Final Consumer Response / [redacted] (2000, 6, 2015/09/09) */ [redacted] issue has been resolved as they have offered to erase all of [redacted] fees on this loan and I accepted Thank you, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2016/03/01) */ Silver Cloud Financial, Inc [redacted] East Hwy [redacted] CA XXXXX (XXX) XXX-XXXX February 29, Revdex.com Broadway, Suite Oakland, CA XXXXX RE: [redacted] # XXXXXXXX Dear Revdex.com: Silver Cloud Financial, Inc("SCF") is in receipt of your communication dated February 18, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, [redacted] following determination was made [redacted] applied for an $loan with SCF, which was funded on December 15, [redacted] terms of [redacted] loan, [redacted] payment schedule, finance charges and [redacted] annual APR were disclosed to [redacted] in [redacted] loan contract, and [redacted] contract was signed and [redacted] terms agreed to before SCF issued [redacted] fundsAll SCF loans follow a standard 20-payment scheduleHowever [redacted] did not have to follow [redacted] 20-payment schedule; all SCF customers may pay additional principal or pay their loan off in full at any time without penaltyTherefore, SCF disagrees with [redacted] 's complaint However, SCF is committed to excellent customer service and has marked [redacted] account paid in full and will not collect any further payment on this accountNo additional monies are due SCF is pleased to be able to assist [redacted] consumer in this manner, although it is under no legal obligation to do soSCF is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] SCF loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by [redacted] tribal law of [redacted] Habematolel Pomo [redacted] In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/03/03) */ ( [redacted] consumer indicated he/she ACCEPTED [redacted] response from [redacted] business.) I accept them closing account however I still believe I was sent things to sign but they didn't have all [redacted] totals and time it take to complete loanAnd if what they do is legal I hope these laws are change soon cause it [redacted] people who need who are hurt and can lose a lot
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 meSincerely, [redacted]
Silver Cloud Financial, Inc [redacted] Revdex.com [redacted] RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc("SCF") is in receipt of your communication dated [redacted] in reference to the complainant identified above After reviewing the notes on the account, the customer's payment history, and the complaint itself, the following determination was made SCF is sorry to learn that [redacted] is experiencing financial hardshipSCF has acted in accordance with the Loan Agreement and therefore will not issue a refundHowever, because SCF is committed to excellent customer service, it has decided to waive the remaining balanceNothing further is due and owingSCF considers the account closed SCF is pleased to be able to assist the consumer in this mannerSCF is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe SCF loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department Silver Cloud Financial, Inc [redacted] [email protected] us why here
Silver Cloud Financial, Inc East Hwy 20, C Upper Lake CA (855) 254- July 7, [redacted] Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc(SCF) is in receipt of your communication dated June 27, [redacted] in reference to the complainant identified aboveBased on SCF's careful review of the notes on the account and the complaint itself, SCF does not agree with [redacted] complaint [redacted] applied for her seventh loan with SCF in the amount of a $ [redacted] which was funded on April 26, ***The terms of the loan, the payment schedule, finance charges and the annual APR were disclosed to [redacted] in her loan contract, and she signed the contract and agreed to the terms of the loan before SCF issued the funds to her In response to [redacted] claim that SCF is illegal in her state, SCF is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe SCF loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake However, based on [redacted] payment history and SCF's commitment to excellent customer service, SCF agrees to accept her final payment and waive the remainder of her balanceAs of today, SCF has not yet received her final paymentBut once SCF receives it, nothing further will be due and owing and SCF will consider her account closedSCF has notified [redacted] of its decision directly via email In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance DepartmentTell us why here
