Jamal's Collision & Frame

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 #***However, it is disconcerting that it required countless efforts on my part and finally a complaint to the Revdex.com before my concerns were heardI 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 balanceGiven the number of similar complaints I have read since my ordeal, it is beyond me that TimePayment is still rated A+ by Revdex.comHaving said that, I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***

TimePayment would like to take this opportunity to better explain the terms of the contract that you have entered into with us, as well as explain our role in the transaction Please be advised that TimePayment Corpacted solely as a finance lessor in this transaction, extending credit to
you and *** *** *** *** d/b/a *** *** *** ***, in the form of a rental agreement, after receiving and approving the credit application, and after receiving the signed Non Cancelable Commercial Equipment Rental Agreement (copy attached), on October 26, 2016. TimePayment paid the independent equipment vendor, *** Systems, Inc., in full for the “RaaS Retail Bundle” listed on the Agreement, at which point the Agreement commenced. By signing the Agreement, you acknowledged your acceptance and understanding of all terms contained therein, including: that the Agreement is between you and TimePayment; that it is legally binding; that your obligations to TimePayment became irrevocable upon commencement of the Agreement; and that vendor is not an agent of TimePayment, vendor is not authorized to waive or alter the terms of the Agreement, and any representations made by vendor do not affect your obligations to TimePayment. You further acknowledged the Equipment Servicing term (see page 2, paragraph 12), which states “I understand that no servicing of any kind is provided by youI am to look to the Equipment Vendor/Supplier for any claims, servicing or warranties if any, and I specifically and unconditionally waive any claims, present or future, against youAny failure of the Equipment, service or misoperation of any kind, whatever, is no basis for nonfulfillment of my obligations under the Rental Agreement.” Please note that neither TimePayment nor *** Systems have any record of contact from you in regards to the equipment malfunctioning It is TimePayment’s position that the Rental Agreement is valid and enforceableTimePayment does not provide servicing, however you may contact *** Systems, who will assist with any equipment issues, including replacement if necessary, and expediting your on-boarding process

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 # ***Please add your rejection comments below.
[If you are rejecting the business's response please enter your rejection comments here.]
Regards,
*** ***

We apologize that you are not satisfied with our response to your complaintUnfortunately, TimePayment stands by our original response

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 # ***Please add your rejection comments below. *** is lying to you, They still haven't responded to the Revdex.com complaint we issued on them over two weeks ago. I have unanswered emails for days, They never return phone calls and if there is user error it is because WE HAVENT BEEN TRAINED. When we go to take a payment and the credit card machine doesn't work, NOT OUR FAULT. When we go to print a receipt and it doesn't work, NOT OUR FAULT. When we sell one item and come out of inventory, NOT OUR FAULT. I have contacted your customer service several times and they have acted like "not my problem" So if we cant come up with a common ground and this needs to go to court, you will also be named in the suit. It is unacceptable to sell equipment with a pos company that doesn't function properly. I would hope a company of your size would not partner or allow a partner to get away with such things. Please let me know what we can do.
Regards,
*** ***

TimePayment has located your account, and we have had the opportunity to review the matterWe would like to take this opportunity to better explain what is happening with your account, and address your resolution request As an initial matter, our records do reflect that your buyout payment
was received on May 5, Due to a system error, the account did not close at that time, which has caused statements to continue generatingPlease be advised that the account has now been closed, and a Universal Data Form has been sent to the credit bureaus, requesting that they update their information to show that account as having been paid-in-full and closed as of May 5thPlease disregard any notices or statements which may cross in the mailWe sincerely apologize for this error, and inconvenience Unfortunately, we are not able to assist with the equipment issues that you’ve experiencedTimePayment’s role in this transaction was solely that of a finance lessorAs stated in the “Warranties” section, on page 1, as a finance lessor, TimePayment has made no express or implied warranties on the equipment, nor any services and/or use of the equipmentPlease also refer to the ”Maintenance” section, located on page 2, which states that you are responsible for maintaining the equipment in good operating condition at your own expense (unless covered by a manufacturer’s warranty), and that you understand that TimePayment does not provide servicing of any kind We hope that our response has appropriately addressed your complaintShould you have any additional questions, please do not hesitate to contact our Lessee Relations department at ###-###-####, or at [email protected]

