Time Investment Company, Inc.

I am writing in regards to complaint id# ***. I’ve placed an order on the account to only contact Ms*** by email. I’ve also reviewed the account and can confirm that no one has made a phone call to Ms*** since April 13, 2015. We do have a payment plan on file and we are more than willing to continue working with the client to help her bring the accounts up to date. I apologize if there was ever any sort of miscommunication or if Ms*** was ever treated with anything but the utmost respect

I’m writing in regards to complaint id# *** submitted by Ms*** ***. I’ve sent a copy of their transaction history by mail to the address included in the complaint. I would be more than happy to discuss this with the customer if they would like to call me directly at ###-###-####

I am replying in regards to your letter for *** S*We are a separate company from Passanante’s Home Food Service and we were not there at the time of sale when the contract was signed and writtenIf *** is claiming that she did not sign and wants to file suit against Woodrow
for fraud, she can go forth with thatOtherwise, she will have to provide proof that she did not sign the contract since we were not there at the time of sale If she would like to provide us with documentation of her driver’s license with her signature we can look into this matter for herUnfortunately, we cannot remove any information without any type of documentation from her Sincerely, *** ***

I am writing in regards to complaint id# *** that Ms*** *** submitted. The payment that was processed in the amount of $42,was set up online by Ms*** herself, or someone with access to her login information. Time Investment Company, Incemployees do not have
access to a customer’s online account information so it is literally impossible for them to have set this payment up for her. See below for a screenshot of the automated narrative entry that is created any time a payment is made online. It could have been a simple mistake in typing in too many numbers when making the payment but I can assure you that Time Investment Company, Inchas no interest in taking money that is not due for payment on an account. That does not benefit us or the clients we serve. We have been in business for several decades and pride ourselves on our reputation. I would be more than happy to work with Ms*** to bring her account up to date. She can contact me directly at ###-###-#### and we can discuss her options. Sincerely, *** ***Customer Service ManagerTime Investment CoInc###-###-####

After further investigation into Ms*** complaint it was found that Ms*** and her husband signed a legal binding contract on 5/4/with Moore Water Treatment, Inc. Moore Water Treatment, Incand Time Investment Co, Incare two separate companies. The ***’s had
days to cancel the loan which they did notBy signing the contract documents they accepted the responsibility to make on-time monthly payments and to pay for the water system in full. Ms*** stated they were receiving multiple calls several times during the day We do not have an automatic dialing system so therefore are unable to make multiple calls to our customers each dayWe do however get help from Moore Water Treatment, Incon occasion to help with our collection effortsIt is possible that some of the calls were from themWhen an account is set up on an automatic draft we have no reason to call a customer unless there is a problem with the paymentMrs*** stated that she asked to have the automatic draft stopped in Oct of According to our records Mrs*** contacted us in Oct of to set up an automatic draft. At that time we explained that we would only set it up to take the minimum monthly payment unless we received their permission for a different amountWe also cannot set up multiple drafts unless we have the permission of the customer. We have tried to contact the ***’s regarding their account, but they choose not to return our callsWe have stopped all future automatic drafts from the ***’s bank accountWe will however continue to call, send statements, texts, and letters regarding their account with Time Investment Coas we are allowed by lawWe would be happy to work with Ms*** and her husband to bring their account current. All they have to do is contact us and we will help themWe understand their hardship, but they did sign a legal binding contract to make payments on the water system they still are in possession of

A loan was taken with Time Investment for the Hills Home Market for a freezer purchase. Once I reviewed all the figures, the loan was taken out for 300.00 more than the actual paperwork we received. When I brought this to Time Investment's attention, I was asked to forward all the original paperwork to them, and I did. They informed me that they would reach out to the food representative to review. I emailed them twice since then asking for an update or a contact at the food company so I can get this resolved...but have not received a reply. :(

I am writing in response to complaint ID#[redacted] submitted by Ms. [redacted].  After a thorough review of this matter, we have concluded that Ms. [redacted] did not pay the balance in full with interest.  She made payments for 55 months on her revolving account but her balance was...

never paid in full.  In January 2014 Ms. [redacted] reached out to us stating that she was having difficulty continuing to pay due to circumstances beyond her control and we agreed to reduce her interest rate from 17.99% APR to 0.00% so she could pay the remaining balance without accruing any further interest.  After this was done for her, she refused to make any further payments and her account was charged off due to non-payment. After we had exhausted all options we had available to help her fulfill her obligation, it was sent to our attorney.  She is welcome to reach out to their office to discuss a settlement or repayment plan with them.

