Carfinance.com

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 just went on your website 4/1/2015 7:30pm and pulled up my account and it is still showing that my next due date is 06/25/2015. See photo attached. Just know that you are not dealing with a shallow uneducated individual so please don't insult my intelligence. 
Regards,
[redacted]

September 14, 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 09/11/2015. 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 reached out to ouraccounting department, and they state the check was sent out on 8/21/2015. Howeversince you have not yet received it, we have placed a stop payment on it and wewill get another check sent to you via UPS Overnight. The Tracking Number is [redacted]. If you happen toreceive the first check in the mail, please disregard it. The check will besent to the address that was provided in the Revdex.com complaint. If you have any additional questions or concerns, please contact us 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] 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.The next step should be obvious They admit getting information from another company who as you can see got it from another and another. I purchased my automobile through [redacted]. I had already made the purchase and had accepted delivery. Why one month later are these companies popping up out of nowhere. I clearly had no need of them at all. I want a written contract with my actual signature. I will take this up with civil court because there are so many companies that did a hard inquires. I have stated I am working with [redacted] to remove companies that cause these problems. This company needs to understand I am not going away and will fight until they all remove the information from my credit reportsRegards,[redacted]

June 1, 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 05/20/2015. 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. Upon looking at your account, wesee that as a courtesy we had waived the last late charge that was assessed onyour account. The account at this time is still due for a payment of $45 tobring it completely current. If you have any questions or concerns, please feel free to contactCustomer Service at [redacted].Thank you,[redacted]CarFinance CapitalOffice of the President

November 2, 2016   [redacted]   RE: Revdex.com Complaint – [redacted] Account Number – [redacted]     Dear [redacted],   An account does not only have to be past due for a repossession to take place. In the state of California, the vehicle may be repossessed when an account becomes past due by one (1) day. In your case, the vehicle was impounded by the police department because a misdemeanor crime was committed, which was a breach in the contract that was signed by you and Mr. [redacted]. on 11/02/2014. On the contract, page 2, number 2 section b. USING THE VEHICLE – you agree not to expose the vehicle to misuse, seizure, confiscation, or involuntary transfer.   Also note, per the Notice of Intent Letter that was sent out to you on 08/14/2015 via certified mail and was received/signed on 08/17/2015, it stated that the vehicle was repossessed on 08/13/2015, and you may NOT reinstate the contract because “the buyer has knowingly used the Vehicle, or has knowingly permitted it to be used, in connection with the commission of a criminal offense, other than an infraction, as a consequence of which the Vehicle has been seized by a federal, state or local agency.” Please keep in mind, we made an exception and ALLOWED you to reinstate the contract, instead of paying off the vehicle (which the Notice of Intent implied). The repossession mark will remain on the credit report as it was not assessed in error.     Thank you,   [redacted] Office of the President CarFinance Capital a Flagship Credit Company

September 14, 2015[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 response. This was the information that wassubmitted to us from [redacted] Lending. If you are needing the originalapplication, you will need to contact [redacted] directly for a copy of thatapplication. Thank you,[redacted]CarFinance Capital[redacted]

July 22, 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 07/17/2015. 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 at CarFinance Capital wouldlike to extend our sincere apologies on the treatment you have received whenspeaking to one our customer service representatives. The actions displayed weagree were uncalled for and extremely unprofessional. Please be advised thatthe representative’s supervisor has been made aware of the situation and theappropriate disciplinary action has been taken. Once again, we apologize forthe unprofessionalism and hope we may start over with a fresh businessrelationship with you. In regards to our website, yes it has been down for a few months. Whilewe understand this is a major inconvenience for our customers, our ITdepartment is wanting to ensure that all the updates and new options are doneproperly so everything will work efficiently and correctly once it isavailable. We do also want to advise you while during this time if you would liketo know any information on your account, you are more than welcome to contactour customer service team 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.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me as both checks were received.  I consider this complaint resolved.
Regards,
[redacted]

May 19, 2016 [redacted] [redacted] [redacted] RE: Revdex.com Complaint – [redacted]Account Number – [redacted]  Dear [redacted] [redacted],  Thank you for bringing your concerns to the surface through the Revdex.com on 05/14/2016....

CarFinance strives to deliver excellent service to every customer. CarFinance would like to apologize for the inconvenience you had to endure. We at CarFinance take every complaint seriously and this matter has been forwarded to the Office of the President. We have reviewed your account and we are unable to grant the extension request. Your account will not be eligible for an extension until 12 full payments have been made on the account. The representatives that initially submitted your request will be coached to ensure this does not happen again. We have also pulled the calls, and there was no mention on the calls that if a payment arrangement were set up, a late mark would not be assessed. The account was due for the 03/24/2016 payment, and it was not made in full until 05/02/2016 when the account was 39 days past due. The late mark will remain on the account.  As a courtesy, we have submitted a request to waive $100.00 of the late charges that are on the account, leaving only $61.86. Please allow 48-72 hours for that to be reflected on your account.  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

November 13, 2014
[redacted]                                                                      ...

