Stearns Lending

Ms [redacted] Thank you for your correspondenceI apologize, I could not locate any orders on your account for the Dirty Dozen Iris OfferThe order listed in the complaint was placed on September 11th, using a 'coupon' email offer (Key [redacted] ), for Bee Balm Mixture and Blue Hill SalviaI also located an order placed on September 9th, that had some individual iris on it placed using a 'Up to 75% (Key [redacted] ) email offerThe offer you were referring to - Dirty Dozen Iris Deal (Key [redacted] ) was emailed out on September 10th, and it does mention that there are limited quantities availableI have included a copy of the email sent, order and key code information I apologize, many of the emails sent are for 'flash sales, or limited quantity' specials, and while the individual items may be available on the website, the special is notIf you have an order confirmation showing the Dirty Dozen Iris Deal placed using the Offer Keycode [redacted] (only offer that will give the discounted pricing), please forward that information, and I will be happy to review the order and work to resolve the matterPlease do not hesitate to contact us if you have any questionsThank you, [redacted] BrecksCustomer Dispute Resolution Department?

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 [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] there is the matter of order [redacted] in the amount of $to be refunded and also Springhill order # [redacted] in the amount of $to be refunded and than matters are clearedSorry but items I brought were not the money I paid for very disappointed!!!

Arnold ***Sep (days ago)tomeYesThey finally confirmed paymentThanks***

RE: Complaint: ***
Mrs***,
I apologize for the issues you are having with Breck's Revolving CreditThe offer that was sent to you did include all the information stating service and finance chargesI am including a copy of what is enclosed with all credit offers, which includes
information regarding interest rates, charges, late fees and minimum balance dues
Order *** was mailed in and received on April 5, This order shipped out on April 27, 2016, and the credit department would have sent the first statement soon afterThe first payment received was on August 2, ($20.00)
The first contact regarding the order to our Customer Service Department was on September 13, 2016, and the call was transferred to the Credit Department
We do not show any previous contact, and have no record of contact regarding product issues
Unfortunately, we cannot remove any service charges, interest or late feesI am issuing a credit for the Hens and Chicks Collection in the amount of $($+ tax)If you have any additional questions regarding the balance due, please contact Breck’s Credit Department at (877) 212-
Thank you,
*** ***
Breck’s Customer Dispute Department

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

* ***Feb (days ago)tomeBrecks threatened me several times and even though I talked and even wrote letters to the collection department. They finally answered me after I threatened to contact an attorney and sent me a letter with a zero balance. I
will never do business with them again for sure and neither will anyone I talk to. *** ***

Mr***,The orders mentioned in your response were not included in the initial complaintI have requested a refund for items *** *** *** *** ($59.97) *** from order *** and items *** *** *** *** ($59.97) *** from order ***The refunds are for all plants purchased, I can not issue any additional refunds for the fertilizers purchased or the shipping and handlingThis will have the three orders being refunded in fullYou should receive your refund checks within the next 3-weeks.Thank you,*** ***, Customer Dispute Resolution

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. Not happy with it but it is probably the best I will get.I want the issue settledI am sending a final payment of $($balance - $credit) with a request to close account and remove me from their mailing list
Regards,
*** ***

Mr***,I apologize for the issues you had when contacting our Customer Service DepartmentWe show that the order in question (***) shipped out on 09/18/We did not receive any response on the balance due until we received a call from you on 03/18/stating the payment was being
mailedBecause it was not received by the beginning of April, the account was turned over to the Collection agency which does void all guaranteesWe did receive the payment (Check # *** $78.92) on May 21, 2015.We have contacted the collection agency to make sure the account has been pulled from themI am attaching a copy of the invoice and credit issued ($65.97) which is the product total for order ***I apologize, but want to let you know this is a one time exception because our policy is as the our agents stated in the email sent 09/02/When an order and/or account is put into a 'bad' status, all guarantee on items are null and voidYou should receive your refund check in the mail within the next 2-weeks.Thank you,*** ***Customer Dispute Resolution

Mr***, I apologize for the confusionWe actually received three Breck's orders in the mail from you using our Revolving Credit planThis is where the bills are coming from as wellThe first order was received on 04/11/for Fall Bulbs ($64.50) which shipped out on 09/02/Order
(delivered 9/7/1:pm)The next order was received on 05/14/for Fall Bulbs which shipped in two parts ($44.92) shipped out on 09/02/and ($37.96) shipped out on 09/17/Order (delivered 9/26/2:pm)/(delivered 9/22/1:pm)The last order was received on 06/02/for Fall Poppy Collection ($29.94) which shipped out on 09/24/Order (delivered 9/29/1:pm)
The total balance due (before finance charges) was $and we received a payment of $on 09/27/I am including copies of the order invoices to show the product ordered
Thank you, *** *** Brecks Customer Dispute Resolution

