The Cash Store

Cottonwood Financial Wisconsin, LLC d/b/a The Cash Store (hereinafter referred to as “Cottonwood”) is in receipt of correspondence from your office that was received on August 24, regarding a complaint submitted by Ms [redacted] In her complaint, Ms [redacted] claims that she had a payment plan set in place with Cottonwood, however her account was forwarded to a third party collection agencyCottonwood has reviewed Ms [redacted] ’s account and offers the following response: On December 11, Ms [redacted] entered into a loan agreement with Cottonwood and borrowed a principal amount $1,The loan terms and conditions were explained to Ms [redacted] at the time of loan origination; the payment schedule of her loan was printed on the first page of her loan agreementA copy was provided to Ms [redacted] for her records after she reviewed and signedMs [redacted] provided Cottonwood with authorization to debit Ms [redacted] ’s checking account, initiate a charge against her debit card, or produce a remotely created check for the amount of her payment by reviewing and signing the Payment Authorization form Ms [redacted] ’s first scheduled payment was due January 1, 2016; the payment was attempted via automated clearinghouse (“ACH”) however it was returned on January 6, Ms [redacted] ’s second scheduled payment was due on January 31, 2016; the payment was attempted via ACH however it was returned February 2, Due to non-payment Ms [redacted] ’s account went into debt statusPer Cottonwood’s collection process, when a customer’s account is in debt status, Cottonwood will call the customer to make him/her aware of the debt and to offer options so that the customer may return to Preferred Customer StatusThe store attempted to get Ms [redacted] ’s account in good standing but was unsuccessful; her account was then forwarded to Cottonwood’s internal collections department on February 27, Cottonwood’s internal collections department attempted to reach Ms [redacted] and offer repayment options; however Cottonwood received a letter from Ms [redacted] requesting Cottonwood cease communication, for which Cottonwood compliedOn March 2, Ms [redacted] called Cottonwood’s internal collections department and was able to set up a payment plan that was mutually beneficial to both partiesThe payment plan comprised of five separate payments that would be due on the following dates: March 7, March 18, April 1, April 15, and April Cottonwood mailed letters to Ms [redacted] confirming these dates and payment amountsMs [redacted] made her first and second payments on her payment plan successfully; however Ms [redacted] failed to make her third payment that was due on April Subsequently her account was forwarded to a third party collections agency, Kohn Law Firm (“KLF”), on April 6, Cottonwood reached out to KLF to inquire about the claims in Ms [redacted] ’s complaintPer KLF, Ms [redacted] was able to set up a mutually beneficial repayment plan with KLF, which consisted of six GATEWAY DRIVE, SUITE 200, IRVING, TX PHONE: (972) 753-0822, FA X: (972) 692-COTTONWOOD FINANCIAL payments that would be due on the following dates: April 15, May 2, June 2, July 5, August 2, and September Ms [redacted] made her first and second payments on her payment plan successfully; however KLF received correspondence from Ms [redacted] on May stating that she would not be able to make the full amount for her third payment in June and that she would need to make arrangements for a lesser amountMs [redacted] did not specify an amount that she wished to pay; KLF proceeded to make courtesy calls until June to discuss payment arrangements but unfortunately was not able to reach herSubsequently KLF cancelled the remaining payment dates due to Ms [redacted] ’s email stating she could not pay the agreed-upon amount, and proceeded with the lawsuit Per KLF, Ms [redacted] ’s response to the lawsuit was email correspondence received by KLF on July 22, stating that she intended on filing bankruptcy and retained an attorney whom all communication should be directed toKLF attempted to contact Ms [redacted] ’s attorney on July 25; a voicemail was left with a request to verify the attorney as Ms [redacted] ’s representationKLF was able to reach Ms [redacted] ’s attorney and verify representation on July 28, however Ms [redacted] ’s attorney stated that she had not filed bankruptcy as of that date Cottonwood appreciates the opportunity to address and resolve your concernsPursuant to Ms [redacted] ’s request that all communication be directed to her attorney, we suggest that Ms [redacted] ’s attorney directly contact Kohn Law Firm for further information regarding Ms [redacted] ’s accountIf you have any questions regarding this response, please contact me via email at [email protected] Sincerely, [redacted] Compliance Clerk Cottonwood Financial Wisconsin, LLC