Good morning, I checked the account in question and it looks like we rectified the situation and returned the $100 in question to the customer on December 15th. It also stated that we responded back to the Revdex.com that this situation was taken care of. Please let me know if there is anything else I need...

to do with this situation.

I am writing in regards to a complaint submitted on behalf of Mr. [redacted] C. [redacted].  Time Investment Company, Inc. did finance the bathroom renovation for Mr. [redacted] and placed a lien against his property when the account went past due in December 2015.  We made daily phone calls with no...

response until we received an email from someone claiming to be Mr. [redacted] on February 1, 2016 asking how much he owed so he could bring the account current.  We responded with the information requested.  We received a call from Mr. [redacted]’s power of attorney to discuss payment arrangements on  February 3, 2016 and we were told that she would be taking care of the payments because of Mr. [redacted]’s mental health.  At the end of the call, she informed us that he had actually passed away and his estate was in probate.  The last payment we attempted to take via automatic withdrawal was in December 2015 because his checking account was closed, two months before we were notified that Mr. [redacted] passed away.  We charged off the account due to Mr. [redacted] being deceased when we were notified in February 2016.  We did not illegally file a lien or continue taking payments months after we were notified of his passing.  Our lien is valid and the bathroom remodel is a fixture on the home that is being sold so the debt must be paid in order to release the lien.Thank you,[redacted]Customer Service ManagerTime Investment Co. Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
The statement that we did not notify [redacted] (EQA) within the 3 day rescission period is incorrect.  I signed the contract on Friday, August 22nd and on Tuesday, August 26th (the 2nd business day)  TIC called me to confirm the transaction. During this conversation, it was disclosed to me by them that the loan rate was 17.99% and that the 2% actually referred to the minimum monthly payment. I told the TIC representative to hold the paperwork and not process it as I was going to call [redacted] and cancel the transaction as this was not what I was led to believe by the [redacted] salesperson. I then immediately hung up and called [redacted]'s office. The office was closed as it was around 5pm. I then proceeded to call and speak to my salesperson, [redacted], on his cell and then advised him that we wished to cancel this transaction due to the discrepancy with the interest rate. He said the office would call me in the morning (Wednesday, August 27th, the third day of the rescission period). When I didn't receive a call back from [redacted] by 11am on Wednesday, I called their office directly and spoke to the General Manager and again expressed my wish to cancel the contract.
 
In regards to the claim that the interest rate has been lowered to 2% annually, I have not received a revised note nor any written documentation showing that this rate will be in place permanently for the life of the loan. The only thing TIC sent me was a monthly statement that showed the rate had been adjusted to  2% for that month. I have no assurance that this is not a temporary change as the previous  statement had listed the rate at 17.99%. For all I know, it could be changed back to the higher just as easily at a future time. It is not to my benefit based on the experiences over the past two months with these two companies to take their word for anything. We maintain our position that we contacted [redacted] properly during the 3 day rescission period to cancel the sale, pick up the unit and nullify the loan with TIC accordingly. All this mess and confusion could have been avoided if TIC and [redacted] would have followed my instructions not to process the loan on August 26th. We have returned from being out of town today to find a message from TIC on our voicemail that they needed to speak to us "immediately". Please forward this response to them as we will not be contacting them directly and wish the Revdex.com to be involved in this dispute process.
 
Regards,
[redacted]

After further investigation into Ms. [redacted] complaint it was found that Ms. [redacted] and her now husband signed a legal binding contract on 9/9/2016 with Century Direct Intl. Century Direct Intl and Time Investment Co, Inc are two separate companies.  The [redacted]’s had 3 days to cancel the...

