All Credit Motors

September 12, *** ***Revdex.com of Western Pennsylvania Holiday Drive, Suite Pittsburgh, Pennsylvania 15220Re: Complaint Number *** ***Dear Ms***We have received your August 26, 2016, letter regarding the above referenced complaint, filed by
*** *** on August We apologize for any delay, as we have had unexpected IT issues in our office, and thank you this opportunity to respond.On February 13, 2016, Mr***, who legally identified himself to us by his driver’s license (Exhibit A), entered into a Consumer Lease Agreement (Exhibit B) with All Credit Motors for a Chrysler Sebring (VIN ***)In the Agreement, he acknowledged the following:• in Lease Disclosure 4, Section AA: that he was purchasing a voluntary service contract;• in Lease Disclosure 7: that he received the vehicle in good operating condition, with all parts and equipment in place and functional;• in Lease Disclosure 9: that the Agreement carries no express or implied warranty; and• in Term 8: that any and all maintenance or repairs must be performed at his sole expense.In the Vehicle Condition Addendum (Exhibit C) to the Agreement, Mr*** acknowledged the following:• in Additional Term 1: that he was taking possession of the vehicle “AS IS” [emphasis in context];• in Additional Term 2: that all repairs would be his complete responsibility;• in Additional Term 3: that the service contract he purchased is third-party and that “no implied warranty is included in the price of this vehicle” [emphasis in context];• in Additional Terms and 5: that he had had the opportunity to test drive the vehicle and to have the vehicle inspected by a mechanic of his choice; and• in Additional Term 7: that any repairs that we, as the dealer, choose to make would be at our sole discretion.In the Agreement addendum Additional Program Notes (Exhibit D, Fact 1), as well as in the addendum Quick Reference Checklist (Exhibit E), to the Agreement, Mr*** again acknowledged that he was taking possession of the vehicle “AS IS” [emphasis in contexts]Also in the Quick Reference Checklist, he acknowledged that he would be responsible for the costs of any and all repairs, that the service contract he purchased may be limited by its third-party provider, and that “no implied warranty is included in the price of this vehicle” [emphasis in context].In the Insurance Companies Addendum (Exhibit F) to the Agreement, Mr*** acknowledged that he understood and agreed to All Credit Motors’ insurance coverage requirements for the vehicleIn addition, in the Odometer Disclosure Statement (Exhibit G) to the Agreement, he acknowledged that the mileage of the vehicle was 94,at the time he was taking possession.Mr*** also purchased and signed a service contract (Exhibit H) from *** Warranty CorporationAs a third-party provider, for which All Credit Motors acts only as agent for the application, *** sets its own policies, procedures, and requirements for service coverage.Shortly after taking possession of the vehicle, Mr*** reported an unspecific battery issueAll Credit Motors replaced the battery at no charge.In mid-April, Mr*** reported an unspecific engine issue and asked our staff to recommend a mechanic, which we didIn early-July, Mr*** requested that we provide his vehicle payment history to a rental car service that he was attempting to use, and we obligedIt was only at the time that we were informed that the vehicle had already been taken again to a mechanic, as it allegedly had further unspecified engine issues, necessitating replacementOn our own accord, we subsequently contacted *** of ***’s Service Center and were informed that Mr***’s service contract covered everything except the deductible, some belts, and a small portion of the labor charge.On August 4, four days into his monthly payment grace period, Mr*** called All Credit Motors, stating that he would be making that month’s payment on August We agreed, but Mr*** *** never made his August payment.On August 15, we learned that the vehicle had been removed from Mr***’s insurance coverageWe received no further notice that the vehicle had been transferred to another insurance policy or companySeveral telephone calls to Mr*** between August and regarding the status of his insurance went unanswered, and the vehicle was repossessed due to lack of insurance coverage on August 30.Please note that the vehicle odometer read 106,miles at the time of repossession, Mr*** *** having driven the vehicle 11,miles during the six months that he had possession of itWe are further surprised by Mr***’s dissatisfaction of the terms of his Consumer Lease Agreement and its addenda, as in the post-paperwork customer survey that he completed (Exhibit I), he stated that, “everything was well explained.”Sincerely, Lawrence EL*** Marketing & Customer RelationsEnclosures

