ComplaintsforConcord Servicing LLC

Loan Servicing

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Initial Complaint
07/05/2023
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.
Account Number: ************ Nature of Dispute: Collection / Charge off
Business response
07/07/2023

7/7/2023

RE:   BBB Complaint Case #: 20275948
        Account #: ********3432
        Equiant Financial Services Inc. and *********** Resort,LLC

Dear Better Business Bureau,

Please accept this correspondence as a response to the ****************** dated 07/05/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Kings Creek Resort, LLC 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 closed. In order to change the credit report history we, Equiant Financial Services Inc., would have to get request from the resort them selves to change the report. We would advise to speak with Kings Creek Resort, LLC to get this issue resolved. Listed belowis the contact information for Kings Creek Resort, LLC. We have also notified Kings Creek Resort, LLC of this communication. Thank you for reaching out to us.

Any further inquiries should be directed to Kings Creek Resorts, LLC at 1-866-228-.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
06/21/2023
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 this debt with EQUIANT FINANCIAL SERVICES. I do not have a contract with EQUIANT FINANCIAL SERVICES. They did not provide the original contract as requested.
Business response
06/23/2023

6/23/2023

RE:   BBB Complaint Case #: 20218316
        Account #: ********3138
        Equiant Financial Services Inc. and **********************

Dear Better Business Bureau,

Please accept this correspondence as a response to ********************* dated 06/22/2023.

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 had found your contract and will be forwarding it to you.As well as notifying the resort. Please reach out to the resort if there are any more questions or concern. Listed below are contact information.

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
06/07/2023
Complaint Type:
Sales and Advertising 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.
********************* in *********** provided misleading information with respect to the vacation club package they were offering. The presentation lead ** to believe that the package we were purchasing would allow ** to vacation for two weeks (**** points) when in reality it will not allow ** to vacation for even 1 week. The presentation was shifted and tailored to lead ** to believe that we cold vacation anywhere using these points for two weeks each year and that we could purchase unlimited additional points when in reality we could only purchase 50% of our package points (**** points for us).
Business response
06/08/2023
6/8/2023

RE:   BBB Complaint Case #: 20149605
        Account #: ********6728
        Equiant Financial Services Inc. and Palmera, LLC

Dear Better Business Bureau,

Please accept this correspondence as a response to **************** dated 06/07/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Palmera, LLC, 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, Equaint Financial Services would not be able to refund the requested amount. Unless told be the resort themselves. We would advise reaching out to the resort. Listed below is the contact information for the resort.

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
06/06/2023
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I was duped into purchasing a timeshare from ***************** in ***********, that Equiant financed, through misleading information. The presentation was manipulated based on the points being purchased to lead us to believe that we could spend 2 weeks in resorts all over the world with the points we were purchasing. They also stated that we could purchase additional points if we wanted to travel more or stay at a more expensive resort. What they did not tell ** was that the point purchases are limited to 50% of your package points. Additionally, I have tried to reach someone at Equiant many times and have never actually got to speak to a human after being on hold for hours. There practices are shady, they are not truthful, and they should be investigated.
Business response
06/06/2023
6/6/2023

RE:   BBB Complaint Case #: 20149605
        Account #: ********6728
        Equiant Financial Services Inc. and Palmera, LLC

Dear Better Business Bureau,

Please accept this correspondence as a response to **************** dated 06/06/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Palmera, LLC, 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 found there was not any extra charged on the account for the grey card. According to our payment history the account is good standing, and no additional charge was added on the account. Please contact the resort if you have any questions or concerns.

Any further inquiries should be directed to Palmera, LLC at **************.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Customer response
06/07/2023

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
06/06/2023
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
The entry "****** loan serviced by Equiant ************ DO NOT ACCEPT LOAN PAYMENT - SURRENDER OF ANY KIND IS NOT ALLOWED until loan is paid in full." has failed to be removed from an account that was paid off in 2014. Repeated attempts to contact Equiant to remedy this have had no response. *************************************************************************************** being placed on permanent hold for the "next available representative" for a total of 27 hours and 33 minutes with not one reaction from Equiant. An additional 19 attempts by electronic correspondence have recieved zero responses from Equiant. No originating paperwork was ever presented for the Diamond Resorts Contract Number ******** that included any connection to Equiant.
Business response
06/06/2023
6/6/2023

RE:   BBB Complaint Case #: 20179587
        Account #: *********0347
        Equiant Financial Services Inc. and Island One Resort

Dear Better Business Bureau,

Please accept this correspondence as a response to the **** dated 06/06/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Island One Resort 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 found there was not any extra charged on the account for the grey card. According to our payment history the account is good standing, and no additional charge was added on the account. Please contact the resort if you have any questions or concerns.

