8/1/ Revdex.com of Chicago & Northern Illinois, Inc [redacted] RE: ID# [redacted] Dear Sir or Madam: We are in receipt of your 7/22/letter regarding the complaint of [redacted] Thank you for the opportunity to respondMs [redacted] was approved for a loan on 7/20/Ms [redacted] requested same day funding via wire transferThe wire transfer returned to us on 7/20/due to an invalid account numberOur system software is set up such that once the account has been moved into Funded status, our only option is to re-enable ACH transactionsWe explained to Ms [redacted] that the funds would not be able to be sent again via an accelerated methodMs [redacted] was offered an opportunity to obtain the funds via ACH, however the funds would have been delayed by one day due to standard processing times for ACH transactionsMs [redacted] was not willing to accept the offer so the loan was cancelledWe sincerely apologize for any inconvenience this may have caused Ms [redacted] Regards, Rushmore Financial
Initial Business Response / [redacted] (1000, 5, 2015/07/29) */ 7/29/ Revdex.com RE: Complaint ID# [redacted] , Amanda [redacted] To Whom It May Concern: We are in receipt of your email regarding the complaint of Amanda ***Thank you for the opportunity to respondWe value Ms ***'s business and regret to hear that she is dissatisfied with our servicesShort term credit is not an inexpensive way to borrow funds and is not suitable for long-term borrowing needs This is Ms***'s second loan with our companyMs [redacted] was verbally informed about how our finance fees are assessed when she took out her loansAdditionally, the payment details were explicitly laid out in the contracts that she signedAs stated in her contracts, finance fees will be automatically withdrawn on each due date until the remaining principal balance is paid in fullThese minimum payments are authorized by Ms***Ms [redacted] did not schedule payment arrangements for her 7/6/or 7/20/due datesWe are willing to settle Ms***'s account for the remaining principal balance and waive the finance fee on her upcoming due dateThis arrangement would need to be scheduled at least three business days prior to her next due date which is scheduled for 8/5/ We would be happy to issue Ms [redacted] a refund for fees she may have incurred once it is confirmed that we in fact made an error and processed her 7/6/payment earlyOur system shows the transaction posted on 7/6/ Ms [redacted] can reach a customer service representative at 1-855-836-in order to schedule payment arrangements and/or complete a conference call with her bank to confirm the 7/3/payment issue Regards, Rushmore Financial Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) I understand that short term loans are an expensive option, however, this particular loan cost me way more than intended because of the overdraft charge for the payment taken early (which I intend to prove with the way call suggested) and because the company refused to let me pay toward my principal balance days prior to the due date even though I explained that I tried to call several times, waiting for minutes or more, being sent to voicemail, and when I left a voicemail there was no returned phone call and this was left business days prior to due dateI suppose you could say my complaint is more about customer service, tactics, and acknowledgement of my attempts as a customer to pay my principal balanceSince beginning this complaint I have cleaned up my finances by refinancing my vehicle to pay off credit cards and Rushmore financialA check was sent on 7/22/to pay the finance charge and principal balance in fullI have checked my account online and it has not yet posted, my banker told me it should be received and posted within business daysI should not have any more charges to my debit/bank accountIf I do I will take steps to stop paymentI called and left a voicemail with this information on7/31/and sent an email to customer service of Rushmore on 8/2/ Final Business Response / [redacted] (4000, 9, 2015/08/05) */ 8/5/ Revdex.com RE: Complaint ID# [redacted] , Amanda [redacted] To Whom It May Concern: Since Ms***'s response, we have conducted a conference call with Ms [redacted] and her bank and were able to confirm the NSF fee she was assessed due to our system errorWe compensated Ms [redacted] for this fee by reducing the amount she paid from her remaining finance feeOn 8/3/2015, Ms [redacted] informed us that she would rather pay off her balance on 8/5/instead of sending a check through the mailMs***'s final payment is scheduled to post to her account today and her loan will be paid in full once the payment has cleared Again, we sincerely apologize for the inconvenience Ms [redacted] has experienced and we regret that she is dissatisfied with our service Sincerely, Rushmore Financial cc: Amanda ***
