Initial Business Response / [redacted] (1000, 10, 2016/03/15) */ - This client has missed there payments, it is there obligation to make there payments as outlined in there payment scheduleFailure to do so we can immediate repossess the car, we did not, we should be thanked for that - If the client fell behind on there payments us requesting the client to pay an extra [redacted] a month until they have caught up on the arrears is clearly not [redacted] , its being accommodating on our part - The client has not been charged any "extra payments" we simply wanted them to catch up on the payments they missed, they were also not charged any sort of fee or late fee for missing there payment - Client has defaulted on there loan, we have repossessed the car, as per agreement car is sold for highest amount we can get for it and the proceeds go against the clients balance, if there is a balance owing its sent to collections, if the disposition results in extra funds they are given to the client Initial Consumer Rebuttal / [redacted] (3000, 12, 2016/03/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) We were never late on our payments...They were closed due to horrible weather....We made agreements via email to [redacted] who was at the time the payment advisor...Now all of a sudden nobody is now there its all new staff
Initial Business Response /* (1000, 6, 2016/06/08) */
- Clients complaint is that we "refuse" to update ***As client is well aware that statement is untrue as we emailed him on May 24th at 2:06PM to advise him that we had updated our *** file and the loan should have been
showing as paid in full and closed as we had already sent in our file to *** that would contain the information that the file was closed so we clearly were not "refusing" to update the loan information
- He had indicated to us that he "highly doubted it was provided to them" I'm really not sure why he would indicate that, his loan showed on his *** which means we had in fact sent them information in the past so there should be no reason from the clients end to assume for some reason we would send his info accurately through his entire loan and then "refuse" to show it as paid at the end of the loanHe also indicated that *** "updates daily!" that statement is not entirely correct, when we send files in to *** depending on the size of the file it can take up to a couple weeks for *** (same with ***) to upload the entire file to update on a clients credit report, once they update the file yes it reflects immediatelyIn my experience that is not usually the case however and the files do get uploaded to there database after it has been provided to them within a couple days to a week
- When technology comes into play there can be "glitches" inside the systemsWhen we had sent our file to *** there was a glitch in them receiving the file that caused there system to not notify us that the file was not properly received even though we sent itAs we indicated to the client we had contacted *** by phone and email to look into the issue as to why a file we had sent did not update on a clients reportThat was when we were notified the file was not received properly through there file uploading software and we started taking steps with *** to try to identify the issue and have it fixedWe have since re sent our file, received confirmation it has been received and will be following up with them to insure the file has been updated properly
- This issue was not caused by errors with our software, we also followed up quickly with the client to advise we were looking into the matter with ***, that takes time as we have to enter a ticket with them and they have to investigateThe fact we immediately let client know we had looked into the issue there was absolutely no need for a complaint, especially one that directly contradicted our conversation with the client that we had in fact sent the file and then were actively engaging *** to determine why it didn't update
Initial Business Response /* (1000, 10, 2016/03/15) */
- This client has missed there payments, it is there obligation to make there payments as outlined in there payment schedule. Failure to do so we can immediate repossess the car, we did not, we should be thanked for that.
- ...
If the client fell behind on there payments us requesting the client to pay an extra ** a month until they have caught up on the arrears is clearly not [redacted], its being accommodating on our part
- The client has not been charged any "extra payments" we simply wanted them to catch up on the payments they missed, they were also not charged any sort of fee or late fee for missing there payment
- Client has defaulted on there loan, we have repossessed the car, as per agreement car is sold for highest amount we can get for it and the proceeds go against the clients balance, if there is a balance owing its sent to collections, if the disposition results in extra funds they are given to the client.
Initial Consumer Rebuttal /* (3000, 12, 2016/03/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
We were never late on our payments...They were closed due to horrible weather....We made agreements via email to [redacted] who was at the time the payment advisor...Now all of a sudden nobody is now there its all new staff...
