Aaa Emergency Tree Service, LLC

Initial Business Response / [redacted] (1000, 7, 2015/09/16) */ Contact Name and Title: Tony [redacted] Compliance Mgr Contact Phone: XXX-XXX-XXXX ext Contact Email: [redacted] @superior-auto.com September 9, Susan Firestine Revdex.com of Northern Indiana Parnell Ave Fort Wayne, IN XXXXX RE: Case # 26062529: [redacted] To the best of our knowledge, resolution to this complaint has been reached Superior Auto issued a credit to Mr***' account with SAC Finance in the amount of $1,SAC Finance, Incis the entity to which Mr***' vehicle purchase contract was assigned Mr [redacted] indicated to us that he is fully satisfied with this particular form of resolutionThe certificate of title for his vehicle has been transferred into his name, so he can go to any branch of the Indiana Bureau of Motor Vehicles at any time to obtain his plate and registration for the vehicle Based on Mr***' unambiguous expression of satisfaction, we feel as though no further action is necessary on our part at this time Cordially, Tony [redacted] Compliance Manager SAC Finance, Inc Saint Joe Rd Suite Fort Wayne, IN XXXXX Phone: (XXX)XXX-XXXX Fax: (XXX)XXX-XXXX OFFER: Initial Consumer Rebuttal / [redacted] (2000, 9, 2015/09/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) I have received an apology from Superior Auto's Compliance Manager and have applied the creditI appreciated the fact that I did not have to issue any further frustration with management as the matter was immediately focused on and resolved

Ms [redacted] did in fact purchase a vehicle described as a Suzuki XLfrom Superior Auto, Incon June 24, under the terms and conditions of a Retail Installment Contract and Security Agreement.Every vehicle at Superior Auto, Incis offered for sale under all applicable law, including the Federal Trade Commission’s Used Car RuleAccordingly, a document identified as a “Buyers Guide” was affixed to the vehicle while it was displayed for sale and remained affixed to the vehicle through the completion of the purchaseThe FTC Buyers Guide clearly and conspicuously indicated that no warranty was expressed or implied and that any repair would be at the sole expense of the purchaserA duplicate Buyers Guide was also signed by Ms ***, while finalizing the purchase.Furthermore, Superior Auto encourages all potential purchasers to have the vehicle inspected by a mechanic or repair facility of his or her own choice, prior to finalizing the purchaseIn addition to obtaining Ms***’s signature on the Buyers Guide, Ms [redacted] also signed an “Acknowledgement of Mechanical Inspection Option”The language contained in that document is as follows:“All buyers of the above described vehicle understand and acknowledge the following terms: Superior Auto, Increcommended that that the above described vehicle be inspected by a qualified automobile mechanic before the buyer(s) purchased said vehicleSuperior Auto, Incprovided the buyer(s) an opportunity to take said vehicle to a qualified mechanic for the purpose of such inspectionNo employee or representative of Superior Auto, Incsuggested, chose or otherwise recommended any mechanic for the purpose of such inspection.The above described vehicle is being sold "AS-IS" as further described on a separate Buyer's Guide, and Superior Auto, Incneither expresses nor implies any warranty associated with said vehicle._____ It is acknowledged by any and all buyers that the above described vehicle WAS INSPECTED by a qualified mechanic prior to its purchase._____ It is acknowledged by any and all buyers that the above described vehicle WAS NOT INSPECTED by a qualified mechanic prior to its purchase.”Ms [redacted] checked the second of these options thus she chose not to have the vehicle inspected prior to being purchased.A document identified as a “Used Vehicle Purchase Agreement” was also executed in conjunction with Ms***’s purchaseThis document contains a clear and conspicuous section which reiterates the fact that the vehicle was purchased without warrantyThat section reads as follows:“THIS VEHICLE IS SOLD AS IS, WHERE ISBuyer knowingly makes this purchase without any warranties, express or implied, by DealerDEALER EXPRESSLY DISCLAIMS ANY WARRANTY OF MERCHANTABILITY AND WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE.”Ms***’s statement that she called Superior Auto about the leak “two days after” the purchase is questionableOur investigation of this matter determined that a gentleman named Roger was the General Manager at the time Ms [redacted] first mentioned the water leak which she describes in her complaintOur Human Resource records indicate that Roger’s employment began in early September of That being said, it appears as though her first mention of the leak actually occurred during or after September of 2017.Our investigation also determined that we asked Ms [redacted] to obtain an estimate from a repair facility for the purpose of deciding whether we would be able to provide assistanceWe found that Ms [redacted] never provided such an estimate so it was reasonably presumed that she had the leak repairedMs [redacted] did occasionally call in the following months to ask about trading in the vehicle, but there was no further mention of the leak until February 26, at which time she was reminded that we requested a repair estimate months earlier.In summary, there was no warranty of any kind associated with Ms***’s purchaseThere are three different areas where Ms [redacted] acknowledged by her signature that there was no warranty expressed or impliedEven so, it should be emphasized that we did not refuse assistanceWe simply asked Ms [redacted] to obtain a written estimate from an auto repair facility as a matter of procedureShe did not provide us with any such estimateMs***’s desired resolution is to either have the vehicle exchanged or repairedWe do not see where exchanging the vehicle would be appropriateRegarding the possibility of repair, we again stress that Ms [redacted] needs to obtain a written estimate to determine whether assistance can be provided.Most Cordially,Tony ***

