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Reviews FroPhoto LLC

FroPhoto LLC Reviews (31)

In an attempt to keep a valued customer happy we will in good faith waive the deductible this one time Understand that the warranty signed does have a deductible and will not be waived in future if a mechanical issue arises Please call our service center and set an appointment Please also be on time for your appointment and be prepared to leave vehicle for the day if needed for repairs

I started a loan with this company at the beginning of AprilPayment was scheduled to be due biweeklyI made my payment days lateCalled in to make the payment through a customer serviceI still received several calls after making the paymentI then called the 35th ave and grand location was then advised that I owed an additional $for an over payment of buying out my loanWe made arrangements to add that amount on to the end of my loanAnd to come into the office to change my payment to a monthlyI still kept receiving collection calls from the businessI received another call and the representative spoke to me in Spanish My last name is by all means American She proceeded to tell me that I days past due an a payment had not been madeI recapped the previous call I had with the other representative She was rude and stated she would notate the call with that I was pist off and would be in the office I went into the office and again was told different informationThis company lacks communication and the ability to have great customer service I then had to leave still without my issues resolved as a manager was not in the office I will never again do business with this company or refer them to anyone else for that matter

Hi I am buying a car from drive now which is auto now as wellI went in and talked to a manager about this funky smell in my car we believe its the carpet and then we lifted my back seat we did and deep clean in the car to try and get rid of smell but it only got worse there was black moldUnder the back seat I addressed it to the manager and took pictures of it and he told me there was nothing he could do about itHe said he would call me the following Monday and it never happened and since I have not heard one word about it the smell is still there and the black moldIt is a horrible situation to be in and the fact this company does not want to do anything about it I am not a satisfied customer

We have contacted Mr [redacted] and asked him to come into our office in order to resolve thisHe and his son have signed the necessary documents in order to remove his son from the titleBoth parties are satisfied with the agreement Please let me know if you have any further questions Chris M [redacted] Auto Now Financial Services [redacted]

In regards to complaint ID # [redacted] ***On August 15, Penny [redacted] purchased a Hyundai Sante Fe VIN # [redacted] with 116,actual milesWith regards to Mrs [redacted] ’s statement that her account should have been paid off on 2/28/ Mrs [redacted] ’s account would have been paid off on that date if Mrs [redacted] paid according to the contract that she signed With regard to the payments that we deferred in order to help Mrs [redacted] keep her vehicle from being repossessed Attached you will find Mrs [redacted] ’s payment history and I have circled all of the deferments the Mrs [redacted] received in order to keep her account from falling to far behind With regards to Mrs [redacted] ’s desired settlement Mrs [redacted] still owes $2,between late fee’s and the payments that were deferred in order to help Mrs [redacted] We have tried to reach out to Mrs [redacted] to help settle the account To date she has not responded We would be more than willing to sit down with Mrs [redacted] and help her settle her account If you have any questions feel free to contact me at the number below.Thank you,Samuel B***Regional Manager [redacted] ***

On Friday February 14th customer called in and spoke to ***Customer was asked for verify her address which is regular procedureCustomer then got upset and hung upCustomer then called back asked for supervisor at that time a supervisor spoke with herShe expressed she was upset with previous rep, said he was rude, said he asked her to verify her address and she felt it unnecessary that may be the case but it will still be necessary to verify her information She asked if there were there previous complaints Anytime we have a complaint from a customer it is handled accordingly It is not to be disclosed to a customer the disciplinary actions taken against and employee After talking with the supervisor she then hung up and called our office back several times and hung up when we answered We have many options to make payments, such as reoccurring, walk in, mail in, or online If Mrs [redacted] would like she can choose any of the options to make her payments With regards to Mrs***’s desired settlement to cut her loan in half Mrs [redacted] signed a legal binding contract which she is obligated to fulfill If you have any questions feel free to contact me at the number below [redacted] Regional Manger [redacted] ext ***

We have reviewed our records and would like to submit the following response: Ms*** defaulted on her contracted opened 5/23/ Several attempts were made to contact Ms [redacted] and collect her delinquent payments Ms*** at times would make arrangements to pay on her account, however failed to do so agreed Due to non payment, repossession process/order was placed on Ms [redacted] account Below is Ms***' payment history: Payment Due date: Amount: 6/18/ $7/2/ $7/16/ $7/30/ $8/13/ $8/27/ $9/10/ $Total: $1, Payments received: 7/13/ $ Ms [redacted] was delinquent $and we repossessed our collateral on 9/13/ We are willing to work with Ms [redacted] to reinstate her account and redeem the unit back upon her ability to bring the account to a current status and payment of any fees surrounding the repossession Thank you, Chris M [redacted] Director Loan Servicing Auto Action Group Tio Rico Te Ayuda (ANFS Inc) Direct: ###-###-#### Fax: ###-###-####

