AutoSmart

The customer was very delinquent on their payments. Our company offered a program in which they could bring their account current without having to pay the amount they were actually behind. It is a helpful program for many of our customers that have fallen behind on their scheduled payments. This...

customer did not follow through correctly with the program offered making the program null and void. The customer also made no further attempts to make any payments on the vehicle. We were given no other option by the customer at that point but to retrieve the collateral. We do not do our own repossessions, they are outsourced to a repossession company. It is the customers responsibility to cover the cost of the repossession if they plan to redeem their vehicle.

The customer did have issues with the Chevy Cobalt that she purchased. We tried to fix the issues and as stated in the warranty paperwork there is a $200.00 deductible for issues that are covered. The customer agreed to this. She did not pay the full deductible but did pay $50.00 of it and we...

agreed to that. I believe this shows that we are trying to be helpful. It was after the customer agreed to the repairs that we all made a decision to switch her into another vehicle. Our service department has not taken any phone calls in regards to issues on the vehicle she switched into so we are unaware of any problem, if any. I do not believe we have done anything wrong I suggest that the customer catch up on her loan and I will be happy to apply the $50.00 paid on the deductible to her loan as soon as it is caught up. Thank you.

Hello,There was plenty of explanation given on everything that is mentioned in this complaint. There are absolutely no hidden fees and I answered all the questions to the best of my ability as did other in our business. I even asked our customers Grandfather if the remaining balance left over from...

the insurance claim was the real issue but I never received a clear response. I was going to happily offer the remaining balance to be forgiven but filing a complaint against our company with the Revdex.com does not warrant that in our eyes anymore. We have done absolutely nothing wrong and are being truthful in every aspect of this loan. These are false allegations and this could have been handled in a much better way.

The customer actually had her vehicle towed to [redacted] to get her ignition control switch fixed because it was a recall. A recall we were unaware of at the time. Our customer requested her vehicle be looked into further by [redacted] and not us. we had not seen the vehicle in...

service until 1/26/17. We are working quickly to fix the problem. The $200.00 deductible is the amount sign and agreed upon by the customer under the terms of the warranty.

After meeting with the salesman, finance manager, and sales manager, it seems that the whole story is not being provided in this complaint. Our approval process can take some time as it is based on multiple factors. The reason for the delay in purchase was a few things. First, we could not get an...

approved loan on the customers first choice based on those factors. After finding the suitable vehicle that we could get approved the customers insurance became an issue and although we can help in that process to get the best insurance deal possible, we do not have control of it. We stand behind our vehicles and we do have warranty coverage, however a radio is not covered under that warranty and the finance manager assures me that he never told anyone to "come back Monday to get it worked on". Even though we do not cover radio's in vehicle we can make an exception but there is a $200.00 deductible for a work done as stated in the contracts signed.

I can verify that the car was returned and the loan was in default. If the customer paid a individual last year for insurance I would hope they asked for a receipt. Our salesman are not insurance providers or insurance representatives. The salesman who you are trying to reach is listed on your...

paperwork at the time of the sale. His name can also be provided to the customer if you call or ask for it in writing. If there was any theft in anyway I encourage the customer to call the police and file a report with any evidence available. Of course we would never condone anything so criminal.

I am unable to change the report unless you dispute the credit reporting. The reason if shows a paid repossession on the credit report is because the vehicle had been previously repossessed on 9/29/2014. I am happy to try and erase that for you but you must follow the previous instructions or there is nothing I can do. The same goes the co-buyer.

If the customer would like to come in so this is better explained I would be happy to do that. Like I previously stated, we have to have signed a new contract (refinance) to change the payment schedule. We leagally cannot change the schedule without the customer written signature on the agreement. The amount financed does not change.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.While going over payments on contract, I informed [redacted] I would be paying the full $200 on the 3RD of each month when I got my disability check. He stated that was fine and I would pay the car off sooner doing that. NEVER did he change anything and continued with me signing. I will not agree to anything or come sign anything without having in writing that the amount I'm supposedly behind be written off. I have been throufh enough with this car lot and WILL stand my ground on my descision and not be taking advantage of anymore.
Regards,
[redacted]

Unfortunately you actually did see the cost of the vehicle before it was reconditioned. That should not have happened of course and the sale price you were given was the actual sale price of the vehicle. The customer was not being deceived or over charged, we have set prices on all our vehicles. We...

apologize for the misunderstanding.

I had received your letter several months ago and when I personally addressed it with you, you had made up your mind that you did not want Auto Smart to help you even though that was exactly what I was offering at the time. These were your words. You said you wanted a new car dealer to handle...

your issues. I offered assistance and you refused that assistance. At that point the matter was over for our company. You then decided to stop paying for your vehicle. That leaves the company no choice but to retain its collateral.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.AutoSmart is referring to a completely different loan (2006 Jeep Commander-silver). The loan I am referring to is under [redacted] and I am the cosigner ([redacted]). The car (2008 Chevrolet Impala-white)  was totaled out and our insurance company sent a check to settle the remaining balance. The information was placed on both of our credit reports as a repossession and that inaccurate. We would like it removed from both of our reports ASAP.Thank you
Regards,
[redacted]