Initial Business Response / [redacted] (1000, 10, 2016/03/15) */ - This client has missed there payments, it is there obligation to make there payments as outlined in there payment scheduleFailure to do so we can immediate repossess the car, we did not, we should be thanked for that - If the client fell behind on there payments us requesting the client to pay an extra [redacted] a month until they have caught up on the arrears is clearly not [redacted] , its being accommodating on our part - The client has not been charged any "extra payments" we simply wanted them to catch up on the payments they missed, they were also not charged any sort of fee or late fee for missing there payment - Client has defaulted on there loan, we have repossessed the car, as per agreement car is sold for highest amount we can get for it and the proceeds go against the clients balance, if there is a balance owing its sent to collections, if the disposition results in extra funds they are given to the client Initial Consumer Rebuttal / [redacted] (3000, 12, 2016/03/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) We were never late on our payments...They were closed due to horrible weather....We made agreements via email to [redacted] who was at the time the payment advisor...Now all of a sudden nobody is now there its all new staff
Initial Business Response /* (1000, 6, 2016/06/08) */
- Clients complaint is that we "refuse" to update ***As client is well aware that statement is untrue as we emailed him on May 24th at 2:06PM to advise him that we had updated our *** file and the loan should have been
showing as paid in full and closed as we had already sent in our file to *** that would contain the information that the file was closed so we clearly were not "refusing" to update the loan information
- He had indicated to us that he "highly doubted it was provided to them" I'm really not sure why he would indicate that, his loan showed on his *** which means we had in fact sent them information in the past so there should be no reason from the clients end to assume for some reason we would send his info accurately through his entire loan and then "refuse" to show it as paid at the end of the loanHe also indicated that *** "updates daily!" that statement is not entirely correct, when we send files in to *** depending on the size of the file it can take up to a couple weeks for *** (same with ***) to upload the entire file to update on a clients credit report, once they update the file yes it reflects immediatelyIn my experience that is not usually the case however and the files do get uploaded to there database after it has been provided to them within a couple days to a week
- When technology comes into play there can be "glitches" inside the systemsWhen we had sent our file to *** there was a glitch in them receiving the file that caused there system to not notify us that the file was not properly received even though we sent itAs we indicated to the client we had contacted *** by phone and email to look into the issue as to why a file we had sent did not update on a clients reportThat was when we were notified the file was not received properly through there file uploading software and we started taking steps with *** to try to identify the issue and have it fixedWe have since re sent our file, received confirmation it has been received and will be following up with them to insure the file has been updated properly
- This issue was not caused by errors with our software, we also followed up quickly with the client to advise we were looking into the matter with ***, that takes time as we have to enter a ticket with them and they have to investigateThe fact we immediately let client know we had looked into the issue there was absolutely no need for a complaint, especially one that directly contradicted our conversation with the client that we had in fact sent the file and then were actively engaging *** to determine why it didn't update
Initial Business Response /* (1000, 10, 2016/03/15) */
- This client has missed there payments, it is there obligation to make there payments as outlined in there payment schedule. Failure to do so we can immediate repossess the car, we did not, we should be thanked for that.
- ...
If the client fell behind on there payments us requesting the client to pay an extra ** a month until they have caught up on the arrears is clearly not [redacted], its being accommodating on our part
- The client has not been charged any "extra payments" we simply wanted them to catch up on the payments they missed, they were also not charged any sort of fee or late fee for missing there payment
- Client has defaulted on there loan, we have repossessed the car, as per agreement car is sold for highest amount we can get for it and the proceeds go against the clients balance, if there is a balance owing its sent to collections, if the disposition results in extra funds they are given to the client.
Initial Consumer Rebuttal /* (3000, 12, 2016/03/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
We were never late on our payments...They were closed due to horrible weather....We made agreements via email to [redacted] who was at the time the payment advisor...Now all of a sudden nobody is now there its all new staff...