ComplaintsforConcord Servicing LLC

Loan Servicing

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Initial Complaint
01/09/2023
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.
I am currently under a payment contract with this company, Outside of the payment contract, this company debited my personal bank account in the amount of $577.04 on 01/02/2023, clearing 01/03/2023. When I called the company on 01/02/2023 and spoke to a representative, ******, I was advised that the payment was for a membership fee. When I advised ****** that my contract states that I am not responsible for this payment and that another company is, ****** refused a refund of the money. The $577.04 is an unauthorized debit to my account and the company refuses to refund the money to me. ****** stated that there is no call reference number but assured me that all calls are recorded.
Business response
01/10/2023

1/10/2023

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

RE:   BBB Complaint Case #: 18709725
         Account #: ******1654
         Equiant Financial Services Inc. and Still ********************

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 **************** used by Still ********************* 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 a refund is still in process. Unfortunately, the refund cannot be completely until the card that was originally on file can be put be back on file to refund back on. Please reach out to the resort to be able to get the refund issue resolved.

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
12/02/2022
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.
In October an account was opened by Triply which is mandatory at sign up. There is a 60 day same as cash which is coming up and I have no access to either mine or my wife's accounts. The fact there are two accounts is something we were never made aware with at the time and only found out later. There is no costumer service list for this company at all and they will charge 25% interest with giving me no ability to make a payment. My wife has not even received a single email or account number to even try to pay. The website just gave errors trying to log in with my account and said both there is already an account and that account does not exist during the same session have a screenshot to show.
Business response
12/09/2022
12/2/2022

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

RE:?BBB Complaint Case?# ********
Account?# ********1535
Equiant?Financial Services **** and Wyndham Destinations

Dear Better Business Bureau,

Please accept this correspondence as a response to the complaint filed?by ********************** dated 12/2/2022.

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 can confirm that you have two accounts, one under you and the other under your wife. Both accounts do have payments pending to payoff both. Account numbers are ************ and 264100001546.

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
11/09/2022
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.
In September 2021 my wife and I thought we were buying into a legitimate hotel (****************) club.We were told that we would get to use their properties for three weeks a year for the rest of our lives. We were charged $6,000 plus annual maintenance fees ($629). Then we were contacted by the company representative trying to charge us more money for their services. We told them we just wanted to cancel our policy, because we never used their services and already paid $2500. They told us we had to pay $23,000 if we wanted what was promised to us. This entire scheme seemed to good to be true but the lady delivering the seminar seems believable. Anyhow I am just trying to pay off the remaining balance of the $6,000 to be rid of these crooks but I literally cannot contact anyone. I called the telephone number and no body answers. I looked up email addresses and none are available online. I cannot find my balance anywhere. This is extremely frustrating and misleading by this company ****************, ************************** LLC, and Equiant Financial Service. None of these companies will answer their telephones or return messages. Hopefully I am not the only person that has complaints concerning these companies. I am a ************ Veteran and Retired Correctional Lieutenant who has been fooled and taken advantage of and need help.Thank You,
Business response
11/11/2022
11/9/2022

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

RE:?BBB Complaint Case?# ********
Account?# ********7939
Equiant?Financial Services **** and **********************

Dear Better Business Bureau,

Please accept this correspondence as a response to the complaint filed?by ************** dated 11/9/2022.

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 can confirm that the account has a payoff of $4,965.84 as of 11/11/2022. Equiant can assist with payments at ************.

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
10/20/2022
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.
In accordance with the Fair Credit Reporting act EQUIANT FINANCIAL SVCS Account Number: ******** , has violated my ********* U.S.C **** Section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A. Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions
Business response
10/26/2022
10/20/2022

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

RE:?BBB Complaint Case?# ********
Account?# ********9444
Equiant?Financial Services **** and **********************

Dear Better Business Bureau,

Please accept this correspondence as a response to the complaint filed?by ******************* dated 10/20/2022.

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 can confirm that this account is verified and credit reporting accurately.

