Complaints

• Initial Complaint

  09/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I D***** ****** now come seeking your help in this said matter. I would like to explain to you all what has happen these crook people have cause me great suffering. - I would like_ .to explain I would greatly appreciate your help this this to get this lien remove off of my Property. This what happen; In 2002 I hire Good ~House Keeping Construction Co .. to add a Bedroom on the main floor of my home for. $25,000. in 2002 I pay the payment to Republe Equity CREDIT Services, Inc. at . 3*** ***** ******** ***. Chicago, Illinois 60601-:5382 .
  I paid them $299,89 per month from 2002 until 2009they kept over charging me as you can see in their paper work enclose in this letter.

  As you can see that I paid them over FORTY THOUSAND DOLLARS AS OF 2009. Since they were trying to rip me off as you can so I STOP PAYING. Now as time when on I did not hear anything in (TEN YEAR).

  Republe Equity Credit Ms. H***** ****** RECS Representative offer ~e this payoff for $5,000. I did agree and sent them $3500. as you can see in this paper work~ .

  I GOT SICK AND DID NOT HEAR F-ROM THEM UNTIL IN Dec.2019 They claim that they didn't get· this $3500. I did check with the Post Office and was told that my letter got lost in the mail.

  So in Dec.2019 H***** ****** sold this account to INTERSTATE TD Investment Owner AARON FABBIANS Secretary Teresa Torres Collection Manager Scott Halsema Acc.#DN3l8lA.

  Now in Dec.20l9 they gave me a payment plan of $lOO.per month and I have been paying this $lOO.and as of this above date they been taking $92.20 for Interest which mean less $8.go toward the debt. As can see in their letter dated Aug.30,2022 they are asking for $51.994.03 Dollars this amount is TEN TIME THE AMOUNT THAT REPULBLIC EQUITY CREDIT SERVICE, Inc. was asking as you can see they are taking advantage of Senior Citizen. They must be stop.

  Now as of Sept.15, 2022 payment I will have paid them at Interstate TD. These People is use me and other Special SENIOR CITIZEN TO RIP US OFF they must be stop.  I did not hear (NOTHING FROM THEM IN OVER TEN YEARS.

  Now in their letter Dated August.30 l 2022 they asking for $51.994.03 that is (TEN TIMES MORE THAN WHAT I ARGEE TO THE  Republic Equity Credit Service. H***** ****** Collection Representative I remain you that I stop paying in 2009 because they kea~ over charging me.

  I didn't hear nothing from her or anyone until" December 2019 That over Ten Years She made me a deal to pay $5,000 ~ and I did send her all' that I has $3500 . Whi,h she claim she didn't get. As the POST OFFICE TOLD HE THAT IT GOTTEN LOST TN THE HAIL.

  So she sold ths account To Interstate TD in 2019 I do feel that they are working together to RIP SENIOR CITIZEN We must why did they wait over TEN YEARS now as you can see from
  my DOCUMENTS . INTERSTATE TD told me in this paper .work from that $92.20 Of $100. I've been paying on$8.00 go toward the debt and at this rate this can never be pay. i have sent them a total of $4,000. I AGREE TO $5,000.

  I can't help that my letter gotten lost that's the Post Office mistake. I'm Seventy-Two years old now they are STRESSING ME OUT I've been hospitalize THREE IN THE PAST TWO YEARS THEY ARE TRYING TO KILL ME.

  My Doctor said that MY HEART CAN"T TAKE MUCH MORE OF THISHASASSMENT MUST STOP I pray to God that you all put an end to this.
  I have a Pacemaker.

   

  Business response

  10/17/2022

  In response to your request for documentation, please treat this as your full Qualified Written Response. Be advised, your client's signature on the original Note and Mortgage attest to the acceptance of all the loan tenllS originally agreed upon. These terms remain valid and enforceable, it is your client's responsibility to make timely monthly payments until the entire principal balance, interest and any other applicable charges are paid in full.

  Response to Customer Complaint;
  1. First of all we're not "crook people" as Mr. 18036610 accuses us of being. He took out a home improvement loan for $25K on 04/23/2002 at 11.99%. Copy enclosed.
  

  2. He did make payments to Old Republic Credit Services from 2002 to 2009, problem is he didn't make his payment every month. Copy of pay history enclosed.
  

  3. In 2003 he made II payments, 2004 he made 9 payments, 2005 he made 12 payments, 2006 he made 10 payments, 2007 he made 13 payments, 2008 he made 6 payments and 2009 he made 6 payments and in       2010 he made one payment.

  4. Claims he paid over $40, 000 through 2009, actually paid $22,796.64 and $2600 to Interstate so far.
  

  5. Claims Old Republic offered him a short payoff of $5,000 on a loan that as of 04119/2019 he owed over $47K on, which is true as long as it was received by 05113/2019. Copy of offer letter enclosed.

  6. Short payoff was never received, claims he forwarded $3500, copy of check is enclosed but dated 10116/2019 and never received by Old Republic. Was told by the Post Office his letter was lost in the mail.
  

  7. Claims that we offered a payment plan for $100.00/month, completely true. We dropped his interest rate to 5.00% and the $1 OO.OO/month was, he said, all he could afford.
  

  8. Claims that Old Republic was over charging him, in fact they were charging him exactly what he signed for on the contract.
  

  9. The loan has matured which we have offered to modify, fact is he never contacts to talk about a modification just keeps complaining about what is owed after missing almost 10 years of payments.
  

  10. Says he was never contacted, received a monthly statement from both Old Republic and Interstate he chose not to do anything about it.
  

  Customer response

  10/24/2022

  
  
  Complaint: 18036610
  
  I am rejecting this response because:

  Please see the attached Pdf for the consumers reason.
  
  Regards,
  
  D***** ******
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  
  

  Business response

  12/05/2022

  In response to your second request for documentation, please treat this as your full Qualified Written Response (QWR). Be advised, Mr. 18036610 signature on the original Note and Mortgage attest to the acceptance of all the loan terms originally agreed upon. These terms remain valid and enforceable, it is his responsibility to make timely monthly payments until the entire principal balance, interest and any other applicable charges are paid in full.

  Response to Customer Complaint:

  I. Copy of the Note showing a loan amount of $25,000.00 at 11.99% and taken out on 04/23/202 and signed by the borrower.
  

  2. Claims that he made seven years of payments of $299.89/month and paid over $40,000.00. We show the first payment was made on 08119/2002. From that date to 01111 /2010, his last payment he made a total of 74 Payments of $299.89 for $22,191.86. One payment of $604.78 for a combined total of $22,796.64, copy enclosed. Copy of complete pay history from Interstate showing a total amount received of $2,700, not the $4100 that is claimed. Please forward proof for the additional payments to bring the total over the claimed $40,000.00.
  

  3. Copy ofthe letter from Old Republic offering a short payoff of $5,000.00 no later than 05113/2019. This was never received, claims he sent a check for $3500 in May, enclosed copy of check, provided by the bon'ower, is dated 10116/2019.

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