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
If it were running there would be absolutely no reason for me to have to complain or remove my insuranceThe car was obviously lile that before they sold it I lost my job due to the problems with this carIt is ridiculous
Regards,
*** ***

February 13, 2017Re: Complaint ID *** *** ***Dear Ms***:We have received your notification of the above referenced complaintThank you for this opportunity to respond.On September 9, 2016, Ms*** entered into a Consumer Lease Agreement and addenda with All Credit Motors for a
Pontiac GGTAt the time of signing, it was made clear to Ms***, both verbally and in writing, that acceptable, full-coverage insurance was required at all times [Exhibit A, Page 2, Term of Agreement 4; Exhibit B; Exhibit C; Exhibit D; Sections and 7; Exhibit E, sixth item)Please note that the vehicle remains the property of All Credit Motors until successful completion of the terms of the Agreement.On September 27, 2016, during Ms***’ service appointment, we replaced the brakes and rotors for free and diagnosed a door lock issue [Exhibit F]We ordered the locks and made a follappointment with her to return to have them installedHowever, Ms*** did not appear for her appointment on October She also missed a third appointment that had been scheduled for November 1.The morning of January 10, 2017, Ms*** made her monthly payment in personIt was not until that afternoon that All Credit Motors received notification that Ms***’ insurance policy under *** Insurance had been canceled on December 6, [Exhibit G, Exhibit H]Telephone calls where placed to Ms*** on January 10, 11, and 12, However, she did not pick up the calls, and the telephone was unable to accept messagesOn January 14, the vehicle was disabled using the GPS starter interrupt, as had been disclosed to Ms*** at signing [Exhibit B; Exhibit I],On January at AM, All Credit Motors discovered that the GPS had been tampered withImmediately, calls were placed to Ms*** at all of the telephone numbers that she had given as referencesWhen no one called back by PM that day, a repossession order was issued, and the vehicle was picked up shortly thereafter by one of our contracted repossession companiesMs*** called All Credit Motors around 4:PM that day, and we told her why the vehicle was repossessedShe claimed to have current insurance, but never provided a company, identification card, or even a policy number for verificationI asked about how the GPS had stopped working, and Ms*** said that she had no idea what I was talking about.The same day, a man verbally identifying himself as her father brought Ms*** to our dealership shortly before PM and demanded all possessions from the vehicleI told them that that was not possible, as the vehicle has not yet been dropped off by the repossession companyI told them that everything should be ready by noon the next day - all boxed up and ready to goMs*** and the man became extremely upset that I could not immediately produce the vehicle, and they called the policeThe police arrived a half-hour later and told the man (Ms*** was outside) that, technically, All Credit Motors did not have to give them anything back and the fact that we were willing to do so the next day was “more than reasonable.”The vehicle arrived at our dealership the next morning, January I boxed up all of her belongings, including a stroller and some snow brushes, and set them aside for herI found the GPS device laying in a cup holder, completely removed from the engine compartment where it had been installedMs*** arrived around PM that day to retrieve her belongingsI asked for her set of keys in exchange for her belongingsShe initially refused, but a woman identifying herself as her mother convinced her to hand over the keysI gave her all of her belongings and asked her to sign a releaseShe took the belongings, but refused to sign the release [Exhibit J].Sincerely,Michael R*** Co-Owner

Re: Complaint ID [redacted] Dear Ms. [redacted]: Thank you for your letter dated January 12, 2015, regarding complaint number [redacted], filed by [redacted] on January 8. We welcome this opportunity to respond. On January 2, 2015, Ms. [redacted] entered into a Consumer Lease...

