DPL-Surveillance-Equipment.com

These are new product announcements from my main website (Open 24/7/365). We have a life-time warranty / guarantee on all products. (Includes parts and labor). Here you will find a variety of cutting-edge Surveillance and Security-Related products and services. (Buy/Rent/Layaway) Post your own comments and concerns related to the specific products or services mentioned or on surveillance, security, privacy, etc.

Thursday, August 04, 2016

Consumers File Complaints Directly To Consumer Financial Protection Bureau (CFPB)














Consumers File Complaints Directly To
"Consumer Financial Protection Bureau"













When Katherine Moody noticed in April that the terms of her student loan changed, she typed up a brief note and filed it through the Consumer Financial Protection Bureau’s online complaint portal.




A day later, a representative from Navient Solutions Inc. called and restored the previous terms, scrapping the surprise conditions that would have added about $7,000 to overall payments, Ms. Moody said.





“In dealing with bureaucracy, I have low expectations,” said the 35-year-old librarian at a Wisconsin college. “But this worked out.” A Navient spokeswoman said a letter explaining the change wasn’t received by Ms. Moody before the change occurred.


PRO-DTECH II FREQUENCY DETECTOR
(Buy/Rent/Layaway)


The CFPB’s complaint portal has emerged as a go-to spot for consumers with frustrations about their financial firms. It has burnished the agency’s consumer-advocacy role, while also generating controversy with businesses and some lawmakers.


The bureau began accepting consumer complaints when it opened five years ago this month. It has since handled more than 930,000 consumer complaints on a range of financial services from mortgages and bank accounts to payday loans and virtual currency.



Consumers can opt to make public their verbatim complaints, which the CFPB calls narratives, without their personal information. All public complaints, whether they include narratives or not, name the company and response and note whether it was timely.

Some industry officials and Republican lawmakers say the database is rife with inaccurate information and doesn’t protect consumer privacy. The effort, some say, exemplifies government overreach, increases company expenses and undermines companies’ own procedures for handling customer complaints.







Grumbling intensified last year when the CFPB started publishing the narratives of complaints, a step that opponents say Congress didn’t authorize.





A House bill introduced in June would require the CFPB to verify all claims made in complaints. “Public disclosure of unverified consumer complaint narratives raises significant consumer-privacy issues and risks tarnishing the reputation of individual companies,” said Virginia O’Neill, senior vice president of the American Bankers Association’s Center for Regulatory Compliance.


CFPB Director Richard Cordray calls the database “part of our DNA,” playing an important role guiding the agency’s supervision of companies, enforcement actions, rule making and consumer protection. 




The agency has said that while it doesn’t verify claims made in complaints, it takes steps to authenticate all complaints, including checking documentation and verifying the consumer’s business relationship with the company. The agency says the process gives companies time and space to respond.






The CFPB processes many more complaints than similar programs run by other federal agencies. It handled around 271,600 in 2015, up 8% from 2014. The Transportation Department received 20,170 complaints last year from airline customers, and the Consumer Product Safety Commission’s complaint portal, SaferProducts.gov, also established in 2011 and often compared with the CFPB’s system, received 4,482 comments last year on products from cribs to drywall.


(Buy/Rent/Layaway)




Companies have added staff to answer CFPB complaints swiftly and have begun poring over the database to learn how their products and services measure up against their competition, companies and lawyers say.





Stephen Ross, a partner for Ernst And Young LLP’s fraud investigation and dispute services, describes the database as a “very transparent dataset that really puts the onus on financial institutions to investigate and respond.” Ernst And Young is among a number of firms that coach companies on how to respond to the portal and make use of its data.


Wireless Camera Finder
(Buy/Rent/Layaway)




Once a complaint is filed, the CFPB forwards it to the company, which has 15 days to respond to the CFPB. Complaints can be shared with other government agencies. Companies can resolve cases by providing monetary or nonmonetary relief or explanations to the customer. They can also flag inaccurate complaints. The CFPB says companies respond to 97% of the complaints.






CFPB officials say the agency uses the database to aid its activities in inspection, enforcement and rule making.

Navient, based in Wilmington, Del. and spun off from SLM Corp., also known as Sallie Mae, in 2014, said in its response that the change in her loan terms was prompted by a company review to set all customers at the “maximum term allowed by federal regulations.” Extending the duration of the loan lowers the customer’s monthly payment but increases the total interest paid over the life of the loan.





Earlier, citing some 1,300 complaints sent to the CFPB, the Justice Department ordered Navient and Sallie Mae in 2014 to pay back a total of $60 million to nearly 78,000 service members for allegedly overcharging on student loans. In settling the charges, the companies didn’t admit or deny the allegations.


