C.A.G. Acceptance

first I got a car from chapman and was not aware that the cag acceptance put the tracker devise on this , had I been aware of this I would have never got the car . my car beeps on a Sunday when they are not open . I have 2 different contracts because they failed to give me my green slip to get my tags my car was towed 2 days after my temp expired so they redid another contract . Had to pay $295 to get this out plus had to get fog check myself . its more to my story on how many problems I have had with the dealership and the loan company .I suggest no one deal with them , my car now is having mechanic problem so its either pay or take to shop and pay to get it fixed I asked for 1 payment deferment and was denied said I need to fax in the paper work. I advised them I can do that if you turn my car back on to make it to the shop was told no , remind you my car payment is not even a week behind .

Review: I bought a vehicle from [redacted] in Las Vegas Nevada. The finance company for them is CAG. I quickly knew there was going to be a problem because I was told that a tracking device was to be put into my van and that I didn't have a choice about it. The dealership mechanics installed the device and I almost immediately had battery issues. I fixed the problem but I would still have the occasional battery drainage. Finally, the problems came to a head when my car couldn't even be jump started. And come to find out the "signal" never reached my car, to which they have used the device to shut off my vehicle, but couldn't even send me a courtesy letter saying check your vehicle. So come to find out I had been paying for a vehicle for two months that I couldn't use due to their blatant misuse of power, especially because it wasn't even my fault they chose to not take my payment that month. I have done everything I have been asked to do, but it takes months just to get them to do anything. I called CAG many times trying to get them to resolve this problem only for them to threaten me continuously about the fact that if I removed the Pass Time device, that I would be breaking the contract. All the while I am getting angrier and angrier because they won't fix their device. Finally they get in touch with a dealership close to where I live. Even though it took me over a week just to get CAG to give me the dealership's number, the new mechanics tell me that the product is malfunctioning due to the [redacted]'s mechanic's failing to take out a previous anti-theft device that was already in the vehicle when I bought it. To which is another learning lesson about buying a used car from dealerships (private sellers too), always take the car to your own mechanic for inspection. [redacted] doesn't know the meaning of "full disclosure", just ask the hole in the top of my vehicle. Anyways, because the Pass Time device was installed improperly, in conjunction with the other anti-theft device, is in fact the reason why my battery is draining while idle. I report this to CAG and ask what to do next. Instead of them taking responsibility with their own mandatory device, they decide to just take the signal off. I told them, fine if they want to ignore the fact that their device is malfunctioning than I'll take care of it myself. And if it has to be removed than so be it. Since it is coming out of my pocket for their device, what steps I take to ensure that my vehicle keeps running is none of their concern. As far as I am concerned they have already broken their side of the contract for not taking care of their device. They decided to try to threaten me again, by "reminding" me, that if I remove the device I will be breaking the contact. I feel that this company needs to be reported because they are forcing people to pay for a lemon. The vehicle wouldn't be one if they would just simply fix the problem with [redacted] and the Pass Time device. But since they won't fix the problem I feel that on more than this occasion they are breaking the law. And if all of this wasn't bad enough they are trying to force me to pay an additional $250.00 upon return of the device. When it is "mandatory" but listed under optional in the [redacted] contract.Desired Settlement: I want CAG to have a mechanic remove the two devices and if they choose to have Pass Time replace their device that is fine with me. I should not have to be financially responsible for a product that was mandatory/forced on me, nor the work involved to remove, replace, or install. I am asking for CAG to take responsibility for the companies they work with, the products they require people to use and the contracts they have.

Business

Response:

Our records indicate that we found a dealership near Ms. [redacted]'s residence in California and the vehicle was taken there. The starter interrupt device that was installed by CAG was found not to be causing an issue. CAG did not install another device and we are therefore not going to pay the expense of having this device removed. Because the device installed by us is a requirement of the loan that Ms. [redacted] has with us, we will not be removing the device until the loan is paid in its entirety, purusant to the disclosure agreeement that Ms. [redacted] signed regarding the starter interrupt device at the time of signing of her loan. We of course would pay the expense of replacing the unit if it was found defective; however, this was not the case in this matter. Ms. [redacted] was not charged for this inspection, and if the device had been found defective and needed replaced, she would not have been charged for any of that.

The Starter interrupt device in Ms. [redacted]'s vehicle, of which I have one in my personal vehicle as well, actually draws less power from the vehicle battery than a cell phone charger that is left plugged into the vehicle. Ms. [redacted] admits in her complaint that she doesn't drive this vehicle often; there are computer sensors in all vehicles now that draw from battery periodically, and eventually if the vehicle is not recharged by starting and running, it will go dead. This is not a fault of the device, of CAG Acceptance, of the [redacted] dealership in Nevada that she purchased this vehicle from over 14 months ago, nor the dealership that inspected the device at our expense.

