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 do not except this response, because in the initial contact that was sent by Car Finance.com they already new the value of my vehicle and after obtaining more information I was sent an email from [redacted], Vice Presidet of operations that stated "Congratulations [redacted]. your loan application has been approved!"  After receiving the email, I then called and was told again that, I had been approved.  I feel that they obtained all of my personal information and at the same time they were giving me false information.  Car Finance.com has put me in a tough spot, and it seems they can to this to anyone and just say "We're Sorry"  they did simply did not deliver on any of the promises they made.
Regards,
[redacted]

February 26, 2016 [redacted] RE: Revdex.com Complaint – [redacted] Account Number – N/A Dear [redacted], Thank you for bringing your concerns to the surface through the Revdex.com on 02/25/2016. 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 looked into the application that was received, and we have received an application from [redacted] is a third party company that we work with. [redacted] assists customers that are interested in financing an auto loan, so they will send out your application to all the finance companies that they work with, to find you the best deal. If you would like more information in regards to this application, please contact our Sales Team at [redacted] and the Reference Number is: [redacted]. 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]

June 10, 2015
 
[redacted]
[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 06/10/2015. 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. We 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 account. We 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 10. We have also suggested that you send over a copy of the bill
pay check that shows it was received on 5/31/2015 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

March 31, 2015
 
[redacted]
[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 03/27/2015. 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 account
status, the account is being shown as closed/paid in full as of 03/27/2015. Both
payoff checks have been backdated to 03/26/2015 since that is the date our
Lockbox shows it was received. However, if you are able to provide appropriate
documents showing that the checks were indeed received on 3/18/2015, please
forward that information over to our Customer Service Department ([redacted]
or Fax: [redacted]) so we may get this corrected for you.  
 
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 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 8 pm my time. I am either in bed or almost ready for bed calling before 5 pm my time worksworks best. [redacted] has called me today. Also please note I also made same day attempts at call backs where customer service advised he would call back that happened but almost 8 pm in the evening. Regards,
[redacted]

April 2, 2015
 
[redacted] [redacted]
 
RE: Revdex.com Complaint – [redacted]
Account Number - [redacted]
 
 
Dear [redacted] [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 full. This is a system error that we have been looking into to
get resolved for our customers. Please 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 03/30/2015. 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

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.
Problem: I currently have an auto loan financed through CarFinance, I fell into a severe financial hardship and am approaching 60 days late on my payments. I called CarFinance today at [redacted]. I prompted through the directories by SSN and got to a male agent. The male collections rep was NOT friendly by any means. I understand collections, its what I do now and i've been in the business for more than half of my adult career. I tried to explain my situation but this man kept interrupting and telling me to make the payment. I told him I tried yesterday online to make a payment, but their system rejected it stating I have to pay at least $580.?? as a minimum. I was unable to make the payment and utilized the funds for another bill. The agent kept stating I am in violation of my contract over and over, and that "they can come pick it up whenever." I asked the agent what is the cutoff date for the car to be repossed, the agent refused to give me a date, he said there is no date. I told him there has to be, as a company wouldn't allow a 5-figure debt to be decided by an hourly collections rep, I advised him it simply cannot be just random. Again the agent refused a date and said I am approaching 3 months late, or in my opinion 61 days on Tuesday. Since the agent was refusing to provide me with an answer to the question, I asked for his manager. He REFUSED. He kept repeating (while interrupting me) "I AM THE ACCOUNT MANAGER." I advised him I understand collections and inbound calls quite well, but I want to talk to his office supervisor, he advised me there is no one there and I can only talk to him, I told him that is unacceptable. I advised him I want a callback Monday, he said he'd call me, I told him I NEVER want another call from him or to never talk to him again, as he is RUDE, DISRESPECTFUL, and VERY UNFRIENDLY. He kept saying he would still call me Monday. Kept asking for the payment, I asked for a manager call back and the agent HUNG UP ON ME!!!Desired Outcome: I want a contact from the CEO of CarFinance, or an executive-type member that understands federal harassment laws, and collections practices laws. I WANT that phone call reviewed that began at 12:07pm CST 11-28-2015 and lasted roughly 9 minutes. I want to know this agent will never treat another customer like he treated me. I also want them to cease all collections from agents on his level, and only want to be contacted by real customer service reps that will not lie to me and hang up on me. I want to pay this down and get it taken care of, getting hung up on won't allow me to do that. I want to know the policy on vehicle repossession, along with a payoff quote dated 1/31/2016, Thank You.
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.
Regards,
[redacted]

July 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 06/30/2015. 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 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 email. We ask that you contact us directly at [redacted], and you may ask tospeak with a Supervisor in the Collections Department to set up paymentarrangements. In your complaint, you also mentioned refinancing your loan withCarFinance Capital. At this time, CarFinance Capital does not refinance ourcurrent existing loans. This is something that we are looking into and maychange in the future. If 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