Revdex.com:There's a few but it would not give me a optionLets start with signatures on these documentsThese signatures have for one been altered, as well as are not my signatureIt looks like an attempt was madePlease explain.
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 # ***
Regards,
*** ***

TimePayment values its customers and we sincerely apologize for any negative experience you may have had. Please be advised that your account has been closed as paid in full, and the credit bureaus will be updated to reflect same. TimePayment will also request that the credit bureaus
remove any negative marks. Please note you will receive further confirmation of these actions by mail

As stated in the top left corner of that letter, it was mailed on September 11, We apologize for any notices that may have crossed in the mail - you can disregard themAs previously stated, your account has been closed and no further payments are due

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 #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***

TimePayment Corp(“TPC”) has received your complaint, and we have had the opportunity to review your accountIn our response, we will attempt to clarify the terms of the contract that you signed, as well as our role in this transactionYou have indicated that you communicated to your equipment
vendor, *** *** *** *** (“***”), that you were (essentially) seeking a loan in order to finance the automotive equipment that you needed for your businessSubsequently, *** directed you to TPC for financing of the commercial equipmentYou have further claimed that you did not read the contract before signing it and, therefore, were not aware that it was actually a Lease Agreement.Our records indicate that TPC received and approved your credit application on July 10, Prior to paying *** for the equipment and commencing the Lease Agreement, TPC requested and received a signed copy of the Non-Cancelable Commercial Equipment Lease Agreement, as well as a signed Delivery and Acceptance Form (“D&A”).The Lease Agreement boldly identifies itself as such at the top of page 1, as well as throughout the pages of the contractPlease refer to the top, left corner of page 1, which states: “This is a Lease Agreement between TimePayment Corp., and the LesseeLessee acknowledges that it is entering into this lease with TimePayment Corpand that TimePayment Corpis not in any way associated or affiliated with the Equipment Vendor, Dealer or ManufacturerThis is a legally binding contractIf the terms and conditions are not fully understood, legal advice should be sought before signing.”The Lease Agreement that you signed on behalf of *** *** d/b/a *** *** is for a non-cancelable term of months, at a base monthly amount of $(plus any applicable taxes and fees)Should you wish to pay the lease off early, you may do so by calling our Customer Service Department at our toll-free number to request a Lease Buyout QuoteUnfortunately, the contract that you signed is a Lease Agreement, and not a loan - as TimePayment Corpis an equipment leasing company, which does not offer cash loans, or loans of any other kindIt is TPC’s position that, as a business owner, you were charged with thoroughly reading and understanding the Lease Agreement before signing it, or reviewing it with a legal professional if the terms were not to your understandingWe apologize for any miscommunications which may have occurred between yourself and ***We encourage you to address this matter with *** directly, as TPC acted solely as a finance lessor in this transaction (as is more thoroughly described under UCC Article 2A), and did not represent the contract to be anything other than a Lease AgreementShould you have any additional questions or concerns related to the Lease Agreement, please do not hesitate to contact our Customer Service Department

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 # ***Please add your rejection comments below.
This is unacceptableAs this was made in error, my account can be adjusted to reflect the error being corrected and any more communication due to a "glitch" can and will be avoidedThe account must be changed to reflect no balance owed and no balance overdue as I do not wish to receive any more statements or communication whatsoeverNothing else will be acceptable.
Regards,
*** ***

TimePayment Corp.’s records indicate that we first received your electronic credit application from a company called ***.com, on May 3, After the application was approved, the Consumer Equipment Lease Agreement was sent to you via email, at the same email address that you have provided
in connection with your complaintThe document history indicates that the Lease Agreement was signed, electronically, on May 20, The equipment was shipped to the same address that you have provided in connection with your complaint If you maintain that you did not initiate this transaction, TimePayment’s Legal Resolutions Department has a process in-place for investigating claims of identity theftIf you would like for TimePayment’s Legal Resolutions Department to investigate your claim of identity theft, as it relates to this Consumer Equipment Lease, then please complete the attached Forgery Questionnaire and return it to us as soon as possible, along with the additional requested documentsOnce the completed Questionnaire and accompanying documents are received, our Legal Resolutions Department will commence a formal investigation into the matter and inform you of the outcome, in writing, within days from the date of receipt

