Dealer Finance of Western Kentucky

Revdex.com: I have reviewed the response made by the business in reference to complain [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [My Chapter was dismissed on September 2, the only thing I received from the company was a statement showing how much I owed them after the reposession had taken place There was never any attempts of contact from [redacted] Just as they where unaware of a payment that came in after the repossessionI rightfully feel that if a company could accept and cash in a payment for a vehicle that is no longer in the customers possession that I should be allowed to had made the remaining payment ] Regards, [redacted] ***

Dated: 11/17/ [redacted] [redacted] ***I have reviewed the Complaint filed by the customer and the circumstances around the repossession of the vehicle that was collateral for her loanOur records indicate that just prior to this customer’s car being repossessed she was in a chapter bankruptcy In April of the customer requested and received a suspension of payments until June 30th of (due to financial hardship) When the customer did not make payments or respond to the bankruptcy court by June 30th the trustee on 07/21/ file a motion again asking for the customer to comply with the “temporary suspension order”When the customer still did not comply the bankruptcy court dismissed the case per the trustee’s request The bankruptcy was not “discharged” it was dismissedSince neither the Bankruptcy court nor DFWK had received any communication from the customer, we decided we needed to repossess the vehicle and it was repossessed on 09/28/2016.The customer did at that time communicate with several of our employees about getting her vehicle backWhen we told her the amount still due to payoff the vehicle she expressed her disagreement with the remaining balance dueWe furnished the customer with a loan history and on several occasion discussed the loan history with herWe told her that if she could show proof of any payments made that we had not posted we would certainly give her credit On 10/05/we mailed the customer a payoff letter giving the customer an additional opportunity to payoff the loanWe have reviewed our loan records again after receiving the Revdex.com complaint, however, we do not see that we made any errors in how we processed this loan or in the payoff we quoted the customer Let us know if there is any additional information we can provide [redacted] ***

We reviewed all accounts and all have been reported to the credit bureauOne of the accounts in question just recently paid off, therefore it will not show paid until the bureau updates the customer's fileWith regard to the other account in question paying off a couple of months ago we submitted another request to the bureau to update the file and show it paid offDocuments were mailed to the customer to help resolve this matter with the Transunion and Equifax showing accounts paid in fullAdditionally a phone message was left for the customer explaining the documents

I have reviewed Mr [redacted] 's payment history and found the credit bureau reporting is accurate The customer's payment was days late for theAugust 2017, Sept 2017, Oct 2017, and Nov due dates Mr [redacted] chose to call in phone payments for these months When a customer calls in aphone payment it is not immediately posted to their loan If the phone payment is called in before our daily cutoff period the payment wouldtypically post the next day if funds are deposited from the customer's bank.Thanks, [redacted] ***, Office ManagerDealer Finance of Western KY, LLC.Automobile Finance, LLC.RTO Group, LLC[redacted] [redacted] ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Revdex.com:
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.
[Provide details of why you are not satisfied with this resolution. Please respond here ONLY]
Regards,
[redacted] you might want to send it back to the original creditors. I don't give third party to sail my information to be sold.

[redacted]
[redacted]
[redacted]To: Revdex.com, Inc 11/28/2016 
[redacted]   The money that was applied to the customer’s account after the repossession was money that was held by the bankruptcy trustee. (the last time money was actually received by the trustee was about December of 2015) It is normal for a dismissed Bankruptcy to pay out any remaining money held by the Trustee to a creditor after the Bankruptcy is dismissed. The money did not catch the loan current, the loan was matured (as of 03/11/2016) at the time of the repossession. (therefore the entire payoff  was due) The Bankruptcy money when received was applied to the customer’s loan reducing the amount owed on the customer’s loan payoff. As for DFWK not contacting the customer after the bankruptcy was dismissed, it was not our responsibility to contact the customer. In the vast majority of dismissed Chapter 13 bankruptcies either the customer or their attorney would contact the creditor if they want to “work out” a payment plan that would allow the customer to keep their car. (DFWK has often agreed to reduced payment plans for customers even though we are not obligated to do so)  Given the customer’s non response to the Bankruptcy court’s effort to allow her to work out a payment plan with them, we had no reason to believe the customer wanted to work “something out” on this account. The Bankruptcy court would most likely have given the customer even more time had she contacted them with any sort of reasonable payment arrangements. It is unfortunate that this customer’s vehicle ended up being repossessed, however, the past due status of the account and the lack of communication that created this situation was not caused by DFWK.   [redacted]
 
