Alf's Roofing Inc.

Initial Business Response /* (1000, 9, 2015/10/12) */
Our Company has reviewed the complaint by said customer and determined there is no merit to the allegationsThe loan documents contain all required disclosures that was presented to customer to review and signThe warranty agreement does not
contain the verbiage "bumper to bumper" as claimed and this document was signed by the customer as wellOur company has an agreement with only one Credit Reporting Agency and reports only to this AgencyOur Company has fulfiled its ogligation as a lender to said customer
Initial Consumer Rebuttal /* (3000, 11, 2015/10/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is not acceptableWithin the packet of things to sign, there is a page that my husband and myself had to sign acknowledging to reporting to credit AGENCIES (plural) as well as what their employee told me which is a verbal contract and is legally binding in the state of MissouriAlso, I never said the pamphlet said "bumper to bumper" I stated that I was told that BY THE EMPLOYEE which is who also signed my contractsIf his verbal contract is null and void, then the written contract that he signed should be alsoAs far as the "company only has an agreement with the one credit reporting agency and only reports to this agency"I bet that would be a totally different story if the tables were turned and I was the one breaking contractI have no doubt that this company would somehow report to ALL THREEI was made numerous promises by the local office and none have been keptI have sent a notice through the "contact me" on the company website requesting for someone in corporate to contact me, which has yet to happenI am willing to provide Revdex.com as well as any other entity copies of contract, including that notice of reporting to credit AGENCIES (pluraland if they only report to one, right there is deception in writing) as well as any and all copies of e mails between myself and staff of this company as well as the company retained attorney, all who have ignored my recent attempts of contactRight now, this company is in breech of contract and unless they make it right by 10/31/as stated in the statement I sent requesting to speak with someone in corporate, it will be filed with the appropriate courtsThis company thinks I will just bow down and take this, I will fight to the end, all while keeping my end of this LEGALLY BINDING CONTRACTI have proof of all payments made, I have my copies of all contracts and statements that were signed, as well as their company has security cameras that they legally have to keep footage for a specific period of time that will show that they are in violation of Federal law when it comes to the way the company presented my contract (not showing me every page) as well as verbal contract that is valid in the state of MissouriThe longer I have waited to file, the more information and people I have found that this has happened toI am going to stand up for everyone that this company has taken advantage ofI will not stand back and be yet another person who gets scammedI am NOT asking too much! I am asking for what was promised, the entire reason I obtained this loan, which was for credit reporting and that is why I went with this company because I was PROMISED reporting to all bureausI am paying about $a month, PLUS full coverage insurance and over $10,total on a $loan! THE LEAST I DESERVE is to report this loan to the credit bureaus like I was promisedThat is what this entire fight is about! for paying over $10,for a BMW with over 100k milesthe least I deserve is what I was promised with credit reporting! And I will not stop until it is either reported in its entirety to the credit agencies, or until I am no longer liable for this loanI am not asking too much for what I am paying and what I was promised, and I have numerous other people who would have no problem going to court to tell the judge the exact same thing
Final Business Response /* (4000, 16, 2015/11/16) */
***Document Attached***
See attached as *** *** response
Final Consumer Response /* (4200, 18, 2015/11/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have e mailed Omar numerous times, including last week when this unsatisfactory response was given on one of my complaints with another agency, and he has yet to contact me back! I will NOT talk over the phone with anyone in that company as it seems they say things then do not follow through, so any and all contact with Superior Finance and/or *** *** will need to be in writing
Now in regards to this responseI have e mailed Omar and asked for specific figures in regards to the insurance/warranty etcI do not feel a "prorated/partial" refund is fair as I was not informed of the astronomical price associated with these items, as like I stated before, I was not shown a lot of information in regards to the "contract" and I started this complaint about price etc months ago and this response is the first I've heard about canceling itWe have not made a single claim or contacted that company in any way so their services were not usedWe should be entitled to a full refund due to those reasons
Now in regards to the reporting to creditThis is the exact reason that I am not willing to speak to anyone in regards to this matter and want everything in writingTheir employees both told me on numerous occasions that Superior reports to ALL MAJOR CREDIT BUREAUS"That is a great thing to look at when obtaining any loan, be sure you are getting credit for what you payWe report to all so your credit will raise across the board"statements like that are EXACTLY why I chose Superior over other local finance companiesThere are other companies that do report to all including Heights Finance and Sun Loan, but I went with Superior because of that promise as well as the "bumper to bumper" warranty that I was promisedThat is deception from day one! That is deceptive lending practices and in violation of federal lawThere is even a form that my husband and I had to sign acknowledging that they report to credit BUREAUSPLURAL!!! It is there in black and white on the paperwork they had us sign! DECEPTION!
We were misled in so many ways in obtaining this loanI have attempted to settle this outside of a courtroomI have set deadline after deadline for them to comply and they refuseThese complaints and a possible resolution are the final straw in regards to trying to resolve anything outside of a courtroomI will not back down and I will fight to the endI have other people who have had very similar run-ins with this company, as well as a car dealer who has told me he is now refusing to do business with this company because of the shady business ethics shownWhen will enough be enough and this company stop swindling people?!?!?!
In all honesty, am I asking too much? Seriously! I am paying OVER $10k for a BMW that the purchase price was $come on! I am asking for what is fair! I was promised reporting to all 3! It is not going cost Arvest or Superior a ton of money or even much time at alllikely less time and money than has been spent on fighting me on what I was promised and you've run your name through the dirt in the meantime!
Is there no such thing as customer service anymore? "The customer is always right" doesn't even matter hereit is more "the customer deserves to have what our employee promised" is more like itDoes *** not even care about deceptive lending, which is against Federal lawYour employee misled myself and my husbandI have proof in your own paperwork that I had to signThe loan and the company were misrepresented, and we were severely misled! I know for an absolute fact that if I were to become in default on this loan, Arvest/Superior would magically form a relationship with the other bureaus and report to all about the defaultbut they won't do that when someone is paying them an arm and a leg and following the contract even though the company isntThat is very low but we all know it is true
I have requested reporting to all bureaus (including all past payment and account information) as well as breakdowns of what goes where and for the joke of a warranty to be what it was promisedSince getting what I was promised with the warranty is not possible and I now know that I can cancel all of that (If Omar would ever contact me with the information I requested)is it too much to ask to just send info to a couple of credit agencies and uphold what your employee told us?
Your company claims that you have no record of any of thatwell of course not! It was your employees conning us into getting a loan there so he could meet his quota or get commission! He didn't care what he had to say to get us to sign, he said it! And now you, as the company he represented, should honor it! The last responses given had to do with "change in management" etcNo one seems to know what is going on in your own company since you needed an extension for that reason, how can you honestly say that you know we were not told that when it seems no one there knows what anyone else is doing
It is not too much to ask! $10k for a BMWthe least you could do is report as promised so it shows that I keep my obligation, no matter how much I am on the losing end! You can see in my account, you are paid and you are normally paid early! Customer servicecustomer satisfactionJUST DOING THE RIGHT THING!!! It makes no sense to me why I am being fought so hard over you just sending something to a credit agency! It can't be that hard!
Very sad that not only can a company not care about their customers, but this is the exact reason why a mans word is never good enough anymorevery very sad!