California Auto Finance

Review: I've been trying to communicate with this office for a long time and rarely am I able to get answers. I have called about insurance, payment history, interest reports, I've faxed request with minimal results. I've been charge fees I shouldn't have because incompetence. I cannot ever speak to the same person because I am refused first and last names which makes it hard to keep a record of my issues. Today, I called because I was told multiple times that they report my information to only [redacted]. This seems to not be true. I was told to call [redacted] to see why there's no record of reporting. I explain that I have already. then "[redacted]" said have you tried the other agencies. when I stated I was told it was it was only [redacted] previously, he stated o well its [redacted] or [redacted]. so I pay for my report and [redacted] was able to pull all three reports for me and nothing. I called back and spoke to a [redacted]. she said that it was the agency's fault for not reporting. She then gave the example of even if CFA didn't report my payment there should be another way for the agencies to get the information. when I asked both [redacted] and [redacted] for some type of proof that they are sending my information out, they both stated there is nothing they can give me. when I asked can I speak to the department who reports my information [redacted] said there's no way to talk to them. [redacted] stated it's another department that does it, she doesn't know who, "Maybe Accounting". so I asked to talk to someone else who may know or a manager I was told no by both reps. [redacted] said his supervisor was out of the building but would only tell me the same thing he told me. Later [redacted] Stated that there was no one to talk to but she offered to email her manager, which I agreed to though I have failed to received a response in the past. when I asked don't I have a right to know what information of mine is being sent out? I was told I don't know what to tell you. I've been stressed drained and worn out.Desired Settlement: I have been made to feel un worthy because I have a subprime loan. I am trying to re-build credit(the only reason I originally financed) I have already made 15 payments with 20% APR. with nothing reported. because of stress and time wasted with this company, if I had the option to no longer have this loan carried by them that would be ideal. or give me back my interest with no interest remaining. I would of paid cash for the car and not 20% APR. if they were clear about how they report.

Business

Response:

Ms. [redacted]

I'm sorry for the difficulties you had getting information concerning your credit. We appreciate your business and recognize that you are a valued customer. We have given instructions to the customer service department which should eliminate these type of problems int he future. California Auto Finance has been reporting to Experien and [redacted] for your account for [redacted] Arce since about June 2013. However, we had not been reporting for you as the co-borrower.

In order to get your past payments reported on your credit report and any earlier payments made by [redacted] reported as well, you will need to send a credit dispute request to Experien and to [redacted]. Please reference your California Auto account and in the additional information space, indicate you want your previously unreported payments to be added to your credit history. Once you do this, we will be send an electornic form by the bureaus which will allow us to access your account and update the credit information. We are unable to go in directly without that dispute form.

Thank you for your request and for your business. Please let us know if you have any further matters you need resolved.

Consumer

Response:

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.

I am continuously reffered back to the credit agencies, originally I was told by CAF that [redacted] or [redacted] was at fault for not reporting until contacted by the Revdex.com did California auto finance admit fault for not reporting. Now I am again directed to the credit bureaus to disput but they cannot dispute something or a company that isnt there. If they have no history of the company they cannot dispute the company. Per [redacted] it is up to the creditor to report any information to us. I am extremely frustrated with the countinuous back and forth for at least a year.

Regards,

Review: hi my name is [redacted] I have a problem with california auto finance on September 22nd 2014 I made a payment of $296 and 0 cents. on September 29th I called california auto finance and one of their representatives viewed my profile and my payment and confirm that we have paid and gave us a confirmation number. On October 14th the representative from California auto finance collection department name [redacted] said we never made the payment and the money didn't go through which I had to pay another $329.for their lack of work at California auto finance I am now behind one payment and possibly getting my car repossessed. From September 22nd to September 30th that is 8 days and on their files they are responsible to take out money from 3 to 5 business days if you can please help me with this problem I very appreciate it Thank You Revdex.com

Business

Response:

In response to your complaint on 11/14/2014, on 9/22/14 Mr. [redacted] made a payment using our on-line payment service in the amount of $223. Once the payment is processed it will generate a confirmation email and number. It states “the funds will be debited from your account within 3-5 business days. on 9/29/14 Mr. [redacted] called out office and indeed we confirmed payment had been received and account was current. However, the next day on 9/30/2014 we received notification from our bank that the check had been returned for non-sufficient funds. Unfortunately, we have no control over how long banks take to process and/or return a non-sufficient funds check. Mr. [redacted] should have had the funds available for our check to clear. Mr. [redacted] must have been notified by his bank that his check was returned for non-sufficient funds as well.