Initial Business Response /* (1000, 8, 2017/03/21) */
March 13,
*** ***
Northern Indiana Revdex.com
RE: Case # *** *** ***
On September 13, 2016, Mr*** did in fact purchase a certain Pontiac Grand Am from Superior Auto, Inc("we", "our") under
the terms and conditions of a Retail Installment Contract and Security AgreementPlease accept this as the official business response to Mr***'s complaint
Regarding the statement that our General Manager selected a particular vehicle because Mr*** was a "new customer", we emphasize that we objectively evaluate all credit applications pursuant the Equal Credit Opportunity ActThe amount financed for which any given applicant is approved may vary based on factors such as length of employment, length of residence, credit experience and debt-to-income calculationsMr***'s credit application was evaluated no differently than any other credit applicationThere was a maximum amount financed for which he qualified, and the vehicle that he purchased was based on that maximum amount; it was not based on the fact that he was a new customer
It should also be mentioned that we offer all vehicles for sale under applicable law, including but not limited to the Federal Trade Commission Used Car RuleA Buyers Guide, which clearly indicated that the vehicle was sold with no warranty expressed or implied, was provided with the sale of this vehicle and signed by Mr***Furthermore, Superior Auto gives each customer an opportunity to have the vehicle inspected by a mechanic or repair facility of his or her choice prior to completing the purchaseAccording to our records, Mr*** chose not to exercise his right to this pre-purchase inspection
In summary, Mr***'s application for credit was processed pursuant to all applicable lawThere was a maximum amount of credit for which he was approvedThat amount was determined by our underwriting procedures, which include but are not limited to factors such as those previously mentionedAt the time Mr***'s credit application was approved at our Kendallville, IN dealership, the selection of vehicles was narrowed due the maximum amount of financing for which he was approvedHowever, Mr*** had the opportunity to wait for other qualifying vehicles to arrive at our Kendallville dealershipMoreover, Mr*** had the opportunity to search for other qualifying vehicles via our websiteWe have over 1,vehicles in our company-wide inventoryMr*** purchased the Grand Am of his own choice
Regarding Mr***'s desired resolution, we do not feel as though it would be appropriate to replace his vehicle at this time
Cordially,
*** ***
Compliance Manager
Superior Auto, Inc

