First Premier Financial, Inc

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

Initial Business Response /* (1000, 6, 2015/11/13) */
We have been in communication with customer regarding the trade inI spoke with Mr*** this morning and clarified with him that the vehicle has not been deemed a total loss, we have a diagnostics on the repairs and were willing to
complete a laser-frame inspection on the vehicleCustomer requested a trade, and we approved it contingent on getting his account currentIn todays conversation we clarified the requirements for the trade, the qualification process and negotiations to collect partial amount of his past due balanceMr*** agreed and will be going to the dealership this evening to trade in this vehicleHe will reach out to our office with any further questions or concernsThank you for your time
Initial Consumer Rebuttal /* (2000, 8, 2015/11/23) */
Yes they promptly help me get into a new car almost immediately after you guys had got in touch with them thank you so much for your help

AS SOON AS WE WERE MADE AWARE OF THE ACCIDENT WE ACTED TO RESOLVE THE SITUATION UPON REPAIRING THE VEHICLE NO ONE KNEW ABOUT THE HEAD GASKET AND AS THE CAR WAS TEST DRIVEN THIS WAS FOUND WE MADE THE ACCEPTION TO GIVE THE CUSTOMER A LOANER WHICH IS NOT A POLICY FOR OUR CUSTOMERS
THAT HAVE ACCIDENTS WE PROVIDE CPI FOR OUR CUSTOMERS THAT CAN'T AFFORD INSURANCE ON THEIR OWN WHICH MOST COMPANIES DONT DO THIS IS TO HELP IN SITUATIONS LIKE THIS IT IS IMPOSSIBLE TO GIVE AN EXACT DATE OF COMPLETION FOR THIS REPAIR BUT IT WILL BE COMPLETED SOON AGAIN WE HAVE GIVEN THIS CUSTOMER A LOANER VEHICLE AND AS EVERYONE ELSE INCLUDING MYSELF IF I HAVE AN ACCIDENT IN MY CAR MY FINANCE COMPANY STILL EXPECTS PAYMENT I WILL PERSONALLY LOOK INTO THE CUSTOMERS REPAIR TODAY AND HAVE APRIL GIVE THIS CUSTOMER A CALL

THIS HAS ABSOLUTELY NOTHING TO DO WITH COLLECTING MORE MONEY. NOMATTER HOW YOU PROCEED OUR COMPANY HAS LOST MONEY SINCE YOU DID NOT AVE 3RD PARTY INSURANCE. YOU HAVE HAD YOUR VEHICLE FOR YEAR AND HAVE A $13,BALANCE. THE CPI COVERAGE MAY PAY A FOURTH OF YOUR BALANCE AND WE WILL BE FORCED TO WRITE OFF OR LOSS THE REST. AGAIN THIS IS NOT AUTO INSURANCE, ITS COLLETERAL PROTECTION FOR THE COMPANY SO WE CAN RECOUP SOME OF OUR LOST. WE ARE ACTUALLY STILL LOSING MONEY IF YOU GET A NEW VEHICLE ITS JUST SOMETHING WE DO OUT OF COURTESY TO OUR CUSTOMERS THAT DIDN'T HAVE 3RD PARTY INSURANCE AS THE STATE LAW REQUIRES. WE WILL NOT JUST WRITE THIS TOTAL BALANCE OFF BECAUSE YOU HAD AN ACCIDENT

Complaint: ***
I am rejecting this response because: First I understand what they said however it seems to me they are only concerned about getting more moneyBecause what if a situation like mine happens and I don't want or think I can drive anytime soonSo how come they can't give the customer the option to not get another car and just be done with the whole thingEither way they would get paid for the vehicle and even if I could provide proof that it could be a serious concern for me to driveLike a note from a doctor saying driving would cause extreme anxiety to me and could be hazardousBut instead my only options are to continue paying for so.ething I don't have or to get into another car and pay for something I won't drive
Sincerely,
*** ***

I have reached out to this customer to see how we can get this issue resolved Please give me a call at ***(cell) or office *** *** *** (office)

My name is *** *** and I am the *** *** of First Premier Financial. Please give me a call at *** and I will personally take care of this for you. Thank you *** *** ***

this customer signed did return the vehicle but still has an outstanding balance. the customer misunderstood about just owing taxes since we will be sending him a for the balance of the vehicle. I will certainly update the file so this customer does not receive another phone
call

