ComplaintsforConcord Servicing LLC

Loan Servicing

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Initial Complaint
01/27/2024
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I want to assert that I am not liable for the debt that is linked to BLACKWELL RECOVERY, as there has been no contractual agreement between us. It is essential to emphasize that I have not willingly entered into any financial obligations with them. Furthermore, in my effort to address this issue appropriately and transparently, I made a formal request to WORLDMARK THE **** for the provision of the original contract relevant to this particular debt. Regrettably, despite this request, they have not fulfilled my inquiry by providing the requested documentation. This lack of transparency and cooperation from WORLDMARK THE **** has added to the complexity of the situation, making it necessary for me to seek further assistance and clarification to resolve this matter effectively.------------
Business response
01/30/2024
Hello,

We are not able to locate a customer with the information provided. We did a search by name, address, and phone number. If a copy of a statement can be provided, an account number, or maybe a different name that the account could be under. Please provide additional information so that we can locate this account.

Thank you!
Initial Complaint
09/17/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This company shows that I owe $***** on my ******** credit report. from Dec 31, 2018. When I called Equiant Financial Services on Friday, September 15 to get information about this, I was told that they have no account for me and there's nothing in writing they can send me to indicate as such.
Business response
09/19/2023
9/19/2023

RE:   BBB Complaint Case #: ********
         Account #: ********4942
         Equiant Financial Services Inc. and ********* *******

Dear Better Business Bureau,

Please accept this correspondence as a response to the Mr. ****** dated 09/17/2023.

Equiant Financial Services Inc. (“Equiant”) is the loan and billing platform used by ********* ******* the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.

After a review of account ********* ******* will be reach out to you.

Any further inquiries should be directed to ********* ******* at ************** or ***************************

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Customer response
09/20/2023
The response does not explain why Equiant is showing on my credit report, as I do not have an account with Equiant.
Business response
09/21/2023
9/21/2023

RE:   BBB Complaint Case #: ********
         Account #: ********4942
         Equiant Financial Services Inc. and ********* *******

Dear Better Business Bureau,

Please accept this correspondence as a response to Mr. ****** dated 09/20/2023.

Equiant Financial Services Inc. (“Equiant”) is the loan and billing platform used by ********* *******, the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.

After a review of the accounts, Zealandia Capital is the original creditor. As well as ********* ******* is the company that hold your original contract associated with this account. Please reach out to ********* *******; for they will be able to assist you. ********* ********s contact information is listed below.

Any further inquiries should be directed to ********* ******* at ************** or **************************.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
09/02/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have a personal loan with Concord since October 1, 2021. Previously, this account was transferred from ***************. Recently, I was informed by a financial institution that Concord has my account listed as a mortgage. This changes my financial profile tremendously. I have contacted Concord several times, even spoken to a manager, requesting a copy of the contract so I can forward the correct information to the credit agencies. Upon speaking to them, I was told the contract will be sent to my email in 7-5 business days, then 1 -3 business days, finally 1 day. Each time I spoke to Concord I'm told a different story, never resolving the issue. I contacted FCC, the former agency to see if they may have had a copy of the contract. Unfortunately, they did not and informed me Concord should honor my request because all the information was forwarded to them. In order to correct my credit report, I will need a copy of the contract or Concord needs to contact the credit agency and correct the information that it's not a mortgage, but a personal loan.I appreciate your much needed and valued assistance. The BBB has helped me several times in the past. I'm grateful for your professionalism and support of customers as myself.Thank you again for your assistance!Best regards,*****************************
Initial Complaint
08/30/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
on 8/9/2023 i sent this letter to Equiant .EQUIANT FINANCIAL SERVICES is reporting my transactions and experiences specifically late payments on my consumer report:March 2017 90 days late February 2017 60 days late January 2017 30 days late Equiant is in clear violation of the law. Pursuant 15 USC ****a 2(A)(i) EXCLUSIONS- Except as provided in paragraph (3), the term consumer report does not include(A)subject to section ****s3 of this title, any(i)report containing information solely as to transactions or experiences between the consumer and the person making the report;THE LAW CLEARLY STATES:Transactions between the consumer (ME) and the person (EQUIANT FINANCIAL SERVICES) Making the report is NOT INCLUEDED on my Consumer report!A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!YOU HAVE VIOLATED THE **** 15USC ****a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.ACC # ******XXXXXX As out lined in 15 USC ****a 2Ai Congress specifically says transaction or experiences with the Consumer (me) and the person (*******) making the report is not included on my consumer report. Without a shadow of a doubt, you now know that the information you are reporting is in fact inaccurate.15 U.S. Code **** - Congressional findings and statement of purpose (a)Accuracy and fairness of credit reporting The Congress makes the following findings: (1) The banking system is dependent upon fair and accurate credit reporting. (4) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code ****b - Permissible purposes of consumer reports
Business response
08/31/2023

8/31/2023

RE:   BBB Complaint Case #: 20543399
        Account #: ********0097
        Equiant Financial Services Inc. and **********************

Dear Better Business Bureau,

Please accept this correspondence as a response to the ************** dated 08/30/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by ********************** the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.

After a review of account records the account in question does appear closed already. In order to change or delete the account reported you would need to reach out to **********************. Below is the contact information for **********************.

