California Auto Finance

Ms***, 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 deserveOur representative *** will be contacting you to apologizeWe assure you your experience with us will be different the next time we communicate

We do apologize for any inconvenience or
misunderstanding
this may have caused you. After careful review, we have determined some
of these allegation are invalid. We strongly feel we have followed proper
company policy and procedure. We never received the payment you said you
sent on February 16, 2016. We attempted to contact you numerous times as
of February 23, at the contact numbers you provided. You never
returned any of our calls. You left us no choice than to recover our
collateral. We put your vehicle out for repossession on March 7, at
this time you were day past due on a first payment default.
Unfortunately, as you stated on your complaint you made a payment for $at
9:pmClearly this was after hours. On March 8, you called
our office times starting at 8:am. I’m glad you were able to get
ahold of us to clear and inform us you had made payment. I don’t know why
the website would say you owe $yet you sent $308. All monies paid by
you have been posted to your account and I will be more than happy to provide a
payment ledger for your review
Should you require further assistance regarding this matter,
please contact me directly at *** and answer any question you may
have.
Sincerely,
*** ***
*

To Whom It May Concern: We take every complaint very seriously and investigate every complaint made thoroughly. It is our policy to treat every customer with the respect they deserve. We follow local and federal laws and continuously train our employees to abide by these laws and
company policies. We apologize that you feel we fell short here. After careful review of your complaint we have come to the conclusion that some of your allegations are either NOT true or without merit. When we talked to you on July 17, we advised you that your account was past due and we needed a payment on your account no later than Friday, July 21, 2017. We reminded you this was the first payment on your account and the importance of making this and all future payments on time. We offered you suggestions and our different payment methods to ensure your payment would reach us NO later than Friday, July 21, 2017. We did NOT receive a payment or call from you on Friday, July 21, 2017. We attempted to contact on Friday, July 21, 2017, Monday, July 24, 2017, Tuesday, July 25, 2017, Wednesday, July 26, 2017, Thursday, July 27, and were unsuccessful. We left numerous messages for you to call us back regarding your past due account and you did NOT respond. On July 27, you left us NO other choice than to proceed with the recovery our collateral. On July 28, we received a partial payment of $which was NOT enough to cover your past due amount of $437.30. You did NOT call or make any arrangements to cover the remaining balance on your past due account. We continued to call you and continued to actively work in recovering our collateral. Your vehicle was repossessed on July 31, 2017. You contacted us first thing in the morning at 8:am on that day asking for the amount you needed to pay to reinstate your loan. We quoted you the amount of $minus two (2) partial payments you had already made totaling $leaving the amount left to pay to reinstate your loan of $784.17. On August 2, 2017, you called again and we quoted the amount of $because you had made another partial payment of $we explained the breakdown to you thoroughly and in detail. The “notice of intent to sell” was mailed on August 8, and the amount on the notice is $which is the amount we quoted you from the beginning. I really don’t understand why the confusion or any misunderstanding as the amount to reinstate your loan has NOT changed. You have chosen to make partial payments and have NOT covered the full amount you need to pay to reinstate your loan. The “notice of intent” will expire on August 23, 2017. You have up until that day to pay the amount still owed to reinstate your loan. Despite our position on this matter, we have addressed this complaint with every employee, stressing the importance of ensuring great customer service to all of our customersPlease contact me directly at *** and I will be more than happy to answer any questions you might have or clarify any misunderstandings. Sincerely, *** *** Collection Manager Tell us why here

Dear Ms*** ***, In response to your complaint dated 07/11/with the Revdex.com after careful review we must say these allegations are not true and without merit. We have no record of you contacting us regarding your complaint. We take every
complaint very seriously and always try to help all of our customers in every way possible. I am sure if you had addressed your complaint with me we would have been able to resolve any issues or concerns. We talked to you on April 4, and again on April 7, you told us you would send the proof of insurance and you never didYou contacted us on May 15, saying you were going through financial struggles and needed more time to payWe offered you to pay by May 23, You became upset, rude, using foul language and we had to terminate the callYou called back the next day saying you would talk to your girlfriend about the payment and that you would call your agent to fax us proof of insuranceSince we did not receive your payment or proof of insurance we attempted to contact you numerous timesWe finally heard back from you on May 23, you indicated that you wanted to refinance or find someone to take over paymentsYou also gave us full authorization to speak to your girlfriend *** on your behalf in regards to your accountOn May 25, you called our office after numerous attempts were made to contact you regarding your past due account saying you cannot pay until June 2, The representative informed you that she was not able to take that arrangement and was going to transfer your callYou hung up while call was being transferred and we did not secure a solid arrangementYour girlfriend *** called on May 26, we explained to her that we could not accept a payment on June 3, as the account would be days past due and offered her to pay at least a minimum paymentShe refused the offer and hung up*** called back on June 1, demanding to speak with a manager but was yelling, using foul language then hung upDidn't wait to be transferred to a managerWe called back and continued to call as the account was still delinquentOn June 8, 2017, *** informed us that our vehicle had been sold to a male but she didn't have any information on him and would have you call usAt this point, the account is still delinquent and we have no contact with youThe vehicle is out for repossession and we are actively looking to recover our collateral and to contact youWe called all the phone numbers provided by you but no luck finding our collateralWe ran a credit bureau in compliance with the law and as authorized by you when the credit application and contract were signed in an effort to locate youOn June 21, the account was days past dueWe were notified by Sacramento Police that the vehicle was impounded because the driver of the vehicle did not have a driver's licenseAs the lienholder of the vehicle we recovered our collateral from the impound yardOn June 28, you called our office upset, yelling, using foul language because we recovered our collateral from impoundWe terminated callWe apologize for any inconvenience or any discomfort our calls may have causedWe are always willing to work with our customers that is convenient and beneficial for bothIt is also our policy to treat every customer with the respect they deserveWe follow local and federal laws and continuously train our employees to abide by themLastly, as of today we have not received any other complaint from you or your attorneyShould you or your attorney require further assistance, I’ll be more than happy to help you with any issues or questions you may have Sincerely, *** *** Collections Manager (714) 399-Tell us why here