Beautifully built home! I can't say enough good things about our new house that was built by Fitzhugh ConstructionA lot of time and thought went into building this homeFrom the energy efficiency to all the detail that was put into the high end trim work of this home every detail was thought of! Having owned a fixer upper in the passed it was so nice to walk into this house and see everything done right from the framing to the wiring and plumbingThis builder was extremely easy to work withCommunication from our realtor to him got any and all concerns addressed and after we closed he made sure the house was neat as a pin from previous foot traffic and that we had extra paint on hand for wall touch ups cause he knew we had furniture coming in and would probably need some for wall touch upsI could go on and on with my positives of working with this builder but will wrap this up and say if you are considering building call this builder first! You won't be disappointed! Very pleased here in Bryant AR!

Last spring I called Noah's Plumbing for an estimate They set up a time for the next day I waited until noon and they never showed up I called and left s message No call back I called at least dozen times via phone and text for two days I never did receive s response I was terribly upset because we are snowbirds and had plans to head back north I ended up finding another contractor (Alexanders Plumbing) and they came within hours and had my leak repaired in minutes All of this was on a Friday night!!!!! They are the best Noah's Plumbing sucks

RE: *** *** Case No*** Dear Ms***, Cottonwood Financial Idaho, LLC d/b/a The Cash Store (hereinafter referred to as "Cottonwood") is in receipt of correspondence from the Revdex.com ("Revdex.com") dated April 12, regarding a consumer complaint filed by Ms***
***In her complaint, Ms*** stated she received an unlawful call on a Sunday regarding her loan balance with CottonwoodMs*** requests that all calls stopCottonwood has reviewed the file and offers the following response: On December 30, Ms*** entered into an ACH-secured installment cash advance loan with Cottonwood for a principal amount of $She was informed of the loan terms and conditions at the time of the loan, and was also provided a copy for her records after she reviewed and signed themMs*** scheduled payment due was attempted via automated clearing house ("ACH") on March 15, but was returned due to her account being closed; her account subsequently went into debt status on March 21,Per Cottonwood's collection process, when a loan is defaulted on, Cottonwood will call the customer to make him/her aware of the debt and to offer options so that the customer may return to Preferred Customer StatusBeginning March until April 4, the store attempted to get Ms*** account in good standing but was unsuccessful; her account was then forwarded to Cottonwood's internal collection departmentAlthough Cottonwood is not recognized as a debt collector because it collects its own debts using Cottonwood's name, and not another name to indicate a third person is collecting on behalf of Cottonwood, Cottonwood abides by the principles prescribed by the Fair Debt Collection Practices Act ("FDCPA") and all employees are trained to comply with the FDCPAMs*** stated in her complaint that she received a call on a Sunday, which she claimed is unlawfulCottonwood respectfully disagrees: per section of the FDCPA, a debt collector "shall assume that the convenient time for communicating with a consumer is after o'clock antemeridian and before o'clock postmeridian, local time at the consumer's location"No explicit restriction exists regarding what days of the week a debt collector may contact consumers until the consumer informs the debt collector that it is inconvenientAfter researching the call log for Ms***, it was found that Cottonwood placed a call at 8:PM Central Time zone, equating to 7:PM Mountain Time zone, on Sunday, April I No prior notice was given to Cottonwood by Ms*** that phone calls placed on Sundays would be inconvenient; therefore Cottonwood complied with FDCPA regulationsCottonwood will honor Ms*** request to cease all phone callsPlease note that Ms*** is still responsible for repayment of her loan to CottonwoodThe loan agreement signed by Ms*** is still in force and she remains contractually obligated to satisfy the outstanding balanceIf you have any questions or need additional information, please contact me via email at ***@cottonwoodfinancial.comBest regards, Liliana R*** Compliance Clerk Cottonwood Financial Idaho, LLC

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
There have been numerous phone calls to my home phone since the initital complaintStaff have obviously not been following instructions to NOT contact *** *** at *** or ***At this time, I do not have a phone number for their client
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

After days trying to fix my toilet myself *** of Noah's Plumbing arrived and had it fixed in half an hourNo more wobbly toilet and it now flushes correctlyThanks for coming to the rescue!