We hope that Ms. [redacted] is able to locate someone to remove the other alarm system that is causing issues and that she doesn't experience further mechanical issues. We would like to remind Ms. [redacted] that the removal of the Passtime device would be in defiance of her agreement between her and our company and we strongly advise she not do this. The device is still owned by CAG Acceptance; Ms. [redacted] was not charged for this device, and at the time of payment in full, we will arrange for the device to be removed from her vehicle at our expense and have the unit returned to us.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

There are several inconsisitancies with the response. First, it was not CAG who installed the pass time device, it was [redacted] Dodge in Las Vegas. However, since CAG has taken responsibility for the installation of the pass time device, they must also take responsibility for their mechanics failing to take out a previous device that was in the vehicle at the time of purchase. A device that was not disclosed to my husband or myself at the time of purchase. Second, CAG did find a mechanic close to where I live. I eventually was able to get the information as to where the mechanic was, and my husband and I went for the inspection. We were surprised to find out that there were two devices. And according to the mechanic, to which my husband and I were both there, said that in conjunction with each other, was the reason why the pass time device was malfunctioning. Once again, I did not install another device, the device was already in the vehicle at the time of purchase. Third, we have not been with CAG for 14 months, we have been with CAG for 18 months. Once again proving my point that if they cannot keep track of their records then they should be reported. Fourth, if they know that a signal is not reaching a vehicle, then it is their responsibility to contact the owner of the vehicle. So once again, I should not have to be responsible for the uninstallation of the two devices or the installation of the replacement device. CAG has already proven that there is a problem with their records since they are 4 months off. CAG has refused to take out the two devices, even replacing the pass time device. Thank you for reminding me of these problems, you have just broken your own contract.

Regards,

Business

Response:

There are no inconsistencies with our first response. My response stated the customers purchased this vehicle OVER 14 months ago. This statement is accurate. The installation of the device is required by CAG Acceptance; while CAG Acceptance is a finance company, an employee of CAG Acceptance did not actually physically install the device; however, neither did an employee of [redacted]. A third party installation vendor, recommended by both CAG Acceptance and [redacted], physically installed the device. The statement that CAG Acceptance installed it is accurate in that we are the ones that required its installation, not [redacted]. The installer is a licensed and insured vendor who undergoes regular training regarding the installation of these devices. And again, the device and its installation was not found to be faulty in any way.

The demands of this customer are unfounded. As you can see from the attached code history, the unit in this vehicle has accepted all codes for the past eight months except for the ones sent July 3 and the subsequent resend on July 5, 2013. There is no indication that the unit is not accepting codes, and Ms. [redacted] herself has indicated that she does not drive this vehicle regularly; it is possible that the battery in the vehicle was dead at the time the codes were sent July 3 and 5, which would explain why there was "no reply"; the system could not find the unit as there was no power to the vehicle due to dead battery.

The device that CAG is responsible for, the Passtime starter interrupt device required for the financing of this vehicle for Ms. [redacted], was found to be functioning normally. CAG did what was expected; it was inspected at no charge to the customer. If the device had been found defective, it would have been replaced, again at no charge to the customer.

As far as the secondary device; CAG claims no responsibility for this device. If the customer wants it removed, she will need to pay for that herself. Our communication with the technician who looked at her vehicle on our behalf in California indicates only that the second device was noted, not that this device was causing malfunction. It is a regular occurence where a used vehicle is sold with an alarm system already installed, or that the purchaser opts to add an alarm system. Most of these devices are dormant if they are not paid for and therefore do not harm the vehicle if left alone.

As the finance company for the vehicle, CAG Acceptance is not reponsible for mechanical issues with the vehicle, except those pertaining to the sterter interrupt device, and that has been found to be in proper working condition. There has been no violation of the purchase money security agreement between CAG Acceptance and the customers on the part of CAG Acceptance, and no known violation by the customers at this point in time.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Regards,

I realize that it may be difficult for the representative of CAG to attempt to write facts. I am not a business woman, but I can understand what I read. So let’s attempt at focusing on facts.

Fact one: According to your last response, CAG took responsibility in the installation of the device. In turn, the mechanics failed to take out the previous device. Which, as I have stated before, was not disclosed to us at the time of sale. It does not matter if CAG physically installed the device, in your own statement and I quote “ The starter interrupt device that was installed by CAG …”, CAG is responsible for the failure to remove the previous device.