Dear *** ***
“We regret that we fell short of our mission to provide every customer with excellent serviceWe take every complaint seriously and will investigate every allegation you have madeIn the meantime, rest assured that it is our policy to treat every customer with the
outmost respect, as well as work with individuals who are experiencing difficulties making their payments
While reviewing your records, we realized that your account did not meet the criteria for an extension @ the time of your request
We will work with you as much as we can and if more time is needed regarding your payment’s due to the fact that you are a great customer
In regards to the claims you made regarding the unethical behavior of our representativesWe would appreciate if you have any evidence or documentation that supports your claimWe will conduct our independent investigation and will take disciplinary action if one is deemed to be required
Sincerely,

*** ***,
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 have been leaving numerous messages for you to contact us
regarding your past due accountYou never called us back. on August 27,
your account was days past due and you left us no other choice than to
proceed in recovering our collateral. The tracking device on your vehicle
is used to track our vehicle during the recovery process or in the event you
vehicle is stolen as the dealer explained. Also, the due date change you
are requesting cannot be granted as you originally signed your contract on
March 13, your first payment should have been due day from that date on
April 13, 2015. However, your first payment was made due on April
27, you were given days to make your first payment NOT days.
We are willing to move your due date back to the 13th of every month
which will only make your account more past due. As of today your account
is days past due. We continue to call you and you are NOT calling us
back or made any attempt to bring your account current

In the 2+ years we have had our truck we haven't had a problem with this company and all of a sudden we are $away from paying it off and are payment is only for days late and by law there is a day grace period they call my fiance at work in Long Beach (we live in Riverside, Ca) and threaten him telling him that if he didn't have $by noon that day they were going to shut our truck down from running! They were rude to him and also they added $dollars to our payoff amount and I questioned it and they said it was interest on late payments!

Dear ** ***,
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

When we discuss payment issues with the company and let them know that the payment was mailed by our bank, they get nasty on the phone and demand that we make the payment through *** *** and pay the extra feeThey send us to "collections" if they don't receive our payment on the due dateThey are rude as ever when you discuss anything with themWhen I have a concern regarding our loan they talk over us with sarcasm comments so unprofessionalWe requested over the phone to please send us a statement for our records due to us not receiving oneTheir response to us was “all of the sudden you didn’t receive one”, and said No we can’t issues you anotherThe person we spoke with stated her name (Daisy)Also they stated to me that they are to stop all contact with anyone else regarding our vehicleThey are to discuss the account only with us and no one elseTwo of the contacts that we listed where no longer on my contact loan listI fell harassed when addressing my concernsWhen transferred to speak to a supervisor goes straight to voice mail and never get a call backThank

The response to this complaint was prepared on July 6,
as stated in the response itself. However, it is our company policy for
the response to be reviewed by management before it is posted to the Revdex.com
website. We have since the date of July 6, received emails from Ms
*** *** and have responded to her phone calls and emails a well

Ms.  [redacted], I apologize the response we provided was not to your satisfaction.  However, I urge you to contact me directly regarding this matter.  My direct contact number is [redacted] and I will be more than happy to provide an account ledger and an explanation to any question you may have.  Sincerely,[redacted]California Auto FinanceCollections Manager[redacted]

[redacted]...

[redacted],
 
We at California Auto Finance strive to provide excellent
service to all our customers. We regret that you feel we fell short in this
case. However, after careful review of your account, and your complaint, we
have determined that these allegations are either inaccurate or without
merit.  We have been leaving numerous messages for you to contact us
regarding your past due account. You never called us back.  on August 27,
2015 your account was 31 days past due and you left us no other choice than to
proceed in recovering our collateral.  The tracking device on your vehicle
is used to track our vehicle during the recovery process or in the event you
vehicle is stolen as the dealer explained.  Also, the due date change you
are requesting cannot be granted as you originally signed your contract on
March 13, 2015 your first payment should have been due 30 day from that date on
April 13, 2015.  However, your first payment was made due  on April
27, 2015 you were given 45 days to make your first payment NOT 30 days. 
We are willing to move your due date back to the 13th of every month
which will only make your account more past due.  As of today your account
is 45 days past due.  We continue to call you and you are NOT calling us
back or made any attempt to bring your account current.

