All creditors are obligated to act on consumer initiated credit disputes and Auto Finance USA invites Ms. [redacted] to explore that avenue should she have an issue with her credit reporting.
Complaint: [redacted]
I am rejecting this response because:
The business states that it would be falsifying information to remove from my credit report, however the amount reported on my credit report is higher than the amount provided by Auto Finance. Being a finance company you would think the numbers would be correct. It is also illegal to report a debt and not provide any documentation. It is also illegal to not have a way for the consumer to pay for such debt. My debt should have been sent to the business' lawyer and was told that they weren't sure why that wasn't done. Also a fake account was created in order for me to pay such debt after 2 weeks of constant arguing. I do not agree to make payments but being forced to because they refuse to remove it from my credit report. I have told them the amount on my credit report is different than they are telling me. Talk about falsifying information...there is the fake account created, the amount is incorrect on my credit report, the 2ND email that was sent to me from [redacted] looked as if I was starting a new loan, and I'm NOT. I am still demanding this removed from my credit report. There will be no proof this will be applied to the debt if I did make a payment.
Sincerely,
[redacted]
Initial Business Response /* (1000, 11, 2015/10/21) */
The KEY Finance appreciates the opportunity to address Ms. [redacted]'s concerns and apologizes for any frustration and/or confusion in dealing with her automatic payments. The Finance department recently switched payment vendors, which also...
entailed switching all automated payments to the new payment system as well. Our new payment system is up and running with no further issues. We invite Ms. [redacted] to contact The KEY Finance to discuss any other concerns she may have.
Initial Consumer Rebuttal /* (3000, 13, 2015/10/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The issue is not resolved as I just received a call from the finance department on October 20th over the same issue. And I have tried to call and speek to management on 5 occasions and represenitives refuse to let me speek to anyone that may be able to resolve the issue.
Final Business Response /* (4000, 15, 2015/10/23) */
To reiterate, Finance apologizes for any undue frustration caused by the payment vendor and ultimately automated payment conversion. Our new system is now viable and functioning as before; we invite Ms. [redacted] to check the email address she provided to Finance and she should find the link and temporary password confirming her payments are now set up on automatic withdrawal.
Complaint: [redacted]
I am rejecting this response because: I was told to have [redacted] sign the document because she was on the account and because the car was in her care. So because of improper training done to your staff I'm not paying for it. We were offered a deal to pay X amount and then have the remaining balance added to the end of the term we accepted the offer and we were ready to pay immediately the woman said she cleared it with her manager but after wanting verbal confirmation from the manager he told us a completely different thing. Since the calls are recorded go back and listen to the calls from December 2016 till February 2017 and you'll see we accepted the offer and was willing to pay for their mistake and misinformation. I do see we are not the only ones that have had this issue such a same you do this to customers.
Sincerely,
[redacted] & [redacted]
Auto Finance USA appreciates the opportunity to alleviate Mr. [redacted]'s frustration and invites him to contact a representative of AFUSA so that a mutual resolution can be reached.
Mr. [redacted] requested changes to his account on December 17, 2016, but (1) failed to return the signed documents...
by the requested due date of December 31st (2) had someone other than an account holder sign the documents (3) failed to maintain the aging of his account--all nullifying the terms of the agreement. AFUSA made numerous attempts to contact Mr. [redacted] and offered resolution and assistance, but ultimately Mr. [redacted] chose to return the vehicle to AFUSA of his own accord.
Auto Finance USA has confirmed the successful delivery of all the paperwork requested by Mr. [redacted] and invites him to contact a representative of AFUSA should he have any additional questions or concerns.
Auto Finance USA invites Ms. [redacted] to contact a representative at her convenience so that mutual resolution may be reached concerning her payment schedule.
While Auto Finance USA understands Ms. [redacted]'s frustration, we have asked repeatedly for any documents she may have to substantiate her claim of payments made that were not reflecting on her account. We have yet to receive those documents. We invite Ms. [redacted] to contact a...
representative at her convenience so that a mutual resolution may be reached.