Fact two: The vehicle was purchased at the [redacted] USED VEHICLE LOT IN LAS VEGAS NEVADA. So as my husband and I were there for up to and no less then four hours while the pass time device was being installed, it’s a lie to say that the installation was done by a third party when my vehicle never left the lot. And if it had, then you just admitted that there was an even bigger breach in the full disclosure law. Once again, this information was not provided to us at the time of sale, neither was the hole in the roof, or the fact that there is no air conditioning in the back. Now the sales representative did approach my husband and I during the long wait and informed us that there was a complication during installation. That is all he would say. No doubt due to the second device in the vehicle, which the mechanic failed to remove and in conjunction, is now causing problems within the vehicle

Fact three: As there was no representative from CAG at the location in Redlands when the vehicle was inspected, whereas my husband and I were present, the diagnosis we were told was that “in conjunction, the two devices are the cause of draining your battery. It’s probably why the pass time device is malfunctioning. “ And just in case, I am clearly paraphrasing. The mechanic was also rubbing his head and stated, “I have never seen anything like this before.” And “ tell CAG what we’ve said.” And “I don’t know which device is the one that they installed.” (still paraphrasing) They were unable to get a hold of CAG while we were there. Now, I can understand that they might be reporting to CAG that everything in fine, especially if they want to keep the business friendship with CAG, however the truth is the truth. So I will take it to another mechanic at my expense to simply prove the truth considering that I am now dealing with three business that are liars. As I am very low income, I hope that I will not have to do this.

Fact four: This is not the first time that codes were sent to my vehicle and the device didn’t receive the signal. And notice how they are only reporting the last eight months, and I didn’t see an attachment in the response. The truth is that the signal hasn’t reached the vehicle several times. So tell me again how the pass time device is functioning properly. And seeing as how it is not sending the correct information, even just to be sure that the device is working properly, a reputable company would replace the device to ensure that situations like this wouldn’t happen. If there is a doubt about the device, then why does it have to go this far just to get CAG to follow their own contract.

Fact five: In the contract, it states that CAG is responsible for the maintenance of the device. Well I am telling CAG that there is a problem and they will do nothing about it, CAG has broken their own contract.

Fact six: By continuing to say that I don’t drive the vehicle often is a blatant misread of what I had actually said. What I said to CAG over the phone, was that I am disabled and I can’t have this problem. I don’t drive the vehicle, but I didn’t say that my husband does not. I need the vehicle running at all times. Especially for emergencies, as I am disabled and require the use o my vehicle. And by repeating your false statement to the Revdex.com, doesn’t make it true.

Fact seven: Writing about how [redacted] has a device in her vehicle and how, and I quote “there are computer sensors in all vehicles now that draw from battery periodically”. Statements like that only applies to vehicles from this decade. My vehicle is a 1999 and doesn’t have the sensors that vehicles today have.

Fact eight: How dare you call yourselves, a reputable company when you refuse to take payments from people (ie. Myself) who have insurance and then shut off their vehicle using the pass time device. As you have stated, if the vehicle is not running, how can we charge the battery? And since the device’s are draining the battery while idle, it is close to impossible for us to get the battery charged. And once the battery is drained, how can the device receive a signal? I have called [redacted] to verify that they sent you the Declaration. They confirmed and re-sent it to CAG for me. This is now the second time that this has happened. Not to mention the multiple times that [redacted] sent the Declaration the first time CAG claimed that they never received it. I am sorry your people can’t read but that is not my problem.

So in conclusion, since you have tied my hands, the only way that this will be resolved is by taking one of three options.

Option one: CAG has a mechanic remove both devices. CAG has a mechanic verify that my vehicle is compatible with the pass time device. CAG has a new pass time device installed so that it works properly.

Option two: CAG sends us to another finance company, due to the fact that as a consumer I have lost all faith, respect and trust in CAG. I will no longer be a victim of CAG’s incompetence.

Option three: The vehicle is to be turned back on, payments are to be suspended and we have a judge decide on the next course of action.

I have just purchased my car not long ago. I did know about the [redacted] devise in the car and was reluctant because I have control issues and almost walk out as I was approved at 2 other car dealerships, but I trusted my sales gal. That is another story. I was told that there was a 10 day grace period on the [redacted]. I was stupid for not reading the small print in full and being rushed through it but at the same time someone should also be held responsible for there actions as well. Not to mention who gives a 2 day grace period. Because I know they were going to shut my car off on the 3rd day. I have a chronic Asthmatic daughter who at anytime I have to take to either the ER or the Urgent care and I need a dependable car. Sometimes life does not work out the way you want and even though you are not exactly late you pay within your NORMAL 10 DAY GRACE PERIOD THAT EVERY DEALERSHIP OFFERS, life happens and it is what it is. This company is what it is. You either pay your car payment and go without food for your children and or medication. As soon as I am physically possible to save up another down payment which took me forever last time I am trading this car in to get out of this loan. I will never be a slave to a 2 day period that is set in stone. Oh the [redacted] gives you a 2 emergency for life drive in other words you are given a code and for the life of the loan if you hit that code 2 times you may move the car. They continue to say we are not affiliated with [redacted] but it is clear to say they are. It's just easy to say that so no one has to be responsible for the lies the salesman/dealerships are getting out of. Oh and as a single mother of 3 children and 1 who is sick and on a special program at school do to her illness I insisted that the car I receive does not have to be fancy or new but that it stays in the 300 monthly price and be in good working condition. That I am not in the potion to repair a car with this type of car payment right off the dealership floor. They sell me a car with a tire about to blow. They refuse to fix it or even return my call. I can only drive this car to my kid's dr. appointments 3 x a week at a slow speed because I have no choice. But I have a huge car payment and this CAG has no wiggle room so the tire goes not fixed and [redacted] ripped off another customer. I am not happy at all. They all need to be fined for some of there business practices.

