Those Floor Guys

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.
Just to clarify, I was given the correct payoff amountThe person who processed the payment (looks like initials of **) posted my payment of $as $I told *** that I paid $120.08, the check clearly said $120.08, and cleared my bank for $She kept insisting it posted for $and left a balanceShe would not listen to me when I told her I could send a copy of the cancelled check to show it cleared for the $If she would have listened, I would not have had to waste minutes of my time and gas driving to pay something I did not owe in the first place*** needs to learn that the people in her office are human and make mistakesWe could have cleared this up with a simple fax or emailAn apology would have been nice for all the trouble this caused for me
Regards, *** ***

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.
Regards,*** ***

Re: Complaint ID: *** Dear Ms***: 11px">I am writing in reply to the complaint that you filed with the Revdex.com (“Revdex.com”) dated August 27, Thank you for taking the time to provide feedback to Regional Finance Corporation of Tennessee (“Regional”)At Regional we value our customer experience and always welcome any questions or concerns. In your complaint, you stated that Regional representatives have contacted you at your home because you were listed as a reference for another individualRegional abides by all applicable laws and regulations in our efforts to communicate with our customers and references and always honors requests to cease contact. Pursuant to your request, we have removed your contact information from our recordsTherefore, you will not receive any future communication from Regional. At Regional, we strive to provide quality financial services with the utmost customer careIf you have any further questions or concerns, please do not hesitate to contact me at 864*** or ***
Sincerely, *** ** *** Jr. Regulatory and Consumer Relations Manager

*** * *** Via Electronic Upload ">Re: Complaint ID: *** Dear Mr***: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated December 30, Please accept this letter as the response of Regional Finance Corporation of Texas (“Regional”)At Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you state that Regional continues to harass you and your family about not paying your loan payment on timeYou explain that you are experiencing financial hardship and you cannot pay according to the agreementYou state that it is not your intention to back out of paying your debtYou request that Regional be more patient about receiving your payment timely. District Supervisor, Keith M***, has been in contact with you to resolve your complaint, and you indicated that were satisfied with the resultsYour loan was renewed on January 4, 2017. Sincerely, Dawn L*** Regulatory and Consumer Relations Analyst

Re: Complaint ID: [redacted]
Dear Ms[redacted]:
"">I am writing in response to the complaint that you filed with the Revdex.com ("Revdex.com") dated April 8, Please accept this letter as the response of Regional Finance Corporation of [redacted] ("Regional")At Regional, we truly value our customers' satisfaction and will work toward the resolution of any issues. In your complaint you state that your personal loan information has been discussed with your family members even after you have asked that your loan not be discussed with your familyAlso, you state that you were supposed to have spoken with [redacted] multiple times, but you have not heard from him. You are correct; your loan information was discussed with your husband when he made a payment toward your accountWe would like to apologize for any inconvenience experienced regarding this matterAdditionally, [redacted] has informed me that he has spoken with you and apologized for the confusion with your account. If I can be of further assistance, please do not hesitate to contact me directly at 864-[redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst

Re: Compliant ID: [redacted]
Dear Mr[redacted]:
"">Thank you for the opportunity to respond to the complaint you filed with the Revdex.com on January 30, 2015, against Regional Finance Corporation of Texas ("Regional"). Your complaint states while you were in the branch attempting to obtain information about your loan, the staff were rude and became aggressive when you asked for the Regional office numberYou went outside to call 911, at which point you state an employee threw your phone and wallet on the pavement. Regional would like to assure you we take these allegations very seriously and conducted our own investigationOur investigation revealed that the branch employees assisted with your inquiry; however, in the process of providing you with theinformation requested, you left the store dissatisfied stating you were calling 911. A branch employee noticed you had left a second phone and your card holder in the branchBased on the investigation we learned that the employee attempted to hand you your wallet and cardholder, which was then placed outside next to where you were standingRegional apologizes for any miscommunication or misunderstanding that may have occurred during your visit to the branch. We thank you for your business and for reaching out to us with your concernsAt Regional, we strive to provide useful, accessible, easily understood financial products that serve our customers' evolving needs and support their long-term financialwellbeingWe believe that open and frequent communication with our customers is importantWe encourage you to contact us with any questions or concerns you may have in the futureIt's our goal to provide our customers with premier customer service and quality loan products. Sincerely, [redacted] [redacted] Regulatory and Consumer Relations Manager Regional Finance Corporation of Texas CC: [redacted] Revdex.com