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 # ***Please add your rejection comments below.
We would like for Time Payment Corpto remove all of their faulty equipment that has stopped working properly a few days after installation. I completed a complaint form prior to this one for the same company and I haven't heard anything? This company has not complied with our requests to remove the faulty equipment. No further contact from the business
Regards,
*** ***

TimePayment would like to take this opportunity to clarify that we did not “illegally sign [you] up for a contract.” Pursuant to the attached Non-Cancelable Commercial Equipment Lease Agreement (“Agreement”) that you signed, you agreed to submit a base amount of $per month, for months for
the leasing of a “POYNT Smart Terminal”A copy of this Agreement was mailed to you on August 15, 2016, along with a Welcome LetterTimePayment’s only role in this transaction was that of a finance lessor, purchasing equipment of your choosing from the independent equipment vendor of your choosing, in order to then lease that equipment back to you for a mutually-agreed-upon monthly amountWe first received your credit application on August 15, 2016, when it was submitted to us electronically by the independent equipment vendor, *** *** *** d/b/a *** (“***”)*** is a completely separate company from TimePaymentOur records do not indicate that any employees of TimePayment represented the Agreement as being anything other than what it is describwithin its terms and conditionsFurthermore, as the finance lessor, TimePayment did not remove the equipment from your business, and is not currently in possession of the equipmentNotwithstanding the above - due to the nature of this particular contract, TimePayment agrees to close the account and assign it back to ***You may wish to contact *** with any questions or concerns that you have, relating to correspondence which occurred prior to the Lease’s Commencement, or the whereabouts of the equipmentPlease disregard any billing statements which may cross in the mail

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 # ***Please add your rejection comments belowRegards,
*** *** Actually *** *** took the money from my accountBecause there was a error on the first application ***We did another application *** that was not processedHusband gave a new card number and the account was not processedWe are tired of going back and forth about this issueHe did what was asked of Time PaymentAnd all they are doing is giving excusesAnd keep re-doing accounts, that don't get processed

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 # ***Please add your rejection comments below.
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 # ***Please add your rejection comments below. First of all thank you for your responseRegarding first point, YES we are stating that *** ( sales rep from whatever company since there are names we are dealing with) stated there would be no penalty to pay off early and yes we can pay it off whenever and be responsible for taxes and fees for that timeSecondly, YES we are stating we were NEVER told we were entering a lease and that is the problemYes, we are aware of the name of company *** *** which again is why we were asking about the terminology, and like we said we trusted *** *** since we were a repeated customer so we chose to take advantage of the financing option which was not disclosed as a lease, however now we find out that *** *** *** is different and has nothing to do with Time PaymentThis is very confusing to understand from a consumer with each of your responsibilities and undefined roles you have, bottom line we were not informed this was a lease, even the welcome letter you attached does not state anywhere that it is a lease, it only states financing which again we were told it was a loan.We want out of this arrangement, if you want the equipment back we will definitely follow protocolWhat can be done at this point to resolve this miscommunication since you clearly stated your company values your customersBottom line since *** is not from Time Payment, we never talked to anyone from the company that we got the so called lease fromAgain the welcome letter you are referencing never stated lease, it only stated financing so again we trusted the rep from *** *** as well as *** *** since we previously done business togetherI can definitely do a complaint on *** *** *** as well since *** was the sales rep that did not properly disclose all needed information, we would like a copy of the recorded phone calls as well.
Regards,
*** ***

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 # ***. As I said before I have sent the questionnaire to youWith the facts that you produced, it is more than evident that there was a fraudOnce you can determine that and clear my credit, is when I will consider the issue resolvedTill then I can't say you have satisfied and resolved my issue!Thanks for your time
Regards,
*** ***

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 # ***Please add your rejection comments belowRegards,
*** ***

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 # ***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 closedHowever today I received the following message from TPC saying the following: Dear *** ***:Your account has been referred to our Collections Department for handlingI 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 AgreementPrior 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 sourceAny 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 equipmentAny such problems do not excuse your obligation to pay TimePayment under the terms of the Agreement you entered into with usAlso, 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,*** ***Collections Representative###-###-####, Extension *** Needless to say, TimePaymentCorp lied to me when they said that the account was closed and no payments are dueI am still receiving collection notices and I want them to stop right nowAs a result, I am officially rejecting their message until we get this matter resolvedPlease help me in getting this taken care of. Sincerely,*** ***