TimePayment Corp.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. . 
[I understand I am responsible for fixing the equipment if it is not functioning.  It was and remains unusable due to a password lockout the rep, [redacted], put in place.  He is the only person able to "fix" the problem and he has been non-responsive.  Due to the amount of time the leased equipment has remained unusable, I am requesting to return the equipment in the same working order in which it was leased and have the contract voided since the leased equipment did not provide any usage.]
Regards,
[redacted]

TimePayment’s records indicate that your account with us was cancelled on September 30, 2016 (the same day that it was set to commence), at the request of the vendor, [redacted].com. Because the account never commenced, it should not be reflected on your credit report. TimePayment will submit a...

Universal Data Form to [redacted], requesting that our tradeline be deleted. We apologize for the inconvenience. Please allow 30 days for the credit bureaus to update their records.

Review of this account indicates that your personal information was submitted to our company via a credit application on our website on December 10, 2015. TimePayment approved the application, based on our credit review, and sent the lease documents via email to be completed and signed...

electronically. The Lease Agreement was signed and returned to us (electronically) on December 11, 2015. TimePayment then paid the equipment vendor, [redacted] for the equipment and commenced the Lease. We understand that you are claiming that you did not submit this credit application, or sign the Lease Agreement. In order for TimePayment to thoroughly investigate this claim of identity theft, we do need for you to complete the Forgery Questionnaire that was sent to you previously. For your convenience, I have attached copies of the Forgery Questionnaire and the Lease Agreement hereto. Please complete the Questionnaire and return it to TimePayment’s Legal Resolutions Department at your earliest convenience. Once received, we will commenced an investigation into your claim, which may take up to 30 days to complete.

TimePayment Corp. has had the opportunity to review your most recent account with our company, and we would like to take this opportunity to address your concerns. First, we apologize that the TimePayment representative who was handling your account initially was not available to assist you this...

week. Please understand that the representative’s absence was not planned. To address your complaint related to the delay in commencing your Lease Agreement: our records indicate that TimePayment representatives continued to work diligently (in the absence of the primary account representative) to commence the contract as quickly as possible. Though the program that was promised to you initially was not available, TimePayment remained determined to find a way to provide you with the contract terms that you were requesting. We apologize for any delays which may have been caused by this process, or any miscommunications that may have occurred in regard to the program availability. Our records indicate that the details of your Lease Agreement have, since, been sorted-out and that you are satisfied with the final outcome. We sincerely hope that this matter has been remedied to your satisfaction, and we apologize for any inconvenience that may have been caused by this delay. Please do not hesitate to contact us directly, at our toll-free number, with any additional questions or concerns related to your account.

TimePayment Corp.’s Legal Resolutions Department has received your complaint, and we have taken the opportunity to review your account accordingly. Your complaint asserts that [redacted], a representative of a company called “Safe Touch Security & Surveillance” came to your home on May 28,...

