Dwight Financial Inc.

When my wife S*** was on the phone trying to resolve the issue with Dwight there was never a discussion that she said to come and pick up the jet ski and never told the other company to come and get it because she never talked to the other company only DwightWe were trying to settle this issue with no further actions and Dwight insisted that they would not help us even though we said we would pay the amount due and then pay the other fee ontop of next months paymentRobin the manager of the facility was super rude on the phone to me and when I tried to discuss anything with her she refused to even want to listen or even help and said that she won't do anything and to just give her the jet skiI then went on to asking her why they kept on calling my house from 8am til 9-10pm at night and even calling my work and my cell phoneShe insisted they weren't calling when the lady named paulette (not sure spelling) is the one that keeps leaving the messages on our phone at home and our cell phonesWhen I called to get the Western Union information it was Paulette that answered the phone and confirms that she is calling from Dwight.
This has been a ongoing issue with Dwight and we have tried several times this year to talk to them to discuss arrangements and to explain what is going on and why we are behind but they always tell us that they do not help and allow to pay most of the payment and then pay the rest on top of the next paymentI was also informed from Robin that she claims that she can put in the paperwork for repossesion the day after the payment is due and she doesn't have to give the day grace period.
I feel they should pay the $"fee" because the ski was never picked up and the company came to my house once saying that they are only here to make contact with us to call Dwight to settle the issueWhen we did call Dwight we were told over the phone that the company was coming out to do a "check" on us to see about payment and that since we were only a month back we were ok and the ski would not be taken from usThis all happened in the begining of November and we told them what is going onThe jet ski was never taken from us at all and we have never said "come and get it" to anyone that's why we feel that us having to pay this "fee" is ridiculous.
I also contacted my insurance company and told them why I needed paperwork sent to them and they told me that they should already have all of that electronically so there should be no need for itWe also do not have a history of not having insurance on the skiWe have had insurance on it since the day we bought it and even provided proof thenThe only time it showed we didn't have insurance is when we couldn't pay by the date hey wanted because we got paid the next day and we even sent over papers showing it was intactI was also informed if I didn't show them insurance it would be repossesed even though they have it electronically in their system and from DMV

When *** purchased his vehicle, he agreed, as a condition of the loan, to use automatic payments to pay his loanSo far ,
Payment# 1, due December 5, On December 4, 2013, *** called DFI and changed his
automatic bank information for the December 5, 2014, payment On December 13,2013, *** called and stated that he would send a *** *** ("**") to replace the check for payment# that was going to be returned to DFI On December 16, 2013, DFI was notified that payment# was not honored by his bank and it was returned as unpaid On December 16, 2013, *** called DFI with a ** tracking number
Payment# 2, due January 5, On January 13, 2014, DFI was notified that payment# was not honored by his bank and it was unpaidDFI did not charge a NSF fee to *** On January 14, 2014, DFI called *** and left a message on his answering machine to contact us On February 3, 2014, *** informed DFI that he had closed the bank account information provided to DFI on December 4, 2013, and he provided new, bank, routing and account informationHe asked if he could set back his monthly payments from the of the month to the 7th of the month DFI accommodated is request
Also, on February 3, 2014, RideNow Boulder called DFI for a loan payoff
Payment# 3, due February 5, On February 18, 2014, DFI was notified that payment# was not honored by his bank and it returned as unpaid On February 19, 2014, DFI called *** and left a message for him to contact us On February 19, 2014, *** called and informed us that he would be send WU the next day and he would call us with the WU tracking number On February 20, 2014, *** broke his promise, he did not: Call DFI Send a WU On February 24, 2014, *** at *** *** called for a payoff and stated that a check would be mailed to DFIOn February 28, 2014, DFI received an insurance cancellation notice On March 6, 2014, DFI contacted *** at *** *** {"**") and she informed us that the deal was not finalized; so, UN it had not mailed the payoff yetOn March 7, 2014, *** called DFI regarding an insurance lapse letter He informed DFI that he had traded in the bike for a car We advised *** that he: Needs to bring the account current Carry insurance until DFI has been paid in full *** promised to contact the car dealership for an update
On March 7, 2014, DFI: Processed the monthly payment that was applied to his February 7, 2014, payment since *** had not replaced the dishonored check Called *** and advised him that the March 7, 2014, payment was still dueThe person that answered the phone hung up on the DFI associate On March 12, 2014, *** contacted DFI and stated that he would be sending a $WU to DFI on March and that he would call DFI with the WU tracking number after he sent itWe asked *** to keep us posted with any changes On March 17, 2014, *** at ** called to ask for: A loan payoff An address to mail a check On March 18, 2014, DFI received proof of insurance from a new carrier On March 21, 2014, *** called and stated that he would: Make a half payment today Make up the other half on April 4, On March 21,2014, DFI received approximately a half payment
On April 4, 2014, DFI did not receive the balance of the March 7, 2014, payment On May 5, 2014, *** called and stated that he did not want DFI to process a payment on May 7, 2014, that would have been applied to the balance of the April7, 2014, payment and a portion of the May paymentAlthough he had a history of breaking his promises, he asked for yet another extension to make the balance of his April 7, 2014, payment
*** was informed that: He had promised to pay the balance of his March 7, 2014, payment on April 4, 2014, and he broke that promiseHe had not paid the balance of the April 7, 2014, payment He was almost due for the May 7, 2014, payment
A suggestion was made that: AIf he could not afford the vehicle, he could voluntarily return it BHe attempt to borrow enough money so that the May 7, 2014, payment would clear his bank account Keep in mind that if the May 7, 2014, check did clear, the funds would be applied to: The remaining balance due for April 7, A portion of the May 7, 2014, payment CHe send to us a WU by May 17, Once again, if *** does send a WU by May 17, 2014, the funds will be applied to: The remaining balance due for April 7, A portion of the May 7, 2014, payment

