Spruce Lending Inc

Revdex.com:
I have reviewed the 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 post office may have sent notice to Viewtech that I had moved but mail was not being forwarded by the post office after the 1st mailed invoiceThe mail was delivered with the correct address on the invoice and not a postal address stamp on the front of the envelopeIf it was from the post office it would have been clear an update of address was required According to the staff member at Viewtech I spoke with- when they were first been notified they would take the returned mail and resend with the correct addressThis unfortunately gives the impression that they HAD undated their records and were AWARE of the change of addressAs much as all individual attempt to be infailable it is impossible to know when invoices are sent correctly to an address for the better part of a year that the update of address was not made by me or themI also still contend that if the terms of the agreement and billing is so simple why does every vendor due a payment either send an invoice or coupon bookLet me give you the response- because again humans are prone to forget things and the standard is you send a reminder
Regards,
*** ***

Viewtech is in the practice of sending out monthly billing statements on all accounts via United States Postal Service Great effort is made to ensure all customers receive their bill monthly In addition, monthly payments and due dates are fixed (meaning customers have the same
payment amount and due date every month) We also offer a variety of payment methods, including auto-debt and pay by phone options,, to alleviate the burdensome process of writing out a monthly check In the circumstance of Ms***, we have verified that monthly statements have been mailed and confirmed the correct address Further, we've notified Ms*** that her monthly payment is fixed and due on the same day of the month The issuance of a monthly billing statement, while not required by Viewtech to be sent but done as a complimentary service, does not abdicate her requirement of making her monthly payment. Again, we are happy to set up Ms*** on an auto debit plan or have her call us monthly on her due date to take a payment over the phone (at no additional cost to her) Ms*** is welcome to contact me personally if she'd like to discuss further. *** ***VP, Operations

We apologize for any frustration that Mr*** has experienced in his interaction with our Homeowner Support Team There are many reasons why the monitoring device of a system can go offline for a short period of time, such as a disruption in the customer's broadband service, this alone
does not mean that the solar system is not producing power If a system's monitoring is showing zero production for more than days, we will proactively reach out to the customer to research Since receiving Mr*** complaint, we have reached out to him to discuss his situation Upon the outcome of such investigation, we will determine the appropriate course of action

Sir,I basically was trying to pay a bill with the financial companyGot frustrated requested to speak with the managerI was on hold for a while then finally spoke to himThey want to confirm I was actually the person with the accountProvided all the information then still would not allow the
payment to go thruThe manager came thru and I spoke to himI told him that his workers seemed to be robots and unable to speak with themI hung up the phone on the managerHe called back and stated " Mr ***, I will screw your credit report in days" He then hung up the phone! I am appalled that he could threatened me like that as a managerWord to the effect of "Its what my government required of them to do in relation calling to collect a debtIs he foreign by the way he talks? They are supposed to record all their conversation as they say in their opening statement.What do I want accomplishedA letter of apology for the threatAny letter he writes to ruin my credit with the three credit bureaus may be blocked.If he has violated my rights as a consumer what are my action?

Horrible horrible company. I got a loan through them for a home improvement project. They have failed on multiple occasions to send me billing statements. I contacted customer survice twice which was a terrible expirence. After waiting a long time to talk to someone I spent the next hour arguing with the agent about my bill and suspending the late change since they didn’t send me a statement. I have never been late on a bill prior to issues with this company. I even set up reminders on their web page which they fail to send. I honestly do not understand how they are still in business, and after my expiernce I will never do business with them again.

Customer has a...

loan
with us for a home improvement that was performed in 2010.  His payment amount and due date are fixed and
have not changed since the start of his loan. 
In 2014, the customer moved and had the post office forward all incoming
mail to his new address.  However, the
customer did not notify us that he had a new address.  Therefore, his billing statements were being
forwarded by the post office.  After a
year of forwarding his mail, the post office stops such action and Viewtech
continues to send his mail to the previously listed address.  Again, the customer did not notify Viewtech
of his change in address.  As stated in
his loan agreement, the customer must notify us anytime there is a change in
address to ensure he is in receipt of his monthly billing statements. 
As we do with all
customer’s we are willing to work with the customer to resolve this situation
but the customer must also understand that per our agreement he was to notify
us of a change in address.  We are
willing to waive the late fees but he must immediately call us to make payment arrangements
and cure his account.

Dear Mr. [redacted], As you are aware, the signed agreement that we have on file for your account shows your rate at $0.119.  While you have communicated that you signed a change order with the installer to drop the rate $0.01/kWh to $0.109, we never received a copy of such change...

order.  However, after reviewing this with management, we are in agreement to change your rate to $0.109 and accommodate your request. We will be contacting you via email shortly with the amendment. Thank you.

Customer negotiated home improvements with Columbia Exteriors.  Customer elected to use financing to pay for the work through Viewtech Financial....

 As part of our financing process, the contractor presented a set of financing paperwork which included the interest rate (APR), terms and conditions.  Along with the financing paperwork, there is a 3 day right of rescission.  The customer did not elect to cancel the transaction.  Further, prior to funding of the account, the customer signed a completion certificate.  The completion certificate clearly states to not sign prior to all work being completed and complete customer satisfaction.  Based on the credit worthiness of the customer, the customer did obtain a very favorable rate for unsecured financing.  If the rate was an issue at time of approval, there was an opportunity for the customer to cancel the financing.  There have been several attempts to reach the customer to help resolve the situation that she is claiming.   Without her calling us back, we are unable to assist.   We are more than willing and able to help her with the contractor and resolve any remaining items that need to be completed.  We can facilitate a three way call with the customer and the contractor to determine if there is any service related work to be completed.

Per the customer's request, we have issued a credit in the amount of the amount of the customer's loss.  Our Homeowner Support manager has been communicating with the customer.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.The response from this business does not address the issue at hand, which is that it is nearly impossible to contact them.  Please advise why you make your customers sit on hold for an average of 15 minutes before being prompted to leave a message as no one is available.  Please advise why when I send emails they go unanswered.  And I do not accept their answer that a broadband outage caused my solar to not work, as that was not the case with me.  I do not accept their answer that their monitoring team would only reach out to me if I experienced an outage lasting 30 days or more, as the solar company, GCI advised that it should have been documented well before that.  I have still not been advised whether or not my system was still producing power during the time of the outage.  I would assume it did not, hence the large increase in my electric bill.  I am paying them for a service and I expect customer service in return.
Regards,
[redacted]

As stated in the initial response, we are willing to waive late fees but the customer must cure his delinquent status.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

We will have a response out later today.  I received this on 6/25 and given the 2 week window, have a few more days.  Thank you.