Atlas Cars, Inc.

Response:*** ** correct; we must notify the customer of repossession stating the day and time of the auction and when the vehicle is soldThe notifications were sent by certified mail to the address provided by the buyers on 11/18/and on 12/3/Sending these notices by certified mail fulfills our legal obligationIf the customer does not sign for the letters they will not receive themSince this complaint, the customer has requested copies of these lettersWe have mailed the customer the copies of the letters, copies of the outside of the envelopes stamped “unclaimed” by the post office, as well as tracking numbersAs to the confusion of who was the buyer/co-buyer on this loan, *** signed documents stating she was the buyerCo-buyers both have full financial responsibility of the loan

*** *** purchased a vehicle from Atlas on 12/1/The vehicle he purchased came with a month mile warranty that covers the engine block, internally lubricated parts, transmission, drive axles, fuel pump water pump and alternatorIn January *** called because he felt his
transmission wasn’t functioning properly so we scheduled him an appointment for 1/27/that he did not show up toHe later scheduled a second appointment for 2/9/that he again did not show up toOn 3/14/he finally got the vehicle to us and it was determined he would need a transmissionWhen the vehicle was brought to us he had put miles on the vehicle, putting him out of warrantyEven though he was over on the mileage for his warranty, we covered it anywayOn 4/25/*** called me and said he was experiencing an overheating issueI told *** he didn’t need an appointment to bring it to me asap and we would look at the vehicle*** said he would bring it to me that evening so we could look at it first thing the next morning*** never showed the next day and we haven’t heard from him sinceNeither myself nor the owner has spoken with *** in regards to any prior complaintsIf *** would like us to look at his vehicle to inspect his overheating issue I urge him to call so we can take care of the issue.Sent on: 4/29/2:26:PM

Response:Rebecca financed a vehicle on 11/2/writing a check for a $down paymentOn 11/11/we were notified by her bank that the check would be returned due to insufficient fundsWe notified *** of the bad check by telephone and she made an arrangement to cover the checkHer
arrangement was not kept and the vehicle was repossessedPer Kentucky state law once a vehicle has been repossessed you must auction the vehicle and apply proceeds to the debtors balanceIf there is a remaining balance, the debtor is still responsible to pay that amountWe notified the buyer of the time and place of the auction via certified mail, and again via certified mail at the conclusion of the auction to inform of the remaining balanceTo this date, no effort has been made by Atlas Cars Inc to collect ***’s deficiency balanceWe have not heard from *** until 7/7/in which she wanted to make arrangements to pay her deficiency balance

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowI did show up and all they fixed was the grinding noise I heard and said they fixed the motor mount but however, when my car broke down, they did notAlso I get paid on MondaysOn the day I do not get paid, which is a Saturday, that is the only day they would allow me to refinance and it was after I had already paid them or moreThey would not wait until Monday for another Then they did not tell em until the week of my car being auctioned and I had no time to come up with the rest of the
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I NEVER received notification of the time or place of the auction on the vehicle prior to it being resold on their lot, which is against Kentucky State LawThey have even acknowledged that the certified letter was not signed, which means I never received itThey sold the vehicle back to themselves and then resold it to another customer for the full price, receiving the money for the vehicleIt is shady businessAlso, when I signed for the vehicle it was my understanding that I would be CO-SIGNER for my brother on the loanInstead I find that I was put as the buyer because my brother did not have sufficient income to be the main buyer and they put him as co-signerI have never had that car in my possession nor did I know it was repossessed until later after they already sold it back to themselvesI did call to tell them that the check was insufficient because my brother never paid me for the down payment and that I would try to make it good once I got back into townMy brother never gave me the down-payment for the car so I never paid itI told my brother to call them and work it out since it was his vehicleI assume he never didHowever, I still have the legal right to at least get notification regarding the time and place of the auction, to which I never received one.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[The statements in their response are falseI've contacted this business on NUMEROUS occasions without receiving any help except bring it in and we will look at it but it will take several days to get to itI have to go to work and am not able to leave my only method of transportation for several days on their carlotTherefore the appointments they are referring to were not kept because I found someone to do the work that dayAlso, I just bought this car and it should not need so much work right off the batI expect when I go to a place of business and purchase something for 11,it will be in proper working orderThe car didn't even have any oil in it when I bought itThis place has terrible reviews so it's not just meI was dealt a very unfair hand because I was in a bind and the owner knew itHands down worst company I've ever had to deal with]
Regards,
*** ***

Tell us why here...The customer called about a discrepancy with his credit bureau on 4/9/18. He was told we needed to get a hold of Trans Union to see what the issue was. After several attempts to Trans Union they were finally able to correct his reporting. We also offered to provide any supporting...

documentation or to speak to any potential creditors in the mean time. The account has been corrected as of 4/19/18 and we have been told by Trans union that the correction should show on his bureau within 7 business days.