The KEY Finance understands Ms. [redacted]'s frustration and invites her to contact a representative of The KEY Finance at her convenience, so that her contractual obligations and account history can be explained in detail. Ms. [redacted] is mistaken in her statement of a "24% interest rate" and is...
invited to review her contract for her specific interest rate. The KEY Finance appreciates the opportunity to resolve this issue with Ms. [redacted] and is looking forward to speaking with her.
Initial Business Response /* (1000, 9, 2016/01/19) */
The KEY Finance appreciates the opportunity to address Ms. [redacted]'s concerns and invites her to call a representative, so the modification process can be begin on her account.
This loan was an old loan in a system we no longer use. All active loans have been transferred to the new system but non active loans like this one were not transferred. This is part of the problem in locating the loan when calling into the service center that does not have access to the older...
system and requiring more time to locate the information.The request to remove accurate information from a credit report because of the challenges to provide the customer with the requested information of an expired loan is declined. We like many other companies are held to an expectation to provide true and accurate information to the credit reporting agencies. The customer’s challenges in requesting information does not justify falsifying credit history. Per the customer’s request we have communicated the following agreement through e-mail outlining the information needed to resolve the unpaid balance. From: [redacted] Sent: Friday, September 16, 2016 9:25 AM To: '[redacted]@yahoo.com' <[redacted]@yahoo.com> Subject: Important Message [redacted], Per your request here is the information needed to pay off Account [redacted] under the name of [redacted] N [redacted] VIN [redacted] that was written off as of May 28, 2015.Payment arrangements have been accepted in the amount of $500 per month until the current balance of $3,246.46 has been paid in full starting September 2016.Payments will be accepted by cashier’s check or money order sent to the following address below. Please include your name, account number, and VIN with your payments.PO BOX [redacted], Oklahoma City, OK [redacted] If I can be of any other assistance, please let us know. Thank you, [redacted]Auto Finance[redacted]@thekeyonline.com
Initial Business Response /* (1000, 5, 2015/11/16) */
The KEY Finance did indeed change payment vendors; however, the vendor change did not impact Ms. [redacted]'s account. The KEY Finance encourages Ms. [redacted] to contact a representative at her convenience, so that her account history can be explained...
Initial Business Response /* (1000, 6, 2015/10/21) */
The KEY Finance appreciates the opportunity to address Ms. [redacted]'s concerns, beginning with her claim of a 33% interest. Ms. [redacted]'s interest is most definitely NOT 33% and her current APR is reflected not only on her signed contract and...
purchase agreement (along with any other documents presented at the time of the sale), but always available via an account representative at The KEY Finance. Ms. [redacted] purchased the Fiat in February 2014; the account notes do not reflect her concerns about the size of the Fiat or her car seats until October 15th, 2015, approximately 20 months after the purchase of her car. The KEY Finance encourages Ms. [redacted] to contact us at her convenience so that her concerns can be addressed accordingly.
Initial Consumer Rebuttal /* (3000, 8, 2015/10/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have spoken to the key several times. October 15th is NOT the first time I mentioned my car and the car seat problem. I tried to get it fixed the first day I received my car and nothing was done. A few months ago when I was explaining my situation, they submitted me for something to switch my car, and then said they would have to have $1000. They will not negotiate payments, or switch my car without more money. I can promise I have complained about this issue many many times. My number is XXX-XXX-XXXX. Your free to contact me if you have a resolution but considerin how many times I have explained the situation SINCE February, I know that you would rather me surrender my car than renegotiate my payments and put me in something that will fit my car seat.
Final Business Response /* (4000, 10, 2015/10/23) */
Finance would like to invite Ms. [redacted] to call a representative at her convenience and discuss the options that are available for her at this time.
