Revdex.com
S Jefferson St
Suite #
Spokane, WA
Re: Revdex.com Assigned ID ***
Dear *** ***,
Thank you for providing us with the opportunity to address this customer’s concernsOn 8/10/*** *** was funded With a successful first
payment on 8/26/
On 9/16/2016, *** *** missed his second payment9/20/the Collections Department reached out to assist with resolving the missed paymentOn 9/21/*** *** and his wife called in and stated that there was a death in the familyThat was the reason for the missed payment and rescheduled for 10/7/and would call if there were any issuesThis same day there was a confirmation for scheduled payments to start 10/7/
On 10/3/*** *** sent in an email stating that his bank account had been compromised and needed to work out lower paymentsHe said he could make $payments every pay periodHe requested an email stating that we agreed to this arrangementAn email response was sent agreeing to the arrangementSoon after on 10/3/we received another email requesting to start payments on 10/21/This request was granted
On 10/17/*** *** sent in an email requesting an extension for the payment on 10/21/stating that his bank account has been compromised and there was a family emergencyHe requested that we email back a responseAn email response was sent stating that his payment for 10/21/could be held for 10/28/or 10/31/2016, asking which date he preferredThe next due date was set for 10/31/That payment returned to us as Insufficient Funds
On 10/30/*** Stuebe emailed requesting to extend the payment until 11/4/for $He stated, I think you have it listed as the Oct and he doesn’t get paid until the 4th of NovHe requested that we email a response
On 10/31/*** Stuebe emailed Can I get an extension for the payment due on the 4th since you took payment out todayI am trying to get back on trackI get paid the 4th but need an extension since I have to pay rentI get paid again on the 18th and then can do $thenA response was sent stating, the payment for 11/has been deleted and the next payment is due on 11/for $
On 11/14/*** *** emailed requesting an extension for the payment on 11/18/Stating, the next time I get paid is after Dec My wife has been sick and my son’s birthday is Monday and trying to get bank account straightened outHe requested that we email back a response
On 11/15/we emailed a response stating, we do understand that things happen and want to work with customersHowever, keep in mind since you have gotten your loan you have had one successful paymentYour $payment on 10/came back and cost you $in feesYou asked us to delete the payment for 11/4/and now are asking to delete the payment for 11/18/We will go ahead and delete your payment
On 12/8/*** *** emailed that he was checking on his balanceHe stated he could make the payment of $on 12/30/He also stated that he could mail the payment if it would be easier since the bank account was still getting fixed but will make a paymentA response was sent stating, your loan balance is $You do have payments scheduled for 12/16/and 12/30/as authorized in our communication from 10/3/
On 12/29/*** *** emailed asking to skip the payment on 12/30/he stated, because his wife had surgery and no one respondedThat is poor customer serviceHe requested that we email a responseAn email response was sent requesting that he resubmit the email that we missed so that it may be researchedAs for the payment on 12/30/that can’t be stoppedIt requires 72-hour notification
On 1/3/*** *** emailed, Ok I did my payment on Friday Dec Can I now skip payment on Jan since giving more than week notice since wife is trying to recover from surgery
We do apologize for the hardship that you and your family have been experiencing and have made every attempt to assist you during these times
We invite *** *** to call in to our Resolutions department to set up an arrangement to settle this account
Thank you for the opportunity to address the concerns of this customer
Compliance Officer
Revdex.com
*** * *** **
*** * ***
*** ** ***
",sans-serifTimes New Roman"background:white">
Re: Revdex.com Assigned ID ***
Dear *** ***,
Thank you for providing us with the opportunity
to address this customer’s concernsWe do understand that our consumers would
like to have access online to review payments madeOn the first page of the
loan agreement the payment schedule is providedIf there are any concerns or
if the consumer would like to pay down on their principal balance or pay off the
balance they can always call in to speak with someone from our customer service
department
An email explaining this along with a copy of
payments made and her loan documents have been attached*** *** is
welcomed to call in and speak with the Collections Supervisor if she has any
questions or concerns
Thank you again for providing us an opportunity
to address the concerns of our customer
Compliance
Revdex.com S Jefferson St Suite # Spokane, WA Re: Revdex.com Assigned ID *** Dear *** *** Thank you for providing us with the opportunity to address this customer’s concernsOn 3/28/2017, *** *** was funded by ACHWhen a customer is funded by