                                                                                                                                                                                                                                                       [redacted] Rd.                                      �...⇄ [redacted], NC.  [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 wait time of a refund. 
Per the conversation you had with us from October 31, 2014 we                                       ...⇄ advised your
refund would be expected by the second week of November 2014.  As promised your refund was sent out on November
10, 2014 in the amount of $398.44.                                    ...⇄ This
was sent to you via UPS overnight and arrived to your home address on November 11,
2014.
We are confident we have addressed your concerns.  Should you need anything else please feel
free to contact us at 1-800-900-5150. 
Sincerely,
[redacted]                                                                                                                                                                                                                                                                                                                 CarFinance Capital

January 11, 2017   [redacted]
[redacted]   [redacted]
[redacted]     Dear [redacted],     Thank you for bringing your concerns to the surface through the Revdex.com on 01/04/2017....

CarFinance strives to deliver excellent service to every customer. CarFinance would like to apologize for the inconvenience you had to endure.   We at CarFinance take every complaint seriously and this matter has been forwarded to the Office of the President. We have reviewed your account, and determined that the late marks on your account are correct and will remain since they were not assessed in error. At the time of the accident (09/26/2016), your account was current and the next payment was due on 10/24/2016. On 10/25/2016, we had received the insurance check, and it was applied to your loan. In the case of any insurance claim, ALL proceeds received (insurance check, GAP refund) are applied ONLY to the Principal balance of the loan. The customer is still responsible for maintaining the account in good standing throughout this process. With that in mind, we have continued to send out monthly statements to the customer advising of the past due amount(s).   If you have any additional questions or concerns during this time, please feel free to contact Customer Service at 1-800-900-5150 or via email at [email protected].     Thank you,   [redacted] Office of the President CarFinance Capital a Flagship Credit Company

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 thank Carfinance.com for the quick response and helping to correct the mistake on my [redacted] credit report.  The account shows updated but the negative mark of charge off, fail to pay on October of 2015 remains.  Again this mark needs to be removed as it is incorrect. 
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.
I never submitted an application to [redacted] Lending. The other companies such as [redacted] admitte they had no receipt or knowledge of an actual application. This was simply an inquiry by [redacted] to input the amount of your current car loan and interest rate, then [redacted] Lending pops up and states they can lower it, but what they don't tell you is that they increase the loan term by 4 yrs. and when the same info is used your payment actually increases. The other companies have all issued a letter stating this was third party info they relied on and assumed I had filled out a credit app. If they do not want to do this, produce the credit app.
Regards,
[redacted]

October 18, 2016 [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 07/07/2016. CarFinance strives to deliver excellent service to every customer. CarFinance would like to apologize for the inconvenience you had to endure. We at CarFinance take every complaint seriously and this matter has been forwarded to the Office of the President. Please be advised that we do not hold checks when they are received. Our payment processing office processes payments the same day they are received. In your complaint, it was stated we have not processed a payment that was sent out on 8/1/16. Please be advised we had processed that payment on 8/6/16, check number [redacted]. We have also received a $1,400.00 payment on 10/12/16, check number [redacted]. In regards to late charges, there are none on the account. Also, 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 made. This was advised to you in our first response back in July. We 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 account. In the complaint, you have also mentioned correcting your credit report. We 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

January 13, 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 01/05/2015. 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. With that said, management hasbeen involved to address your complaint. While your account was under reviewwith the Office of the President, management has attempted to contact you on1/6/2015 at a phone number ending in [redacted]. A third party answered the call andstated they will take a message and have you contact us back. At this time, weare waiting for your call so we may further assist you. Please feel free tocontact us at ###-###-####.Thank you,[redacted]CarFinance CapitalOffice of the President

July 7, 2016 [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 07/06/2016. CarFinance strives to deliver excellent...

service to every customer. CarFinance would like to apologize for the inconvenience you had to endure. We at CarFinance take every complaint seriously and this matter has been forwarded to the Office of the President. We have reviewed your account and have reached out to our accounting department. We have been advised by them that the refund check of $104.76, check number [redacted] was processed and sent out on 07/01/2016. 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 President CarFinance Capital a Flagship Credit Company

[redacted]RE: Revdex.com Complaint – [redacted]Account Number - [redacted]Dear [redacted],We would like to thank you for your patience with us while we look
further into your account. We sincerely apologize for the inconvenience you
have endured during this time period. We believe we have found the error when
it comes to reporting the Discharge Bankruptcy Chapter 7 to the Credit Bureaus.
We have submitted an update to all 3 credit reporting agencies advising of the
correction. Once again we thank you for your patience during this process. If there
is anything else we may assist you with, please do not hesitate our Bankruptcy
Department at [redacted]. Thank you,[redacted]CarFinance CapitalOffice of the PresidentTell us why here...

Dear [redacted],
RE: Revdex.com Complaint
Thank you for bringing your concerns to the surface through the RevDex.com on 01/03/2015. 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. With that said, management has
been involved to address your complaint. While 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 not. You also
inquired on a refund of the processing charges for the check by phone. We are
unfortunately unable to reverse the processing fee. We have however, waived the
$10 late charge that was assessed to the loan. That has already been taken care
of. The two month extension request has also been submitted on the account and
will be on the account officially in about 48 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 you. If you have
any additional questions or concerns, please feel free to contact us at ###-###-####.
Thank you,[redacted]CarFinance Capital
Office of the President

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