2015 to solicit a security system – which you agreed to let him install, with the understanding that it would cost $79.00 per month. You are claiming that you were not left with a copy of the contract that you signed, and that you attempted to cancel the “service” repeatedly between the dates of May 28th and June 6th.  Our records indicate that you signed the TimePayment Consumer Equipment Lease Agreement via a representative of a security company called “[redacted] Services” on May 22, 2015 for a term of 48 months, with a base monthly rate of $98.88 per month (plus an additional $9.11 per month in sales and property taxes). TimePayment has never dealt with a company by the name of Safe Touch Security & Surveillance in regard to your account. Prior to paying [redacted] Services for the equipment that is listed on your Lease Agreement, TimePayment conducted a recorded lease verification telephone call with you at telephone number [redacted] on May 29, 2015. During our recorded lease verification telephone call, you confirmed the spelling of your first and last name, the last four (4) digits of your social security number and that you understood that you had signed a Consumer Equipment Lease Agreement for a term of 48 months, at a base monthly rate of $98.88. You further confirmed that the security system listed therein had been installed and was functioning to your satisfaction. At no time during that recorded telephone call did you inform the TimePayment representative that you wished to cancel the contract, that you felt “taken advantage of”, or that you had not been given a copy of the Lease Agreement that you signed. Immediately following the satisfactory completion of the verification telephone call, TimePayment Corp. paid [redacted] Services for the security equipment and commenced the Lease Agreement. Your obligations, as outlined in the contract, became irrevocable at that time. In addition to the Consumer Equipment Lease Agreement, you signed a document titled: “Buyer’s Right to Cancel and Notice of Cancellation”, which allowed you three (3) business days from the date of signing to cancel the contract. Your three-day right to cancel expired at midnight on May 28, 2015 (as indicated in the attached copy of that document). While we understand that you are claiming that the dates on this document were altered after you signed it, we have received no documentation which substantiates that claim. We ask that you refer to the box titled “Acknowledgement of Receipt”, which states: “I have received two copies of this Buyer’s Right to Cancel and Notice of Cancellation”. Please provide a copy of the Buyer’s Right to Cancel and Notice of Cancellation that you acknowledged receiving – upon receipt of that document, we will be happy to revisit your claim that the dates on the document may have been altered. Additionally, please refer to the notice at the bottom of page one (1) of the Lease Agreement (directly above your signature). That notice states, in bold font: “CAUTION - IMPORTANT NOTICE. THE TERMS OF THIS AGREEMENT ARE CONTINUED ON MORE THAN ONE PAGE. I CERTIFY THAT I HAVE THOROUGHLY READ THIS ENTIRE CONTRACT BEFORE I SIGNED THIS LEASE. I AGREE THAT I HAVE RECEIVED A COMPLETED AND READABLE COPY OF THIS ENTIRE LEASE AGREEMENT. I have read, understand and agree to the terms, which appear on all pages of this Lease.”In an attempt to thoroughly investigate your claim that the vendor’s representative altered the dates on the contract after the document was signed, we contacted Lester [redacted], the owner of [redacted], and requested his response. Mr. [redacted] has denied that he (or any of his representatives) altered your contract. For the reasons listed herein, it is TimePayment’s position that the terms of the Lease Agreement were properly and accurately disclosed to you in writing (within the pages of the contract) and verbally (in our verification telephone call). You were given ample opportunity to cancel the Lease Transaction prior to Lease commencement – including being provided with the Buyer’s Right to Cancel document, as well as the during the verification telephone call that occurred on May 29th.  In fact, our records indicate that you did not contact TimePayment to inform us of your desire to cancel until June 15, 2015 – eighteen (18) days after the contract had already commenced. Because TimePayment has already purchased the equipment that is listed on the Lease Agreement and commenced the contract, we are not able to cancel it. We apologize that we cannot be of further assistance to you in this matter, and we encourage you to contact our Customer Service Department regarding any billing or payments questions that you may have.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. When [redacted] were already tearing up our ducks and hauling out the old furnace the salesman was telling us they could only finance us through Time Payment Corp. We wanted to call our credit union for the loan instead.We both feel we were under duress as the house was freezing, it was February 2, and we had slept in the livingroom next to a heater. And since [redacted] was already tearing up the old furnace, what could we do? Tell them to stop? The salesman explained about the lease, which didn't make much sence then, and he said to call our homeowner insurance company and have then insure the furnace and we'd have no payments to make to them it g er than the cost of the furnace. By the time they got done installing and us signing papers half the day was gone.I called our insurance agent, he said t h ey could not insure just the furnace alone as its added equipment and is covered under loss due to fire or disaster. He explained the reason Time Payment wanted this coverage was that if our home was destroyed Time Payment would get half of the insurance check leaving us without enough to rebuild our home.This company has been doing this  for years to home owners and corporations and making millions on bilking customers out of money for leasing their own eguipment thar has already been bought and paid for. I want them to drop the $3000.00 they say we owe them for leasing our furnace and to not take any action against us in the future.[redacted]. And [redacted]  [redacted] 
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. My Lawyer told me that Time Payment never reply with a prove to have authorize t to collect ACH debits after both of my leases were expiredAlso my Lawyer told me that Time Payment position is that i have to pay 3000 dollars therefore my lawyer could not solve this issue because Time Payment refused to provide proof to him and to me in the pastTime Payment did not collaborate with my lawyer and with me in the past submitting information requestTime Payment has the legal responsibility to provide us with our request and they know that they cannot provide any ACH form signed on 2010 and 2011a new ACH authorization for new debits and to tell us if the did unauthorized ach debits, Time payment is giving the same answer that they gave to Revdex.com in the past when other customers had the same situationTime payment is given excuses now to Revdex.com and before to my lawyer and me,Time payment answer with information we did not ask and with information we already have, they did not answer directly about the refund I asked but they direct us to pay additionalMy lawyer told me that is nothing else to do without the collaboration of Time PaymentWhat I have to do?/ subpoena for documents my lawyer and me asked already and Time Payment refusedSaying that I have a lawyer and keep driving in circles is just an excuse when they know that that they told my lawyer that they want 3000 dollars and they did not answer our demandas (Once again the only thing Time Payment says is  ...you signed this and this , we call you in the phone etcJust watching the interest and the depreciation of the equipment is cheaper to get a  illegal Shark Loan that a legal lease with Time PaymentAs an small business I do not see any benefit dealing with Time Payment, interest are astronomical and after you paid the principal and interest  of the loan you have to keep paying for ever, and when we claim with these unethical and no moral practices they refuse to provide you with information requestedBecause my lawyer felt in the conversation with Time Payment because could not be a negotiation is just Time Payment way or not deal, I request Time Payment proof of new ACH authorization and if they refused to provide it to issue a Check of $2000 to my co and to close the accountLet me know if a letter from my Lawyer is need it to verify that my lawyer is in a position that nothing can be done in an amicable way
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].  
We understand your stance on this issue, but do want to also let you know that we have contacted all companies involved. You, Time Payment, [redacted], and [redacted]. We have left countless messages on any possible phone numbers we have as well as any that were given to us by all involved. We are tired of asking for help when no one will assist. We tried to work with all involved and have done all that you all have suggested. [redacted], like you, cannot help, but at least they made an attempt to assist.  We have no other options, unless you can give us someone that you already work with thT can fix our system. That is all we have been asking. Do also note that we have contacted other alarm companies in our area, but they will not touch our system because it is not their equipment. They want to replace your equipment. Since we are LOCKED into a contract with you, this causes us more issues.  What is your suggestion now? We are at the lawyer point, our next and apparently only option.
Regards,
[redacted]

