Cox Financial Corporation

AMKO AUTO, INC is a dealership that specializes in helping people with credit problems North State is one of the banks that helps us help customers [redacted] obviously came to AMKO AUTO for the same reason as others(to get a car when no one else has been able to get them into one!!) From 15+ banks and finance institutions that we do business with, North State was the only one willing to work with her credit worthiness She should be thankful and grateful that we helped her get into a car for her needs AMKO AUTO did nothing wrong, except help She returned to us less than a year after purchase and expects to be traded out It can be done but with X amount of down payment which obviously was not an option she had in mind Now, based on her credit, she has not paid much if any principle on her loan because of the high interest ratetherefore it is understandable for there to be some sort negative equity like in many many cases in the automotive worldAMKO AUTO is willing to trade her out at fair market value, but as far as down payment and paying uncle sam her taxes is something that she needs to bring to the table

October 6, 2017Re: [redacted] Silver Spring, MD [redacted] )***.comTo whom it may concern,AMKO AUTO would firstly like to apologize for any inconvenience caused by this misunderstanding [redacted] experiencedIt is not in AMKO's policy or agenda to have inconvenience our customersIn regards to [redacted] , our finance director "SPOT''' the deal based on the lender's criteria and rate programOur staff tried numerous times to contact her regarding a better approval which very beneficial to herThe new approval lowered her payments and amount financedThis is the reason why we were trying to get in contact with herAfter Several unsuccessful attempts to reach [redacted] , we decided to send her a certified letterUpon receiving the letter, [redacted] finally contact AMKO AUTO and was very joyful and excited that her payments had been reducedIt was to our surprise that she contact the Revdex.com after she had been in our office happy offering the staff she would bring lunch because She was So grateful or our Service.After [redacted] came to resign the new Contract, it was sent to the lender where later on that week it was finalized and completedAttached to this letter is a printout from the lender showing it was "Booked" on their endAMKO deals with second chance and third chance credit which makes it a bit difficult to perfect a loan in one tryIt is common among dealership to call customers to come back and resignNothing fraudulent was intended nor acquired that would benefit AMKO or its establishmentI believe [redacted] ' matter has been resolved to her satisfaction and AMKO AUTO always looks forward to better serving the Community.If there are any further questions or concerns, please feel free to contact me at the above-qumberThank you in advance

He are at Auto, we try to help out all the the customers that come thru our door We can only help those who are willing to help themselves out [redacted] already picked up her vehicle, as we stated before, they were already looking to repossess the car And regardless of her repo, we will continue to offer her help with financing as long as they are under the right circumstances

To whom it may concern: [redacted] , provided Amko Auto with information in regards to his employment He provided Amko Auto with fraudulent paystubs, employment did not verify and he drove the vehicle more that 8K miles with in a month period in which he was unreachable Base on our Spot Delivery Agreement, he is being charged for the usage of the vehicle [redacted] should be thankful Amko Auto, did not pursue with legal actions against him

Unfortunately the lender ( [redacted] ***) was already looking for this vehicle when the customer tried to trade out of it She had not made several payments on it and was on repo status We tried to help her with the bill but the lender questioned why we would help her with the payments if she doesn't want to make payments Just like any other high interest loan, she would need money down to be able to get into another loan

** *** *** ** *** *** *** *** *** *** ** *** *** *** ** *** *** *** *** *** ** *** *** ***
*** *** ***
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because: The business is trying to focus more on the financials of the situation, which the statements they are making are not trueThe biggest issue with this situation is that Amko is selling vehicles to customers that should not be sold the vehicle had major damage done to the frame of the vehicle which explains a lot of the issues I was having with the vehicleI have put so much money into the vehicle just trying to keep it functioning then to find out it should not have been on the market in the first place is what is wrong hereI have the reports stating that this vehicle and the damage to the frame was reported at the Auction months before I purchased it but Amko purchased it anyway patched it up and put it out there to be sold againI have been taken advantage ofwhen I first went to Amko about what I found out they were willing to help me get out of this vehicle, they felt at fault, they strung me along for months, my finance company was aware of everything and knew about the investigation, was in direct contact with Amko as well got tired of waitingSo after waiting and waiting for resolution and after many calls, I called to find out a status and was told by Amko that they wont be releasing my vehicle to me because it was being picked up for repoAmko refused to release my vehicle to meAmko's defense to the whole situation is that the care was going to be picked up for repo, if this was the case the finance company could have picked it up from my home way before I dropped it off to them, or they knew where the vehicle sat for months as I was getting the run around they could have picked it up from them long before they didAmko is not addressing the initial complaint, and that is that they sold me a vehicle that should not have been sold or financed to anyone, and as I investigate I am not the only victim this is apart of their practice
Regards,
*** ***

*** ** ***
*** *** ***
*** ** *** ** *** ** ***
*** *** ***To whom it may concern,AMKO AUTO would firstly like to apologize for any misunderstanding and or waste of time *** *** experiencedIt is not our intention for our customers to
come in to our business happy and leave disappointedIn regards to *** ***'s approvals, "YES" She Was approvedUnfortunately, the numbers didn't Work in our favor, We Were not even breaking evenWhen the sales Consultant told the Customer she was approved at certain numbers, unfortunately he nor the managers were aware of service bills that needed to be added on to the cost of the vehicleThis put the numbers in a negative position for AMKO AUTOThis is the reason why we were trying to sale her a different.AS for removing the induiries, the only thing I can Suggest is for *** *** to dispute them with the credit bureau companies and once we receive notice from the credit companies AMKO AUTO will request them to be removedAnd for her time wasted, AMKO AUTO can send *** *** a $gift card for her to use at a gas Station.Once again AMKO AUTO apologizes for any inconvenience and looks forward to better serving *** ***.If there are any further questions or concerns, please feel free to contact me at the above numberThank you in advance