Agreement (Exhibit A) with All Credit Motors for a 2004 Isuzu Axiom. As part of the Agreement, she also signed an Insurance Addendum (Exhibit B) and an Insurance Companies Addendum (Exhibit C), which explain the insurance requirements of the Agreement, as well list both the acceptable and unacceptable insurance providers pursuant to the Agreement. In addition, Ms. [redacted] signed and initialed a Quick Reference Checklist (Exhibit D), acknowledging that “to comply with this Contract, [she] must keep acceptable, full coverage insurance at all times” [emphasis in context] and “[she] may not use any of the companies listed as ’not acceptable' on the Insurance Companies Addendum.” By January 7, All Credit Motors, which had accepted Ms. [redacted]'s selection of [redacted] as her insurance company despite that company being disallowed by the Insurance Companies Addendum, had exhausted several days of correspondence with [redacted], attempting to get the required documentation that Ms. [redacted] would need in order to comply with the Agreement and its addenda. Ms. [redacted] was immediately contacted by telephone to inform her that [redacted] not provide the documentation and that she would need to submit proof of insurance from an acceptable company. This was followed up on January 8 by a telephone call by All Credit Motors’ co-owner [redacted], in which he explained to Ms. [redacted] that we would be willing to extend three (3) weeks' grace period while she arranged acceptable insurance. During that time, Ms. [redacted]would continue to have full use of the vehicle. Please note that a vehicle remains under the ownership of All Credit Motors throughout the term of an Agreement.On January 9, Ms. [redacted] E-mailed proof of insurance from [redacted], which is also listed as unacceptable under the Agreement and its addenda. Mr. [redacted] again informed her of such, provided a copy of the signed Insurance Companies Addendum, and even suggested an acceptable insurance company and a reputable broker (Exhibit E). (Unbeknownst to All Credit Motors, Ms. [redacted] had already filed formal complaint with your organization on January 8.)On January 16, Mr. [redacted] followed up with Ms. [redacted] via E-mail (Exhibit F). She replied that she was in the process of obtaining insurance through [redacted], an acceptable insurance company per the Agreement.We appreciate your allowing us to explain how we have been flexible, and continue to be so, regarding Ms. [redacted]'s Agreement with us and the associated requirements.Sincerely,[redacted]Marketing & Customer Relations

Review: I bought a car from them 2/13/16 and the first month the battery died , the dealer replaced it. The horn stopped working,Then a few weeks after there was a wire shortage. All the headlights were working at the dealership and now all of them are blown I replaced them and they worked for a few days and stopped. I had to get new breaks and rotors within 3 months Then the engine blew They told

me to go to [redacted] Service Center in which I have it cost me me 1,000 for a rental car $420 for repair under warranty. After that everything was fine for a month until my car started over heating. I took it to a different mechanic to see what the actual problem was. That mechanic told me it was my engine AGAIN due to no oil being in the engine. I called the dealership to see if I could atleast exchange the car or if there were something he could

help me with and he had nothing to say but ignorant responses and He said himself he sold me a car that had problems and its not his fault.Desired Settlement: to either have it replaced , exchange or refunded .

Business

Response:

