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A-L Financial Corp.

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A-L Financial Corp. Reviews (41)

In all my many years in dealing with customer service, I have never been yelled at, or argued with. As far as I am concerned, that's not what I should expect from a company wanting to retain my business. People have low credit worthiness for a variety of reasons--A-L Financial assumes that all customers are just delinquent fools. I was yelled at, and spoken to in a derogatory manner, each time I called to speak to customer service.
NO payment booklet was given.
NO Bill Pay accepted.
NO VISA/MC or any other debit card accepted.
NO website.
NO voice mail.
NO email.
NO receipt.
NO courtesy.
Avoid this company like the plague. Another reviewer mentioned that these tactics are what keep folks who are trying to climb out of debt, IN debt. To have to write a check and HOPE it gets there, in the 21st Century with the proliferation of electronic means of payment, is ludacris. And if not by check, then the only other way they accept payment is Western Union, which adds a additional $15 surcharge. This is an abomination.
They should be investigated and shut down.

to whom it may concern:A-L Financial Coprp is responding to the complaint that defendant [redacted] has filed judgment will not be removed in till account has been paid full A-L Financial submitted default package to the court on 10/29/14 because defendant defaulted on the payment agreement to where she was 2 payments past due defendant sent in 200.00 dollars cash in the mail that was received on 10/31 and posted to the account there for at the the time that the default package was summited the defenadant was still in default. defendant still continued to be late on the payment for november the payment was received till 12/05/14 due date on payments are the 21st of every month. there for we are in titled to having a valid judgment against defendant in till account as been satisfied.thank you, [redacted] asset recovery manager.

Mr. and Mrs. [redacted] purchased a 2004 Harley Davidson on 07-15-2015 with an interest rate of 23.50% ( fixed rate)
Amt. to Finance was $8336.58 Interest gets added to account every 25th of the month. The total amount she is disputing $1542.58 is the amount of interest added to...

account since the day she opened acct. We will mail copy of her payment history including interest accrued to her account.Every month when she receives a statement she can take the balance showing and deduct her payment but when interest gets applied on the 25th the balance will be a little higher. If she has questions we will be more than happy to explain it to her when she receives her copies.
Thank you
 
 
 
Tell us why here...

In response to complaint ID # [redacted], A-L Financial Corp. company policy on all reparable claims is as follows:If at any point our collateral is damaged due to an accident, the insurance company must complete an evaluation. At this point, if the adjuster claims that the collateral is...

reparable, the insurance company then issues a check for repairs payable to the repair shop & customer, or payable to the lienholder & customer. If the check is payable to a body shop and customer, both parties endorse the check and the collateral gets repaired. When check is payable to lienholder & customer, A-L Financial Corp. requires that all repairs be completed prior to endorsing check. This policy has been in practice for over 40 years and never have our customers experienced any difficulties obtaining repairs. The reason behind this set policy is to ensure that the collateral is 100% repaired with funds allotted per incident. A-L Financial Corp. would suffer great losses if our customers were to partially repair the collateral in an attempt to retain most of the proceeds for personal use. For instance,if a repossession were to take place at any point in time after a damaged collateral was not completely repaired, the unit would sell for far less than the wholesale value, therefore creating a great deficiency for both parties. This being said, on June 23rd 2015, A-L Financial Corp. received a phone call from Heather [redacted] inquiring about how she could possibly obtain endorsement of an insurance check which was payable to A-L Financial Corp.andcustomerin the amount of $7,040.54. First, our customerwas informed that we would be unable to endorse the check until all repairs were completed. Second, we advised Mrs. [redacted] that she could also contact her insurance provider and request that the check be re-issued payable to customer & body shop if the first option did not appease her. Thirdly, we advised Mrs. [redacted] that all proceeds from the check could instead be applied to the principal balance of loan if she decided against the first two options. Mrs. [redacted] disconnected the phone call without agreeing to any of the suggestions. On June 26th 2015, Mr. [redacted] personally brought the check to our office and was very pleasant to deal with. He had no questions and just asked for us to apply the proceeds to his account balance. On June 29th, 2015, Mrs. [redacted] called our office to inquire what herpayoff balance was and nothing further was discussed. At this current time the payoff balance good through July 10th 2015 is $1,269.36. Unfortunately, because of the policyA-L Financial Corp. has in place regarding reparable claims, which was fully discussed with our customer, we are unable to forgive the remaining balance and it is due to remain in effect until account is paid in full.  Should anyone have further question please feel free to contact our office at ###-###-####.

