Affordable Loan Company

Complaint: [redacted] I am rejecting this response because: I provided proof of insurance immediately upon request and my vehicle was repossessedI have asked several times to be given copies of my payment history along with a towing bill for the repossession and have been denied every time, all of which I have recorded and given to my lawyerMy payments were not late until after my vehicle had been takenYou are running a very poor business and I plan on doing everything in my power to see this will not happen again Sincerely, [redacted]

Dear Revdex.com:I am writing in response to the above-mentioned complaint case on behalf of Affordable Loan Company (ALC)Mr [redacted] complains that he purchased GAP at the time he purchased the vehicle from Guardian Auto Sales, however after reviewing the contract he did not purchase GAPIf the dealer did in fact tell him he was purchasing GAP it would be on the contract and Mr [redacted] would also have received paperwork regarding GAP ALC did not sell the vehicle to Mr [redacted] and would have no knowledge of what was discussed at the time of sale.Mr [redacted] complains about the balance after the Insurance paid $of the balance of the vehicle to cover the accidentThe balance after the insurance payment was $and was still accruing interest and late fees we made several attempts to get the balance of the account paid; following is the time line of events for Mr [redacted] account:7-22-Insurance check received7-24-Called cell, Mr [redacted] stated he would be in today or tomorrow to make the payment7-27-Called cell, left message regarding not making the payment on the or 257-28-Called cell, left message8-4-Called cell, left message 8-5-Called cell, no longer in serviceCalled work Mr [redacted] stated that he was not going to pay for the vehicle anymore it was totaled8-8-Called cell, no longer in service8-10-Called cell, no longer in service8-12-Called cell, no longer in service8-13-Mr [redacted] called and stated he would make a payment on 8-21-158-26-Called work, Mr [redacted] stated that he would make a payment on 9-4-159-4-Called work no answer9-8-Mr [redacted] came in and paid $on the account, said he would be back on the 25th to make another payment or pay it off 9-18-Mr [redacted] came in and paid $10-2-Called work, left message10-3-Called work, Mr [redacted] said that he can make another payment on the 16th10-16-Called work, not in10-17-Called work, Mr [redacted] said that he would be here to make a payment by 3pm10-19-Called work, on break10-20-Called work, not in10-23-Called work, no answer10-30-Mr [redacted] came in and paid $50.0011-12-Called Cell, Mr [redacted] said you know my paydays; I will be in on 11-1311-16-Called work, not in, Called cell, Mr [redacted] said he would try to come in.11-16-Mr [redacted] came in and paid $50.0011-28-Called cell, left message11-29-Called cell, left message11-30-Called cell, left message12-3-Called cell, left message12-4-Called cell, left message12-9-Called cell, left message12-11-Called cell, left message12-16-Called cell, left message, Called work, no answer12-18-Called cell, left message Called work, not in12-19-Called cell, left message12-22-Called cell, left message12-28-Called cell, not in service, Called work, not in1-5-Account Manager went to Auto Zone to talk to the customer, gave him a final notice and told him that we have been trying to get in touch with him, he asked why he still owed, was told that interest and late fees still accrue on this accountMr [redacted] stated he would pay again on 1-8-161-8-Mr [redacted] came in and paid $100.001-18-Mr [redacted] came in and talked with his account manager because he didn’t understand why he still owedThe account manager went over the account with him and he was told that the there was a balance left over because the insurance company did not pay off the loan because they deducted his deductable from the paymentThe account is still accruing interest and late feesHe is only making small sporadic payments and it only covers the interest and late fees, Mr [redacted] said he wasn’t aware of thatAccount manager asked if he could pay off the account or set up on payment plan and he said no, he is a single father with another car paymentHe said that he was not going to pay anymore and that we would have to sue himI told him that I would let the manager knowMr [redacted] said thank you for explaining it to me and leftMr [redacted] had received receipts every time he came in and made a payment on this account they detailed where the money was appliedThe total of the payments from Mr [redacted] since the insurance payment is $As to him being written up for phone calls made to his work ALC was not aware and was not told not to call his work ALC’s policy regarding credit reporting is that ALC makes every effort to report credit information in a consistent and accurate manner, and also makes every effort to respond to disputes regarding the veracity of any such informationFurther, ALC’s policy is that they will not remove accurate information simply because of a customer’s desire to have it removedIf Mr [redacted] was to pay the account off ALC could then report to the credit bureaus the account has been paid in full.In sum, the terms of the contract do not change because the vehicle was totaledAnd any amounts still due are within the terms of the contractPlease do not hesitate to contact me should you require anything additional.Sincerely,Josie R [redacted] Operations Manager