ACH or makes a payment by ACH it takes three business days for the deposit or payment to clearAt the time of her call on 3/29/the deposit to her bank account was still pending and will not clear until 3/31/On that date *** *** can call in the make her paydown paymentThank you for the opportunity to address the concerns of this customer Compliance Officer
Revdex.com
S Jefferson St
Suite #
Spokane, WA
Re: Revdex.com Assigned ID ***
Dear *** ***,
Thank you for providing us with the opportunity to address this customer’s concernsOn 10/27/*** *** set up a settlement payment for 10/28/
to close her accountOn 10/28/that payment failedOn 11/1/2016, *** *** was contacted as a follow up to that failed settlement payment, there was no answer and a voicemail was leftOnce management received the Cease and Desist order all forms of communications were stopped
As the debt is still owed, *** *** can always call in to set up an arrangement on the full balance owed to close her account
Thank you for the opportunity to address the concerns of this customer
Compliance Officer
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received, your complaint will be closed Administratively Resolved]
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 complaintFor your reference, details of the offer I reviewed appear below
Glad this company will not be charging my account anymore, however even their final response was an outright lieI have NEVER been charged an international fee due to a transaction with this company before this most recent loanThis is something new they have done recently and did not inform anyone about.
Regards,
*** ***
[A default letter is provided here which indicates your acceptance of the business' responseIf 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,
*** ***
Revdex.com
[redacted] [redacted]
[redacted] [redacted]
[redacted]
",sans-serifTimes New Roman"background:white">
Re: Revdex.com Assigned ID
Dear [redacted],
Thank you for providing us with the opportunity
to address this customer's concernsWe were able to contact [redacted]
and come to a resolution to her issue and close the accountThe account is now
paid off and an apology has been issued due to the inconvenience this situation
has caused
We would like to thank you again for an
opportunity address this issue and come to a favorable resolution
Compliance Officer
Revdex.com
[redacted] [redacted]
[redacted] [redacted]
[redacted]
",sans-serifTimes New Roman"background:white">
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thank you for providing us with the opportunity
to address this customer's concernsOn January 5, we received an email
stating that her checking information has been stolen and that she started a
new job and would contact us when she can to update her new pay dates and get
back on track
On January 13, an attempt was made to
contact [redacted]t for an update on repayment information because there had
not been a follow up call as she stated in her emailThis contact was by cell
phone and emailThere was no response to these attempts
On February 10, her account was moved to
our resolutions department and the first contact by a resolutions representative
was February 11, 2016, where a voicemail was left on her cellular number and an
email sent to her email address on fileShe did respond the messages left on
that day and set up a payment arrangement with our representative for the
balance in full starting in March
On February 17, we received an email
stating, "I have asked you to never
contact my previous employer and I have been told that you are repeatedly
calling them on a daily basisLike I said I do not work there any longer and
my only contact is my phone number ----"
Our resolutions representative reached out by
emailing, "Mrs[redacted]t, Thank
you for your recent email regarding your loan with Target Finance, LLCUnfortunately
the information you have been provided is faulty No one from Target
Finance has contacted your prior employer since your advised us of your job
change. All contact has been initiated at your contact number of
(605) ----- Please contact me at the number below to arrange
dates and amounts of repayment of your loan as we last discussed on February
11, 2016."
We then received another email from [redacted]t
stating," Will you accept for payoff
of this loan? I am waiting to hear back from you"
Our representative responded, "Mrs[redacted]t,
As of today's date, the total balance owed on your
loan is $
Target Finance will accept the principal balance
of $551.42, if paid in full, no later than February 26, If
you would like to make payments on the balance of $808.07, please let me know
what amount of funds you can make without fail, to include specific dates and
amounts. We would rather work with you on the balance rather than send
the account to a third party collection agency"
On February 18, 2016, [redacted]t sent another
email stating, "Ok so my bank Wells Fargo contacted me regarding withdrawals
from my account from your company and they told me your company is not a
licensed lender in South Dakota I was also told you have no
authorization to lend money in this State."