Initial Business Response /* (1000, 6, 2015/08/27) */
My name is *** *** and I am the Operations Manager at First Premier FinancialI apologize for the mistake that was made but this money was immediately refunded on the refunded back to the customers accountThe reason we say it takes 5-
days is each bank has their own policies on how they process refundsWe appreciate you as a customer and should you have any further issues please contact me personally at XXX-XXX-XXXX Ext
Initial Consumer Rebuttal /* (2000, 8, 2015/08/31) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am accepting Mr*** responseThe money was finally deposited into my account after days and this is the first non-solicited apology for the mistakeI will keep his phone number for future issues, hopefully I will not need to use it

I REACHED OUT TO THE CUSTOMER TODAY TO SEE WHAT I COULD DO TO HELP. I OFFERED TO FIX THE VEHICLE IF THERE WAS ANYTHING WRONG AT NO COST TO CUSTOMER AND ALSO REMOVE A PAYMENT AS A GOOD GESTURE. CUSTOMER CLAIMS LIVES TO FAR TO BRING VEHICLE BACK HERE WHEN IT BREAK AND I EVEN INFORMED
HIM WE COULD FIND A REPAIR VACILITY IN HIS AREA. CUSTOMER DECLINED THE OFFER AND INFOMED ME HE HAD PURCHASED ANOTHER VEHICLE THAT HE HAD TO PAY FOR

I reached out to the customer and explained the situation If your credit bureau reflects something negative I was not aware of that we can fix the credit bureau Again I will reach out to this customer Customer seems fine during our conversation so I am surprised by this response

I personally contacted the customer and apologized for any confusion Let her know account will not reflect past due since she received the letter late Asked customer if there was anything else I could do to help and she said no

I accept this, only BECAUSE IM TIRED AND GOOD WILL IR PLEASE SHUT HER UP...EITHER WAY...THATS ALL I WANTED!!! I WILL CONTINUE TO PAY MY PAYMENT ON TIME LIKE ALWAYSI KNOW THE THE TRUTH AS DO THEY...PLEASE NOTE I PUT PILLOW TO HEAD AT NIGHT JUST FINE!!!! HOPEFULLY THIS IS THE END OF THE ***

WE HAVE OFFERED ALL WE CAN TO HELP THE CUSTOMER WITH WHATEVER ISSUE HE MAY HAVE. EVEN IF THAT MEANS APPLYING WHATEVER THE CUSTOMER CAN PROVIDE RECEIPTS FOR TOWARDS THE PAYMENT. WHAT WE CANNOT DO IS FORGIVE THIS DEBT. IF THE CUSTOMER IS WILLING TO SIT DOWN WITH MYSELFT AND WORK OUT AN AGREEMENT TO MOVE FORWARD WITH THE LOAN I WILL DO EVERYTHING IN MY POWER TO ASSIST

I would like to apologize if you feel you were spoken down to it is our reps job to collect full payments since that is what you agreed to at the time of the loan it doesnt help when you are late on payments since this is a simple interest loan and this will cost you more money in
interestI would be willing to lower your payments with the explanation or paperwork for the hardship Please feel free to contact me at the number below.. thanks*** *** *** ***
***

I HAVE PERSONALLY SPOKE TO THIS CUSTOMER AND SHE DISTORTS THE TRUTH. SHE ALSO DOESN'T LISTEN TO WHAT ANYONE SAYS WHICH MAKES IT PRETTY HARD TO COMMUNICATE. I DON'T SCREAM WITH ANYONE BUT WON'T TALK TO SOMEONE THAT REFUSES TO LISTEN. WE HAVE MODIFIED THIS CUSTOMERS ACCOUNT AND SHE IS NOW CURRENT JUST AS GOOD WILL BUT I HAVE ALSO ATTACHED HER PAY HISTORY THAT CLEARLY SHOWS SHE WAS NOT CURRENT AND HASN'T BEEN FOR QUITE SOME TIME

Response: Hi ***, Just as a follow up to our phone call, we take this complaint very seriously and would like to make sure that the matter is resolvedWe are very familiar with this customer and in fact released a check to them months ago for damages in their apartmentLikewise, we have visited
their apartment several times to discuss any open issues, and spoken with them on the phone as wellWe would ask that you please check with this customer again to determine if this complaint should stay open; we remain committed to resolving any open issues with our customersIf there are any further questions, please feel free to contact me on my cell phone, *** If it is of any help, we would also be happy to introduce you to the property manager for that building, who can also speak to our efforts with the residents of *** ***thank you again for reaching out to us, Stephen

