Carfinance.com

October 13, [redacted] ***RE: Revdex.com Complaint – [redacted] Account Number - [redacted] Dear [redacted] ,Thank you for bringing your concerns to the surface through the BetterBusiness Bureau on 10/05/CarFinance strives to deliver excellent serviceto every customerCarFinance would like to apologize for the inconvenience youhad to endure surrounding your accountWe at CarFinance take every complaint seriously and this matter hasbeen forwarded to the Office of the PresidentWe have looked into youraccount, and it appears there is a discrepancy between the last four digits ofan account number that was input into the payment system by you, and the last 4digits of an account number that you have provided to one of our supervisorsvia emailThat is why the payment has not been processed to your accountDueto security purposes, we are unable to disclose any account information viaemail or through a public channelWe ask that you please contact us directlyat [redacted] so we may discussthis further with you Thank you, [redacted] ***CarFinance CapitalOffice of the President

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 I received an email from [redacted] (supervisor) and the email is attatchedI responded by calling his direct line and leaving a voicemail messageI then followed up by email asking when I would be able to reach him to set up payment arrangements via telephone seeing as this was not an option via emailI refuse to call the regular customer service number seeing as the last few times I did that I was treated quite terribly and got nowhere outside of being disrespectedIn any event, I have not heard anything back as of yetSo I am still unable to make any arrangement regarding payment 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 Please see the times he is calling is almost pm my timeI am either in bed or almost ready for bed calling before pm my time worksworks best [redacted] has called me todayAlso please note I also made same day attempts at call backs where customer service advised he would call back that happened but almost pm in the eveningRegards, [redacted]

Dear [redacted] , RE: Revdex.com Complaint Thank you for bringing your concerns to the surface through the Better Business Bureau on 01/03/CarFinance strives to deliver excellent service to every customerCarFinance would like to apologize for the inconvenience you had to endure surrounding your account We at CarFinance take every complaint seriously and this matter has been forwarded to the Office of the PresidentWith that said, management has been involved to address your complaintWhile your account was under review with the Office of the President, management has been in contact with you via phone As stated in your complaint, you wanted to ensure that there is not a late payment being reported to the credit bureaus, and there is notYou also inquired on a refund of the processing charges for the check by phoneWe are unfortunately unable to reverse the processing feeWe have however, waived the $late charge that was assessed to the loanThat has already been taken care ofThe two month extension request has also been submitted on the account and will be on the account officially in about hours (for processing time) Once again, we sincerely apologize for any inconvenience this may have caused, and we look forward to doing continued business with youIf you have any additional questions or concerns, please feel free to contact us at ###-###-#### Thank you, [redacted] ***CarFinance Capital Office of the President

December 17, [redacted] *** [redacted] *** [redacted] RE: Revdex.com Complaint Thank you for bringing your concerns to the surface through the Revdex.comCarFinance strives to deliver excellent service to each and every customer As documented in your Revdex.com complaint you expressed dissatisfaction with the manner you and your wife were spoken to We take every complaint very seriously and have forwarded to the office of the president for reviewManagement has been informed and will address with all parties involved With that said We have asked that one of our management members reach out to you and try to work out payment arrangements Please note that arrangements are set according to your account status He/she will be able to provide more information We are confident that after speaking to our management member he/she can address all of your concerns Should you need anything else please feel free to contact us at ###-###-#### Sincerely, [redacted] CarFinance Capital

November 13, [redacted] *** [redacted] Rd [redacted] , NC [redacted] RE: Revdex.com Complaint Thank you for bringing your concerns to the surface through the Revdex.comCarFinance strives to deliver excellent service to each and every customer As documented in your Revdex.com complaint you expressed dissatisfaction with the wait time of a refund Per the conversation you had with us from October 31, we advised your refund would be expected by the second week of November As promised your refund was sent out on November 10, in the amount of $ This was sent to you via UPS overnight and arrived to your home address on November 11, We are confident we have addressed your concerns Should you need anything else please feel free to contact us at 1-800-900- Sincerely, [redacted] CarFinance Capital

