Waynesville Family Practice Center

*** ***,C&F Finance Company received an electronic application for credit from *** *** *** ***, on 08/14/in the name of *** *** and *** *** with address, *** *** *** *** ** *** and *** *** *** *** ** *** ** ***
respectivelyThe application that *** *** *** *** submitted to C&F Finance Company was used in connection with a credit transaction for the purpose of extension of credit. The application that C&F Finance Company received on 08/14/from *** *** *** *** was used for the permissible purpose to review the applicant’s credit in accordance with FCRA.If you did not apply for credit at *** *** *** *** on 08/14/2015, please send a letter stating this to: ATTN: Compliance Dept., EMain StSuite 400, Richmond, VA 23219. A Fraud Packet will be sent to you to fill out in its entirety. Thanks

*** ***,C&F Finance Company received an electronic application for credit from *** *** *** ***, on 08/14/in the name of *** *** and *** *** with address, *** *** *** *** ** *** and *** *** *** *** ** *** ** ***
respectivelyThe application that *** *** *** *** submitted to C&F Finance Company was used in connection with a credit transaction for the purpose of extension of credit. The application that C&F Finance Company received on 08/14/from *** *** *** *** was used for the permissible purpose to review the applicant’s credit in accordance with FCRA.If you did not apply for credit at *** *** *** *** on 08/14/2015, please send a letter stating this to: ATTN: Compliance Dept., EMain StSuite 400, Richmond, VA 23219. A Fraud Packet will be sent to you to fill out in its entirety. Thanks

C&F Finance Company management has investigated the complaint and found that the delay is coming from the dealership. The Recovery Manager, ***, was able to get exact information regarding the funds from the dealership and contacted complainant to discuss and ensure she was satisfied
with the outcome

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I would like proof that I had given your company my signature to submit a credit app
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
I am not satisfied because they have no right to call my employer regardless if they can't ahold of me any other wayMy previous company never did that so why would it gove them the right to do thatThere's no reason for them to call my job.
Regards,
*** ***

C&F Finance Company Collections Manager has investigated the complaint and pulled all recorded calls in relation. The recordings show that the customer was aware of the extension and agreed to the extension during a follphone call in which a Collector stated that she thought the
documentation of a hardship was not needed for such a good paying account and waived the requirement and told customer that the extension was approved. Please contact *** *** ** *** *** *** if the customer would like to speak to the manager involved with the investigation or if customer has any further questions

Dear ** ***,Thank you for recently taking the time to express your
concerns regarding your account with C&F Finance CompanyWe have completed
a detailed review of your account and appreciate the opportunity to respond to
your complaint filed with the Revdex.com on 1/3/Below is the response
submitted
to the Revdex.com regarding your complaint.Complaint Received from Customer:I have talked to several customer service operators at
C&F FinanceI have had them tell me each time, that my car was paid offThen
when I call back to get my title sent to me, they tell me I owe more money,
each month I would have to pay an additional payment even after the month
before they said it was paid offThis has continued on for a long timeI have
requested a breakdown of the charges in question and they never give them to
meThey have told- one that was for a return check and I had already
paid forI paid each moth 20.00- extraI believe they took this amount
and applied it to the interest of 18% on a 26,carI paid the extra for
over four years each monthI don’t understand why I can’t receive a breakdown
of the additional charges, as I believe the car should be paid off.C&F Finance Company’s Response:C&F Finance Company reviewed ** *** account activities
and found the following:** *** Purchase a vehicle at *** *** *** and signed
a Retail Installment Sale Contract (RISC) on 08/01/with an APR of 16.99%The
first payment of $was due on 09/15/and the original contract term
was months with a contract maturity date of 08/15/and the original
contract term was months with a contract maturity date of08/15/Installments
paid over days past due are assessed a 5% late charge.The 72- month term of the Virginia RISC assumed that each
payment is made on its due dateLate payments incur additional finance changes
and possible late fees that are not a part of the original terms of the
agreementThe additional interest and fees owed when paid late can result in
the account not being paid off by the maturity dateAs of December 2016, **
*** has made a total of paymentAs of 1/3/2017, ** *** currently owes
late fees in the amount of $and Non-Sufficient Fund fees in the mount of
$for a grand total of $349.32.A detailed review of the payment history has been completed
The complete review verifies against the payment ledger attached
installment payments were made over days past due resulting in late charges and
additional interest that was not a part of the original 72- month termThere were
also insufficient funds and re-presentment fees on checks presented that did
not clearThere were several occasions during the installment loan where **
*** had paid current on all of the fees due, the last occurrence was the June
22, installmentHowever, after that installment, although ** *** paid
some of the fess due with her installment payment, she did not pay all of the
fees dueThese unpaid fess accumulated from June 22, through the August
installment.A review of the notes placed on the account as of November
27, states that during a call with ** ***, an amount was quoted to **
*** of $to clear the remaining balance that did not including the
remaining feesOn November 30th, 2015, C&F Finance received
$viz *** and applied $to the remaining principal balance and
the other $to unpaid late chargesSince that time, C&F Finance has
made several attempts to contact ** *** without successOn August 25, 2016,
C& F Finance sent ** *** an offer to settle the remaining fees due to
$of paid by September 23, 2016.C&F Finance Company will honor this settlement agreement
for $and release the lien and title on the *** *** *** with VIN
***Should ** *** wish to pay off the fees due on the account or
have additional questions, please contact C&F Finance Company at
855-602-2001.Sincerely,Joyce S***