Cottonwood Financial Wisconsin, LLC d/b/a The Cash Store ("Cottonwood") is in receipt of correspondence from the Revdex.com ("Revdex.com") of Wisconsin dated July 24, regarding acomplaint filed by Mr*** ***He is claiming that he obtained a loan with Cottonwood and
has had several debits from his personal accoult that have caused him to incur overdraft chargesHe states that he spoke to a Cottonwood employee and was told that the debits were to occur at our own discretion.Cottonwood has investigated Mr*** claims and offers the following response: Cottonwood confirms that Mr*** began an online application to obtain a loan with Cottonwood; however Mr*** did not obtain a loan from CottonwoodAfter speaking to the store employees Cottonwood confinns that Mr*** did not physically visit the store location to finalize the loanIn the event that a loan would have been disbursed, Cottonwood's policy is to obtain a voided check from each customer and will only debit the account if the customer acknowledges and signs the Payment Authorization Form.Cottonwood has no records of a loan ever being disbursed to Mr*** and will not be reinstating Mr*** of any monies from fees he has incurred from overdraft chargesThank you for the opportunity to respond and address your concerns, Cottonwood is committed to meeting or exceeding all requirements of the State of WisconsinIf you have any questions, or anyadditional information needed, please do not hesitate to contact me at *** *** extor via email at ***Best regards,Cottonwood Finandal Wisconsin, LLC

Cottonwood Financial Wisconsin,
LLC d/b/a The Cash Store (“Cottonwood”) is in receipt of correspondence from
the Revdex.com (“Revdex.com”) of Wisconsin dated June 3,
regarding a
complaint filed by Mr*** ***According to Mr*** he is upset about
falling behind on his loan due to an employee error of not posting a mailed
money order on timely basis to his account and subsequently causing him to
accrue interest of which he did not send a payment for
Cottonwood has reviewed Mr***’s
account and offers the following response:
Mr*** confirms that he visited
our store location in February to obtain a loan that he later refinanced on
March 24, 2015. After Cottonwood’s
employee explained the terms of the agreement and Mr*** signed the
documents and a copy of the contract was provided to Mr*** for his review
On May 18, Mr***
informed Cottonwood that he would not be able to make his second payment due on
May 19, however he promised to pay on May 23, 2015, the Cottonwood store
employee made a note of Mr***’s promise to pay onto his account and followed
up with a courtesy call on May 22, to remind him of his promise to come in
and make his payment, Mr*** informed Cottonwood’s store employee that he
had mailed out a money order in the full amount to cover any accrued interest
up until May 23, plus the regularly scheduled paymentPer Cottonwood’s
records the money order was not received until May 27, and posted that
same dayOn June 2, Cottonwood’s store employee spoke with Mr***
regarding his account having an outstanding amount in interest due and
explained to him that the money order he mailed was not received until May 27,
Store employees place courtesy calls to remind customers of their
upcoming payments and not to confirm the receipt of payments via postal mail
Cottonwood will not be reversing
any interest accrual he has requested from the dates of May 27th to
June 6th
Thank you for the opportunity to
respond and address your concerns, Cottonwood is committed to meeting or
exceeding all requirements of the State of WisconsinIf you have any
questions, or any additional information needed, please do not hesitate to
contact me at *** *** extor via email at
***
Best regards,
Cottonwood Financial Wisconsin,
LLC

Cottonwood Financial Wisconsin, LLC d/b/a The Cash Store (hereinafter referred to as “Cottonwood”) is in receipt of correspondence from the Revdex.com of Wisconsin dated September 14, 2014, regarding a consumer complaint filed by *** ** ***In the complaint
This complaint was also received on August 27, and Cottonwood replied via first class mail to this case on September 3,
Please accept the attached letter as a second submission of Cottonwood’s response
Cottonwood Financial Wisconsin, LLC
d/b/a The Cash Store (hereinafter referred to as “Cottonwood”) is in receipt of
correspondence from the Revdex.com of Wisconsin dated August 27,
2014, regarding a consumer complaint filed by *** ** ***In the
complaint Ms*** is upset about the number of calls she has received from
Cottonwood in attempt to contact her son
Cottonwood investigated the matter
and has determined the following:
In an attempt to collect a debt,
Cottonwood reached out to the phone number provided by the customer with no
knowledge that the owner of the phone was not the customer himself
Cottonwood apologizes for any
inconvenience Ms*** may have endured; Cottonwood has applied a notice to
the account to no longer contact the phone numbers listed on Ms*** complaint
Thank you for the opportunity to
respond and address your concerns, Cottonwood is committed to meeting or
exceeding all requirements of the State of WisconsinWe hope that we have
evidenced that commitment with our immediate response to your concernsIf you
have any questions, or any additional information needed, please do not
hesitate to contact me at *** *** extor via email at ***
Best regards,
*** ***
Compliance Clerk
Cottonwood Financial Wisconsin, LLC