(Buy/Rent/Layaway)


The company reviews customer comments in the database “to leverage their feedback to improve and enhance our service...and to make recommendations to policy makers on legislative and regulatory changes,” said Navient spokeswoman Patricia Christel.




Your questions and comments are greatly appreciated.



Monty Henry, Owner














www.DPL-Surveillance-Equipment.com















































NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA.

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA: http://www.dpl-surveillance-equipment.com/wireless_hidden_cameras.html

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

• Remote Video Access

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* You Buy Our DVR Boards And We'll Build Your Products! (Optional)









Our New Layaway Plan Adds Convenience For Online Shoppers










DPL-Surveillance-Equipment's layaway plan makes it easy for you to buy the products and services that you want by paying for them through manageable monthly payments that you set. Our intuitive calculator allows you to break down your order's purchase price into smaller payment amounts. Payments can be automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment® Services and you will receive your order once it's paid in full. Use it to plan and budget for holiday purchases, anniversaries, birthdays, vacations and more!


DPL-Surveillance-Equipment's Customers can now use the convenience of layaway online to help them get through these tough economic times.

We all shop now and then just to face a hard reality -- big credit card bills. However, our latest financing innovation can help you avoid that. Find out why more and more shoppers are checking out DPL-Surveillance-Equipment's e-layaway plan.

If you're drooling over a new nanny camera, longing for a GPS tracker, or wishing for that spy watch, but you're strapped for cash and can't afford to do credit, do what Jennie Kheen did. She bought her iPod docking station (hidden camera w/motion-activated DVR) online using our convenient lay-away plan.

Our online layaway plan works like the old-fashioned service stores used to offer. But, in Kheen's case, she went to DPL-Surveillance-Equipment.com, found the iPod docking station (hidden camera w/motion-activated DVR), then set up a payment plan.

"It's automatically drawn from my account," she said. "I have a budget, $208.00 a month.

In three months, Kheen had paid off the $650.00 iPod docking station. She paid another 3.9 percent service fee, which amounted to about $25.35 (plus $12.00 for shipping) for a total of $687.35.

"You pay a little bit each month," Kheen said. "It's paid off when you get it and you don't have it lingering over your head. It's great."

Flexible payment terms and automated payments make our layaway plan an affordable and fiscally responsible alternative to credit cards.

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It's quick, easy and FREE! No credit check required!

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Select the items or service you want and choose "e-layaway" as your payment option. Our payment calculator makes it easy for you to set up your payment terms.

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Payments are made on the schedule YOU set. Check your order status or adjust your payments online in a secure environment.

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Receive the product shortly after your last payment. The best part, it's paid in full... NO DEBT.

More Buying Power:

* Our lay-away plan offers a safe and affordable payment alternative without tying up your credit or subjecting the purchase to high-interest credit card fees.

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* Anyone 18 years old or older can join. All you need is an active bank account.

Freedom From Credit Cards:

* If you are near or beyond your credit limit or simply want to avoid high interest credit card fees, our e-layaway is the smart choice for you.

Flexible Payment Schedules:

* Similar to traditional layaway, e-layaway lets you make regular payments towards merchandise, with delivery upon payment in full. Payments are automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment®

A Tool for Planning Ahead:

* Our e-layaway makes it easy for smart shoppers like you to plan ahead and buy items such as bug detectors, nanny cameras, audio bugs, gps trackers, and more!

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Our e-layaway makes shopping painless by eliminating hidden charges and monthly interest fees. Our customers pay a flat transaction fee on the initial purchase price.

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Security and Identity Protection:

DPL-Surveillance-Equipment has partnered with trusted experts like McAfee and IDology to ensure the security and integrity of every transaction. Identity verification measures are integrated into our e-layaway system to prevent fraudulent purchases.

Note: Simply Choose e-Lay-Away as a "Payment Option" in The Shopping Cart



DPL-Surveillance-Equipment.com is a world leader in providing surveillance and security products and services to Government, Law Enforcement, Private Investigators, small and large companies worldwide. We have one of the largest varieties of state-of-the-art surveillance and counter-surveillance equipment including Personal Protection and Bug Detection Products.



Buy, rent or lease the same state-of-the-art surveillance and security equipment Detectives, PI's, the CIA and FBI use. Take back control!
DPL-Surveillance-Equipment.com

Phone: (1888) 344-3742 Toll Free USA
Local: (818) 344-3742
Fax (775) 249-9320

Monty@DPL-Surveillance-Equipment.com

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posted by DPL-Surveillance-Equipment | 10:14 PM

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