September 14, [redacted] ***RE: Revdex.com Complaint – [redacted] Account Number – N/A Dear [redacted] ,In your response, you requested that we produce the credit application.Please see the attachment with our responseThis was the information that wassubmitted to us from [redacted] LendingIf you are needing the originalapplication, you will need to contact [redacted] directly for a copy of thatapplicationThank you, [redacted] ***CarFinance Capital [redacted]

July 6, [redacted] ***RE: Revdex.com Complaint – [redacted] Account Number – [redacted] Dear [redacted] ,We see that you have been in direct contact with one of our supervisorsand have successfully set up payment arrangements for your accountIf there is anything else we may further assist you with, please feelfree to contact usOur Customer Service Department can be reached at [redacted] or by email at [redacted] Thank you, [redacted] ***CarFinance CapitalOffice of the President

November 30, [redacted] ***RE: Revdex.com Complaint – [redacted] Account Number – N/ADear [redacted] ,Thank you for bringing your concerns to the surface through the Better Business Bureau on 11/18/CarFinance strives to deliver excellent service to every customer We at CarFinance take every complaint seriously and this matter has been forwarded to the Office of the PresidentWe have looked into the application that was received, and we have received a credit application from [redacted] [redacted] is a third party company that we have a relationship with [redacted] assists customers in looking for a company to either purchase a new auto loan or refinance their existing auto loanThank you, [redacted] ***CarFinance CapitalOffice of the President

October 18, [redacted] *** RE: Revdex.com Complaint – [redacted] Account Number – [redacted] Dear [redacted] , Thank you for bringing your concerns to the surface through the Revdex.com on 07/07/CarFinance strives to deliver excellent service to every customerCarFinance would like to apologize for the inconvenience you had to endureWe at CarFinance take every complaint seriously and this matter has been forwarded to the Office of the PresidentPlease be advised that we do not hold checks when they are receivedOur payment processing office processes payments the same day they are receivedIn your complaint, it was stated we have not processed a payment that was sent out on 8/1/Please be advised we had processed that payment on 8/6/16, check number [redacted] We have also received a $1,payment on 10/12/16, check number [redacted] In regards to late charges, there are none on the accountAlso, be advised that since you are in the state of Ohio, per Ohio state law, finance companies are required to collect on any late fees that an account is due for when a payment is madeThis was advised to you in our first response back in JulyWe have also offered to you other payment options (automatic monthly payments via our website) to assist you in alleviating future late fees/late payments on your accountIn the complaint, you have also mentioned correcting your credit reportWe are required to report correct and accurate reports to the credit bureaus, and your account has been reporting correctly If you have any additional questions or concerns during this time, please feel free to contact Customer Service at [redacted] or via email at [redacted] Thank you, [redacted] ***Office of the PresidentCarFinance Capital a Flagship Credit Company

October 24, [redacted] *** RE: Revdex.com Complaint – [redacted] Account Number – [redacted] Dear [redacted] ***, Thank you for bringing your concerns to the surface through the Revdex.com on 10/20/CarFinance strives to deliver excellent service to every customerCarFinance would like to apologize for the inconvenience you had to endureWe at CarFinance take every complaint seriously and this matter has been forwarded to the Office of the PresidentThis letter is to advise you that we have submitted a request to the credit bureaus to show the loan as closed and paid in full with a zero balanceOnce again, we apologize for the inconvenience that this may have caused If you have any additional questions or concerns during this time, please feel free to contact Customer Service at [redacted] or via email at [redacted] Thank you, [redacted] ***Office of the PresidentCarFinance Capital a Flagship Credit Company

