Payday Loan Resolution, LLC

We did the job you hired us to do and *** *** will be able to confirm our correspondence with themWe sent you the correspondence from the notes already, that is all you are gettingThis finishes our communication in regards to this situation

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
RevDex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

We have been playing phone tag and you have called a number that we no longer utilize and check infrequentlyWe left a message yesterday in regards to her account and have not received a call backPlease make sure you are calling our customer service # ###-###-####The phone number that you have
been calling belonged to your intake person *** and he is no longer works here

*** *** *** enrolled in our program in October Attached are all correspondence on her accountIn our contract it stipulates regarding payments, her last payment was return as a stop paymentIn the event of this, we immediately terminate clients from the programWe did follow our
agreement of sending client back money that was in escrow in the amount of $After sending her back that amount, *** *** *** had contacted me for additional fundsWe sent her an additional $in which she agreed tooSee Below: Thank you so much Lauren for your hard work! I would like the additional $My new address is *** *** *** ** *** Cincinnati, Ohio ***.On Wednesday, February 1, 3:PM, "***@pdlrllc.com" wrote:I am sorry the owners information is private and doesn't correspond with clientsI was able to speak to the owner in regards of your account and is willing to reinstate your account if you would like to stay in the program or an additional refund of $Please let me know which you would prefer. Thank you,Lauren P***Financial ControllerPayday Loan Resolution, LLC-------- Original Message --------Subject: RE: statusFrom: *** *** Date: Wed, February 01, 2:pmTo: "***@pdlrllc.com" Thank you can I have the owners contact information please? Sent from *** Mail on ***On Wed, Feb 1, at 1:PM, ***@pdlrllc.com wrote:After reviewing your account and per the agreement that was presented at the time of enrollment we would only be able to refund what we have alreadyThose were the available funds at the time of closureI will address this with the owner and see if anything would be additional.Thank you,Lauren P***Financial ControllerPayday Loan Resolution, LLC-------- Original Message --------Subject: statusFrom: *** *** Date: Wed, February 01, 1:pmTo: "***@pdlrllc.com" Hi, I just wanted to check the status of my refundThanks

I am trying to get in contact with someone that can give me a receipt of payment that was made to one of my creditors. They are saying my payment was never received but I received confirmation from Kaylyn that payment was made to them. Who can I contact?!?!?! The phone # is no longer in service and every time I email her, I receive the email back with an error.

The lenders removed all interest that you agreed to pay when you breached their contract with themWe contracted you on balances that would of needed additional monies when paid out to the lendersAll the lenders want at this point is the money you originally borrowedWe contract 35% of the enrolled balance as a starting figure, no guarantees of amount of settlementWhen we spoke, you admitted to being aware of interest not stopping just because you enrolled with usPlease tell me where you have proof of us terminating with *** to save face or is this just your determination because this is what you thinkYou have no idea of anything or what *** has now done to our company because once again of their decision not ours

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: Because I am not receiving the documentation that I requested based on the payments made.  It's clear they did not communicate with the other lender - otherwise sending me documentation would not be an issue. This is in line with all the other complaints against this company.
Regards,
[redacted]

We provided [redacted] the information that we would provide to all of our clients in her type of situation. [redacted] paid a total of $1317.00, Nsfed 3 payments totaling $653.00. The NSFs were 2 in November and 1 in December. The client had requested all settlement letter involved in her program,...

however, we only provide clients with the accounts that have actually been paid out for many reason. We did have settlements with [redacted], paying $418.00 and one with [redacted]. Unfortunately, do to her 3 consecutive NSF's, we were unable to pay [redacted] and in this insistence the client would not receive a copy of settlement on an unpaid loan. We did provide her verbatim what was exactly corresponded with the lender. We will not provide her a signed proposal, that means we are stating it was paid to [redacted] and will not tarnish our relationships with our lenders. As for [redacted]s, they are a separate company from ours and have no control over access, client needs to call them directly. Client will not be receiving a refund, do to the history of her account and the work done.