Silver Cloud Financial, Inc East Hwy C Upper Lake CA (855) 254- June 10, [redacted] Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc("SCF") is in receipt of your communication dated June 3, [redacted] in reference to the complainant identified above After reviewing the notes on the account and the complaint itself, the following determination was made: SCF's loan application and approval process occurs online [redacted] submitted her application electronically on May 9, ***As part of the application process, consumers are directed to a webpage where they may electronically sign their loan agreementOur records indicate that the loan agreement associated with [redacted] application was signed electronically on May 9, ***Her loan was funded on May 13, ***While it is possible that [redacted] mistakenly signed her loan agreement when she applied for a loan, she has not made any attempt to return any of the loan proceeds However, because SCF is committed to excellent customer service, it is willing to waive the interest on the loan and allow [redacted] to repay the principal balanceSCF encourages her to contact SCF at 855-209-to set up payment arrangements SCF is pleased to be able to assist the consumer in this mannerSCF is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe SCF loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department
Silver Cloud Financial, Inc East Hwy 20, C Upper Lake CA (855) 214- August 18, [redacted] Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc("SCF") is in receipt of your letter dated August 8, [redacted] in reference to the complainant identified aboveAfter reviewing the complaint and investigating the matter, the following determination was madeSCF does not agree with [redacted] claim [redacted] applied for a $ [redacted] which was funded on June 21, ***The terms of the loan, the payment schedule, finance charges and the annual APR were disclosed to [redacted] in her loan contract, and she signed the contract and agreed to the terms of the loan before SCF issued the fundsFurther, all SCF agents are required to inform customers that their loans are structured on a 20-payment schedule, and that they may pay additional principal or pay their loan off in full at any time without penalty SCF is sorry to hear that [redacted] is not satisfied with the customer service provided to herSCF is committed to excellent customer service and therefore agrees to waive the finance fees for the remainder of the loanSCF's complaint resolution department has contacted [redacted] via e-mail and informed her of its resolution and encouraged her to contact customer service at 855-254-to arrange a payment plan for the remaining balance SCF is pleased to be able to assist the consumer in this mannerSCF is located on sovereign land of the Habematolel Pomo of Upper Lake, a federally recognized Indian tribe, is licensed by the Habematolel Pomo of Upper Lake to make small loansThe SCF loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance DepartmentTell us why here
Silver Cloud Financial, Inc East Hwy **, C Upper Lake CA (855) 214- June 13, [redacted] Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc("SCF") is in receipt of your letter dated June 7, [redacted] in reference to the complainant identified aboveAfter reviewing the complaint and investigating the matter, the following determination was madeSCF does not agree with [redacted] claim [redacted] applied for an $ [redacted] was funded on May 12, ***The terms of the loan, the payment schedule, finance charges and the annual APR were disclosed to [redacted] in her loan contract, and she signed the contract and agreed to the terms of the loan before SCF issued the funds to herFurther, all SCF agents are required to inform customers that their loans are structured on a **-payment schedule, and that they may pay additional principal or pay their loan off in full at any time without penalty Regardless, SCF is committed to excellent customer service and therefore agrees to waive the finance fees for the remainder of the loanSCF's complaint resolution department has contacted [redacted] via e-mail and informed her of its resolution and encouraged her to contact customer service at 855-254-[redacted] to arrange a payment plan for the remaining balance SCF is pleased to be able to assist the consumer in this mannerSCF is located on sovereign land of the Habematolel Pomo of Upper Lake, a federally recognized Indian tribe, is licensed by the Habematolel Pomo of Upper Lake to make small loansThe SCF loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department
Silver Cloud Financial, Inc East Hwy 20, C Upper Lake CA (855) 254- July 28, [redacted] Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc(SCF) is in receipt of your communication dated July 25, [redacted] in reference to the complainant identified aboveWhile SCF continues to disagree with [redacted] complaint, based on her payment history and SCF's commitment to excellent customer service, SCF agrees to close her accountNothing further is due and owing In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department