November 11,
Revdex.com
Station Drive, Ste
DuPont, WA
Re: case# ***/*** ***
Dear Revdex.com:
I am writing in response to the above-mentioned complaint case on behalf of Affordable Loan Company (ALC)
Mr*** complains that he wants proof of Satisfaction of Judgment submitted to the courtI have attached a copy for his records
ALC’s policy regarding credit reporting is that ALC makes every effort to report credit information in a consistent and accurate manner, and also makes every effort to respond to disputes regarding the veracity of any such informationThe judgment reporting to Mr***'s credit bureau is not reported by ALC it is reported by the Alaska Court System
Please do not hesitate to contact me should you require anything additional
Sincerely,
Josie R***
Operations Manager

September 9, 2015 Better BusinessBereauP.OBox 1000DuPont, WA 99327Attn: *** RE: *** *** *** *** *** *** Anchorage, AK 99507 On January 16,Mrs*** signed a contract with ***
*** *** *** On January 16, 2015Affordable Service Center installed a locator in the vehicle and inspectedit. The vehicle had a Vehicle IdentificationNumber at that time On June 26, 2015Affordable Loan Company at the customer’s request added a Repair Order of$2700.00. The work was done byAffordable Service Center The contract iscurrently two payments past due with another payment coming due on September 15,2015. Affordable LoanCompany called the references provided by Mrs***The ex-husband is one ofthe references. Affordable Loan Companycalled *** *** and left a voice message. Mrs*** called Affordable Loan Company and said that she has nocontact with Mr*** and Affordable Loan Company has now removed Mr***as a reference on her contract. Affordable Loan Companyhas had a difficult time making contract with Mrs***, so we presume that itis acceptable to use the information Mrs*** provided in her file. Respectfully, ** ** ***

*** Please See Attached Documents ***
September 12,2015*** ***Revdex.com Resolution ConsultantRevdex.comP.O.Box 1000DuPont, WA 98327Regarding: Response to Revdex.com Complaint, ID No***.Dear Ms***:I received your correspondence from August 18, 2015, notifying me of Ms
*** complaint with the Revdex.comOur response follows.Affordable Loan Company is sympathetic to the difficulties Ms*** family is suffering, and is truly regretful that the repossession of the vehicle has caused the family hardshipAffordable Loan Company repossessed the vehicle due to no insurance, past due payment and the anti-theft device was tampered with and caused damage to the vehicle.ALC is in the business of providing sub-prime lending to people, not repossessing carsALC exercises its contractual rights to collect on an outstanding debt only after every available alternative remains unsuccessfulOnly then does ALC exercise its legal rights to recoup the balance of the loanALC strictly adheres to the terms of the contract signed by the parties, and the applicable state and federal lawsIt is in everyone's best interest that the parties cooperate together to repay the loan, especially for ALC.Should Ms*** wish to obtain a copy of her file, and an explanation and itemization of the outstanding balance on her loan, ALC will be happy to provide her with whatever information she would likeAgain, ALC regrets any misunderstanding, and is willing to take whatever time needed to help resolve her dispute.Jim J***President, Affordable Loan Company

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. Sincerely, [redacted]

Dear Revdex.com:I am writing in response to the above-mentioned complaint case on behalf of Affordable Loan Company (ALC). Mr. [redacted] complains that he purchased GAP at the time he purchased the vehicle from Guardian Auto Sales, however after reviewing the contract he did not...