8/1/ Revdex.com of Chicago & Northern Illinois, Inc [redacted] RE: ID# [redacted] Dear Sir or Madam: We are in receipt of your 7/22/letter regarding the complaint of [redacted] Thank you for the opportunity to respondMs [redacted] was approved for a loan on 7/20/Ms [redacted] requested same day funding via wire transferThe wire transfer returned to us on 7/20/due to an invalid account numberOur system software is set up such that once the account has been moved into Funded status, our only option is to re-enable ACH transactionsWe explained to Ms [redacted] that the funds would not be able to be sent again via an accelerated methodMs [redacted] was offered an opportunity to obtain the funds via ACH, however the funds would have been delayed by one day due to standard processing times for ACH transactionsMs [redacted] was not willing to accept the offer so the loan was cancelledWe sincerely apologize for any inconvenience this may have caused Ms [redacted] Regards, Rushmore Financial
Initial Business Response / [redacted] (1000, 5, 2015/07/29) */ 7/29/ Revdex.com RE: Complaint ID# [redacted] , Amanda [redacted] To Whom It May Concern: We are in receipt of your email regarding the complaint of Amanda ***Thank you for the opportunity to respondWe value Ms ***'s business and regret to hear that she is dissatisfied with our servicesShort term credit is not an inexpensive way to borrow funds and is not suitable for long-term borrowing needs This is Ms***'s second loan with our companyMs [redacted] was verbally informed about how our finance fees are assessed when she took out her loansAdditionally, the payment details were explicitly laid out in the contracts that she signedAs stated in her contracts, finance fees will be automatically withdrawn on each due date until the remaining principal balance is paid in fullThese minimum payments are authorized by Ms***Ms [redacted] did not schedule payment arrangements for her 7/6/or 7/20/due datesWe are willing to settle Ms***'s account for the remaining principal balance and waive the finance fee on her upcoming due dateThis arrangement would need to be scheduled at least three business days prior to her next due date which is scheduled for 8/5/ We would be happy to issue Ms [redacted] a refund for fees she may have incurred once it is confirmed that we in fact made an error and processed her 7/6/payment earlyOur system shows the transaction posted on 7/6/ Ms [redacted] can reach a customer service representative at 1-855-836-in order to schedule payment arrangements and/or complete a conference call with her bank to confirm the 7/3/payment issue Regards, Rushmore Financial Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) I understand that short term loans are an expensive option, however, this particular loan cost me way more than intended because of the overdraft charge for the payment taken early (which I intend to prove with the way call suggested) and because the company refused to let me pay toward my principal balance days prior to the due date even though I explained that I tried to call several times, waiting for minutes or more, being sent to voicemail, and when I left a voicemail there was no returned phone call and this was left business days prior to due dateI suppose you could say my complaint is more about customer service, tactics, and acknowledgement of my attempts as a customer to pay my principal balanceSince beginning this complaint I have cleaned up my finances by refinancing my vehicle to pay off credit cards and Rushmore financialA check was sent on 7/22/to pay the finance charge and principal balance in fullI have checked my account online and it has not yet posted, my banker told me it should be received and posted within business daysI should not have any more charges to my debit/bank accountIf I do I will take steps to stop paymentI called and left a voicemail with this information on7/31/and sent an email to customer service of Rushmore on 8/2/ Final Business Response / [redacted] (4000, 9, 2015/08/05) */ 8/5/ Revdex.com RE: Complaint ID# [redacted] , Amanda [redacted] To Whom It May Concern: Since Ms***'s response, we have conducted a conference call with Ms [redacted] and her bank and were able to confirm the NSF fee she was assessed due to our system errorWe compensated Ms [redacted] for this fee by reducing the amount she paid from her remaining finance feeOn 8/3/2015, Ms [redacted] informed us that she would rather pay off her balance on 8/5/instead of sending a check through the mailMs***'s final payment is scheduled to post to her account today and her loan will be paid in full once the payment has cleared Again, we sincerely apologize for the inconvenience Ms [redacted] has experienced and we regret that she is dissatisfied with our service Sincerely, Rushmore Financial cc: Amanda ***