Silver Cloud Financial, Inc East Hwy C Upper Lake CA (855) 254- [redacted] 29, [redacted] Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc("SCF") is in receipt of your communication today in reference to the complainant identified above After reviewing the notes on the account, the customer's payment history, and the complaint itself, the following determination was made SCF is sorry to learn that MrFisher is experiencing financial hardshipMrFisher applied for a loan with SCF in the amount of a $1,200, which was funded on October 25, ***The terms of the loan, the payment schedule, finance charges and the annual APR were disclosed to MrFisher in the loan contract, and he signed the contract and agreed to the terms of the loan before SCF issued the funds SCF is committed to excellent customer service and has decided to waive the finance fees for the remainder of the loanWe encourage MrFisher to contact customer service at 855-254-to arrange a payment plan for the remaining balance at his earliest convenience in order to resolve this matter SCF is pleased to be able to assist the consumer in this mannerSCF is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe SCF loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department
October 20, Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc(“SCF”) is in receipt of your letter dated October 14, in reference to the complainant identified above [redacted] information was submitted to SCF by application on October 12, During the application process it was identified that this information was submitted fraudulently and the application was withdrawnNo loan has been made in [redacted] name or using her information, and her information has been added to our do-not-contact list as well as flagged so no loans can be made using it in the future While SCF cannot prevent fraudulent applications or identity theft, it has implemented and follows these procedures to minimize the impact to the consumer SCF is pleased to be able to assist the consumer in this mannerSCF is located on sovereign land of the [redacted] ***, which is a federally recognized Indian tribeIt is licensed by the [redacted] *** to make small loansThe SCF website contains all disclosures required by [redacted] *** and applicable federal law and make it clear that all transactions are governed by [redacted] *** In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the [redacted] *** possesses, all of which are expressly reserved Sincerely, Compliance Department
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 meSincerely, [redacted]
Final Consumer Response / [redacted] (2000, 6, 2015/09/09) */ [redacted] issue has been resolved as they have offered to erase all of [redacted] fees on this loan and I accepted Thank you, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2016/03/01) */ Silver Cloud Financial, Inc [redacted] East Hwy [redacted] CA XXXXX (XXX) XXX-XXXX February 29, Revdex.com Broadway, Suite Oakland, CA XXXXX RE: [redacted] # XXXXXXXX Dear Revdex.com: Silver Cloud Financial, Inc("SCF") is in receipt of your communication dated February 18, in reference to [redacted] complainant identified aboveAfter reviewing [redacted] notes on [redacted] account and [redacted] complaint itself, [redacted] following determination was made [redacted] applied for an $loan with SCF, which was funded on December 15, [redacted] terms of [redacted] loan, [redacted] payment schedule, finance charges and [redacted] annual APR were disclosed to [redacted] in [redacted] loan contract, and [redacted] contract was signed and [redacted] terms agreed to before SCF issued [redacted] fundsAll SCF loans follow a standard 20-payment scheduleHowever [redacted] did not have to follow [redacted] 20-payment schedule; all SCF customers may pay additional principal or pay their loan off in full at any time without penaltyTherefore, SCF disagrees with [redacted] 's complaint However, SCF is committed to excellent customer service and has marked [redacted] account paid in full and will not collect any further payment on this accountNo additional monies are due SCF is pleased to be able to assist [redacted] consumer in this manner, although it is under no legal obligation to do soSCF is located on sovereign land of [redacted] Habematolel Pomo [redacted] , which is a federally recognized Indian tribeIt is licensed by [redacted] Habematolel Pomo [redacted] to make small loans [redacted] SCF loan agreement and website contain all disclosures required by Habematolel Pomo [redacted] and federal law and make it clear that all transactions are governed by [redacted] tribal law of [redacted] Habematolel Pomo [redacted] In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and [redacted] Habematolel Pomo [redacted] possesses, all of which are expressly reserved Sincerely, [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/03/03) */ ( [redacted] consumer indicated he/she ACCEPTED [redacted] response from [redacted] business.) I accept them closing account however I still believe I was sent things to sign but they didn't have all [redacted] totals and time it take to complete loanAnd if what they do is legal I hope these laws are change soon cause it [redacted] people who need who are hurt and can lose a lot
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 meSincerely, [redacted]