Tell us why here
Dwight Financial, Inc
size="3">
PO Box
Phoenix,
AZ 85011-
(602) 789-
p
(602) 789-
f
Certified Mail,
Receipt Return
Requested to *** and *** ***
July 12,
Unnamed
Conciliation & Engagement Specialist
RevDex.com
E Missouri
Phoenix,
AZ 85014-
Re: Customer: *** & *** ***
Revdex.com Complaint #: 1154-
Dear
Unnamed Conciliation & Engagement Specialist:
Mr
Tipple has represented to you that his correspondence relates to “selling
practices” for:
Product/Service: *** *** ** ***
Purchase Date: 9/15/
Problem Occurred: 7/6/
Model: LM
Account Number:
Order Number: ***
Please
ask the Tipples to provide documentation that Dwight Financial Inc(‘DFI”) sold
the above-referenced vehicle to themDFI reserves the right to amend its
answer if the Tipples provide evidence that they purchased the vehicle from DFI.
The
following answer is based upon DFI being the financer, not the seller,
of the vehicle:
DFI has contacted that State of Texas and
confirmed that it should not complete the “Texas Sales and Use Tax Corrections
Form.”
Sincerely,
Craig
H***
cc: *** and *** ***

Tell us why here
Dwight Financial, Inc
size="3">
PO Box
Phoenix,
AZ 85011-
(602) 789-
p
(602) 789-
f
Certified mail,
Receipt Return
Requested
June 27,
Conciliation
& Engagement Specialist
RevDex.com
N 12th Street
Phoenix,
AZ 85014-
Re: Customer: *** ** ***
Revdex.com Complaint #: 1150-
Conciliation
& Engagement Specialist:
Because
your website would not permit us to copy the answer into the response field, it
was faxed to you on June 20, 2016. Since
you have conveniently misplaced the fax, it, along with the fax confirmation,
will now be sent to you certified mail, receipt return requested
Sincerely,
Craig H***
Enclosure
June 20, fax

I am a finance director at a Texas power sports businessI have worked with several other secondary lenders or special finance lenders and must say that I have nothing but Kuddos for this companyAll employees are professional in dealing with me and work hard at trying to find a way the create the opportunity for the customer to finance the purchaseDiscount fees are more than reasonablethey are timely in responding to applications I submit and Management maintains an open line of communications with me Enjoy doing business with them and have not heard any negative feedback from our customerKeep up the Great work

When [redacted] made his third payment to DFI for June 20, 2015, it was returned by his
bank as NSF. ...