Wow this response is such *** I don't know if I should pull my hair out and scream or laugh hysterically!! If there is no problem and ask is well why a week after my car payment was made im getting emails addressed to my co-signer to please callThen I get a text from my co-signer that they are trying to get ahold of meSo on the same day I called and said I was calling to make sure they had my proper contact information the lady confirmed my phone number I said great and hung upThis was Jan 16th at 2:at 2:on Jan 16th the lady called back and said she wasn't sure what happens and thought we got discounted I said no we didn't I hung upShe said well we've been trying to get ahold of youI said not very hard you have the correct info she said your blannce is delinquent dollars I said no I'm not like I told the lady on Jan when she tried to tell me the same thingBut im driving right now and don't have time to set up and record this conversation I'll call back when I doI called and got into a screaming match with Mr*** *** himselfAfter calling twice to talk to him both times was told he was not in and I couldn't be transferred to his voice mailI had my cousin call he was told the same thing at *** was not in today my cousin asked to be transferred to his voice mail, he got transferredAnd long behold *** the man not in somehow answered his phone soI tried explaining to him that I was not late on a Payment and I could prove it I sent a fax times cause the first two times they did not receive it so I made sure they did I broke down what my payments were when they were paided the agreement that was made and a copy of my bank statementsWe just screamed at each other then he hung upNeedless to save nothing was resolved!! The whole *** *** is a *** right lie I didn't have the moneyReally are you kidding meLet me inform you how it really went on Dec I got picked up from work early to go get my car they were closed Dec *** could bout give me my car because it was not released to me Dec the car was still not released to me which then I had to call and ask why the paper work was not sent to *** to get my car back a few hours later they called said v it was sent I could get it tomorrowDec that's exactly what I did v went and got my car!!!!! And she don't have a report that is nonsense I do have detective *** called them not to mention it was in police impound FREE OF CHARGE TO ME FOR 35-DAYSHUUMMM FREE WHY IS THATBECAUSE IT WAS STOLEN!!!!!!! REGARDLESS OF VI KNEW WHO STOLE V MY CAR OR NOT IF YOU DON'T HAVE PERMISSION YOU STOLE SIMPLETHEY WONDER WHY I'M MAD SO SOUNDS LIKE EVERYTHING GOOD IM PAID UP CAUSE I PAID THE TOW FEE AND THEY WERE SO NICE TO CUT ME A KEY AND I'VE NEVER MISSED A CAR PAYMENT WERE GOOD 100% ?????
Sincerely,
Calendaria ***

We have assisted *** *** with her vehicle loan multiple times, including changing her due date because she changed jobs and assisting her in times of hardship by deferring payments until she can get back on her feet again. When we received the complaint, we reviewed her account and the
payment transaction history. We will document how we have already assisted *** *** in alone. In March, we were informed by *** *** that her engine had blown and the vehicle was not operable. We agreed that we would write her outstanding balance by 1/and adjust her payments to a reasonable amount that she could afford on a bi-weekly basis. For this agreement *** *** had to make reduced payment, which she made. We adjusted her account by almost $3,000. *** *** made the next several payments then she stopped paying. She also stopped answering/responding to our collection efforts. In early August, we charged off the account due to lack of communication and no payments. In late August, we received a phone call from *** *** indicating that she wanted to start making payments again and needed assistance again due to a job change. We reopened her account and *** *** made a substantial payment but did not bring her account current. This transaction happened in between credit bureau reporting. She was also to provide us with documentation of the job change so we could assist her with her due dates. In addition, she set up a promise to pay on 9/15/17, which she did not keep. She did not provide us with any documentation and has yet to make any additional payments (almost months later). When she called into our office in late September, she again asked for assistance but was unwilling to make even delinquent payment as a show of good faith. She has not and will not return any of our collection efforts. It is difficult to assist a customer when they are unwilling to communicate to the company they are asking for assistance from. As for the credit bureau reporting, if she doesn't make any additional payments her account will be reported as closed/derogatory. If she satisfies her agreement/account, we will report her account as closed/satisfactoryUnfortunately, it takes time, sometimes up to days to reflect certain change on the credit bureau

