Ball Automotive Group

Ms [redacted] ATTORN E:Y AT LAW [redacted] ***TE:LE:PHON E: : [redacted] FAX: [redacted] February 13, 2015Revdex.com of San DiegoViewridge Ave#200San Diego, CA 92123-1688Ourre: Ball Auto GroupYourre: [redacted] [redacted] Claim ID No: [redacted] (Ball Automotive Group's follresponse to [redacted] complaint)Dear [redacted] ***Please refer to my February 12'h letter to you, in which I explained the initial steps I hadtaken to resolve [redacted] complaint.Enclosed please find copies of the two letters I sent to [redacted] todayOne explainsthe steps that Ball Leasing has taken to notify the credit reporting agencies that [redacted] is nolonger indebted to BallThe other is a separate letter to [redacted] which, as the text indicates, Ihave told her she may deliver to any merchant or lender from which she is seeking credit,indicating that although the repossession of her vehicle was valid, she is not indebted to Ball forany money.I trust these follcommunications will resolve [redacted] complaintIf,however, her complaint persists, please contact me and I will take further appropriate action tosatisfy [redacted] .Thank you for your attention to this matter.Dear [redacted] :Accompanying this letter you will find a separate letter which you may show to yourbank or any other financial institution or merchant from which you are seeking credit.I'm also enclosing a copy of your [redacted] Credit Report, which you gave Ball writtenauthorization to runBall reported your transaction only to [redacted] , not to any other creditreporting agenciesI've circulated the [redacted] Credit Report entry pertaining to yourtransaction with Ball.Within the next one or two working days Ball will be contacting [redacted] , and requestingthat [redacted] delete any reference to a current balance due and owing by you to BallAs Ipreviously explained to you, however, your surrender of the automobile to Ball was a ''voluntaryrepossession", and as such, it will remain reported as such on the [redacted] Credit Report.I hope the actions taken and reported to you in this and the accompanying letter of thisdate, as well as yesterday's letter to the San Diego Revdex.com satisfactorily resolveall of your concerns regarding the above-referenced letterIf not, please don't hesitate totelephone me.Thank you for your courtesy and cooperation in helpin us resolve this matter to yoursatisfaction.OurRe: Ball Honda/Ball Auto GroupYourRe: Correction of Credit Report/Credit Profile InformationDear [redacted] :I write to confirm the substance of our several recent telephone conversations duringwhich we discussed the above-referenced matter.You had telephoned the management of my client, Ball Honda/Ball Automotive Group("Ball"), and expressed concern that your Credit Report apparently reflected a voluntaryrepossession of an automobile and an open account on which you owed Ball $7,029.00.Ball referred your inquiry to me, and I have carefully reviewed Ball's transaction fileregarding the above-referenced matter.You defaulted on the terms of the Lease between you and Ball Leasing for a HondaautomobileWhen you were unable to continue to make payments on that Lease, you returnedthe automobile to Ball as a "voluntary repossession".After the repossession, Ball determined that you owed Ball a balance due on the Lease(for unpaid lease payments, repossession and shipping costs from Portland, Oregon, to NationalCity, California) of$7,At that time a former Ball employee who was handling youraccount, a [redacted] ***, spoke with you, and because of your report of your then-fragile economiccircumstances, [redacted] *** decided that Ball would not pursue collection of a deficiency balance.As of this date, Ball is not claiming that you owe Ball any money on account of theabove-referenced automobile lease transaction, because of [redacted] previous decisionBallhas no intention of pursuing collectionYou do not owe Ball anything[redacted] Re: Ball Honda/Ball Auto Group: Correction to Credit ReportFebruary 13, 2015Page2You may forward a copy of this letter to any merchant or financial institution whenapplying for credit in connection with any subsequent transactions, and anyone wishing to verifythe authenticity of this letter may telephone me at my above-written telephone number.Should you have any further questions or comments regarding this matter, please don'thesitate to contact me.JPO:**Cc: [redacted] **

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.I would like to have a copy of my file from the Ball Group, to my knowledge I never missed any car payments,I was told the car went to auction, strange for a brand new carI was never notifed from the Ball Group of them reporting a to the credit agency I thank the Ball Group for removing the dollar amount they claimed I owe, however, I would like them to consider removing the voluntary from my credit reportI was a customer of the Ball Group for years and purchased many vechicles, when I spoke to [redacted] about returning the Honda, he never mentioned that the Ball Group would file any bad debit claims against me Regards, [redacted]