Initial Business Response /* (1000, 15, 2017/03/15) */
March 8,
*** ***
Northern Indiana Revdex.com
RE: Case # *** *** ***
Ms*** did in fact purchase a motor vehicle from Superior Auto, Incon 3/14/pursuant to the terms and conditions of a
retail installment contract and security agreement("Contract") The Contract was assigned to SAC Finance, Inc("SAC") on 3/15/
All vehicles at Superior Auto, Incare offered for sale under all applicable law, including the Federal Trade Commission Used Car RuleAdditionally, Superior Auto encourages all potential purchasers to have the vehicle inspected by a mechanic or repair facility of his or her own choice prior to finalizing the purchaseAccording to a document that Ms*** signed in conjunction with this purchase, she chose not exercise this pre-purchase inspection optionSuperior Auto neither expressed nor implied any type of warranty in conjunction with this saleMoreover, the statement that the Superior Auto General Manger cited the completion of a "20+ point inspection" simply has no basis in fact
In the first statement of this complaint, Ms*** indicated that her vehicle had cooling problems since the time of purchase(i.e., "...since we bought it.") However, our records indicate that Ms*** first informed us of a mechanical issue on or around September 7, 2016, which was approximately months after the purchaseThe issue that Ms*** cited at that time was that the vehicle needed "some new hoses"Our records indicate that the next mention of a mechanical issue occurred approximately months later, which is substantially consistent with the complaint
A work order dated 1/2/from the repair facility named in the complaint indicated an odometer reading 108,According to the Odometer Disclosure Statement that Ms*** signed when she purchased the vehicle on 3/14/2016, the odometer reading was 95,Ms*** appears to be basing her position on her opinion that Superior Auto sold her a vehicle while knowing that it had a cooling system problemHowever, the vehicle had been driven 12,miles by the time Ms*** requested assistance with financing the cooling system repairAny presumption that a seller would be able to predict that such a mechanical problem would occur months or 12,miles after the sale is simply not reasonableSAC extended financing to Ms*** at her request, but providing this type of assistance does not shift, charge or otherwise convey any responsibility to SAC in terms of her mechanical problems
It should also be mentioned that Ms*** continued to drive the vehicle while it was overheatingDuring a telephone conversation on 2/17/2017, Ms*** stated to me that she did exactly this in between follvisits to the repair facility and she did it more than onceOn or around 3/3/2017, the odometer reading on the vehicle was *** thus Ms*** drove the vehicle approximately *** miles subsequent to the radiator replacementIt should be vehemently emphasized that continuing to drive any vehicle as it overheats significantly increases the likelihood of major problemsAlthough Ms*** stated in her complaint that the repair facility may have missed the head gasket problem "...the previous times they'd worked on it", it is certainly possible and quite likely that her continued operation of the vehicle while it was overheating is what escalated the problem to the level of damaging the head gasket
Ms*** discontinued making payments on her account in early February and she clearly stated that she has no intention of making any further payments unless SAC pays for her mechanical problemWe firmly state that we have no intention to pay for any further repairs and we also feel as though forgiving any part of her financial obligation and/or or replacing her vehicle would not be appropriate at this time
Cordially,
*** ***
Compliance Manager
Initial Consumer Rebuttal /* (3000, 17, 2017/03/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response because the engine cooling problems began due to the incorrect radiator being installedThe radiator has never, not once, been worked on prior to the initial time it was taken in to *** Auto it came from Superior Auto that wayUpon the first inspection from the mechanic, the radiator installed was either incorrect or incorrectly installedThat is the same radiator that was sold to me with the vehicle from SACThey sold a vehicle that had the wrong radiator in it, which was then driven for *** miles, and it malfunctioned, potentially causing all subsequent problems
Additionally, *** the new manager at the branch, because they can't keep managersThree have so far handled this in less than a year*** indicated that I was at no fault, and that I should not have to pay for the repairWithin to days, his story had changedI assume once he had spoken to the higher upsEveryone, except for the powers that be, Can see that I did not do anything to cause this problemThe car was driven in between each individual trip to the mechanic because a) it had a clean bill of health from just being seen by the mechanic, and b) because how else am I supposed to get to work and pay the bills? Once the problem was noticed, in between each individual trip to the mechanic, the vehicle was only driven in absolute necessity situations until the mechanic could get it back into the shop
Superior auto exists only to make money off of those who can't get a traditional auto loanThey sell them sub par vehicles, Don't do any inspections on themOr they probably would have noticed that the radiator was a piece of junkand then stick it to the customer when their vehicles don't even last past the loan cycle
I have no problem going to court, I have all of my repair paperwork, as well as everything Dan and *** promised to me in regard to the situation***, I am sure, will have no problem speaking about his part in the situation in court***, probably not because he is still employed with the company and I imagine would fear for his job if he were to truthfully share his side of the situationIt would be one thing if superior auto had immediately said no! You are responsible for the repairsBut ***, clearly, indicated that I would not have to pay for the repairs because I was not at faultNow *** wants to put together a response to make it look like this is my faultNoSuperior auto sold me a vehicle with the wrong radiator in it, driving on said radiator caused the head gasket to leak, it was then misdiagnosed by the mechanicOnce *** realize that superior auto was not going to assist with any of the repairs, his response to me was that I could take it up with the attorney general and the Revdex.com against the mechanicSo instead, I will take it up against SAC with the attorney general and the Revdex.comThe vehicle has been at the repair shop since early February, I have refused to make a payment until we come up with an acceptable solution for both partiesI in no way wanted superior auto to get screwed in this dealUnfortunately, they don't care if I get screwedThat shows you the type of people, as well as the type of company, that they are
Final Business Response /* (4000, 21, 2017/03/28) */
March 25,
*** ***
Northern Indiana Revdex.com
RE: Case # *** *** ***
Business Response to consumer's rebuttal
Although there is no requirement for us to do so, as a matter of further customer service and good will, we make the following offerIf Ms*** brings her account current and keeps the account in good standing, we will either:
aPay *** toward the repair in question; provided such repair is completed by *** Auto Parts and Service or another repair facility that provides a reasonable estimate, or;
bCredit Ms***' account in the amount of ***
If Ms*** chooses to move forward with either of these options, she can contact me directly at the number shown below
Cordially,
*** ***
Compliance Manager
SAC Finance, Inc
(XXX)XXX-XXXX ext ***