Any further inquiries should be directed to Island One Resort at **************.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Customer response
06/07/2023
This is the same response provided to every inquiry of this nature and can be found in a plethora of internet locations. The loan statement clearly states "****** loan serviced by Equiant ". Equiant is the originating party of the statement and Equiant would be the party to resolve the statement. If Equiant has no consideration in this matter as claimed then correspondence to this fact should be no issue to produce.
Business response
06/16/2023
6/16/2023

RE:   BBB Complaint Case #: 20179587
        Account #: *********0347
        Equiant Financial Services Inc. and Island One Resort

Dear Better Business Bureau,

Please accept this correspondence as a response to the **** dated 06/07/2023.

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 and reaching out to *************************** they had sent us a *** of the recorded mortgage as well as the recorded satisfaction letter. We will mail the documents. Listed below are the contact details for ****************************

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Customer response
06/25/2023
As of 6/25/23 the referenced correspondence stated to have been mailed on the 6/7/23 has not been received. Until said correspondence is received the complaint cannot be closed.
Initial Complaint
04/26/2023
Complaint Type:
Sales and Advertising 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 originally bought a timeshare with this company and was paying on time without ever using the timeshare as I was lied to during the presentation and there were never enough points to rent anywhere for a week. I then received notice that the unit i had been assigned to was condemned and I would be reassigned. At that point i contacted Capital Resorts by email that i would not be making any more payments and reassignment was not necessary. Equiant has now been reporting for a year that foreclosure has been started, lowering my score considerably. I have never received any notice of foreclosure. I would like the notice of foreclosure sent to me so we can work on a deed in lieu of foreclosure or just move forward with the foreclosure. If a foreclosure is not pending then my credit report needs to be updated correctly. I have tried calling the number provided and it has never been answered.
Business response
04/26/2023

4/26/2023

RE:   BBB Complaint Case #: 19985917
        Account #: ********4139
        Equiant Financial Services Inc. and Capital Vacation Resort

Dear Better Business Bureau,

Please accept this correspondence as a response to the complaint dated 04/26/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Capital Vacation Resort, 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 all credit report issues need to be direct at the resort. Equiant is the servicing platform used by Capital Vacations, the original creditor. Your account remains with the creditor. Please contact the resort if you have any questions or concerns.

Any further inquiries should be directed to Capital Vacation Resort at **************.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Customer response
04/27/2023
I disagree with this response. Equaint is the company on my credit report. If they do not take ownership of my account then they need to remove their credit reporting in regards to this account.
Business response
05/01/2023

5/1/2023

RE:   BBB Complaint Case #: 19985917
        Account #: ********4139
        Equiant Financial Services Inc. and Capital Vacation Resort

Dear Better Business Bureau,

Please accept this correspondence as a response to the complaint dated 04/26/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Capital Vacation Resort, 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 all credit report issues need to be direct at the resort. Equiant is the servicing platform used by Capital Vacations, the original creditor. Your account remains with the creditor. Please contact the resort if you have any questions or concerns. We have notified Capital Vacation Resort of your complaint. They should be reaching out to shortly. Thank you for letting us know.

Any further inquiries should be directed to Capital Vacation Resort at **************.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
03/07/2023
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I spent an hour and 45 minutes on 2 phones at the same time attempting to find out the amount I need to report on my taxes for our Spinnaker time share to no avail. I was given 5 different phone numbers but could not speak to the right person to give me that information. The hold times are ridiculously long. All they want you to do is leave a message, but who knows when or if they will call you back, send you an email, or text you. This is the only thing I need to complete my taxes and give them to the accountant. My Spinnaker ID is: *****, ******************** ID: ************, address: ******************************************************, email: ********************* phone number: ************.
Business response
03/08/2023

3/8/2023

****************

RE:   BBB Complaint Case #: 19548487
         Account #: ********0285
         Equiant Financial Services Inc. and Spinnaker Resorts, Inc

Dear Better Business Bureau,

Please accept this correspondence as a response to the complaint dated 03/07/23.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Spinnaker Resorts,****, 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 found the tax information being requested would at the resort. ***************** ****would be able to provided the information requested. Equiant does not house the tax documents. Please reach out to ***************** **** Listed below is the resort information. As well as we will forward this communication to notify them of the situation.

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Customer response
03/08/2023

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. I was able to get my info from Spinnaker after calling 6 different phone numbers I was given by Spinnaker and spending almost a combined time of almost 3 hours on hold, which is totally unacceptable. I was told by Spinnaker that it was bought out by Equiant. I got the info I needed, so I can now submit my taxes.

