Auto Trakk

April 2, [redacted] Revdex.com of Metro Washington DC & Eastern Pennsylvania K St NW, 10th Floor Washington, DC 20005- Re: Complaint number [redacted] Dear [redacted] , I have received ** [redacted] ’s response for complaint # [redacted] The Activation Call or “Welcome Call” is completed on all new leasesIt is a required componant and must be completed before the new lease transaction can be completed I can certainly understand how securing another insurance policy could pose a hardship for ** [redacted] We have assisted ** [redacted] by allowing him to keep his [redacted] policy for days and would be willing to extend that by more days to ease the financial burden I’d be more than happy to discuss this situation with you at any time I may be reached at ###-###-#### Very Truly Yours, [redacted] Ombudsman

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: AutoTrakk has lied in their statement provided to the Revdex.com They claim that this contract is null and void without any charges or reporting to credit bureaus...I have proof that they in fact have reported the purchase to credit bureaus This information is listed in my credit report which is monitored by [redacted] ***[redacted] Credit Report Activity Your credit report lists the following account: Account: Type: Open Date: Closed Date: AUTOTRAKK Auto Aug 1, N/A Regards, [redacted]

Dear Ms***:Auto Trakk, LLC is still in the position of receiving a cancellation notice from Ms***'s insurance carrier ( [redacted] ***) and placing the account on holdThen reaching out to the insurance carrier after receiving a call from Ms [redacted] and removing the holdThank youRandy Baldwin

Dear [redacted] ***:I am in receipt of the complaint for [redacted] ***I have searched our data base of customers and cannot locate [redacted] ***'s accountDo you have any other additional information regarding his account so as to respond to the complaint.Thank you.Randy B [redacted] Auto Trakk, LLC

March 17, [redacted] Revdex.com of Metro Washington DC & Eastern Pennsylvania K St NW, 10th Floor Washington, DC 20005- Re: Complaint number [redacted] Dear [redacted] , I have received the complaint, # [redacted] , filed with the Revdex.com by [redacted] on March 13, AutoTrakk is an automobile financing company that provides an excellent, highly structured lease program for people that have had credit difficulties We give “credit- challenged” customers a way to drive high quality, late model cars with the security of a full powertrain warranty I would like to take this opportunity to apologize for the trouble ** [redacted] is having resolving his insurance concernsI understand how confusing insurance requirements can be, especially as they pertain to leased vehicles Please find the attached copy of ** [redacted] ’s AutoTrakk Lease AgreementAs you can see on page 3, paragraph of the agreement, the lease contract clearly spells out the insurance requirements of the leaseI would draw your attention to the line that states “All coverages must provide us with no less than days’ written notice of cancellation or reduction in coverage for any reason.” [redacted] does not meet our lease requirements for that very reasonThey will not report insurance policy changes to us in a timely fashion Every new AutoTrakk customer goes through the process of a welcome callThis welcome call clearly spells out by name, the handful of insurance companies that do not meet the lease requirements [redacted] is one of themThe wording from the welcome call script is as follows: “There are insurance companies that Autotrakk will not acceptThey are ***, [redacted] , [redacted] Insurance, [redacted] Insurance, and [redacted] as they do not meet the lease requirements.” To alleviate some of the hardship ** [redacted] is experiencing, we have given him days to secure insurance that meets his lease requirementsIn an attempt to assist ** [redacted] with the high cost of insurance premiums, his comprehensive and collision insurance is covered under AutoTrakk’s master policy I’d be more than happy to discuss this situation with you at any time I may be reached at ###-###-#### Very Truly Yours, [redacted] Ombudsman

[redacted] entered into a lease contract on 12/6/for the [redacted] The lease is a month term, with weekly payments of $ [redacted] has made weekly lease payment and remain on the leaseAt the completion of the lease term [redacted] has the option to trade the vehicle, turn it in or purchase the vehicle for the residual value and the purchase option feeShort of the lease terms and her options at lease completion, Auto Trakk, LLC is not aware of any other optionsThank youRandy B [redacted]

Dear [redacted] Auto Trakk, LLC is in receipt of [redacted] 's complaintOn September 1, our office spoke with [redacted] regarding her delinquent paymentsThere was no promise to pay document signed only a conversation with [redacted] advising her that her account would be flagged for a follow up regarding the outstanding balance.With respect to [redacted] not knowing she entered into a leasePlease be aware, [redacted] signed the lease agreement on May 9, 2015, which clearly evidences it is a leased vehicleFurther, [redacted] executed a welcome call with Auto Trakk, LLC, which goes over the lease and explains the vehicle is leased.Thank you.Randy B [redacted]

