Buckhead Mortgage, LLC

See attached for requested documentationThank you [redacted]

On or about , 01/30/17, Mrs[redacted] purchased a vehicle from Express Credit AutoDuring the purchase Mrs [redacted] signed a retail installment sales contract (RISC) which was immediately assigned to Auto AdvantageFinance for loan servicing (see attached copy of RISC)Any further details of the loan servicing by Auto Advantage Finance cannot disclose nonpublic personal information (NPPI) to a non affiliated third partyFurthermore, Auto Advantage Finance is not an accredited Revdex.com partner and does not have Revdex.com access to receive or resolve complaints submitted.Auto Advantage Finance strives for 100% customer satisfaction and will further investigate this complaintDue to the aforementioned Express Credit Auto respectfully requests this matter be closed with no further actionIf you have further questions please feel free to contact our offices.Again, thank you for your time, attention, and efforts.Respectfully,Customer Care Department

Initial Business Response / [redacted] (1000, 8, 2015/12/07) */ Express Credit Auto is working to resolve Ms***'s complaint

On or about _11/18/16_Ms***_purchased a vehicle from Express Credit AutoDuring the purchase Ms***_signed a retail installment sales contract (RISC) which was immediately assigned to Auto Advantage Finance for loan servicing (see attached copy of RISC)Any further details of the loan
servicing by Auto Advantage Finance cannot disclose nonpublic personal information (NPPI) to a non affiliated third partyFurthermore, Auto Advantage Finance is not an accredited Revdex.com partner and does not have Revdex.com access to receive or resolve complaints submitted.Auto Advantage Finance strives for 100% customer satisfaction and will further investigate this complaintDue to the aforementioned Express Credit Auto respectfully Request this matter be closed with no further actionIf you have further questions please feel free to contact our offices.Again, thank you for your time, attention, and efforts.Respectfully,Customer Care Department

On or about _11/17/16_Mr./Mrs***_purchased a vehicle from Express Credit Auto. During the purchase Mr./ Mrs***_signed a retail installment sales contract (RISC) which was immediately assigned to Auto Advantage Finance for loan servicing (see attached copy of RISC)Any further
details of the loan servicing by Auto Advantage Finance cannot disclose nonpublic personal information (NPPI) to a non affiliated third partyFurthermore, Auto Advantage Finance is not an accredited Revdex.com partner and does not have Revdex.com access to receive or resolve complaints submitted. Auto Advantage Finance strives for 100% customer satisfaction and will further investigate this complaintDue to the aforementioned Express Credit Auto respectfully Request this matter be closed with no further actionIf you have further questions please feel free to contact our offices. Again, thank you for your time, attention, and efforts. Respectfully, Customer Care Department

We are in receipt of your correspondence notifying us of the complaint filed by *** ***. Please note that we believe that the proper party to the complaint should be Auto Advantage Finance. For your information, the vehicle was sold and financed by Express Credit Auto
on or about 04/14/2017 . Thereafter, the contract was immediately sold to Auto Advantage Finance. Therefore, complaints regarding the condition of the vehicle prior to sale or its sale should be addressed to Express Credit Auto and complaints regarding the servicing or collection of the account or warranty repairs should be addressed to Auto Advantage Finance. Further, please understand that for either company to adequately respond to the complaint, it would be necessary to disclose customer and account information which it is not allowed to do by law unless the customer has waived his right to confidentiality, which has not occurred. Therefore, we are unable provide you with specific information regarding the facts and circumstances of this matter. We will contact our customer directly in an attempt to amicably resolve this matterWe wish to reiterate the desire of both Express Credit Auto and Auto Advantage Finance to maintain the respect & trust our community has given us over many years of doing business. Our company viewsthis matter with the utmost importance. Sincerely,Customer Care Department

Re: Consumer: ***, ***
Company: Express Credit Auto, LLC
Case #: ***
Dear Revdex.com of Central Oklahoma:
Express Credit Auto, LLC ("ECA") is filing this response in connection with the above-referenced complaintAfter conducting an investigation of *** ***'s
("Ms***") complaint, ECA would respectfully respond as follows
On February 7, 2014, Ms*** purchased a NISSAN SENTRA, VIN: 3N1AB61E69L("Vehicle"), from ECAIncluded with the purchase of the Vehicle was a "Limited Warranty." This Limited Warranty was valid from the date of sale for months or 36,miles whichever occurred firstAs noted in the Limited Warranty, the mileage at the time of was 75,A copy of the Limited Warranty is enclosed
On or about August 20, 2015, Ms*** brought the Vehicle to ECA's Warranty Department with complaints that the A/C was not blowing coldAt the time the Vehicle was brought in the mileage was noted to be approximately 119,Despite the Vehicle being out of warranty by over 8,miles, ECA elected to include the costs of the repairs under the Limited Warranty, replaced multiple components (including the A/C compressor, condenser drier, orifice tube) and recharged the A/C systemIn an effort to assist Ms***, ECA only charged a fee of $(under the Limited Warranty, each covered component is subject to a separate deductible of $100.00)Had ECA declined to cover those repairs, Ms***'s costs would have been in excess of $
On or about November 25, 2015, Ms*** brought the Vehicle back to ECA's Warranty Department, this time with complaints that the blower motor had stopped workingAt the time the Vehicle was brought in the mileage was noted to be approximately 127,Since the Vehicle was out of warranty by over 15,miles and the blower motor was not a covered component ECA declined to include the costs of those repairs under the Limited WarrantyHowever, in an effort to assist Ms***, ECA agreed to waive the costs of its labor (approximately hours at $per hour, or $337.50) if Ms*** would pay for cost of the part (approximately $350.00)Ms*** declined this offer and the Vehicle was returned to her without any repairs having been performed
Now, Ms*** demands that ECA further fix components (which it is not obligated to) or else pay her car payments of $(which have nothing to do with any warranty repairs)Despite Ms***'s assertions, the Limited Warranty expired on its own terms when the Vehicle surpassed 36,miles from the date of saleConsequently, ECA will not agree to provide Ms*** with her desired resolution
Respectfully,
*** ***