Silver Cloud Financial, Inc [redacted] Revdex.com [redacted] RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc("SCF") is in receipt of your communication dated [redacted] in reference to the complainant identified above After reviewing the notes on the account, the customer's payment history, and the complaint itself, the following determination was made SCF is sorry to learn that [redacted] is experiencing financial hardshipSCF has acted in accordance with the Loan Agreement and therefore will not issue a refundHowever, because SCF is committed to excellent customer service, it has decided to waive the remaining balanceNothing further is due and owingSCF considers the account closed SCF is pleased to be able to assist the consumer in this mannerSCF is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe SCF loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department Silver Cloud Financial, Inc [redacted] [email protected] us why here
Silver Cloud Financial, Inc East Hwy 20, C Upper Lake CA (855) 254- July 7, [redacted] Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc(SCF) is in receipt of your communication dated June 27, [redacted] in reference to the complainant identified aboveBased on SCF's careful review of the notes on the account and the complaint itself, SCF does not agree with [redacted] complaint [redacted] applied for her seventh loan with SCF in the amount of a $ [redacted] which was funded on April 26, ***The terms of the loan, the payment schedule, finance charges and the annual APR were disclosed to [redacted] in her loan contract, and she signed the contract and agreed to the terms of the loan before SCF issued the funds to her In response to [redacted] claim that SCF is illegal in her state, SCF is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe SCF loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake However, based on [redacted] payment history and SCF's commitment to excellent customer service, SCF agrees to accept her final payment and waive the remainder of her balanceAs of today, SCF has not yet received her final paymentBut once SCF receives it, nothing further will be due and owing and SCF will consider her account closedSCF has notified [redacted] of its decision directly via email In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance DepartmentTell us why here
Silver Cloud Financial, Inc East Hwy C Upper Lake CA (855) 254- June 10, [redacted] Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc("SCF") is in receipt of your communication dated June 3, [redacted] in reference to the complainant identified above After reviewing the notes on the account and the complaint itself, the following determination was made: SCF's loan application and approval process occurs online [redacted] submitted her application electronically on May 9, ***As part of the application process, consumers are directed to a webpage where they may electronically sign their loan agreementOur records indicate that the loan agreement associated with [redacted] application was signed electronically on May 9, ***Her loan was funded on May 13, ***While it is possible that [redacted] mistakenly signed her loan agreement when she applied for a loan, she has not made any attempt to return any of the loan proceeds However, because SCF is committed to excellent customer service, it is willing to waive the interest on the loan and allow [redacted] to repay the principal balanceSCF encourages her to contact SCF at 855-209-to set up payment arrangements SCF is pleased to be able to assist the consumer in this mannerSCF is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe SCF loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department
Silver Cloud Financial, Inc East Hwy 20, C Upper Lake CA (855) 214- August 18, [redacted] Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc("SCF") is in receipt of your letter dated August 8, [redacted] in reference to the complainant identified aboveAfter reviewing the complaint and investigating the matter, the following determination was madeSCF does not agree with [redacted] claim [redacted] applied for a $ [redacted] which was funded on June 21, ***The terms of the loan, the payment schedule, finance charges and the annual APR were disclosed to [redacted] in her loan contract, and she signed the contract and agreed to the terms of the loan before SCF issued the fundsFurther, all SCF agents are required to inform customers that their loans are structured on a 20-payment schedule, and that they may pay additional principal or pay their loan off in full at any time without penalty SCF is sorry to hear that [redacted] is not satisfied with the customer service provided to herSCF is committed to excellent customer service and therefore agrees to waive the finance fees for the remainder of the loanSCF's complaint resolution department has contacted [redacted] via e-mail and informed her of its resolution and encouraged her to contact customer service at 855-254-to arrange a payment plan for the remaining balance SCF is pleased to be able to assist the consumer in this mannerSCF is located on sovereign land of the Habematolel Pomo of Upper Lake, a federally recognized Indian tribe, is licensed by the Habematolel Pomo of Upper Lake to make small loansThe SCF loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance DepartmentTell us why here
