they decide to do soThe final payment has cleared and there is no reason not to provide myself with what I am requesting nor my refinance company the information they have requestedI have attached their letter to the attachments as an example of the professionalism, or lack thereof, displayed by this company Regards, [redacted]
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 Regards, [redacted]
We are an independent finance company that purchased the loan from The Military Travel Store Mr [redacted] purchased a ticket from The Military Travel Store and subsequently cancelled that purchase For the value paid, Mr [redacted] was promised (by The Military Travel Store) a replacement ticket within months Prior to a replacement ticket being issued, The Military Travel Store went out of business Carmel Financial was recently made aware that Mr***’s replacement ticket was not issued and will not be issued We have cancelled his account with us and cleared all amounts due to Carmel Financial Corporation
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear below.This has been closed and charged off, yet balance owed keeps increasing Regards, [redacted] ***
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear belowRegards, [redacted]
Revdex.com:My credit report shows different balances for the same time frameThe "text" balances and the balances in the chart do not matchIt does show a balance as the current amount, however, that is not the basis of my complaint
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
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, as long as this request is completed within days
Regards,
*** ***
Carmel Financial will send the customer a copy of contract and payment history for the customer to review andcorrespond with all payment records held on their behalfShould Carmel Financial not have given credit for a payment processed, then Carmel Financial’srecords and in turn the credit
reporting agencies will be updatedCarmelFinancial does not dispute having contact with customer in 4/29/14, and at thattime Carmel Financial Corporation sent a copy of contract and pay history tothe customer on 4/29/
Carmel Financial Corporation will not attempt any form of contact via phone or in mailCarmel Financial must uphold any reporting requirements under the Fair Credit Reporting Act, or with the Internal Revenue Service involving a
Carmel
Financial verified the customer’s satisfaction with the product upon purchase
and prior to completing the loanThe customer made payments up to 05/23/2006,
months after the original financing on 4/30/ We do not repossess financed systems, and have
no records to indicate the
system was removed from the customer’s home. There was no mention of alleged repossession
or complaints regarding the system until this complaint, years after
installation.Our
records indicate the customer either hung up or was disconnected during the
call in question. The disconnect
happened immediately upon our agent informing the customer of the balance
due. We apologize if there was a
technical issue and the call was disconnected. Carmel Financial overall conclusion is that the debt is owed unless
there is more persuasive evidence to the contrary. Regards,Rodney
G***Chief
Financial Officer
Carmel Financial Corporation has no obligation to subordinateWith that being said, Carmel Financial Corporation did do an exception Subordination on Mr [redacted] previously as customer advised, but was clear with customer that it was an exception that was being doneCarmel Financial had understood at that time that the reason for doing so was to assist the customer with his monthly expensesAt this time Carmel Financial will not approve a 2nd subordination
I have asked carmel financial to remove the negative information they continue to report to my credit files numerous timesThey have stated that the information would be removed in June in writing with the CFPIt is now 8/3/and my credit report is still reporting this account I want my report correctedI have asked numerous timesYou have stated in writing that this would be done, and it has notI have given you ample time to rectify this situationAny further delay will resort in my taking legal action against you for punitive damages resulting in my inability to secure credit lines because of your incorrect credit reporting.Regards, [redacted]
Dear [redacted] - We will work with Ms[redacted] to subordinate our UCC-such that we remain in no less than a second position with respect to this property.Sincerely,Joe [redacted] CFO
Please see attached letterThank you Sunrise
Carmel Financial verified the customer’s satisfaction with the product upon purchase and prior to completing the loanThe customer made payments up to 05/23/2006, months after the original financing on 4/30/ We do not repossess financed systems, and have no records to indicate the system was removed from the customer’s home There was no mention of alleged repossession or complaints regarding the system until this complaint, years after installation.Our records indicate the customer either hung up or was disconnected during the call in question The disconnect happened immediately upon our agent informing the customer of the balance due We apologize if there was a technical issue and the call was disconnected Carmel Financial overall conclusion is that the debt is owed unless there is more persuasive evidence to the contraryRegards,Rodney G***Chief Financial Officer
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 Regards, [redacted] ***
