First Investors Financial Services

It was an error.  This has been addressed.  We are closing this complaint.  If you provide a letter from the dealership indicating that you did not submit the credit application or if you provide an identity theft affidavit or police report alleging identity theft, tehn we will remove the inquiry.  Otherwise, we will not respond.  You may send those items to jonathan.[redacted]@fifsg.com.  Of course, if you did apply for financing, the inquiry is valid.

The information being furnished to the credit bureaus is accurate base on the date the payoff was received.  That being said, we will agree to remove it solely as a courtesy since the payoff was submitted by a third party.

Revdex.com:
This letter is to inform you that First Investors Financial Services has carried out to my satisfaction the resolution it proposed for my complaint, filed on 9/6/2016 and assigned ID [redacted]
Regards,

Revdex.com:
The payments were deducted from my bank account which is why my bank [redacted] made several attempts to do conference calls between them myself and first investors. But when we called we were told by numerous representatives that since my file has been sent to the collection department with the attempt to sale at aunction, there will be no attempts of finding missing payments. If I'm concerned about missing payments I would need to pay the balance in full then my file will be sent back to customer service. Once that happens they will open and investigation. The point of me filing a Revdex.com complaint is solely because I made the payments! The were deducted from my account! The last statement I received from this company was May statement which has my current address on it. Since then I have not received any letters, statements or anything. So if the payments were being deducted from my account and I received no notice from this company why would I assume the account is in bad standing. The money came out of my account! I have my bank statements as well as the transaction codes from my financial institution. I can't afford to pay something I already paid. So if and when first investors sale my car I will consult an attorney. I have my last statement dated June 2016 which has my current address on it as well as the postage, I have my bank statements and I also have written notice from my bank that they tried to do a conference call but first investors decline. First investors did not handle this repose ion according to state law. A complaint has also been filed with the department of labor and regulations and all documents of proof was attached this company is fraudulent 
Regards,

This complaint is without merit and erroneous. We received a dispute from this consumer and provided a written response on June 30, 2015. In the response we informed him that the credit inquiry is in connection with Application Number [redacted] which was received on 8/16/14. The application was...

submitted through [redacted]. The email address on the credit application matches the one on the Revdex.com complaint. In addition, the address on his letter from June 2015 also matches the address on the application. Therefore, we had a permissible purpose to obtain a credit report based on an application for credit. The inquiry is valid.

There is not a resolution.  We are unable to remove a valid inquiry. You have already. Admitted that a credit application was submitted.  We are closing this complaint.  You need to contact the dealership. Have your attorney contact me at [redacted]:

We have coded the [redacted] so that the customer will only receive monthly servicing statements.  That being said, please be advised that the account is currently 77 days delinquent.  A right-to-cure letter was issued to the customer and was returned as unclaimed.  The deadline has...

expired and the collateral is subject to repossession.  The customer will not receive further reminder contacts or loss mitigation contacts to save the account.  If the customer wishes to avoid default remedies, then it is important for her to contact us.

Thank you for contacting us. Your account was settled in full on or about 12/15/2015. Unfortunately, the account was then placed in the wrong status. We have corrected that issue and attached is the SIF letter. The contract will be sent to you soon via [redacted]. I have also coded your account so that no one will contact you. The balance on the account is $0 and you do not owe us anything. We apologize for the delay. Please feel free to contact me at [redacted] if you have any questions or concerns.

Payment reminder calls were made to the customer based on the account being seriously delinquent. The customer submitted a facsimile of 2/1/2016 which requested no further contact. The account was placed in full cease and desist status. The customer was notified of the action taken by First...

Investors. Although the account is not subject to the [redacted], we have policies and procedures that comply with and even go beyond the [redacted]. This includes honoring all contact preferences and do not contact requests. The customer has indicated that he would like to voluntarily surrender the collateral and the only contact that he will receive will be legally required letters.

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.  
Understanding your claims of this being an error; incompatibility does not justify breaching the law; and or your statement regarding your policy and procedures. It's in your words "errors" that creates harm and harassment towards customers. As any reputable company would know; the company would still be held accountable for its "errors" in a court of law.
Regards,

We have conducts a thorough search of the account notes and documents submitted for the account and this is the first time it has been brought to our attention.  Our search of the [redacted] database indicates the following: "Feb-06-2014 Jul-08-2014 Yes [redacted]"  The customer was...

eligible for the [redacted] rate reduction during that time.  Despite the late notice, we will honor the [redacted] request due to our commitment to comply with both the legal requirements and the spirit of the [redacted].  We have credited $1,381.07 to the account.  Per the customer’s request, $441.13 was applied to the principal balance and $939.94 was applied as regular payments for the September and October payments.  If the customer receives active duty orders going forward, we strongly recommend submitting the orders as disclosed on the reverse of the monthly servicing statement.  Best regards.

We have nothing further to state. There was no violation of law. We will not contact him other than notifying him about the sale of the collateral and the resulting deficiency balance. The consumer is free to do as he pleases.

[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.

Revdex.com:
This letter is to inform you that First Investors Financial Services has carried out to my satisfaction the resolution it proposed for my complaint, filed on 8/24/2016 and assigned ID [redacted]
Regards,
[redacted]

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.  
First Investors Financial Services,     It seems you're not interested in resolving or looking into this issue further. Please email me a copy of the authorization you claim you have as well as the contact information for your general counsel so I may forward that on to my lawyer. Thank you.

Thank you for contacting us. Your account was settled in full on or about 12/15/2015. Unfortunately, the account was then placed in the wrong status. We have corrected that issue and attached is the SIF letter. The contract will be sent to you soon via [redacted]. I have also coded your account so...

that no one will contact you. The balance on the account is $0 and you do not owe us anything. We apologize for the delay. Please feel free to contact me at [redacted] if you have any questions or concerns.

We have no further comments.  Pre-repossession notices were provided to the address she provided and we discontinued payment reminder calls at her request.  We believe the customer knew the status of the account and she now has the right to reinstate if she chooses by the deadline.  Again, we will consider any evidence from her bank that indicates payments were debited from her account by us.  We obviously do not refuse valid payments.