We apologize that you are not satisfied with our response. As stated in the cover letter that accompanied the Forgery Questionnaire, the investigation into your forgery claim can take up to 30 days to complete, once received. TimePayment received your claim documents for account [redacted] on February 19th, and the investigation is pending. Please allow a reasonable amount of time for this claim to be thoroughly investigated.  As previously stated, there are no open claims on your second account ([redacted]) that are being investigated. If you wish for that account to be closed, the current buyout amount is $3,489.55.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response mostly satisfies my issues and/or concerns in reference to complaint #[redacted]. However, it is disconcerting that it required countless efforts on my part and finally a complaint to the Revdex.com before my concerns were heard. I am unclear why I still owe a balance and my statement history accessible online is so convoluted, there is no way to effectively determine the real balance. Given the number of similar complaints I have read since my ordeal, it is beyond me that TimePayment is still rated A+ by Revdex.com. Having said that, I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. I have sent a certificate to [redacted] showing proof of Time payment listed as loss payee for those months without a lapse of coverage. I spoke to her on Friday March 4,2014 by email and she at first told me the documents were not acceptable, after I pointed out to her that Time Payment was listed as loss payee in the description she said that it was acceptable. Please speak to her about this. I am confident this proves full coverage without any lapse, I am not confident enough to go back to auto-pay in that I feel the company does not want to notify customers of any possible breach of terms so that they may sneak these charges in. 
[If you are rejecting the business's response please enter your rejection comments here.]
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted] I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
 Yesterday I replied to this complaint saying that I accepted the comment from TimePaymentCorp saying that as long as I did not receive any more messages from them I would be happy, and had the complaint closed. However today I received the following message from TPC saying the following: Dear [redacted]:Your account has been referred to our Collections Department for handling. I would like to try to resolve this matter before additional fees, if appropriate, are assessed to your account.You executed our standard Non-Cancelable Lease Agreement. Prior to funding this Agreement, our Credit Department verified with you that the equipment was installed and in good working order, as well as that material terms and conditions of this Agreement.TimePayment is only a financing source. Any problems you may have with the equipment, or with any service associated with it, are between you and the dealer from whom you acquired the equipment. Any such problems do not excuse your obligation to pay TimePayment under the terms of the Agreement you entered into with us. Also, our Agreement has an agency disclaimer which states clearly that the dealer has no authority to waive or alter the terms of the lease and any representations made by the dealer shall in no way affect the rights and obligations set forth in the lease.Please contact me immediately to resolve this matter.Sincerely,[redacted]Collections Representative###-###-####, Extension [redacted] Needless to say, TimePaymentCorp lied to me when they said that the account was closed and no payments are due. I am still receiving collection notices and I want them to stop right now. As a result, I am officially rejecting their message until we get this matter resolved. Please help me in getting this taken care of. Sincerely,[redacted]