Initial Business Response /* (1000, 10, 2015/08/18) */
MY NAME IS *** *** AND I AM THE OPERATIONS MANAGER HERE AT FIRST PREMIER FINANCIALI HAVE READ MS***'S COMPLAINT AND HAVE TRIED TO REACH OUT TO HER SEVERAL TIMES ONLY FOR HER TO NOT RETURN ANY CALLWE HAVE TRIED CONTACTING HER
FOR THE PAST MONTH EVERYDAY AND SHE HAS NOT RESPONDEDWE HAVE MAILED MS *** HER ENTIRE PAYMENT HISTORY WHICH IS ACCURATETHE INSURANCE ISSUE WAS RESOLVED ON 3/26/ONCE WE RECEIVED THE DECLARATIONS PAGE VERIFYING HER INSURANCEAS FAR AS PLACING A PAYMENT TO THE BACK OF THE LOAN, THAT WILL NOT BE DONT UNTIL WE SPEAK TO THIS CUSTOMERMS *** IS DAYS PAST DUE AND HAS NOT PAID ON HER VEHICLE SINCE 7/13/HER ACCOUNT IS ACTUALLY UP FOR REVIEWWE HAVE BEEN EXTREMELY PATIENT WITH MS*** BUT THIS ACCOUNT HAS GOTTEN OUT OF HAND
Initial Consumer Rebuttal /* (3000, 12, 2015/08/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have only received one phone call from *** an angry nasty message left for *** *** by a "***", that they have left several messages for me and "this will be the last one"This was the first voice message I have receivedI have sent emails to both *** *** and *** *** explaining that I am not satisfied with their responseI have not spoken to anyone on the phone, as I explained to *** because I am always given different information from each time I call
Interesting that I am "days past due" when my last payment was on *** today being only *** I did receive a copy of all the payments that have been made since inception, and the accounting shows a full payment for every month since November
I will not be bullied by this company any longer, and am in the process of retaining an attorney*** refuses to respond via email, I believe because they don't want anything they say to be in writingI was promised a reprieve due to financial hardship, by *** and every other Representative I had spoken to on the phone, and they as a company need to honor that promise
I have also requested several times, to have my bi-weekly payment dates updated, so their computers no longer show I am lateThis request has also been ignored, which is I believe, why they show I am in default
Final Business Response /* (4000, 19, 2015/08/31) */
I, *** *** HAVE CALLED MS*** TIMES AND THE ONLY MESSAGE I LEFT WAS MY NAME AND POSITION WITH THE COMPANYI SPOKE TO MS*** THE DAY THE VEHICLE WAS REPOSSESSED AND ALL SHE SAID WAS YOU WILL HEAR FROM MY ATTORNEY AND HUNGWE CANNOT COMMUNICATE WITH A CUSTOMER THAT SENDS US A CEASE AND DESIST, CALLS US AND HANGS USI WILL BE REACHING OUT TO HER ATTORNEY TOMORROW BUT WE HAVE DONE EVERYTHING IN OUR POWER TO ASSIST THIS CUSTOMER INCLUDING SENDING HER TOTAL PAY HISTORY
Final Consumer Response /* (4200, 21, 2015/09/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have attached a copy of the email I sent to FPF, which proves I sent a Cease and Desist of the HARASSMENT I was receiving AT MY JOB, and the HARASSMENT OF MY CONTACTSIn the email I clearly am willing to work with FPF VIA EMAIL only, because I get different answers from everyone I speak to on the phoneAlso, as *** has clearly indicated in his response, he has changed his answer from "leaving me several messages" to only leaving one, and that one message wasn't even for meIt was for *** *** If I could attach that voice message to this complaint I would, just to prove how horrible this company is at doing businessWhen I received that voice message, I had no idea who *** was as he had NEVER left me any previous messagesI am not obligated to return a call that wasn't for me
Yes, I did receive a total pay history from FPF, which PROVED I WAS IN NO WAY LATE WITH MY PAYMENTSI have not received any response to the promise FPF made to defer one month of my loan to the back of it
When I last spoke to ***, I was angry because the DAY I had finally received a response via email by his Team Lead telling me she was willing to discuss my account via email, my car was repossessed, WHILE I WAS AT WORK, stranding me in BoulderWhen he got on the phone, he was very rude, refused to listen to me, so I told him my lawyer would be the next to contact themI have retained *** *** ***
I have attached more correspondence between myself and FPF, including an email where *** informed me she wasn't allowed to communicate via email, that she is prohibited and limited in what she can say via emailAgain, only a fraudulent company refuses to do business in writingI am not the typical customer they are used to dealing with, which is in my opinion why they choose to continue to drag this out through the Revdex.com and refuse to work with their customer where everything can be documentedAs documented in the attached emails to this complaint, It is not I who refuses to communicate, as *** has suggested
The car that was repossessed, is now sitting in an impound lot, where I have days to remove my personal belongingsI had a representative of mine contact *** regarding where the vehicle had been taken, and he provided the name of the Tow company, but provided the wrong phone numberNow why would he do that? If I get to the impound lot and find any of my personal belongings missing, I will file a lawsuit and have theft charges brought up against *** and FPF