Rushmore Financial Corp MB5760320

4/5/ Revdex.com Chicago & NIllinois [redacted] Chicago, IL Re: [redacted] Case Number [redacted] Dear Sir or Madam: We are in receipt of your 3/30/ letter regarding the complaint of [redacted] Thank you for the opportunity to respondRushmore Financial regrets the inconvenience that Ms [redacted] experiencedThe agent that was assisting Ms [redacted] should have informed Ms [redacted] during the approval process that our company does not issue credit to the bank that Ms [redacted] usesWe have had difficulties in the past with processing transactions to and from the bank that Ms [redacted] usesThere are different banks on our restricted banks listWe do not have the ability to filter applications based on the bank account that is supplied on the application, therefore every agent must refer to the restricted banks list they have been givenThere was an oversight made by the agent that was working Ms [redacted] ’s accountUnfortunately, we did not discover this error until after the agent had approved Ms [redacted] for the loanAgain, we sincerely apologize for the inconvenience Ms [redacted] experienced Sincerely, Rushmore Financial

Complaint: [redacted] I am rejecting this response because: Overspeaking someone more than once is rude, which the first representative didGiving off a "matter of fact" type attitude is rudeRattling off information while someone is speaking after interjecting is rudeI actually had to ask the first representative to please not overspeak meI am not going to make any arrangements until I spoke with my spouse was what I was advising him, but he kept on pushing for me to make one at that instanceAgain, I never disputed the bill, I only asked to not be contacted at my job because I did not give authorization to be called there and also asked to not be contacted more than once for the dayI have also NEVER hung up on themThe times that they call, I am at work and do not have my cellphone near me, so it rings and goes to voicemailSo unless they can prove that I PHYSICALLY hung up, that completely disproves their claim that I deliberately disconnected their callsDon't speak about what you have no proof ofIt's very obvious that the person whom supposedly "listened" to the calls is not about customer serviceCollector or not, it is still my payments that allow them to keep their jobs, and collector or not, you ought to speak with and treat others respectfullyIf they were in the same position, and I'm sure many of their staff members are of have been, they would feel the same waySo reciprocate itI will be contacting the companies directly to speak with their own management and discuss payment, not the collectorI owe the collector nothing, my bill is with the loan company, since this is how they choose to handle the situation Sincerely, [redacted]

6/3/Revdex.com Chicago & NIllinois RE: Complaint# *** Dear Sir or Madam: We are in receipt of your 6/1/letter containing the complaint of *** *** Thank you for the opportunity to respond
We have listened to the calls that Ms*** referenced in her complaint and dispute the statement that she was spoken to in a rude manorThe first agent did interject once at the very beginning of the call and that was only to confirm for security purposes that they were speaking to correct personOur agents were speaking to Ms*** in a frank manor because Ms*** has abruptly ended previous collection callsMsS*** account has been in arrears for the past six monthsWe would like to set up a payment plan with Ms*** so that collection calls will no longer be necessaryWe have also flagged MsS*** account to not receive any phone calls to her work numberWe urge Ms*** to contact our Collections department as soon as possible in order to schedule payment arrangementsThe phone number to reach Collections is *** Regards, Rushmore Financial

6/21/2016Revdex.com Chicago & NIllinois RE: Complaint# ***Dear Sir or Madam:We are in receipt of your 6/21/2016letter containing the complaint of *** *** Thank you for the opportunity to respond.Rushmore Financial values Ms*** business and regrets that she is dissatisfied with our services We would like to sincerely apologize to Ms*** for feeling that she was spoken to in a rude manor That is absolutely not the intent of our collections agents We would like the opportunity to work with Ms*** to bring her account current The potential for over-speaking can be completely eliminated if Ms*** chooses to schedule payment arrangements via email Ms*** can contact our collections department via email at [email protected] in order to schedule payment arrangements.Regards,Rushmore Financial

Initial Business Response /* (1000, 5, 2015/07/29) */
7/29/2015
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 [redacted]. Thank you for the opportunity to respond. We value Ms....

[redacted]'s business and regret to hear that she is dissatisfied with our services. Short term credit is not an inexpensive way to borrow funds and is not suitable for long-term borrowing needs.
This is Ms. [redacted]'s second loan with our company. Ms. [redacted] was verbally informed about how our finance fees are assessed when she took out her loans. Additionally, the payment details were explicitly laid out in the contracts that she signed. As stated in her contracts, finance fees will be automatically withdrawn on each due date until the remaining principal balance is paid in full. These minimum payments are authorized by Ms. [redacted]. Ms. [redacted] did not schedule payment arrangements for her 7/6/2015 or 7/20/2015 due dates. We are willing to settle Ms. [redacted]'s account for the remaining principal balance and waive the finance fee on her upcoming due date. This arrangement would need to be scheduled at least three business days prior to her next due date which is scheduled for 8/5/2015.
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 7/6/2015 payment early. Our system shows the transaction posted on 7/6/2015.
Ms. [redacted] can reach a customer service representative at 1-855-836-3650 in order to schedule payment arrangements and/or complete a conference call with her bank to confirm the 7/3/2015 payment issue.
Regards,
Rushmore Financial
Initial Consumer Rebuttal /* (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 3 way call suggested) and because the company refused to let me pay toward my principal balance 2 days prior to the due date even though I explained that I tried to call several times, waiting for 10 minutes or more, being sent to voicemail, and when I left a voicemail there was no returned phone call and this was left 4 business days prior to due date. I suppose you could say my complaint is more about customer service, tactics, and acknowledgement of my attempts as a customer to pay my principal balance. Since beginning this complaint I have cleaned up my finances by refinancing my vehicle to pay off credit cards and Rushmore financial. A check was sent on 7/22/15 to pay the finance charge and principal balance in full. I have checked my account online and it has not yet posted, my banker told me it should be received and posted within 10 business days. I should not have any more charges to my debit/bank account. If I do I will take steps to stop payment. I called and left a voicemail with this information on7/31/15 and sent an email to customer service of Rushmore on 8/2/15.
Final Business Response /* (4000, 9, 2015/08/05) */
8/5/2015
Revdex.com
RE: Complaint ID# [redacted], Amanda [redacted]
To Whom It May Concern:
Since Ms. [redacted]'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 error. We compensated Ms. [redacted] for this fee by reducing the amount she paid from her remaining finance fee. On 8/3/2015, Ms. [redacted] informed us that she would rather pay off her balance on 8/5/15 instead of sending a check through the mail. Ms. [redacted]'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 [redacted]