font-family: Verdana;">Re: Compliant ID: [redacted] Dear Ms. [redacted]: Thank you for the opportunity to respond to the complaint you filed with the Revdex.com on February 10, 2015, against Regional Finance Corporation of [redacted] (“Regional”). According to your complaint, you experienced inappropriate behavior from branch staff after requesting a copy of your loan documents. Upon receipt of your complaint, Regional's direct supervisor called to address your concerns, apologizing for any lack of courtesy you may have experienced and retraining branch employees to better serve customers. Per your request, a copy of your loandocuments was mailed to your home on February 12, 2015. We apologize for any inconvenience. We thank you for your business and for reaching out to us with your concerns. At Regional, we strive to provide useful, accessible, easily understood financial products that serve our customers’ evolving needs and support their long-term financialwellbeing. We believe that open and frequent communication with our customers is important. We encourage you to contact us with any questions or concerns you may have in the future. It’s our goal to provide our customers with premier customer service and quality loan products. Sincerely, [redacted] 
[redacted] Regulatory and Consumer Relations Manager Regional Finance Corporation of [redacted]. CC: [redacted] Revdex.com

Re: Complaint ID: [redacted] Dear Ms. [redacted]:  11px; font-family: Verdana;">I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated August 11, 2016. Please accept this letter as the response of Regional Finance Corporation of North Carolina (“Regional”). At Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you state that Regional fraudulently pulled your credit report without your permission. You request that the inquiry be removed. Please be advised that when you submit an online application for credit you must first authorize Regional to make a credit inquiry. Please see the bottom of the enclosed application that you submitted to Regional on August 8, 2016, which states you authorize Regional to make whatever credit inquiries it deems necessary in connection with the attached application for credit. Regional did not pull your credit without authorization, therefore, the credit inquiry appearing on your credit report will not be removed. If I can be of further assistance, please do not hesitate to contact me directly at [redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst

Re: Complaint ID: [redacted]
Dear Mr. [redacted]: Thank you for the opportunity to respond to the complaint you filed with the Revdex.com on December 30, 2014 against Regional Finance Corporation of North Carolina (“RFC”), compliant number: [redacted]. Your...

complaint indicates you were being harassed during a grace period. Your account became delinquent, therefore Regional Finance attempted to contact you to discuss the best way to help you to bring your loan account current. RFC has since marked your file to contact you via the postal service. We believe that open and frequent communication with our customers is important. We encourage you to contact your local branch with any questions and concerns you may have in the future. If you have any questions do not hesitate to contact me at (864) [redacted] or [redacted]
Sincerely, [redacted]Regulatory and Consumer Relations Manager Regional Finance Corporation of North Carolina

Never again will I use this company

Ms. [redacted] Revdex.com 
11px; font-family: Verdana;">Via Electronic Upload Re: Compliant ID: [redacted] 
Dear Ms. [redacted]: Thank you for the opportunity to respond to the complaint you filed with the Revdex.com on February 12, 2015, against Regional Finance Corporation (“Regional”) of Texas. According to your complaint, Regional mailed a check to your previous address which was fraudulently cashed in your maiden name. This caused your credit score to be adversely affected. On December 8, 2014 you mailed the branch a copy of a fraud affidavit regarding the fraudulent check. Subsequently, the branch contacted you to request the original fraud affidavit and a copy of your driver’s license. On February 12, 2015 you corresponded with the branch manager, who informed you Regional had not received the original documentation. Upon receipt of the requested documents on February 13, Regional`s District Supervisor called to inform you that the account in your maiden name had been deleted from the credit bureaus. We apologize for any inconvenience you may have experienced. We thank you for your business and for reaching out to us with your concerns. At Regional, we strive to provide useful, accessible, easily understood financial products that serve our customers’ evolving needs and support their long-term financial wellbeing. We believe that open and frequent communication with our customers is important. We encourage you to contact us with any questions or concerns you may have in the future. It’s our goal to provide our customers with premier customer service and quality loan products. Sincerely, [redacted] Regulatory and Consumer Relations Manager Regional Finance Corporation of Texas CC: [redacted] Revdex.com

