Chicago Lenders

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 until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

We settled this complaint by giving the customer the $285 credit.

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.  Please provide proof of emails sent to me because I received none. I don't say this to insinuate that I was never contacted by the company.... Only to say that you continue to show yourselves as dishonest and poor in your administrative duties. On the same note, I have NOT started any new job nor have I told ANYBODY at Chicago Lenders I have. That is a lie. Please provide proof of this and/or where you received this false information.. I am with the same employer and in same capacity I was as when I first purchased my vehicle. In addition, I never said anything about a voicemail or voicemail sox in my times calling Chicago lenders. Only that I was told I had an additional day to pay. Anything prior to my call on 5/14 is irrelevant BECAUSE I was assured that unless told otherwise my terms were accepted and I would have an additional day to pay. If I knew my terms weren't accepted or that my car was going to be repossessed I wouldn't have left it siting in my driveway instead of the car port or garage it was parked in front of. Obviously I was under the influence tht Chicago lenders was professional and would work my account appropriately. You would be utterly DISRESPECTING me if you tried to tell me my claim that I called in and was told I have an additional day to pay was unbelievable simply because you have continued to validate my claims that you are unorganized, rude and unprofessional. My car wasn't ready until the day after my appointment (the appointment I paid early to secure) and nobody took any action until I was standing in front of them asking for updates. The rude woman I dealt with was passing out slices of pineapple to co workers not long after I told her to give me an update after the 15 minutes she had originally quoted me had passed. When an irate customer is in your lobby waiting with no information put your little snack plate down and at least look busy.  To further validate my point I had a video of my conversation with [redacted]. On camera he promised me he would call me AS SOON as my vehicle arrived on site. I confirmed this point with him three times in a row. Phone records will show he never called and I had to step out of work to call Chicago lenders and handle my issue with them AGAIN. He told me the vehicle had been there for more than half an hour. I have a hard time believing he would've called me as I called back less than 10 minutes before close. I was even denied to speak to the office manager. On video, instead of getting his manager like I asked [redacted] said "don't you have to go to work?". What is my point? This "company" continues to disrespect me and is OBVIOUSLY not to be trusted administratively which validates my claim that I was promised an additional day to pay and should've never been repossessed. Perhaps a late fee but repossession was PROMISED not to occur. Please explain to me how this company operates with professionalism and excellence. Might I add during my time on the phone with this company, on site abd via Revdex.com correspondence the only apology I have received is the "I apologize for this inconvenience" I received in the message I am responding too. I will accept a $200 credit of the $270 I'm seeking, accounting for a $70 late fee due to my late payment.. 

Regards,

Please remove this complaint from this company.  The complaint is a collection issue, not a sales issue.  Chicago Lenders is the collection companyThank You[redacted]

I bought my car from [redacted] on Bell Rd in Feb 2014. Although I have had to completely rebuild my engine, brakes, and catalytic converter, my experience with Chicago Lenders has been pleasant. My account manager David has been very amicable. Although I like this company I would not recommend ANYONE to buy a car from [redacted] unless they had absolutely NO OTHER OPTION in buying a car.

Mrs. [redacted] did purchase a vehicle from us and was an excellent customer.  She was sold another vehicle and never made a payment.  What happened to the original Mrs. [redacted].  We are willing to work with her.  Please have her call Charles at PFG Funding....

[redacted] 
Dennis D[redacted]
President

The purchase date is 1-19-14 The customer did come in on 1-29-14 and had a key programmed.  the customer came in on 3-12 and had us cut and program a new key.  3-22-14 customer came inn and the differential and Left rear tire.  During the 2 months the customer had the vehicle...

they put 3000 miles on the vehicle (average for Arizona)  (Miles at sale date 104236, miles on 3/22- 107736.01/21/2013:        Vehicle purchased

03/12/2013:        AUTO REPAIRS – Vehicle underwent diagnostics; cut/reprogrammed new key and removed old GPS system

03/22/2013:        AUTO REPAIRS – Replaced differential & rear tires; ran diagnostics

04/15/2013:        Last monies received for partial payment on account

05/15/2013:        Customer advised to make good faith payment of $100 to prevent repossession – which never happened

05/17/2013:        Vehicle changed to repossession status

03/14/2014:        Customer signed a Voluntary Payment Program (attached) agreeing to pay $150.00 on the 15th of each month

03/20/2014:        Our legal department was advised the customer had moved out of state (Iowa) in January 2014

04/08/2014:        Customer’s stepmother was advised the $150.00 monthly payment would be run on 4/18 via debit card per signed agreement

 

This vehicle was only brought to us for service in 03/2013; no other communication ever took place indicating any other problematic  issues.  It would appear this complaint was lodged as a result of our following through with the Voluntary Payment Agreement which the Customer signed, which is unfortunate.

The customer was called several times to remind her to make the payment and had an opportunity to redeem the vehicle after repossession.  She defaulted on her payment.