Since J[redacted] refused to
replace the NSF, when he made his fourth payment, it was applied to payment
number three.  So, J[redacted] still owes his
July 20, 2015, payment.  This means that
he is more than 180 days delinquent on his account.  Further, he refuses to surrender the vehicle.
On
January 8, 2016, it was explained to him that since he refuses to surrender the
collateral, a civil action would be brought against him. At that time he stated
that he would be happy to explain his position to the court. J[redacted] confirms this in the next to the last
sentence in his correspondence to you.
In
[redacted] complaint, he stated that this matter started in September 2015.  It actually started with his June 20, 2015,
NSF check. It continued because he did not made payment number four that was
due on July 20, 2015. Furthermore, on September 15, 2015, we received a notice
of cancellation from Drive Insurance. 
This is another event of default.
The
types of letters that have been mailed to J[redacted] are:
            Late notices
            Demand letters
            Requests for proof of insurance
letters

face="Calibri">On November 4, 2015, S[redacted]nformed
us that she would send a Western Union payment in the amount of $409.42 by the
end of that week which would have been November 6, 2015.  We did not receive
that payment.
As of November 16, 2015, because the
Western Union had not been received, the repossession assignment was closed and
the account was placed with a different firm to attempt to obtain the vehicle.
On November 17, 2015, [redacted]
informed the second company that she would allow the vehicle to be picked up.
On November 18, 2015, [redacted] called us
and he was informed that he must pay the delinquent payment plus the fees that
were due as a result of the broken promise.  When it was explained to [redacted]hat once the vehicle was repossessed, he would be given 20 days to bring the
account current, plus, if he asked for it, a 10-day extension, he hung up the
phone. Because there has been a history
of canceled insurance, a request was made to provide proof that the insurance
policy is still in force.
Over a span of the past 28 months, nine
letters, notifying [redacted] of a delinquency status, have been mailed to them. 
Additionally, between September 29 and October 15, 2015, four messages were
left on their tape machine asking them to call us.  Not one call was
returned until November 4, 2015, when [redacted] called and made the promise to
pay.  If [redacted] had kept her November 4, 2015, promise to pay, or at
least notified us of a different, acceptable, arrangement before November 16,
2015, the account would not have reached this level. Because they broke the
November 4, 2015, promise to pay, additional fees have been incurred to obtain
the collateral and [redacted] wants us to pay those fees for him.
After the section above was prepared, on
November 19, 2015, a Western Union payment was received that paid the
delinquent payment and the fees due to the two firms.  [redacted] and [redacted] also provided proof of
insurance.

Dwight Financial. Whew! After dealing with the business on Peoria Ave in Phoenix, I'm not sure where to begin. The customer service (or lack there of) sucks. They lie to you, try to deceive you, and even add fees to everything. They are strictly in it for the greed. Robin and Paulette. Their job application must require the following: If you lack morals or integrity, have no conscious, decency, or compassion, and no ethics or sense of right or wrong; and can sleep comfortable at night knowing you have fked over someone, come join our work force. Because we don't give a [redacted]! Their motto is [redacted] you, pay me! To anyone thinking of a loan, look elsewhere. I'm not a hater at all, but this is one company to avoid at all costs.

This finance company is horrible! Hidden fees and undisclosed fees are second nature to this dispicable company. They are very unprofessional and lack any type of costumer service.

The following is Paulette’s end-of-the day, clock-out times

for the period of time from November 4 to 19, 2015:

                November          Day                        Clock-out

                4                       Wed               ...⇄ 5:30 p

                5                       Thr               ...⇄ 5:49 p

                6                       Fri                          5:31 p

                7                       Sat                         

                8                      Sun

                9                      Mon                        6:50 p

                10                    Tue                         6:32 p

                11                    Wed                 �...⇄  Off

                12                    Thr                 �...⇄ 5:27 p

                13                    Fri                 �...⇄ p

14                       Sat              �...⇄ />
15                       Sun

16                       Mon              �...⇄ 5:32 p

17                       Tue              �...⇄ 5:50 p

18                       Wed              �...⇄ 6:36 p

19                       Thr              �...⇄ p

According to Paulette, after her

final clock-out at the end of a day, she has never called a DFI customer.

Five insurance company notices should be attached to this

reply:

                Four

cancellation notices

                One

notice of policy expiration

 

The DMV does not supply to us, as the lienholder, an

electronic file of the cancellation notices.