Complaint: [redacted]
I am rejecting this response because:I was NEVER advised they would waive the first month fee.  If they did I would have accepted.Again, they lied........ 
Sincerely,
[redacted]

1/4/2016   Revdex.com of Chicago and Northern Illinois [redacted] [redacted]                   Re: [redacted], Case Number [redacted]   Dear Sir or Madam: We are in receipt of your 12/30/2016...

letter regarding the complaint of [redacted]. Thank you for the opportunity to respond. Rushmore Financial values Mr. [redacted] business and regrets that he is dissatisfied with our services.  The terms and conditions of the loan were explained to Mr. [redacted] in detail by one of our agents prior to his acceptance of the loan. Mr. [redacted] was advised that any and all changes must be made 72 hours in advance once payment arrangements have been secured.   Regards, Rushmore Financial

8/1/2016   Revdex.com of Chicago & Northern Illinois, Inc. [redacted]
[redacted]                   RE:  ID# [redacted]  Dear Sir or Madam:  We are in...

receipt of your 7/22/2016 letter regarding the complaint of [redacted]. Thank you for the opportunity to respond. Ms. [redacted] was approved for a loan on 7/20/2016. Ms. [redacted] requested same day funding via wire transfer. The wire transfer returned to us on 7/20/2016 due to an invalid account number. Our system software is set up such that once the account has been moved into Funded status, our only option is to re-enable ACH transactions. We explained to Ms. [redacted] that the funds would not be able to be sent again via an accelerated method. Ms. [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 transactions. Ms. [redacted] was not willing to accept the offer so the loan was cancelled. We sincerely apologize for any inconvenience this may have caused Ms. [redacted].   Regards,   Rushmore Financial

Complaint: [redacted]
I am rejecting this response because: Overspeaking someone more than once is rude, which the first representative did. Giving off a "matter of fact" type attitude is rude. Rattling off information while someone is speaking after interjecting is rude. I actually had to ask the first representative to please not overspeak me. I am not going to make any arrangements until I spoke with my spouse was what I was advising him, but he kept on pushing for me to make one at that instance. Again, I never disputed the bill, I only asked to not be contacted at my job because I did not give authorization to be called there and also asked to not be contacted more than once for the day. I have also NEVER hung up on them. The times that they call, I am at work and do not have my cellphone near me, so it rings and goes to voicemail. So unless they can prove that I PHYSICALLY hung up, that completely disproves their claim that I deliberately disconnected their calls. Don't speak about what you have no proof of. It's very obvious that the person whom supposedly "listened" to the calls is not about customer service. Collector or not, it is still my payments that allow them to keep their jobs, and collector or not, you ought to speak with and treat others respectfully. If they were in the same position, and I'm sure many of their staff members are of have been, they would feel the same way. So reciprocate it. I will be contacting the companies directly to speak with their own management and discuss payment, not the collector. I owe the collector nothing, my bill is with the loan company, since this is how they choose to handle the situation.
Sincerely,
[redacted]

8/12/2016Revdex.com of Chicago & Norther Illinois, Inc.[redacted]   RE: ID# [redacted] Dear Sir or MAdam: We are in receipt of your 8/10/2016 letter regarding the complaint of [redacted]. Thank you for the opportunity to respond.Ms. [redacted] is correct, Rushmore Financial did not offer to waive her first fee. Rushmore Financial offered to reduce the amount of Ms. [redacted]'s first fee, or extend the length of time until her first fee. It is apparent at this time that Ms. [redacted] is not, and will not be satisifed with our services. Rushmore Financial has rescinded this offer and has elected not to do business with Ms. [redacted]. Rushmore Financial hopes that Ms. [redacted] is able to find the services she is looking for elsewhere.  Regards,Rushmore Financial

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

4/5/2017   Revdex.com Chicago & N. Illinois [redacted] Chicago, IL 60611                   Re: [redacted] Case Number [redacted]  Dear Sir or Madam:   We are in receipt of your 3/30/2017...

letter regarding the complaint of [redacted]. Thank you for the opportunity to respond. Rushmore Financial regrets the inconvenience that Ms. [redacted] experienced. The agent that was assisting Ms. [redacted] should have informed Ms. [redacted] during the approval process that our company does not issue credit to the bank that Ms. [redacted] uses. We have had difficulties in the past with processing transactions to and from the bank that Ms. [redacted] uses. There are 29 different banks on our restricted banks list. We do not have the ability to filter applications based on the bank account that is supplied on the application, therefore every agent must refer to the restricted banks list they have been given. There was an oversight made by the agent that was working Ms. [redacted]’s account. Unfortunately, we did not discover this error until after the agent had approved Ms. [redacted] for the loan. Again, we sincerely apologize for the inconvenience Ms. [redacted] experienced.   Sincerely, Rushmore Financial