Dear [redacted] ***-We have reviewed Mr [redacted] account and the associated credit bureau reporting The account is reporting correctly The account status will be reported for years from the date of first delinquency under the Fair Credit Reporting Act (FCRA) The high credit and credit limit reflect the maximum amount of credit utilized on the account and the highest amount that could have been used when the account was open, respectively Since the account has been paid, the balance is properly reflected as a $balance All of these factors conform to the FCRA.Please contact me with any questions
Unfortunately, we cannot accept electronic signatures due to concerns regarding verification of identityDuring or before this time, the account was paid off by the consumerUpon receipt of the payment in full, we initiated the process to terminate the UCC-filingWe have also been in contact with the customer and are actively working on this matter
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear below It is true that they did not accept the automatic signature as part of their policy, which was fineHowever, at this point they have been provided a "wet" signature and not given the information requestedSimilarly, they sent me a generic word document saying that the account had been satisfied but the document is not professional in any sense of the termIt does not have any identifying information such as account number, item paid off, etcThe document is also a word document, that is still editable, without any letter head or anything to show that it is an "official" documentI reached out to this company in regards to the lack of information and requested that they send the same letter and simply add an account numberI did not hear anything back from the individual I responded to but got a call from a representative saying it could take hours in order to add my account number to the letter as the manager had to "research what changes they could make to the letter." Who sends out an account pay off document without any information to identify the account? Why does it take hours to add an account number to a document that is easily editable? Why have they not replied to my refinance company and given them the information requested? No, they are not actively working on this issue as they are the beginning and end of the issue thereby are able to resolve it when they decide to do soThe final payment has cleared and there is no reason not to provide myself with what I am requesting nor my refinance company the information they have requestedI have attached their letter to the attachments as an example of the professionalism, or lack thereof, displayed by this company Regards, [redacted]
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 Regards, [redacted]
We are an independent finance company that purchased the loan from The Military Travel Store Mr [redacted] purchased a ticket from The Military Travel Store and subsequently cancelled that purchase For the value paid, Mr [redacted] was promised (by The Military Travel Store) a replacement ticket within months Prior to a replacement ticket being issued, The Military Travel Store went out of business Carmel Financial was recently made aware that Mr***’s replacement ticket was not issued and will not be issued We have cancelled his account with us and cleared all amounts due to Carmel Financial Corporation
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear below.This has been closed and charged off, yet balance owed keeps increasing Regards, [redacted] ***
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear belowRegards, [redacted]
Revdex.com:My credit report shows different balances for the same time frameThe "text" balances and the balances in the chart do not matchIt does show a balance as the current amount, however, that is not the basis of my complaint
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
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, as long as this request is completed within days
Regards,
*** ***
Carmel Financial will send the customer a copy of contract and payment history for the customer to review andcorrespond with all payment records held on their behalfShould Carmel Financial not have given credit for a payment processed, then Carmel Financial’srecords and in turn the credit
reporting agencies will be updatedCarmelFinancial does not dispute having contact with customer in 4/29/14, and at thattime Carmel Financial Corporation sent a copy of contract and pay history tothe customer on 4/29/
Carmel Financial Corporation will not attempt any form of contact via phone or in mailCarmel Financial must uphold any reporting requirements under the Fair Credit Reporting Act, or with the Internal Revenue Service involving a
Carmel
Financial verified the customer’s satisfaction with the product upon purchase
and prior to completing the loanThe customer made payments up to 05/23/2006,
months after the original financing on 4/30/ We do not repossess financed systems, and have
no records to indicate the
system was removed from the customer’s home. There was no mention of alleged repossession
or complaints regarding the system until this complaint, years after
installation.Our
records indicate the customer either hung up or was disconnected during the
call in question. The disconnect
happened immediately upon our agent informing the customer of the balance
due. We apologize if there was a
technical issue and the call was disconnected. Carmel Financial overall conclusion is that the debt is owed unless
there is more persuasive evidence to the contrary. Regards,Rodney
G***Chief
Financial Officer
Carmel Financial will agree to remove the above customers Carmel Financial Corporation trade line
Please see attached letter