Review: My payment was due 9/14. I called prior to that on 9/10 to set up a payment arrangement to pay half upfront and the remaining payment on the 26th. I had switched employment with had caused me only to receive. PArtial check so I was unable to pay the full amount. I was told by my acct representative that would be fine and he would see my car would stay on..... Fast forward to 9/17 and my car won't start. I called CAG and received no answer. By the time I got off work I called but they were closed. Next day 9/18 I get off and car is still not working. I called the after hour passtime line but they said no code had been generated so they couldn't help me. I have a night job.. better yet had a night job but was told if I didn't make it in tonight I wouldn't have to worry about employment anymore. Therefore I was FIRED. So now even though I did the right thing and called and made arrangement to keep my car on I still got the short end of the stick plus a lost of wages that made a difference on survival for me.Desired Settlement: My second job back which can't be provided and my car on this weekend like arranged which also can't be given. An apology wouldn't do anygood at this point so I hope to get something for this.

I will from now try my hardest to improve my credit, so I will never, ever again have to deal with the pains of dealing with C.A.G. or any loan center of that sort.
If you are reading this, please do yourself a favor and NEVER step foot on any [redacted] dealership if you DO NOT HAVE good credit. You should NOT been taking out a loan for any used car what so ever.
[redacted] Auto Group does uphold excellent dealerships across the valley with friendly, & courteous sales team. It is their job to get into a car you want and what you can afford. They will do their job as best they can. However, they cannot protect you and your bad credit from accepting the only loan you were offered from a possible loan center such as C.A.G.
C.A.G Mesa is the Sm at the bottom of the [redacted] Auto Group. It is cancer sucking the life and credibility out of a once respectable organization.
It is my assumption the [redacted] Auto Group is possibly in denial that are even affiliated which C.A.G. loan center Mesa, Arizona.
In my experience with C.A.G:
1. A tracking device that was not updated when payment was processed causing me to be late for work. 09/12
2. The vehicle in which I took a loan for. the radiator exploded causing the engine to seize. 12/12
3. When made deal with C.A.G. to tow the vehicle, they used a low grade, repo company in which destroyed personal property, and damaged the vehicle upon delivery to the dealership in Mesa. 01/13
4. When I went to pick up the vehicle, everything in the car was missing, as well as my rear passanger window was SHATTERD with sharp, jagged glass all over the trunk. 01/13
5. The Finance Manager played stupid and was least bit willing to resolve the matter professionally, and able to provide an explanation.
6. They let me drive home with a broken window of their lot. What genuine car dealership would let someone drive home.. off their lot like that??? [redacted] Mesa will! 01/13
7. After Paying the vehicle off, they refused to accept the pay off cause they never mentioned to bring back the tracking device. 09/13
8. Even 8 months after I paid the reaming balance, C.A.G Mesa office, still forgot to notify the credit bureau's that is was paid off.. Thus an active car loan has been on my credit, ruining my debt to income ratio.. 04/21/14
9. What really bothers me is that no one seems to care to improve the business quality of [redacted] Auto mesa.
Please understand, that I am venting my frustrations wit C.A.G. All the points I made above are factual and actually happened with photo and voice recorded evidence. This is simply a cautionary tale of what can happen if don't maintain ample credit.
I will never purchase a Vehicle from [redacted] Auto Group for as long as I live. I will continue to share my experiences with friends and family, Until, I see witness an "out of business sign" posted, and an empty lot in front of [redacted] Used Cars Mesa.

My girlfreind purchased a vehicle through cag acceptance. and they have a devise they install apon receiving the vehicle. that is setup to shut vehicle down when one is late on payment. Thats ok and all. until its time to make a payment and you call them. but nobody answers the phones nor do they return the calls. in witch time the purchaser has to go all weekend with no vehicle. I dont find it Acceptable. if a company uses this procedure then they need to be prompt on there end. do to the paycheck procedures of most american employeees. we find ourselves almost always getting payed on a friday. and in my girlfreinds case.she doesnt get off work until 5pm. In witch the tucson based office is closed already. UNEXCEPTABLE. LOOKS LIKE ANOTHER WEEKEND WITHOUT A VEHICLE.