Any further inquiries should be directed to ********************** at ************** option 5.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Customer response
08/31/2023
sstar point isn't the one thatbis reporting this to the consumer reporting agency. This is why I sent this to Equiant. Experian said that they verified the information with them
Customer response
08/31/2023
sstar point isn't the one thatbis reporting this to the consumer reporting agency. This is why I sent this to Equiant. Experian said that they verified the information with them
Business response
08/31/2023

8/31/2023

RE:   BBB Complaint Case #: 20543399
        Account #: ********0097
        Equiant Financial Services Inc. and **********************

Dear Better Business Bureau,

Please accept this correspondence as a response to the ************** dated 08/30/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by ********************** the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.

After a review of account records ********************** is the original creditor. ********************** would need to be the ones to delete or change the credit history on the closed account. As for ******************** we are just the servicing agent for **********************. Listed below is the contact information for **********************.

Any further inquiries should be directed to ********************** at ************** option 5.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
08/21/2023
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for debt with **********************. I do not have a contract with EQUIANT FINANCIAL SERVICES, they did not provide me with original contract as I requested.
Business response
08/23/2023
8/23/2023

RE:   BBB Complaint Case #: *******
        Account #: ************
        Equiant Financial Services Inc. and **********************

Dear Better Business Bureau,

Please accept this correspondence as a response to the **************** dated 08/21/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by **********************, the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.

After a review of account records the account is was closed. We have notified ********* of this complaint. As well as sending a copy of the contract as requested. Any further question or inquires need to be directed to **********************. Listed below is the contact information.

Any further inquiries should be directed to ********************** at ************** option 5.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
07/26/2023
Complaint Type:
Order Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
*I am not liable for this Debt with GLOBAL EXCHANGE DEV CORP I do not have a contract with EQUIANT FINANCIAL SVCS, they did not provide me with the original contract as I requested.
Business response
07/27/2023
7/27/2023

RE:   BBB Complaint Case #: 20377041
        Account #: ********4376
        Equiant Financial Services Inc. and *************************** Corp

Dear Better Business Bureau,

Please accept this correspondence as a response to the **************** dated 07/26/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by *************************** Corp the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.

After a review of account records we have sent a copy of the complaint to *************************** Corp. As well as we have sent a copy of the contract requested. Any issue with credit reporting needs be directed to *************************** Corp due to Equiant Financial Services Inc. is the service provider for them.

Any further inquiries should be directed to *************************** Corp at ************** Ext #1.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Customer response
07/27/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, 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,

*****************************
Initial Complaint
07/21/2023
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
The questionable account with ******************** has been disputed numerous times and I have received no response or results to help benefit me. This account was last active in 2018. This alleged debt is currently keeping me back from being approved for a mortgage refinancing on my home. I'm looking to share my experience and hopefully the company will not continue to violate my consumer rights.
Business response
07/24/2023
7/24/2023

RE:   BBB Complaint Case #: 20353870
        Account #: ********0998
        Equiant Financial Services Inc. and *****************

Dear Better Business Bureau,

Please accept this correspondence as a response to the **************** dated 07/21/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by ***************** the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.

After a review of account records ***************** is go be in contact with you to answer question or confusion you have with them.

Any further inquiries should be directed to ***************** at **************.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
07/15/2023
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
We purchased a vacation package at Eldorado Royal in ****** on 10/2/22. This must be a 3rd party financial company. They will not answer any calls. I needed to change payment info and they keep sending late bills. This company is a scam. And we would like them investigated. We will be out almost $5,000 and probably a hit to our credit. I would like to terminate and be refunded.
Business response
07/18/2023
7/18/2023

RE:   BBB Complaint Case #: 20325720
        Account #: ********0226
        Equiant Financial Services Inc. and Exotic Travelers Membership

Dear Better Business Bureau,

Please accept this correspondence as a response to the ************** dated 07/15/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Exotic Travelers Membership the original creditor. Equiant did not take over ownership.The account is still with the original creditor with whom the marketplace interaction took place.

After a review of account records the account is in good standing. In order to see if the account can be terminated you would need to contact the resort. Listed below is the contact information.

Any further inquiries should be directed to Exotic Travelers Membership at ************** or emailing at **********************************************.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
07/11/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with Equiant Financial Services. The account has been paid and it has been closed.
Business response
07/18/2023
7/18/2023

RE:   BBB Complaint Case #: 20307343
        Account #: ********0631
        Equiant Financial Services Inc. and **********************

Dear Better Business Bureau,

Please accept this correspondence as a response to the *************** dated 07/12/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by **********************, the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.

After a review of account records the account appears to be closed at the credit bureau. If you have any questions or concerns in regards credit reporting before the account closed,they need to be directed to the resort. We have notified ********************** of this complaint.

Any further inquiries should be directed to ********************** at ************** option 5.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
07/09/2023
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with ********************************* I do not have a contract with Equiant. They did not provide me with the orignal contract as I requested
Business response
07/10/2023
7/10/2023

RE:   BBB Complaint Case #: 20296076
        Account #: ********3923
        Equiant Financial Services Inc. and *****************************

Dear Better Business Bureau,

Please accept this correspondence as a response to the Mr./************** dated 07/10/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by ***************************** the original creditor. Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.

After a review of account records we can mail the contract as request. For correction on the credit reporting; the request would need to come from *****************************. Listed below is the contact information for *****************************.

Any further inquiries should be directed to ***************************** at ************** Ext #1.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.

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