February 19, [redacted] RE: Revdex.com Complaint – [redacted] Account Number – [redacted] Dear [redacted] ***, Thank you for bringing your concerns to the surface through the Revdex.com on 02/08/CarFinance strives to deliver excellent service to every customerCarFinance would like to apologize for the inconvenience you had to endureWe at CarFinance take every complaint seriously and this matter has been forwarded to the Office of the PresidentYour account is currently under maintenance and will be fixed over the weekend Upon our investigation, it was determined that the issues occurred when you requested to have a payment reapplied directly to principalTo better explain, this was after you made a payment on January 7, of $5,The loan balance after the payment posted to the account was at $5,When the request was made to reapply $5,directly to principal, there was a minor error upon its completionThe system did not take out the $5,from the original $5,paymentWhat that means to you is that you were accidently credited $5, This would be the reason you will have a remaining balance on the accountWhen you called for an updated payoff quote on January 15th, we were not aware of the error which made your account have an incorrect payoffWe would ask that you please allow until Monday to have updated payoff information We do apologize for any issues this might have caused but please understand we are working diligently to update your account correctly If you have any further questions or concerns, please feel free to contact our Customer Service department at [redacted] Thank you, [redacted] CarFinance Capital Office of the President

April 2, [redacted] RE: Revdex.com Complaint – [redacted] Account Number - [redacted] Dear [redacted] , Thank you for your response in regards to your complaint The website will still show a payment is due even when the account is closed/paid in fullThis is a system error that we have been looking into to get resolved for our customersPlease be advised that your loan is paid in full with a zero balance as shown in the payment history that we have sent to your email on 03/30/On April 10, 2015, we will send to you an Account Paid in Full letter via email that will state that your account is closed and paid in full on our company letterhead If there is anything else we may assist you with, please feel free to contact us at [redacted] or via email at [redacted] Thank you, [redacted] CarFinance Capital Office of the President

July 1, [redacted] ***RE: Revdex.com Complaint – [redacted] Account Number - [redacted] Dear [redacted] ,Thank you for bringing your concerns to the surface through the BetterBusiness Bureau on 06/30/CarFinance strives to deliver excellent serviceto every customerCarFinance would like to apologize for the inconvenience youhad to endure surrounding your accountWe at CarFinance take every complaint seriously and this matter hasbeen forwarded to the Office of the PresidentWe have forwarded your accountover to our collections management team for them to assist you in your request.However, due to regulation polices, we are unable implement any payments orpayment arrangements via emailWe ask that you contact us directly at [redacted] , and you may ask tospeak with a Supervisor in the Collections Department to set up paymentarrangementsIn your complaint, you also mentioned refinancing your loan withCarFinance CapitalAt this time, CarFinance Capital does not refinance ourcurrent existing loansThis is something that we are looking into and maychange in the futureIf there is anything else we may assist you with, please do nothesitate to contact us at [redacted] Thank you, [redacted] ***CarFinance CapitalOffice of the President

June 13, [redacted] *** RE: Revdex.com Complaint – [redacted] Application ID – [redacted] Dear [redacted] , Thank you for bringing your concerns to the surface through the Revdex.com on 06/08/CarFinance strives to deliver excellent service to every customerCarFinance would like to apologize for the inconvenience you had to endureWe at CarFinance take every complaint seriously and this matter has been forwarded to the Office of the PresidentWhile we understand that your preferred method of contact is email, there are still some processes/further verification that need to be completed over the phoneIf you would like to continue with the process, please feel free to contact us back at [redacted] , and reference your Application IDIn regards to removing the inquiry, unfortunately we are unable to do soSince this is a valid inquiry/valid application, it will remain If you have any additional questions or concerns during this time, please feel free to contact our Sales Team at [redacted] Thank you, [redacted] ***Office of the PresidentCarFinance Capital a Flagship Credit Company