On or about _04/05/14_Ms*** (***)_purchased a vehicle from Express Credit AutoDuring the purchase Ms***_signed a retail installment sales contract (RISC) which was immediately assigned to Auto Advantage Finance for loan servicing (see attached copy of RISC)Any further details
of the loan servicing by Auto Advantage Finance cannot disclose nonpublic personal information (NPPI) to a non affiliated third partyFurthermore, Auto Advantage Finance is not an accredited Revdex.com partner and does not have Revdex.com access to receive or resolve complaints submitted.Auto Advantage Finance strives for 100% customer satisfaction and will further investigate this complaintDue to the aforementioned Express Credit Auto respectfully request this matter be closed with no further actionIf you have further questions please feel free to contact our offices.Again, thank you for your time, attention, and efforts.Respectfully,Customer Care Department

I would like something in writing that says the account is closed and paid in full.
Sincerely,
*** ***

On November 30th an email was sent requesting additional information in order to validate your account and it was unansweredIn compliance with state and federal privacy laws we must be able to properly validate the identity of such requestIt is our goal to satisfy your complaint, however,
it is imperative we gather all the information required in order to do soPlease email me the name on the account, account number, and/or last of the account holder SSN. Once I receive this information I can validate the account and begin the investigationIf an error has occurred AAF will submit the change to the reporting agencies immediatelyIf email is NOT a convenient form of communication I can be reached by telephone @ ###-###-#### MON-FRI 9;AM - 5:PM. Thank you for your time and attention. Respectfully, *** Thompson Customer Care Department

Dear Revdex.com of Central Oklahoma, We have received and reviewed the complaint submitted by Johnnie Cobb (Revdex.com Case# ***)Express Credit Auto has contacted MrCobb and resolved his complaintExpress Credit Auto respectfully request case# *** be closed.
Respectfully, *** *** ***

Initial Business Response /* (1000, 8, 2015/10/22) */
Mr. [redacted] purchased on 7/25/2014. Since his purchase his vehicle was taken to our warranty facility four times for different reasons (see attached) . All four times items, although not covered under the warranty contract, was replaced at no...

charge to Mr. [redacted]. On 9/11/2014 and 9/16/2014 Mr. [redacted] was issued a loaner vehicle for his inconvenience at no charge, despite Mr. [redacted] stating otherwise. Attached are copies of work performed each time Mr. [redacted] came to the ECA warranty department, again at no charge. Each time a resolution was found, and some cases, was never an issue- simply operator error. Mr. [redacted] claims of repossession is not a matter of the sale or service of his automobile. At this time ECA will consider this case resolved and closed.

Respectfully,
[redacted]
Director of Finance
Initial Consumer Rebuttal /* (3000, 10, 2015/10/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It was not operator error. I had several people look at the car, including a mechanic of 30+ years. If you cannot turn on the car with the key without having to jump start the car. Something is wrong. I have all the paper work showing they "fixed" my car. Also in the contract it says everything is covered under the warranty except things that get normal ware and tare. Tires, windshield wipers, etc. I honestly think I deserve the money back that I put into the car. I will bring the paper work showing what they did and most of them show that it is for the same exact issue, not several different ones like they claim. This issue is not resolved.
Final Business Response /* (4000, 12, 2015/10/27) */
Based on our investigation ECA fulfilled its obligations and then some; ECA will not be making any sort of arrangements with Mr. [redacted]. I feel no further response by ECA should be required and the case to be closed. In our last response documents were provided proving our good faith attempt to satisfy his issues when it was presented to our warranty facility.

I have attached copies of all work performed on Mr. [redacted] vehicle ( also attached in previous response) along with a copy of the "Limited Warranty" contract signed by Mr. [redacted]. Please refer to "covered components". Mr. [redacted] initialed the contract four (4) times and signed once (1) indicating the understanding of the contract. Further, I have indicated by highlights work requested by the customer, diagnostic, diagnoses, work performed, and notes. All worked performed at ECA Warranty department was at NO CHARGE despite being un-covered under the "limited warranty" contract.