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
09/27/2022
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 fianancial svcs, I never made a contract or agreement with equiant.I demand for this account to be removed from my credit report
Business response
10/04/2022
9/28/2022

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

RE:?BBB Complaint Case?# ********
Account?# ********9006
Equiant?Financial Services **** and ***************************

Dear Better Business Bureau,

Please accept this correspondence as a response to the complaint filed?by ****************** dated 9/28/2022.

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 can confirm that this account is verified and liable to the owners attached.

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
09/02/2022
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 bought Ac through ******************* in 2014, it was fiananced through ********* with auto pay from my bank, all payments made until 2 months ago, I just received a letter stating this "Our records indicate that the delinquent amount due is $269.37. We must recieve full amount within 15 days or we *** be forced to persue legal remedies and/or place your account with a collection agency, Failure to pay *** have an effect on your personal credit rating, Also as a reminder, ********* Financial filed and recorded a lien( specifically, a UCC-1 Financing Statement) against your home shortly after financing the sale of products and services from ******************* Services(or order service provider): This lien filing will be released when this Retail Charge Agreement is paid in full and *** impair your ability to sell or refinance your home if the delinquent balance is not brought current. We suggest arrangement options available to you." However all the information this company has given me is unavailabe for me to explore. When I called the Ovation Sales Finance Trust number they tell me they only deal in property taxes and when I tried to call the Equiant Financial Services there is no such number recored even their fax number doesn't work. So I have no idea what to do now. Or who to trust. The ** unit I bought was a little over $5 thousand and I've paid $7,680.00 to date. I've been paying on this since 2014 I think it should be paid off by now.
Business response
09/07/2022
9/2/2022

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

RE:?BBB Complaint Case?# ********
Account?# ********0885
Equiant?Financial Services **** and Ovation Sales Finance Trust

Dear Better Business Bureau,

Please accept this correspondence as a response to the complaint filed?by ******************** dated 9/2/2022.

Equiant Financial Services Inc. (Equiant) is the loan and billing?servicer?contracted by Ovation Sales Finance Trust, 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 verify the information on the accurate to be accurate and confirm that the account is not paid in full.

Any further inquiries should be directed to Ovation Sales Finance Trust at ************.

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
08/15/2022
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.
The original Loan that was financed by Equiant on the Timeshare we bought through ***************************** (GEVC) was originally $5,108.00 out of the $6,385.00 sale price all the way back on 2019. An Initial down payment was made for $1,277.00 and the remaining $5,108.00 was then financed. We have paid at $136.43 /month auto pay on time without late payment. We noticed on the History of payments that the amount on the monthly Paid interest was as much or close to the amount that was being applied to the Principal payment. Leaving a Principal Balance of $2,028.29 and a Payoff Amount of $2,035.29 as of 8/15/2022. Our 42nd payment of 136.43/month have just been applied which currently puts us to $5,730.06 paid up to date. We sent letters and recently called Equiant after a couple of different numbers to get a better explanation as to how everything is being calculated but got no response and they were not able to provide explanation on the phone as to how the Interest and total principal balance are being calculated. They stated that they just process the documents that GEVC forwards to them who also handle the loan procedures and might be able to help explain better, but they will still direct us back to Equiant which again puts us back to square one.As of 8/15/2022 in total including the down payment that was initially paid, we have paid a total amount of $7,007.06 out of the total sale price of $6,385.00 not including the stated remainder payoff amount of $2,035.29 and any other additional hidden charges such as the Impounds of $7.00/month. Based on our calculation, the total is projecting at estimated $9,042.35, which does not add up. To break it down so far, from the total amount of $5,730.06 that has been paid so far, $2,356.35 was applied towards the interest and only $3,079.71 was applied to the Principal loan. We ask for a resolution on the account of being paid in full and a receipt and deed of the Timeshare ownership. Thank You.
Business response
08/19/2022
8/15/2022

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

RE:?BBB Complaint Case?# ********
Account?# ********5608
Equiant?Financial Services **** and ***************************

Dear Better Business Bureau,

Please accept this correspondence as a response to the complaint filed?by ************** dated 8/15/2022.

