Worldwide Jewelry and Pawn

Initial Business Response / [redacted] (1000, 13, 2015/12/08) */ On 10/28/ [redacted] brought in his Rossi rifle as collateral for a loan (pawn) at our South Bend IN locationEvery customer must present a picture ID (almost always a state issued drivers license) when entering into a pawn transactionThe ID is scanned and entered automatically into our systemIt is the only form of ID that is required by law for a transaction such as this Once an agreed upon loan price is determined, forms are filled out, fingerprints are taken, terms of the loan and redemption are discussed and the money is exchanged the pawn transaction is considered complete When Mr [redacted] returned on 11/5/15, he was asked to fill out a federally issued form called a which allows for the transfer (pawn, sale, trade) of a firearm to an individual through a Federal Firearm LicenseeThese forms must be filled out completely and without mistake or information as it could lead to serious consequences for anyone charged with such an actThe ATF periodically performs inspections of all of our stores as well as all Federal Firearms Licensees to review EVERY form in our file beginning from the last form that was inspected on their previous auditThis is a very serious matter that cannot be compromised The ID address presented at the time of redemption must match that filled out on the or it becomes null and voidOnce a form is deemed to be filled out accurately, correctly and honestly the FFL must enter certain information into a National Database under US Government supervision (called NICS) in order to determine if the weapon can be returned to the customer who received the loanAgain this is a US Government (ATF) requirementAny weapon returned or sold to an individual without this authorization to release can result in large fines, suspension of license, loss of license or jail timeThis is taken very seriously in our company as we have had many hours of training in the handling of firearms during the loaning and selling process The customer was informed that we would not be able to accept the until he had a valid ID with his updated current address as required by Section A, part of Federal Form We have enclosed the form along with pertinent highlighted informationWe have also enclosed rules as set forth by the BMV which state that you MUST notify the BMV within days of an address changeThese are serious requirements for gun owners and licensed drivers to followWe assume that individuals follow the rules and laws in their daily conductMr [redacted] was told this by one of our sales associates and then, in turn, by our store manager Mr [redacted] Mr [redacted] was upset and as you know claimed he had to wait in order to secure a new license with a valid addressWe certainly understand that is his wishUnfortunately the ATF has such stringent rules which leave no room for interpretation Resolution: The amount of the loan was for $The accrued service charge was $as of 11/5/$would have been the amount due on 11/5/when Mr [redacted] returned to redeem the loanThe customer stated that he did not remember being informed of this information at the beginning of the process so out of goodwill we will adjust the current service charges to revert back to 11/5/making the amount due of $regardless as to when he sorts out his problems with securing a new license From our perspective it is also acceptable for Mr [redacted] to secure a picture ID card from the BMV with his current address for a very nominal fee We also are willing to 'sell' his weapon to the individual he mentioned in his complaintThe only payoff in that transaction would be the $which we are owed With all this being said we cannot accept anything other that the new address he noted on the on 11/5/and therefore request that this transaction be handled by our store manager Mr [redacted] onlyHe can be reached at XXX-XXX-XXXX We believe this is a very fair resolution to our customers' dilemma and one that the ATF and BMV wilhind equitable [redacted] Store Manager Lincolnway East South Bend, INXXXXX (XXX)XXX-XXXX Initial Consumer Rebuttal / [redacted] (3000, 15, 2015/12/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) While I'm famaliar with the ATF rules(r)s, and abide by them 100%, my point is the staff at W.W.Pfailed to inform me at the moment I pawned my rifle that form would need to be filled out when I returned to retrieve my propertyWhen I initially pawned this item I filled out their paperwork with my correct address on it and handed them my drivers license to furthur confirm my identity, its at this moment they should have informed me of the discrepencies in addresses and the possible complications it could cause It not that I have ANY type of issue with this particular form, it's just that had I known at that time I would be required to fill out that form for submission to the ATF for the retrieval my property I wouldn't have pawned that particular item and would have returned home with it and brought something else instead Therefore I find W.W.P.'s solution that I only have to pay for one months interest and storage fee's (along with the loan amount) absolutely unacceptableI was forced to surrender ny CDL license years earlier than I needed (the rule of having your DL updated within days of a change in address doesn't always pertain to CDL holders for the fact we have other issues we need to address and submit, such as our long form physicals or submission of security clearences for our hazmat endorsements) to because of the stores ignorance and ineptness in pawning this particular item I also noticed in their response no mention of restitution for the costs involved in reobtaining my CDL license, something I find disturbing as well as insultingBecause of the