July 14, 2016   [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 07/12/2016. 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. In regards to the credit inquiry, we have received a credit application from [redacted] is a third party broker that we have a relationship with. What they do is they assist individuals that are looking to either finance or refinance an auto loan. Just like a dealership, they will send your credit application to all finance companies they work with in an attempt to find you the best auto loan.   If you have any additional questions or concerns during this time, please feel free to contact our Sales Team at [redacted] and reference the application ID listed above.     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 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]

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 the warranty cancellation check has been received and processed to youraccount yesterday (09/03/2015). Your account with us at CarFinance Capital nowhas a zero balance and is paid in full. We have already submitted a request tothe GAP company to get their refund check sent out to you. There will also be arefund for the difference from the warranty cancellation check as well. We sincerely apologize for the amount of time it took for us to receivethe cancellation check. Please be aware that once we submitted the request tothe dealership, we needed to wait for them to send us the check before we couldprocess anything else on your account. We do appreciate your patience throughthis time. If you have any additional questions or concerns, please feel freeto contact our Insurance Department at [redacted].Thank you,[redacted]CarFinance CapitalOffice of the President

Tell us why here...
January 19, 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 01/15/2016. 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. Your account has been forwarded to the department that handles Insurance/Gap claims. Based on the notes on your account, the supervisor of that department has been in contact with you and discussed your account.
If you have any further questions or concerns, please do not hesitate to contact us at [redacted] and ask to speak with the Insurance/Gap claim department to further assist you.
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]

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 have been in contact with [redacted] the customer service manager. We were waiting on the pending status to clear from wells fargo. I have been trying to reach [redacted] back regarding this since Friday 05/22/2015 and have left a message each day and just finished a few moments ago leaving a message as well. I would like a call back to attempt resolution today. Please ask [redacted] to call me during normal hours not at 8 pm my time I am in [redacted], Thanks. 
Regards,
[redacted]

July 12, 2016 [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 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. We have reviewed your account and please be advised of the following. A late fee is assessed once the account is ten (10) days past the due date. All of your payments have been received after the ten day period. If your bank has proof that we have received the payments earlier, please send over the appropriate documentation and we will back date the payments and reverse any late fees that may have accrued. In the meantime, please be advised that in the state of [redacted], it is [redacted] state law that anytime a payment is received on a loan, the late fees are required to be paid first. That is how the account has fallen behind. What happens is every time a payment is received, our system takes out the late fee out of your payment; and because the payments that are sent in do not include the late fee amount, the account has started to fall behind in March. Please keep in mind, this is the state law of [redacted], and as a finance company we do not have control of that. To bring the account completely current, the account is now due for a total amount of $841.38. That includes the past due amount for the May payment of $81.09, plus the June payment of $724.09, and a late fee for the June payment of $36.20.  In order to avoid this from happening in the future, we suggest that once the account has been brought current by paying the $841.38, that you sign up for recurring payments via our website at www.carfinance.com. On there, you will be able to set up your payment date, and your account will be credited with us for that date, that way, you will not have to worry about the account being past due. If you would like assistance with setting this up, please feel free to contact our customer service team and they will be more than happy to assist you with the setup.  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

I would like to pay my car payment without any late fees for this month. I attempted to pay my car payment for the month of October yesterday when I was being mistreated. It would be nice to have no car payment for this month due to their extremely poor customer service.

May 7, 2015 [redacted] [redacted] RE: Revdex.com Complaint –[redacted]Account Number - [redacted] Dear [redacted] [redacted],Thank you for bringing your concerns to the surface throughthe Revdex.com on 05/06/2015. CarFinance strives to...

deliverexcellent service to every customer. CarFinance would like to apologize for theinconvenience you had to endure surrounding your account. We at CarFinance take every complaint seriously and thismatter has been forwarded to the Office of thePresident. In regards to the missing payment, it has been located in oursystem. It was received and processed on 03/16/2015, but for reasons unknownwas not posted to your account. We have submitted an email over to ourAccounting Department to get the payment posted to your account. We will alsosubmit an update to the credit bureaus to remove the late marks on your creditreport. We ask that you allow about 72 hours for everything to be updatedaccordingly. If there is anything else that wemay assist you with, please do not hesitate to contact us [redacted] or via email at [redacted].Once again, we sincerely apologize for any inconvenience that this may havecaused.   Thank you,[redacted]CarFinance CapitalOffice of the President

February 19, 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 02/08/2016. 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. Your 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 principal. To better explain, this was after you made a payment on January 7, 2016 of $5,418.52. The loan balance after the payment posted to the account was at $5,615.03. When the request was made to reapply $5,000.00 directly to principal, there was a minor error upon its completion. The system did not take out the $5,000.00 from the original $5,418.52 payment. What that means to you is that you were accidently credited $5,000.00.  This would be the reason you will have a remaining balance on the account. When you called for an updated payoff quote on January 15th, we were not aware of the error which made your account have an incorrect payoff. We 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