Silver Cloud Financial, Inc East Hwy **, C Upper Lake CA (855) 214- June 13, [redacted] Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc("SCF") is in receipt of your letter dated June 7, [redacted] in reference to the complainant identified aboveAfter reviewing the complaint and investigating the matter, the following determination was madeSCF does not agree with [redacted] claim [redacted] applied for an $ [redacted] was funded on May 12, ***The terms of the loan, the payment schedule, finance charges and the annual APR were disclosed to [redacted] in her loan contract, and she signed the contract and agreed to the terms of the loan before SCF issued the funds to herFurther, all SCF agents are required to inform customers that their loans are structured on a **-payment schedule, and that they may pay additional principal or pay their loan off in full at any time without penalty Regardless, SCF is committed to excellent customer service and therefore agrees to waive the finance fees for the remainder of the loanSCF's complaint resolution department has contacted [redacted] via e-mail and informed her of its resolution and encouraged her to contact customer service at 855-254-[redacted] to arrange a payment plan for the remaining balance SCF is pleased to be able to assist the consumer in this mannerSCF is located on sovereign land of the Habematolel Pomo of Upper Lake, a federally recognized Indian tribe, is licensed by the Habematolel Pomo of Upper Lake to make small loansThe SCF loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department
Silver Cloud Financial, Inc East Hwy 20, C Upper Lake CA (855) 254- July 28, [redacted] Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc(SCF) is in receipt of your communication dated July 25, [redacted] in reference to the complainant identified aboveWhile SCF continues to disagree with [redacted] complaint, based on her payment history and SCF's commitment to excellent customer service, SCF agrees to close her accountNothing further is due and owing In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department
Silver Cloud Financial, Inc East Hwy C Upper Lake CA (855) 254- [redacted] 29, [redacted] Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc("SCF") is in receipt of your communication today in reference to the complainant identified above After reviewing the notes on the account, the customer's payment history, and the complaint itself, the following determination was made SCF is sorry to learn that MrFisher is experiencing financial hardshipMrFisher applied for a loan with SCF in the amount of a $1,200, which was funded on October 25, ***The terms of the loan, the payment schedule, finance charges and the annual APR were disclosed to MrFisher in the loan contract, and he signed the contract and agreed to the terms of the loan before SCF issued the funds SCF is committed to excellent customer service and has decided to waive the finance fees for the remainder of the loanWe encourage MrFisher to contact customer service at 855-254-to arrange a payment plan for the remaining balance at his earliest convenience in order to resolve this matter SCF is pleased to be able to assist the consumer in this mannerSCF is located on sovereign land of the Habematolel Pomo of Upper Lake, which is a federally recognized Indian tribeIt is licensed by the Habematolel Pomo of Upper Lake to make small loansThe SCF loan agreement and website contain all disclosures required by Habematolel Pomo of Upper Lake and federal law and make it clear that all transactions are governed by the tribal law of the Habematolel Pomo of Upper Lake In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the Habematolel Pomo of Upper Lake possesses, all of which are expressly reserved Sincerely, Compliance Department
October 20, Revdex.com Broadway, Suite Oakland, CA RE: [redacted] # [redacted] Dear Revdex.com: Silver Cloud Financial, Inc(“SCF”) is in receipt of your letter dated October 14, in reference to the complainant identified above [redacted] information was submitted to SCF by application on October 12, During the application process it was identified that this information was submitted fraudulently and the application was withdrawnNo loan has been made in [redacted] name or using her information, and her information has been added to our do-not-contact list as well as flagged so no loans can be made using it in the future While SCF cannot prevent fraudulent applications or identity theft, it has implemented and follows these procedures to minimize the impact to the consumer SCF is pleased to be able to assist the consumer in this mannerSCF is located on sovereign land of the [redacted] ***, which is a federally recognized Indian tribeIt is licensed by the [redacted] *** to make small loansThe SCF website contains all disclosures required by [redacted] *** and applicable federal law and make it clear that all transactions are governed by [redacted] *** In responding to this complaint, SCF notes and reserves these objections, as well as all othersSCF has not and does not intend to waive its sovereign immunityNothing contained herein is intended, or shall be construed as, an admission or waiver of any rights that SCF and the [redacted] *** possesses, all of which are expressly reserved Sincerely, Compliance Department
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 meSincerely, [redacted]