staffs ignorance I feel that the fairest solution to this matter is the return of the loan amount ONLY, and restitution of the costs involved, to me, in reobtaining my CDL license If management finds this fair and equatable as I do we can move forwardIf not, we can let the Revdex.com decide and if they find that unacceptable as well we can let Small Claims Court decide this matter then Sincerely, [redacted] W [redacted] Final Business Response / [redacted] (4000, 18, 2015/12/23) */ Contact Name and Title: Mr [redacted] We are learning some very unsettling information about this situation Mr [redacted] says he is aware of ATF rules and wants to abide by themWe don't do business any other wayAnyone that has acquired a firearm through an FFL dealer knows the law with respect to filling out a form truthfully and honestlyHe cannot be the exceptionFilling out a carries a plethora of issues associated with qualifying to possess a firearmIf Mr [redacted] had failed any of the other questions on the form which could deny him access to the weapon who would he have blamed? More disturbing however are the facts relating to a CDL with an invalid address more than days oldTracy a year employee from the BMV in Indianapolis, IN gave our Administrative AsstRick the rules with respect to an invalid addressDue to the fact a CDL license is a Federal Mandate that is administered by the state of residency it is a direct violation to be in possession of a license with an incorrect address (more than days invalid) and if caught is punishable by fine, imprisonment, suspension or revocationAccording to the BMV Mr [redacted] could have done a number of things to prevent this situation from occurring Simply change the address on file for the licenseHe still would be under a suspended status and not able to operate a motorized vehicle but the address would be currentBecause of DOT, Haz Mat etcrules and regulations it is vital any CDL holder be available to receive information pertaining to rule and law changes through the US MailThat is why the day rule is importantEven in a suspended state it would be imperative Mr [redacted] be available by US MailAccording to Tracy this is something that all CDL license holders understandA fee of $would have been charged to change an address A valid drivers license is required to operate a motor vehicleMr [redacted] surely would understand the importance of being in possession of such a licenseWhy would he be against obtaining one in order to abide by the law? If he were ever to be charged with a felony for operating a vehicle without a valid license his right to own a firearm would be completely terminated An identification card can be issued by the BMV which serves as valid identification for the purposes of a firearm redemption or transactionThe fee to obtain such a card is less than $20! Why anyone would want to risk driving privileges or gun ownership over these issues is beyond meI am not here to judge anyone but Mr [redacted] is asking our company to pay for his problems involving everyday obligations we all have OFFER: I am willing to forgo all interest and storage fees and accept his repayment of the original loan amount of $for the redemption of the weapon if done so by 1/31/ I am still willing to help sell the gun to his buyer for no fee This is a very fair resolution in our eyes I want this issue to end peacefully and amicably Final Consumer Response / [redacted] (2000, 20, 2015/12/30) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 9, 2016/09/16) */
D-FLAWLESS INC
dba Worldwide Jewelry and Pawn
*** *** ***
** *** ***
Bristol, IN XXXXX
XXX-XXX-XXXX
*** (fax)
August 31,
Corporate Response to Complaint #XXXXXXXX
My name is *** *** and I am the Manager
at Worldwide Jewelry and Pawn in South Bend, INOn 3/8/Mr*** *** secured a pawn loan for *** using two rings as collateralIndiana State law allows for a day loan with a day grace period before any merchandise goes into a default stateIf the customer makes no interest or principal payments within that day period the secured items become the property of the Pawn Shop and are liquidatedThis is explained to the loan customer both verbally and in writing as per the attached loan ticketIf payments are indeed made within the day period the loans maturity date will continue to move into the futureThe new maturity date just depends on how much the customer paid
In this case the loan was initiated on 3/8/As you can see by the loan history report there was a payment made on 5/31/for *** which moved the maturity date from 4/8/to 5/17/The customer was given a receipt upon his payment showing this new date When you add the grace period to the new maturity of 5/17/your new default date (the day the pawn Shop can liquidate the collateral) moved to 7/17/Technically that is the date we could have liquidated the collateralAs you can see by the attached Loan History report we actually expired the loan in 8/4/at 11:09AMWe gave the customer days past the default date to redeem his loanWe, as a company determined long ago we want to give our customers every chance to redeem their collateral and indeed have a redemption rate of 78% corporate wide
On 08/25/Mr*** entered the pawn shop inquiring as to the status of this ring loanWhen looking up his loan # LT-SBXXXXXXX we informed Mr.*** that his items had been pulled and liquidated as of 08/04/We explained why and Mr*** understoodShortly after leaving, Mr Gregory's girlfriend entered the store, slammed her fist down on the pawn counter and informed me "we are going to replace her *** rings"I calmly explained to the girlfriend that the merchandise was no longer available but she continued yelling and using vulgar languageShe exited the store by kicking our front door openA few moments later she re-entered the store with MrGregory and continued to display irate tendencies and use even more vulgarityI informed customer that she was only making the situation worse and asked her politely to leave the storeMr*** asked his girlfriend to "leave the store before you get the cops called on you due to your behavior"His girlfriend then turned around and left the storeMr*** apologized for her behavior and said he would come back another time to redeem his laptop computer which he had on loan with us
