Barton Creek Auto Credit

Revdex.com La Posada Drive Austin, Texas 78752RE: Case ID: [redacted] Returned VIA Email to [redacted] < [redacted] g>To Whom it May Concern:Our company received aforementioned complaint from Mr [redacted] Mr [redacted] requests that we update his billing history to reflect every payment he has made, I have attached his payment history for his review, if there are any additional payments he has made that are not reflected, I would be happy to amend our recordsPlease note, the payments I highlighted are not reflected against the loan because they were returned from Mr [redacted] 's bank.As to his request of removing threats to repossess, it is our standard operating procedure that the first time a customer is late we send a 'notice to cure' addressing the late payment and informing them if payments are not received we reserve the right to repossess the vehicleThe State of Texas does not require a notice to cure, however, we provide customers a notice to cure because we understand things happen and payments can be missed so we like to give our customers a reminder that they have missed a payment and the opportunity to cure their account.As to Mr [redacted] 's complaint that we refused to provide him with a payment book at the time he purchased his car and that we rarely mail the payment slip to him, it is not that we refuse to do this, it is not a product we offerWe do not provide any of our customers payment books or payment slipsIf Mr [redacted] would like to mail in a check monthly, we are a small enough lending institution that we can take the time to look up his account and ensure his check gets posted to his account, he can also write down his VIN number on the checkAlternatively, Mr [redacted] can pay online at www.bartoncreekautocreclittom As to the claim that our processing fees are illegal, the fees are charged by the third party who collects our credit card payments, not usIf Mr [redacted] would like to avoid these fees he can do so by setting up automatic payments or by paying by mail to aforementioned address.As far as Mr [redacted] 's disputed Amount of $we do not have any information to show that we owe Mr [redacted] $In fact, our system shows that Mr [redacted] currently owes us a past due balance of $If there is an error on our part, we will be happy to remedy that issue with proper documentation from Mr [redacted] We regret that Mr [redacted] has had a bad experience with us, and hope we can remedy any issues he feels he has with usOur collections manager, [redacted] is happy to help Mr [redacted] and he can be reached at [redacted] x or [redacted] In order to help you with the case, we have attached the following documents:Screen shot of our collections screenPayment history (note the payment history is in two formats due to a change in computer systems in late 2016)Original retail installment contract Best Regards, [redacted] ***

03/06/2017Revdex.com La Posada Drive Austin, Texas 78752RE: Case ID: ***Returned VIA Email to *** *** To Whom it May Concern:Our company received aforementioned complaint from Ms*** ***Ms*** asserts that she has
"requested for months her account information"I have attached her payment history for her review, in addition to the notes generated by our system showing when we attempted to email Ms***Please note, Ms***'s car was not repossessed due to her claim of her not cooperating, it was repossessed to due to being days past due.Attached you will find:Original retail installment contractPayment history as requested (note the payment history is in two formats due to a change in computer systems in late 2016)Notes from our collections department showing conversations with Ms***As far as her Disputed Amount of $11,as you can see the amount of the remaining balance what she is contractually obligated to pay is $10,Once we sell the car at auction, we will reduce the amount she owes by the amount we are able to sell the repo for plus fees incuredIf I can further assist you, please reach out to me at my contact information listed below. Best Regards,*** *** Compliance Officer Barton Creek Auto Credit ***

Complaint: [redacted]
I am rejecting this response because:#1. I am in no way surprised with how this company has unprofessionally handled their inability to properly keep record of my payments. The payment history they have attached IS NOT the payment history that was provided to me prior to my last payment and my initial complaint through the Revdex.com. The attached history they have provided has been updated to reflect the correct payment history I have provided them with on numerous occasions. HOWEVER, I DO NOT owe the company a past due balance! The car was purchased in February of 2016 with payments due monthly starting in March 2016. That would equate to 13 payments that should have been made on the vehicle through March 2017. If you refer to the payment history they have provided, 13 payments have been made! There is a payment due today, April 6, 2017. However, as Ms. [redacted] has INCORRECTLY STATED it IS NOT past due... Surely they are capable of accurately differentiating between when a payment is considered current or past due.#2. Through the numerous incompetent employees I have dealt with at Barton Creek Auto finance, I have NEVER been offered the opportunity to make my payment online.#3. It is a fact, not a "claim", that charging a credit card processing fee is illegal. Per The Texas Finance Code charging a fee to customers paying via credit card is illegal! You are passing the fee charged by the 3rd party on to your customers and THAT IS ILLEGAL. [redacted]
Regards,
[redacted]

Please see attached response and documents.

Revdex.com 1005 La Posada Drive Austin, Texas 78752RE: Case ID: [redacted]Returned VIA Email to [redacted] <[redacted]g>To Whom it May Concern:Our company received aforementioned complaint from Mr. [redacted]. Mr. [redacted] requests that we update...

his billing history to reflect every payment he has made, I have attached his payment history for his review, if there are any additional payments he has made that are not reflected, I would be happy to amend our records. Please note, the payments I highlighted are not reflected against the loan because they were returned from Mr. [redacted]'s bank.As to his request of removing threats to repossess, it is our standard operating procedure that the first time a customer is late we send a 'notice to cure' addressing the late payment and informing them if payments are not received we reserve the right to repossess the vehicle. The State of Texas does not require a notice to cure, however, we provide customers a notice to cure because we understand things happen and payments can be missed so we like to give our customers a reminder that they have missed a payment and the opportunity to cure their account.As to Mr. [redacted]'s complaint that we refused to provide him with a payment book at the time he purchased his car and that we rarely mail the payment slip to him, it is not that we refuse to do this, it is not a product we offer. We do not provide any of our customers payment books or payment slips. If Mr. [redacted] would like to mail in a check monthly, we are a small enough lending institution that we can take the time to look up his account and ensure his check gets posted to his account, he can also write down his VIN number on the check. Alternatively, Mr. [redacted] can pay online at www.bartoncreekautocreclittom As to the claim that our processing fees are illegal, the fees are charged by the third party who collects our credit card payments, not us. If Mr. [redacted] would like to avoid these fees he can do so by setting up automatic payments or by paying by mail to aforementioned address.As far as Mr. [redacted]'s disputed Amount of $200 we do not have any information to show that we owe Mr. [redacted] $200. In fact, our system shows that Mr. [redacted] currently owes us a past due balance of $341.07 If there is an error on our part, we will be happy to remedy that issue with proper documentation from Mr. [redacted]. We regret that Mr. [redacted] has had a bad experience with us, and hope we can remedy any issues he feels he has with us. Our collections manager, [redacted] is happy to help Mr. [redacted] and he can be reached at [redacted] x 304 or [redacted] 
 In order to help you with the case, we have attached the following documents:1. Screen shot of our collections screen2. Payment history (note the payment history is in two formats due to a change in computer systems in late 2016)3. Original retail installment contract Best Regards, [redacted]