When [redacted] made his third payment to DFI for June 20, 2015, it was returned by his

bank as NSF. ...

Since J[redacted] refused to

replace the NSF, when he made his fourth payment, it was applied to payment

number three.  So, J[redacted] still owes his

July 20, 2015, payment.  This means that

he is more than 180 days delinquent on his account.  Further, he refuses to surrender the vehicle.

On

January 8, 2016, it was explained to him that since he refuses to surrender the

collateral, a civil action would be brought against him. At that time he stated

that he would be happy to explain his position to the court. J[redacted] confirms this in the next to the last

sentence in his correspondence to you.

In

[redacted] complaint, he stated that this matter started in September 2015.  It actually started with his June 20, 2015,

NSF check. It continued because he did not made payment number four that was

due on July 20, 2015. Furthermore, on September 15, 2015, we received a notice

of cancellation from Drive Insurance. 

This is another event of default.

The

types of letters that have been mailed to J[redacted] are:

            Late notices

            Demand letters

            Requests for proof of insurance

letters

This company is a predatory lender with horrible customer service. You miss a payment, they hike the interest rate up on you and hire the same private investigators to call and harass you and your references, telling them every detail about your purchase. I would miss several payments every so often but would always bring my account back to good standing when I could. Most recently I called and found out that I have paid over $6,000 dollars on a $16,000 loan and still owe more than $14,000 How is that legal? It's not.

I am a finance director at a Texas power sports business. I have worked with several other secondary lenders or special finance lenders and must say that I have nothing but Kuddos for this company. All employees are professional in dealing with me and work hard at trying to find a way the create the opportunity for the customer to finance the purchase. Discount fees are more than reasonable. they are timely in responding to applications I submit and Management maintains an open line of communications with me. Enjoy doing business with them and have not heard any negative feedback from our customer. Keep up the Great work.

Dwight Financial. Whew! After dealing with the business on Peoria Ave in Phoenix, I'm not sure where to begin. The customer service (or lack there of) sucks. They lie to you, try to deceive you, and even add fees to everything. They are strictly in it for the greed. Robin and Paulette. Their job application must require the following: If you lack morals or integrity, have no conscious, decency, or compassion, and no ethics or sense of right or wrong; and can sleep comfortable at night knowing you have fked over someone, come join our work force. Because we don't give a [redacted]! Their motto is [redacted] you, pay me! To anyone thinking of a loan, look elsewhere. I'm not a hater at all, but this is one company to avoid at all costs.

face="Calibri">On November 4, 2015, S[redacted]nformed

us that she would send a Western Union payment in the amount of $409.42 by the

end of that week which would have been November 6, 2015.  We did not receive

that payment.

As of November 16, 2015, because the

Western Union had not been received, the repossession assignment was closed and

the account was placed with a different firm to attempt to obtain the vehicle.

On November 17, 2015, [redacted]

informed the second company that she would allow the vehicle to be picked up.

On November 18, 2015, [redacted] called us

and he was informed that he must pay the delinquent payment plus the fees that

were due as a result of the broken promise.  When it was explained to [redacted]hat once the vehicle was repossessed, he would be given 20 days to bring the

account current, plus, if he asked for it, a 10-day extension, he hung up the

phone. Because there has been a history

of canceled insurance, a request was made to provide proof that the insurance

policy is still in force.

Over a span of the past 28 months, nine

letters, notifying [redacted] of a delinquency status, have been mailed to them. 

Additionally, between September 29 and October 15, 2015, four messages were

left on their tape machine asking them to call us.  Not one call was

returned until November 4, 2015, when [redacted] called and made the promise to

pay.  If [redacted] had kept her November 4, 2015, promise to pay, or at

least notified us of a different, acceptable, arrangement before November 16,

2015, the account would not have reached this level. Because they broke the

November 4, 2015, promise to pay, additional fees have been incurred to obtain

the collateral and [redacted] wants us to pay those fees for him.

After the section above was prepared, on

November 19, 2015, a Western Union payment was received that paid the

delinquent payment and the fees due to the two firms.  [redacted] and [redacted] also provided proof of

insurance.