September 12, 2016 [redacted]Revdex.com of Western Pennsylvania 400 Holiday Drive, Suite 220 Pittsburgh, Pennsylvania 15220Re: Complaint Number [redacted]Dear Ms. [redacted]We have received your August 26, 2016, letter regarding the above referenced complaint, filed by [redacted] on August 25. We apologize for any delay, as we have had unexpected IT issues in our office, and thank you this opportunity to respond.On February 13, 2016, Mr. [redacted], who legally identified himself to us by his driver’s license (Exhibit A), entered into a Consumer Lease Agreement (Exhibit B) with All Credit Motors for a 2004 Chrysler Sebring (VIN [redacted]). In the Agreement, he acknowledged the following:• in Lease Disclosure 4, Section AA: that he was purchasing a voluntary service contract;• in Lease Disclosure 7: that he received the vehicle in good operating condition, with all parts and equipment in place and functional;• in Lease Disclosure 9: that the Agreement carries no express or implied warranty; and• in Term 8: that any and all maintenance or repairs must be performed at his sole expense.In the Vehicle Condition Addendum (Exhibit C) to the Agreement, Mr. [redacted] acknowledged the following:• in Additional Term 1: that he was taking possession of the vehicle “AS IS” [emphasis in context];• in Additional Term 2: that all repairs would be his complete responsibility;• in Additional Term 3: that the service contract he purchased is third-party and that “no implied warranty is included in the price of this vehicle” [emphasis in context];• in Additional Terms 4 and 5: that he had had the opportunity to test drive the vehicle and to have the vehicle inspected by a mechanic of his choice; and• in Additional Term 7: that any repairs that we, as the dealer, choose to make would be at our sole discretion.In the Agreement addendum Additional Program Notes (Exhibit D, Fact 1), as well as in the addendum Quick Reference Checklist (Exhibit E), to the Agreement, Mr. [redacted] again acknowledged that he was taking possession of the vehicle “AS IS” [emphasis in contexts]. Also in the Quick Reference Checklist, he acknowledged that he would be responsible for the costs of any and all repairs, that the service contract he purchased may be limited by its third-party provider, and that “no implied warranty is included in the price of this vehicle” [emphasis in context].In the Insurance Companies Addendum (Exhibit F) to the Agreement, Mr. [redacted] acknowledged that he understood and agreed to All Credit Motors’ insurance coverage requirements for the vehicle. In addition, in the Odometer Disclosure Statement (Exhibit G) to the Agreement, he acknowledged that the mileage of the vehicle was 94,848 at the time he was taking possession.Mr. [redacted] also purchased and signed a service contract (Exhibit H) from [redacted] Warranty Corporation. As a third-party provider, for which All Credit Motors acts only as agent for the application, [redacted] sets its own policies, procedures, and requirements for service coverage.Shortly after taking possession of the vehicle, Mr. [redacted] reported an unspecific battery issue. All Credit Motors replaced the battery at no charge.In mid-April, Mr. [redacted] reported an unspecific engine issue and asked our staff to recommend a mechanic, which we did. In early-July, Mr. [redacted] requested that we provide his vehicle payment history to a rental car service that he was attempting to use, and we obliged. It was only at the time that we were informed that the vehicle had already been taken again to a mechanic, as it allegedly had further unspecified engine issues, necessitating replacement. On our own accord, we subsequently contacted [redacted] of [redacted]’s Service Center and were informed that Mr. [redacted]’s service contract covered everything except the deductible, some belts, and a small portion of the labor charge.On August 4, four days into his monthly payment grace period, Mr. [redacted] called All Credit Motors, stating that he would be making that month’s payment on August 12. We agreed, but Mr. [redacted] never made his August payment.On August 15, we learned that the vehicle had been removed from Mr. [redacted]’s insurance coverage. We received no further notice that the vehicle had been transferred to another insurance policy or company. Several telephone calls to Mr. [redacted] between August 15 and 20 regarding the status of his insurance went unanswered, and the vehicle was repossessed due to lack of insurance coverage on August 30.Please note that the vehicle odometer read 106,035 miles at the time of repossession, Mr. [redacted] having driven the vehicle 11,187 miles during the six months that he had possession of it. We are further surprised by Mr. [redacted]’s dissatisfaction of the terms of his Consumer Lease Agreement and its addenda, as in the post-paperwork customer survey that he completed (Exhibit I), he stated that, “everything was well explained.”Sincerely, Lawrence E. L[redacted] Marketing & Customer RelationsEnclosures