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 can confirm that the account still is not paid in full, and that each monthly payment does partly go to interest rather than all to principal.

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

This should resolve and close the complaint.

Respectfully,
Equiant Financial Services Inc.
Initial Complaint
08/01/2022
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.
Hello I paid off my loan with Equiant and have contacted them for a receipt stating my loan was paid off and have asked for the deed of the timeshare and have not received anything. I would just like a receipt and the deed since I do own this property now. Thank you ****** and *********************
Business response
08/04/2022
8/1/2022
**************
RE:?BBB Complaint Case?# ********
Account?# ********3323
Equiant?Financial Services **** and ******************
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint filed?by ************** dated 8/1/2022.
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 can confirm that the account is Paid in full and closed, and a deed or receipt would come from the original creditor.
Any further inquiries should be directed to ****************** at ************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.
Initial Complaint
07/18/2022
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 Equiant and do not have a contract with Equiant Financial Services. They did not provide me with the original application like I asked.
Business response
07/20/2022
7/19/2022
******************
RE:?BBB Complaint Case?# ********
Account?# ********1860
Equiant?Financial Services **** and KGI Destinations
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint filed?by **************** dated 7/19/2022.
Equiant Financial Services Inc. (Equiant) is the loan and billing?servicer?contracted by KGI Destinations, 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, owner is confirmed on the account,and it is closed with accurate reporting.
Any further inquiries should be directed to KGI Destinations at ************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.
Initial Complaint
07/18/2022
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.
Equiant fraudulently took my FICO score down 200 points by not informing me that my autopay had not transferred from a lost card to a replacement card. When I finally got through, a person said they could not contact me, which is blatantly untrue. This payment is due to a scam timeshare scheme I fell for. I have paid the loan off in full and need information from them, but they will no longer answer the phone. I need my 850 score back. I need them to provide a deed back program or a surrender program for this time share scam. I have not used or been able to use it, nor did I receive the two bottles of wine that they promised when I went to their "90 minute" presentation that lasted far longer.
Business response
07/20/2022
7/18/2022
****************
RE:?BBB Complaint Case?# ********
Account?# ********7455
Equiant?Financial Services **** and Great Destinations
Dear Better Business Bureau,
Please accept this correspondence as a response to the complaint filed?by **************** dated 7/18/2022.
Equiant Financial Services Inc. (Equiant) is the loan and billing?servicer?contracted by Great Destinations, 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 confirm that the account is currently Paid in Full and closed with correct reporting.
Any further inquiries should be directed to Great Destinations at **************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.
Customer response
07/20/2022
Equiant did not contact me to let me know they were not receiving Credit card auto pay. Equiant made no attempt to contact me. Equiant ruined my perfect credit and their agent said my loan involved a bankruptcy. Equiant is making no attempt to address the details of my original complaint. I feel very strongly that both Equiant and their time share related companies are scams. Yes, I paid off the loan to the tune of over 6K and now have to pay another 2K to rid myself of this scam. I never even got the two bottles of wine they lured me in with.
Business response
07/29/2022
7/21/2022
****************
RE:?BBB Complaint Case?# ********
Account?# ********7455
Equiant?Financial Services **** and Great Destinations
Dear Better Business Bureau,
Equiant Financial Services Inc. (Equiant) is the loan and billing?servicer?contracted by Great Destinations, the original creditor.?Equiant did not take over ownership. The account is still with the original creditor with whom the marketplace interaction took place.
Account credit reporting has been updated and resolved to show Paid in Full with no lates.
Any further inquiries should be directed to Great Destinations at *************.
This should resolve and close the complaint.
Respectfully,
Equiant Financial Services Inc.
Customer response
08/02/2022
Equiant made no attempt to contact me, instead ruining my good credit. Equiant and Great Destinations are the same company, no matter the word shenanigans they want to pull. These time share scams are just that, scams. I am reporting them and am hoping something can be done about them. I do not accept their flimsy response.

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