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County Traders LLC

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Reviews County Traders LLC

County Traders LLC Reviews (10)

Initial Business Response / [redacted] (1000, 5, 2015/10/01) */ The consumer is a co-signer on an auto-loanWith the other borrower, the consumer is entirely responsible for meeting the terms and conditions of the auto loan as described on the loan agreement signed by each in October A copy of the signed agreement can be provided upon borrower request We have been in contact with the consumer and have provided the detailed loan history that she has requested in her complaintWe are also going to provide a payout amount for the customer as per their request Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) I understand that the terms of the contract is our responsibility !! I guess it's because we are intelligent peopleIt concerns me that there was an accusation made to me that my husband is not a smart person! I don't believe that date changes were communicated clearlyIt also concerns me that it's took several request to get statemts and when I finally got them I was told they are difficult to understand [redacted] I am waiting to hear from the director on a good buy outI just want rid of this companyI would Also like them to contact the credit bureaus to have less negative impact to our credit scoreI hope that we can resolve all of my request quickly so that I don't have to take further steps to have it resolved Final Business Response / [redacted] (4000, 9, 2015/10/06) */ The cost of borrowing is clearly disclosed on page of the loan agreement signed by the consumerThe associated fees for dishonored payments is clearly disclosed on page of the loan agreement signed by the consumer We are obligated to truthfully report payment history accurately to credit bureaus and are unable to erase or modify late payments from history Our records indicate that we have sent statements to the consumer at the address provided on July 9th immediately following a conversation with the consumerAdditionally our records also indicate statements were sent to the consumer at the fax number provided by the consumer on July when requested In an attempt to bring this matter to a close we have already waived in excess of $in NSF fees associated with the accountThe loan balance is currently $8,and the payout if received within days would be $8,We have also communicated an offer to settle the account for $within days of October 5, which would provide the consumer at minimum an additional $in savingsThe account will continue to accrue interest at the contractually agreed upon rate until payout, or settlement payment is received within the timeframe provided

Complaint: [redacted] I am rejecting this response because: Totally unacceptable, [redacted] The excessive phone calls started three months into the contract despite having access to my banking information and the account being in good standingThe calls then got progressively worse the further I got into the loanI have repeatedly express my frustration about these calls and was told it is done by their automated system or they are trying to arrange payment schedule(once denied access to my account for unauthorized debt) With regards to their automated system, on several occasions I would respond to a call from Rifco to find out it’s an automated call requesting a call back to their office immediatelyIn compliance of said call, I would be place on hold for thirty to forty minutes at which point I would be annoyed by the wait time and disconnect the call, minutes later the same thing would happen againThere have been times when I would receive upwards of fifteen to twenty calls per day despite having made payment arrangement with two sometimes three representatives the day off or the day(s) priorI can recall several instances where by I have spoken to one rep earlier in the day and would receive numerous calls from other reps that same day and when asked have you check my account before calling the rep would reply “it doesn’t matter who call you before, when we (Rifco) call no matter what you are doing we expect you to answer our calls” [redacted] Full cooperation was always extended to Rifco and its representatives to ensure proper business etiquette until it was violated after representatives of Rifo were implicated in misrepresentation and breach of privacyRepresentative would often use alias names to conceal their identity when making problematic calls as it was often the case with us [redacted] With regards to breach of privacy, [redacted] contacted several individuals namely: employer, former employers, family, ex-girlfriends, friends and neighbours regarding my account, offering full disclosure on my finances [redacted] For the record, my account has been in arrears in the past and I have done my best to rectify the situation by making double and sometimes triple payments to keep the account currentWith that said, I have always notified Connie in advance to that effect and try to maintain a line of communication that is befitting to proper business standards and etiquette Sincerely, [redacted]

Initial Business Response /* (1000, 5, 2015/09/10) */
The consumer's loan has been in significant arrears (more than days late) a number of timesThe events that have triggered the late reported payments on the credit file are as follows:
The bi-weekly payment scheduled for March 22,
was returned as non-sufficient funds (NSF)A replacement payment was never received
The bi-weekly payment scheduled for May 20, was not made
On June 6, the client elected to begin remitting monthly payments however the account was already past due because of the missed payments outlined above
In addition, the monthly payment remitted on January 6, was returned NSFNo replacement payment was made by the consumer
Due to the events occurring above it is clear that the account is being reported properly to the credit bureauWe are not permitted to knowingly report incorrect or incomplete payment history data to the credit bureaus
As sign of good faith and in an effort to assist the consumer, Rifco will agree to waive the NSF fee outstanding of $Additionally, we will agree to 're-amortize' the remaining delinquent amount to the end of the loan scheduleAssuming the customer continues to make on time scheduled payments, the account will be reported as current
Initial Consumer Rebuttal /* (3000, 7, 2015/09/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree to this responseI do agree that I did miss the payment date of March22, It was at that time I had made the arrangement to go onto a monthly payment scheduleHowever, I don't understand the missed by-weekly payment on May 20,since I am in a monthly payment schedule of the 6th of each monthThis missed payment makes no sense to me and cannot existAnd the last payment mentioned on January 6th, 2015, I had spoken to a manager and came to an agreement that this payment was made into an extension due to medical expenses and was not going on to my credit report as I was toldIt has also raised my interest rateThere are late payments marked on my credit reportThis is what I don't understand
Thank you,
*** ***
Final Business Response /* (4000, 9, 2015/09/25) */
Our assessment of the response from the consumer indicated that there may be some incomplete or incorrect understanding of key issuesSome of these issues are highly confidential and personalWe are in direct contact with the consumerWe are sending a detailed payment history report to the consumerWe will update Revdex.com as developments occurWe remain committed to satisfying the concerns of the consumer