Revdex.com Viewridge Ave # San Diego, CA 92123- Re: Response to ID [redacted] Dear Revdex.com, Thank you for notifying our dealership of Mrs [redacted] 's recent complaintIn response to your letter, I immediately contacted Mrs [redacted] to review her experience at our dealershipWe spoke for several minutes over the phone around 2:15pm on Oct 24th I decided to take my technician, who originally diagnosed her Kia Sportage on Oct3rd 2014, to her home and re-inspect her vehicleWe arrived at Mrs [redacted] s home around 2:45pm Oct 24th and inspected her vehicleWe couldn't find any fire damage under the hood, we inspected the oil stick and it showed a % quart overfullMy technician attempted to start the Kia but was unsuccessfulHis opinion was that the starter needs to be replacedWe explained to Mrs [redacted] that her vehicle has several issues wrong, also explained to her on Oct 3rd as recommended services, and for us to fully reinspect the vehicle we would need to lift it up in the air at our shopI offered to tow Mrs [redacted] s Sportage to our shop at our expense, but explained that the repairs would have a cost and need to be paidShe said she could not afford the repairs at this time and declined my offerMy technician recommended a new starter and possibly a new radiator due to its current leaking conditionI recommended she get the repairs done soon either at our dealership or some other repair shopWe want Mrs [redacted] to know we'll give her discounts off of the parts and repair cost to get her vehicle running again Sincerely, [redacted] General Manager Ball Kia National City Blvd National City, CA 619-474-

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 Regards, [redacted] I am not satisfied as the underlying issue is a difference of an amt I was told and the actual amount on the invoice I was to pay was over by approx $usdI have since then taken my business elsewhere and the vehicle has been traded as I do not trust Ball Acura with any business matters Once again review my original complaint, I am seeking a refund

February 12, 2015Via Fax [redacted] And First Class Mail [redacted] **Revdex.com of San DiegoViewridge Ave#200San Diego, CA 92123-Our re: Ball Auto Group Your re: [redacted] Claim ID No: [redacted] (Ball Automotive Group's initial response to *** [redacted] complaint)Dear [redacted] **: I am the attorney for Ball Automotive Group ('"Ball")the Revdex.com Member business againstwhich [redacted] filed her initial complaint on February 3, Before receiving [redacted] complaint (which was forwarded to me by Ball'smanagement on February 11th) Ball's employee, the " [redacted] " mentioned in [redacted] complaint letter had telephoned me and asked me for advice on how to address [redacted] concerns (which, to my knowledge, had not yet them devolved into a Revdex.com complaint)I requested that [redacted] send me Ms [redacted] transactional deal file so that I couldacquaint myself with the facts and properly advise BallI did not receive [redacted] file until Monday, February 9th, and because I wasscheduled for Jury Duty on Tuesday Feb 10thI did not have the opportunity to study [redacted] file until Wednesday, February Upon reviewing [redacted] file it was evident that the automobile that she leased fromBall was properly repossessed by Ball because of [redacted] admitted non-payment of severallease paymentsAt that time the automobile was located in [redacted] , and Ball expendedapproximately $1,to have the automobile transported from [redacted] back to Ball'sNational City, California locationAt that time, it was determined that in addition to the unpaidlease payments and transportation costs, [redacted] was then indebted to Ball in the amount ofapproximately $7,for early lease termination/repossession related chargesAt that time,however, given [redacted] representations regarding her fragile economic circumstances, Ballelected not to pursue collection of any deficiency balance due on account of the early terminationof the lease and repossession of the automobileAccordingly, at this time [redacted] is notindebted to Ball for any sum whatsoeverNotwithstanding the foregoing circumstances, however, it was proper for Ball to reportthe repossession of the automobile as just that, a valid repossession, and that repossession factwill remain on [redacted] credit profileBall will, however, send a correction note to allcredit reporting agencies to whose services Ball subscribes, indicating that although the fact ofthe repossession should remain on [redacted] credit report, any indication of a monetarybalance due and owing by [redacted] to Ball should be deleted from [redacted] creditreportI reached [redacted] by telephone on Wednesday, February 11th, and informed her ofthe foregoing facts and circumstancesAt that time I requested that [redacted] give me writtenauthorization for Ball to run a current "credit check" on her, so that Ball could determine how thecredit reporting agencies to whJch Ball subscribes are currently reporting on the status of heraccount with BallWhen I receive [redacted] authorization letter, and the new credit reports are run byBall, I will then write to the credit reporting aaencies, on Ball's behalf, and request anappropriate corrective entry on any notations regarding [redacted] account with Ball, deletingany mention of a current debt due, but authorizing the continued reporting of a properrepossessionDuring my phone conversation with [redacted] , I also told her that I was authorized byBall to write a letter to her, which she could forward to her bank, reflecting that she is notpresently indebted to Ball for any sum whatsoeverAs soon as I receive the aforementionedwritten authorization for Ball to run a new "credit check" on [redacted] , and the resulting creditreports, I will forward a copy of my letter to the credit reporting agencies to both [redacted] tothe Revdex.comShould you have any questions or comments regarding this matter, please don't hesitateto contact me Yours very truly, [redacted] JPO:**Cc: [redacted]