Absolutely non-responsive. I called a week prior to the date I wanted to have the company come out to provide me a plumbing estimate. The initial interaction was positive, with the person on the phone being happy and cheerful. The appointment was set, and then the day arrived. The representative did not show up as scheduled. I called to check on what was happening and they said they'd check and call me right back. They didn't call back! I called two more times in a short time period trying to determine if they were going to provide the estimate. I ended up leaving a message, and they didn't bother to return the call. My recommendation - select another firm that is committed to customer service. Noah's Plumbing certainly isn't.

Cottonwood Financial Wisconsin, LLC d/b/a The Cash Store (hereinafter referred to as “Cottonwood”) is in receipt of correspondence from your office that was received on August 24, 2016 regarding a complaint submitted by Ms. [redacted] In her complaint, Ms. [redacted] claims that she had a payment...

plan set in place with Cottonwood, however her account was forwarded to a third party collection agency. Cottonwood has reviewed Ms. [redacted]’s account and offers the following response: On December 11, 2015 Ms. [redacted] entered into a loan agreement with Cottonwood and borrowed a principal amount $1,596.51. The loan terms and conditions were explained to Ms. [redacted] at the time of loan origination; the payment schedule of her loan was printed on the first page of her loan agreement. A copy was provided to Ms. [redacted] for her records after she reviewed and signed. Ms. [redacted] provided Cottonwood with authorization to debit Ms. [redacted]’s checking account, initiate a charge against her debit card, or produce a remotely created check for the amount of her payment by reviewing and signing the Payment Authorization form. Ms. [redacted]’s first scheduled payment was due January 1, 2016; the payment was attempted via automated clearinghouse (“ACH”) however it was returned on January 6, 2016. Ms. [redacted]’s second scheduled payment was due on January 31, 2016; the payment was attempted via ACH however it was returned February 2, 2016. Due to non-payment Ms. [redacted]’s account went into debt status. Per Cottonwood’s collection process, when a customer’s account is in debt status, Cottonwood will call the customer to make him/her aware of the debt and to offer options so that the customer may return to Preferred Customer Status. The store attempted to get Ms. [redacted]’s account in good standing but was unsuccessful; her account was then forwarded to Cottonwood’s internal collections department on February 27, 2016. Cottonwood’s internal collections department attempted to reach Ms. [redacted] and offer repayment options; however Cottonwood received a letter from Ms. [redacted] requesting Cottonwood cease communication, for which Cottonwood complied. On March 2, 2016 Ms. [redacted] called Cottonwood’s internal collections department and was able to set up a payment plan that was mutually beneficial to both parties. The payment plan comprised of five separate payments that would be due on the following dates: March 7, March 18, April 1, April 15, and April 29. Cottonwood mailed letters to Ms. [redacted] confirming these dates and payment amounts. Ms. [redacted] made her first and second payments on her payment plan successfully; however Ms. [redacted] failed to make her third payment that was due on April 1. Subsequently her account was forwarded to a third party collections agency, Kohn Law Firm (“KLF”), on April 6, 2016. Cottonwood reached out to KLF to inquire about the claims in Ms. [redacted]’s complaint. Per KLF, Ms. [redacted] was able to set up a mutually beneficial repayment plan with KLF, which consisted of six 1901 GATEWAY DRIVE, SUITE 200, IRVING, TX 75038 PHONE: (972) 753-0822, FA X: (972) 692-5317 COTTONWOOD FINANCIAL payments that would be due on the following dates: April 15, May 2, June 2, July 5, August 2, and September 2. Ms. [redacted] made her first and second payments on her payment plan successfully; however KLF received correspondence from Ms. [redacted] on May 27 stating that she would not be able to make the full amount for her third payment in June and that she would need to make arrangements for a lesser amount. Ms. [redacted] did not specify an amount that she wished to pay; KLF proceeded to make courtesy calls until June 10 to discuss payment arrangements but unfortunately was not able to reach her. Subsequently KLF cancelled the remaining payment dates due to Ms. [redacted]’s email stating she could not pay the agreed-upon amount, and proceeded with the lawsuit. Per KLF, Ms. [redacted]’s response to the lawsuit was email correspondence received by KLF on July 22, 2016 stating that she intended on filing bankruptcy and retained an attorney whom all communication should be directed to. KLF attempted to contact Ms. [redacted]’s attorney on July 25; a voicemail was left with a request to verify the attorney as Ms. [redacted]’s representation. KLF was able to reach Ms. [redacted]’s attorney and verify representation on July 28, however Ms. [redacted]’s attorney stated that she had not filed bankruptcy as of that date. Cottonwood appreciates the opportunity to address and resolve your concerns. Pursuant to Ms. [redacted]’s request that all communication be directed to her attorney, we suggest that Ms. [redacted]’s attorney directly contact Kohn Law Firm for further information regarding Ms. [redacted]’s account. If you have any questions regarding this response, please contact me via email at [email protected]. Sincerely, [redacted] Compliance Clerk Cottonwood Financial Wisconsin, LLC