Our representative sent a response," Mrs[redacted]t,
Target Finance, LLCIs a wholly owned and
operated entity of the Fort Belknap Indian Community that is located on the
Fort Belknap Reservation of MontanaWe are a federally recognized tribal
entity and therefore, the activities of Target Finance, LLCare not subject to
licensing by any state and are immune from any state investigation or
enforcement actions
I can be reached at the number below,
Monday-Friday, a.m- p.m., MST"
We have made attempts to accommodate [redacted]
[redacted]t's employment situation and have made attempts to resolve the balance
with her as wellIn an email dated February 14, she stated that she will
have her first paycheck on March 4, 2016, she may call in to speak with our
resolutions representative after that date to create an arrangement that will
not be very intrusive to her financial situation
Thank you again for another opportunity to
address the concerns of our customers
Revdex.com
[redacted] [redacted]
[redacted] [redacted]
[redacted]
",sans-serifTimes New Roman"background:white">
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thank you for providing us with the opportunity
to address this customer's concernsOn 2/25/2016, [redacted] contacted our
Customer Service department by email requesting a copy of her loan documents,
pay off information and the original loan amountA response from Customer
Service was sent to her by email stating:
[redacted]
Date: Thu, Feb 25,
8:am
To: [redacted]
Dear [redacted],
Your payoff amount will be for $if you do it on 03/The
original loan amount was for $and attached you will find the loan
documents
Thank you,
[redacted]
Customer Service Department
Tel: [redacted]
Fax:[redacted] "
As a courtesy we have closed her account and she
is no longer obligated to pay her balance
Thank you again for providing us an opportunity
to address the concerns of our customer
Compliance
Revdex.com
[redacted]
",sans-serifTimes New Roman"background:white">
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thanks for the Revdex.com letter dated February 23,
with regard to a complaint received from one of our customers; we are
committed to providing customers with the highest level of service
Customers can always contact our specialists
with questions about the terms of their loan agreement as well as the options
available to the customer with regards to repaymentAs a repeat customer [redacted] is aware that she may reach out to customer service with any questions
and concerns
After obtaining a second loan, this customer
made four installments towards repayment of her loan based on the loan
agreement terms and conditions[redacted] is welcome to contact our
Resolutions department for settlement options
Thank you again for bringing this matter to our
attention and allowing us the opportunity to resolve this with the customer
Sincerely,
Compliance Officer
Revdex.com
152 S Jefferson St
Suite # 200
Spokane, WA 99201
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thank you for providing us with the opportunity to address this customer’s concerns. Target Cash Now has extended three loans to [redacted]. The first...
funded 7/25/2014 for $800.00 and paid off 7/31/2014. The second funded on 8/6/2014 for $1000.00 and paid off on 11/28/2014. However, on the third loan funded on 12/23/2014 for $1300, [redacted] called in on 1/13/2015 to add additional funds to pay down on her payment plan, which she made on 1/15/2015. On 1/28/2015 [redacted] called in to extend her due date of 1/30/2015 to 2/2/2015 at that time she would pay the loan off. That payment declined. On the following dates we attempted to contact [redacted] to set up a payment plan for repayment 3/9/2015, 3/20/2015, 3/31/2015, 4/7/2015, 4/8/2015, 4/13/2015 and 4/15/2015, she did not answer any of the calls or respond to any messages left.
On 4/16/2015 a letter of revoking our ACH privileges also stating that products offered by Target Cash Now were not a legal in the state of California.
Our customer service department is always available to answer any questions about our company, our financial products and repayment terms and options with customers.
On 4/27/2015, a seven day letter of demand was sent by email to [redacted], there was no response by her.
On 2/20/2016 [redacted]’s account was sent to an outside collections agency.