It is not now nor has it ever been our intention to cause distress to our customersWe are willing to work with them to find amicable solutions to extend loans or potentially help replace defaulted itemsWe are also willing to make these items as affordable as possible to hopefully retain them as customers but it is our position that no wrongdoing or infraction has been committed on the part of Worldwide Jewelry and Pawn or by any of our staffWe will work with Mr*** to find rings that closely resemble the ones he lost (which were refined) and do so at a fair price
Respectfully,
Mr*** ***
Initial Consumer Rebuttal /* (3000, 11, 2016/09/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First of all their person I spoke with was a woman, so we can tell they are lying from the startSecondly, I didn't kick anythingI pushed the door openWe have had multiple loans with you and in several cases were late on payments you never liquidated before until you had a family heirloom worth a lot of money in your possessionThe woman I spoke with before I became upset never offered to help replace my items or anything, all she did was tell me that "I was making things worse for my STUFF" after that my husband asked what we would have to pay to get our belongings back, the woman replied "there is nothing I can do" that is when I became irateI was threated to what sounded to me like my rings were being held hostage! There are so many things wrong with this mans responseYou can tell he was not the one present

Initial Business Response /* (1000, 13, 2015/12/08) */

On 10/28/15 [redacted] brought in his Rossi rifle as collateral for a loan (pawn) at our South Bend IN location. Every customer must present a picture ID (almost always a state issued drivers license) when entering into a pawn...

transaction. The ID is scanned and entered automatically into our system. It is the only form of ID that is required by law for a transaction such as this.
Once an agreed upon loan price is determined, forms are filled out, fingerprints are taken, terms of the loan and redemption are discussed and the money is exchanged the pawn transaction is considered complete.
When Mr. [redacted] returned on 11/5/15, he was asked to fill out a federally issued form called a 4473 which allows for the transfer (pawn, sale, trade) of a firearm to an individual through a Federal Firearm Licensee. These forms must be filled out completely and without mistake or false information as it could lead to serious consequences for anyone charged with such an act. The ATF periodically performs inspections of all 10 of our stores as well as all Federal Firearms Licensees to review EVERY 4473 form in our file beginning from the last form that was inspected on their previous audit. This is a very serious matter that cannot be compromised.
The ID address presented at the time of redemption must match that filled out on the 4473 or it becomes null and void. Once a 4473 form is deemed to be filled out accurately, correctly and honestly the FFL must enter certain information into a National Database under US Government supervision (called NICS) in order to determine if the weapon can be returned to the customer who received the loan. Again this is a US Government (ATF) requirement. Any weapon returned or sold to an individual without this authorization to release can result in large fines, suspension of license, loss of license or jail time. This is taken very seriously in our company as we have had many hours of training in the handling of firearms during the loaning and selling process.

The customer was informed that we would not be able to accept the 4473 until he had a valid ID with his updated current address as required by Section A, part 2 of Federal Form 4473. We have enclosed the 4473 form along with pertinent highlighted information. We have also enclosed rules as set forth by the BMV which state that you MUST notify the BMV within 30 days of an address change. These are serious requirements for gun owners and licensed drivers to follow. We assume that individuals follow the rules and laws in their daily conduct. Mr. [redacted] was told this by one of our sales associates and then, in turn, by our store manager Mr. [redacted]. Mr [redacted] was upset and as you know claimed he had to wait in order to secure a new license with a valid address. We certainly understand that is his wish. Unfortunately the ATF has such stringent rules which leave no room for interpretation.
Resolution:
The amount of the loan was for $175.00. The accrued service charge was $40.25 as of 11/5/15. $215.25 would have been the amount due on 11/5/15 when Mr. [redacted] returned to redeem the loan. The customer stated that he did not remember being informed of this information at the beginning of the process so out of goodwill we will adjust the current service charges to revert back to 11/5/15 making the amount due of $215.25 regardless as to when he sorts out his problems with securing a new license.
From our perspective it is also acceptable for Mr. [redacted] to secure a picture ID card from the BMV with his current address for a very nominal fee.
We also are willing to 'sell' his weapon to the individual he mentioned in his complaint. The only payoff in that transaction would be the $215.25 which we are owed.