Regards,

*************************
Initial Complaint
03/06/2023
Complaint Type:
Product 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 business put my name first on a purchase that I did not know was basically a mortgage loan. They gave me misleading information to make a purchase. Afterwards, they reported negative activity to my account. This caused my credit score to drop. In an effort to preserve my credit score, payments were made to bring the account current. The company has not reported this new information to the credit bureau.
Business response
03/06/2023

3/6/2023

********************

RE:   BBB Complaint Case #: 19544663
         Account #: *******1907
         Equiant Financial Services Inc. and **********************

Dear Better Business Bureau,

Please accept this correspondence as a response to the complaint dated 03/06/2023.

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 found that in order to have the credit reporting fix you would need to contact the **********************.

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
01/19/2023
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 own timeshare with *********** in ************, **. We moved a year ago and can not locate the 12 digit code (number) to pay for our year fees. We have tried to call Equiant for the past several days. We have been on "hold" for over 6 hours. We have used two phones to try and reach this company. My husband was on hold for three hours this morning alone with no answer or response. When we don't pay our bill they will not give us time. **************** has a major problem. We did not chose to deal with this company and we have never had problems with paying our commitments. From other people I understand this is their way of deal with people, What a shame. HELP HELP HELP
Business response
01/20/2023
1/20/2023

*******************

RE:   BBB Complaint Case #: 18840725
         Account #: ******4069
         Equiant Financial Services Inc. and *********** Resort, LLC

Dear Better Business Bureau,

Please accept this correspondence as a response to the service issues dated 01/19/2023.

Equiant Financial Services Inc. (Equiant) is the loan and **************** used by Kings Creek Resort, LLC, 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, apologies that there was long hold time. The resort was probably had a high call time.Listed below is the numbers for our (Equiant) and the resort. Please try give a call now. Thank you for your patience.

Any further inquiries should be directed to Kings Creek Resort at **************.Or, at Equiant **************.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
01/09/2023
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.
Equiant sends out their annual maintenance fee statement which shows the following:Statement Date: 11/30/2022 Account Number: ************** Sapphire Basic Assessment: $447.23 Gray Card Benefit Option: $69.00 Minimum amount due is $447.23, total due is $516.23 if you elect the Gray Card Benefit Option. When accessing your online account there is not any breakdown of these fees. It only shows you the total due of $516.23 which includes the optional fee. This is a UDAAP violation. I have discussed this in the past with Equiant and each time they have indicated they will no longer show the optional fee on my statement.I paid my dues that was due by 12/31/2022, one day late and was assessed a $75.00 per the paper statement. Therefore, I included the $75.00 in with the minimum amount due of $447.23 for a total payment of $522.23 per their statement that includes the increase in amounts due if not paid by the designated dates. Now, today I receive a past due statement so I call to check my account, to hear that I have a balance due of $69.00 which is the optional fee for the Grey Card Benefit Option that I do not want. In trying to call Equiant I've been unable to reach a live person. You can only get information through the automated system. Please help!
Business response
01/10/2023

1/10/2023

*************

RE:   BBB Complaint Case #: 18712268
         Account #: ******9662
         Equiant Financial Services Inc. and ****************

Dear Better Business Bureau,

Please accept this correspondence as a response to the complaint by ************* dated 01/09/2023.

Equiant Financial Services Inc. (Equiant) is the loan and billing servicer contracted 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 found account is a Maintenance account. To get a better understand of the charges assessed on the account please reach out to resort

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Customer response
01/10/2023
Equiant is the servicer who sends the bills and accepts the maintenance fee payments on behalf of Sapphire. I am currently on hold with equiant for the 2nd day in a row trying to speak with a live agent. I've currently been holding for 1 hour and 24 minutes to speak to someone. I've never made any payments to **************** as my timeshare was paid in full before a first bill could be sent. I am requesting that Equiant remove that optional fee from my account as I've asked them to in the past. They're response or lack there of doesn't resolve my complaint. This is poor customer service all the way around the board and based on the number of complaints, they shouldn't be allowed to do servicing for anyone.

Business response
01/11/2023

1/11/2023

*************

RE:   BBB Complaint Case #: 18712268
         Account #: ******9662
         Equiant Financial Services Inc. and ****************

Dear Better Business Bureau,

Please accept this correspondence as a response to the complaint by ************* dated 01/09/2023.

Equiant Financial Services Inc. (Equiant) is the loan and billing servicer contracted 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 found account is a Maintenance account. We have removed the $69.00 balance on the grey card. The account should not have any balance due as of currently. We appreciate you take your take to reach out to us.

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.

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