All creditors are obligated to act on consumer initiated credit disputes and Auto Finance USA invites Ms. [redacted] to explore that avenue should she have an issue with her credit reporting.
Complaint: [redacted]
I am rejecting this response because:
The business states that it would be falsifying information to remove from my credit report, however the amount reported on my credit report is higher than the amount provided by Auto Finance. Being a finance company you would think the numbers would be correct. It is also illegal to report a debt and not provide any documentation. It is also illegal to not have a way for the consumer to pay for such debt. My debt should have been sent to the business' lawyer and was told that they weren't sure why that wasn't done. Also a fake account was created in order for me to pay such debt after 2 weeks of constant arguing. I do not agree to make payments but being forced to because they refuse to remove it from my credit report. I have told them the amount on my credit report is different than they are telling me. Talk about falsifying information...there is the fake account created, the amount is incorrect on my credit report, the 2ND email that was sent to me from [redacted] looked as if I was starting a new loan, and I'm NOT. I am still demanding this removed from my credit report. There will be no proof this will be applied to the debt if I did make a payment.
Sincerely,
[redacted]
Initial Business Response /* (1000, 11, 2015/10/21) */
The KEY Finance appreciates the opportunity to address Ms. [redacted]'s concerns and apologizes for any frustration and/or confusion in dealing with her automatic payments. The Finance department recently switched payment vendors, which also...
entailed switching all automated payments to the new payment system as well. Our new payment system is up and running with no further issues. We invite Ms. [redacted] to contact The KEY Finance to discuss any other concerns she may have.
Initial Consumer Rebuttal /* (3000, 13, 2015/10/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The issue is not resolved as I just received a call from the finance department on October 20th over the same issue. And I have tried to call and speek to management on 5 occasions and represenitives refuse to let me speek to anyone that may be able to resolve the issue.
Final Business Response /* (4000, 15, 2015/10/23) */
To reiterate, Finance apologizes for any undue frustration caused by the payment vendor and ultimately automated payment conversion. Our new system is now viable and functioning as before; we invite Ms. [redacted] to check the email address she provided to Finance and she should find the link and temporary password confirming her payments are now set up on automatic withdrawal.
Complaint: [redacted]
I am rejecting this response because: I was told to have [redacted] sign the document because she was on the account and because the car was in her care. So because of improper training done to your staff I'm not paying for it. We were offered a deal to pay X amount and then have the remaining balance added to the end of the term we accepted the offer and we were ready to pay immediately the woman said she cleared it with her manager but after wanting verbal confirmation from the manager he told us a completely different thing. Since the calls are recorded go back and listen to the calls from December 2016 till February 2017 and you'll see we accepted the offer and was willing to pay for their mistake and misinformation. I do see we are not the only ones that have had this issue such a same you do this to customers.
Sincerely,
[redacted] & [redacted]
Auto Finance USA appreciates the opportunity to alleviate Mr. [redacted]'s frustration and invites him to contact a representative of AFUSA so that a mutual resolution can be reached.
Mr. [redacted] requested changes to his account on December 17, 2016, but (1) failed to return the signed documents...
by the requested due date of December 31st (2) had someone other than an account holder sign the documents (3) failed to maintain the aging of his account--all nullifying the terms of the agreement. AFUSA made numerous attempts to contact Mr. [redacted] and offered resolution and assistance, but ultimately Mr. [redacted] chose to return the vehicle to AFUSA of his own accord.
Auto Finance USA has confirmed the successful delivery of all the paperwork requested by Mr. [redacted] and invites him to contact a representative of AFUSA should he have any additional questions or concerns.
Auto Finance USA invites Ms. [redacted] to contact a representative at her convenience so that mutual resolution may be reached concerning her payment schedule.
While Auto Finance USA understands Ms. [redacted]'s frustration, we have asked repeatedly for any documents she may have to substantiate her claim of payments made that were not reflecting on her account. We have yet to receive those documents. We invite Ms. [redacted] to contact a...
representative at her convenience so that a mutual resolution may be reached.