The following people were involved that day.***and ***please make a note of it.thanks to this I am not able to proceed with my home loan as debt is higher than what I reported

Hi ***, This response is regarding ID # ***. I called Mr*** *** today and left him a message regarding his request for refund. I explained in my voice message that I reviewed his entire file and now where did we agree to the numbers he “felt” we agreed upon. We did show him a considerable discount on our vehicle and we had agreed to an $dollar trade in value for his vehicle. The contract shows the same discounted purchase price as the write up. I offered Mr*** a review of his purchase with the sales manager who sold him the vehicle here my showroom. Thank, *** ***Ball Auto Group619-474-x.***www.ballauto.com

***,Thank you so much for all your help.I also forgot to include this receipt.Basically they agreed to sell at $
plus tax = $ 31,320 minus my $8900.00to finance a total of $ 22,420.There is a difference of $ here which I am requesting Ball Acura adjust.Seems to me they played with the numbers to their favor.Thank you ***

December 22, 2014Revdex.com of San DiegoViewridge Ave #200San Diego, CA 92123Re: Complaint Id# ***Dear Mrs**,The complaint filed by *** *** against Ball Acura has been resolvedIspoke with Mr*** on Monday December 22nd at 2:30pmWe discussed thepurchase price and I explained to him the price was clear on the contract that he signed.I offered Mr*** a chance to trade his Acura in with me here at Ball Auto Group inan effort to help assist him with his home loanI look forward to helping Mr***with his next automobile purchase and thank him for his business. Sincerely,*** ***General Manager

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.I would like to have a copy of my file from the Ball Group, to my knowledge I never missed any car payments,. I was told the car went to auction, strange for a brand new car. I was never notifed  from the Ball Group of them reporting a re-po to the credit agency.  I thank the Ball Group for removing the dollar amount they claimed I owe, however, I would like them to consider removing the voluntary re-po from my credit report. I  was a customer  of the Ball Group for 15 years and purchased many vechicles, when I spoke to [redacted] about returning  the 2011 Honda, he never mentioned that the Ball Group would file any bad debit claims against me.
Regards,
[redacted]

