Carolina Auto & Tire

that response was very generic and unapologeticIt's basically telling me that since the employees don't know how to do their jobs it's ok for them to harass me and be rudeAlso the website was down for over days and I was told in email by Paola that you didn't know when it would be back upAlso taking a payment without telling someone the amount due or that there is a fee or asking how much they want to pay isn't rightIf you look at my payment history I always pay more to get it done

We maintain our initial response, and will not respond further to this complaint

Your company has not once contacted me regarding the "non payment of monthly payments." When K spoke with Claudia and any representative from your company and stipulated I would make the large payments with the intent to pay in full in February that in itself constituted a verbal contract and is binding in the court of lawThe reason it is binding is because your company accepted the paymentsYou are not in anyway ever allowed to apply any consumers payments as you see fitI have been an outstanding customer paying what I owe and I have never not payed or trued Not to payThe fact is your company attempted to use intimidation tactics of which I am very familiar with being well versed in collections and accounts receivablesYour company is in direct violation of multiple fdcpa laws unless of course you don't believe these laws apply to your companyYou want to send a response attempting to negate my character, however the truth is your company attempted to play a game transferring me to multiple representatives and having multiple people on the phone calls at one time of which I never authorizedYour company also continued to contact me by email of which I stated is not the contact method preferredRather than attempting to rightfully resolve the situation your company attempted to extort from me when the fact is no mater how you add the payments up they would not equilateral that amountYou have done this in retaliation to my prior complaint and again could have been avoided with a phone callI have not asked for special treatment, I have requested what is allowable by the lawAnd legally when you accepted my payments which were made with an intent you agreed to the intent of those and future paymentsEssentially voiding any contract you claim to have of which was a monthly agreement

You did not hire a 3rd party You had a non branded vehicle show up to my house WITHOUT paperwork who then had the audacity to taunt me, swear at me and then lower my vehicle as though this is some joke This is absolutely the most unprofessional thing I have ever encountered They did not show up to repo my vehicle, they showed up to screw with me as though they were the Mexican Mafia - Which by the way YOU ARE NOT I disagree with your pathetic attempted statement I get that I am past due That is my issue and I am not passing the buck on that I am, however, pissed that you would send some employee's little cousin to bring a tow truck he just so happens to own to my house to illegally screw with me at midnight

The customer’s statement that the contract was for months is incorrect The contract shows payments starting 3-9- So far, payments have been made On both 5-30-and 6-30-the customer requested a deferment of payment, meaning that these two payments are put onto the end of the loan, plus accrued interest

I have documentation from autocheck stating the vehicle has frame damage & I am willing to make an appointment with someone to resolve this issue in person I will be in Arizona no later than 09/23/If someone would like to make an appointment with me & we can figure this out in person than I am fine with that

Thank you for informing us of the complaint filed by Ms [redacted] From our notes it appears that even as of today our team is working to address her concerns I unfortunately, and our company as far as I am aware, do not have a copy of the report Ms [redacted] has referenced demonstrating vehicle damage To clarify, we are a lender and not a vehicle dealer We are not part of disclosures, inspections of vehicles, or related items Further, it appears that at the time of the purchase the verification the dealer utilized did not demonstrate the referenced damage as indicated by Ms [redacted] I also ran a similar report today, and did not find information which would match the damage stated by Ms [redacted] There are contractual issues, in any event, that dictate exactly what each of the parties are responsible for, but that is not to say that we are unwilling to try and help and or inform to the best of our abilities our customers.With this said, I believe that the complaint is respectfully premature, in that we are actively attempting to assist the customer on an ongoing basis Presently an offered resolution cannot be presented at this timeBest Regards, Richard R***BHFC Financial Services Inc

Like I said I now have two reports indicating that the vehicle does not have a history as described I am happy to review your report so that I can see what you are seeing My email is [redacted] if you would like to send it to me I hope you understand that without understanding exactly what type of damage, and when the damage allegedly occurred, it is difficult to do a fair job of reviewing your complaint With that said, it is my understanding that this vehicle was sold as is Although it is not directly relevant to our company, I believe the dealer is required to disclose known prior damage, which from my review there is no indication that the alleged damage was known to them, and certainly not to us Again, we are a lender, and not the licensed vehicle dealer which sold you the vehicle I am sorry that you are frustrated, but I hope you can understand the distinction between a lender and a dealership in roles and responsibilities If you have complaints about the way we have performed as your lender, I believe this forum would be an appropriate venue to address those issues if they existed, rather then complaints about the vehicle condition which we did not sell you Nevertheless, I want to be helpful, but I am just not sure other than listen and fully review your concerns, I will be able to adequately resolve your complaint

I am sorry our offered resolution does not satisfy your complaint However, the offer is the only resolution we are able to offer you at this time We have no record which confirms any modification of the agreement as you have described We of course disagree with your perceptions of the present matter, but do wish you luck in future endeavors

