California Auto Finance

We at California Auto Finance strive to provide excellent service to all our customersWe regret that our customer feels we fell short in this case and apologize for any inconvenience Our employees do NOT have employee ID’s They are identified by name and extension number I have NOT received any messages from this customer as I would have returned the call immediately We have addressed this complaint with every employee who has talked to this customer's, stressing the importance of ensuring good customer service Furthermore, when this customer calls, he can immediately request to speak with me, [redacted] , I am the collections manager My direct line is [redacted] , and the customer does not have to discuss this account with a Customer Service Representative I will be more than happy to assist and answer any questions they may have Thank you! [redacted] Controller [redacted]

We at California Auto Finance strive to provide excellent service to all our customersWe take every complaint seriously and will investigate every allegation you have made We apologize for any inconvenience or discomfort our calls might have caused youWe have on-going training for all our customer service representatives to ensure they treat our customers with the respect they deserve We have looked into your claims and while we cannot prove or disprove your claim, we assure you your experience with us will be different the next time we communicate

After careful review of this account, we determined that we followed proper company procedure Two of the checks that you paid to us were returned by your bank marked non-sufficient funds or not authorized by customer It is our company policy to not accept personal checks either by mail or on-line when we have received returned checks Unfortunately, we do not accept checks over the phone However, we do accept other forms of payment Western Union or money order by mail We apologize for any inconvenience or discomfort our calls might have caused youOur company strives to provide excellent service to all of our customersWe have on-going training for all our customer service representatives to ensure they treat our customers with the respect they deserve We assure you your experience with us will be different the next time we communicate After careful review of this account, we determined that we followed proper company procedure Two of the checks that you paid to us were returned by your bank marked non-sufficient funds or not authorized by customer It is our company policy to not accept personal checks either by mail or on-line when we have received returned checks Unfortunately, we do not accept checks over the phone However, we do accept other forms of payment Western Union or money order by mail We apologize for any inconvenience or discomfort our calls might have caused youOur company strives to provide excellent service to all of our customersWe have on-going training for all our customer service representatives to ensure they treat our customers with the respect they deserve We assure you your experience with us will be different the next time we communicate

We at California Auto Finance strive to provide excellent service to all our customersWe regret that you feel we fell short in this caseHowever, after careful review of your account, and your complaint, we have determined that these allegations are either inaccurate or without merit We place courtesy calls to all of our customers to remind them of their past due payment We do this taking into consideration we want to help our customers NOT fall behind and help them establish or re-establish their credit When we repossessed your vehicle you were days past dueAfter numerous attempts to contact you to avoid repossession you left us no other choice than to recover our collateral You were NOT “days late: as you state in your complaint The amount you paid to reinstate your loan was $which paid for the months you were past due for and the repossession fee of $ I don’t understand what other “outrages” fees you are referring too In regards to the selling of your contract, that was entirely up to the selling dealership They should have notified all of their customers of the change However, we have no control over what contract the dealer wishes to sell and its merely a business decision on our part We apologize for any inconvenience or discomfort our calls might have caused youWe have on-going training for all our customer service representatives to ensure they treat our customers with the respect they deserve Please contact me directly at [redacted] in order to discuss the due date change with you and accommodate your needs to avoid or minimize the calls Tell us why here

Dear Mrs. [redacted] , Roman" size="3"> We apologize for any inconvenience or discomfort our calls might have caused you. Our company strives to provide excellent service to all of our customers. We talked to you on June 17, 2015 at which time you indicated you did not have any money to pay and were not able to secure any arrangement on your past due account. We attempted to contact you after our last conversation to follow up or if your situation had changed and you did not answer or return any of our calls. We then called all the numbers available to us including references hoping you will call us back. As of today, July 6, 2015 your account is 35 days past due and we still have not been able to talk to you since our last conversation on June 17, 2015. Again, we apologize for any inconvenience. We have removed all phone numbers as per your request.

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolvedI would like to have a refund for the over payments that I have paid to you guys as well Regards, [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] ***

Ms*** ***,
We apologize for any inconvenience we may have caused. We have checked our website and the information on there is accurate. Our customer service toll free number is *** ***. Our hours of operation are accurate as well, Monday through Friday 8am to 6pm. However, occasionally we will allow our staff to leave early on Fridays as a form of appreciation. We attempted to contact you on Thursday, July 21, regarding your impounded vehicle and we left a message on your voicemail for you to call us back. Unfortunately, we are closed on weekends. You called us on Monday, July 25, at 4pm and I am assuming you called our toll free number found on our website. At that time, we explained to you that your vehicle was impounded and was placed on a day hold by the *** Police Department. Your vehicle was impounded because you did NOT have a valid Driver’s License NOT for only having dealer license plates as you stated on your complaint. We also told you that you will NOT be able to pick up your car until the day hold was up on August 21, 2016. You called us again on Wednesday, July 27, and again on Thursday, July 29, and we had to explain to you again that your vehicle was on a day police hold and we could NOT release your vehicle to you until the day hold was up. You called us again on August 10, and told us that all the charges were dropped and you would like to pick up your car. Upon verification with *** Police Department we were told that was NOT true and your vehicle was still on a day hold. You called again on August 11, and we explained to you that your vehicle was still on a day hold. I can understand the frustration you might have gone through when your car was impounded. Unfortunately, there was nothing we could do to expedite the return of your vehicle.
Again, we apologize for any inconvenience. If I can be of further assistance please don’t hesitate to contact me directly at *** ***
*** ***
California Auto Finance
Collections Manager
Phone *** ***
Fax *** ***