We take every complaint seriously and we will investigate every allegation you have made.  However, after careful review of your account and this complaint we have determined that these allegations are either inaccurate or without merit.  We contacted you on December 16, 2015 to inform you...

that the payment you made on 12/7/2015 for $209.69 to cover your November payment had been returned by your bank for non-sufficient funds.  You agreed to make a partial payment of $172 on December 16, 2015 and another payment of $172 by the following Friday on 12/25/2015.  However, the payment you made on December 16, 2016 was returned by your bank for non-sufficient funds on December 21, 2015.  Therefore, the arrangements we had were NO longer valid.  Despite the two checks that were returned by your bank we continued to work with you to help you bring your account current.  You made another payment via check for $172 on December 21, 2015 and you made another payment for $172 through Western Union on December 23, 2015 which brought your account current with the exception of the non-sufficient funds fee and late charge.  Then on December 29, 2015 another check was returned by your bank for non-sufficient funds.  As a courtesy to you we accepted a payment of $120 to cover the minimum payment due which you paid on January 7, 2016 thru Western Union.  You still have an amount due of $24.68 to cover late charges and non-sufficient funds fee.  All payments you have made have been credited to your account accordingly.  We do apologize for any inconvenience or misunderstanding this may have caused you. Our company strives to provide excellent service to all of our customers. We have on-going training for all our customer service representatives to ensure they treat our customers with the respect they deserve.   Should you require further assistance regarding this matter, please contact me directly at [redacted] and I will be more than happy to provide an account ledger and answer any question you may have. Sincerely,[redacted]

We at
California Auto Finance strive to provide excellent service to all our
customers. We follow local and federal laws and continuously train our
employees. We regret that our customer feels we fell short in this case.
However, after careful review of his account, and his...

complaint, we have
determined that these allegations are either inaccurate or without merit. We
have never called or attempted to contact customer 5 days after being past due.
At times, if a payment has been mailed and we have allowed a reasonable amount
of time for payment to arrive, we  will suggest sending payment thru
Western Union just in case payment is lost in the mail and to ensure we receive
payment.   All of our accounts are handled by our collections
department.  As per the sales contract there is a 10 day grace period
which we honor.  However, we do make courtesy calls as a reminder that we
have not received payment on their account.  Please be assured that all
your numbers have been removed along with all references. We will contact you
by mail only.  Furthermore, all of our calls have been conducted
professionally, abiding by the FDCPA. Despite our position in this case, we
have addressed this complaint with every employee who has reviewed this
customer's file, stressing the importance of ensuring good customer service and
abidance to the FDCPA.

Every month I have a new problem with them. Online payment is a joke. Month one took them three weeks to process payment. Month two payment never goes through, I recieved an email with receipt of payment but the money never left account. Month three my payment due date has changed? Late fees for all!!! Month four online account info says no balance due, last payment made in 1967?!?! Month five payment goes three weeks without being processed had to call and have rude lady tell me I must have entered wrong account number. I copy and paste from a file the same way each month. Month six money is taken from my account two days before I go online to make payment. They tell me I set up auto pay. I have never and would never do auto pay. Not my thing. Had to go through my bank to stop payment. Month seven they take the five dollar fee for transfer from my account but not the car payment. I called to ask about it and the rude man tells me it's because my bank stopped payment. Sorry but that was last month buddy not this month. I asked for his manager and he said he was account manager and there is nothing anyone can do.