We have reviewed your complaint Your contract calls for monthly payments You indicated that you made an agreement with us to make large payments in order to not make payments until February We find no record of this agreement, and would ask that you produce an agreement which would otherwise alter your requirement to make monthly payments Following the above minimum payments you made, you bounced two payments to us, of which I am sure you are aware In fact on or about October 6, we received an email identifying, “This payment is being sent back to my account and was an overdraft As I stated to the young lady Claudia yesterday, please do not charge my card for any payments any longer I have paid (sic) more than (sic) enough over the last two months to be given a brief hold until next month on any further payments.” The following month according to your very email would have fallen on November, but you did not make payments in November or DecemberWe are familiar with your calls, in which you were belligerent, and repeatedly cursed The final staff member who spoke to you, was attempting to send you to the legal department for a determination of what steps, if any, could be made to work out an alternative for you However, you cursed and hung up Our counsel made a call to you, but you did not answer from the numbers in the file The purpose of which was to work with you, and not to intimidate you as you allegeWe are willing to reinstate your loan for $1,000.00, which is less than the monthly payments you have missed We also expect that our customers treat our employees with respect and dignity Your depiction of the communications is totally false, and we are aware of the abusive language you used Irrespective of your decision to work out a deal to reinstate your loan, further abuse to our employees will not be tolerated

MrStory only made two payments on his auto loan The third payment was due on 11-4-2013, but was never made At the time of repossession, the customer was payments past due

We have already addressed by separate email on the 23rd of October these unfortunate comments by our customer First, an allegation of racism without foundation is completely offensive and outrageous; moreover, the customer's statement that racial discrimination would result due to a failure to make payments undermines those who have experienced actual prejudice in their lifetimes We pride ourselves based upon the multicultural makeup of our company, and the overwhelming majority of the contact experiences this customer has received were from our exceptional and hardworking minority staff members The correspondences the customer has received were based upon reminders exclusively to ensure compliance with the contractual relationship with us as a lender, and our customer as a borrower I am unaware of any drinking within the office during any new years; however, if our company chose to do that, it has nothing to do with this customer There is no offered resolution other than we will continue to follow the contract, and request that our customer simply repays the loan within the guidelines of the contractPer the customer's request I have attached a copy of his contract

I did pay the
car payment on July again they have all there information twisted I have proff I payed a complete payment and they mentioned on the phone that is was since august so they need to get there information straight again!!! They did give me back my car yet I had to pick it up in a Audio place and my car was in the street instead of being somewhere else much safer, also when It was under there control I don't know what they did to my car and now it is overheating !!!!!Which it never has happened before and also the pl*** where I had to pick up the car the gentleman said please sing or I don't get paid and did not explain what I was singing at all they only care about the money

BHFC Financial shows a payment history of $posted on 5-2-15, $posted on 6-19-15, and $posted on 7-9- One payment was posted per month, so Ms*** has done a great job making payments

Mr***s has a balance of $5,

The dispute was regarding the nature of the contract and lending by the company which was in a preditory natureWith a continued unauthorized auto debit from my account
although my verbal authorization was intructing a cease of all auto payments because of the amount already payedI am aware of a vehicle being a depreteating asset but for them to attempt to collect a full balance and all intrest is obsered and a clear act of preditory lendingBy refusing to tettle the amonut as the value of the vehicle for payoffNot adding all interest possibleThe contract never states that all interest will become due at payoff nore is there an early payoff feeSo why does the balance increase even as payments are made on the accountTo sum it up I am willing to settle free and clear with this company at the appraised value of the vehicle witch is $

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
This is a total lie I have given them my new number of 714-718-and my new email of ***, I explained to *** and *** that I was no longer working and could not afford the she told me that the $payment would be fine I thanked her and told her how very much I really do appreciate her helping me...I made a payment on the 5th of may then two weeks later my car was being taken away..we made an agreement over the phoneI never received a text from them or an emailI want to see the proof of the email and also the text and phone callsI always called then back or made arrangements with them I would have never ever gotten my vehicle taken when all I had to do was pick up the phoneI just the way this company do business is out of hand I wouldn't wish what they have done to me on my worse enemyWhen they took my car I couldn't get to work me and my kids were already having a difficult time and what they did was not rightThey say one thing and do anotherYou call them then you call back and there is no notes stating what you call aboutI don't understand how you can run a business with out taking the proper notes
Regards,
*** ***

I have reviewed the Complaint of Mr. ***, and apologize for the inconvenience. We recently installed a new phone system, and we unfortunately did have some errors during the initial phase of implementation. The outgoing phone call drops were the result of errors, and not an
intention to have Mr*** to call back for any sort of underhanded purpose. His number was provided as a reference for one of our potential customers in the application of an automobile loan. I have overseen that he will not be called again, and I sincerely apologize for the inconvenience this error caused him.Best Regards,Richard R***BHFC Financial Services, Inc.General Counsel

I have reviewed the complaint, and appreciate the customer's concern. It appears that our agent may have used the wrong card, and didn't forward the complaint to her superior. If that is the case we apologize. We note the complaint, and share in addition to the manager's apology,
an additional apology since it appears the wrong card number was used in error

Revdex.com Translation of Business Response:The wide fluctuation in Ms*** loan balance was due to insurance charges being removed We agree with the loan amount she stated on 7-14-2015.La amplia fluctuación en saldo del préstamo de la Sra *** se debió a gastos de seguro que son removidos
Estavamos de acuerdo con el monto del préstamo que ella en 14/07/