Arrow Finance Company

[redacted] , Arrow Finance account number: ***Account open 4-14-14, account balance due $4,102, past due 11-17-2015, delinquent amount due $984.10, plus tow fee and storage.Collateral was repossessed March 2016.Arrow Fiance offered to allow Ms [redacted] the opportunity to redeem the repossessed collateral, after the delinquent amount due, tow fee, and storage fee is paidMs [redacted] refused.While Ms [redacted] was in our office lobby she was loud and creating a disturbing scene, and therefore was ask, ordered to leave.Ms [redacted] is not welcome in our office

[redacted] , filed chapter 7 bankruptcy, and it is our policy, and the advice of our attorneys, that we do not directly communicate with any customer who is under the protection of bankruptcy.Any Arrow Finance customer who is under the... protection of the bankruptcy code, must communicate directly with our attorneys, individually or through their attorney.

Complaint: ***
I am rejecting this response because: I want both mine and ***'s credit reports fixed as I asked remarks removed on what they put on our reports and I want the satisfaction on record through the courts and I want a copy of the satisfaction sent to me at our addressOur address is *** *** ** *** *** ** ***I also feel the representatives that handled my call need reprimanded and training on how to handle a customerI work in a call center and if I were to treat my customers the way these representatives treated me I would be fired and escorted out the doorWhen some one asks for a Supervisor you don't tell a customer "sorry sister I am all you got" that is not a professional response nor is she my sister that is very inappropriateWhen you are paid in full the company has to take care of the updating of a report that was asked and disputedI will never use and never refer anyone to a company that treats customer as they treated myself
Sincerely,
*** ***

BASED ON THE INFORMATION PROVIDED FROM MISS ***, AND OUR REVIEW OF THE FIVE KNOWN PAST, PAID ACCOUNTS, NO REPORTING ERRORS TO OUR KNOWLEDGE EXIST
IT MUST BE NOTED, ARROW FINANCE COHAS NOT BEEN GIVEN PERMISSION FROM MISS ***, FOR US TO OBTAIN A MORE RECENT CREDIT BUREAU FILE FROM TRANS-UNION
AS MENTIONED IN PREVIOUS CORRESPONDENCE, MISS *** CAN CONTACT TRANS-UNION AND DISPUTE ANY CREDIT INFORMATION PROVIDED FROM ARROW FINANCE COTHROUGH THIS DISPUTE PROCESS, IF AN ERROR EXIST, IT WILL BE CORRECTED
ARROW IS NOT DISPUTING MISS *** CLAIM, AND WILL CORRECT ANY EXISTING ERROR, IF ANY EXISTPRESENTLY NO PROOF HAS BEEN PROVIDED OF ANY SUCH REPORTING ERRORS

Initial Business Response /* (1000, 5, 2015/11/16) */
November 16,
Revdex.com Case #: XXXXXXX
Arrow Finance Co Account #: XXXXX
Arrow Finance Company is reporting this as a zero balance and closed accountIf the customer has a credit bureau showing otherwise then please forward and we
will look into correcting the problem
If any further questions, please contact Arrow Finance Company
Thank You
*** ***

Initial Business Response /* (1000, 5, 2015/09/03) */
We need more info, an social security number would help, we have a number of *** ***, in order to give the Revdex.com correct info and correct any errors, if an errors exist, we need to identify the right *** ***

(The consumer indicated he/she DID NOT accept the response from the business.)
The credit report only shows the first digit of the account numberAccount in question begins with ***, month term, opened 09/02/2010, $194/month, date of last payment 11/2012, months September through
February no payment history reported, July & December show days lateHowever there are other accounts that have missing or inaccurate payment history that I would like reported/correctedI can fax Arrow Finance the information I have from my credit report if needed, but I show a total of accounts from 1/31/until 01/I would like a copy of my payment history with all accounts for my recordsI have disputed the account in question with Equifax & would like my information updated with all three credit bureaus

Initial Business Response /* (1000, 7, 2016/02/23) */
Ms *** has an account that started 07/17/and she failed to make the scheduled paymentsA judgment was taken in a court of law on 02/26/To our knowledge, Ms *** did not contact our office but did call our attorneys office and
speak with themShe made an offer of $on a $13,balance on 02/04/If Ms *** would like to make a reasonable offer, we may entertain the thought of settling the accountTo date, Ms *** is past due $13,When a customer is past due, it is customary for the lender to make collection inquiries via the credit bureauTo stop further inquiries, it is suggested that Ms *** pay off her account in full

2-3-2017THIS IS THE ONLY COMPLAINT WE HAVE RECEIVED.CUSTOMER; [redacted]ACCOUNT NO.; [redacted]ACCOUNT OPENED; 8-20-2009SCHEDULE: 30 PAYMENTS @ $222.28FIRST PAYMENT DUE WAS 09-19-2009, THEN DUE EVERY 30 DAYS, ON THE 19THPAID IN FULL 4-16-2012LATE CHARGES CHARGED TO ACCOUNT, DUE TO LATE PAYMENT ON...