Review: I have been dealing with this company for at least 2 years now and have spoken with a customer service representative many times. Each time I have spoken with a representative they have been rude and unprofessional unlike ANY company I have ever dealt with. I was making my payment on time for over a year and came across hard times. I needed to make a late payment and they granted me an extension. 3 months later I needed another extension and they claimed they are not allowing extensions anymore. When a payment is late they call repeatedly and the person calling is always pushy and extremely rude. They have no regard for personal problems, they give no sympathy and they will blatantly tell you that "it's not their problem you can't pay on time". Recently, I submitted a payment online which said the process would take up to 3 days to process. After 3 days the money was never taken out of the account for the car payment and I was not notified. They called me almost a month later, the first couple times they called from a unrecognized number and didn't leave a voicemail and then they called my references REPEATEDLY and we're also rude to my personal references. Once I finally spoke to them they told me that they didn't recieve the payment and the car was about to be shut off and repossessed in 24 hours. The woman on the phone was extremely rude when I called her back to tell her I could make the payment in a couple days. She answers the phone and instead of a greeting she says "Yeah what happened" assuming she didn't know who I was I tell her my name and she follows with "yeah I know, so what happened with the payment" I explain to her my situation and she goes on to tell me "that's your fault you couldn't make the payment, I'm going to shut the car off anyways" I tell her she is being extremely rude and it's uncalled for and she cuts me off to tell me that I'm only saying she is rude because my car payment is late and not hers". extremely unethical, worst company.Desired Settlement: My desired outcome is for this company to no longer be in business. They have no right to treat customers with disrespect and it's time to put a stop before they continue to disrespect they're loyal customers. They have numerous complaints in reviews all over the internet. It is a disgrace that they are an operational company in the United States.

Business

Response:

“We regret that we fell short of our mission to provide every customer with excellent service. We take every complaint seriously and will investigate every allegation you have made. In 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 you have given us a bad check quite recently, despite the fact that we reinstated your loan after we repossessed your vehicle in June of 2014. The check that you made reference on your complaint came back from your bank stating that there were not enough funds to cover it. We would be very happy to assist you in providing any copies you may need so that you can address this with your bank.

In regards to the claims you made regarding the unethical behavior of our representatives. We would appreciate if you have any evidence or documentation that supports your claim. We will conduct our independent investigation and will take disciplinary action if one is deemed to be required.

Sincerely,

California Auto Finance”

Review: My biggest problem with these people is that they are charging me an extra $70 per month since november 2014 for auto insurance when it is clear that I have had my insurance with [redacted] They are REFUSING to take of their insurance on my car note. My car note was $355. They said that becuase they are having issues with [redacted] paying out their claims, that they cannot accecpt my car insurance. That is unfair and honestly thats not my problem that they are having issues with [redacted] I have been going through this since November of last year and they will not take it off. So yes, I have been paying the $425 since then becuase I need my car. But this is not fair.Desired Settlement: $490 which is $70 times 7 from Novermber 2014 until May 2015.

Business

Response:

We were not accepting [redacted] policies due to many issues we

had with [redacted] not paying on claims for no apparent reason. However, we

have resolved our issues with [redacted] and are now accepting [redacted]

insurance. We have accepted your [redacted] policy and applied it to your loan

on January 27, 2015 with an effective date of 11/14/2014. We have

cancelled the loss damage waiver previously added to your account and have not

charged you for it.

We at California Auto Finance strive to provide excellent

customer service. We apologize for any inconvenience this may have

caused.

Consumer

Response:

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 resolved. I would like to have a refund for the over payments that I have paid to you guys as well.

Regards,

Review: On May 27th 2015 we sold the vehicle owned by California auto to the dealership as a trade and signed the pink slip away releasing us of any responsibility. On May 28th we began to receive harassing calls by California Auto finance rep she would not release her name. My husband and I continued to receive calls continually threatening that they demanded payment, rep was continually told that we were no longer were in possession of vehicle and dealership would contact them regarding full pay off. Rep of California Auto Finance did not care and continued to raise voice and demand payment and made threatening demands. When asked to transfer to someone that could help rep refused. I was advised by another rep that these harassing phone calls would not stop and they would continue ,rep also advised me if I had complaint there was no number or human I could take my complaint to. Through the two years with California Auto Finance they were horrible in customer service times and day when business was to be operating they were not available also in the past they has misplaced documents and demanded that we resend them to them or else even though it was of their fault. They also have horrible reviews everywhere with other customers complaining of the same issues. They cannot continue to treat people such ways and get away with it. My husband and I will not be embarrassed by them.Desired Settlement: Hopefully that this business is not allowed to continue business this way.