loan which they did not. By signing the contract documents they accepted the responsibility to make on-time monthly payments and to pay for the cookware in full. Time Investment Company, Inc took assignment of the contract documents on 9/12/2016. Ms. [redacted] stated they were receiving multiple calls several times during the day… We do not have an automatic dialing system so therefore are unable to make multiple calls to our customers. We do however get help from Century Direct Intl on occasion to help with our collection efforts. It is possible that some of the calls were from them. We did not learn of Ms. [redacted] accident until May 6th, 2017 at which time she explained her potential financial hardship. We have tried, along with the Century Direct, to work with Ms. [redacted] and her husband to bring their account current, including payment plans and accepting bi-weekly payments. We understand their hardship, but they did sign a legal binding contract to make payments on the cookware they still are in possession of.  For now we have stopped all outgoing calls from our office to the [redacted]’s, but will continue to send statements, texts, and letters regarding their account with Time Investment Co. as we are allowed by law. We would encourage them to contact our office to work with our staff to make payment arrangements to help them get back on track. We would be happy to help the [redacted]’s to bring their account back to current. As for the call from phone number 201-381-6411 … we contacted the dealer’s office regarding the call and text messages Ms. [redacted] received. The owner of Century Direct, Intl checked into the matter and found that this call did not come from anyone working at their company, but after further investigation found that number to be associated with scam calls that are coming out of New York and New Jersey. If Ms. [redacted] is willing, we would like to get a copy of the text messages she received so we can have our attorney look into the matter further. We have been in business for over 32 years and work very hard to give the best customer service possible to our customers. We would appreciate her help so we can look into this situation more thoroughly.

I am writing in response to complaint id# [redacted].  Our timeline of events as previously presented is accurate and backed up by detailed notes and recorded conversations that are in our business records and system and have been thoroughly reviewed in response to the complaint.  The statutory references cited by the complainant are not the statutes governing the fixture filing as they relate to construction liens.  The 120 day requirement deals with construction companies and their statutory construction lien, it does not deal with fixture filings.  We are not a construction company, we are a financing company, and as such our UCC-1 financing statement/fixture filing is not a construction lien, it is a fixture filing under the N.C. commercial code.  N.C. Statute 25-9-334 gives us the right to file a fixture filing as the goods are attached to the property. While we were notified that Ms. [redacted] was acting as POA in October and that she was going to be handling his affairs due to his health, that was more than a month prior to Mr. [redacted]s passing and we were not notified that he passed away until February 2016 which was well after the payments stopped being made and well after the lien filing.  The UCC-1 financing statement is filed in the Union County, NC real estate records as required by law.  Thank you,  [redacted]Customer Service ManagerTime Investment Co. Inc###-###-####

I am writing in response to complaint id# [redacted] submitted by Ms. [redacted].  After carefully reviewing both accounts, I can confirm that daily calls are made to Mrs. [redacted], however we have only spoken to her one time on April 8, 2015.  She did state that she did not want calls...