October 24, [redacted] Revdex.com of Metro Washington DC & Eastern PennsylvaniaK StNW, 10th FloorWashington, DC 20005- Re: Complaint number [redacted] Dear [redacted] , I have received the complaint # [redacted] , filed with the Revdex.com by [redacted] on October 22, AutoTrakk is an automobile financing company that provides an excellent, highly structured lease program for people that have had credit difficulties We give “credit- challenged” customers a way to drive high quality, late model cars with the security of a full powertrain warranty As I was not a party to the conversation between [redacted] and the dealership, I am unable to comment on any of the claims as to what was said in their conversations Please find the attached copy of [redacted] ’s Lease Agreement [redacted] claims that there are “hidden costs” and that she was unaware that it was a weekly payment systemAs you can see, there are no hidden costsOur Lease Agreement clearly itemizes all costs In the very top box of the Lease Agreement you can see the breakdown of [redacted] ’s weekly paymentsYou can see it clearly states that she has a payment of $due every FridayIf the customer does not make her payment by the following Tuesday at noon, the vehicle may not start until a payment is made As this is a weekly payment program, the customer would have weekly payments due a yearFour months each year there will be months with five FridaysIn these months, the customer would be responsible for five weekly payments The two payments made on 9/19/ [redacted] is referencing were part of her upfront fees paid at the time of the lease signingOne payment pays for the code that is entered into the device at the time the device is installed and the second code is given to the customer at the time of lease activation [redacted] ’s first payment that she had to call into make was not until 9/26/ [redacted] has called us and made payments all for only one week eachEvery payment except one has been paid past her Friday due datePlease see attached payment history One of the benefits of the AutoTrakk program is that you can pay around your pay cycleYou simply have to make sure that you prepay for any and all paymentsAutoTrakk is a prepaid transportation programIf you wish to pay bi-weekly, simply prepay for weeks and you will not have a payment due the following week as it has already been paid for [redacted] has never prepaid for any payments that were not part of her original down payment AutoTrakk never receives any of the funds paid as a down paymentAll of those monies are retained by the dealershipAny request for a refund of down payment would best be directed to the selling dealership I’d be more than happy to discuss this situation with you at any time I may be reached at ###-###-#### or via email at rc***@autotrakk.com Very Truly Yours, Rod C [redacted] Ombudsman

July 10, [redacted] Revdex.com of Metro Washington DC & Eastern Pennsylvania K StNW, 10th Floor Washington, DC 20005- Re: Complaint number [redacted] Dear Ms [redacted] , I have received the complaint, # [redacted] , filed with the Revdex.com by [redacted] S [redacted] on July 7, AutoTrakk is an automobile financing company that provides an excellent, highly structured lease program for people that have had credit difficultiesWe give “credit- challenged” customers a way to drive high quality, late model cars with the security of a full powertrain warranty Please find the attached lease agreement and device install agreement that were signed by Ms [redacted] at the inception of her lease.As AutoTrakk was not a party to the conversations between Ms [redacted] and the dealership, I am unable to comment on what was said in those conversationsMs [redacted] selected the vehicle and negotiated the price with the dealershipAutoTrakk simply leased the vehicle to Ms [redacted] in good faith Ms [redacted] claims that the dealership provided her with a payment amount of $As you can clearly see on Ms***’s lease agreement, her agreed upon weekly lease payment is $ Ms [redacted] claims that she had no knowledge of a payment reminder system being installed in her vehiclePlease see the attached Device Install AgreementYou can see Ms [redacted] initialed the document nine times and signed the document indicating that she read and understood its contents Ms [redacted] claims that she would like to be let out of the lease by paying $As you can see in item on page of Ms***’s lease agreement, the early termination fee would be $plus the adjusted lease balanceMs [redacted] currently has remaining weekly lease payments that would need to be satisfied Weekly payments are due every Friday at AutoTrakkPayments not received by the following Tuesday at noon will be assessed a 5% late fee where state law allows Ms [redacted] did experience and issue while making a payment via our website where the amount that was presented and paid was not the correct balanceMs [redacted] contacted an Account Specialist who quickly corrected the issue, gave Ms [redacted] a code and credited her account the difference between the two amounts totaling $ Ms [redacted] has requested to be “let out of this agreement fully with no penalties”The remaining lease payments would need to be paid in full to complete the lease agreementMs [redacted] currently has weekly payments remainingOne of the benefits of the AutoTrakk lease program is the ability to trade the vehicle in anytime the customer and the dealer can make the numbers work I am unable to find an instance on Ms***’s account where the payment reminder system has caused mechanical issues with her vehicleIf there was an issue with her vehicle and it was determined by a licensed mechanic that the payment reminder system was causing mechanical issues, AutoTrakk’s policy is to replace the payment reminder system at our expense I’d be more than happy to discuss this situation with you at any timeI may be reached at ###-###-#### or via email at [redacted] Very Truly Yours, Rod C [redacted] Ombudsman