June 10, [redacted] RE: Revdex.com Complaint – [redacted] Account Number - [redacted] Dear [redacted] , Thank you for bringing your concerns to the surface through the Better Business Bureau on 06/10/CarFinance strives to deliver excellent service to every customerCarFinance would like to apologize for the inconvenience you had to endure surrounding your account We at CarFinance take every complaint seriously and this matter has been forwarded to the Office of the PresidentWe have already contacted you over the phone to discuss the complaint To recap our conversation: We have agreed to waive the late fee that was assessed on your accountWe also advised you that since your account is a [redacted] re-finance, the late fee is assessed on the 8th day it is past due, not We have also suggested that you send over a copy of the bill pay check that shows it was received on 5/31/so that we may forward it to our accounting department to back date for you If you have any additional questions or concerns, please feel free to contact our Customer Service Department at [redacted] or via email at [redacted] Thank you, [redacted] CarFinance Capital Office of the President

June 11, [redacted] ***RE: Revdex.com Complaint – [redacted] Account Number – [redacted] Dear [redacted] ,Thank you for bringing your concerns to the surface through the BetterBusiness Bureau on 06/09/CarFinance strives to deliver excellent serviceto every customerCarFinance would like to apologize for the inconvenience youhad to endure.We at CarFinance take every complaint seriously and this matter hasbeen forwarded to the Office of the PresidentSince the payment that was inputinto the payment system was not honored, your account with CarFinance wasassessed a $payment return feeIn your complaint, you stated that it wasyour bank that put a freeze on your bank accountYou will need to contact themin regards to the fee that was assessed, since we (CarFinance Capital) are notat faultIf you have any questions or concerns, please contact our CustomerService Department at [redacted] Thank you, [redacted] ***CarFinance CapitalOffice of the President

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] ***

December 8, [redacted] ***RE: Revdex.com Complaint – [redacted] Account Number – N/ADear [redacted] ,Thank you for your responseSince we received your application from [redacted] electronically, you will need to contact [redacted] for the original online authorization that was providedAt this time, we do not have sufficient information to determine whether the application in question is fraudulent or notIf you believe you are a victim of identity theft, please notify the credit bureau as soon as possible and visit the Federal Trade Commission’s website for more assistanceThank you, [redacted] ***CarFinance CapitalOffice of the President

March 18, [redacted] , [redacted] *** RE: Revdex.com Complaint – [redacted] Account Number – [redacted] Dear [redacted] , Thank you for bringing your concerns to the surface through the Revdex.com on 03/17/CarFinance strives to deliver excellent service to every customerCarFinance would like to apologize for the inconvenience you had to endureWe at CarFinance take every complaint seriously and this matter has been forwarded to the Office of the PresidentWe have temporarily placed a week Cease and Desist request on your accountPlease be advised for future reference, cease and desist requests will need to be submitted to us in writingYou may also email us the request, but will need your physical signature on the request for it be processedIn regards to the repossession statement, the supervisor was advising you that if the January payment was not made by the end of March, the account would reach days past dueOnce an account is days past due, the account is then put into repossession statusPlease be advised at this time your account is not in repossession status, and the remainder of your January payment has been madeThe account is now days past due for the February 1st paymentIn regards to the late fees, we will not be crediting them back to your accountIf they were assessed in error, we would, but they were assessed appropriatelyLate fees on your account are assessed once an account is days past duePlease keep in mind we assisted you with a month extension in December to cover the November and December paymentOnce your account was due for the January 1st payment, we started calling you on January 6, 2016, but with no successWe did not hear from you for the whole month of JanuaryWe didn’t hear from you until February 23, 2016, when you called in wanting to make a payment for $260, but then refused to pay it because we (CarFinance Capital) would not waive the processing feeThe processing fee is charged by our payment processer, it is not our feeThis is not CarFinance Capital refusing to accept your paymentThere are a number of other ways to make the payment that does not involve a processing feeYou can mail in a check or also go through your bank’s bill pay programOnce the account is brought current, you may also set up the account for automatic payments through the website for no processing feeIf you have any additional questions or concerns, please feel free to contact our Customer Service Department at [redacted] Thank you, CarFinance CapitalOffice of the President