As Ms. [redacted]’s investigation conclusion letter stated, TimePayment never authorized the return of the leased equipment to [redacted], Inc. TimePayment Corp. is the rightful owner of the equipment, and was not informed of any issues or plan for return, prior to the date that you claim to have shipped the equipment back to the vendor. Returning the equipment early does not void or nullify the Lease Agreement – however, if the equipment is returned early, then it needs to be shipped to TimePayment in Burlington, Massachusetts. TimePayment is not in possession of the equipment on your Lease Agreement, nor have we received confirmation from [redacted] Inc. that they are in possession of the equipment.   It has been confirmed that you did receive equipment in connection with the Lease Agreement, and that TimePayment purchased that equipment on your behalf, in order to lease it back to you. If you returned the equipment to any company other than TimePayment Corp., then you have breached the contract (see section 23, "Ownership"), and you are responsible for locating and recovering the equipment.   As Ms. [redacted] explained in your telephone conversation yesterday, if you are able to locate the equipment that was provided to you at the commencement of the Lease Agreement, and reach an agreement for an equipment exchange with [redacted] Inc., then we will agree to facilitate the equipment exchange paperwork. Until you are able to locate the equipment that was provided to you in connection with the Lease Agreement, TimePayment cannot assist in facilitating an exchange.   We encourage you to contact [redacted], Inc. and/or any company that may have received the equipment that you claim to have returned in May. Please keep Ms. [redacted] updated on any developments with regard to locating and exchanging the equipment.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
[redacted] told me they didn't handle anything time payment did. I can send email they sent  I am getting lied to and want nothing to do with this [If you are rejecting the business's response please enter your rejection comments here.]
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. 
While I accept the statements in general, the part that I am saying that you're unwilling to cooperate with is the documents online. There is not a way for me to see the lease agreement or any other document besides the payments that have been made. You should make things easier for the consumer to get these documents without charging for them. I understand that your business doesn't have to follow everything that millions of big businesses do for the customers like viewing statements and documents sent online for free and the consumer can print out the document themselves instead of having it be sent to them, but it would help you avoid situations like these where the customer feels like they have to resort to complaining to the Revdex.com to get a response and documentation from you.
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. 
[1.  The representative told me over the phone when I called them about the "overlooked" account. I was only stating what I was told.   That was her words not mine.2.  Another representative told me over the phone that I would be credited for the past insurance waiver fees.  Your company has a way of telling lies to get a customer to pay more money.  Along with the emails you are stating, I also called your company 10+ times.3.  Please send me proof emails or phone messages showing that you tried calling me at all in 2014, you stating you tried contacting me "9" times about my account is ridiculous.   No letters were sent either.  If you typed it, you didn't mail it.  My mail carrier has been excellent.  4.  You never addressed the rude customer service.5. You never addressed the removal of the negative credit reporting while waiting on an accurate response from your company.If you will not refund the waiver fees, the removal of the negative credit reporting will be fair way to solve this matter.
Regards,
[redacted]