As we do sympathize with [redacted]’s situation, we were not given the opportunity to assist her in this matter.
Thank you for the opportunity to address the concerns of this customer.
Revdex.com
[redacted] [redacted] [redacted]
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thank you for providing us with the opportunity
to address this customer’s concerns. We do understand that our consumers would
like to have access online to review payments made. On the first page of the
loan agreement the payment schedule is provided. If there are any concerns or
if the consumer would like to pay down on their principal balance or pay off the
balance they can always call in to speak with someone from our customer service
department.
An email explaining this along with a copy of
payments made and her loan documents have been attached. [redacted] is
welcomed to call in and speak with the Collections Supervisor if she has any
questions or concerns.
Thank you again for providing us an opportunity
to address the concerns of our customer.
Compliance
Revdex.com
[redacted]
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thanks for the Revdex.com letter dated February 22,
2016 with regard to a complaint received from one of our customers; we are
committed to providing customers with the highest level of service.
As per [redacted]t’s conversation with our
Resolution Representative, she may call in to set up payment dates for the
arrangement discussed.
Thank you again for bringing this matter to our
attention and allowing us the opportunity to resolve this with the customer.
Sincerely,
Compliance Officer
Revdex.com
[redacted]
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thank you for providing us with the opportunity to address
this customer’s concerns. As a repeat customer, [redacted] is aware of the
repayment...
terms and conditions surrounding her consumer loan as outlined in her
signed consumer loan agreement and on our website. Furthermore, we have a
trained staff of customer care specialists ready to answer any customer
questions that [redacted] may have. We also work with our customers to
amend their payment schedule if they are dissatisfied with their current repayment
plan. At this time, although this customer has only made a partial repayment of
her loan based on the loan terms, we will stop all future ACH payments and [redacted] may call in and speak with a member of our
resolution team for a repayment plan.
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received, your complaint will be closed Administratively Resolved]
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.
54-4-52.
License required. No person may engage in the business of lending money without
a license. A violation of this section is a Class 1 misdemeanor.
Source:SL
1998, ch 280, § 17.
This company does not have a license to lend monies in the State of South Dakota. I want them to leave me alone and send a written statement that I owe them no monies and I will drop this matter. You as the Better Business Burea know this is not right for them to be lending in a State they are not licensed in.
Regards,
[redacted]t
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received, your complaint will be closed Administratively Resolved]
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.This company did lend money in a state they are not legally licensed to lend according to State Banking laws by South Dakota. I have been asked to inquire that this company sends me a statement that this account is paid in full.
Regards,
[redacted]t
Revdex.com
152 S Jefferson St
Suite # 200
Spokane, WA 99201
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thank you for providing us with the opportunity to address this consumer’s concerns. We have researched the claims of [redacted] and have found them to...
be the inquiries she has submitted to various companies requesting financial services. Her application was referred to our company several times but were rejected and never became part of our database to be contacted.
We do apologize for any issues this may have caused.
Thank you for the opportunity to address the concerns of this consumer.
Revdex.com
152 S Jefferson St
Suite # 200
Spokane, WA 99201
Re: Revdex.com Assigned ID [redacted]
Dear [redacted]
Thank you for providing us with the opportunity to address this customer’s concerns. On March 22, 2016 [redacted] spoke with one of our representatives...
to verify the information on her loan application (General profile information, Employment, Banking and References). Located on the first page of the loan application is a full disclosure of the loan rates for the dollar amount requested and the payment schedule. The payment schedule is also repeated again on page eight of the loan application. Upon the completion of the verification process to correct any erroneous items, she was given the terms and conditions of repayment of her loan. These items are available for review during the signing of the loan contract.
If there are any questions regarding the repayment terms of the loan contract customers are always welcome to contact Customer Service.
Thank you for the opportunity to address the concerns of this customer.
