Advantage Auto Sales & Credit, Inc.

December 19th, Dear *** ***,Dan purchased the vehicle on June 29, 2007, not September 7, The vehicle was repossessed for nonpayment on July 9, The loan was charged off on August 25, If my math is correct, years from August 25, would be August 25,
That being said, it is the responsibility of the Credit Bureau Company to remove old accounts not the CreditorThe principle and accrued interest owed on this account is $6,on December 17, according to our recordsIf Dan would like, he could contact our Finance Manager, Missy T*** at ###-###-#### to discuss a possible settlement on this account*** also can dispute this balance with *** if he chooses.If you have any further questions, please contact me at *** or ***Thomas BPresident

[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: ***
I am rejecting this response because:
Regards,
*** ***

*** *** purchased a *** *** *** from our company, Advantage Auto Sales & Credit, on February 10, At the time of purchase, the vehicle had 118,Miles on the odometerAt the time of sale, all our vehicles come with a month / 6,mile power train warranty
Also, at the time of sale, every customer is offered the opportunity to purchase an extension to warranty increasing the coverage to months / 12,miles The purchase price for this extension is $+ Tax, totaling $ At the time of sale, *** declined to purchase the extended warranty According to our notes, the vehicle was taken to *** Service Center in Quakertown for overheating issues on December 23, The mileage on the vehicle at that time was 129, 11,miles were put on the vehicle since the time of purchaseSince the vehicle was out of warranty, *** attempted to repair the vehicle at a minimal expense to the customer, but unfortunately those attempts failed The only repair that would correct the problem was to replace the motor After discussions between my manager Melissa T***, ***'s manager, *** *** and myself, we realized that if the extended warranty was purchased, the repairs would have been completedI agreed, as a sign of goodwill, to allow *** to purchase the extended warranty that was originally declined at the time of sale Melissa contacted *** on January 24, and explained our offer An appointment was set for *** to come in to our office on January 28, to discuss the situation *** did not show for that meeting Melissa has attempted daily calls with out a response.At this time, I still stand by my offer of allowing the customer to purchase the extended warranty for $ After the documents are signed, *** will begin work to replace the motor in her vehicle Upon completion of the repairs, the customer will be responsible for a $deductible This offer is good for days from this date If no arrangements can be made, we will then take the vehicle into repossession status and proceed with our collections according to law.Sincerely,Tom B***President

[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: ***I am rejecting this response because: Melissa T*** put this back onto me that I needed to reach out to *** *** because it was stated in a conversation with Melissa that *** didn't have the proper information and it wasn't showing on his end that the info was being reported. Melissa sent me a screenshot of my info and other members information including social security numbers. Alyssa is saying that it was rectified but when I spoke with Melissa, she didn't sound confident that it was. The reason why Brian's info was given to me is because Melissa wasn't able to give me exact info in terms of my info being reported to the credit bureaus. In fact according to Melissa, *** said that he wasn't showing the info on his end. I'm not sure why this is so difficult but if my info was being reported then it would've showed up on my credit report that I purchased in November of 2013. As far as my being able to get into the system, that was rectified and that was only because I put in a report to Revdex.com. Alyssa is saying that I didn't speak to someone at the facility and that is a lie. I did speak to someone. I didn't create two accounts because I was never able to get into the account in the first place. As I stated before, I did talk to someone in reference to my not being able to get in and I told this to Melissa. Melissa stated that *** *** didn't have the correct info and Melissa didn't sound sure as to what else was needed. Regards,*** ***

Good Afternoon,
We have been in contact with this customer and are working toward a solution. We recieved the title to her vehicle from the state yesterday. She is planning on coming in next week to pickup the title so she can dispose of the vehicle and
discuss in person how we can further help her. Please contact me if you have any further questionsThank you, Sincerely,
Tom B***
President
***

Good Afternoon,      We have been in contact with this customer and are working toward a solution.  We recieved the title to her vehicle from the state yesterday.  She is planning on coming in next week to pickup the title so she can dispose of the vehicle and discuss in...

person how we can further help her. Please contact me if you have any further questions.Thank you, Sincerely, Tom B[redacted]President[redacted]

To Whom it may concern, In regards to the complaint #[redacted] from [redacted].  I have left a message on #[redacted] at 1pm today.  I am out of the office until August 17, 2015.  I have discussed this matter with my Finance Manager Melissa T[redacted].  I suggest...

that [redacted] contact her at #[redacted] for a faster resolution to this situation.  We do have a repair facility that we use in the Lehigh Valley. [redacted] can set an appointment with them.  Missy can give her the contact information and review her situation.  Upon my return, I will review the situation and respond further.Thank you, Sincerely,Tom B[redacted]PresidentAdvantage Auto

In response to the complaint filed by [redacted] on July 25, 2016.  Attached is a set of documents all signed by the customer.  The first document is the buyers order showing that [redacted] purchased a 2006 [redacted] on August 7, 2015.  The next 3 pages is our limited...