Review: On January 2 2015 I went to All Credit Motors on [redacted] in [redacted] to purchase a "Rent to Own" car. I test drove the car I was interested in purchasing. When I came back from the test drive I asked [redacted] several questions about the car. I agreed that I would like to purchase the car. [redacted] asked for my ins card and drivers license. He checked my documents and made copies of both. Then gave them back to me.I gave them the down payment of $2,500.00, signed the contract and drove home in the car. Once home. I received a phone call from [redacted] asking me to contact my ins company to ensure I had the appropriate coverage on the vehicle. I did in fact up date my coverage to include the new car. The next day [redacted] called and asked me to contact my ins company again because the binder was incorrect. I called them, but because it was Saturday I was not able to speak with the appropriate department. Monday morning I contacted my ins company and asked that they change the binder. They said they would and that they would fax the updated info to [redacted]. Tuesday I called [redacted] to ensure he received the info that he needed. He said he was not at work but would let me know tomorrow. On Wed [redacted] called around 10am he said the info that the ins company sent over was incorrect. Therefore I called my ins company back and asked them to make the appropriate changes. They said it would need to be done manually and could take up to 3hrs. At 4:55 on Wed [redacted] called to let me know that his company did not accept my ins and that the car would be repossessed if I didn't get a new ins company by the next day. I said I wanted to speak with the owner of the company. [redacted] said he is standing right here next to him, please call back on the office phone so he can talk with you. I called back immediately everyone had left and someone would call in the morning. When I called Thurs I told them I could not afford new ins that I wanted to give the car back. They said no refunds so I would lose $2500.Desired Settlement: I want to give the car back if I could afford to buy insurance twice in 7 days I wouldn't have been there in the first place. In my opinion they are scam artists taking money from people who cannot afford anything else in the hopes they will have a car. The salesman had my information hours before I drove home and for 6 days afterward yet he did not mention to me that they did not accept my insurance until day 6 right before they close, giving them the opportunity to repossess the car.

Business

Response:

Re: Complaint ID [redacted] Dear Ms. [redacted]: Thank you for your letter dated January 12, 2015, regarding complaint number [redacted], filed by [redacted] on January 8. We welcome this opportunity to respond. On January 2, 2015, Ms. [redacted] entered into a Consumer Lease Agreement (Exhibit A) with All Credit Motors for a 2004 Isuzu Axiom. As part of the Agreement, she also signed an Insurance Addendum (Exhibit B) and an Insurance Companies Addendum (Exhibit C), which explain the insurance requirements of the Agreement, as well list both the acceptable and unacceptable insurance providers pursuant to the Agreement. In addition, Ms. [redacted] signed and initialed a Quick Reference Checklist (Exhibit D), acknowledging that “to comply with this Contract, [she] must keep acceptable, full coverage insurance at all times” [emphasis in context] and “[she] may not use any of the companies listed as ’not acceptable' on the Insurance Companies Addendum.” By January 7, All Credit Motors, which had accepted Ms. [redacted]'s selection of [redacted] as her insurance company despite that company being disallowed by the Insurance Companies Addendum, had exhausted several days of correspondence with [redacted], attempting to get the required documentation that Ms. [redacted] would need in order to comply with the Agreement and its addenda. Ms. [redacted] was immediately contacted by telephone to inform her that [redacted] not provide the documentation and that she would need to submit proof of insurance from an acceptable company. This was followed up on January 8 by a telephone call by All Credit Motors’ co-owner [redacted], in which he explained to Ms. [redacted] that we would be willing to extend three (3) weeks' grace period while she arranged acceptable insurance. During that time, Ms. [redacted]would continue to have full use of the vehicle. Please note that a vehicle remains under the ownership of All Credit Motors throughout the term of an Agreement.On January 9, Ms. [redacted] E-mailed proof of insurance from [redacted], which is also listed as unacceptable under the Agreement and its addenda. Mr. [redacted] again informed her of such, provided a copy of the signed Insurance Companies Addendum, and even suggested an acceptable insurance company and a reputable broker (Exhibit E). (Unbeknownst to All Credit Motors, Ms. [redacted] had already filed formal complaint with your organization on January 8.)On January 16, Mr. [redacted] followed up with Ms. [redacted] via E-mail (Exhibit F). She replied that she was in the process of obtaining insurance through [redacted], an acceptable insurance company per the Agreement.We appreciate your allowing us to explain how we have been flexible, and continue to be so, regarding Ms. [redacted]'s Agreement with us and the associated requirements.Sincerely,[redacted]Marketing & Customer Relations