The Compliance Manager has reviewed the complaint and performed an investigation. On 10/20/2015, customer called C&F Finance to make payment arrangements for 11/07/2015. The collector customer spoke with said that we were unable to accept a payment until next month. Customer
was given an extension in May of to assist customer in catching the account up. Customer is currently days past due and last paid days ago. Customer has only made payments on a month loan. C&F Finance Company Policy states that we will only grant a deferment once the customer has made payments and only one per year with a maximum of per loan term. C&F Finance has already made an exception and allowed for a deferment when customer has made less than payments. The Compliance Manager will forward this complaint and account to ***, Collections Supervisor, to contact customer to see if anything else can be done

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: *** I am very satisfied with the outcome and professionalism
Regards,
*** ***

C&F Finance Management has reviewed all notes and materials relating to this complaint and have found the following:On 02/11/2015, an Audit Letter was mailed stating the balance remaining after proceeds from the Insurance Company and the GAP Company had been applied. The amount was $
with a interest per diem of $.07. On 02/20/2015, Mr*** spoke with a collection representative and an agreeable plan was made to pay the remaining balance. agreed upon payments were received as follows: 03/02/$150, 03/11/$100, 03/12/$50, 03/19/$50, 04/02/$100On 04/01/2015, customer spoke to a representative and stated that a billpay check was sent out for $on 03/30/and that another payment will be made on 04/13/2015. On 04/13/2015, 04/14/2015, 04/15/2015, 04/16/2015, and 04/18/2015 a collections representative phoned the home number and left a message in regards to the next payment. A call was never returned. A e-mail was sent on 04/16/2015 to tim***@gmail.com to call C&F Finance.After numberous attempts to contact customer and due to the broken agreement to pay the remaing balance, SrManagement followed procedures to Charge-off the account. A Deficiency Letter was sent stating the obligation that is curently due of $124.51. This amount does not include the interest that remains on the account, which was included in the $802.12. A Collections Manager has made several attempts on to speak with customers to settle this matter but has not received a returned call. At this time, C&F Finance will continue with business practices to resolve the remaining obligations on the account

C&F Finance Company's Collection Manager made contact with customer and resolved any issues. Customer is satisfied with the outcome

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.e details of why you are not satisfied with this resolution.]Yes, I did apply for a loan with themI had no clue they had other people pull your credit as wellI was under the impression that they sent what they had, to the bankI am still requesting the inquiry be removed from my credit please
Regards,
*** ***

Mr*** was informed during the 10/06/phone conversation, with a C&F Finance Representative, that we will release the title once the funds are presented to C&F Finance Company from *** *** ***. Those funds have not been received by C&F Finance Company and, due to C&F Finance Company's policy, we cannot release the title without funds. I apologize for any inconvenience this may have caused, but C&F Finance Company must follow Policy and Procedures. If Mr*** has any further questions, please contact Tammy or Tanya in the Recovery Department.Sincerely,***, Compliance Manager

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[The account is showing charged offThey are still charging as the account is an active account.]
Regards,
*** ***

social security numbers{***,}{ financial account information Account Number ***},{ credit/debit account numbers ***,}{ driver’s license numbers,***} they made me pay $** to get all my personal property out the car is illegal

A Collection Manager has contacted complainant and both parties have come to a mutual agreement

08/16/2017 *** ***
** *** ** ***
*** ** *** RE: Revdex.com Case # ***The Customer Service Manager contacted Ms*** on August 11, 2017, to explain C&F Finance’s business practice regarding insurance claims C&F forwarded the repair
check via FedEx to *** *** *** *** on August 10, 2017, and has confirmed that the check was signed for August 15, 2017. Should Ms*** have additional questions, she may contact C&F Finance at ***-***-***. Sincerely,Joyce S***
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***

C&F Finance Company's Compliance Manager has reviewed the account notes for the complainant and found the following inaccuracies to the unsubstantiated claims in the complaint:C&F Finance Company does attempt to make contact to phone numbers on the account when the customer becomes past
due. C&F Finance Cohas phone number on record for Ms*** which was called once in the morning and if no message was left on the voicemail, a follcall was placed in the evening. Phone records for show that Ms*** phone number was called on; 01/(one time), 01/15/ (one time with message left), 01/(one time), 01/(one time), 01/(one time), 01/(one time with message left), 01/(one time), 01/** (twice with no message left), 01/(twice with no message left), 02/(twice no message left), 02/(one time), 02/(one time), 02/(one time), 02/(one time), 02/(one time), 02/(one time), 02/contact was made with customer and customer had just made a payment on 02/to bring account current until due again on 02/13, 02/16 days past due (one time message left), 02/contact made and customer stated will make payment on 02/19, and 02/two calls were placed (11:a.mand 12:41p.m., not 8:30a.m.) to ensure the Promise to Pay from the phone call on 2/was still going to be taken care of and contact was made with the second call. At no time were representatives calling "ALL DAY" or with the intent to harass or abuse. Ms*** states that someone was trying to repossess the vehicle on Sunday morning. This is not accurate as her account has not been issued for repossession to a Repossession Agent. C&F Finance Company did hire a Field Agent to obtain location information of the collateral as the Promise to Pay was set for 02/and the payment wasn't received as promised through close of business on 02/at 12:00p.m. Payment was received on 02/at 2:20p.m. The Field Agent was contracted prior to the payment being made on Saturday at 2:20p.mand C&F Finance Company closed at 12:00p.mand was unable to cancel the Field Agent.Our records indicate that complainant has been late times of the installments made (years and month) with a $**.** late charge for each of the late pays. The interest rate on the account is $**.**. If complainant has any further questions or would like to speak with a manager, please contact *** at *** for further inquiries