Cottonwood Financial Wisconsin, LLC d/b/a The Cash Store (hereinafter referred to as “Cottonwood”) is in receipt of correspondence from your office that was received on August 24, 2016 regarding a complaint submitted by Ms. [redacted] In her complaint, Ms. [redacted] claims that she had a...

payment plan set in place with Cottonwood, however her account was forwarded to a third party collection agency. Cottonwood has reviewed Ms. [redacted]’s account and offers the following response: On December 11, 2015 Ms. [redacted] entered into a loan agreement with Cottonwood and borrowed a principal amount $1,596.51. The loan terms and conditions were explained to Ms. [redacted] at the time of loan origination; the payment schedule of her loan was printed on the first page of her loan agreement. A copy was provided to Ms. [redacted] for her records after she reviewed and signed. Ms. [redacted] provided Cottonwood with authorization to debit Ms. [redacted]’s checking account, initiate a charge against her debit card, or produce a remotely created check for the amount of her payment by reviewing and signing the Payment Authorization form.
Ms. [redacted]’s first scheduled payment was due January 1, 2016; the payment was attempted via automated clearinghouse (“ACH”) however it was returned on January 6, 2016. Ms. [redacted]’s second scheduled payment was due on January 31, 2016; the payment was attempted via ACH however it was returned February 2, 2016. Due to non-payment Ms. [redacted]’s account went into debt status. Per Cottonwood’s collection process, when a customer’s account is in debt status, Cottonwood will call the customer to make him/her aware of the debt and to offer options so that the customer may return to Preferred Customer Status. The store attempted to get Ms. [redacted]’s account in good standing but was unsuccessful; her account was then forwarded to Cottonwood’s internal collections department on February 27, 2016.
Cottonwood’s internal collections department attempted to reach Ms. [redacted] and offer repayment options; however Cottonwood received a letter from Ms. [redacted] requesting Cottonwood cease communication, for which Cottonwood complied. On March 2, 2016 Ms. [redacted] called Cottonwood’s internal collections department and was able to set up a payment plan that was mutually beneficial to both parties. The payment plan comprised of five separate payments that would be due on the following dates: March 7, March 18, April 1, April 15, and April 29. Cottonwood mailed letters to Ms. [redacted] confirming these dates and payment amounts. Ms. [redacted] made her first and second payments on her payment plan successfully; however Ms. [redacted] failed to make her third payment that was due on April 1. Subsequently her account was forwarded to a third party collections agency, Kohn Law Firm (“KLF”), on April 6, 2016.
Cottonwood reached out to KLF to inquire about the claims in Ms. [redacted]’s complaint. Per KLF, Ms. [redacted] was able to set up a mutually beneficial repayment plan with KLF, which consisted of six 1901 GATEWAY DRIVE, SUITE 200, IRVING, TX 75038 PHONE: (972) 753-0822, FA X: (972) 692-5317 COTTONWOOD FINANCIAL payments that would be due on the following dates: April 15, May 2, June 2, July 5, August 2, and September 2. Ms. [redacted] made her first and second payments on her payment plan successfully; however KLF received correspondence from Ms. [redacted] on May 27 stating that she would not be able to make the full amount for her third payment in June and that she would need to make arrangements for a lesser amount. Ms. [redacted] did not specify an amount that she wished to pay; KLF proceeded to make courtesy calls until June 10 to discuss payment arrangements but unfortunately was not able to reach her. Subsequently KLF cancelled the remaining payment dates due to Ms. [redacted]’s email stating she could not pay the agreed-upon amount, and proceeded with the lawsuit.
Per KLF, Ms. [redacted]’s response to the lawsuit was email correspondence received by KLF on July 22, 2016 stating that she intended on filing bankruptcy and retained an attorney whom all communication should be directed to. KLF attempted to contact Ms. [redacted]’s attorney on July 25; a voicemail was left with a request to verify the attorney as Ms. [redacted]’s representation. KLF was able to reach Ms. [redacted]’s attorney and verify representation on July 28, however Ms. [redacted]’s attorney stated that she had not filed bankruptcy as of that date.
Cottonwood appreciates the opportunity to address and resolve your concerns. Pursuant to Ms. [redacted]’s request that all communication be directed to her attorney, we suggest that Ms. [redacted]’s attorney directly contact Kohn Law Firm for further information regarding Ms. [redacted]’s account. If you have any questions regarding this response, please contact me via email at [email protected].
Sincerely,
[redacted] Compliance Clerk Cottonwood Financial Wisconsin, LLC

