July 29th 2015 From *** *** - Reliable Auto SalesRe: *** ** *** - Lin I have a buy here pay her lot in this city and people came in to purchase Lincoln in 8, Both parties wanted on contract as buyer + co - buyerThe co buyer was the one that always came in to pay
the paymentThey started off being on time then gradually late every monthThe last payment they made was in March During 1st qth the co - buyers mother who was a reference they have given us came in to make a payment for them + told me that if they were ever very late to call herThat is when my wife who also works here with me called her, but she was not willing to help them anymoreWe called both parties several times a week and got no responseAfter months I tried him texting him (co - buyer) to try to get responseThen co buyer wanted to make partial payments but after so many tries we ask for the full amountThen no response so we sent for repoWhen repo arrived the co - buyer answered door + gave repo permission to get car then ask for car seat + few things for his childThen car is taken to storage and we give buyer + co buyer days to pick - up car paying all charges - repo, storage, late fee + past due amount.The title was never lostWe do not keep titles here at lotMy wife is also finance + when customer pays off it takes approxdays to get title on lot.They said they are together + had a baby together a few months after purchasing the car. *** ** ***
Reliable Auto Sales*** * * * *** *** *** *** *** ShamekaShameka
Complaint: [redacted]
I am rejecting this response because:I would expect a business of your caliber to have a computer and be able to send a professional response but instead theres writing on a piece of paper that I am unable to read. I also understand the dealership is trying to stress signatures but I have attached the documents and highlighted where you can see the Signatures are indeed different than mine and shows that Mr. [redacted] signed for the certified letter. This also shows where Mr [redacted]s phone number of [redacted] was written on the receipts of making payment in which that is the number that was contacted at all times about this vehicle. You will also see that the payments on the vehicle were made every 3rd Wednesday of the month as Mr [redacted] is on SSI and gets his payment on that day in which he called in EVERY MONTH and let them know. Also under the Fair Debt Collection Practices Act you can not, I repeat CANNOT, contact a reference and give out any account information on the account. You can only do so to get an address, phone number of place of employment. I will be contacting the state attorney general’s office, the Consumer Financial Protection Bureau and/or the Federal Trade Commission to report this issue also. I have tried to solve this situation through here but it does not seem the dealership is will to work with me in any form or fashion. The only thing I am requesting is to have this debt reported to Mr. [redacted] and not I.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: It does not matter if at the time someone tells you they have a child together or not which was never disclosed this is an assumption since he took the car seat out of the car. Also again as you stated that was at the time and I stated in my original complaint we are no longer together. I have not received any phone calls from the phone number listed on this note attached nor have I received any voice mails. For the co buyers mother to be contacted in anyway shape or form is not the proper policy as she is not listed as some one to give information to regardless if SHE said to call her. The buyer nor did the co buyer express wishes for her to be contacted. A letter was also sent to my old address as I do not reside with the co-buyer from this dealership from this complaint. In the letter they stated that I signed the certified letter when it came to the house. The co buyer signed a letter with his own signature which can be seen on the receipt and my name is on the letter. My direct phone number to my work desk was also listed as a contact number this was not called. My father was listed as a contact to get in touch with me he also was not called. But this dealership contacted the co buyers mother and released information about the account without written consent or without my knowledge. I believe their business practices to be very shady, let alone when the co buyer did go to get the remainder of his items out of the car 1. it took them 3 days to get it from the repo agent 2. the 10 days were not even up before they had the car back on the lot for sale. There was to be 10 days from the receipt of the letter not 10 days from the day you wrote it out. This would mean I would have had until the 31st to make the payment in full. Again all of their practices did not include me the primary buyer of the vehicle. They sent me a letter saying I signed 2 forms when indeed only signed one of them and no where did I sign for a random person to come in and tell them to call her if her child did not make a car payment. The payments on this car were indeed late every month but this was something that was worked out with whom ever was on the phone as the co buyer receives SSI and only gets his funds on the 3 Wednesday of each month. This "finance" lady is the one whom informed the title would take a few months to get since they had to some problems and she would have to talk to her husband. I don't believe any of this should be reported to my credit report as I WAS NEVER CONTACTED or attempted to be contacted. I believe their practices to be very shady and a way to work over people in a military town. Since I was never contacted I was never given the chance to catch up on payments or to make arrangements to pay it nothing. I was left in the dark by a "dishonest" dealership whom took advantage of me.