Response:Ms. [redacted] purchased her car on 10/14/16. While purchasing the vehicle we noticed there was a little bit of movement on the motor. We gave her a “we owe” to bring the vehicle in to be fixed free of charge within 30 days. She scheduled an appointment to have the vehicle looked at on 11/1/16...

where it was discovered the motor mount was worn and the mount would need to be ordered. The part could not be in for 2-3 days. We rescheduled her appointment for when the part would arrive and the customer never showed and she never rescheduled. On 6/19/17 the customer called and said she was driving the vehicle and it started shaking then died. We advised the customer to get the vehicle to us so we could diagnose the issue. Upon inspection it was determined that there was internal damage to the motor and it would need to be replaced. The customer said she was unable to pay for the motor job, the customer was told if she caught up her past due payments on the account and $500 towards the repairs we would fix the car and let her make payments on the remainder of the repairs. The customer did catch up her account but was only able to pay $177 towards the repairs. While here we asked the customer what she was comfortable paying towards her repair bill each week in addition to her $85 car payment. The customer set a lofty goal of $275-$300 a week. I told her that seemed quite high and made the repair payment $200 for the month and if she wanted to pay extra she could. She signed a promissory note for $200 monthly that states this loan takes priority to the car loan, meaning if the repair loan falls behind, it gets paid before funds can be applied to the vehicle loan. After releasing the vehicle the work order account and car loan fell behind with the very next payments due. She emailed several times with promises to catch her accounts up asap. By 9/25/17 she had only made 1 payment towards her car loan for a total of $85, leaving her $850 behind. To try to give the customer some relief, on 9/25 the owner agreed to refinance both the car loan and the repair payment if the customer would pay $300 towards her past due balance. The refinance would make her car loan current and lower the repair payment to $15 a week. She said she could get $200 on 9/30 and the owner agreed to accept that and refinance her accounts. She never paid the $200, made several promises to pay that weren’t kept and finally the vehicle was repossessed on 10/9/17. After the vehicle was repossessed the customer contacted me with the intent on getting her vehicle back. I let her know her auction date (10/28/17) and explained if she did not have the funds to redeem the vehicle by that date that I would extend her sale to the next auction if she could pay the total repo fee of $225 before 10/28/17. She said she intended to do that and would get back with me later. The repo fee was never paid so the auction proceeded as scheduled. It is unfortunate that this customer lost her vehicle. However, we have done everything possible to help this customer get on track with her payments. We financed a major repair while her account was already struggling and tried to refinance her severely delinquent account once she was in danger of losing it.

[redacted]
 
Ms [redacted] originally purchased a 2001 Ford Escape with us on 8/30/20** with a limited warranty. The warranty covers the engine block, internally lubricated parts, transmission, drive axles, starter, fuel...

pump, water pump, and alternator for 6 months or 6000 miles, which ever occurs first.
On 3/3/** Ms [redacted] called and informed us her vehicle was immobile at her sisters house. We dispatched a tow driver to retrieve the vehicle, upon inspection it was determined her vehicle would need a transmission. The customer expressed concern that she did not have time to wait on a transmission job, even though the customer was out of her warranty period, and with no obligation to do so, we agreed to trade Ms [redacted] in to another vehicle.
3/7/** Ms [redacted] was traded in to a 2007 PT cruiser. Roughly a week later [redacted] called and advised the vehicles service engine light had come on and said the vehicle was not running smoothly. We scheduled her maintenance appointment for 3/18 which she did not show up to. [redacted] called again 3/19 and said she had a trip out of town and expressed concern about driving the vehicle. She was advised if she could not get the vehicle to us to inspect before her trip, that she has it checked out by another mechanic shop.
On 3/23 [redacted] called and advised the vehicle was on the side of the highway. We dispatched a tow truck and retrieved the vehicle. Upon inspection it was determined that the vehicle was driven hot for too long, resulting in a blown motor.
Ms [redacted] has missed a total of 4 service appointments. Had she shown to her appointments we feel the issues could have been remedied before serious damage was caused. We have agreed to cover the motor under the original warranty even though this malfunction was due to customer neglect.
 
 
* The PT Cruiser had previously been sold. The customer had experienced trouble starting the vehicle and was traded the next day after purchase. It turned out to be a security issue with the vehicle which was fixed by a Dodge dealership prior to the purchase of Ms. [redacted]. In no way was there previous motor damage.
 
 
[redacted]
Auto Finance Solutions
1507 N. Dixie Blvd.
Radcliff, KY 40160
[redacted]