Target Finance, LLC complaints

Dear Business Consumer Alliance: Target Cash Now is in receipt of the above-referenced complaint filed with the BCA. We take all comments, good or bad, very seriously. The following is our response to the items noted. First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. Target Cash Now is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort Belknap Indian Community. Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed on the Target Cash Now website and is prominently displayed in loan documents that are reviewed and signed by the customer. Second, a Target Cash Now Representative confirmed the application information with Lessie prior to signing the loan documents on April 27, 2022. Later that day, Leslie called back into our customer service department, acknowledged the loan terms, and signed the loan agreement. Among this acknowledgement of the loan terms is the loan amortization schedule. Third, we certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by Leslie is legally binding. Thus, we have every right to expect payment as scheduled in the agreement. To date, Leslie has only made a partial repayment towards the total outstanding loan balance. Nevertheless, to amicably resolve this matter, Target Cash Now will settle Leslie's account for what has been paid, and we will consider this matter closed. This will be notated in Leslie's file, and we will block their identifying information in our system unless indicated otherwise by them in writing. We will be following up with Leslie with an email confirmation of this resolution. Correspondingly, Leslie, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions. We hope this letter resolves your concerns. As noted above, Target Cash Now is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond. Respectfully, Target Cash Now

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First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. Target Cash Now is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort Belknap Indian Community. Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed both on the Target Cash Now website, as well as prominently displayed in loan documents that are reviewed and signed by the customer. Second, we certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by Lakiesha is legally binding. Thus, we have every right to expect payment as scheduled in the agreement. To date, Lakiesha has only made a partial repayment towards the total outstanding loan balance. Nevertheless, to amicably resolve this matter, Target Cash Now will settle Lakiesha's account for what has been paid, and we will consider this matter closed. This will be notated Lakiesha's file, and we will block their identifying information in our system unless indicated otherwise by them in writing. We will be following up with Lakiesha with an email confirmation of this resolution. Correspondingly, Lakiesha, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions. We hope that this letter resolves any concerns. As noted above, Target Cash Now is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Respectfully, Target Cash Now

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