Re: Compliant ID: [redacted] 
Verdana;">Dear Mr. [redacted]: Thank you for the opportunity to respond to the complaint you filed with the Revdex.com on January 08, 2014, against Regional Finance Corporation (“RFC”) of South Carolina. Your complaint states Regional Finance calls you multiple times per day and the manager leaves rude messages. Regional Finance would like to assure you we take these allegations very seriously and conducted our own inquiry. We did not uncover evidence of improper actions by the employees. Please note, we attempted to contact you to discuss the best way to help you to bring your loan account current. You also mentioned RFC does not send out notices in the mail. The branch has previously mailed past due notices to your place of residence. Regional Finance will no longer contact your references, and honor your request to reduce the frequency of calls placed to you. Regional Finance apologizes for any miscommunication you may have experienced. We truly understand when our customers need clarification and assistance on their loans. We believe that open and frequent communication with our customers is important. We encourage you to contact your local branch with any questions and concerns you may have in the future. Regional Finance strives to treat all of our customers with the upmost respect while providing premier customer service and quality loan products. If you have any questions do not hesitate to contact me at (864) [redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Manager Regional Finance Corporation of South Carolina CC: [redacted] Revdex.com

Re: Complaint ID: [redacted] Dear Mr. [redacted]: I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated December 27, 2016. Please accept this letter as the response of Regional Finance Corporation of Texas (“Regional”). In your complaint you state that when you applied for a loan at Regional you advised the representative that you had never used your credit, and the representative proceeded to pull your credit. You explain that the representative knew, without established credit, Regional would not approve your loan, but pulled your credit anyway. You state that if the representative knew that you would be turned down, then she should have turned you down initially without pulling your credit. Please be advised that your credit was pulled in error. The branch should not have pulled your credit since you did not sign the Credit Application. Regional is currently working with Equifax to request that the inquiry be removed from your credit report. However, we cannot guarantee that Equifax will comply with our request. We will send a follow-up letter advising of the outcome of our request to Equifax. Sincerely, Dawn L[redacted] Regulatory and Consumer Relations Analyst

Dear Ms. [redacted]: I am writing in response to the complaint that you filed...

with the Revdex.com (“Revdex.com”) dated April 15, 2016. Please accept this letter as the response of Regional Finance Corporation of Texas (“Regional”). At Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you state that you have requested on several occasions that [redacted] from Regional stop contacting your place of business. Also, you explain that [redacted] disclosed your personal information to a third party and threatened a third party. When accounts become past due, our employees are trained to contact customers to help them bring their delinquent accounts current. Regional abides by all applicable laws and regulations in our efforts to communicate with our customers and always honors requests to cease contacting a customer regarding a debt. We have no record of a [redacted] or of calling your place of employment after March 17, 2016, when you requested no more phone calls to your employer. Going forward you will only be contacted by [redacted], the branch manager. Additionally, Regional prides itself on quality customer service. Complaints such as these are taken seriously. After a thorough investigation into the matter Regional does not find any evidence to substantiate your allegations that account information was shared with a third party or that a third party was threatened. If I can be of further assistance, please do not hesitate to contact me directly at 864-[redacted] or [redacted].com. Sincerely, Dawn Loflin Regulatory and Consumer Relations Analyst

I was not implying for the Revdex.com to tell a company how to conduct their business.  It was indicated in my email that it was sent to the wrong complaint office for Regions bank. My complaint is for Regional Finance and it should be sent to their corporate office.

background-color: transparent;">[redacted]
[redacted] Court
[redacted], TX 75052
This loan in question is a loan with pre-computed interest which follows the rule of 78's regarding interest calculation. This type of-interest calculation is typical on small loans and regulated by the State of Texas - Office of Consumer Credit Commissioner.
The loan in question was for $1,300 and was opened on 12/10/13 and was paid in full on 2/21/14. The term of the loan was 15 months. .
The total pre-computed" finance charge on the loan for the full 15 month term would have been $584.95.
The loan was paid in full in the 3rd billing cycle, so there were 3 billing cycles where interest charges were assessed. .
- The first month interest charge was 15/120 of total pre-computed interest on the loan which equated-to $73.12 .interest charge in the first month.
- The 2nd month interest charge was 14/ 120 of the $584.12 total pre-computed interest on the loan which equated to $68.24 interest charge in the 2nd month
- The 3rd month interest charge was 13/120 of the $584.12 total pre-computed interest on the loan which equated to $63.37 interest charge in the 3rd month.
- The $100 acquisition charge was earned in the 1st month.
Total Charges Assessed: $304.73 
[redacted] made $140 payment on 1/3/14, $140 payment on 2/5/14 and a $1,324.73 payment on 2/21/14 for total of $1,604.73. [redacted] originally borrowed $1,300, so with the total of $1604.73 - $1,300 borrowed = $304.73 in total charges assessed.
We truly understand when our customers need clarification and assistance on their loans, and we try our upmost to uphold customer satisfaction. On behalf of Regional-Finance Corporation of Texas, If there is anything we can do to answer any more of your concerns; please do not hesitate to contact [redacted] at [redacted].
Sincerely,
[redacted] / I Vice President Compliance and Regulatory-Affairs Regional Finance Corporation of Texas Regional Management Corp.