But they never reached out an if the person that signs us up for there business is giving out the wrong information that still falls back on the company. When asked questions about how everything will go we were told totally different information. All im saying is we signed up with a different understanding of what would be taking place an it never happened. Even when the loan people reached out to them they never called back. If one your the company 3rd party people delivered out wrong information that still falls back on the company an I really feel like its the company fault. I work in customer service an we are also a 3rd party company an when ever we have deliver out the wrong information its falls back on the company an someone has to pay. But seeing that 5 months went by an the loan company wasnt able to talk to nor did they hear back from payday loan I feel that falls on payday loan. In the contract ot states that u guys reach out to the companies listed an agree to work out a payment plan is not true you all ready put down how much you think the company would take but what if they said no an they wanted the full amount. What would be next u would of asked me for more money. At the end of the day you are responsible for who you hire an if wrong information was given out on your end that falls on payday loan.
 
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me. 
[redacted]
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:[redacted] lost 1 billion dollars in market value in one day for dragging one man off a plane due to their own mistake. It may cost you sooner or it may cost you later, but it will always cost you when you don't treat people the right way.  ““When a man gives his neighbor valuables or goods to keep, but they are stolen from that person’s house, the thief, if caught, must repay double.”??Exodus? ?22:7? ?CSB??Regards,[redacted]

I will have my customer service manager reach out to client personally, in which we apologize for error in communication.

An attachment of her contract is included.

In reference to the complaint listed below, [redacted] enrolled in our program on March 7, 2016. At that...

time and till her request to cancel, we have worked on her file and had sent out settlement offers to all of the lenders enrolled. When the client had requested to cancel, we sent back her remaining funds available in her [redacted]’s escrow account . As stated in our contract, we are only subjected to send back the amount in escrow if client is wanting to cancel. Unfortunately, [redacted], breach her contract when she had requested to cancel after she was unable to defer her payment. She had called in to late and the payment had already begun processing in [redacted]’s system. Client became upset and belligerent to my customer service representative, in which, we will not allow a client to use profanity of any manner. We repeated asked client to please calm down, but was unwilling. Currently at this moment, we will not be sending any additional funds back to client. Thank you, Lauren P[redacted]Financial Controller

Below is correspondence that we have had with the client, she skipped numerous payments and requested for her account to be cancelled. She is only eligible to receive money that was remaining in her [redacted] account. We have worked on her account since Feb, when she first enrolled. We are a settlement...

company, it takes time for us to reach settlements for clients and getting their accounts built up with funds for the lenders. When you skip payments its a defeatist to your program. Client will not be receiving and more of a refund.  To: [redacted]Good morning, I apologize if there was any confusion in my previous email. Your two most recent payments NSF (Non-Sufficient Funds) back to back. As stated in the second page of your contract 2 or more NSFs are grounds for automatic termination from our program. We are trying to get you back on track to avoid cancelling your contract, as technically you already exceeded the amount of missed payments.   However, if you do not make this payment on May 19th that will be your 3rd NSF and your account will be cancelled. I can reschedule the 2 payments you missed but I cannot reschedule 3.  2 missed payments is already a violation of your contract and we are trying our best to assist you but we need your assistance as well.  Are you able to make up one or both of your missed payments on May 26th?  Or is there a better date to make up each payment?[redacted]
[redacted]I dont get paid til the 26th an I can make it up on that day but I wont have no funds available until then05/18/17 16:16 [redacted] and I going back and forth about defering next payment to later in the month. Advised I couldn't because she missed two payments back to back. Discussed with [redacted] and she agreed. If client doesn't make next scheduled payment, she will be cancelled.05/19/17 10:39 natalie1 Forwarded to L[redacted] for cancellation[redacted]
[redacted]
[redacted]Then yall should not try my account cause it wont go though an yall should cancel it today cause I wont have it til next week05/30/17 14:01 cid S.w client she completely  lost it when she received her refund ($81.92), wanted to know what happened to the rest of her $$. advised her fees took the funds. she doesn't understand we are NOT a consolidation and felt as if she was misinformed. Advised her its ALL outlined in her contract.. said she read the contract.......................................      she wouldn't let me barely speak and cursed at me before SHE HUNG UP05/30/17 14:07 cid Client called AGAIN after HANGING UP on me,from a 888 #, tone of voice changed.. didn't realize she was speaking to the same person. Advised her I just got off the phone with her and  starting going off again. repeated the same things during the first call and stated the bank wouldn't even let her cash the check because its "fake". wouldn't let me talk again, even trying getting in that I would send her a screen shot of global. every time I would speak she would talk over me, starting cursing again advised her at this time I will need to end call. Client  HUNG UP ON ME AGAIN. Also said she was going to report us to the Revdex.com. Advised [redacted]