Business

Response:

Dear Ms. [redacted],

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 inaccurate. When

you trade in a vehicle you are still responsible for the loan until the account

is paid off. You traded in your vehicle

to a dealer on May 27, 2015. Your

payment that was due on May 20, 2015 was 7 days past due. We talked to you on May 29, 2015 and you told

us the pay off check was mailed out on Wednesday of that week. We never received the pay off check. We talked to your husband on June 4, 2015 and

told him the pay off check had not been received and asked him for the name of

the dealer you traded your vehicle in to and he refused to give us that

information and said he would take care of it.

We attempted to talk to you again on June 4, 2015 and you refused to

talk to us. On June 9, 2015 we talked to

you again and tried to explain we have not been paid and you told us to talk to

the dealer and you hung up. We finally

received the pay off check on June 10, 2015.

We apologize for any inconvenience or discomfort our calls we 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. We assure you your

experience with us will be different the next time we communicate.

Sincerely,

Collections Manager

Review: Ca auto finance are a bunch of crooks! We purchased the car in February 2015 with a $1500 deposit. Our first payment to them was scheduled on March 12 we made the payment on March 31. Our next payment was due on April 12 unfortunately I ended up in the hospital having my stomach removed so our April payment was late, but not more then 30 days. Ca auto kept calling day and night harnessing us for the payment and threatened to pick up the car even though it was 30 days late. So we western union the payment on April 27th via next day. They called again 3 days later and again made threats to take the car and hung up on me. I had to call back even after hung up on 4 times and told the case manager that we did send the payment and she said they still havnt received it yet. So I gave her the confirmation numb from the western union receipt and offered to fax over the copies of the receipts. [redacted] the case manager said the numbers will be fine and if there is any problem she will call back. The next day I wake up and the car is gone! I called them right away and [redacted] was very rude and said they still hadn't received the payment. I told her it was sent by western union and at that point she asked for the receipt copies, which she should have done the first time. For three days they told us they received it but it went to the wrong account. After four long days of calls and promises that we would not accrue any towing fees or charges they finally said they received the money. We went down to the dealer to pick up the car and they told us that we would need to pay $900 to get the car back. This was supposedly for towing fees late fees and Mays payment up front even though it was do til the 12th and it was only May 1. They would not work with us and we had no choice but to pay the $900. So we left and came back with the cash within the same hour and when we got there they told us it would be an additional $192. We were appalled. So we ended up paying $1192 to get the car back. When we got home which is a mile away we noticed the whole side fender of the car had been ripped off and damaged and my two insulin injection pens were missing. We called ca auto right away but we're already closed for the weekend so Monday we go ahold of them and it was horrible. They refused to help us with the damages and missing medication. We had purchased the car insurance through them, but they refused to file a claim because the car was repoed. Even though we sent the payment less then 30 days late. We also requested for the payment date to be changed and the rep Gloria said she will put in the request and that was the last we heard from them. Then two days later I look outside and our car is being towed again! The auto dealer ship said they were taking it back because we complained that the car was damaged and the my medication was missing. I told the dealer they can not break the contract for that reason. Then they changed their story and said they broke the contract because we were difficult customers to work with. Then I told the dealer well we payed for May up front and our billing cycle is from the 12th to the 12th so they picked up he car on May 12 and we had already made the mays payment from May 12 to June 12. So we want our money back and a letter in writing stating the reasons why THEY were breaking the contract. Ca auto refused to speak to us about anything and said to deal with the auto dealer. This is by car the worst company and thieves. I am filing a police report because we still have not we received a letter stating the reasons why or that they are breaking the contract and because they have the car when we were forced to make mays payment up front.Desired Settlement: Want a letter in writing stating why they broke the contract and mays payment back

Business

Response:

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 received your first payment on March 30, 2015 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, 2015 and again both

payments were returned by your bank for non-sufficient funds on April 20,

2015. We talked to you on April 21, 2015

and you promised you would pay via Western Union the amount of $816.78 which

would pay your March 12, 2015 and your April 12, 2015 payment and you broke

that promise. We talked to you again on

April 22, 2015 and again you promised to pay $816.78 that day and again you

broke the promise. At this point you are

40 days past due and have many broken promises.

You called us on April 23, 2015 at 9:31 am and again said you would

pay. Then called back at 2:27 pm that

same day and said you only had $300 to pay towards your past due amount of $816.78. We advised you $300 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 $375 that day and again you did NOT

pay. On April 24, 2015, you are 42 day

past due and you left us no other choice than to recover our collateral. You

indicate on your complaint that you sent a payment on April 27, 2015 via

Western union next day service which means we would receive your payment the

next business day. The vehicle was repossessed

on April 28, 2015 at 1:30 am. Your

payment was NOT in our office at the time of repossession. You chose to send

your payment thru Western Union next day service which released your payment to

us on April 29, 2015. On April 28, 2015

we advised you that you needed to pay $1325.68 to redeem your vehicle which

included repossession fees and storage fees from April 28, 2015 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

$1,192 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.

