Auto Acceptance

I received the Revdex.com complaint submitted by Ms*** regarding Auto Acceptance loan# ***Auto Acceptance is, in fact, apart of Ron Tonkin but a separate entity from Ron Tonkin Mazda, the dealershipwhere Ms*** purchased her Nissan MaximaAuto Acceptance is the
financecompany only, and is not involved with the purchase price of the vehicle, theprice of the service contract, or other things of that nature that are agreed uponat the dealershipMs*** agreed to a purchase price of $9,and aservice contract of $1,400.00, both of which are clearly shown on the legallybinding, retail installment contract that was signed on 9/17/Any questionsor concerns regarding these amounts would have been between Ms*** andthe dealership, and should have been brought up at the time the vehicle waspurchasedThe monthly payment amount of $was a function of theinterest rate of 26%, which was a very typical interest rate at the time ofpurchase for customers with credit such as Ms***'
In May of 2013, we did decide to reduce Ms***' payments and interest, inan effort to help her, which is not something that we were obligated to doOn acontract modification, signed by Ms*** on 5/19/13, it shows we reduced thepayments to $per month, we reduced the interest rate to 17%, and wealso brought Ms***' past due account currentThe principal balance doesnot increase while paying reduced payments, but interest does accrue and thereis less money going toward the principal balance when the payments arereducedClearly stated on this agreement is that "failure to keep your accountcurrent can result in the account reverting back to the original contract terms andto default status." Ms*** then defaulted on her loan, again, in April of 2014.The last payment Ms*** made was on 3/26/She did not pay in April, orMay, and we repossessed the vehicle in JuneThe account was days past dueat the time of repossession, which is almost months in arrears
After the vehicle was sold at auction, Auto Acceptance mailed to Ms*** aNotice of Sale and Deficiency showing there was still a $4,deficiencybalance dueSince Ms*** did not respond or make payment on thebalance, Auto Acceptance then filed small claims through *** *** andobtained a judgmentWe then garnished Ms***' wages per the judgment.The final garnishment, that paid the account in full, was just received on 12/3/15.We then contacted Ms***' employer to stop the garnishmentAs thejudgment is now satisfied with no remaining balance, I am confused by Ms.***' statement, "years later I still owe $7000." All money collected fromMs*** was based on a legal contract and a judgment from the State of*, and was money owed by herSince the balance is now paid in full, weare considering the matter closed
Sincerely,Michael B***General ManagerAuto Acceptance

Thank you for the opportunity to respond to Mr***'s letter to the Revdex.com regarding the Ram 1500, VIN *** that he purchased from Tonkin Chrysler Jeep Dodge Ram Fiat on February 11,
It recently came to our attention that Mr*** had experienced
mechanical issues with his vehicle that began on his 11th wedding anniversary tripWe would like to apologize to Mrand Mrs*** for the distraction of car problems on their special weekend awayWe also regret the lack of communication that caused Mr*** to feel that his problem was not being addressed by our dealership
We would like to clarify that our used vehicle and multi-point inspections are completed on all used inventory to determine if a vehicle is safe and in good running condition before the time of saleAt the time of the inspection, there were no leaks or cracks in the manifoldThe vehicle also passed an emission test the day after our inspection
Service records for every vehicle are not always available, therefore our technicians base the repairs on the condition of fluids, belts and the results of diagnostic test that gauge the necessity of further maintenanceOur store's policy regarding manufacturer scheduled maintenance is that if a vehicle is in need of a tune-up, regardless of mileage, our technician will perform that maintenance, whether it be for 30K, 60K, or 70K mile maintenance
we have been in contact with Mr*** and have come to a satisfactory agreement with him to complete the repairs on his vehicleDuring that time, we will be loaning Mr*** a vehicle for his convenience
We thank Mr*** for his service to our country and for his trust in our companyWe are proud to be known for standing behind our products and peopleWe value our reputation as a company that our community respects and we look forward to service Mr*** in the future
Sincerely,
Brian B***,
General Manager
Ron Tonkin Chrysler Jeep Dodge Ram Fiat

August 15, 2017 Re: Case# [redacted], [redacted]   I received the Revdex.com complaint submitted by [redacted] regarding the Auto Acceptance loan #[redacted] Below is the history of contract modifications (due date changes and extensions) that have occurred on Ms. [redacted]'s...

account. Each of these modifications were requested by the customer in an effort to keep her account current and in good standing. In all three cases, Ms. [redacted] signed a contract modification agreement.   Contract Modification # 1 on 9/30/15: Ms. [redacted] requested a due date change in order to keep her account current. The original due date of the 26th day of month was moved to the 8th day of the following month. Her October due date was moved from October 26, 2015 to November 8, 2015. Originally, we did send a due date change stating the 9th was the new due date, but then changed it to the 8th by hand since the number of days exceeded our internal maximum number of days (14) we could postpone the due date. We verbally informed Ms. [redacted] of this over the phone. I have instructed my staff to ensure they do not handwrite over any dates, and to just re-type and re-send a correct contract modification agreement; however, even if the due date were changed to the 9th, and not the 8th, the payment was still not received by the 9th. Unfortunately, the payments began to arrive further and further past due in early 2016. Contract Modification# 2 on 5/31/16: A one-month extension was granted to help Ms. [redacted], extending the payment from June 2016 to July 2016. This information can be viewed on the payment history that was sent to Ms. [redacted]. Contract Modification# 3 on 5/26/17: Another due date change request was received from Ms. [redacted] and granted on May 26, 2017. The due date was moved from June 8, 2017 to June 21, 2017. Clearly stated on every contract modification is this verbiage: "Failure to keep account current at all times can result in account reverting back to the original contract terms and to default status." On July 15, 2017, we reverted Ms. [redacted]'s due date back to June 8th, since she defaulted on the newly agreed-to due date of June 21st. As of yesterday, August 14, 2017, the account remains past due.   In the three cases above, MS. [redacted]'s due date was moved out in an effort to assist her in making her monthly payment on time. In all three cases, this issue was not resolved. I am happy to send a new contract modification agreement to Ms. Deford, if the 21st day of the month is the actual date that will work for her moving forward.  I would even be willing to make an exception and make the new due date the 23rd, 24th, or 25th of the month, even though this exceeds our policy of moving the due date more than 14 days, however, any future modification must result in the account being in current status.   Auto Acceptance will not be granting another one-month extension to Ms. [redacted] based on the account history. Ms. [redacted] continues to call us after business hours when our business is closed. We continue to return her calls during our normal business hours. Ms. [redacted]'s voicemail is oftentimes full, so we are unable to leave a voicemail message. We ask that Ms. [redacted] please call us during our business hours of 8:00AM to 6:00PM at 503-254-2787 so we can try to come to an agreement.   Sincerely, Mike B[redacted] General Manager Auto Acceptance