As a business owner over 30 years ago I started selling my financed contracts to Time Investment Company. I have been very happy with the level of service that this family operated company has provided to our company. TIC actually cares about their clients and they have always treated me with respect and dignity. I would 100% recommend TIC as a finance company. They are the best! Thank you TIC!
I am writing in regards to a complaint submitted on behalf of Mr [redacted] C*** Time Investment Company, Incdid finance the bathroom renovation for Mr [redacted] and placed a lien against his property when the account went past due in December We made daily phone calls with no response until we received an email from someone claiming to be Mr [redacted] on February 1, asking how much he owed so he could bring the account current We responded with the information requested We received a call from Mr***’s power of attorney to discuss payment arrangements on February 3, and we were told that she would be taking care of the payments because of Mr***’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 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 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 CoInc
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] ***
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
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 callsSee belowI also have an email string where I was communicating with an agent named [redacted] about the paymentsNot only have I answered phone calls in the past, I have even called in for assistance with website access so I could make my paymentsCounting all phone numbers this company has, they contact me anywhere from to times a day including at my place of business which again they CANNOT doI have given more than 30days notice of this fact and when I try to explain this I am given an attitudeI received a call from them again today during business hours which I CANNOT ANSWERAs 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 householdThe attitude, comments and harassment we have received and continue to receive are completely uncalled forNow 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, 4:PM, [redacted] < [redacted] > wrote: [redacted] To [redacted] BCC [redacted] Feb 19Hello, As I understand it, you have made extremely rude comments when calling my householdMore specifically saying that my husband is a bad spouse! This is unacceptable and I will not deal with you for these accountsSo rather than be rude with you by phone, feel free to have your supervisor contact me via emailI am more than happy to pay on the accounts but I will not provide banking information by phone or email, nor will I tolerate rudenessI have worked in all levels of customer service for 15years so I get itYou are trying to collect a debt and feel the need to strongarmAs long as my household is treated with disrespect I will continue to refuse your callsI 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 Incpermission to contact me at my place of business ( [redacted] ) as my company prohibits such personal businessShould you fail to comply it is a violation of the FDCPA.Regards, [redacted] From:" [redacted] " < [redacted] >Date:Wed, Feb 18, at 4: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 .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 issueSincerely, [redacted] Customer Service RepresentativeTime Investment Company, Inc###-###-#### Regards, [redacted] ***
Good morning, I checked the account in question and it looks like we rectified the situation and returned the $in question to the customer on December 15thIt also stated that we responded back to the Revdex.com that this situation was taken care ofPlease let me know if there is anything else I need to do with this situation
[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 meAfter all a meth addict got the house and it is now non-insurable Regards, [redacted] ***
We contacted the dealer to verify that Mr [redacted] did in fact cancel his contract within the days allowedWe confirmed with the dealer they did receive the cancellation notice in timePer confirmation from the dealer; both of Mr [redacted] accounts with Time Investment Company, Inchave now been cancelled and closed
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 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 transactionDuring 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 paymentI 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] salespersonI then immediately hung up and called ***'s officeThe office was closed as it was around 5pmI then proceeded to call and speak to my salesperson, ***, on his cell and then advised him that we wished to cancel this transaction due to the discrepancy with the interest rateHe 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 loanThe only thing TIC sent me was a monthly statement that showed the rate had been adjusted to 2% for that monthI 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 timeIt is not to my benefit based on the experiences over the past two months with these two companies to take their word for anythingWe maintain our position that we contacted [redacted] properly during the day rescission period to cancel the sale, pick up the unit and nullify the loan with TIC accordinglyAll this mess and confusion could have been avoided if TIC and *** would have followed my instructions not to process the loan on August 26thWe 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]
I am writing in regard to complaint id# [redacted] Unfortunately, Time Investment Company, Incis strictly the finance company and we do not have anything to do with any promotional items that were promised at the time of purchase We financed the cookware that was purchased only The consumer signed a legally binding contract and there is no way to cancel or refund any part of what has been paid at this time I would suggest contacting [redacted] at ###-###-#### to discuss any promotional items that were not received
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
We are currently still in the process of communicating back and forth with Ethan [redacted] to get his actual account information in order to pull up his account in our systemWe have had contact with him via email within the last couple days and are waiting to hear back from him to provide us with his account information so we can help himAt this time we are unable to locate his account in our system without more information from him