 
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Revdex.com:
I have reviewed the response made by the business in reference to complain[redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[My Chapter 13 was dismissed on September 2, the only thing I received from the company was a statement showing how much I owed them after the reposession had taken place.  There was never any attempts of contact from [redacted]  Just as they where unaware of a payment that came in after the repossession. I rightfully feel that if a company could accept and cash in a payment for a vehicle that is no longer in the customers possession that I should be allowed to had made the remaining payment.  ]
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
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 for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

We reviewed all accounts and all have been reported to the credit bureau. One of the accounts in question just recently paid off, therefore it will not show paid until the bureau updates the customer's file. With regard to the other account in question paying off a couple of months ago we submitted...

another request to the bureau to update the file and show it paid off. Documents were mailed to the customer to help resolve this matter with the Transunion and Equifax showing accounts paid in full. Additionally a phone message was left for the customer explaining the documents.

Dated: 11/17/2016 [redacted]  [redacted]I have reviewed the Complaint filed by the customer and the circumstances around the repossession of the vehicle that was collateral for her loan. Our records indicate that just prior to this customer’s car being repossessed she was in a...

chapter 13 bankruptcy.   In April of 2016 the customer requested and received a suspension of payments until June 30th of 2016. (due to financial hardship) When the customer did not make payments or respond to the bankruptcy court by June 30th the trustee on 07/21/2016  file a motion again asking for the customer to comply with the “temporary suspension order”. When the customer still did not comply the bankruptcy court dismissed the case per the trustee’s request.  The bankruptcy was not “discharged” it was dismissed. Since neither the Bankruptcy court nor DFWK had received any communication from the customer, we decided we needed to repossess the vehicle and it was repossessed on 09/28/2016.The customer did at that time communicate with several of our employees about getting her vehicle back. When we told her the  amount still due to payoff the vehicle she expressed her disagreement with the remaining balance due. We furnished the customer with a loan history and on several occasion discussed the loan history with her. We told her that if she could show proof of any payments made that we had not posted we would certainly give her credit.  On 10/05/2016 we mailed the customer a 10 payoff letter giving the customer an additional opportunity to payoff the loan. We have reviewed our loan records again after receiving the Revdex.com complaint, however, we do not see that we made any errors in how we processed this loan or in the payoff we quoted the customer.  Let us know if there is any additional information we can provide. [redacted]

I have reviewed Mr. [redacted]'s payment history and found the credit bureau reporting is accurate.  The customer's payment was 30 days late for theAugust 2017, Sept 2017, Oct 2017, and Nov 2017 due dates.  Mr. [redacted] chose to call in phone payments for these months.  When a...

customer calls in aphone payment it is not immediately posted to their loan.  If the phone payment is called in before our daily cutoff period the payment wouldtypically post the next day if funds are deposited from the customer's bank.Thanks,[redacted], Office ManagerDealer Finance of Western KY, LLC.Automobile Finance, LLC.RTO Group, LLC.[redacted]

Response:We received a Statutory Declaration from the customer stating the debt with DFWK, LLC. was not his and he denies it as a valid debt. A letter was issued to the customer on April 20th asking for more information concerning his document and what he is requesting we do. The customer did not...

respond to our letter. In response to the complaint asking us to remove this account from his credit bureau.... We verified all personal information and the debt was taken out by this customer and the credit bureau rating we believe is accurate as an unpaid debt with our company. Additionally today I will send an email to the customer letting him know he may request a copy of the loan documents he signed.

To Whom It May Concern: We have spoken to the customer in regards to her complaint. We told her we were sorry she felt as though we acted in a way that appeared unprofessional. Our collectors strive to conduct themselves in a professional manner and take customer service seriously. After...

speaking with the customer we feel that the situation is resolved and if desired they may speak directly with a member of management when making payment arrangements. Thank you,   [redacted]Dealer Finance of Western KY, LLCAutomobile Finance333 Broadway, Suite 800PO Box 1078Paducah, KY 42002(P) ###-###-####(F) ###-###-####