Cottonwood Financial Texas, LLC d/b/a The Cash Store ("Cottonwood") is in receipt ofcorrespondence from the Revdex.com ("Revdex.com") dated September 22, 2015 regarding acomplaint filed by Mr. [redacted]. Mr. [redacted] states that he was supposed to receive apromotional rebate however he...

did not receive it despite the fact that he had received twoconfirmati()ns from Cottonwood employees that he would receive his promotional rebate.Atler researching Mr. [redacted]'s account, Cottonwood confirms that Mr. [redacted] enteredinto a loan agreement with Cottonwood on July 2, 2015 for the principal amount of$1,165. Mr.[redacted]'s account was entered into debt status due to non-payment however he then revisitedthe store and paid the loan in full within 3 days from his past due date. At the time of paymentMr. [redacted] became upset because he was informed that he would not receive the promotionalrebate due to the fact that the account failed to remain in good standing.Mr. [redacted] proceeded to contact the corporate office and explained his situation. He spokewith a member from Cottonwood's store operations department who was able to approve andoverride the rebate for Mr. [redacted]. As a courtesy to Mr. [redacted] the issue was rectified andhe received the promotional rebate.Cottonwood appreciates the opportunity to address and resolve your concerns. lf you have anyquestions regarding this response, please contact me directly at [redacted] ext 1188 or viaemail at [redacted]Best regards,[redacted]Cottonwood Financial[redacted]PHONE: (

Complaint: [redacted]I am rejecting this response because: They knew it was not allowed to call on a Sunday. IAm  also on a fixed income to which they were aware at the time. I will not pay a debt  that is NOT OWED..Sincerely,[redacted]

Cottonwood Financial Wisconsin, LLC d/b/a The Cash Store (herein after “Cottonwood”) is in receipt of correspondence from the Revdex.com (“Revdex.com”) dated March 5, 2017 regarding a complaint filed by Ms. [redacted]. In your letter, you stated that there were multiple attempts made by Revdex.com...

to contact Cottonwood regarding the complaint for the Cash Store customer. You have also alleged that Cottonwood made no attempt to resolve the complaint. I have reviewed the Cottonwood’s correspondence with the Revdex.com and could not detect any mail/e-mail received regarding Ms. [redacted] complaint. Nevertheless, the Cash Store #226 was contacted and it was identified that the store employees have achieved a mutual agreement with the customer on February 2, 2017 and the issue was solved. Cottonwood is apologizing for the inconvenience the situation may have caused Revdex.com and is looking forward to collaborating with the Revdex.com in future. Please notify me if you have any questions on the information provided and need any further assistance. Thank you, [redacted]
Compliance | Cottonwood FinancialPh. (972)753-0822 ext. 1119Fax. (972)692-5317