Compliance Officer
[A default letter is provided here which indicates your acceptance of the business' 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,
[redacted]
Revdex.com
S Jefferson St
Suite #
Spokane, WA
Re: Revdex.com Assigned ID ***
Dear *** ***,
Thank you for providing us with the opportunity to address this customer’s concernsOn 8/10/*** *** was funded With a successful first
payment on 8/26/
On 9/16/2016, *** *** missed his second payment9/20/the Collections Department reached out to assist with resolving the missed paymentOn 9/21/*** *** and his wife called in and stated that there was a death in the familyThat was the reason for the missed payment and rescheduled for 10/7/and would call if there were any issuesThis same day there was a confirmation for scheduled payments to start 10/7/
On 10/3/*** *** sent in an email stating that his bank account had been compromised and needed to work out lower paymentsHe said he could make $payments every pay periodHe requested an email stating that we agreed to this arrangementAn email response was sent agreeing to the arrangementSoon after on 10/3/we received another email requesting to start payments on 10/21/This request was granted
On 10/17/*** *** sent in an email requesting an extension for the payment on 10/21/stating that his bank account has been compromised and there was a family emergencyHe requested that we email back a responseAn email response was sent stating that his payment for 10/21/could be held for 10/28/or 10/31/2016, asking which date he preferredThe next due date was set for 10/31/That payment returned to us as Insufficient Funds
On 10/30/*** Stuebe emailed requesting to extend the payment until 11/4/for $He stated, I think you have it listed as the Oct and he doesn’t get paid until the 4th of NovHe requested that we email a response
On 10/31/*** Stuebe emailed Can I get an extension for the payment due on the 4th since you took payment out todayI am trying to get back on trackI get paid the 4th but need an extension since I have to pay rentI get paid again on the 18th and then can do $thenA response was sent stating, the payment for 11/has been deleted and the next payment is due on 11/for $
On 11/14/*** *** emailed requesting an extension for the payment on 11/18/Stating, the next time I get paid is after Dec My wife has been sick and my son’s birthday is Monday and trying to get bank account straightened outHe requested that we email back a response
On 11/15/we emailed a response stating, we do understand that things happen and want to work with customersHowever, keep in mind since you have gotten your loan you have had one successful paymentYour $payment on 10/came back and cost you $in feesYou asked us to delete the payment for 11/4/and now are asking to delete the payment for 11/18/We will go ahead and delete your payment
On 12/8/*** *** emailed that he was checking on his balanceHe stated he could make the payment of $on 12/30/He also stated that he could mail the payment if it would be easier since the bank account was still getting fixed but will make a paymentA response was sent stating, your loan balance is $You do have payments scheduled for 12/16/and 12/30/as authorized in our communication from 10/3/
On 12/29/*** *** emailed asking to skip the payment on 12/30/he stated, because his wife had surgery and no one respondedThat is poor customer serviceHe requested that we email a responseAn email response was sent requesting that he resubmit the email that we missed so that it may be researchedAs for the payment on 12/30/that can’t be stoppedIt requires 72-hour notification
On 1/3/*** *** emailed, Ok I did my payment on Friday Dec Can I now skip payment on Jan since giving more than week notice since wife is trying to recover from surgery
We do apologize for the hardship that you and your family have been experiencing and have made every attempt to assist you during these times
We invite *** *** to call in to our Resolutions department to set up an arrangement to settle this account
Thank you for the opportunity to address the concerns of this customer
Compliance Officer
Revdex.com
*** * *** **
*** * ***
*** ** ***
",sans-serifTimes New Roman"background:white">
Re: Revdex.com Assigned ID ***
Dear *** ***,
Thank you for providing us with the opportunity
to address this customer’s concernsWe do understand that our consumers would
like to have access online to review payments madeOn the first page of the
loan agreement the payment schedule is providedIf there are any concerns or
if the consumer would like to pay down on their principal balance or pay off the
balance they can always call in to speak with someone from our customer service
department
An email explaining this along with a copy of
payments made and her loan documents have been attached*** *** is
welcomed to call in and speak with the Collections Supervisor if she has any
questions or concerns
Thank you again for providing us an opportunity
to address the concerns of our customer
Compliance
Revdex.com S Jefferson St Suite # Spokane, WA Re: Revdex.com Assigned ID *** Dear *** *** Thank you for providing us with the opportunity to address this customer’s concernsOn 3/28/2017, *** *** was funded by ACHWhen a customer is funded by