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.Complaint #[redacted],I just received the message from the Revdex.com that California Auto Finance reply to my complaint with the Revdex.com on July 14th. Here is the messafe Dear Mrs. [redacted],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.[redacted] that is a lie and you know it. I had spoken to you people . I had tried to reach out to the company by emails and no repondse. I had to hunt down emails online of employees that is how I got you and few others. You sitting their liying to Revdex.com just to make California Auto Finance look good and me a bad person trying to reach out. [redacted]@californiaautofinance.net, [email protected],[redacted]@californiaautofinance.net, [redacted]@californiaautofinance.net Company has not reponded to the emails that I sent to [email protected]  [email protected] You[redacted],Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Fri, Jul 10, 2015 at 12:05 PM, [redacted] <[redacted][email protected]> wrote:[redacted],Had the car before the queit title took place.  We had made payments until we ran out funds. [redacted] was on employment for a year and now he is trying to find work.I had been making payments from my buisness checking account and you was taking the payments. I ran out of funding  My quiet title case that I field on 3/12/2015..I need to have clear title before I can sell the condo. Thank You[redacted]Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Fri, Jul 10, 2015 at 10:29 AM, [redacted] <[redacted]@californiaautofinance.net> wrote:If you want to pay, then you call Donna. We shouldn’t have to call anyone.I don’t understand what your quiet title case has to do with your promise to pay monthly payments per the terms of the contract.If we knew you wouldn’t  pay per the terms of the contract, we would not have made the loan.  You never mentioned that you needed to win money from somewhere else to may our payment.We wont call you or your family anymore. I hope you pay if you  want to keep the car.[redacted]California Auto FinanceChief Executive OfficerNOTICE: This communication is privileged and confidential information. If you are not the intended recipient, or believe that you have received this communication in error, please do not print, copy, transmit, disseminate, or otherwise use the information. Also, please indicate to the sender that you have received this e-mail in error and delete this message and any attachments from your computer. In the event you have received this email in error, this email does not constitute a waiver of any privilege relative to communications or other rights to privacy and confidentiality relative to said information.From: [redacted] [mailto:[redacted][email protected]] Sent: Friday, July 10, 2015 10:18 AMTo: [redacted]Subject: Re: Name:[redacted] Account# [redacted],Who said you bothering me? All I said don't harass my family they can not help you. . You have my contact information. I would love so much to pay by making  payments to catch up for part of May, June and July. I am sorry.I can't not make the Quiet Title case any faster with the courts. I want to pay off the car so you have the money. I wish money grew on trees then we all be rich. Thank You[redacted]. Sent with MailTrackDescription: Image removed by sender.John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Fri, Jul 10, 2015 at 10:05 AM, [redacted] E. Leyton <[redacted]@californiaautofinance.net> wrote:We don’t want to bother you anymore.Either make your car payment or we will pick up the car.[redacted] LeytonCalifornia Auto FinanceChief Executive OfficerNOTICE: This communication is privileged and confidential information. If you are not the intended recipient, or believe that you have received this communication in error, please do not print, copy, transmit, disseminate, or otherwise use the information. Also, please indicate to the sender that you have received this e-mail in error and delete this message and any attachments from your computer. In the event you have received this email in error, this email does not constitute a waiver of any privilege relative to communications or other rights to privacy and confidentiality relative to said information.From: [redacted] [mailto:[redacted][email protected]] Sent: Friday, July 10, 2015 9:59 AMTo: [redacted] E. LeytonSubject: Re: Name:[redacted] Williams Account# [redacted]Donna What do you mean Don’t call this account anymore?Thank You[redacted]Sent with MailTrackDescription: Description: Image removed by sender.John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Fri, Jul 10, 2015 at 9:53 AM, [redacted] E. Leyton <[redacted]@californiaautofinance.net> wrote:Donna;Don’t call this account anymore.Repo the car if customer doesn’t pay.[redacted]California Auto FinanceChief Executive OfficerNOTICE: This communication is privileged and confidential information. If you are not the intended recipient, or believe that you have received this communication in error, please do not print, copy, transmit, disseminate, or otherwise use the information. Also, please indicate to the sender that you have received this e-mail in error and delete this message and any attachments from your computer. In the event you have received this email in error, this email does not constitute a waiver of any privilege relative to communications or other rights to privacy and confidentiality relative to said information.From: [redacted] [mailto:[redacted][email protected]] Sent: Friday, July 10, 2015 9:49 AMTo: [redacted] E. L[redacted]Subject: Re: Name:[redacted] Account# [redacted]Good Morning,What gives you the right to harass my cousin Brenda Martinza after I had spoken to you a few days ago? BACK OFF ON MY FAMILY PLEASE.You have my contact information. Thank You[redacted]Sent with MailTrackDescription: Description: Description: Image removed by sender.John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Wed, Jul 8, 2015 at 2:15 PM, [redacted] <[redacted][email protected]> wrote:Good Afternoon,We had spoken just a little bit ago. Again sorry the payments are 1 and half late and for the month of July. Like I said on the phone I will pay what is owed and or pay off the car when my quiet title case is over. If you come get the car and sell it at auction then I owe nothing because I don't have the car.  [redacted] is trying to find a job .If he does not have the car you are preventing him from paying on the car because he needs the car so he can get to work so he can pay you..Thank You[redacted]Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Wed, Jul 8, 2015 at 12:52 PM, [redacted] E. Leyton <[redacted]@californiaautofinance.net> wrote:[redacted] please call this customer at number below in her email.[redacted]California Auto FinanceChief Executive OfficerNOTICE: This communication is privileged and confidential information. If you are not the intended recipient, or believe that you have received this communication in error, please do not print, copy, transmit, disseminate, or otherwise use the information. Also, please indicate to the sender that you have received this e-mail in error and delete this message and any attachments from your computer. In the event you have received this email in error, this email does not constitute a waiver of any privilege relative to communications or other rights to privacy and confidentiality relative to said information.From: [redacted] [mailto:[redacted][email protected]] Sent: Wednesday, July 08, 2015 12:24 PMTo: [redacted] E. L[redacted] A. [redacted]Subject: Re: Name:[redacted] Williams Account# [redacted]Name:[redacted] Williams Account# [redacted]Good Afternoon,I am trying to reach out to you. You are not responding to my emails. I just call and left a message with a new contact number. G & B Real Estate Investment 209-451-[redacted]. You can reach [redacted]  at that number.Thank You[redacted]Sent with MailTrackDescription: Description: Description: Description: Image removed by sender.John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Mon, Jul 6, 2015 at 4:11 PM, [redacted] <[redacted][email protected]> wrote:Hello.I appriatate you stop calling my mother  Darlene please. Why is the other company County Finance calling my mother when you had not call my number?http://www.countyfinancial.com/ leads to the longin page of California auto Finance. If this is a collection attempt to collect a debt . We had not been notified by mail stating this that the account been turned over to collection agencyI am sorry the car payments is 1 in half months over due. Please understand I am on low income. [redacted] Williams is trying to find a job. Please be patient with us. I will pay what is due when my Quiet title case is over and selling of the condo. In the mean time [redacted] is trying to find work so he can make some payments on the car.Thank You[redacted]John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Thu, Jul 2, 2015 at 6:33 PM, [redacted] <[redacted][email protected]> wrote:Carol,Ok their you are. I had to guess your email. The email did not come back at me.I am reaching out to you. Please email me.Thank You[redacted]Sent with MailTrackDescription: Description: Description: Description: Image removed by sender.John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Thu, Jul 2, 2015 at 5:26 PM, [redacted] <[redacted][email protected]> wrote:HelloTrying to reach out to you. .You are not returning my emails.Thank You[redacted]Sent with MailTrackDescription: Description: Description: Description: Image removed by sender.John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Thu, Jul 2, 2015 at 5:09 PM, [redacted] <[redacted][email protected]> wrote:Carol,My husband [redacted] promise me he would make the car payments if I co-sign for him again. The first car that I co-singed has been paid off. He is looking for a trucking job. But had no luck because of his DMV record. He is trying to find something else. I will never co-sign for him again or anyone for that matter. .I am still in the middle of my quiet title case. I will pay off the car when my case is over. If you come and get the car then I will not owe anything because I don't have the car. You would had sold the car in auction. Came to find that out. Please email me back. Thank You[redacted]Sent with MailTrackDescription: Description: Description: Description: Image removed by sender.John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Sat, Jun 27, 2015 at 8:24 AM, [redacted] <[redacted][email protected]> wrote:Good Morning,We are tring to come up with the car payments by salling things. My quiet title case  The first  a temp both parties where serve by mail and did not return the Notice Of Acknowlagment Of Receipt to proof they did received the summons and complaint. I have to reserve both parties again but by personally by a server of process.. When I win my case by getting a clear title.When I sell the property I will pay off the car.Thank You[redacted].  Sent with MailTrackDescription: Description: Description: Description: Image removed by sender.John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Wed, Jun 24, 2015 at 7:12 PM, [redacted] <[redacted][email protected]> wrote:Beth,Why are you harassing [redacted] Williams ex wife and why are you calling [redacted]s mother today. We had spoken to you already last week about the car payment and the financial problem. You had no right to harass my mother about the account. She is not in good health. She had called us very upset that you called her. Their is nothing she can do or help you in any way. Leave my mother alone. How in the hell did you get my mothers number in the first place? I had never gave it to you nor use her as a reference. Thank You[redacted]Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Sat, Jun 13, 2015 at 9:04 AM, [redacted] <[redacted][email protected]> wrote:Good Morning,Hello, I [redacted] is trying to reach out to you. Sorry the car payments are late. I will never co-sign for my husband again. I can not pay until Quiet title case is over and I sell the condo. I will pay the car off. Right now [redacted] is not working and trying to find a job and I am on S.S.I disability. I only get under $900.00 a month. That don't even cover all the bills.My understanding that car dealers want the