Dear ** ***,
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We apologize for any inconvenience or confusion this may
have caused. After thorough investigation, the problem we found is the
stop payment you placed on your account back in April 2015. Our on-line
payment processor, *** *** ***, has record of this stop
payment on file and the transaction (payment) was NOT submitted to your
bank. You were charged the $processing fee that you agree to pay to
process a payment regardless if your payment is submitted or NOT. In
order to be able to process payments on-line we need written documentation from
your bank that the stop payment from California Auto Finance is no longer in
force. In the meantime, if you continue to process a payment on-line it
will be processed and you will be charged a $processing fee but your payment
request will be cancelled and will NOT be submitted to your bank.
However, in an effort to resolve this issue we will credit
the returned check fee we charged your account. Unfortunately, we cannot
credit you for the $processing fee charged to your account since the
payment request was processed and charged by our payment processor
Again, we apologize for the misinformation. Our company strives to provide
excellent service to all of our customers. We have on-going training for
all our representatives to ensure they are up to date with the latest policies
and procedures and we assure you your experience with us will be different the
next time we communicate

Revdex.com: I guess I don't understand why they sent me the payment booklet in the first place. Also if they knew they didn't have a loan for me why they didn't contact me. The whole thing is fishy. I need a letter as well stating there is and never was a loan from them. Thank you
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Revdex.com:
I will accept all that all I'm looking for in return from the soul bad experience is my paperwork that I've been asking them for since I gave them the car back and that's all I want cuz they keep telling me they mailed it out in letters and I am receiving any of the letters so please thank you

We at California Auto Finance strive to
provide excellent
service to all our customersWe regret that you feel we fell short in this
caseHowever, after careful review of your account, and your complaint, we
have determined that these allegations are either inaccurate or without merit
We received your first payment on March 30, and it was returned by your
bank for non-sufficient funds on April 7, 2015.
We received two more payments from you on April 10, and again both
payments were returned by your bank for non-sufficient funds on April 20,
2015. We talked to you on April 21,
and you promised you would pay via Western Union the amount of $which
would pay your March 12, and your April 12, payment and you broke
that promise. We talked to you again on
April 22, and again you promised to pay $that day and again you
broke the promise. At this point you are
days past due and have many broken promises.
You called us on April 23, at 9:am and again said you would
pay. Then called back at 2:pm that
same day and said you only had $to pay towards your past due amount of $816.78. We advised you $was NOT enough to cover
at least one payment and informed you we would work with you as long as you
sent at least the minimum payment amount of $that day and again you did NOT
pay. On April 24, 2015, you are day
past due and you left us no other choice than to recover our collateralYou
indicate on your complaint that you sent a payment on April 27, via
Western union next day service which means we would receive your payment the
next business day. The vehicle was repossessed
on April 28, at 1:am. Your
payment was NOT in our office at the time of repossessionYou chose to send
your payment thru Western Union next day service which released your payment to
us on April 29, 2015. On April 28,
we advised you that you needed to pay $to redeem your vehicle which
included repossession fees and storage fees from April 28, thru May 1,
2015. However, because this was a new
loan and 1st payment default we sold the contract back to the
selling dealer. If indeed you paid
$1,to get your car back it was less than the amount we quoted you. You must pay for the repossession fee since
it’s a fee that was incurred and must be paid.
In regards to the damages on the vehicle you need to report that to your
insurance company (you should have your vehicle insured at all times) and to
the repossession company. Unfortunately,
once we sold the contract back to the dealer we are NO longer the contract
holder and NOT responsible for the dealers actions. We apologize for any inconvenience this may
have caused. All of our calls are
conducted professionally and abiding by the FDCPA. Despite our position in this case, we have
addressed this complaint with every employee who has reviewed your file,
stressing the importance of ensuring good customer service and abidance to the
FDCPA.
Lastly, we cannot send a letter stating we broke a contract
because we did NOT. This was a new loan
and 1st payment default and the customer defaulted on the loan and
we acted within the law. We cannot give
MAY payment back to customer as it was NOT paid to us

In response to your complaint on 11/14/2014, on 9/22/Mr*** *** made a payment using our on-line payment service in the amount of $Once the payment is processed it will generate a confirmation email and numberIt states “the funds will be debited from your account within 3-
business dayson 9/29/Mr*** called out office and indeed we confirmed payment had been received and account was currentHowever, the next day on 9/30/we received notification from our bank that the check had been returned for non-sufficient fundsUnfortunately, we have no control over how long banks take to process and/or return a non-sufficient funds checkMr*** should have had the funds available for our check to clearMr*** must have been notified by his bank that his check was returned for non-sufficient funds as well