Initial Business Response /* (1000, 12, 2015/07/13) */
Contact Name and Title: TONY ***-COMPLIANCE MGR
Contact Phone: XXX-XXX-XXXX X
Contact Email: ***@SUPERIOR-AUTO.COM
July 5,
*** ***
Revdex.com of Northern Indiana
Parnell Ave
Fort Wayne, IN
RE: Case #
26061325: *** ***
Mr*** purchased a vehicle from Superior Auto, Incon 3/20/under the terms of a retail installment contractThat contract was assigned to SAC Finance, Incon 3/31/
Superior Auto encourages all potential buyers to have the vehicle inspected by a qualified mechanic or repair facility of his or her own choice, and to have such inspection completed prior to finalizing the purchaseAccording to our records, Mr*** did not exercise this optionAll vehicles at Superior Auto are offered for sale under applicable law, including the Federal Trade Commission used car ruleSuperior Auto neither expresses nor implies any warranty in conjunction with the sale of vehicles
We agree that Mr*** expressed a concern about his driver side doorHowever, he did not mention this to Superior Auto until Friday, June 12th, and Superior Auto did not make any promise about repairing itAt that time, it was explained to Mr*** that the repair would be his responsibility as it was after the sale
Regarding the headlight, Mr*** stated in his complaint that he took the vehicle to a garage to have the headlight aligned and then "noticed the wiring is not good", but he made no indication that the headlight was not functioning properlyHowever, because this headlight was a pre-sale repair which we completed per Mr***'s request, we will consider providing assistance, but we would base that consideration on an estimate from a repair facility
Cordially,
*** ***
Compliance Manager
SAC Finance, Inc
Saint Joe Rd Suite
Fort Wayne, IN XXXXX
Phone: (XXX)XXX-XXXX
Fax: (XXX)XXX-XXXX
OFFER:

Ms. [redacted] did in fact purchase a vehicle
described as a 2008 Suzuki XL7 from Superior Auto, Inc. on June 24, 2017 under
the terms and conditions of a Retail Installment Contract and Security
Agreement.Every vehicle at Superior Auto, Inc. is offered
for sale under all applicable law, including...