Ms. [redacted]ATTORN E:Y AT LAW[redacted]TE:LE:PHON E: : [redacted]FAX: [redacted]February 13, 2015Revdex.com of San Diego4747 Viewridge Ave. #200San Diego, CA 92123-1688Ourre: Ball Auto GroupYourre: [redacted]Claim ID No: [redacted](Ball Automotive Group's follow-up response to [redacted] complaint)Dear [redacted]Please refer to my February 12'h letter to you, in which I explained the initial steps I hadtaken to resolve [redacted] complaint.Enclosed please find copies of the two letters I sent to [redacted] today. One explainsthe steps that Ball Leasing has taken to notify the credit reporting agencies that [redacted] is nolonger indebted to Ball. The other is a separate letter to [redacted] which, as the text indicates, Ihave told her she may deliver to any merchant or lender from which she is seeking credit,indicating that although the repossession of her vehicle was valid, she is not indebted to Ball forany money.I trust these follow-up communications will resolve [redacted] complaint. If,however, her complaint persists, please contact me and I will take further appropriate action tosatisfy [redacted].Thank you for your attention to this matter.Dear [redacted]:Accompanying this letter you will find a separate letter which you may show to yourbank or any other financial institution or merchant from which you are seeking credit.I'm also enclosing a copy of your [redacted] Credit Report, which you gave Ball writtenauthorization to run. Ball reported your transaction only to [redacted], not to any other creditreporting agencies. I've circulated the [redacted] Credit Report entry pertaining to yourtransaction with Ball.Within the next one or two working days Ball will be contacting [redacted], and requestingthat [redacted] delete any reference to a current balance due and owing by you to Ball. As Ipreviously explained to you, however, your surrender of the automobile to Ball was a ''voluntaryrepossession", and as such, it will remain reported as such on the [redacted] Credit Report.I hope the actions taken and reported to you in this and the accompanying letter of thisdate, as well as yesterday's letter to the San Diego Revdex.com satisfactorily resolveall of your concerns regarding the above-referenced letter. If not, please don't hesitate totelephone me.Thank you for your courtesy and cooperation in helpin us resolve this matter to yoursatisfaction.OurRe: Ball Honda/Ball Auto GroupYourRe: Correction of Credit Report/Credit Profile InformationDear [redacted]:I write to confirm the substance of our several recent telephone conversations duringwhich we discussed the above-referenced matter.You had telephoned the management of my client, Ball Honda/Ball Automotive Group("Ball"), and expressed concern that your Credit Report apparently reflected a voluntaryrepossession of an automobile and an open account on which you owed Ball $7,029.00.Ball referred your inquiry to me, and I have carefully reviewed Ball's transaction fileregarding the above-referenced matter.You defaulted on the terms of the Lease between you and Ball Leasing for a Hondaautomobile. When you were unable to continue to make payments on that Lease, you returnedthe automobile to Ball as a "voluntary repossession".After the repossession, Ball determined that you owed Ball a balance due on the Lease(for unpaid lease payments, repossession and shipping costs from Portland, Oregon, to NationalCity, California) of$7,029.00. At that time a former Ball employee who was handling youraccount, a [redacted], spoke with you, and because of your report of your then-fragile economiccircumstances, [redacted] decided that Ball would not pursue collection of a deficiency balance.As of this date, Ball is not claiming that you owe Ball any money on account of theabove-referenced automobile lease transaction, because of [redacted] previous decision. Ballhas no intention of pursuing collection. You do not owe Ball anything.[redacted]Re: Ball Honda/Ball Auto Group: Correction to Credit ReportFebruary 13, 2015Page2You may forward a copy of this letter to any merchant or financial institution whenapplying for credit in connection with any subsequent transactions, and anyone wishing to verifythe authenticity of this letter may telephone me at my above-written telephone number.Should you have any further questions or comments regarding this matter, please don'thesitate to contact me.JPO:**Cc:[redacted]

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.
Regards,
[redacted]
I am not satisfied as the underlying issue is a difference of an amt I was told and the actual amount on the invoice I was to pay was over by approx $3000 usd. I have since then taken my business elsewhere and the vehicle has been traded as I do not trust Ball Acura with any business matters . Once again review my original complaint, I am seeking a refund .

Revdex.com
4747 Viewridge Ave #200
San Diego, CA 92123-1688
Re: Response to ID [redacted]
Dear Revdex.com,
Thank you for notifying our dealership of Mrs. [redacted]'s recent complaint. In response to your letter, I
immediately contacted Mrs. [redacted] to review her...

experience at our dealership. We spoke for several
minutes over the phone around 2:15pm on Oct 24th 2014. I decided to take my technician, who
originally diagnosed her 2009 Kia Sportage on Oct. 3rd 2014, to her home and re-inspect her vehicle. We
arrived at Mrs. [redacted]s home around 2:45pm Oct 24th 2014 and inspected her vehicle. We couldn't find
any fire damage under the hood, we inspected the oil stick and it showed a % quart overfull. My
technician attempted to start the Kia but was unsuccessful. His opinion was that the starter needs to be
replaced. We explained to Mrs. [redacted] that her vehicle has several issues wrong, also explained to her
on Oct 3rd 2014 as recommended services, and for us to fully reinspect the vehicle we would need to lift
it up in the air at our shop. I offered to tow Mrs. [redacted]s Sportage to our shop at our expense, but
explained that the repairs would have a cost and need to be paid. She said she could not afford the
repairs at this time and declined my offer. My technician recommended a new starter and possibly a
new radiator due to its current leaking condition. I recommended she get the repairs done soon either
at our dealership or some other repair shop. We want Mrs. [redacted] to know we'll give her discounts off
of the parts and repair cost to get her vehicle running again.
Sincerely,
[redacted]
General Manager
Ball Kia
1935 National City Blvd
National City, CA 91950
619-474-6431

February 12, 2015Via Fax [redacted]And First Class Mail[redacted]Revdex.com of San Diego4747 Viewridge Ave. #200San Diego, CA 92123-1688 Our re: Ball Auto Group Your re: [redacted] Claim ID No: [redacted] (Ball Automotive Group's initial response to [redacted]...