Review: I traded in my 2012 [redacted] to a dealer and they gave me $16,500 as a trade in, as of 4/17/2015 my pay-off was $15430.72 to California Auto Finance and the balance of the $16,500 would go to my new car purchase. When I checked my account online with California Auto finance on 6/2/2015 it showed an overpayment of $174.93 so I called and they said that it had been overpaid and they would be sending me a check. On 6/18/2015 I called them again because when I checked my account online again it showed that the balance was now $0 and I hadn't received the check. The lady told me that yes she could see that it was overpaid by $174.93 but the check had been sent. I told her I hadn't received anything so she told me to let her look into it and call her back in 3 hours. When I called back the lady told me that there was never an overpayment and the amount paid to them was $15901.84 and that was the payoff balance, she was very rude. How did my payoff go from $15,430.72 on 4/17/2015 to $15,901.84 on 05/14/2015 I have all my printouts showing the amounts. What did they do with the $174.93........put it in their pocket?Desired Settlement: refund for the overpayment of $174.93

Consumer

Response:

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 resolved.On the 19th of June they called us and mailed the check and I received it yesterday. Thank you

Regards,

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 [redacted] and pay the extra fee. They send us to "collections" if they don't receive our payment on the due date. They are rude as ever when you discuss anything with them. When I have a concern regarding our loan they talk over us with sarcasm comments so unprofessional. We requested over the phone to please send us a statement for our records due to us not receiving one. Their response to us was “all of the sudden you didn’t receive one”, and said No we can’t issues you another. The 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 vehicle. They are to discuss the account only with us and no one else. Two of the contacts that we listed where no longer on my contact loan list. I fell harassed when addressing my concerns. When transferred to speak to a supervisor goes straight to voice mail and never get a call back. Thank

Review: I had a phone call in regards to my vehicle which is financed through California Auto Finance,

I spoke to a representative by the name of [redacted] she have been invading my privacy using the tracking device on the car. I was informed by the car lot that it would only be used to locate if the car is reported stolen but, yet they are tracking my car because the amount of my payment, I had asked on two occasion to have the payment due date change in which I signed the contract on 3/13/2015 my payment should be due on the the 13th of every month instead of the 27th of the month.She told me that was something that they could not do. She informed me that the car will be repossessed and that I shouldn't have signed the agreement. I know what my payment amount is I had a financial issue to where I had to pay $89 dollar less than what it should be. she was very rude and unprofessional. I will never get a used car again and have to deal with California Auto Finance. They also contact the reference I provided to get in contact with me, in which is none of there business.Desired Settlement: to use the car tracking device for the manner in which it was informed to me to be used if the car is stolen not because I made a less amount payment and not to threaten to have the car repoed

Business

Response:

[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.

Review: On two ocassion a customer service rep by the name of [redacted] has called and left a inappropriate voice mails, telling me how to handle my finances and now has called my place of employment and has inappropiately started a argument with one of my coworkers who told her I was out of the office at the time of the call, she then preceeded to call my co worker a liar suggesting that my job description is to be in the office, she then asked to speak with her supervisor, when my co worker told her that I was her supervisor, [redacted] then stated she highly disbelieve that I could be her supervisor and that she demanded to talk to her supervisor, my coworker then asked if she could speak to her supervisor and [redacted] told her that she couldn't speak to her supervisor. First of all, [redacted] should'nt even be having a discussion with my co worker in the first place, once my co worker told her that I was out of the office, she should have then hung up, but [redacted] continued to be disrespectful, suggesting that she knows what my job entells and my hours. I called back and ask to speak to a manager, I was placed on hold three times, someone then answered the phone and asked me the nature of my call, I stated that I wanted to speak to a manager and got hung up on. I then called back and spoke with a [redacted] Sandobal who didn't seem sympethitic to any of the disrespect and poor service her co worker displayed but yet only cared about when was I going to pay my payment. This is not only highly embarrasing but disrespectful and VERY poor customer service.Desired Settlement: an apology and for that particular rep to never call me again

Business

Response:

Ms. [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, current or not. We have on-going training for all our customer service representatives to ensure they treat our customers with the respect they deserve. Our representative [redacted] will be contacting you to apologize. We assure you your experience with us will be different the next time we communicate.

What a rude and disrecpectful company this is. I was 2 days late on a payment (my first time late) and they threatened me saying they "will shut my car down from running". They said they have no grace period, which I've never heard of in the auto finance business. The woman I spoke to was very unprofessional. You never talk to customers the way she belittled me, no respect. They need to get rid of this woman and change their policy. Will NEVER use them again!!