Bay Aluminum, Inc

Initial Business Response /* (1000, 15, 2017/02/24) */
We apologize for the delay in respondingThe issue was caused by our previous payment processor 1st AssociatesThe customer did call in on January 11,and his payments were reversed and re-applied as requested

Initial Business Response /* (1000, 15, 2017/02/24) */
We apologize of the delay in this response and any inconvenience to the customerIn December of we under went a conversion from one payment processor to anotherLetters to the customers were sent out on December and again on December
9, notifying them of the conversionThe unfortunate issue regarding the unanswered call was due to the a winter storm in Portland, Oregon that shut down the servicing office on the day in questionTo our knowledge, the matter was resolved within hours

Initial Business Response /* (1000, 16, 2018/02/09) */
We received this customers payoff on 11/29/the procedure for titles is business days for the payment to clear and be verifiedOnce the payment has been validated the state is advised of an electronic release and the state's time frame
is to business days to mail the titleThe customer was advised of the delay with the state that we an unable to control

Initial Business Response /* (1000, 18, 2017/08/08) */
Unfortunately there were a large number of payments missed and we had no further action other than charge offWe have been in touch with the customer to try to resolve the issue but due to the increased time that the payments were missed the
account will continue in a charged off statusThe check that was applied was applied correctly as insurance payments are payment to the principal not a regular loan payment

Initial Business Response /* (1000, 15, 2017/02/24) */
At the time the order for repossession was initiated, the customer was days delinquent with numerous broken promises to pay
Initial Consumer Rebuttal /* (3000, 17, 2017/02/27) */
(The consumer indicated he/she DID NOT accept the
response from the business.)
Once again, they lie and perpetuate their fraudulent practicesThey do not follow a day cycleIf you pay on day and are assessed a late fee for even $they do not reset your agingThey continue to add daysOnce you have reached they send an order to repossessThey have never sent the history or aging in writingThey are telling a lie when they say "numerous broken promises to pay"That has NEVER been the caseI have paid each time I was requested toThey need to be investigated for fraudEven the company who they contacted to repossess our account told me that they are "shady" and don't do things "above board"Direct quotes from the company they hiredI want credit for late fees and western union fees and a complete history of my account in writingI am also filing a complaint with other government agencies against them

Initial Business Response /* (1000, 16, 2017/02/24) */
Our previous servicer [redacted] did not properly set up the automatic payment as the customer had requested. After hearing from the customer directly, we contacted [redacted], had them properly set up the auto pay, pull the correct...

payments apply them correctly and had the credit bureaus corrected. We waived all fees.
Initial Consumer Rebuttal /* (2000, 18, 2017/02/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 15, 2017/02/24) */
We apologize for the delay in responding. We did a system conversion in December 2016 from [redacted] as our payment processor to a new company. Letters were sent out notifying the customers of the change in their future billing and payment...

options. We provide various avenues for customers to make payments including check or automated ACH which incur no fees. In response to the customer's concerns and as a curtesy, we waived the fee. As part of the conversion process we are still working to have all the previous information available on line.

Initial Business Response /* (1000, 5, 2018/01/22) */
This was addressed with the customer this morning. The customer had a reoccurring payment setup and the card that the payment was setup on expired in January. We tried contacting the customer and never received response. The customer called...

this morning and was advised is payment was not drafted due to the card on file was expired.

Initial Business Response /* (1000, 5, 2016/05/23) */
It is my understanding that we figured out with the customer a way to get his bike registered and that he was satisfied with our solution.

Initial Business Response /* (1000, 16, 2017/02/24) */
Our previous servicer, [redacted], booked the wrong amount onto the customer's account and they were unresponsive to the customer's requests. We called the customer directly, unwound his deal, cleared the credit bureau trade line,...

rebooked the deal at the correct amount, reposted all the payments and sent the customer a gift card for his inconvenience. To our knowledge the customer was satisfied with the resolution.

Initial Consumer Rebuttal /* (2000, 18, 2017/02/24) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thunderroad fixed the loan. I was told I was going to receive a gift card for the inconvenience, however I never received one. Maybe it got lost in the mail.

Initial Business Response /* (1000, 16, 2017/02/24) */
Mr. [redacted] was active military status at the time he entered into the obligation which would render him ineligible for SCRA. He had made his request on October 27, 2016 to our previous payment processor [redacted] that was not properly...

responded to. After our conversion to a new processor in December The issue was discovered and we honored the request for SCRA status and lowered his rate to 6% effective back to October 27, 2016.

Initial Business Response /* (4000, 15, 2017/08/08) */
We worked with this customer to resolve the issue of a dealership closing. We additionally refunded the customers funds for GAP and the customer is now riding their unit.

Initial Business Response /* (1000, 15, 2017/08/08) */
We have reached the customer and resolved the payment issues. We had changed our system and had been trying to reach the customer for some time and was finally able to reach the customer and waive some fees to get the customer back on...

track.

Initial Business Response /* (1000, 16, 2017/08/08) */
We released the lien after the payment had posted and that time period is 10 to 15 business days. From that time we send the release to the state for sign off and then the title is mailed to the customer. Unfortunately we can push the time on...

our side but the state has their own time frame.

Initial Business Response /* (1000, 16, 2017/02/24) */
Our previous payment processor [redacted] sent a payoff to the customer that we agree was juvenile. Subsequently to being made aware of this we reached out to the customer and provided a proper payoff. We also waived the accrual. With...

our new servicer in place we are confident that things like this will not happen in the future and we apologize for the inconvenience to the customer.

Initial Business Response /* (1000, 16, 2017/02/24) */
As the customer has stated, he was on many occasions, in default of his contract by failing to make his payments on time. When his account was in default and it went over 64 days past due in the approximate amount of $764.00 it was ...

repossessed. We unfortunately can not provide the resolution the customer requests.
Initial Consumer Rebuttal /* (3000, 18, 2017/02/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was not 700 + dollars behind when reposses. I have ther payment summary and my banks to prove this. Tney stated wss 36 numerous times. This is false.
Final Business Response /* (4000, 20, 2017/03/07) */
Were sorry the consumer feels this way, but the fact of the matter is he went past due 64 days in the total amount of 765.18.