April 30, [redacted] Revdex.com of Metro Washington DC & Eastern Pennsylvania K StNW, 10th Floor Washington, DC 20005- Re: Complaint number [redacted] Dear [redacted] , I have received the complaint, # [redacted] , filed with the Revdex.com by [redacted] on April 29, AutoTrakk is an automobile financing company that provides an excellent, highly structured lease program for people that have had credit difficultiesWe give “credit- challenged” customers a way to drive high quality, late model cars with the security of a full powertrain warranty I am sorry to hear that [redacted] is not happy with the service provided to her by the dealership she purchased the vehicle from or AutoTrakk [redacted] states that when she purchased this vehicle she was lied to in every way and taken advantage ofTo be clear, [redacted] selected the vehicle and negotiated the terms and price of this vehicle with Low Price Transportation in Plantation FloridaAutoTrakk simply provided the financing in the form of a lease with an option to purchase at the end of the lease termAs such, we were not privy to any conversations between [redacted] and the dealership and are unable to comment on what was saidThe contract that was provided to us included the signatures of [redacted] and the Co-applicant ** [redacted] agreeing to the terms of the lease [redacted] states that she is being robbed and she never agreed to a payment of $a weekPlease find the attached lease agreement signed by [redacted] as well as the agreement to provide insuranceYou can see the terms are clearly described and the customer was informed repeatedly that this was a lease [redacted] was also informed verbally that this was a lease when she completed her welcome call with AutoTrakk [redacted] ***’s agreed upon weekly lease payment is $Unfortunately, [redacted] obtained an insurance policy that does not meet her lease requirementsAs such, she has been forced placed on Collateral Protection Insurance (CPI) to cover our interest in the vehicle until proof of lease compliant insurance is providedThe cost of the CPI is $a week which is added to [redacted] ***’s weekly paymentAs of May 1, 2015, [redacted] will be contractual lease payments delinquent [redacted] claims she would like to return the vehicle without it adversely affecting her creditIf [redacted] refuses to honor her contractual agreement, the vehicle will eventually be repossessed and be reported as such to the appropriate credit bureaus Our lease does allow the customer to trade the vehicle anytime throughout the life of the lease as long as they and the dealer can make the numbers workMany dealers tell us it is easiest to put a deal together if the customer has been making payments for at least monthsCurrently [redacted] has made weekly payments [redacted] did advise us that she would not like to be contacted at work and we have been honoring her request [redacted] also claims we call her everyday which is incorrectWe attempted to contact [redacted] on 4/13/15, 4/16/15, and 4/29/We have been attempting to work with [redacted] to bring her account currentUnfortunately, all efforts have been to no avail I’d be more than happy to discuss this situation with you at any timeI may be reached at 888-689-extor via email at [email protected] Very Truly Yours, Rod C [redacted] Ombudsman

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

February 23, [redacted] Revdex.com of Metro Washington DC & Eastern Pennsylvania K StNW, 10th Floor Washington, DC 20005- Re: Complaint number [redacted] Dear [redacted] , I have received the complaint, # [redacted] , filed with the Revdex.com by [redacted] on February 18, AutoTrakk is an automobile financing company that provides an excellent, highly structured lease program for people that have had credit difficultiesWe give “credit- challenged” customers a way to drive high quality, late model cars with the security of a full powertrain warranty I am sorry to hear that [redacted] is having difficulties with her insuranceThere are a small number of insurance companies that do not meet [redacted] lease requirements [redacted] had a day policy which would not meet the AutoTrakk Lease requirementsI have included a copy of [redacted] lease and the agreement to provide insurance that [redacted] signed when she leased the vehicle When it was determined that [redacted] insurance policy did not meet her lease requirements, the requirements were explained to her and a code was issued so the vehicle would not disable for the remainder of her seven day policyThis was done to give [redacted] a week to renew her policy to one that meets her lease requirements If [redacted] does not have valid, lease compliant insurance on the vehicle, a code will not be released and the vehicle will disableThe AutoTrakk payment reminder system does not have the ability to “immediately turn off the vehicle”It is prepaid transportation As you can see by the attached lease agreement and the agreement to provide insurance, the lease is not fraudulent nor is there any secretly hidden contractual terms I’d be more than happy to discuss this situation with you at any timeI may be reached at ###-###-#### or via email at [redacted] @autotrakk.com Very Truly Yours, Rod C [redacted] Ombudsman