Complaint: ***
I am rejecting this response because:I gave this car back,did a VOLUNTARY REPRO,in which the Car Company had the car towed to their dealership in DARTMOUTH NS.MY partner *** *** was on this loan,but went bankrupt,so this Company harasses me where I can lose my Job.I live at * *** ** ,whre the car was towed away from,we were told that when they pick up this car,they would auction it off and send the balance to * *** *** **.Never heard anything about this agreement,only calling me at my place of work on a continuous basis.They can write me via mail.thank you
Sincerely,
*** ***

The customer is currently behind in payments and we have been attempting to contact to make arrangements on the arrears. It is unacceptable for the customer’s loan to remain delinquent. We continue to request cooperative arrangements that will result in the customer’s account
returning to ‘current’ status In an attempt to resolve the customer’s delinquency, we have been attempting to communicate with the customer. Unfortunately, the customer has largely ignored our requests to communicate We have added their phone numbers to our permanent Do Not Call list so the scheduled phone calls will cease as of today. We also attempt contact by text message and email once per week We will continue these contact attempts as we are still seeking a payment arrangement on the arrears balance We offered the customer a re-write of his loan agreement that would result in us moving the overdue payments to the end of the loan. In order to accomplish this loan restructuring, we require a statement of income from the customer. The customer was unable to provide substantiating documentation of his monthly income. If documentation is now available, we would be pleased to revisit this option. The customer has been making semimonthly payments even though the loan is set up for a monthly payment. The customer has requested a payment frequency change; however, our system cannot accommodate that change while there is an arrears balance on the loan. As soon as the account is current, we will make the requested change. When a customer applies for a loan they are required to provide references. We use these references as an additional source of contact when we are unable to reach the customer. We will cease contacting this customer’s references and trust the customer will reply to our text and email requests for regular contact to resolve the arrears on the account. Again, our intention is communication with our customer toward a positive resolution of the customer’s ongoing delinquency. Such resolution would benefit each party

The customer purchased a vehicle on November 15, 2016. We granted a loan to the customer and provided funds to the dealership for the purchase of the vehicleThe customer failed to make their first monthly loan payment on December 20, but managed to make payments on January 20,
to catch up their obligations. The customer also made the required loan payments in February, March and April. Unfortunately, no loan payments were made by the customer since AprilDuring this time period, we attempted frequent contact by telephone and email. Despite receiving a number of promises to pay by the customer, we did not receive any actual loan payments. Our intention was to assist the customer in resolving the increasing delinquency, but absolutely no funds were forthcoming. The customer was notified, by letter, that the loan was assigned (sold) to *** *** *** *** *** effective July 6, Since our company no longer owns or controls the automobile loan, all dialogue regarding the loan, the delinquent payment amount, and the status of the financed vehicle ought to be made to *** *** *** *** *** The contact information for the administrator of the loan is as follows: *** *** *** *** *** Name and Title: *** *** *** *** Email: *** Phone: *** *** ***

Initial Business Response /* (1000, 5, 2015/09/30) */
Contact Name and Title: Alicia FSupervisor
Contact Phone: ***
Contact Email: ***
We would be pleased to discuss this matter with the consumerHowever, we do not currently have an up to date phone number for
the consumer and have no way to reach themPlease provide a phone number for us to contact the consumer and/or contact Alicia FPortfolio Services Supervisor***
Thank you
Initial Consumer Rebuttal /* (4200, 12, 2015/10/27) */
Complaint ID#:
Business Name: RIFCO National Auto Finance Corporation
Following my complaint An associate at RIFCO sent me an email asking me to contact her to settle the situationUnfortunately for me she did nothing but yell at me on the phone, she kept reminding me how I don't have a job, I don't have money and she's confused to why I'm calling about a settlementShe was cry rude, she promised to contact a collection agency and make sure that they harass me for the next yearsHere I did not mention her abusive wordsShe was not open to listening to me, she was mocking my financial situationI told her I was going to contact my MPShe got really frustrated about it, she asked me why I wanted to go to my MP for, what about her company etcI already contacted a lawyer who said he could take my case pro bono, I will follow up with that lawyerI'm not hiding from RIFCO, I just cannot accept that associate like that lady I talked to on the phone can intimidate customers who have a debtJust because I have a debt does not mean that I can't be treated with respect on the phoneShe said the only way they could change my s through and agreed settlement because the car is sold at an auction and long goneHer settlement would be that I pay times what the car is worth todayI told her considering my financial situation and the fact that the car is sold and long gone, how about we settle for what the car is worth right now as we speakShe started yelling at me again (she was very mean) she said you don't have money, you can't go to a bank, you don't have family who can help you, you don't have a jobWhy would settle to that with youI will definitely contact my MP and that lawyer because with an RIFCO associate like that lady I spoke with, I don't have a choiceI will definitely keep you posted on that file