warranty.  Page 5 is a copy of our mechanics check waiver form.  Page 6 and 7 is our financing recap sheet.  The first section also shows that the customer waived her choice to have a mechanic review her vehicle before purchase.  The second section allows the customer a 48 hour return if they are unsatisfied with any portion of the deal.  The final page is a brief review showing the customer was happy with her purchase.Upon reviewing the notes on this account, the customers first payment was due on August 21, 2015.  On August 19th, the customer contacted our finance manager, Melissa T[redacted], to discuss a concern with the rear seat belts not working and a noise in the front of the car.  Melissa had the customer contact [redacted] and set up an appointment to have the vehicle reviewed on August 21st at 10:30am.  That appointment was broken.  On August 22nd, the customer came into the office but did not make a payment.  She said she would pay online.  She claimed that she was going to [redacted] to have the car reviewed, but she never went.  Our account rep Barb H[redacted] spoke with the customer on August 24th.  The customer claimed that she would be making her payment online and that she was also approved for another car loan and that dealer would be trading in the [redacted] and paying off this account.  She would not give any information regarding the dealership she was working with.  Unfortunately, after communication broke down, we were forced to repossess the vehicle for non payment on August 25th.From the beginning, we were willing to work with the customer to have her concerns about the vehicle but her unwillingness to keep the set appointments and make an on time payment left us no choice to pursue repossession to protect our collateral.  The loan is listed on her credit report as a repossession.  If she would like to dispute that, she needs to file a dispute with the credit reporting company.If there are any questions, please contact me via this email or on my personal cell# ###-###-####Sincerely,Tom B[redacted] - President

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: Hello [redacted], thank you for responding. I disagreed with the business's response because the information they had just supplied me in the complaint is inaccurate to what is on my credit report and although Their letter shows detailed figures, it doesn't mean it is correct. Also, any other business that I decided to dispute incorrect information before contacting the credit bureau, the business was able to contact the credit bureau themselves to request the account be deleted from my file. I'm following the correct steps in this situation. However this business informs me they cannot do this. Again, they are providing false information and are able to delete this charged off account from my file. Thanks, [redacted]Sent from my [redacted]
Regards,
[redacted]

To Whom it may concern,
 
In regards to the complaint #[redacted] from [redacted].  I have left a message on #[redacted] at 1pm today.  I am out of the office until August 17, 2015.  I have discussed this matter with my Finance Manager Melissa...

T[redacted].  I suggest that [redacted] contact her at #[redacted] for a faster resolution to this situation.  We do have a repair facility that we use in the Lehigh Valley. [redacted] can set an appointment with them.  Missy can give her the contact information and review her situation.  Upon my return, I will review the situation and respond further.Thank you, Sincerely,
Tom B[redacted]
President
Advantage Auto

December 19th, 2014
Dear [redacted],
In regards to the complaint filed on December 5th. First off, I would like to apologize for the delay in my response. As you can see from the copy of the emails included, my Finance Manager, Missy T[redacted], has been attempting to rectify the...

situation. Unfortunately, we probably could has solved these problems without getting you involved if we would have known [redacted] was having issues, but we did not know.Please review numbered enclosed copies to help with my explanation.
COPY #1 Reviews the issues [redacted] was having and our initial contact to the software company that we use. It seems that [redacted] created two accounts therefore confusing the database. The programmer deleted one account.
COPY #2 The ledger Card shows that [redacted] made a payment on 12/15/14 using www.mycarpmt.com The note on the payment states MyCarPmt Batch.
It appears that the first issue has been solved.
COPY #1 Reviews that our programmers verified that our data is being submitted to [redacted] on a monthly basis.
COPY #3 The ledger Card shows our work in attempting to rectify the situation. As you can see, on December 16th, [redacted], from [redacted], confirmed that our data is being submitted in a timely manner and that [redacted]'s information is being reported. COPY #4 Is an email thread between Missy and [redacted] on December 17th. Unfortunately, it seems that [redacted] doesn't believe us so Missy gave her [redacted]'s direct contact information.
We have not heard back from [redacted] since the last email so I am assuming that she has received the information she has been requesting.
If you have any further questions, please contact me at [redacted] or [redacted].com
Sincerely,Thomas B
President

Review: No health issuesDesired Settlement: Refund the monies paid on the vehicle up to the date of complaint.

Business

Response:

Please see attached response

Review: I purchased a used car for 8,000 dollars. with in 30 days of purchasing this car, the car now requires a new engine. and I am being asked to pay for this repair. this car is a lemon. it has electrical problems , an oil leak, and several bad sensors. the vehicle is now in their shop for an indeterminate amount of time. and I have no way to get to work. I could easily lose my job over this matter.Desired Settlement: I would like either the car returned to good working order at no charge, or a replacement of equal value. I would like someone to hold these people accountable for selling cars to people in this condition.

Business

Response:

October 2, 2013

Dear Agent [redacted],

In regards to the complaint filed by [redacted] on September 20, 2013, this matter has been settled with our customer. The vehicle has a motor replaced on September 26, 2013 at [redacted] Car Care. The repairs were covered under our warranty. The customer was responsible for a $100 deductible which she paid at the time she picked up her vehicle.

If you have any further questions, please contact me at ###-###-#### or [redacted].

Sincerely,