TimePayment is in receipt of your complaint regarding Lease Agreement number [redacted]. Our records indicate that [redacted] signed a Non-Cancelable Commercial Equipment Lease Agreement on October 18, 2010 for a period of 48 months. In your complaint, you have indicated that, in October of 2014, you...

contacted TimePayment Corp. to request the “final payoff” amount on the account. Your complaint asserts that a TimePayment representative informed you, at that time, that (after your initial 48-month lease term ended), you could pay the Fair Market Value of the equipment over a period of months. You have claimed that, despite making five (5) extra monthly payments (in addition to the required 48 monthly payments), TimePayment Corp. has refused to apply those toward the Fair Market Value of the equipment and has, instead, considered them to be “rental payments”. On August 12, 2014, TimePayment mailed you a letter outlining your end of lease term options. That letter stated: “This letter is to inform you that there are two months remaining on the initial term of your agreement. In accordance with the terms of your agreement, you have the following options at the end of the initial agreement term: (1) you can promptly return the equipment, in good condition, except for ordinary wear and tear, to us by the end of the initial term of the contract (20-Oct-2014) or (2) you can extend the agreement under the terms and conditions stated in the agreement on a month-to-month basis until such time as you give written notice that you elect to terminate the agreement at least 30 days prior to such termination and you return the equipment to us or (3) you can purchase the equipment for the fair market value as quoted by us at the time of termination plus any applicable taxes.” I have attached a copy of this letter, as well as the Lease Agreement, for your review.The information provided in the End of Lease Term letter is also stated in section 5 (“End of Lease Term”) of the Lease Agreement that [redacted] signed. Our records indicate that, on October 27, 2014 you called our Customer Service Department and spoke with [redacted] - at that time, you requested a “Buyout Quote”. [redacted] informed you that, to the keep the equipment, the Buyout amount was about $2,300 – the total of the Fair Market Value of the Equipment, and the open invoices on your account at that time. Our records do not indicate that [redacted], or any other representatives of TimePayment Corp., informed you that you could pay the Fair Market Value of the equipment over several months. As stated in the Lease Agreement, and in the End of Lease letter that was mailed to you, unless you returned the equipment or paid the Fair Market Value of the equipment, the Lease would continue on a month-to-month basis until one of those two things occurred. To date, you still have not returned the equipment or paid the Fair Market Value of the equipment – which is why the account remains in “Month-to-Month Rental” status. For the reasons listed herein, it is TimePayment’s position that all invoices on your account have been billed accurately and in accordance with the terms of your Lease. Currently, the true buyout amount on this account (to keep the equipment) is $2,825.08. However, we have had the opportunity to review your account and, because of your timely payment history, we will agree to close the account for payments already received. Please be advised that this is being done purely in the spirit of compromise, and in an effort to amicably resolve this dispute. Thank you for the opportunity to review this matter – we sincerely hope that this dispute has been remedied to your satisfaction.

TimePayment is in receipt of your complaint regarding Lease Agreement number [redacted]. Our records indicate that you signed a Non-Cancelable Commercial Equipment Lease Agreement in February of 2011 for a period of 48 months. In your complaint, you have indicated that, on March 11, 2015, you verbally...