Revdex.com:
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.
They are saying that they called but never did. I never received calls from them on my cell phone nor my other numbers provided. The "defaulted payment" was because they "misplaced" it. There were two calls between [redacted] and I stating that it was "misplaced" which should be recorded. I assume the recordings have been "misplaced" as well. She then says that they received my 200.00 which covers Septembers payment. I pay 100.00 a month so this should have covered September and October. Another lie on their part is she says they called and called and called and I failed to answer. If you listen to the RECORDED phone calls I specifically ask [redacted] why they didn't call or send a letter and she said they don't HAVE to nor WILL they do that they just file the judgement. So did they call or did they not?? I don't think so. I want the judgement removed from my record. It is their fault that the "defaulted" payment wasn't applied in a timely matter. 
Regards,
[redacted]

We apologize for the any inconvenience that Ms. [redacted] has gone through.
After reviewing her account, it seems she had troubles since July to pay in a timely matter, this has resulted in phone calls from her representative. We always try to offer the best customer service, I will...

talk to her representative and work on the problem. We have offered an extension to try to help out of our customer and we will continue to work with her in the future.
We will talk to Ms. [redacted] and ask her  to please contact us and give us notification of when she is going to give her payment before its past due, to avoid any type of problem.
Thank you
[redacted]
V.P. Phoenix Branch

[redacted] defaulted on her payment plan back in September. We did not receive her payment for that month after phone calls to her cell phone numer.We summited default package on 10-24-14 account was already past due 2 payments. Package was already sent out when we received $200 by mail ,...

that amount was posted to her account on 10-30-14 that payment covered September. We attempted to call her and left voice mail for her to contact our office, we never received call.  On December 5th we got a phone call from her asking if we got her payment.  We explained to her that she should not send cash, she should send money order or check . We explained to her that we received her November payment and she was still due for December and she said she was aware and disconnected the call. Thank you[redacted] Asset Recovery Manager

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.

They are saying that they called but never did. I never received calls from them on my cell phone nor my other numbers provided. The "defaulted payment" was because they "misplaced" it. There were two calls between [redacted] and I stating that it was "misplaced" which should be recorded. I assume the recordings have been "misplaced" as well. She then says that they received my 200.00 which covers Septembers payment. I pay 100.00 a month so this should have covered September and October. Another lie on their part is she says they called and called and called and I failed to answer. If you listen to the RECORDED phone calls I specifically ask [redacted] why they didn't call or send a letter and she said they don't HAVE to nor WILL they do that they just file the judgement. So did they call or did they not?? I don't think so. I want the judgement removed from my record. It is their fault that the "defaulted" payment wasn't applied in a timely matter. 

Regards,

We apologize for all the inconvenience. When a customer is over 30 days past due and we have no arrangements the account than is assigned for repossession. arial, sans-serif;" />

We have now resolved the matter and [redacted] has the vehicle back.

I am appreciative that A-L financed me for an auto loan with such poor credit. However, the interest is ridiculous. They do not even offer automatic payments, online, or by phone. The only way to pay is through western union which charges about $13 or by money order or check. They are way behind the times. They also do not allow principal only payments. They will only apply excess payments towards your next months balance. I have paid on time every month and they only report my credit to experian.

to whom it may concern:A-L Financial Coprp is responding to the complaint that defendant [redacted] has filed judgment will not be removed in till account has been paid full A-L Financial submitted default package to the court on 10/29/14 because defendant defaulted on the payment agreement to where she was 2 payments past due defendant sent in 200.00 dollars cash in the mail that was received on 10/31 and posted to the account there for at the the time that the default package was summited the defenadant was still in default. defendant still continued to be late on the payment for november the payment was received till 12/05/14 due date on payments are the 21st of every month. there for we are in titled to having a valid judgment against defendant in till account as been satisfied.thank you, [redacted] asset recovery manager.

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.

I am not satisfied with the response due to several reasons, I never signed anything stating that I agree with their policy. In their response they never mentioned that I told them that the bike was repaired when I delivered the check to them and after giving them a $7,040 check they told my wife that I still owe them for June's loan payment. After reviewing my loan papers I noticed that I was charged $110 more than I should have been to the total loan. I have also filed a complained with the [redacted], but that was before I noticed the $110 difference.

Regards,

Mr. and Mrs. [redacted] signed a Retail Installment Sale Contract-Simple Finance Charge (LAW 553-AZ-ARB-eps 1/14 v1) on November 25th 2014 assigning A-L Financial Corp. as the new lender/leinholder. By signing said document, the [redacted]'s agreed to A-L Financial Corp. policies and procedures. The [redacted]'s signed a contract of 42 monthly payments in the amount of $299.15 with an annual interest rate of 21.50%. On March 30th 2015 A-L Financial Corp. processed a due date change for the [redacted]'s changing the current due date from the 9th to the 25th of every month. After reviewing the account history, A-L Financial Corp. has found no discrepancies with the current balance. Attached is a copy of the [redacted]'s entire loan history with A-L Financial Corp along with a copy of the original contract.

This Place employs the rudest, unprofessional people I have ever had the displeasure of dealing with. Why would a company allow their employees to treat their customers like garbage will be trading in my car shortly and would rather ride a bike then take a loan from the psycho woman who is in charge in the Glendale CA office. Stay away they are loan sharks who bully people. Read the yelp reviews their the same complaints from person to person.

in January 2013 I purchased a vehicle, AL Financial Corp is my lien holder. when I ask if they report all to the Revdex.com and credit as well they said yes, we report everything, after 1yr and 3months I have not seen al financial report anything on my credit im not even able to see that I have a loan with them, so what good are they if they not reporting to make my credit better. today I tried to apply for a loan to refinance and lower my interest and I was denied due to not having enough credit history. I also called al financial today 4/21/14 and recorded the converstation and the girl that answered told me that they do report to Revdex.com and my credit. it looks like they are not being honest with their clients.