I am writing in regards to a complaint submitted on behalf of Mr [redacted] C*** Time Investment Company, Incdid finance the bathroom renovation for Mr [redacted] and placed a lien against his property when the account went past due in December We made daily phone calls with no response until we received an email from someone claiming to be Mr [redacted] on February 1, asking how much he owed so he could bring the account current We responded with the information requested We received a call from Mr***’s power of attorney to discuss payment arrangements on February 3, and we were told that she would be taking care of the payments because of Mr***’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 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 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 CoInc
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] ***
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
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 callsSee belowI also have an email string where I was communicating with an agent named [redacted] about the paymentsNot only have I answered phone calls in the past, I have even called in for assistance with website access so I could make my paymentsCounting all phone numbers this company has, they contact me anywhere from to times a day including at my place of business which again they CANNOT doI have given more than 30days notice of this fact and when I try to explain this I am given an attitudeI received a call from them again today during business hours which I CANNOT ANSWERAs 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 householdThe attitude, comments and harassment we have received and continue to receive are completely uncalled forNow 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, 4:PM, [redacted] < [redacted] > wrote: [redacted] To [redacted] BCC [redacted] Feb 19Hello, As I understand it, you have made extremely rude comments when calling my householdMore specifically saying that my husband is a bad spouse! This is unacceptable and I will not deal with you for these accountsSo rather than be rude with you by phone, feel free to have your supervisor contact me via emailI am more than happy to pay on the accounts but I will not provide banking information by phone or email, nor will I tolerate rudenessI have worked in all levels of customer service for 15years so I get itYou are trying to collect a debt and feel the need to strongarmAs long as my household is treated with disrespect I will continue to refuse your callsI 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 Incpermission to contact me at my place of business ( [redacted] ) as my company prohibits such personal businessShould you fail to comply it is a violation of the FDCPA.Regards, [redacted] From:" [redacted] " < [redacted] >Date:Wed, Feb 18, at 4: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 .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 issueSincerely, [redacted] Customer Service RepresentativeTime Investment Company, Inc###-###-#### Regards, [redacted] ***
Good morning, I checked the account in question and it looks like we rectified the situation and returned the $in question to the customer on December 15thIt also stated that we responded back to the Revdex.com that this situation was taken care ofPlease let me know if there is anything else I need to do with this situation
[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 meAfter all a meth addict got the house and it is now non-insurable Regards, [redacted] ***
We contacted the dealer to verify that Mr [redacted] did in fact cancel his contract within the days allowedWe confirmed with the dealer they did receive the cancellation notice in timePer confirmation from the dealer; both of Mr [redacted] accounts with Time Investment Company, Inchave now been cancelled and closed
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 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 transactionDuring 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 paymentI 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] salespersonI then immediately hung up and called ***'s officeThe office was closed as it was around 5pmI then proceeded to call and speak to my salesperson, ***, on his cell and then advised him that we wished to cancel this transaction due to the discrepancy with the interest rateHe 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 loanThe only thing TIC sent me was a monthly statement that showed the rate had been adjusted to 2% for that monthI 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 timeIt is not to my benefit based on the experiences over the past two months with these two companies to take their word for anythingWe maintain our position that we contacted [redacted] properly during the day rescission period to cancel the sale, pick up the unit and nullify the loan with TIC accordinglyAll this mess and confusion could have been avoided if TIC and *** would have followed my instructions not to process the loan on August 26thWe 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]
I am writing in regard to complaint id# [redacted] Unfortunately, Time Investment Company, Incis strictly the finance company and we do not have anything to do with any promotional items that were promised at the time of purchase We financed the cookware that was purchased only The consumer signed a legally binding contract and there is no way to cancel or refund any part of what has been paid at this time I would suggest contacting [redacted] at ###-###-#### to discuss any promotional items that were not received
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
We are currently still in the process of communicating back and forth with Ethan [redacted] to get his actual account information in order to pull up his account in our systemWe have had contact with him via email within the last couple days and are waiting to hear back from him to provide us with his account information so we can help himAt this time we are unable to locate his account in our system without more information from him