requested to know the buyout amount on your account – which TimePayment representative, [redacted], informed you was $2,222.19 (at that time). You have asserted that [redacted] also assured you that your buyout amount could be satisfied by simply allowing your monthly automatic payments to continue being deducted from your bank account for another three (3) months following that conversation. Last, you have stated that, on June 9th, Lessee Relations Manager, [redacted], agreed to accept a reduced buyout amount of $1,111.10 in regard to your Lease Agreement – if paid by July 9th. However, TimePayment then (the next day) deducted your regular payment for the month of June (totaling $662.54) – which you now believe should be deducted from the $1,111.10 settlement amount that was agreed-to on the 9th. Unfortunately, our records do not support some of the information stated in your complaint. Our records indicate that the conversation between yourself and [redacted] took place on March 10, 2015 and that [redacted] informed you, at that time, that the buyout price that she provided to you was only valid for a period of 15 days. As further confirmation of this information, TimePayment mailed you a Buyout Letter (dated March 11, 2015) which informed you of the buyout amount on your account at that time ($2,222.19) and also stated: “IF YOU WANT TO BUYOUT YOUR LEASE, PLEASE SEND IN THIS AMOUNT WITHIN 15 DAYS OF THE DATE OF THIS LETTER. PLEASE MAKE SURE TO MARK YOUR CHECK CLEARLY WITH THE WORD ‘BUYOUT’, AND SEND THE CHECK ATTENTION ‘LESSEE-RELATIONS’.” I have attached a copy of this letter for your review. On November 4, 2014, TimePayment mailed you a letter outlining your end of lease term options. That letter stated: “This letter is to inform you that there are two months remaining on the initial term of your agreement. In accordance with the terms of your agreement, you have the following options at the end of the initial agreement term: (1) you can promptly return the equipment, in good condition, except for ordinary wear and tear, to us by the end of the initial term of the contract (10-Jan-2015) or (2) you can extend the agreement under the terms and conditions stated in the agreement on a month-to-month basis until such time as you give written notice that you elect to terminate the agreement at least 30 days prior to such termination and you return the equipment to us or (3) you can purchase the equipment for the fair market value as quoted by us at the time of termination plus any applicable taxes.” The information provided in the End of Lease term letter is also stated in section 5 (“End of Lease Term”) of the Lease Agreement that you signed. I have attached a copy of this letter, as well as the Lease Agreement, for your review.Our records indicate that your account automatically transferred over to “Month-To-Month Rental” (per the terms of the contract) on December 10, 2014 and you did not contact TimePayment again until three (3) months later (on March 10, 2015), when you called and spoke to [redacted]. Unfortunately, our records do not support your claim that any TimePayment representatives informed you that the buyout amount could be paid via monthly installments over three (3) months as [redacted]’s notes on your account (as well as the letter that was mailed to you the following day) indicate that the buyout quote was only valid for a period of fifteen (15) days. Further review of our records supports your statement that, on June 9th, [redacted] agreed to accept a settlement payment of $1,111.10 (due by July 9th). However, because your account was set-up on automatic payments, your payment due on June 10th (for $662.54) was already showing as having posted to your account on our end. [redacted] was under the impression that you were aware that your June payment had already processed, and that she was agreeing to settle the account for an additional amount of $1,111.10 (after that payment). You have argued that, because the payment of $662.54 did not show on your bank account until June 10th, that amount should be deducted from the $1,111.10 settlement amount that [redacted] agreed to accept on June 9th – leaving you with a balance due of $448.56.  It is TimePayment’s position that all costs and fees have been billed to your account appropriately, and in accordance with the terms of the contract that you signed. We were under no obligation to offer a reduced buyout on your account, and did so only as a courtesy and in an effort to amicably resolve your dispute. With that said, we understand the confusion caused by the posting date of your June payment and are willing to apply your last payment of $662.54 to the $1,111.10 settlement balance that [redacted] quoted to you on June 9th. Your remaining balance owed to TimePayment is $448.56 – please pay this amount by July 9, 2015 to avoid any additional charges. Once received, we will consider your account to be paid in full.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. I am rejecting this companies response on these grounds, they in fact did send a letter on October 28,2014 notifying me that a loss payee binder was needed listing them. But I switched agents and insurance companies in 2015, I indeed asked them to list Time payment as loss payee and issue them proof of insurance as required. How was I to know this was not done or not received by the appropriate party without a letter such as the one from Oct 28 2014? They are using the excuse its not their responsibility to notify us as a reason to over charge this redundant coverage. I have submitted proof that coverage was in place the whole time without a lapse and demand a full refund of $1920.00.Thank you,[redacted]
[If you are rejecting the business's response please enter your rejection comments here.]
Regards,
[redacted]