We apologize for the any inconvenience that Ms. [redacted] has gone through.

After reviewing her account, it seems she had troubles since July to pay in a timely matter, this has resulted in phone calls from her representative. We always try to offer the best customer service, I will...

talk to her representative and work on the problem. We have offered an extension to try to help out of our customer and we will continue to work with her in the future.

We will talk to Ms. [redacted] and ask her  to please contact us and give us notification of when she is going to give her payment before its past due, to avoid any type of problem.

Thank you

V.P. Phoenix Branch

Mr. and Mrs. [redacted] purchased a 2004 Harley Davidson on 07-15-2015 with an interest rate of 23.50% ( fixed rate)
Amt. to Finance was $8336.58 Interest gets added to account every 25th of the month. The total amount she is disputing $1542.58 is the amount of interest added to...

account since the day she opened acct. We will mail copy of her payment history including interest accrued to her account.Every month when she receives a statement she can take the balance showing and deduct her payment but when interest gets applied on the 25th the balance will be a little higher. If she has questions we will be more than happy to explain it to her when she receives her copies.
Thank you
 
 
 
Tell us why here...

[redacted] defaulted on her payment plan back in September. We did not receive her payment for that month after phone calls to her cell phone numer.We summited default package on 10-24-14 account was already past due 2 payments. Package was already sent out when we received $200 by mail ,...

that amount was posted to her account on 10-30-14 that payment covered September. We attempted to call her and left voice mail for her to contact our office, we never received call.  On December 5th we got a phone call from her asking if we got her payment.  We explained to her that she should not send cash, she should send money order or check . We explained to her that we received her November payment and she was still due for December and she said she was aware and disconnected the call. Thank you[redacted] Asset Recovery Manager

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.

This complaint had nothing to do with my account but everything to do with how they conduct their business.  [redacted] has gotten into many yelling matches with me and I am constantly being threatened to have my car repossessed. I should not be threatened every time I turn around. I am not always able to call as their hours of operation conflict with my work hours and I am not able to make calls while at work. They are not open on weekends so I am not sure when they propose I call. I want [redacted] taken off my case as well as her direct supervisor.  I do not want to deal with them for the remainder of the time of me paying on my car. I appreciate the office manager as she does not raise her voice to me nor threatens me instead fully explains how it affects my account when late...in a CALM TONE unlike [redacted]. I do the best I can and have only been 30 days past due once...MAYBE twice. I have only been behind since February due to [redacted] lack of communication in better explaining how it works when I only pay 75%. 

Regards,

In response to complaint ID # [redacted], A-L Financial Corp. company policy on all reparable claims is as follows:If at any point our collateral is damaged due to an accident, the insurance company must complete an evaluation. At this point, if the adjuster claims that the collateral is...

reparable, the insurance company then issues a check for repairs payable to the repair shop & customer, or payable to the lienholder & customer. If the check is payable to a body shop and customer, both parties endorse the check and the collateral gets repaired. When check is payable to lienholder & customer, A-L Financial Corp. requires that all repairs be completed prior to endorsing check. This policy has been in practice for over 40 years and never have our customers experienced any difficulties obtaining repairs. The reason behind this set policy is to ensure that the collateral is 100% repaired with funds allotted per incident. A-L Financial Corp. would suffer great losses if our customers were to partially repair the collateral in an attempt to retain most of the proceeds for personal use. For instance,if a repossession were to take place at any point in time after a damaged collateral was not completely repaired, the unit would sell for far less than the wholesale value, therefore creating a great deficiency for both parties. This being said, on June 23rd 2015, A-L Financial Corp. received a phone call from Heather [redacted] inquiring about how she could possibly obtain endorsement of an insurance check which was payable to A-L Financial Corp.andcustomerin the amount of $7,040.54. First, our customerwas informed that we would be unable to endorse the check until all repairs were completed. Second, we advised Mrs. [redacted] that she could also contact her insurance provider and request that the check be re-issued payable to customer & body shop if the first option did not appease her. Thirdly, we advised Mrs. [redacted] that all proceeds from the check could instead be applied to the principal balance of loan if she decided against the first two options. Mrs. [redacted] disconnected the phone call without agreeing to any of the suggestions. On June 26th 2015, Mr. [redacted] personally brought the check to our office and was very pleasant to deal with. He had no questions and just asked for us to apply the proceeds to his account balance. On June 29th, 2015, Mrs. [redacted] called our office to inquire what herpayoff balance was and nothing further was discussed. At this current time the payoff balance good through July 10th 2015 is $1,269.36. Unfortunately, because of the policyA-L Financial Corp. has in place regarding reparable claims, which was fully discussed with our customer, we are unable to forgive the remaining balance and it is due to remain in effect until account is paid in full.  Should anyone have further question please feel free to contact our office at ###-###-####.

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Description: Loans

Address: 7250 N 16th St Ste 400, Phoenix, Arizona, United States, 85020-5264

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