Beautifully built home! I can't say enough good things about our new house that was built by Fitzhugh Construction. A lot of time and thought went into building this home. From the energy efficiency to all the detail that was put into the high end trim work of this home every detail was thought of! Having owned a fixer upper in the passed it was so nice to walk into this house and see everything done right from the framing to the wiring and plumbing. This builder was extremely easy to work with. Communication from our realtor to him got any and all concerns addressed and after we closed he made sure the house was neat as a pin from previous foot traffic and that we had extra paint on hand for wall touch ups cause he knew we had furniture coming in and would probably need some for wall touch ups. I could go on and on with my positives of working with this builder but will wrap this up and say if you are considering building call this builder first! You won't be disappointed! Very pleased here in Bryant AR!

Yes, I continue to receive phone calls from The Cash Store. #ffffff;" />
I was told that their client wrote my number down as a contact. I instructed them that they are not to call at either of the two numbers (my home and my work) as I do not see their client and rarely talk to him as we are estranged. The calls have been continuing regardless of my instructions.

Review: I have a loan out with this place. my loan is due for every other friday, which happens to fall on my payday week. last time I paid this loan in the amount of $120.00 in cash at the establishment. this time around they took the amount out of my banking account without my permission in the amount of $118.00. this was done without my permission or verification. they had my banking info because they needed it when I filled out my loan application, and also assured me that they will only need it to add money to my account if the loan was approved and thats the only reason they need my banking info. the original loan is for $500.00, they said they can take the money out whenever they want, and I said I never agreed to them debiting money out of my account, so they responded back with "i owe them $5,000.00 to pay off the loan, when the original loan was taken exactly one month ago in the amount of $500.00 not $5,000.00!!!! this is a scam, they already took money outy of my account without authorization and i'm afraid they will keep doing it without my approvasl. and because of this unauthorized debit from my account, I have overdraft fees and other bills arent paid, in total because of the unauthorized debit I lost a total of $152.72 in overdraft fees and lost money and bounce check fees. this place is charging way too high interest as well, in the amount of 650%. beware if this scam. the actual address was the east side location . 2030 e. mason st. suite j green bay,wi 54302Desired Settlement: refund in the amount of $152.72, which is my total loses up to date because of the unauthorized debit from my bank account

Business

Response:

Cottonwood Financial Wisconsin, LLC d/b/a The Cash Store ("Cottonwood") is in receipt of correspondence from the Revdex.com ("Revdex.com") of Wisconsin dated July 24, 2015 regarding acomplaint filed by Mr. [redacted]. He is claiming that he obtained a loan with Cottonwood and has had several debits from his personal accoult that have caused him to incur overdraft charges. He states that he spoke to a Cottonwood employee and was told that the debits were to occur at our own discretion.Cottonwood has investigated Mr. [redacted] claims and offers the following response: Cottonwood confirms that Mr. [redacted] began an online application to obtain a loan with Cottonwood; however Mr. [redacted] did not obtain a loan from Cottonwood. After speaking to the store employees Cottonwood confinns that Mr. [redacted] did not physically visit the store location to finalize the loan. In the event that a loan would have been disbursed, Cottonwood's policy is to obtain a voided check from each customer and will only debit the account if the customer acknowledges and signs the Payment Authorization Form.Cottonwood has no records of a loan ever being disbursed to Mr. [redacted] and will not be reinstating Mr. [redacted] of any monies from fees he has incurred from overdraft chargesThank you for the opportunity to respond and address your concerns, Cottonwood is committed to meeting or exceeding all requirements of the State of Wisconsin. If you have any questions, or anyadditional information needed, please do not hesitate to contact me at [redacted] ext. 1188 or via email at [redacted]Best regards,Cottonwood Finandal Wisconsin, LLC

Our company receives a call on a daily basis from representatives with Cottonwood Financial. They only give their first name-[redacted], or [redacted] and always say it is an URGENT call.

We do not take messages for call center employees who may or may not work here. If the call concerns bill collection, please take our business number off your list.

Thank you.