purchase GAP. If the dealer did in fact tell him he was purchasing GAP it would be on the contract and Mr. [redacted] would also have received paperwork regarding GAP.  ALC did not sell the vehicle to Mr. [redacted] and would have no knowledge of what was discussed at the time of sale.Mr. [redacted] complains about the balance after the Insurance paid $3520.00 of the balance of the vehicle to cover the accident. The balance after the insurance payment was $449.86 and was still accruing interest and late fees we made several attempts to get the balance of the account paid; following is the time line of events for Mr. [redacted] account:7-22-15 Insurance check received7-24-15 Called cell, Mr. [redacted] stated he would be in today or tomorrow to make the payment7-27-15 Called cell, left message regarding not making the payment on the 24 or 257-28-15 Called cell, left message8-4-15 Called cell, left message 8-5-15 Called cell, no longer in service. Called work Mr. [redacted] stated that he was not going to pay for the vehicle anymore it was totaled8-8-15 Called cell, no longer in service8-10-15 Called cell, no longer in service8-12-15 Called cell, no longer in service8-13-15 Mr. [redacted] called and stated he would make a payment on 8-21-158-26-15 Called work, Mr. [redacted] stated that he would make a payment on 9-4-159-4-15 Called work no answer9-8-15 Mr. [redacted] came in and paid $1.74 on the account, said he would be back on the 25th to make another payment or pay it off 9-18-15 Mr. [redacted] came in and paid $50.00 10-2-15 Called work, left message10-3-15 Called work, Mr. [redacted] said that he can make another payment on the 16th10-16-15 Called work, not in10-17-15 Called work, Mr. [redacted] said that he would be here to make a payment by 3pm10-19-15 Called work, on break10-20-15 Called work, not in10-23-15 Called work, no answer10-30-15 Mr. [redacted] came in and paid $50.0011-12-15 Called Cell, Mr. [redacted] said you know my paydays; I will be in on 11-1311-16-15 Called work, not in, Called cell, Mr. [redacted] said he would try to come in.11-16-15 Mr. [redacted] came in and paid $50.0011-28-15 Called cell, left message11-29-15 Called cell, left message11-30-15 Called cell, left message12-3-15 Called cell, left message12-4-15 Called cell, left message12-9-15 Called cell, left message12-11-15 Called cell, left message12-16-15 Called cell, left message, Called work, no answer12-18-15 Called cell, left message Called work, not in12-19-15 Called cell, left message12-22-15 Called cell, left message12-28-15 Called cell, not in service, Called work, not in1-5-16 Account Manager went to Auto Zone to talk to the customer, gave him a final notice and told him that we have been trying to get in touch with him, he asked why he still owed, was told that interest and late fees still accrue on this account. Mr. [redacted] stated he would pay again on 1-8-161-8-16 Mr. [redacted] came in and paid $100.001-18-16 Mr. [redacted] came in and talked with his account manager because he didn’t understand why he still owed. The account manager went over the account with him and he was told that the there was a balance left over because the insurance company did not pay off the loan because they deducted his deductable from the payment. The account is still accruing interest and late fees. He is only making small sporadic payments and it only covers the interest and late fees, Mr. [redacted] said he wasn’t aware of that. Account manager asked if he could pay off the account or set up on payment plan and he said no, he is a single father with another car payment. He said that he was not going to pay anymore and that we would have to sue him. I told him that I would let the manager know. Mr. [redacted] said thank you for explaining it to me and left. Mr. [redacted] had received receipts every time he came in and made a payment on this account they detailed where the money was applied. The total of the payments from Mr. [redacted] since the insurance payment is $251.74. As to him being written up for phone calls made to his work ALC was not aware and was not told not to call his work.    ALC’s policy regarding credit reporting is that ALC makes every effort to report credit information in a consistent and accurate manner, and also makes every effort to respond to disputes regarding the veracity of any such information. Further, ALC’s policy is that they will not remove accurate information simply because of a customer’s desire to have it removed. If Mr. [redacted] was to pay the account off ALC could then report to the credit bureaus the account has been paid in full.In sum, the terms of the contract do not change because the vehicle was totaled. And any amounts still due are within the terms of the contract. Please do not hesitate to contact me should you require anything additional.Sincerely,Josie R[redacted]Operations Manager

Complaint: [redacted]I am rejecting this response because:
I provided proof of insurance immediately upon request and my vehicle was repossessed. I have asked several times to be given copies of my payment history along with a towing bill for the repossession and have been denied every time, all of which I have recorded and given to my lawyer. My payments were not late until after my vehicle had been taken. You are running a very poor business and I plan on doing everything in my power to see this will not happen again. 
Sincerely,[redacted]