Carfinance.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
To the best of my knowledge I have not approved your organization, any person associated with your organization, to make such an inquiryThis violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by ConsumerI also demand that you remove my personal information from your recordsPlease send written confirmation that you have complied
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
After making this company aware the account showing there name on my credit report s fraduently open using my identying information.The company send the information to some other company namely *** sent a contract from a representative name *** *.Refering me to some dealership I'm not aware what I suppose to do when the employee isn't working there anymoreThe loan need to be taken from my name .This account need to be removed from my name and credit file
Regards,
*** ***

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

January 20, *** *** *** *** ***
*** ** ***
*** *** *** * ***
*** *** * *** Dear *** ***, While we understand your concerns in regards to the late marks assessed on your credit report, they were not assessed in errorWe are not required to notify our customers when the account has become delinquentIt is the customer’s responsibility to maintain the current status of an account, not the insurance companyAs we have stated in our previous response, we continued to send you monthly statements advising of the past due balance on your loanStill to this date, no payment has been received by you, and your account is currently past due for the 10/24/payment Thank you, Office of the President CarFinance Capital a Flagship Credit Company

We appreciate your bringing this matter to our attention. As *** Credit Acceptance, LLC (“***”) highly values its customers; it takes each complaint very seriously and welcomes the opportunity to assist its customers as effectively as possible. In an effort to provide quality service, *** has completed a thorough investigation of the customer’s complaint and a written response will be sent directly to the customer. *** asks that the customer allow sufficient time for delivery and upon receipt should there be any further questions, we ask the customer to contact us directly at the information provided in our written response

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

*** ***,
Thank you for bringing your
concerns to the surface through the Revdex.comCarFinance strives
to deliver excellent service to each and every customer
We at CarFinance take every complaint
seriously and this matter has been
forwarded to the office of the
president. With that said, management has been involved and we have
addressed your complaint with the party involved
As documented in your Revdex.com
complaint, you expressed dissatisfaction when asking for a payoff quote for your loan. As a
consumer, you have every right to request the payoff amount for your loan and
we would like another opportunity to provide such information. In an attempt
to keep your information private, we would like that you please contact us at
your convenience. We can be reached at 1-800-900-
We apologize for any inconvenience
this may have caused, and we look forward to hearing from you and being able to
provide the payoff quote along with any additional information you might need.
Thank you,
*** ***
CarFinance Capital

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I never authorized *** *** or your company to pull my credit report. Federal law prohibits you from inquiring about my credit history without a) being an existing creditor with a lawful interest, and without my written authorization otherwise. I have pursued an amicable resolution of this issue, yet the problem remainsWithin ten (10) calendar days from receipt of this letter, provide me with a photocopied authorization form, bearing my signature, which authorized your inquiry into my credit file. If I do not receive same on or by the aforesaid time, I will commence legal action against youA copy of the suit, completed but not yet filed, is attached hereto for your referenceI reserve the right to amend such action, at any time and without further notice to you, to include damages not limited to defamation of character and humiliation."
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Problem: I have contacted this company via phone several times over the past few months in an attempt to get caught up on my auto loanEverytime I call I try to make a payment with a rep, I get forced to hold for several minutes at a time, then a very rude rep comes to the line and ensues an argument with me over the account being past dueI am more than aware that it is past due as they have called me several times after I told them to cease and desist communications to my cell, they have continued to call after that, call references, relatives, anyone and everyone after told wrong numbersVery much harassing to myself and those around meI was successful at making a one time payment for $today over the phone but it did not come easy, *** with CarFinance that said he was a manager, stated to me he was refusing to take my January payment on my account that is lateHe then threatened me with reposession of my vehicle even after I told him I am struggling to get caught up and should be by mid-AprilThis is unbelievable that these people just start arguments with customers and refuse to take payments over the phoneAbsolutely ridiculousPlease do something about this because it should be illegal between the constant harassment and the terrible serviceTheir system online doesn't allow payments to be made for late payments, rather the total past due; so people are forced to call in, get chewed out, get talked down on, I was told by *** that I was "Not a model customer." Absolutely sickening to be talked to like a drug-addict killer on the phone while I am desperately trying to work out an arrangement.Desired Outcome: I want those to be held liable for the terrible treatment of myselfI want my late fees for the past three months to be credited to my account since I tried to make the payments several times and it was either refused or the rep would change the subject away from the payment just so they could yell at meThis loan is going to get refinanced soon, I wouldn't wish anyone to deal with this company everWhat a chop-shop of a lending institution
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I was not happy with the results because they still did not tell me if the balance is all from interest that has added up over the past few months of me trying to get the gap insurance to pay and now they tell me I do not have gap insurance and the payment I did get from the gap insurance is going to be refunded making my balance higher nowI ask him to remove the negative remarks on the credit bureau and he told me he could not do thatThey could remove those remarks as I do not feel this is all my faultThere is a lot of lack of communication on their partI have never had a car before that was a total loss and was in the dark about how everything workedI feel like I made every payment on time and when the accident happened I assumed the insurance would pay, then gap insurance would pick up and that would be itInstead I had to beg Car finance for documents to send to the gap insurance and then to find out they are refunding them the money I finally got them to pay is something else that makes no senseI think they could have removed the negative remarks and not let interest build up since I was such a good customer and made every payment on time until all the accident happended and I did not know I would have to owe anythingThere is a lot of lack of communication from car financeI emailed several times and ask for information with no response because they were closed by the time I got off workI think they could work with their customers better and would not recommend anyone going through this company to buy or refiance a car
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
As you stated, you have previously waived a late fee and for this I am grateful, however, when I was approved to put a payment at the end of my loan to help me catch up with my account, your office told me that if I paid two of the three car payments I was behind, the third payment would be put to the end of the loan and the account would be current There was no discussion of late fees not being included I was never told that there would be a remaining balance and therefore the they were not paid So my issue is two fold, first, the late fees should not exist on the account in the first place and second, you should not be charging late fees on late fees and then take the late fees out of my principal payment and charge me late fees because my payment wasn't paid in full My payment have been paid in full and have not been late since December, therefore no late fees should be assessedPlease clear up this matter immediately or I will advance the complaint to the next level and begin the process of an investigation of your company's business practices I am not opposed to going to the media
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below California Law IMPOUNDS a vehicle driven by a non licensed driver for daysNow the key word here is impounded, not repossessedCar finance took their own action by taking the car to hold in an auction facility, where we got no belongings back when we received the vehicleAfter paying the ridiculous amount of money to get the car back from impound and all fees that applied, there was no talk about a repossessionIt’s uncanny to me that a impound turned into a repossessionRepossession is a non payment or late payment which is understandableMy point is the vehicle was IMPOUNDEDPlease take the wrongful repossession off of our credit reports
Regards,
*** ***