ACH or makes a payment by ACH it takes three business days for the deposit or payment to clearAt the time of her call on 3/29/the deposit to her bank account was still pending and will not clear until 3/31/On that date *** *** can call in the make her paydown paymentThank you for the opportunity to address the concerns of this customer Compliance Officer
Revdex.com
S Jefferson St
Suite #
Spokane, WA
Re: Revdex.com Assigned ID ***
Dear *** ***,
Thank you for providing us with the opportunity to address this customer’s concernsOn 10/27/*** *** set up a settlement payment for 10/28/
to close her accountOn 10/28/that payment failedOn 11/1/2016, *** *** was contacted as a follow up to that failed settlement payment, there was no answer and a voicemail was leftOnce management received the Cease and Desist order all forms of communications were stopped
As the debt is still owed, *** *** can always call in to set up an arrangement on the full balance owed to close her account
Thank you for the opportunity to address the concerns of this customer
Compliance Officer
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received, your complaint will be closed Administratively Resolved]
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 complaintFor your reference, details of the offer I reviewed appear below
Glad this company will not be charging my account anymore, however even their final response was an outright lieI have NEVER been charged an international fee due to a transaction with this company before this most recent loanThis is something new they have done recently and did not inform anyone about.
Regards,
*** ***
[A default letter is provided here which indicates your acceptance of the business' responseIf 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,
*** ***
Revdex.com
[redacted] [redacted]
[redacted] [redacted]
[redacted]
",sans-serifTimes New Roman"background:white">
Re: Revdex.com Assigned ID
Dear [redacted],
Thank you for providing us with the opportunity
to address this customer's concernsWe were able to contact [redacted]
and come to a resolution to her issue and close the accountThe account is now
paid off and an apology has been issued due to the inconvenience this situation
has caused
We would like to thank you again for an
opportunity address this issue and come to a favorable resolution
Compliance Officer
Revdex.com
[redacted] [redacted]
[redacted] [redacted]
[redacted]
",sans-serifTimes New Roman"background:white">
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thank you for providing us with the opportunity
to address this customer's concernsOn January 5, we received an email
stating that her checking information has been stolen and that she started a
new job and would contact us when she can to update her new pay dates and get
back on track
On January 13, an attempt was made to
contact [redacted]t for an update on repayment information because there had
not been a follow up call as she stated in her emailThis contact was by cell
phone and emailThere was no response to these attempts
On February 10, her account was moved to
our resolutions department and the first contact by a resolutions representative
was February 11, 2016, where a voicemail was left on her cellular number and an
email sent to her email address on fileShe did respond the messages left on
that day and set up a payment arrangement with our representative for the
balance in full starting in March
On February 17, we received an email
stating, "I have asked you to never
contact my previous employer and I have been told that you are repeatedly
calling them on a daily basisLike I said I do not work there any longer and
my only contact is my phone number ----"
Our resolutions representative reached out by
emailing, "Mrs[redacted]t, Thank
you for your recent email regarding your loan with Target Finance, LLCUnfortunately
the information you have been provided is faulty No one from Target
Finance has contacted your prior employer since your advised us of your job
change. All contact has been initiated at your contact number of
(605) ----- Please contact me at the number below to arrange
dates and amounts of repayment of your loan as we last discussed on February
11, 2016."
We then received another email from [redacted]t
stating," Will you accept for payoff
of this loan? I am waiting to hear back from you"
Our representative responded, "Mrs[redacted]t,
As of today's date, the total balance owed on your
loan is $
Target Finance will accept the principal balance
of $551.42, if paid in full, no later than February 26, If
you would like to make payments on the balance of $808.07, please let me know
what amount of funds you can make without fail, to include specific dates and
amounts. We would rather work with you on the balance rather than send
the account to a third party collection agency"
On February 18, 2016, [redacted]t sent another
email stating, "Ok so my bank Wells Fargo contacted me regarding withdrawals
from my account from your company and they told me your company is not a
licensed lender in South Dakota I was also told you have no
authorization to lend money in this State."