Express Credit Auto strives for 100% customer satisfaction. ECA has provided sufficient supporting documentation which clearly shows ECA went above and beyond the requirements in order to preserve customer satisfaction. ECA will not be able to accept Mr. [redacted] offer to settle his complaint.

Thank you for your time, attention, and efforts.

Respectfully,

[redacted]

On or about , 01/30/17, Mrs.[redacted] purchased a vehicle from Express Credit Auto. During the purchase Mrs. [redacted] signed a retail installment sales contract (RISC) which was immediately assigned to Auto AdvantageFinance for loan servicing (see attached copy of RISC). Any further details of the loan...

servicing by Auto Advantage Finance cannot disclose nonpublic personal information (NPPI) to a non affiliated third party. Furthermore, Auto Advantage Finance is not an accredited Revdex.com partner and does not have Revdex.com access to receive or resolve complaints submitted.Auto Advantage Finance strives for 100% customer satisfaction and will further investigate this complaint. Due to the aforementioned Express Credit Auto respectfully requests this matter be closed with no further action. If you have further questions please feel free to contact our offices.Again, thank you for your time, attention, and efforts.Respectfully,Customer Care Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

See attached for requested documentation. Thank you [redacted]

On or about _11/24/15_Ms [redacted]_purchased a vehicle from Express Credit Auto. During the purchase Ms. [redacted] signed a retail installment sales contract (RISC) which was immediately assigned to Auto Advantage Finance for loan servicing (see attached copy of RISC). Any further details of the loan...

servicing by Auto Advantage Finance cannot disclose nonpublic personal information (NPPI) to a non affiliated third party. Furthermore, Auto Advantage Finance is not an accredited Revdex.com partner and does not have Revdex.com access to receive or resolve complaints submitted.Auto Advantage Finance strives for 100% customer satisfaction and will further investigate this complaint. Due to the aforementioned Express Credit Auto respectfully Request this matter be closed with no further action. If you have further questions please feel free to contact our offices.Again, thank you for your time, attention, and efforts.Respectfully,Customer Care Department

Initial Business Response /* (1000, 8, 2015/12/07) */
Express Credit Auto is working to resolve Ms. [redacted]'s complaint.

We are in receipt of your correspondence notifying us of the complaint filed by [redacted].  Please note that we believe that the proper party to the complaint should be Auto Advantage Finance LLC.  For your information, the vehicle was sold and financed by Express Credit Auto on...

or about 08/31/2017.  Thereafter, the contract was immediately sold to Auto Advantage Finance.  Therefore, complaints regarding the condition of the vehicle or its sale should be addressed to Express Credit Auto and complaints regarding the servicing or collection of the account should be addressed to Auto Advantage Finance. Further, please understand that for either company to adequately respond to the complaint, it would be necessary to disclose customer and account information which it is not allowed to do by law unless our customer has waived her right to confidentiality, which has not occurred.  Therefore, we are unable to provide you with specific information regarding the facts and circumstances of this matter.  We will contact our customer directly in an attempt to amicably resolve this matter.   Sincerely, Customer Care Department

Dear Mr. [redacted] & Revdex.com of Central Oklahoma,  On June 30th, 2016 and AUD request of trade line deletion was submitted to the CRA. We have found and corrected an error on 1 of 3 CRA code AUD submissions; an additional AUD deletion request has been made. A confirmation of the deletion...

will be made upon AAF's receipt. Immediate action has been taken and further follow-up measures in order.  Respectfully,  Auto Advantage Finance

Initial Business Response /* (1000, 5, 2015/08/18) */
Attached is a copy of the Express Credit Auto Limited Warranty Contract signed and dated by Mr. [redacted]. The contract signed and dated by Mr. [redacted] states, " All provisions of coverage are included herein and are detailed for the...

protection of the contract guarantor, "Express Credit Auto", (an Oklahoma company) hereafter referred to as "seller" and the "buyers(s) of the aforementioned vehicle (named above). ALL REPAIRS MUST BE PERFORMED BY THE "SELLER" OR AN APPROVED AGENT OF TE "SELLER" (IN WRITING). IT IS THE "BUYER'S" RESPONSIBILITY TO GET THE VEHICLE TO AN APPROVED REPAIR FACILITY.
After review of all annotations regarding Mr. [redacted]'s complaint Express Credit Auto has attempted to resolve Mr. [redacted]'s mechanical issues in compliance to the terms and conditions of the Express Credit Auto Limited Warranty Contract.
Thank you for your time and attention.
Respectfully,
[redacted]
Initial Consumer Rebuttal /* (3000, 7, 2015/08/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I don't accept this because I was told it was an authorized dealer within 20 miles of me.
Final Business Response /* (4000, 11, 2015/09/08) */
While Express Credit Auto strives to achieve 100% customer satisfaction, in response to the above-referenced complaint, we believe that we have complied to the terms and conditions of the Express Credit Auto Limited Warranty Contract. ECA would respectfully request that this matter be concluded without further inquiry.
Respectfully,
[redacted]