Mr. [redacted] did purchase a vehicle from us and signed several documents that clearly disclosed the payment amount and dates.  He should have a copy of those contracts.  Wehave in our records that we spoke to him several times regarding his late payments.  He was in default of his...

contract and was very difficult to repossess.  Due to his lack of good pay historyand difficult repossession, we are requesting a full payoff.Sincerely,

[redacted]President

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,
I have been making the payments on time and this the second car I bought from them. I used to work at the company before I was termed not due to the work its something else. I have been on time making the payments on the first car I bought from them. I still was 2 weeks behind and I already made arrangements with them just a few days before. I still think its fraud because of the length of time I had the car and that they already know me from the time I used to work with the company. they always took the payments out of my checks. There for the payments were on time every time. I disagree with the words they used, when I called to make any kind of arrangements very person I've talked to has there on little story. It never an honest answer. If I made arrangements today for the car to be current then they always give me hard time about it. UI can never get a straight answer from them. I understand if its a month or more behind but I made arrangements and the payments were about a month behind and they let me pay for it and to make it current. I did this for about three months or so and they never did this before. I always made the payments to keep current and if I couldn't them every time I called them to make arrangements. So I disagree with there decision they made and I was a loyal customer. Thank you!

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 until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,[redacted]

Sorry for the inconvenience.  We offer other ways to make your payment.  Online, [redacted] or reoccurring (which is free).  I hope some of these
will work for you in the future.
 
Warm Regards
 
Dennis D[redacted]
President

The complaint touches a lot of different problems which all occur at different times within the  14 month timeframe.I personally tried calling Joan4 times and left a message.  I want to get some clarification on a few matters before I offer a solution.Please call me at...

###-###-#### in the afternoon.[redacted]

This is issue pertains to Chicago Lenders and is not pertinent to [redacted].Records indicate the customer makes their own payments through portal pay, and on...

6/21/14 they reversed a payment in the amount of $195.00.  The customer continues to think Chicago Lenders is reversing their payments, but the customer's account ledger clearly indicates the customer is making their own payments online.  Chicago Lenders asked a representative from [redacted] to call and explain to the customer that Chicago Lenders never received their payment and it was never deposited into their s account.  At this time the customer is behind $230.00 because of one payment of $195.00 plus late fees $35.00.  Unfortunately, the customer continues to think that Chicago Lenders owes her one payment, which is not the case.

Per the customer's account historical notes, this was a customer default on account and resulting repossession of the vehicle that became a billing and collections issue.

Mr. [redacted] is a customer of Chicago Lenders.  He was delinquent by 2 car payments and had made a promise to pay for 4-13-2015.  We called him on the 11th,12th,13th and 14th.  We emailed him twice and tried to call some of his personal references.  We found out he started a new...

job.  We have no record of Mr. [redacted] calling in after he missed his promise to pay on the 4-13-15.  We do not have an answering machine.  I am sorry for any inconvenience.  We made over 10 attempts to reach him in various mediums.I would like to offer Mr. [redacted] a $75 credit for his time and gas in dealing with the situation.  I hope there can be better communication in the future.Sincerely,[redacted]President

The customer understands why he cannot have his vehicle back.  Due to Privacy laws I do not wish to state his circumstance. 
 
He has obligations to meet before we can legally give him back his vehicle.
 
He knows to call Charles the collection manager...

and resolve this problem.  We have a mobile installation company standing by to help him. 
Sincerely,
 
Dennis D[redacted]
President

The issue has been resolved[redacted]

This issue pertains to non-payment of a customer finance account and should be removed from the Cactus Jack's Revdex.com account.  However, research shows that:06/02/14  Account reached default status due to non-payment, and flagged for repossession.06/09/14  Vehicle repossessed...

early in the day; Customer dropped off payment in afternoon after repossession had occurred.06/12/14  Customer paid monies due in order to redeem vehicle out of repossession status.06/13/14  Customer picked-up vehicle and has had it in their possession since that time.

I am a young professional who made some poor credit management decisions in my youth. I have experienced both sides of the fence. As one who extends credit and obviously the consumer. With that being said I am having a hard time understanding your collection ethics/practice. As a consumer I wanted to take the opportunity to work with a company that would help me to establish credit. I don't necessarily blame the company as a whole but I think there is a serious flaw in your system. First and foremost you are alienating any relationships with [redacted]. With buy here pay here I'm sure their preferred marketing is by word of mouth.
My situation goes as follows...I recently transitioned to a higher paying position with a new firm. Which also came with new pad dates. I can admit that I had a flawed exit strategy with my previous employer and had some unforeseen health problems along with a death in my family. Yes, when it rains it pours. I had a gap in my income for (3) weeks. I still managed to make any good faith payment and gave specifics of when I could pay total. Which was under 2weeks of being late and kept the line of communication open. The following day after I was paid which I communicated to several reps I had to prevent them from reposessing my car at my employment. I paid them $500 aprx for sending a tow truck out to repo. Therefore costing me aprx a full car payment. To add to my expense their merchant provider took aprx 10days to even process my payment which left me very stressed in that time frame considering that I have read past experiences where you have repossessed vehicles during that time frame waiting for the payment to process. My fault again for not budgeting that in when I'm already stretching my dime as far as it will go. I would really like to hear some suggestions how you have helped others in this similar situation. I was denied an extension and never once received any assistance. At least a due date change by +3 days. I would greatly appreciate transparency and effective collection efforts. I know you have a business to run and don't expect you to change policy. However, I believe that you are exposing yourselves, [redacted], and the customer to potential havoc. I want nothing but to end my relationship with you and will be sharing my experience with everyone I can and will be utilizing the internet and my marketing networks to expose your practices. If your worried about my credibility then consider the $4,000 added to the market value of my loan as good faith. I would really like to know how your service helps someone to build credibility and increase market value of you and your affiliates when you alienate so many relationships.

I will look into this error.  It should be an effortless process to make a payment.  I will credit your account $50 for your inconvenience and apologized  for any frustration that occurred.

Warm Regards

President