Cars2Credit

October 15, 2014This letter is in response to a complaint, ID # ***.The complainant purchased a vehicle from us in March Payments were made until September when the customer became thirty days past dueWhen the customer contacted us in October we informed him that he
would need to make two payments to bring his account to a current statusOn October 10, the customer made two payments and is current at this time.Thank you,Ken BBusiness Manager

Review: A few months ago I was $8.00 past due for a previous bi-weekly payment and then 1 bi-weekly payment behind. I owed $175.00 and my payment was due on a Friday and the dealership came to my house on that Wednesday and repossessed the vehicle for $175.00 past due for only 5 days past the due date. When I called I asked if I paid the $175.00 the manager told me "Not with the attitude you are giving me". I said you have to understand that I am upset that your company took my vehicle for 5 Days past due for $175.00. He tried to charge me $175.00 plus an additional bi-weekly payment that was not due yet and then he tried to charge me the repossession fees when he did not even have my vehicle towed he sent a coworker out with a key. The only reason I knew someone took my vehicle is because my neighbors thought someone stole it because of how shady they came and got it. Needless to say I paid to get the vehicle back.

Now the last few bi-weekly payments I made online on their website that Monday early morning and then their company calls me and tells me my payment is late/due and when I tell them that I made the payment online a few hours before they proceed to tell me that "Oh they must not have ran the payments yet". Dont you think common sense business practice you run payments that came in on the website that Sunday and Monday morning when you open your business before you start calling and harassing customers for a payment??

My vehicle has also had the check engine light on right after the warrenty went out and they refused to do anything about it. This place is a scam and have horrible business ethics as well as collection and repo ethics.Desired Settlement: I would like a letter of apology for their harassment and I would also like them to change their policy for collection and repo policy. I would also like them to fix what is wrong with my vehicle for free since I have made numerous complaints with no responses.

Business

Response:

Dear Sirs:

In response to [redacted]. [redacted], without getting into particular details of her account with Cars2Credit, I can specifically state that the description of events and severity/history of her account status is "WHOLLY" inaccurate. We, as a Sales Finance Company, maintain standards and protocol for attempting to collect a debt, as any Lienholder does. When efforts to collect fail and customers refuse/ignore those attempts, ultimateiy the loss of communication and control will lead to possible repossession, in regard to service issues, a one-year warranty was offered and accepted at time of purchase. Service issues are never convenient or timely. Certainly, I feel no responsibility for a "check engine" light, which occurs 13 months after purchase.

Review: I received the phone call this afternoon 10-02-2014 in regards to my September payment I told the person on the phone sorry I missed you guys Saturday but I will be in this evening to make may payment amount $401 I reached there about 5:30 pm and I MY NAME IS [redacted] here to make my payment he said ok I hope you are making 2 payments I said no my next payment is not until 9 days from today on oct 11,2014 he stated iam 22 days pass due I said ok but I AM here now to pay you and he refused to take my payment he then stated he has a right to do as he please and he was very rude to me and he went on to say bring the car by 7pm tonight if I did not pay him $802 eight hundred & two dollars OR HE IS GOING TO REPO MY CAR I SAID ON WHAT GROUNDS YOU REFUSING TO TAKE PAYMENT I said that's not going to happen my wife has the car and how do you even no if she is in town he said he could care less I asked him who called me earlier and he said he did and I asked him his name he said LEROY C[redacted] I said why did you not say you wanted 2 payments then he didn't respond I said sir why are you treating me this way AND MAYBE WE GOT OFF ON A BAD FOOT lets try this again I been paying my note since march of this year with no problem and I got a lot of money into this car he stated he only concerned about his interest so why are you not taking the one payment I owe he stated I have been late in the pass I SAID SIR I AM NOT EVEN 30 DAYS PASS DUE you are not being fair nor is this good business I said you no all finance companies have a grace period and none of the staff ever said anything or refused to take my money he said there is no grace period I said let me do this now I no what you except so from this point on lets move my due date out 3 week which works better for me and stay on time and I also asked him for a print out of how many times I been late he state in JULY I WAS 4 DAYS LATE AND IN AUGUST 5 TO 7 DAYS LATE I said ok but you still didn't show me but that's why you have late fees I tried to reason with him but it was going nowhere I then asked to speak to my sales rep and other employees I knew he reply non of them no longer work here so then I left and this is the first time I ever meet this man and spoken to him was todayDesired Settlement: I WOULD LIKE FOR THEM TO EXCEPT MY PAYMENT AND ALL FUTURE PAYMENTS AND MOVE MY DUE DATE OUT TO THE 28TH OF EACH MONTH

OR I WILL I BE GOING ON TO THE NEXT STEP /

OR THEY CAN GIVE ME BACK MY DOWN PAYMENT AND ALL PAYMENTS THAT I MADE SINCE THEY WANT TO BREACH THE CONTRACT BY NOT TAKING MY PAYMENTS AND CAUSE MY ACCOUNT TO GO IN DEFAULT SO THEY CAN HAVE JUST CAUSE BUT I WILL SEE THEM IN COURT BEFORE THIS GETS OUT OF HAND

Business

Response:

October 15, 2014This letter is in response to a complaint, ID # [redacted].The complainant purchased a vehicle from us in March 2014. Payments were made until September when the customer became thirty days past due. When the customer contacted us in October we informed him that he would need to make two payments to bring his account to a current status. On October 10, 2014 the customer made two payments and is current at this time.Thank you,Ken BBusiness Manager