When [redacted] purchased his vehicle, he agreed, as a condition of the loan, to use automatic payments to pay his loan. So far ,

Payment# 1, due December 5, 2013 On December 4, 2013, [redacted] called DFI and changed his...

automatic bank information for the December 5, 2014, payment On December 13,2013, [redacted] called and stated that he would send a [redacted] ("**") to replace the check for payment# 1 that was going to be returned to DFI On December 16, 2013, DFI was notified that payment# 1 was not honored by his bank and it was returned as unpaid On December 16, 2013, [redacted] called DFI with a ** tracking number

Payment# 2, due January 5, 2014 On January 13, 2014, DFI was notified that payment# 2 was not honored by his bank and it was unpaid. DFI did not charge a NSF fee to [redacted] . On January 14, 2014, DFI called [redacted] and left a message on his answering machine to contact us On February 3, 2014, [redacted] informed DFI that he had closed the bank account information provided to DFI on December 4, 2013, and he provided new, bank, routing and account information. He asked if he could set back his monthly payments from the 51  of the month to the 7th of the month DFI accommodated is request

  Also, on February 3, 2014, RideNow Boulder called DFI for a loan payoff

Payment# 3, due February 5, 2014 On February 18, 2014, DFI was notified that payment# 3 was not honored by his bank and it returned as unpaid On February 19, 2014, DFI called [redacted] and left a message for him to contact us On February 19, 2014, [redacted] called and informed us that he would be send WU the next day and he would call us with the WU tracking number On February 20, 2014, [redacted] broke his promise, he did not: Call DFI Send a WU On February 24, 2014, [redacted] at [redacted] called for a payoff and stated that a check would be mailed to DFI. On February 28, 2014, DFI received an insurance cancellation notice On March 6, 2014, DFI contacted [redacted] at [redacted] {"**") and she informed us that the deal was not finalized; so, UN it had not mailed the payoff yet. On March 7, 2014, [redacted] called DFI regarding an insurance lapse letter.  He informed DFI that he had traded in the bike for a car.  We advised [redacted] that he: Needs to bring the account current Carry insurance until DFI has been paid in full [redacted] promised to contact the car dealership for an update

On March 7, 2014, DFI: Processed the monthly payment that was applied to his February 7, 2014, payment since [redacted] had not replaced the dishonored check Called [redacted] and advised him that the March 7, 2014, payment was still due. The person that answered the phone hung up on the DFI associate On March 12, 2014, [redacted] contacted DFI and stated that he would be sending a $270 WU to DFI on March 21 and that he would call DFI with the WU tracking number after he sent it. We asked [redacted] to keep us posted with any changes On March 17, 2014, [redacted] at ** called to ask for: A loan payoff An address to mail a check On March 18, 2014, DFI received proof of insurance from a new carrier On March 21, 2014, [redacted] called and stated that he would: Make a half payment today Make up the other half on April 4, 2014 On March 21,2014, DFI received approximately a half payment

  On April 4, 2014, DFI did not receive the balance of the March 7, 2014, payment On May 5, 2014, [redacted] called and stated that he did not want DFI to process a payment on May 7, 2014, that would have been applied to the balance of the April7, 2014, payment and a portion of the May 7 payment. Although he had a history of breaking his promises, he asked for yet another extension to make the balance of his April 7, 2014, payment.

[redacted] was informed that: He had promised to pay the balance of his March 7, 2014, payment on April 4, 2014, and he broke that promise. He had not paid the balance of the April 7, 2014, payment He was almost due for the May 7, 2014, payment

A suggestion was made that: A. If he could not afford the vehicle, he could voluntarily return it B. He attempt to borrow enough money so that the May 7, 2014, payment would clear his bank account.  Keep in mind that if the May 7, 2014, check did clear, the funds would be applied to: The remaining balance due for April 7, 2014 A portion of the May 7, 2014, payment C. He send to us a WU by May 17, 2014.  Once again, if [redacted] does send a WU by May 17, 2014, the funds will be applied to: The remaining balance due for April 7, 2014 A portion of the May 7, 2014, payment

Tell us why here...