Our representative sent a response," Mrs[redacted]t,
Target Finance, LLCIs a wholly owned and
operated entity of the Fort Belknap Indian Community that is located on the
Fort Belknap Reservation of MontanaWe are a federally recognized tribal
entity and therefore, the activities of Target Finance, LLCare not subject to
licensing by any state and are immune from any state investigation or
enforcement actions
I can be reached at the number below,
Monday-Friday, a.m- p.m., MST"
We have made attempts to accommodate [redacted]
[redacted]t's employment situation and have made attempts to resolve the balance
with her as wellIn an email dated February 14, she stated that she will
have her first paycheck on March 4, 2016, she may call in to speak with our
resolutions representative after that date to create an arrangement that will
not be very intrusive to her financial situation
Thank you again for another opportunity to
address the concerns of our customers
Revdex.com
[redacted] [redacted]
[redacted] [redacted]
[redacted]
",sans-serifTimes New Roman"background:white">
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thank you for providing us with the opportunity
to address this customer's concernsOn 2/25/2016, [redacted] contacted our
Customer Service department by email requesting a copy of her loan documents,
pay off information and the original loan amountA response from Customer
Service was sent to her by email stating:
[redacted]
Date: Thu, Feb 25,
8:am
To: [redacted]
Dear [redacted],
Your payoff amount will be for $if you do it on 03/The
original loan amount was for $and attached you will find the loan
documents
Thank you,
[redacted]
Customer Service Department
Tel: [redacted]
Fax:[redacted] "
As a courtesy we have closed her account and she
is no longer obligated to pay her balance
Thank you again for providing us an opportunity
to address the concerns of our customer
Compliance
Revdex.com
[redacted]
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Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thanks for the Revdex.com letter dated February 23,
with regard to a complaint received from one of our customers; we are
committed to providing customers with the highest level of service
Customers can always contact our specialists
with questions about the terms of their loan agreement as well as the options
available to the customer with regards to repaymentAs a repeat customer [redacted] is aware that she may reach out to customer service with any questions
and concerns
After obtaining a second loan, this customer
made four installments towards repayment of her loan based on the loan
agreement terms and conditions[redacted] is welcome to contact our
Resolutions department for settlement options
Thank you again for bringing this matter to our
attention and allowing us the opportunity to resolve this with the customer
Sincerely,
Compliance Officer
Revdex.com
152 S Jefferson St
Suite # 200
Spokane, WA 99201
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thank you for providing us with the opportunity to address this customer’s concerns. Target Cash Now has extended three loans to [redacted]. The first...
funded 7/25/2014 for $800.00 and paid off 7/31/2014. The second funded on 8/6/2014 for $1000.00 and paid off on 11/28/2014. However, on the third loan funded on 12/23/2014 for $1300, [redacted] called in on 1/13/2015 to add additional funds to pay down on her payment plan, which she made on 1/15/2015. On 1/28/2015 [redacted] called in to extend her due date of 1/30/2015 to 2/2/2015 at that time she would pay the loan off. That payment declined. On the following dates we attempted to contact [redacted] to set up a payment plan for repayment 3/9/2015, 3/20/2015, 3/31/2015, 4/7/2015, 4/8/2015, 4/13/2015 and 4/15/2015, she did not answer any of the calls or respond to any messages left.
On 4/16/2015 a letter of revoking our ACH privileges also stating that products offered by Target Cash Now were not a legal in the state of California.
Our customer service department is always available to answer any questions about our company, our financial products and repayment terms and options with customers.
On 4/27/2015, a seven day letter of demand was sent by email to [redacted], there was no response by her.
On 2/20/2016 [redacted]’s account was sent to an outside collections agency.
As we do sympathize with [redacted]’s situation, we were not given the opportunity to assist her in this matter.
