Dispute and Refund Policy

This inquiry, dispute, and refund policy applies to you, as applicable, as either: a) a person owing payments on a loan or debt which Equiant is servicing, as a service provider on behalf of a lender or creditor (“Obligor” or “you”); or b) a user who has been granted access, via login credentials or otherwise, to Equiant’s platform for a fee (“Subscriber” or “you”). Such servicing and platform are provided by Equiant Financial Service Inc., an Arizona corporation (Equiant Financial Services Inc., and all of its affiliated companies collectively referred to as “Equiant” or “we” or “us”).  This Policy applies regarding to all interactions or transactions between you and Equiant.  This policy is incorporated in and forms a part of the Equiant Terms and Conditions of Use applicable to this website, also available at www.equiant.com.

DISPUTES OR INQUIRIES BY CONSUMERS/OBLIGORS

Equiant performs loan servicing, as a third-party service provider, on behalf of lenders to whom a borrower (“Obligor”) owes money.  Equiant performs its services for its clients, and responds to consumer inquiries and disputes, in accordance with all applicable law, including but not limited to laws regarding credit reporting and debt collection where applicable.  If Equiant is servicing a debt on which you are the Obligor, this section applies to your communications with Equiant about your account and debt:

  1. Credit reporting inquiries/disputes. Equiant recommends that you submit inquiries or disputes to the credit reporting agency whose report gave rise to your inquiry or dispute.  Equiant does not report to all credit reporting agencies.

If you wish to make an inquiry or dispute directly with Equiant, you must send your inquiry or dispute to the following address:

Equiant Financial Services

Attn: Disputes

500 N Juniper Dr.  Suite 100

Chandler, AZ  85226

Your inquiry or dispute must contain sufficient detail, as required by law, to enable Equiant to fully investigate and respond.

  1. Debt validation/inquiry. If you seek to dispute a debt or make other inquiries not specifically regarding credit reporting, Equiant recommends that you submit them directly to the lender to whom you owe the debt and for whom Equiant is a contracted servicer.

If you wish to make an inquiry or dispute directly with Equiant, you must send your inquiry or dispute to the following address:

Equiant Financial Services

Attn: Disputes

500 N Juniper Dr.  Suite 100

Chandler, AZ  85226

Your inquiry or dispute must contain sufficient detail as required by law, to enable Equiant to fully investigate and respond.

  1. Payment questions. If you have questions regarding payment, use the contact information located on the notice you received; alternatively, you may use the address set forth above, and address your inquiry to “Payments.”

PRIVACY

For information and inquiries regarding privacy and security policies, please see Equiant’s Privacy and Security Statement, located at  https://www.equiant.com/privacy-and-security-statement/.

DISPUTES BY SUBSCRIBERS

  1. Disputed Invoices. If you are a Subscriber and dispute all or a portion of any invoice with respect to your use of the platform or other Equiant services, you must provide Equiant with written notice of the dispute, containing detailed information and all reasons for such dispute, prior to the original due date for payment of the invoice.  You must pay all undisputed amounts or portions thereof by the original due date.  Such invoice dispute shall be handled pursuant to the dispute procedures below, except that if such dispute is not mutually resolved within thirty (30) days after the original due date, Equiant may suspend services until the dispute is resolved.
  2. Resolution Procedure. In the event of a dispute by a Subscriber regarding the business relationship between you and Equiant, the parties agree to convene a meeting (electronically or in person as mutually agreed) within 10 days after written notice of such dispute from one party to the other.  Such a meeting shall be between persons with authority to resolve the matter on behalf of each party.  If the parties are unable to mutually resolve the dispute within 20 days after said meeting, then either party may resort to litigation or any other dispute resolution method upon which eh parties may agree.  Nothing in this section shall prohibit either party from seeking immediate injunctive relief where allowed by law.
  3. REFUND POLICY. Equiant provides payment processing through its site and platform on behalf of clients who have entered into a contractual relationship with Equiant. All payment refunds to Subscribers are subject to the client’s review and authorization, where applicable, in order for Equiant to process any refund. Please contact the client on your statement for further details.

 

 

Version Effective Date: February 29, 2020

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