Dear [redacted] ***: Auto Trakk, LLC will look into this ASAP Sincerely, [redacted]

Dear [redacted] ***:Auto Trakk, LLc has again reviewed the account notes and did not have any conversations with [redacted] after the previous date notedAlso, the balance due and owing on the account is correct.Thank you.Randy B [redacted]

March 10, 2016Dear [redacted] ***: Auto Trakk, LLC is in receipt of the above complaint on behalf of [redacted] [redacted] entered into a month term lease with an option to purchase a [redacted] on October Per the lease terms, [redacted] is to make weekly lease payments of $eachCurrently, [redacted] has made weekly lease payments of the 261, Upon completion of the lease payments and per the terms of the lease contract a residual of $4,and a purchase option of $exits on the account.Currently, given the weekly lease payments [redacted] has made the payoff of the vehicle is $14,906.02, which is good until 3/24/This payoff includes all remaining lease payments, residual, purchase option and any open items on the accountWith respect to the safety concerns [redacted] expressed in her complaint, Auto Trakk, LLC performed an AutoCheck on the vehicle and no structural or safety concerns were reportedIf you would like to discuss this matter further, I would be more than happy to address any concernsIf you need any additional information, please do not hesitate to contact our officeSincerely, Randy B.Legal Department

Dear Ms***: Auto Trakk, LLC provides a warranty on all vehicle it leases, which covers the engine and powertrainIt does not however, cover electrical issuesIn reviewing the account notes of Ms [redacted] it appears the vehicle was taken to [redacted] and it was a fuse issue and taken care of.If this is not case, please have Ms [redacted] contact our office to assist herThank youRandy

Company is always demanding moneyNever willing to compromise with customersWouldn't recommend

Dear Ms [redacted] Ms [redacted] entered into a vehicle lease contract for a [redacted] on August 17, Per the lease contract Ms [redacted] was to make weekly lease payments of $eachAt the completion of the Ms [redacted] has the option to purchase the vehicle or turn the vehicle inPer the lease contract, if Ms [redacted] wishes to purchase the vehicle the amount required to do so is explained on page of the lease (Box 5, Paragraph 2) as well as Section 12, Purchase Option at Lease Termination (See attachment) Auto Trakk is willing to answer any further questions Ms [redacted] may have Thank you Randy B [redacted] Auto Trakk, LLC

Very Bad Experience with this company!!!!!!! I purchased a Nissan Altima with thousand miles on it from a small dealership because of my credit on 11/7/I was told the financing company was Auto Trakk I was told by the salesman that the financing company owed their own Warranty company and my car was covered from the day I signed the papersMy payments would be $weeklyI drove off the lot with my carTwo days later the car started smoking and smelling like burnt oilI called the dealership back and was told to put oil in the carI did that, before the week was out, the oil light came onI called dealership againI was told to take it to their mechanicI did, was told it was a seal that was bad and he replaced it and I drove offA week later I called dealership back due to car smoking really badI was told to take it to a Nissan Dealership to have them check it outTook it to a local Nissan Dealership and to my surprise the engine need to be replacedI then called the dealership I purchased the car from to let them know what the issue wasI was told to call the warranty company and they would take care of itNow, take in mind, this is just the 3rd week of me having this carThe Warranty company named Janus say's that I can not submit a claim for daysI call the dealership back and tell them what Janus had saidWell, to make a long story short, every time I call Auto Trakk , Dealership and Janus every body tells me that the other is responsible for the repairI have been without the car for weeks and today Auto Trakk calls me for a paymentI asked, did they have notes on my account about my situationI was told yes, but they still have to ask the same question and note itI have spoken with different people concerning my car and no one can give me a true answer other than some one else is responsibleI refuse to make another payment on something I am not driving and do not have a estimated time of when this problem will be resolved

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: This is exactly what I am saying, this company makes things upSo the last time that anyone in Autotrakk spoke to me was in September of That doesn't make sense, and I had the car until April of There were times after September of that I spoke with someone inside of Autotrakk to get the balance to get the car startedAnd also to check the balance again to see how much was due on the car, so I know that is not true and as soon as my phone provider provides me with the phone records to prove that I have spoken to you after September 2011, I will be sending that over as wellI think at this time, I will seek counsel, since this company seems to come up with a bunch of lies and mess and continues to get over on peopleMeaning that they sell cars at a higher price than what they are for and expect people to pay that ridiculous priceAutotrakk, has told me nothing but lies since the beginning of this transaction, and they continue to report information to the credit agencies, when I know what they report is not true, perfect example, they just stated they had not spoken to me since September of 2011, but reports that I made a payment on a car that has not been in my presence since in Regards, [redacted] ***