Thank you for the opportunity to address the concerns of this customer.
Compliance Officer
Revdex.com
[redacted] [redacted] [redacted]
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thank you for providing us with the opportunity
to address this customer’s concerns. We do understand that our consumers would
like to have access online to review payments made. On the first page of the
loan agreement the payment schedule is provided. If there are any concerns or
if the consumer would like to pay down on their principal balance or pay off the
balance they can always call in to speak with someone from our customer service
department.
An email explaining this along with a copy of
payments made and her loan documents have been attached. [redacted] is
welcomed to call in and speak with the Collections Supervisor if she has any
questions or concerns.
Thank you again for providing us an opportunity
to address the concerns of our customer.
Compliance
Revdex.com
[redacted]
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thanks for the Revdex.com letter dated February 22,
2016 with regard to a complaint received from one of our customers; we are
committed to providing customers with the highest level of service.
As per [redacted]t’s conversation with our
Resolution Representative, she may call in to set up payment dates for the
arrangement discussed.
Thank you again for bringing this matter to our
attention and allowing us the opportunity to resolve this with the customer.
Sincerely,
Compliance Officer
Revdex.com
[redacted]
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thank you for providing us with the opportunity to address
this customer’s concerns. As a repeat customer, [redacted] is aware of the
repayment...
terms and conditions surrounding her consumer loan as outlined in her
signed consumer loan agreement and on our website. Furthermore, we have a
trained staff of customer care specialists ready to answer any customer
questions that [redacted] may have. We also work with our customers to
amend their payment schedule if they are dissatisfied with their current repayment
plan. At this time, although this customer has only made a partial repayment of
her loan based on the loan terms, we will stop all future ACH payments and [redacted] may call in and speak with a member of our
resolution team for a repayment plan.
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received, your complaint will be closed Administratively Resolved]
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.
54-4-52.
License required. No person may engage in the business of lending money without
a license. A violation of this section is a Class 1 misdemeanor.
Source:SL
1998, ch 280, § 17.
This company does not have a license to lend monies in the State of South Dakota. I want them to leave me alone and send a written statement that I owe them no monies and I will drop this matter. You as the Better Business Burea know this is not right for them to be lending in a State they are not licensed in.
Regards,
[redacted]t
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received, your complaint will be closed Administratively Resolved]
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.This company did lend money in a state they are not legally licensed to lend according to State Banking laws by South Dakota. I have been asked to inquire that this company sends me a statement that this account is paid in full.
Regards,
[redacted]t
Revdex.com
152 S Jefferson St
Suite # 200
Spokane, WA 99201
Re: Revdex.com Assigned ID [redacted]
Dear [redacted],
Thank you for providing us with the opportunity to address this consumer’s concerns. We have researched the claims of [redacted] and have found them to...
be the inquiries she has submitted to various companies requesting financial services. Her application was referred to our company several times but were rejected and never became part of our database to be contacted.
We do apologize for any issues this may have caused.
Thank you for the opportunity to address the concerns of this consumer.
Compliance Officer
Revdex.com
152 S Jefferson St
Suite # 200
Spokane, WA 99201
Re: Revdex.com Assigned ID [redacted]
Dear [redacted]
Thank you for providing us with the opportunity to address this customer’s concerns. On March 22, 2016 [redacted] spoke with one of our representatives...
to verify the information on her loan application (General profile information, Employment, Banking and References). Located on the first page of the loan application is a full disclosure of the loan rates for the dollar amount requested and the payment schedule. The payment schedule is also repeated again on page eight of the loan application. Upon the completion of the verification process to correct any erroneous items, she was given the terms and conditions of repayment of her loan. These items are available for review during the signing of the loan contract.
If there are any questions regarding the repayment terms of the loan contract customers are always welcome to contact Customer Service.
Thank you for the opportunity to address the concerns of this customer.
Compliance Officer
[A default letter is provided here which indicates your acceptance of the business' 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,
[redacted]
Complaint: [redacted]I am rejecting this response because:Sincerely,[redacted]