money instead of taking the car back and giving it to the junk yard. But then I am still responsible to pay any ways if you take the car back and give it to the junk yard. Then [redacted] wouldn't have a way to get to work so he can start paying on the car again. Please email me. Thank You[redacted]Sent with MailTrackError! Filename not specified.John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Wed, Jun 10, 2015 at 2:05 PM, [redacted] <[redacted][email protected]> wrote:Good Afternoon, As of May made a half of car payment, June made no payment. Sorry that the payments are late. [redacted] Williams is fixing the car and searching for work. I am  planning on paying the car off here in a few months after my Quiet Title case in court and sell the condo that I purchased through the county tax auction. The reason I can not sell the condo because I need a clear Title in order to sell. That is why I filed a lawsuite Quiet title. Here is a case summary. Case ReportDescription: Description: Description: Description: Image removed by sender. Screen Specific Help Case SearchCase SummaryCase InformationCase Number:39-2015-00322802-CU-OR-STKCase Title:G & B Real Estate Investment LLC vs. Wells Fargo BankCase Category:Civil - UnlimitedFiling Date:3/12/2015Case Type:Other Real PropertyCase Status:PendingJudicial Officer:Location:StocktonParticipantsNameFiling DocumentRoleAttorneyFiled ByCal Villa Estate HOAComplaintDefendantG & B Real Estate Investment LLCG & B Real Estate Investment LLCComplaintPlaintiffG & B Real Estate Investment LLCWells Fargo BankComplaintDefendantG & B Real Estate Investment LLCPending HearingsEvent DescriptionEvent TypeEvent DateEvent TimeLocationDepartmentCase Management Conference8/10/20158:45 AMStockton42Register of ActionsROA #Entry1Complaint filed by G & B Real Estate Investment LLC on 03/12/2015.Filed by:G & B Real Estate Investment LLC(Plaintiff)Refers to:Wells Fargo Bank(Defendant); Cal Villa Estate HOA(Defendant)2Civil Case Cover Sheet filed by G & B Real Estate Investment LLC on 03/12/2015.3Original Summons filed by G & B Real Estate Investment LLC on 03/12/2015.4Case assigned to Judicial Officer Kronlund, Barbara.5Case Management Conference - scheduled for 08/10/2015 at 08:45:00 AM in 42 at Stockton6Summons issued.7Proof of Service of 30-Day Summons & Complaint - Acknowledgement and Receipt filed by G & B Real Estate Investment LLC on 04/13/2015.8Proof of Service of 30-Day Summons & Complaint - Acknowledgement and Receipt filed by G & B Real Estate Investment LLC on 04/13/2015.9Request for Entry of Default filed by G & B Real Estate Investment LLC on 05/07/2015.10Default entered as to Wells Fargo Bank; Cal Villa Estate HOA on Complaint.Thank You[redacted]John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.
Complaint #10686320[redacted],I just received the message from the Revdex.com that California Auto Finance reply to my complaint with the Revdex.com on July 14th. Here is the messafe  Dear Mrs. [redacted], 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.[redacted] that is a lie and you know it. I had spoken to you people . I had tried to reach out to the company by emails and no repondse. I had to hunt down emails online of employees that is how I got you and few others. You sitting their liying to Revdex.com just to make California Auto Finance look good and me a bad person trying to reach out. [email protected], [email protected],[redacte...⇄ has not reponded to the emails that I sent to [email protected]  [email protected] Th...⇄ You[redacted],Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Fri, Jul 10, 2015 at 12:05 PM, [redacted] <[redacted][email protected]> wrote:[redacted],Had the car before the queit title took place.  We had made payments until we ran out funds. [redacted] was on employment for a year and now he is trying to find work.I had been making payments from my buisness checking account and you was taking the payments. I ran out of funding  My quiet title case that I field on 3/12/2015..I need to have clear title before I can sell the condo.  Thank You[redacted]Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.On Fri, Jul 10, 2015 at 10:29 AM, [redacted] E. Leyton <[redacted]@californiaautofinance.net> wrote:If you want to pay, then you call Donna. We shouldn’t have to call anyone. I don’t understand what your quiet title case has to do with your promise to pay monthly payments per the terms of the contract. If we knew you wouldn’t  pay per the terms of the contract, we would not have made the loan.  You never mentioned that you needed to win money from somewhere else to may our payment. We wont call you or your family anymore. I hope you pay if you  want to keep the car.   [redacted] LeytonCalifornia Auto FinanceChief Executive Officer   NOTICE: This communication is privileged and confidential information. If you are not the intended recipient, or believe that you have received this communication in error, please do not print, copy, transmit, disseminate, or otherwise use the information. Also, please indicate to the sender that you have received this e-mail in error and delete this message and any attachments from your computer. In the event you have received this email in error, this email does not constitute a waiver of any privilege relative to communications or other rights to privacy and confidentiality relative to said information. From: [redacted] [mailto:[redacted][email protected]] Sent: Friday, July 10, 2015 10:18 AMTo: [redacted] E. LeytonSubject: Re: Name:[redacted] Williams Account# [redacted], Who said you bothering me? All I said don't harass my family they can not help you. . You have my contact information. I would love so much to pay by making  payments to catch up for part of May, June and July. I am sorry.I can't not make the Quiet Title case any faster with the courts. I want to pay off the car so you have the money. I wish money grew on trees then we all be rich.  Thank You[redacted]. Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. On Fri, Jul 10, 2015 at 10:05 AM, [redacted] E. Leyton <[redacted]@californiaautofinance.net> wrote:We don’t want to bother you anymore. Either make your car payment or we will pick up the car.     [redacted] LeytonCalifornia Auto FinanceChief Executive Officer   NOTICE: This communication is privileged and confidential information. If you are not the intended recipient, or believe that you have received this communication in error, please do not print, copy, transmit, disseminate, or otherwise use the information. Also, please indicate to the sender that you have received this e-mail in error and delete this message and any attachments from your computer. In the event you have received this email in error, this email does not constitute a waiver of any privilege relative to communications or other rights to privacy and confidentiality relative to said information. From: [redacted] [mailto:[redacted][email protected]] Sent: Friday, July 10, 2015 9:59 AMTo: [redacted] E. LeytonSubject: Re: Name:[redacted] Williams Account# [redacted] Donna What do you mean Don’t call this account anymore? Thank You[redacted]Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. On Fri, Jul 10, 2015 at 9:53 AM, [redacted] E. Leyton <[redacted]@californiaautofinance.net> wrote:Donna; Don’t call this account anymore. Repo the car if customer doesn’t pay.   [redacted] LeytonCalifornia Auto FinanceChief Executive Officer   NOTICE: This communication is privileged and confidential information. If you are not the intended recipient, or believe that you have received this communication in error, please do not print, copy, transmit, disseminate, or otherwise use the information. Also, please indicate to the sender that you have received this e-mail in error and delete this message and any attachments from your computer. In the event you have received this email in error, this email does not constitute a waiver of any privilege relative to communications or other rights to privacy and confidentiality relative to said information. From: [redacted] [mailto:[redacted][email protected]] Sent: Friday, July 10, 2015 9:49 AMTo: Donna; [redacted] E. L[redacted] A. [redacted]Subject: Re: Name:[redacted] Williams Account# [redacted] Good Morning, What gives you the right to harass my cousin Brenda Martinza after I had spoken to you a few days ago? BACK OFF ON MY FAMILY PLEASE.You have my contact information. Thank You[redacted]Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. On Wed, Jul 8, 2015 at 2:15 PM, [redacted] <[redacted][email protected]> wrote: Good Afternoon,  We had spoken just a little bit ago. Again sorry the payments are 1 and half late and for the month of July. Like I said on the phone I will pay what is owed and or pay off the car when my quiet title case is over. If you come get the car and sell it at auction then I owe nothing because I don't have the car.  [redacted] is trying to find a job .If he does not have the car you are preventing him from paying on the car because he needs the car so he can get to work so he can pay you..  Thank You[redacted]Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. On Wed, Jul 8, 2015 at 12:52 PM, [redacted] E. Leyton <[redacted]@californiaautofinance.net> wrote:[redacted] please call this customer at number below in her email.   [redacted] LeytonCalifornia Auto FinanceChief Executive Officer   NOTICE: This communication is privileged and confidential information. If you are not the intended recipient, or believe that you have received this communication in error, please do not print, copy, transmit, disseminate, or otherwise use the information. Also, please indicate to the sender that you have received this e-mail in error and delete this message and any attachments from your computer. In the event you have received this email in error, this email does not constitute a waiver of any privilege relative to communications or other rights to privacy and confidentiality relative to said information. From: [redacted] [mailto:[redacted][email protected]] Sent: Wednesday, July 08, 2015 12:24 PMTo: [redacted] E. L[redacted] A. [redacted]Subject: Re: Name:[redacted] Williams Account# [redacted] Name:[redacted] Williams Account# [redacted]Good Afternoon, I am trying to reach out to you. You are not responding to my emails. I just call and left a message with a new contact number. G & B Real Estate Investment 209-451-[redacted]. You can reach [redacted]  at that number.    Thank You[redacted]Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. On Mon, Jul 6, 2015 at 4:11 PM, [redacted] <[redacted][email protected]> wrote:Hello. I appriatate you stop calling my mother  Darlene please.  Why is the other company County Finance calling my mother when you had not call my number? http://www.countyfinancial.com/ leads to the longin page of California auto Finance. If this is a collection attempt to collect a debt . We had not been notified by mail stating this that the account been turned over to collection agency I am sorry the car payments is 1 in half months over due. Please understand I am on low income. [redacted] Williams is trying to find a job. Please be patient with us. I will pay what is due when my Quiet title case is over and selling of the condo. In the mean time [redacted] is trying to find work so he can make some payments on the car.  Thank You[redacted]John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. On Thu, Jul 2, 2015 at 6:33 PM, [redacted] <[redacted][email protected]> wrote: Carol, Ok their you are. I had to guess your email. The email did not come back at me.I am reaching out to you. Please email me. Thank You[redacted]Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. On Thu, Jul 2, 2015 at 5:26 PM, [redacted] <[redacted][email protected]> wrote: Hello Trying to reach out to you. .You are not returning my emails.  Thank You[redacted] Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. On Thu, Jul 2, 2015 at 5:09 PM, [redacted] <[redacted][email protected]> wrote:Carol, My husband [redacted] promise me he would make the car payments if I co-sign for him again. The first car that I co-singed has been paid off. He is looking for a trucking job. But had no luck because of his DMV record. He is trying to find something else. I will never co-sign for him again or anyone for that matter. . I am still in the middle of my quiet title case. I will pay off the car when my case is over. If you come and get the car then I will not owe anything because I don't have the car. You would had sold the car in auction. Came to find that out. Please email me back.  