Re: Compliant ID: [redacted] Dear Ms. [redacted]:  11px; font-family: Verdana;">I am writing in response to the complaint that you filed with the Revdex.com (“Revdex.com”) dated March 17, 2016. Please accept this letter as the response of Regional Finance Corporation of South Carolina (“Regional”). At Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you stated that you have had difficulty paying off your account because every time you make a payment there is additional interest, so the branch returns your checks to you. Interest accrues daily on your account, but we will accept a final payment of $130.40 if you will pay the branch before the end of the month. We appreciate your willingness to pay your account. We apologize for any inconvenience you may have experienced regarding this matter. If I can be of further assistance, please do not hesitate to contact me directly at the home office at 864-[redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst

Re: Compliant ID: [redacted] 
Verdana;">Dear Ms. [redacted]: Thank you for the opportunity to respond to the complaint you filed with the Revdex.com on January 23, 2015, against Regional Finance Corporation (“RFC”) of Texas. Your complaint states you paid off your account in full on December 05, 2014, and subsequently RFC contacted you regarding an outstanding balance. You mentioned RFC had provided you the inaccurate payoff amount, causing you to pay a remaining balance of $13.28 which included a late fee. Per your request, RFC has mailed a refund check to you in the amount of $13.28 and your account reflects a zero balance. RFC apologizes for any confusion you may have experienced. We truly understand when our customers need clarification and assistance on their loans. We believe that open and frequent communication with our customers is important. We encourage you to contact your local branch with any questions and concerns you may have in the future. Regional Finance strives to treatall of our customers with the utmost respect while providing premier customer service and quality loan products. Sincerely, 
[redacted] Regulatory and Consumer Relations Manager Regional Finance Corporation of South Carolina Revdex.com

Dear Ms. [redacted]: Thank you for the opportunity to respond to the complaint you...

filed with the Revdex.com on March 12, 2015, against Regional Finance Corporation of Texas (“Regional”). According to your complaint, an account has been fraudulently opened in your name. Upon receipt of your complaint, an investigation was conducted. The district supervisor contacted you to provide an affidavit of forgery that would need to be completed in order to process the fraudulent claim. Once Regional receives the completed affidavit from you, we will contact the bank. Please note, it can take up to 90 days for the bank to complete their investigation of your case. The district supervisor will contact you once this process is complete. Regional apologizes for any inconvenience you have experienced. We thank you for reaching out to us with your concerns. We encourage you to contact us with any questions or concerns you may have in the future. Sincerely, [redacted] Regulatory and Consumer Relations Manager Regional Finance Corporation of Texas

Dear Ms. [redacted]: I am writing in reply to the complaint that you filed with the...

Revdex.com (“Revdex.com”) dated December 31, 2015. Please accept this letter as the response of Regional Finance Corporation of North Carolina (“Regional”). At Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues. In your complaint you stated that Regional rejected your payment that you placed in the drop box on December 18, 2015, which made you 3 months behind. You also alleged that Regional discriminated against you by intentionally not applying your payment to cause more negative credit reporting and in order to threaten to take you to court. The payment was denied because it would not have brought the account current. However, if you would re-submit the payment to the [redacted] branch they have been instructed to apply the full payment towards your account and apply it with a payment date of December 18, 2015. Additionally, Regional prides itself on quality customer service. Complaints such as these are taken seriously. After a thorough investigation into the matter Regional does not find any evidence to substantiate your allegation of discrimination. Regional maintains strict policies and procedures to prevent discrimination of any kind. If I can be of further assistance, please do not hesitate to contact me directly at 864-[redacted] or [redacted].com. Sincerely, [redacted] Regulatory and Consumer Relations Analyst