The customer has an outstanding loan balance with our company. The customer has not provided a valid residence or cell number that we can contact her with. The only means of contact has been through her place of employment. The customer’s employer made a
request on April 13, that we do not call this number again and we will respect this request We will attempt to find a resolution to the outstanding arrears by mail or email only until the customer provides new contact information. Our intention is communication with our customer toward a positive resolution of the customer’s outstanding loan balance. Such resolution would benefit each party

Initial Business Response /* (1000, 5, 2015/10/01) */
The consumer is a co-signer on an auto-loan. With the other borrower, the consumer is entirely responsible for meeting the terms and conditions of the auto loan as described on the loan agreement signed by each in October 2011. A copy of the...

signed agreement can be provided upon borrower request.
We have been in contact with the consumer and have provided the detailed loan history that she has requested in her complaint. We are also going to provide a payout amount for the customer as per their request.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I understand that the terms of the contract is our responsibility !! I guess it's because we are intelligent people.. It concerns me that there was an accusation made to me that my husband is not a smart person! I don't believe that date changes were communicated clearly.. It also concerns me that it's took several request to get statemts and when I finally got them I was told they are difficult to understand. [redacted] I am waiting to hear from the director on a good buy out.. I just want rid of this company.. I would Also like them to contact the credit bureaus to have less negative impact to our credit score.. I hope that we can resolve all of my request quickly so that I don't have to take further steps to have it resolved..
Final Business Response /* (4000, 9, 2015/10/06) */
The cost of borrowing is clearly disclosed on page 1 of the loan agreement signed by the consumer. The associated fees for dishonored payments is clearly disclosed on page 2 of the loan agreement signed by the consumer.
We are obligated to truthfully report payment history accurately to credit bureaus and are unable to erase or modify late payments from history.
Our records indicate that we have sent statements to the consumer at the address provided on July 9th immediately following a conversation with the consumer. Additionally our records also indicate statements were sent to the consumer at the fax number provided by the consumer on July 15 when requested.
In an attempt to bring this matter to a close we have already waived in excess of $300 in NSF fees associated with the account. The loan balance is currently $8,271.43 and the payout if received within 30 days would be $8,409.71. We have also communicated an offer to settle the account for $7000 within 60 days of October 5, 2014 which would provide the consumer at minimum an additional $1200 in savings. The account will continue to accrue interest at the contractually agreed upon rate until payout, or settlement payment is received within the timeframe provided.

Complaint: [redacted]
I am rejecting this response because: Totally unacceptable, [redacted] The excessive phone calls started three months into the contract despite having access to my banking information and the account being in good standing. The calls then got progressively worse the further I got into the loan. I have repeatedly express my frustration about these calls and was told it is done by their automated system or they are trying to arrange payment schedule. (once denied access to my account for unauthorized debt).  With regards to their automated system, on several occasions I would respond to a call from Rifco to find out it’s an automated call requesting a call back to their office immediately. In compliance of said call, I would be place on hold for thirty to forty minutes at which point I would be annoyed by the wait time and disconnect the call, minutes later the same thing would happen again. There have been times when I would receive upwards of fifteen to twenty calls per day despite having made payment arrangement with two sometimes three representatives the day off or the day(s) prior. I can recall several instances where by I have spoken to one rep earlier in the day and would receive numerous calls from other reps that same day and when asked have you check my account before calling the rep would reply “it doesn’t matter who call you before, when we (Rifco) call no matter what you are doing we expect you to answer our calls”. [redacted]Full cooperation was always extended to Rifco and its representatives to ensure proper business etiquette until it was violated after representatives of Rifo were implicated in misrepresentation and breach of privacy. Representative would often use alias names to conceal their identity when making problematic calls as it was often the case with us. [redacted]With regards to breach of privacy, [redacted] contacted several individuals namely: employer, former employers, family, ex-girlfriends, friends and neighbours regarding my account, offering full disclosure on my finances. [redacted] [redacted]For the record, my account has been in arrears in the past and I have done my best to rectify the situation by making double and sometimes triple payments to keep the account current. With that said, I have always notified Connie in advance to that effect and try to maintain a line of communication that is befitting to proper business standards and etiquette. 
Sincerely,
[redacted]

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Address: 1057A Crystal Road, Island Falls, Maine, United States, 04747

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