When a client enrolls with our company, we have them sign, acknowledge, and agree to what is specifically stated in our contracts. When revoking authorization from debiting their accounts they will be immediately cancelled, without any questions asked. Revoking authorization is stipulating that...

we are committing fraud and we never had authorization in the beginning to debit. Unfortunately, our bank uses these types of revocations against our company and we have no course but to cancel the client. We do not accept mailing in payments, as clients never seem to send in payments to their schedules and this disrupts the settlement process. As for the request for a refund, we are only required to send back the balance in the escrow account, also stated in contract. Client paid in $2700.00 and we returned $700.00. She will not be receiving any additional refunds.

Our team has indeed helped [redacted] in the efforts to resolve and settle her debt. We had spoken to her on Monday in regards to her options and what she is able to do. She admitted to not reading the fees on the very front page of her contract and was unaware of the amount of money for our...

services. I then explained in further detail that the company accumulates fees for the work we do for our clients and stated as a consideration for her that she can accept the settlement and just cut us out. If we were a type of company looking to make money and not help the clients, then why would I state that to her? Just to clarify as well, we have an exception to the rule in regards to fees with our third party banking company we utilize. The rules and regulations in regards to the drawing of fees do not apply to us in this case. I did try to explain this to [redacted] yesterday. Whether the client likes to admit, we reached the settlement, regardless of what the attorney might have stated and the conversation from a day apart was very different as she felt she could use forces against our effects to help her. We are and have been in business for quite a long time and have always had the clients best interest in mind. The truth of the matter is, [redacted] got herself into this mess and required our services to help. As explained, we do not hide anything from our clients and everything is stated in the contract that [redacted] signed when she enrolled. Nobody on our staff forced her to sign up with us, she had a choice. Now, [redacted] is trying to fault us and blame us for something that she never read or cared understand. We never asked [redacted] to cancel, she did it on her own recognizance. We would of continued to pay the lender on her behalf, but she would need to make more of a payment and add additional payments to complete the agreement with the attorney. The refund sent to her is and is what she will be getting back as our contract specifically states, we are only required to send back remaining funds in escrow.

[redacted], enrolled in our program at the end of Jan and first payment began as of the 10th of Feb. She had been consistent with all of her payments, however,  her last payment was returned for account closed status. As per, our contract we give clients 7 days to notify us of any...

changes in current information on file. If we do not receive the necessary information to process deposits for settlement purposes, clients are removed from the program and receive any money remaining in their escrow accounts. [redacted] failed to get us her new bank information. The reason for her removal is explained as, our third party company charges fees and clients money gets depleted. She was given the opportunity to resend the bank information in to get everything reopened, but choose not to listen to my Customer Service Manager. She was rude and yelled at my staff, which will not be tolerated. She had requested that myself and my staff spend the time to go through her contract completely over the phone, when she acknowledge the contract originally when enrolling in the program. We deal with numerous consumers that require us to service there needs and we don't have the staff members to agree to her demand. She was sent the contract again and she called in with numerous question. My Customer Service Rep, did acknowledge and answer all her questions by going through all notes on her account with her. She did receive a refund, however, was reversed for the fact of the matter that she is recalling all her deposits with her bank. We will not be sending her back any funds as we will not take any losses for our company.

Have a great day, [redacted]

Unfortunately, there are always 3 sides to every story. In a case such as the client that you found does not justify anything without knowing the exact situation. [redacted] your cases is very different and we were willing to help you. We have been in business this long because we do help the consumers that get themselves into the difficulties with taking out payday loans. Just because you are listening to what an an employee of an attorney's office as far as fees, you think you are able to use that against us. If it was illegal we wouldn't be able to do it with GCS, as they are run by federal guidelines. My suggestion is to do your research before relying on someone that has no understanding of our business procedures. You are only getting back what we sent you and good luck to you!