to her place of employment and we did inform her that we had been trying to reach her at home for quite some time with no response.  We did state that she needed to return our calls to make payment arrangements in order to avoid calls at her place of employment.  We have not received any emails from Mrs. [redacted] to date.  We have spoken to Mrs. [redacted]’s husband on two occasions, most recently on April 8, 2015 where he notified us that they were trying to pay their loans in full but needed a little more time.  We are willing to work with all of our customers, especially those that may be experiencing a hardship, however we need communication.   If there was an open line of communication regarding missed payments, we would not need to make daily phone calls.  I’ve also reviewed the payment history on both accounts and unfortunately, even though large payments were made on each account in November to bring them current at that time, no payments were made again until March of this year and the payments made at that time were not enough to bring either account up to date.  The contracts signed state that Mrs. [redacted] must make minimum payments each month to keep the accounts current.  That has not been done. Unfortunately, we are unable to remove any part of the balance.  We will stop all collection activity by phone, however we do expect the balance to be paid in accordance to the legal agreement we have with Mrs. [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
I have actually spoken to agents multiple times as well as responded to emails where I advised them that I would no longer entertain their phone calls. See below. I also have an email string where I was communicating with an agent named [redacted] about the payments. Not only have I answered phone calls in the past, I have even called in for assistance with website access so I could make my payments. Counting all 3 phone numbers this company has, they contact me anywhere from 1 to 3 times a day including at my place of business which again they CANNOT do. I have given more than 30days notice of this fact and when I try to explain this I am given an attitude. I received a call from them again today during business hours which I CANNOT ANSWER. As previously stated, I am happy to correspond via email, which they apparently have had no issue with before, but I will not allow this company to harass and belittle myself or my household. The attitude, comments and harassment we have received and continue to receive are completely uncalled for. Now they claim we have never spoken to them until April 8th? This is why I now insist on communication only via email as this company will apparently lie through their teeth.On Thursday, February 19, 2015 4:06 PM, [redacted] <[redacted]> wrote:[redacted]To[redacted]BCC[redacted]Feb 19Hello, As I understand it, you have made extremely rude comments when calling my household... More specifically saying that my husband is a bad spouse! This is unacceptable and I will not deal with you for these accounts. So rather than be rude with you by phone, feel free to have your supervisor contact me via email. I am more than happy to pay on the accounts but I will not provide banking information by phone or email, nor will I tolerate rudeness. I have worked in all levels of customer service for 15years so I get it. You are trying to collect a debt and feel the need to strongarm. As long as my household is treated with disrespect I will continue to refuse your calls. I finally received a notice in the mail so am aware a payment needs to be made as I do not receive statements (which would be helpful). I will submit payments on both accounts at my earliest convenience.Furthermore, I do not give Time Investment Company Inc. permission to contact me at my place of business ([redacted]) as my company prohibits such personal  business. Should you fail to comply it is a violation of the FDCPA.Regards,[redacted]From:"[redacted]" <[redacted]>Date:Wed, Feb 18, 2015 at 4:59 PMSubject:Time Imvestment Company, Inc Dear [redacted],  The amount needed to bring your account current for the food account  is $353.50,  and for the  Freezer and Service the amount past due is 263.48 .Call the office as  soon as possible with your credit card or checking account info and we can take the payment, set that up or postdate for you or log in to the TIC web . If payments are postdated on the account this will alleviate the collection calls so please contact me right away so we can resolve this issue. Sincerely, [redacted]Customer Service RepresentativeTime Investment Company, Inc###-###-#### Regards,
[redacted]

We contacted the dealer to verify that Mr. [redacted] did in fact cancel his contract within the 3 days allowed. We confirmed with the dealer they did receive the cancellation notice in time. Per confirmation from the dealer; both of Mr. [redacted] accounts with Time...

Investment Company, Inc. have now been cancelled and closed.

After further investigation into Mr. [redacted]’s complaint it was found that Mr. [redacted] is not a customer of Time Investment Company. His son, [redacted] and his wife [redacted] signed a legal binding contract on 12/19/2015 promising to make on time monthly payments until their...

account was paid in full. Due to the amount of the loan and their late payment history a lien was filed to protect the security interest in the merchandise attached to the home. We are unable to release the lien until the account is satisfied due to the potential sale of the home and loss of merchandise.  We have been working with [redacted] on a potential settlement and hope to resolve this issue soon.

I am writing in regards to complaint id# [redacted].  We are working directly with the customer to resolve any issues.  We have come to an agreement that is satisfactory to all parties involved regarding the service agreement and we are working on the balance of the food contract.

I am writing in response to complaint id# [redacted] submitted by Mr. [redacted].  Time Investment Company, Inc. places liens against properties as a normal course of business.  This practice is outlined on the credit application that was signed by Mr. [redacted] on June 25, 2014. ...

Time Investment Company, Inc. has been in touch with Mr. [redacted]’s mortgage company and provided them with information regarding the subordination of our lien which is typically how we would handle a mortgage refinance with an outstanding lien. This should allow Mr. [redacted] to complete the refinance without any issues.  We cannot completely remove it until the loan is paid in full.Thank you,*
[redacted]Customer Service ManagerTime Investment Co. Inc262.334.1037 x227

I am writing in regards to complaint id# [redacted].  Mr. [redacted] did state during verification that he didn’t want the products anymore because of the high interest rate.  We don’t have any evidence that he legally cancelled the transaction prior to the third business day.  Time Investment Company, Inc. worked with the dealers office to reduce his interest rate to 2% for the remaining term of the loan.  I will be sending a formal letter to Mr. [redacted] to confirm that his rate has been lowered permanently and will never increase.  If there is any evidence that the cancellation was done properly, in writing, within the 3 day rescission period, please forward that documentation to me for review and I would be happy to look into that further.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. After all a meth addict got the house and it is now non-insurable. 
Regards,
[redacted]