[redacted] complaint)Dear [redacted]: I am the attorney for Ball Automotive Group ('"Ball"). the Revdex.com Member business againstwhich [redacted] filed her initial complaint on February 3, 2015. Before receiving [redacted] complaint (which was forwarded to me by Ball'smanagement on February 11th) Ball's employee, the "[redacted]" mentioned in [redacted]complaint letter had telephoned me and asked me for advice on how to address [redacted]concerns (which, to my knowledge, had not yet them devolved into a Revdex.com complaint). I requested that [redacted] send me Ms. [redacted] transactional deal file so that I couldacquaint myself with the facts and properly advise Ball. I did not receive [redacted] file until Monday, February 9th, and because I wasscheduled for Jury Duty on Tuesday Feb 10th. I did not have the opportunity to study [redacted] file until Wednesday, February 11. Upon reviewing [redacted] file it was evident that the automobile that she leased fromBall was properly repossessed by Ball because of [redacted] admitted non-payment of severallease payments. At that time the automobile was located in [redacted], and Ball expendedapproximately $1,000.00 to have the automobile transported from [redacted] back to Ball'sNational City, California location. At that time, it was determined that in addition to the unpaidlease payments and transportation costs, [redacted] was then indebted to Ball in the amount ofapproximately $7,000.00 for early lease termination/repossession related charges. At that time,however, given [redacted] representations regarding her fragile economic circumstances, Ballelected not to pursue collection of any deficiency balance due on account of the early terminationof the lease and repossession of the automobile. Accordingly, at this time [redacted] is notindebted to Ball for any sum whatsoever. Notwithstanding the foregoing circumstances, however, it was proper for Ball to reportthe repossession of the automobile as just that, a valid repossession, and that repossession factwill remain on [redacted] credit profile. Ball will, however, send a correction note to allcredit reporting agencies to whose services Ball subscribes, indicating that although the fact ofthe repossession should remain on [redacted] credit report, any indication of a monetarybalance due and owing by [redacted] to Ball should be deleted from [redacted] creditreport. I reached [redacted] by telephone on Wednesday, February 11th, and informed her ofthe foregoing facts and circumstances. At that time I requested that [redacted] give me writtenauthorization for Ball to run a current "credit check" on her, so that Ball could determine how thecredit reporting agencies to whJch Ball subscribes are currently reporting on the status of heraccount with Ball. When I receive [redacted] authorization letter, and the new credit reports are run byBall, I will then write to the credit reporting aaencies, on Ball's behalf, and request anappropriate corrective entry on any notations regarding [redacted] account with Ball, deletingany mention of a current debt due, but authorizing the continued reporting of a properrepossession. During my phone conversation with [redacted], I also told her that I was authorized byBall to write a letter to her, which she could forward to her bank, reflecting that she is notpresently indebted to Ball for any sum whatsoever. As soon as I receive the aforementionedwritten authorization for Ball to run a new "credit check" on [redacted], and the resulting creditreports, I will forward a copy of my letter to the credit reporting agencies to both [redacted] tothe Revdex.com. Should you have any questions or comments regarding this matter, please don't hesitateto contact me.  Yours very truly, [redacted]JPO:**Cc: [redacted]

Hi [redacted], This response is in regards to ID#[redacted] I contacted [redacted] by phone and assured her I would personally take care of her concerns.   I have refunded the amount she paid for sealant back to her financial institution and explained to her that the applied...

amount should reflect on her next statement.   I told her I appreciate her loyalty to our family dealership and appreciate the vehicles she has purchased from us.  If she has any other concerns she can contact me directly.  Thanks, [redacted]Ball Kia & Mitsubishi1940 National City BlvdNational City, CA 91950Phone: [redacted]Fax: [redacted]www.ballauto.com