Dwight Financial, Inc.

size="3">

PO Box 7397

Phoenix,

AZ  85011-7397

(602) 789-0712

p

(602) 789-0794

f

 

Certified mail,

Receipt Return

Requested

 

 

June 27, 2016

 

 

 

Conciliation

& Engagement Specialist

RevDex.com

4428

N 12th Street

Phoenix,

AZ  85014-4585

 

 

 

            Re:       Customer:        [redacted]

Revdex.com Complaint #:  1150-2446

                       

 

Conciliation

& Engagement Specialist:

 

Because

your website would not permit us to copy the answer into the response field, it

was faxed to you on June 20, 2016.  Since

you have conveniently misplaced the fax, it, along with the fax confirmation,

will now be sent to you certified mail, receipt return requested.

 

                                        ...⇄ />
 

 

                                        ...⇄ Craig H[redacted]

 

Enclosure

            June 20, 2016 fax

When my wife S[redacted] was on the phone trying to resolve the issue with Dwight there was never a discussion that she said to come and pick up the jet ski and never told the other company to come and get it because she never talked to the other company only Dwight. . We were trying to settle this issue with no further actions and Dwight insisted that they would not help us even though we said we would pay the amount due and then pay the other fee ontop of next months payment. Robin the manager of the facility was super rude on the phone to me and when I tried to discuss anything with her she refused to even want to listen or even help and said that she won't do anything and to just give her the jet ski. I then went on to asking her why they kept on calling my house from 8am til 9-10pm at night and even calling my work and my cell phone. She insisted they weren't calling when the lady named paulette (not sure spelling) is the one that keeps leaving the messages on our phone at home and our cell phones. When I called to get the Western Union information it was Paulette that answered the phone and confirms that she is calling from Dwight. 
 
This has been a ongoing issue with Dwight and we have tried several times this year to talk to them to discuss arrangements and to explain what is going on and why we are behind but they always tell us that they do not help and allow to pay most of the payment and then pay the rest on top of the next payment. I was also informed from Robin that she claims that she can put in the paperwork for repossesion the day after the payment is due and she doesn't have to give the 10 day grace period. 
I feel they should pay the $750 "fee" because the ski was never picked up and the company came to my house once saying that they are only here to make contact with us to call Dwight to settle the issue. When we did call Dwight we were told over the phone that the company was coming out to do a "check" on us to see about payment and that since we were only a month back we were ok and the ski would not be taken from us. This all happened in the begining of November and we told them what is going on. The jet ski was never taken from us at all and we have never said "come and get it" to anyone that's why we feel that us having to pay this "fee" is ridiculous. 
 
I also contacted my insurance company and told them why I needed paperwork sent to them and they told me that they should already have all of that electronically so there should be no need for it. We also do not have a history of not having insurance on the ski. We have had insurance on it since the day we bought it and even provided proof then. The only time it showed we didn't have insurance is when we couldn't pay by the date hey wanted because we got paid the next day and we even sent over papers showing it was intact. I was also informed if I didn't show them insurance it would be repossesed even though they have it electronically in their system and from DMV.

Tell us why here...

Dwight Financial, Inc.

size="3">

PO Box 7397

Phoenix,

AZ  85011-7397

(602) 789-0712

p

(602) 789-0794

f

 

 

Certified Mail,

Receipt Return

Requested to [redacted] and [redacted]

 

 

July 12, 2016

 

 

 

Unnamed

Conciliation & Engagement Specialist

RevDex.com

1010

E Missouri

Phoenix,

AZ 85014-4585

 

 

            Re:       Customer:        [redacted] & [redacted]

Revdex.com Complaint #:  1154-8181

                       

Dear

Unnamed Conciliation & Engagement Specialist:

 

Mr.

Tipple has represented to you that his correspondence relates to “selling

practices” for:

Product/Service: [redacted]

Purchase Date: 9/15/2015

Problem Occurred: 7/6/2016

Model: LM300

Account Number: 

Order Number: [redacted]

 

Please

ask the Tipples to provide documentation that Dwight Financial Inc. (‘DFI”) sold

the above-referenced vehicle to them. DFI reserves the right to amend its

answer if the Tipples provide evidence that they purchased the vehicle from DFI. 

 

The

following answer is based upon DFI being the financer, not the seller,

of the vehicle: 

DFI has contacted that State of Texas and

confirmed that it should not complete the “Texas Sales and Use Tax Corrections

Form.”

 

                                        ...⇄ Sincerely,

 

 

                                        ...⇄ Craig

H[redacted]

           

cc:  [redacted] and [redacted]