We appreciate your bringing this matter to our attention. As Flagship Credit Acceptance, LLC (“Flagship”) highly values its customers; it takes each complaint very seriously and welcomes the opportunity to assist its customers as effectively as possible. In an effort to provide quality
service, Flagship is in the process of completing a thorough investigation of the customer’s complaint and a written response will be sent directly to the customer. Flagship asks that the customer allow sufficient time for delivery and upon receipt should there be any further questions, we ask the customer to contact us directly at the information provided in our written response

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
They left a number for me to call with a reference number on that replyIt's hard to get someone on the phone, but I have reference #I've been intending to call them backAnyway, they haven't tried to call me though
Regards,
*** ***

September 4, 2015[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 09/03/2015. CarFinance strives to deliver...

excellent serviceto every customer. CarFinance would like to apologize for the inconvenience youhad to endure surrounding your account. We at CarFinance take every complaint seriously and this matter hasbeen forwarded to the Office of the President. We have reviewed your account,and our system has already waived the $26.91 late fee from your account on09/01/2015. As to why the representative you spoke with did not advise you ofthis waiver, we are not sure why. Please be reassured that we will take this asa training opportunity for the team to ensure that we are providing ourcustomers accurate information in regards to their accounts. We have alsosubmitted a request to get a copy of your payment history sent to your email(that was provided in the complaint) so you may see that the fee indeed hasbeen waived. If you have any additional questions or concerns, please feel free tocontact our Customer Service Department at [redacted]or via email 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.
Hello,I did speak to [redacted] this morning. Getting my vehicle back was solved but not my other issue. I also stated the issue with the REPO on my Credit Report. I was never late and have always made my payments on time. After speaking to Impound Supervisors, Finance Coordinator and an Attorney I was informed that should not have happened especially since my account was and is current. 
Regards,
[redacted]

April 13, 2016 [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 04/07/2016....

CarFinance strives to deliver excellent service to every customer. CarFinance 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 President. This response is to advise you that we have contacted you on 04/12/2016 and discussed the complaint over the phone. We have reviewed your complaint and we will be approving you for the one month extension that was requested. We will be sending you an extension document via email that will need to be signed and sent back to us to complete the process. If you have any additional questions or concerns, please feel free to contact Customer Service at [redacted]. Thank you, [redacted] CarFinance Capital Office of the President

May 6, 2015
 
[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 05/05/2015. CarFinance strives to deliver
excellent service to every customer. CarFinance 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
President. In regards to your complaint, we are unable to determine if this
account has been opened fraudulently. We have in our system a copy of the
signed contract and credit application that bears your signature. Our records
also indicate that we have completed a Welcome Call to you on 4/10/2013. This
welcome call first and foremost welcomed you to CarFinance Capital, as well as
discussing the loan details and going over the different payment options. If
you would like a copy of the signed contract, you are more than welcome to
contact our Customer Service Department at [redacted]
or via email at [redacted].
 
 
Thank you,
 
[redacted]
CarFinance Capital
Office of the President

December 17, 2014
 
[redacted]...

[redacted]                                   ...⇄                                                                                      ...⇄ [redacted]                                                                                                                                                              ...⇄ />  
RE:  Revdex.com Complaint
Thank you for bringing your concerns to the surface through
the Revdex.com. CarFinance 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 review. Management 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