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: The information provided is completely falseI have reached out to this establishment on several occasions and have made no progressNo one from AMKO Auto has reached out tome to resolve this disheartening matterBecause I did not hear back from the company, I had to go and purchase a car and have it financed through a reputable companyIt is apparent that this business' operations are questionable and unethical to say the leastI will not allow this horrible experience to just go away without resolveAMKO Auto and *** *** *** should be ashamed of the way in which they are conducting businessI have full documentation of every instance, occurrence and conversation with these individuals
Regards,
*** ***

Amko Auto apologizes for any inconvenience caused by the delay in the repairing of this vehicle.  As you can see the attachment, the vehicle was sent to [redacted] for full diagnostic.  After receiving the diagnostic, we have decided to repair the vehicle at one of our main shops that...

we use on a daily basis as we all know, Franchise dealers can charge a little more for the same repairs. Mrs. Lindsey-Jackson, has been giving a loaner, and was properly accommodated on a different loaner because she felt uncomfortable on the first vehicle.  Amko Auto is trying its best to resolve this matter for Mrs. Lindsey-Jackson and promptly as possible.

He are at AM-KO Auto, we try to help out all the the customers that come thru our door.  We can only help those who are willing to help themselves out.  [redacted] already picked up her vehicle, as we stated before, they were already looking to repossess the car.  And regardless of her repo, we will continue to offer her help with financing as long as they are under the right circumstances.

Unfortunately the lender ([redacted]) was already looking for this vehicle when the customer tried to trade out of it.  She had not made several payments on it and was on repo status.  We tried to help her with the bill but the lender questioned why we would help her with the payments if she...

doesn't want to make payments.  Just like any other high interest loan, she would need money down to be able to get into another loan.

To whom it may concern:[redacted], provided Amko Auto with false information in regards to his employment.  He provided Amko Auto with fraudulent paystubs, employment did not verify and he drove the vehicle more that 8K miles with in a 2 month period in which he was unreachable. ...

Base on our Spot Delivery Agreement, he is being charged for the usage of the vehicle.  [redacted] should be thankful Amko Auto, did not pursue with legal actions against him.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:Date: Wed, Mar 15, 2017 at 11:57 AMSubject: RE: Am-Ko Auto Complaint Response ([redacted])To: [redacted]@myRevdex.com.orgthis Response is a false report from amko auto. I have not seen this invoice nor have I had an conversation in response to their response. Amko still has my vehicle at this time. The issue with my vehicle has not been resolved. I never denied any services because anko auto took my vehicle to [redacted] as they stated that they wereRegards,
[redacted]

TO whom it may concern,AMKO Auto, Inc. would like to apologize to the [redacted] for the delay in responding to her concerns. We did in fact try to work with [redacted] to get her into a different vehicle. But, based on her credit rating which has not gone up significantly since her first purchase...

the [redacted], her situation was not the easiest to deal with. We do have a couple of banks that would like her business and we can trade her out. We have tried to reach her, but, have had no luck communicating with her. If Revdex.com can help us get in contact with her, we would definitely appreciate it.Sincerely,Victor *. R[redacted]

AMKO AUTO, INC is a dealership that specializes in helping people with credit problems.  North State is one of the banks that helps us help customers.  [redacted] obviously came to AMKO AUTO for the same reason as others... (to get a car when no one else has been able to get them into one!!)..  From 15+ banks and finance institutions that we do business with, North State was the only one willing to work with her credit worthiness.  She should be thankful and grateful that we helped her get into a car for her needs.  AMKO AUTO did nothing wrong, except help.  She returned to us less than a year after purchase and expects to be traded out.  It can be done but with X amount of down payment which obviously was not an option she had in mind.  Now, based on her credit, she has not paid much if any principle on her loan because of the high interest rate.. therefore it is understandable for there to be some sort negative equity like in many many cases in the automotive world. AMKO AUTO is willing to trade her out at fair market value, but as far as down payment and paying uncle sam her taxes is something that she needs to bring to the table.

October 6, 2017Re: [redacted] Silver Spring, MD [redacted])[redacted].comTo whom it may concern,AMKO AUTO would firstly like to apologize for any inconvenience caused by this misunderstanding [redacted] experienced. It is not in AMKO's policy or agenda to have...

inconvenience our customers. In regards to [redacted], our finance director "SPOT''' the deal based on the lender's criteria and rate program. Our staff tried numerous times to contact her regarding a better approval which very beneficial to her. The new approval lowered her payments and amount financed. This is the reason why we were trying to get in contact with her. After Several unsuccessful attempts to reach [redacted], we decided to send her a certified letter. Upon receiving the letter, [redacted] finally contact AMKO AUTO and was very joyful and excited that her payments had been reduced. It was to our surprise that she contact the Revdex.com after she had been in our office happy offering the staff she would bring lunch because She was So grateful or our Service.After [redacted] came to resign the new Contract, it was sent to the lender where later on that week it was finalized and completed. Attached to this letter is a printout from the lender showing it was "Booked" on their end. AMKO deals with second chance and third chance credit which makes it a bit difficult to perfect a loan in one try. It is common among dealership to call customers to come back and resign. Nothing fraudulent was intended nor acquired that would benefit AMKO or its establishment. I believe [redacted]' matter has been resolved to her satisfaction and AMKO AUTO always looks forward to better serving the Community.If there are any further questions or concerns, please feel free to contact me at the above-qumber. Thank you in advance.