The KEY Finance understands Ms. [redacted]'s frustration and invites her to contact a representative of The KEY Finance at her convenience, so that her contractual obligations and account history can be explained in detail. Ms. [redacted] is mistaken in her statement of a "24% interest rate" and is...
invited to review her contract for her specific interest rate. The KEY Finance appreciates the opportunity to resolve this issue with Ms. [redacted] and is looking forward to speaking with her.
Initial Business Response /* (1000, 9, 2016/01/19) */
The KEY Finance appreciates the opportunity to address Ms. [redacted]'s concerns and invites her to call a representative, so the modification process can be begin on her account.
This loan was an old loan in a system we no longer use. All active loans have been transferred to the new system but non active loans like this one were not transferred. This is part of the problem in locating the loan when calling into the service center that does not have access to the older...
system and requiring more time to locate the information.The request to remove accurate information from a credit report because of the challenges to provide the customer with the requested information of an expired loan is declined. We like many other companies are held to an expectation to provide true and accurate information to the credit reporting agencies. The customer’s challenges in requesting information does not justify falsifying credit history. Per the customer’s request we have communicated the following agreement through e-mail outlining the information needed to resolve the unpaid balance. From: [redacted] Sent: Friday, September 16, 2016 9:25 AM To: '[redacted]@yahoo.com' <[redacted]@yahoo.com> Subject: Important Message [redacted], Per your request here is the information needed to pay off Account [redacted] under the name of [redacted] N [redacted] VIN [redacted] that was written off as of May 28, 2015.Payment arrangements have been accepted in the amount of $500 per month until the current balance of $3,246.46 has been paid in full starting September 2016.Payments will be accepted by cashier’s check or money order sent to the following address below. Please include your name, account number, and VIN with your payments.PO BOX [redacted], Oklahoma City, OK [redacted] If I can be of any other assistance, please let us know. Thank you, [redacted]Auto Finance[redacted]@thekeyonline.com
Initial Business Response /* (1000, 5, 2015/11/16) */
The KEY Finance did indeed change payment vendors; however, the vendor change did not impact Ms. [redacted]'s account. The KEY Finance encourages Ms. [redacted] to contact a representative at her convenience, so that her account history can be explained...
in detail to her and a resolution reached.
Initial Business Response /* (1000, 6, 2015/10/21) */
The KEY Finance appreciates the opportunity to address Ms. [redacted]'s concerns, beginning with her claim of a 33% interest. Ms. [redacted]'s interest is most definitely NOT 33% and her current APR is reflected not only on her signed contract and...
purchase agreement (along with any other documents presented at the time of the sale), but always available via an account representative at The KEY Finance. Ms. [redacted] purchased the Fiat in February 2014; the account notes do not reflect her concerns about the size of the Fiat or her car seats until October 15th, 2015, approximately 20 months after the purchase of her car. The KEY Finance encourages Ms. [redacted] to contact us at her convenience so that her concerns can be addressed accordingly.
Initial Consumer Rebuttal /* (3000, 8, 2015/10/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have spoken to the key several times. October 15th is NOT the first time I mentioned my car and the car seat problem. I tried to get it fixed the first day I received my car and nothing was done. A few months ago when I was explaining my situation, they submitted me for something to switch my car, and then said they would have to have $1000. They will not negotiate payments, or switch my car without more money. I can promise I have complained about this issue many many times. My number is XXX-XXX-XXXX. Your free to contact me if you have a resolution but considerin how many times I have explained the situation SINCE February, I know that you would rather me surrender my car than renegotiate my payments and put me in something that will fit my car seat.
Final Business Response /* (4000, 10, 2015/10/23) */
Finance would like to invite Ms. [redacted] to call a representative at her convenience and discuss the options that are available for her at this time.