the Federal Trade Commission’s
Used Car Rule. Accordingly, a
document identified as a “Buyers Guide” was affixed to the vehicle while it was
displayed for sale and remained affixed
to the vehicle through the completion of the purchase. The FTC Buyers Guide
clearly and conspicuously indicated that no warranty was expressed or implied
and that any repair would be at the sole expense of the purchaser. A duplicate
Buyers Guide was also signed by Ms.
[redacted], while finalizing the purchase.Furthermore, Superior Auto encourages all
potential purchasers to have the vehicle inspected by a mechanic or repair
facility of his or her own choice,
prior to finalizing the purchase. In addition to obtaining Ms. [redacted]’s
signature on the Buyers Guide, Ms. [redacted] also signed an “Acknowledgement of Mechanical Inspection Option”. The
language contained in that document is as follows:“All buyers of the above described vehicle
understand and acknowledge the following terms: Superior Auto, Inc. recommended that that the above described vehicle be inspected by a qualified automobile mechanic before the buyer(s) purchased said vehicle. Superior Auto, Inc. provided the buyer(s) an opportunity to take said vehicle to a qualified mechanic for the purpose of such inspectionNo employee or representative of Superior Auto, Inc. suggested, chose or otherwise recommended any mechanic for the purpose of such inspection.The above described vehicle is being sold "AS-IS" as further described on a separate Buyer's Guide, and Superior Auto, Inc. neither expresses nor implies any warranty associated with said vehicle._____ It is acknowledged by any and all
buyers that the above described vehicle WAS INSPECTED by a qualified mechanic prior to its purchase._____ It is acknowledged by any and all
buyers that the above described vehicle WAS NOT INSPECTED by a qualified mechanic prior to its purchase.”Ms. [redacted] checked the second of these options
thus she chose not to have the vehicle inspected prior to being purchased.A document identified as a “Used
Vehicle Purchase Agreement” was also executed in conjunction with Ms. [redacted]’s
purchase. This document
contains a clear and conspicuous section which reiterates the fact that the
vehicle was purchased without warranty. That section reads as follows:“THIS VEHICLE IS SOLD
AS IS, WHERE ISBuyer knowingly makes this
purchase without any warranties, express or implied, by Dealer. DEALER
EXPRESSLY DISCLAIMS ANY WARRANTY
OF MERCHANTABILITY AND WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE.”Ms. [redacted]’s statement that she
called Superior Auto about the leak “two days after” the purchase is
questionable. Our investigation of this matter determined that a gentleman named Roger was
the General Manager at the time Ms. [redacted] first mentioned the water leak which she describes in her
complaint. Our Human Resource records indicate that Roger’s employment began in
early September of 2017. That being said, it appears as though her first
mention of the leak actually occurred during or after September of 2017.Our investigation also determined
that we asked Ms. [redacted] to obtain an estimate from a repair facility for the
purpose of deciding whether we would be able to provide assistance. We found that Ms. [redacted] never provided such an
estimate so it was reasonably presumed that she had the leak repaired. Ms. [redacted] did occasionally
call in the following months to ask about trading in the vehicle, but there was no further mention of the leak until February 26,
2018 at which time she was reminded that we requested a repair estimate months earlier.In summary, there was no warranty
of any kind associated with Ms. [redacted]’s purchase. There are three different
areas where Ms. [redacted] acknowledged by her signature
that there was no warranty expressed or implied. Even so, it should be
emphasized that we did not refuse assistance. We simply
asked Ms. [redacted] to obtain a written estimate from an auto repair facility as a
matter of procedure. She did not provide us with any such estimate. Ms. [redacted]’s desired
resolution is to either have the vehicle exchanged or repaired. We do not see where exchanging the vehicle would be appropriate. Regarding
the possibility of repair, we again stress that Ms. [redacted] needs to obtain a written estimate to determine whether assistance can
be provided.Most Cordially,Tony [redacted]

Initial Business Response /* (1000, 7, 2015/09/16) */
Contact Name and Title: Tony [redacted] Compliance Mgr
Contact Phone: XXX-XXX-XXXX ext 343
Contact Email: [redacted]@superior-auto.com
September 9, 2015
Susan Firestine
Revdex.com of Northern Indiana
4011 Parnell Ave
Fort Wayne, IN XXXXX
RE: Case #...

26062529: [redacted]
To the best of our knowledge, resolution to this complaint has been reached.
Superior Auto issued a credit to Mr. [redacted]' account with SAC Finance in the amount of $1,000.00. SAC Finance, Inc. is the entity to which Mr. [redacted]' vehicle purchase contract was assigned.
Mr. [redacted] indicated to us that he is fully satisfied with this particular form of resolution. The certificate of title for his vehicle has been transferred into his name, so he can go to any branch of the Indiana Bureau of Motor Vehicles at any time to obtain his plate and registration for the vehicle.
Based on Mr. [redacted]' unambiguous expression of satisfaction, we feel as though no further action is necessary on our part at this time.
Cordially,
Tony [redacted]
Compliance Manager
SAC Finance, Inc.
6642 Saint Joe Rd Suite 100
Fort Wayne, IN XXXXX
Phone: (XXX)XXX-XXXX
Fax: (XXX)XXX-XXXX
OFFER:
Initial Consumer Rebuttal /* (2000, 9, 2015/09/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have received an apology from Superior Auto's Compliance Manager and have applied the credit. I appreciated the fact that I did not have to issue any further frustration with management as the matter was immediately focused on and resolved.