Regards,
[redacted]
To Whom it May Concern,I am trying to understand why we have to keep writing these letters back and forth through Revdex.com. The number one problem is that [redacted] + [redacted]l purched the car together. He came in to our office 75% of the time to make payments. If they had paid the payments all the way to the end we would not be having this problem, then the car would not have been repoed + after we repoed the car we also send certfied letter to let them know they had 10 days from the date of our letterto come in and pay the total amount.The reference sheet they filled out had his mothers name + number + that is why we get refences so we can try to find our customers who is not paying. Miss [redacted] refers to [redacted]l as Co-buyer but we are sending copy of contract to show both names were buyers + responsbile for the payments also as of date 8-13-15 the car has not been on our lot for sale. By law since they did not reclaim the car I have the right to sell the car. Also the recepit of the letter was returned with both signatures.Once when [redacted]l called and wanted to setlle the issue, he wanted to set up a payment plan, but we said no because they did not keep the former arrangements.She keeps saying she was not contact but it is their responsilbity to call us. If she would talk to [redacted] he could tell her I called [redacted] numerous times and he answered the phone. If they did not communicate then that is their problem. I think I've said enough. I have been in Killen since 1961 + I am know all over this area as a honest car dealer + we are not a shady busseiness. They caused the problem not us.Regards,Reliable Auto Sales[redacted]
July 29th 2015 From *** *** - Reliable Auto SalesRe: *** ** *** - Lin I have a buy here pay her lot in this city and people came in to purchase Lincoln in 8, Both parties wanted on contract as buyer + co - buyerThe co buyer was the one that always came in to pay
the paymentThey started off being on time then gradually late every monthThe last payment they made was in March During 1st qth the co - buyers mother who was a reference they have given us came in to make a payment for them + told me that if they were ever very late to call herThat is when my wife who also works here with me called her, but she was not willing to help them anymoreWe called both parties several times a week and got no responseAfter months I tried him texting him (co - buyer) to try to get responseThen co buyer wanted to make partial payments but after so many tries we ask for the full amountThen no response so we sent for repoWhen repo arrived the co - buyer answered door + gave repo permission to get car then ask for car seat + few things for his childThen car is taken to storage and we give buyer + co buyer days to pick - up car paying all charges - repo, storage, late fee + past due amount.The title was never lostWe do not keep titles here at lotMy wife is also finance + when customer pays off it takes approxdays to get title on lot.They said they are together + had a baby together a few months after purchasing the car. *** ** ***
Reliable Auto Sales*** * * * *** *** *** *** *** ShamekaShameka
Complaint: [redacted]
I am rejecting this response because:I would expect a business of your caliber to have a computer and be able to send a professional response but instead theres writing on a piece of paper that I am unable to read. I also understand the dealership is trying to stress signatures but I have attached the documents and highlighted where you can see the Signatures are indeed different than mine and shows that Mr. [redacted] signed for the certified letter. This also shows where Mr [redacted]s phone number of [redacted] was written on the receipts of making payment in which that is the number that was contacted at all times about this vehicle. You will also see that the payments on the vehicle were made every 3rd Wednesday of the month as Mr [redacted] is on SSI and gets his payment on that day in which he called in EVERY MONTH and let them know. Also under the Fair Debt Collection Practices Act you can not, I repeat CANNOT, contact a reference and give out any account information on the account. You can only do so to get an address, phone number of place of employment. I will be contacting the state attorney general’s office, the Consumer Financial Protection Bureau and/or the Federal Trade Commission to report this issue also. I have tried to solve this situation through here but it does not seem the dealership is will to work with me in any form or fashion. The only thing I am requesting is to have this debt reported to Mr. [redacted] and not I.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: It does not matter if at the time someone tells you they have a child together or not which was never disclosed this is an assumption since he took the car seat out of the car. Also again as you stated that was at the time and I stated in my original complaint we are no longer together. I have not received any phone calls from the phone number listed on this note attached nor have I received any voice mails. For the co buyers mother to be contacted in anyway shape or form is not the proper policy as she is not listed as some one to give information to regardless if SHE said to call her. The buyer nor did the co buyer express wishes for her to be contacted. A letter was also sent to my old address as I do not reside with the co-buyer from this dealership from this complaint. In the letter they stated that I signed the certified letter when it came to the house. The co buyer signed a letter with his own signature which can be seen on the receipt and my name is on the letter. My direct phone number to my work desk was also listed as a contact number this was not called. My father was listed as a contact to get in touch with me he also was not called. But this dealership contacted the co buyers mother and released information about the account without written consent or without my knowledge. I believe their business practices to be very shady, let alone when the co buyer did go to get the remainder of his items out of the car 1. it took them 3 days to get it from the repo agent 2. the 10 days were not even up before they had the car back on the lot for sale. There was to be 10 days from the receipt of the letter not 10 days from the day you wrote it out. This would mean I would have had until the 31st to make the payment in full. Again all of their practices did not include me the primary buyer of the vehicle. They sent me a letter saying I signed 2 forms when indeed only signed one of them and no where did I sign for a random person to come in and tell them to call her if her child did not make a car payment. The payments on this car were indeed late every month but this was something that was worked out with whom ever was on the phone as the co buyer receives SSI and only gets his funds on the 3 Wednesday of each month. This "finance" lady is the one whom informed the title would take a few months to get since they had to some problems and she would have to talk to her husband. I don't believe any of this should be reported to my credit report as I WAS NEVER CONTACTED or attempted to be contacted. I believe their practices to be very shady and a way to work over people in a military town. Since I was never contacted I was never given the chance to catch up on payments or to make arrangements to pay it nothing. I was left in the dark by a "dishonest" dealership whom took advantage of me.
Regards,
[redacted]
To Whom it May Concern,I am trying to understand why we have to keep writing these letters back and forth through Revdex.com. The number one problem is that [redacted] + [redacted]l purched the car together. He came in to our office 75% of the time to make payments. If they had paid the payments all the way to the end we would not be having this problem, then the car would not have been repoed + after we repoed the car we also send certfied letter to let them know they had 10 days from the date of our letterto come in and pay the total amount.The reference sheet they filled out had his mothers name + number + that is why we get refences so we can try to find our customers who is not paying. Miss [redacted] refers to [redacted]l as Co-buyer but we are sending copy of contract to show both names were buyers + responsbile for the payments also as of date 8-13-15 the car has not been on our lot for sale. By law since they did not reclaim the car I have the right to sell the car. Also the recepit of the letter was returned with both signatures.Once when [redacted]l called and wanted to setlle the issue, he wanted to set up a payment plan, but we said no because they did not keep the former arrangements.She keeps saying she was not contact but it is their responsilbity to call us. If she would talk to [redacted] he could tell her I called [redacted] numerous times and he answered the phone. If they did not communicate then that is their problem. I think I've said enough. I have been in Killen since 1961 + I am know all over this area as a honest car dealer + we are not a shady busseiness. They caused the problem not us.Regards,Reliable Auto Sales[redacted]