FOLLOWING DATES;1-05-2010, 7-14-2010, 8-19-2010, 9-21-2010, 10-18-2010, 12-20-2010, 01-14-2011, 04-13-2011, 05-18-2011, 06-17-2011, 07-07-2011, 08-15-2011, 09-19-2011, 10-19-2011, 11-21-2011, 12-19-2011, 01-18-2012, 02-21-2012, 03-14-2012, 04-16-2012.TWENTY TIMES LATE

[redacted] and [redacted], opened an account at Arrow Finance Co. on August 26, 2013.  this was a refinance of a previous account.The high balance due was $5,640.48, 24 payments @ $235.02.  Due to deliquency, the collateral securing the loan, a 2001 Chevrolet Impala was repossessed in September...

2014.  The delinquent account was assigned to the [redacted] for legal suit.  Arrow Finance Co. was awarded a judgment by the courts, against the [redacted]s and garnishments were filed to collect.  The repossessed collateral was sold December 2014, proceeds from sale were credited to the delinquent account.  After a number of filed garnishments, the [redacted]'s account was paid in full November 2017.  The customer will receive their original contract marked paid in full.  If there are additional questions regarding their account, the customers or thier attorney, must contact the [redacted].

Initial Business Response /* (1000, 5, 2016/02/16) */
ARROW FINANCE CO., HAS IN OUR LOAN RECORDS, MORE THAN ONE [redacted]. TOO CORRECT ANY MISTAKES, IF A MISTAKE EXIST, WE NEED OR REQUIRE MORE
IDENTIFYING INFORMATION.
POSSIBLY A FORMER ADDRESS MAY HELP, OR SOCIAL SECURITY NUMBER WILL FOR...

SURE IDENTIFY CORRECT PERSON.
THE ADDRESS GIVEN DOESN'T MATCH THE ADDRESS ON FILE UNDER THE NAME OF [redacted].
Initial Consumer Rebuttal /* (3000, 9, 2016/02/17) */
My apologizes for not providing a past address. My past address that I was at for my other loans with Arrow Finance was [redacted] Apt A Creve Coeur, MO XXXXX. The last four of my social are 2050. As you will be able to tell from my past loans I paid on time and paid off my loans.
Final Business Response /* (4000, 11, 2016/02/22) */
Ms [redacted] has an account with Arrow Finance Company that opened 04/12/11. She is joint on the account with Mr [redacted] Ms [redacted] failed to make the payments on the account and a judgment was taken in circuit court on 11/26/12. We currently have a garnishment running on Ms [redacted] that is returnable on 03/28/16.

[redacted], filed chapter 7 bankruptcy, and it is our policy, and the advice of our attorneys, that we do not directly communicate with any customer who is under the protection of bankruptcy.Any Arrow Finance customer who is under the...

protection of the bankruptcy code, must communicate directly with our attorneys, individually or through their attorney.

UNDER THE NAME [redacted], WE FIND FIVE PAID ACCOUNTS. IN ORDER TO ANSWER MS [redacted] COMPLAINT WE NEED AN ACCOUNT NUMBER OF THE ACCOUNT IN QUESTION.
IF AN ERROR EXIST, WE WILL CORRECT.
IF A REAL PROBLEM OR MISTAKE EXIST ON HER CREDIT BUREAU FILE, THE MOST APPROPRIATE STEP WOULD BE TO HAVE TRANS-UNION SEND ARROW FINANCE CO. A TRANS-UNION CONSUMER DISPUTE VERIFICATION. THIS FORM GIVES THE DETAIL NEEDED TO MAKE CORRECTIONS, IF ANY.

Mr. [redacted]'s account with Arrow Finance Co. is a personal loan for an auto purchase.  The account open June 23, 2014, for a high amount of $4531.20, 24 payments of $188.80.Last payment on the loan is dated May 11, 2015.  Collateral was repossessed August 25, 2015, due to...

delinquency.  Arrow Finance Co. assigned the delinquent account to the [redacted].  Legal suit was filed January 2, 2016.  Delinquent balance due is $3,68762, plus attorney fees, legal cost and interest due.If you have additional questions regarding this account please contact the [redacted].

[redacted], Arrow Finance account number: [redacted]Account open 4-14-14, account balance due $4,102, past due 11-17-2015, delinquent amount due $984.10, plus tow fee and storage.Collateral was repossessed March 2016.Arrow Fiance offered to allow Ms [redacted] the opportunity to redeem the...

repossessed collateral, after the delinquent amount due, tow fee, and storage fee is paid. Ms [redacted] refused.While Ms [redacted] was in our office lobby she was loud and creating a disturbing scene, and therefore was ask, ordered to leave.Ms [redacted] is not welcome in our office.

Answer to complaint was sent Friday 2, 3018 to the Revdex.com

Initial Business Response /* (1000, 5, 2015/10/15) */
Arrow account number XXXXX
Account open 4-9-15
15 payments @ $282.22 per month
Current balance due is $3,395.30
last paid 8-21-15
next due 8-24-15
account past due $603.10
Collection phone calls are necessary when an account is past due,...

and collection calls are made to debtors signed on account, only.
Again, as of 10-15-15, Mr. [redacted] account is past due $603.10, plus late charges.