I apologize for the billing confusionThe order in question (***) was placed using Breck's CreditThe information mailed included the terms and explained finance and late chargesUnfortunately, we are unable to use credits from other orders to pay on a revolving credit orderWhen you
contacted customer service regarding an item that did not grow on a different order, we issued a refund check for that item, as we could not credit the order in questionIf you have additional questions regarding this order, please contact Brecks Credit at (877) 212-0378.Order *** was placed on 06/16/and shipped out on 09/09/The order included Tulip and Hyacinth bulbs that will just be starting to bloom for the springA bill went out at the time of shipment for $Finance Charges in the amount of $were added to the account on 10/17, 11/16, 12/16/16, 1/16, 2/and 3/16/(Totaling $6.00)Late Charges in the amount of $were added to the account on 10/and 12/16/16, 1/16, 2/and 3/16/(Totaling $50.00)Payments were made on 11/16/and 1/5/17, and were applied to the principle balance, late and service chargesI am including the order with the payment and charge information along with the Brecks Credit information sent with every offer.Please let me know if I can be of any additional assistanceUnfortunately, I cannot remove any service and/or late charges, you will need to speak to Brecks Credit at the number provided above.Thank you,Kim Jordan Brecks Customer Dispute

Due to privacy laws I can only give you general informationI would encourage you to ask the client for documentation so I can address her specific concerns Stearns Lending charges $for a processing fee and $for Underwriting fee for a total of $We don’t charge origination
fees, or points Fees that were disclosed to the client include Tittle company fees, taxes, tittle transfer fees that are due to the county etc Stearns Lending does collect an appraisal fee that goes directly to the appraisal company In new construction it is common to charge an appraisal fee and a re-inspection fee to ensure that all the options that were chosen by the client were installed All fees were disclosed to the client and were signed and acknowledged by the clientThe client is also fully aware that appraisal fees are non-refundable, whether the loan closes or not All appraisals are paid for upfront with clients credit/debit cardWe have the client’s signed authorization regarding the Appraisal

Check # *** was applied to Orders on Account ***I have attached the response and order informationPlease do not hesitate to contact me if you need any additional information or I can assist you
Thanks,
*** ***
Brecks Customer Dispute Resolution

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
[To assist us in bringing this matter to a close, we would like to know your view on the matter.] This is an in house matter for Breck's to decideI am certain communications within the Breck's company will be far more efficient and quicker than if I waste any more time tracking down their inane policies
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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 me. 
Regards,  How ever I still want them to send my peonies that the they owe me, beside my money.  Also  I want to say that I did not use their Brecks revolving credit  I paid with my online banking they send a check to them. Thank You.[redacted]

[A default letter is provided here...

which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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 me.  However, I am not pleased they turned an unpaid amount over to collections on this because their final bill to me was in the amount of $302.89 which was paid. Nothing was ever sent to me indicating there was another balance in the amount of $96.58. It could not have been Spring Hill because that amount has been paid as well. The two companies need to have a better accounting system in order to provide adequate customer service. I will not order anything, and advise anyone else to be cautious about ordering from either company. As I stated before more than half of the plants and/or bulbs did not survive. I am very dissatisfied with their products overall. I do recommend their irises and that is about it. Shame on them.
Regards,
[redacted]

Ms. [redacted] Thank you for your correspondence. I apologize, I could not locate any orders on your account for the Dirty Dozen Iris Offer. The order listed in the complaint was placed on September 11th, using a 'coupon' email offer (Key [redacted]), for Bee Balm Mixture and Blue Hill Salvia. I also...

located an order placed on September 9th, that had some individual iris on it placed using a 'Up to 75% (Key [redacted]) email offer. The offer you were referring to - Dirty Dozen Iris Deal (Key [redacted]) was emailed out on September 10th, and it does mention that there are limited quantities available. I have included a copy of the email sent, order and key code information.  I apologize, many of the emails sent are for 'flash sales, or limited quantity' specials, and while the individual items may be available on the website, the special is not. If you have an order confirmation showing the Dirty Dozen Iris Deal placed using the Offer Keycode [redacted] (only offer that will give the discounted pricing), please forward that information, and I will be happy to review the order and work to resolve the matter. Please do not hesitate to contact us if you have any questions. Thank you,[redacted]BrecksCustomer Dispute Resolution Department?

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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]there is the matter of order [redacted] in the amount of $84.90 to be refunded and also Springhill order #[redacted] in the amount of $84.90 to be refunded  and than matters are cleared. Sorry but items I brought were not the money I paid for very disappointed!!!

Ms. [redacted],I apologize for the refund delay. Unfortunately, the order was placed using the Brecks Revolving Credit plan which is billed and paid separately from our department. I do show that the refund check (#[redacted]) $82.65 was mailed out on September 1, 2017. I have attached a copy of this...

information, please let me know if I can be of any additional assistance.[redacted]
Brecks, Customer Dispute Resolution

Review: Stearns Lending has a website that they promote on their phone lines. The website name is www.[redacted]com. When my wife and I decided to try the website for our home mortgage for paperless billing, we had a very frustrating experience. I paid my mortgage bill online for November in the first week. Several days after, the lending company charged my account again for the same amount. This overdrew my checking account. Stearns customer service required a statement proving the mistake, which I understand, but it was a hassle to accomplish in the middle of the work week. The next day, the situation was resolved. However, several days after that, the lending company charged my account again for the same amount. Over $6,500 in several days! So I had to go through the entire process again and I'm currently waiting to be reimbursed..again. The best explanation I have received is a "glitch in the website". For a large lending company that deals with thousands of dollars a day, a "glitch" doesn't cut it for me. This website is flawed. I have since deleted my account information from the website and will be using paper bills from this point forward.Desired Settlement: Obviously, a full refund of the amount taken and reimbursement of any bank or bounced check fees that occurred as a result of this glitch.