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I am continuously reffered back to the credit agencies, originally I was told by CAF that *** or *** was at fault for not reporting until contacted by the Revdex.com did California auto finance admit fault for not reportingNow I am again directed to the credit bureaus to disput but they cannot dispute something or a company that isnt thereIf they have no history of the company they cannot dispute the companyPer *** it is up to the creditor to report any information to usI am extremely frustrated with the countinuous back and forth for at least a year
Regards,
*** ***

Dear Ms*** ***,In response to your complaint dated July 28, 2017, we at California Auto Finance understand our customers have situation that may prevent them from making their payments on time and we always try to work with all of our customers However, I must say that some of the
allegations in your complaint are either NOT true or without merit We attempted to contact you numerous times at all the numbers you provided and we were unsuccessful Your lack of communication and your account being days past left us no other choice than to recover our collateral Our vehicle was found and repossessed at a different address from what we had on file for you The repossession company had to search and locate our vehicle This is considered concealing our collateral When you called to find out the amount you needed to pay to reinstate your loan, ***, our customer service representative gave you the amount You told her you didn’t have the money *** tried to help you out and told you that she would email the supervisor for approval to reinstate at with a lower amount *** then called you back and told you it was NOT approved because you were concealing our vehicle and you had to pay the “full” amount You misunderstood and assumed you had to pay the past due amount ‘in full” and not the “full” balance on the account I understand how this can be easily misunderstood but in no way was *** being rude On July 27, 2017, I personally took over the call and I explained the situation to you I made an exception to help you out and approved for you to send the past due amount and agreed to reinstate the loan upon receipt of payment On July 28, 2017, the vehicle was released to you All of our calls are conducted professionally Despite our position in this case, we have addressed this complaint with every employee stressing the importance of ensuring good customer service If you have any questions, you may contact me directly at *** and I will be more than happy to further assist you Sincerely,*** ***

Mr*** *** ***, We apologize for any inconvenience or discomfort our calls might have caused youOur company strives to provide excellent service to all of our customers, current or notWe have on-going training for all our customer service representatives to ensure they treat
our customers with the respect they deserve. We have looked into your claims and while we cannot prove or disprove your claim, we assure you your experience with us will be different the next time we communicate. Please be assured you do NOT have an open account with California Auto Finance and we will NOT be contacting you at all. Any further questions you may have can be directed to Equity Auto Center which is the selling dealership. If you require further assistance from California Auto Finance, please feel free to contact me directly Thank You
*** ***
*** *** ***
*** ***
*** *** ***
*** *** ***
*** ** *** ***

Mr*** *** ***,
size="3"> We apologize for any inconvenience or discomfort our calls might have caused youOur company strives to provide excellent service to all of our customers, current or notWe have on-going training for all our customer service representatives to ensure they treat our customers with the respect they deserve. We have looked into your claims and while we cannot prove or disprove your claim, we assure you your experience with us will be different the next time we communicate. Please be assured you do NOT have an open account with California Auto Finance and we will NOT be contacting you at all. Any further questions you may have can be directed to Equity Auto Center which is the selling dealership. If you require further assistance from California Auto Finance, please feel free to contact me directly
Thank You
*** ***
*** *** ***
*** ***
*** *** ***
*** *** ***
*** ** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

Ms*** ***, We apologize for any inconvenience we may have caused. We have checked our website and the information on there is accurate. Our customer service toll free number is *** ***. Our hours of operation are accurate as well, Monday through Friday 8am
to 6pm. However, occasionally we will allow our staff to leave early on Fridays as a form of appreciation. We attempted to contact you on Thursday, July 21, regarding your impounded vehicle and we left a message on your voicemail for you to call us back. Unfortunately, we are closed on weekends. You called us on Monday, July 25, at 4pm and I am assuming you called our toll free number found on our website. At that time, we explained to you that your vehicle was impounded and was placed on a day hold by the *** Police Department. Your vehicle was impounded because you did NOT have a valid Driver’s License NOT for only having dealer license plates as you stated on your complaint. We also told you that you will NOT be able to pick up your car until the day hold was up on August 21, 2016. You called us again on Wednesday, July 27, and again on Thursday, July 29, and we had to explain to you again that your vehicle was on a day police hold and we could NOT release your vehicle to you until the day hold was up. You called us again on August 10, and told us that all the charges were dropped and you would like to pick up your car. Upon verification with *** Police Department we were told that was NOT true and your vehicle was still on a day hold. You called again on August 11, and we explained to you that your vehicle was still on a day hold. I can understand the frustration you might have gone through when your car was impounded. Unfortunately, there was nothing we could do to expedite the return of your vehicle. Again, we apologize for any inconvenience. If I can be of further assistance please don’t hesitate to contact me directly at *** *** *** *** California Auto Finance Collections Manager Phone *** *** Fax *** ***