Thank You[redacted]Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. On Sat, Jun 27, 2015 at 8:24 AM, [redacted] <[redacted][email protected]> wrote:Good Morning, We are tring to come up with the car payments by salling things.  My quiet title case  The first  a temp both parties where serve by mail and did not return the Notice Of Acknowlagment Of Receipt to proof they did received the summons and complaint. I have to reserve both parties again but by personally by a server of process.. When I win my case by getting a clear title.When I sell the property I will pay off the car. Thank You[redacted].   Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. On Wed, Jun 24, 2015 at 7:12 PM, [redacted] <[redacted][email protected]> wrote:Beth, Why are you harassing [redacted] Williams ex wife and why are you calling [redacted]s mother today. We had spoken to you already last week about the car payment and the financial problem. You had no right to harass my mother about the account. She is not in good health. She had called us very upset that you called her. Their is nothing she can do or help you in any way. Leave my mother alone. How in the hell did you get my mothers number in the first place? I had never gave it to you nor use her as a reference.   Thank You[redacted]Sent with MailTrackJohn 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. On Sat, Jun 13, 2015 at 9:04 AM, [redacted] <[redacted][email protected]> wrote:Good Morning, Hello, I [redacted] is trying to reach out to you. Sorry the car payments are late. I will never co-sign for my husband again. I can not pay until Quiet title case is over and I sell the condo. I will pay the car off. Right now [redacted] is not working and trying to find a job and I am on S.S.I disability. I only get under $900.00 a month. That don't even cover all the bills. My understanding that car dealers want the money instead of taking the car back and giving it to the junk yard. But then I am still responsible to pay any ways if you take the car back and give it to the junk yard. Then [redacted] wouldn't have a way to get to work so he can start paying on the car again. Please email me.  Thank You[redacted]Sent with MailTrackError! Filename not specified.John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. On Wed, Jun 10, 2015 at 2:05 PM, [redacted] <[redacted][email protected]> wrote:Good Afternoon,  As of May made a half of car payment, June made no payment. Sorry that the payments are late. [redacted] Williams is fixing the car and searching for work. I am  planning on paying the car off here in a few months after my Quiet Title case in court and sell the condo that I purchased through the county tax auction. The reason I can not sell the condo because I need a clear Title in order to sell. That is why I filed a lawsuite Quiet title. Here is a case summary.  Case Report Case SearchCase Summary Case InformationCase Number:39-2015-00322802-CU-OR-STK Case Title:G & B Real Estate Investment LLC vs. Wells Fargo Bank Case Category:Civil - UnlimitedFiling Date:3/12/2015Case Type:Other Real PropertyCase Status:PendingJudicial Officer:Location:Stockton Participants NameFiling DocumentRoleAttorneyFiled ByCal Villa Estate HOAComplaintDefendant G & B Real Estate Investment LLCG & B Real Estate Investment LLCComplaintPlaintiff G & B Real Estate Investment LLCWells Fargo BankComplaintDefendant G & B Real Estate Investment LLC Pending Hearings Event DescriptionEvent TypeEvent DateEvent TimeLocationDepartment Case Management Conference8/10/20158:45 AMStockton42 Register of Actions ROA #Entry1Complaint filed by G & B Real Estate Investment LLC on 03/12/2015.Filed by:G & B Real Estate Investment LLC(Plaintiff)Refers to:Wells Fargo Bank(Defendant); Cal Villa Estate HOA(Defendant)2Civil Case Cover Sheet filed by G & B Real Estate Investment LLC on 03/12/2015. 3Original Summons filed by G & B Real Estate Investment LLC on 03/12/2015. 4Case assigned to Judicial Officer Kronlund, Barbara. 5Case Management Conference - scheduled for 08/10/2015 at 08:45:00 AM in 42 at Stockton 6Summons issued. 7Proof of Service of 30-Day Summons & Complaint - Acknowledgement and Receipt filed by G & B Real Estate Investment LLC on 04/13/2015. 8Proof of Service of 30-Day Summons & Complaint - Acknowledgement and Receipt filed by G & B Real Estate Investment LLC on 04/13/2015. 9Request for Entry of Default filed by G & B Real Estate Investment LLC on 05/07/2015. 10Default entered as to Wells Fargo Bank; Cal Villa Estate HOA on Complaint. Thank You[redacted] John 3 16For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.

We at California Auto Finance strive to provide excellentservice to all our customers. We regret that you feel we fell short in thiscase. However, after careful review of your account, and your complaint, wehave determined that these allegations are either inaccurate or without...

merit.We have never called or attempted to contact you before your payment is duemuch less call before 8am.  All of our calls have been conductedprofessionally abiding by the FDCPA. Despite our position in this case, we haveaddressed this complaint with every employee who has reviewed your file,stressing the importance of ensuring good customer service and abidance to theFDCPA.  We have removed your contact numbers as well as the referencesphone numbers as you requested.   Lastly, I have been leaving messages for you to contact medirectly as I would like to discuss this further with you and offer you someoptions to possibly help you avoid paying a late fee and minimize thecalls.  Please call me at your earliest convenience at [redacted] Thank You.  Tell us why here...

Dear Mrs. [redacted],
 
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 have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

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.