With all this being said we cannot accept anything other that the new address he noted on the 4473 on 11/5/15 and therefore request that this transaction be handled by our store manager Mr. [redacted] only. He can be reached at XXX-XXX-XXXX.
We believe this is a very fair resolution to our customers' dilemma and one that the ATF and BMV wilhind equitable.
[redacted]
Store Manager
1072 Lincolnway East South Bend, IN. XXXXX (XXX)XXX-XXXX
Initial Consumer Rebuttal /* (3000, 15, 2015/12/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
While I'm famaliar with the ATF rules(r)s, and abide by them 100%, my point is the staff at W.W.P. failed to inform me at the moment I pawned my rifle that form 4473 would need to be filled out when I returned to retrieve my property. When I initially pawned this item I filled out their paperwork with my correct address on it and handed them my drivers license to furthur confirm my identity, its at this moment they should have informed me of the discrepencies in addresses and the possible complications it could cause.
It not that I have ANY type of issue with this particular form, it's just that had I known at that time I would be required to fill out that form for submission to the ATF for the retrieval my property I wouldn't have pawned that particular item and would have returned home with it and brought something else instead.
Therefore I find W.W.P.'s solution that I only have to pay for one months interest and storage fee's (along with the loan amount) absolutely unacceptable. I was forced to surrender ny CDL license 2 years earlier than I needed (the rule of having your DL updated within 30 days of a change in address doesn't always pertain to CDL holders for the fact we have other issues we need to address and submit, such as our long form physicals or submission of security clearences for our hazmat endorsements) to because of the stores ignorance and ineptness in pawning this particular item.
I also noticed in their response no mention of restitution for the costs involved in reobtaining my CDL license, something I find disturbing as well as insulting. Because of the staffs ignorance I feel that the fairest solution to this matter is the return of the loan amount ONLY, and restitution of the costs involved, to me, in reobtaining my CDL license.
If management finds this fair and equatable as I do we can move forward. If not, we can let the Revdex.com decide and if they find that unacceptable as well we can let Small Claims Court decide this matter then.
Sincerely,
[redacted] W. [redacted]
Final Business Response /* (4000, 18, 2015/12/23) */
Contact Name and Title: Mr. [redacted]
We are learning some very unsettling information about this situation.
Mr [redacted] says he is aware of ATF rules and wants to abide by them. We don't do business any other way. Anyone that has acquired a firearm through an FFL dealer knows the law with respect to filling out a 4473 form truthfully and honestly. He cannot be the exception. Filling out a 4473 carries a plethora of issues associated with qualifying to possess a firearm. If Mr. [redacted] had failed any of the other questions on the form which could deny him access to the weapon who would he have blamed?
More disturbing however are the facts relating to a CDL with an invalid address more than 30 days old. Tracy a 16 year employee from the BMV in Indianapolis, IN gave our Administrative Asst. Rick the rules with respect to an invalid address. Due to the fact a CDL license is a Federal Mandate that is administered by the state of residency it is a direct violation to be in possession of a license with an incorrect address (more than 30 days invalid) and if caught is punishable by fine, imprisonment, suspension or revocation. According to the BMV Mr. [redacted] could have done a number of things to prevent this situation from occurring.
1. Simply change the address on file for the license. He still would be under a suspended status and not able to operate a motorized vehicle but the address would be current. Because of DOT, Haz Mat etc. rules and regulations it is vital any CDL holder be available to receive information pertaining to rule and law changes through the US Mail. That is why the 30 day rule is important. Even in a suspended state it would be imperative Mr. [redacted] be available by US Mail. According to Tracy this is something that all CDL license holders understand. A fee of $5.50 would have been charged to change an address.
2. A valid drivers license is required to operate a motor vehicle. Mr. [redacted] surely would understand the importance of being in possession of such a license. Why would he be against obtaining one in order to abide by the law? If he were ever to be charged with a felony for operating a vehicle without a valid license his right to own a firearm would be completely terminated.
3. An identification card can be issued by the BMV which serves as valid identification for the purposes of a firearm redemption or transaction. The fee to obtain such a card is less than $20!
Why anyone would want to risk driving privileges or gun ownership over these issues is beyond me. I am not here to judge anyone but Mr. [redacted] is asking our company to pay for his problems involving everyday obligations we all have.
OFFER:
I am willing to forgo all interest and storage fees and accept his repayment of the original loan amount of $175.00 for the redemption of the weapon if done so by 1/31/16.
I am still willing to help sell the gun to his buyer for no fee.
This is a very fair resolution in our eyes.
I want this issue to end peacefully and amicably.
Final Consumer Response /* (2000, 20, 2015/12/30) */
(The consumer indicated he/she ACCEPTED the response from the business.)