I voluntarily gave a car back I had less than months due to this company having poor customer service and the car had too many problemsThey took me to court less than weeks after I gave them the car back and filed a default judgment before the days I was allowed to respond without making any contact with me to do a payment plan for the remaining balance or any efforts to collect the debtIn less than days before I even knew there even was a judgment, my wages are getting garnished and I never received any notice that my wages were getting garnished until I looked at my pay stubI took them to court on 9/to lower the percentage being taken out of my check from 25% to 18% yet they were still taking over 25% of my check every checkOn April 10,the balance was paid in full but they never filed a satisfaction of judgment with the courtsThe beginning of this year I was told by the courts to contact them to file the satisfaction of judgment so I can give that to the credit bureau to get it off my creditThey are not only refusing to file it they claim I only paid $2,and I still owe them $3,but won't tell me that directly when I ask them for proof by giving me their accounting logsI paid them $6,and have proof of thatI feel some sort of consumer fraud is happening on their part being they're trying to double collect on a debt that has already been paidThey even changed the case number when submitting it to my employer for the second time making my employer believe it's a new case for garnishmentThey also keep sending any required papers to my old address from four years ago when they have been given my current address to try and get what they want without me being able to respond to it and it possibly being denied

This company is a fraud! They operate under different names for a reason! The employees who work there need better customer service! Maybe training classes because you know they do not do that! I paid his company 10,on a Ford Expedition which they tweaked the transmission hose and it comes out and leaks transmission fluid everywhere! I asked them SEVERAL times for a copy of my original contract to be mailed and they said they could not mail itThey sent a lady by the name of Jana to repo our truck and she was very rudeI have phone conversations of these peoples conductThe lady Jana said in order for me to get my belongings out the truck I had to meet her on *** *** *** *** *** ** * *** * and would have my stuff in a bagI asked her I would like to come to her business and it took her several calls to tell me it and then told me to stop calling her because I am wasting her timeDO NOT GET A CAR FROM THIS PLACE! They are scam artist and try to take from people who have to work hard for a living to surviveI will be taking them to court and Jana

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I simply said that it was unjust that after not even having the vehicle for two weeks that I would have to pay when it should have come ofd the lot in better condition than thatI have an air filter which I changed that is black and filthy and spark plugs that were burnt and causing a misfireI also have an email that my brother in law was inquiring about a vehicle and in the email they mislead him when he asks about if anything should fail within the furst 30days they were telling him that it would be covered yet fails to mention the deductable and when he asked about the deductable the response was that it was covered under warrantyThe day I went in to purchase my vehicle the one I had choosen started shuting off and messing up by the next day so I had to settle for one that I didnt even want originally then for the second one to start messing up not even two weeks later what kind of mechanics do they have or is it just the dealerships plan so they are able to get more money from people.Regards,*** Moreno

Well these is no the first time and I believe no the last, these company continue had either employees the they don't know how to make calls or simple they don't care about the way they tread they customers here still my experience with the company
When you go and ask for they services about borrow money they attend you so nice they the best persons try to help you, but when it comes to ask them question they no tell you what exacly they going to do exemple,
If you ask what happen if for x reason I got late with my payment? The answer is, you are no thinking to be late right? With a big smile on their faces , but they don't tell you is the they will be calling and calling after the first day of the past due if you don't answer they will call your references or times n daily, no only that they do tell your references confidential information about the business you had with them like how much you own them , how many days your late and the worse they even treat these people by tell them if u not answer they we call the police also if any of the references don't answers they got your family phone number from the copy of ur phone bill the one you give them as a prof of address believe I been witness of these calls or messages they leave but that's no all a some point they star calling your work place I had two warning from my work cause of these annoying calls well few months ago I write I review of these issues after that they try to contact me Course I dint answer them cause I know and by my own experience I can say doesn't matter what you agree with them they will using same techniques to find you .the excuses all the time they use is they got new people and they will training for better services well never happen .so day ago I receive these messages from them again treat me saying thing like u better call us or you will be sorry if I don't , my question is I be sorry about what? Are they will kill me or *** like that? What kind of company the you own them money treat you like that? I guess I'd the first one.and don't take wrong to be honest yeah I been late with my payment so what is that a reason for them call me every day or times a day? call my references or place work @ any time? Call my family and treat any one they want? I don't think so , the company has to stop these procedures treat people is no right As a customer I have right s and the company just don't care about , just for the record and I know they will read these I have phone records of what Iam taking about voice mails with these treats also witness the they can certified these company treat them and call , some day I wrote a letter asking them to stop telling them what time they can call me or even I send email address were they can find me but no, they get into these *** about , since I wrote these letter they no allow to call me or email me so defensive I can say , any way to much write and I know will no solución the good thing is I have like payments left to finish my account but one thing is for sure I will never recommend the company to no one but if they continue with *** I swear It will be consecuenses

Mrs*** *** purchased a 2005 Dodge Ram on December 23, VIN# *** with 114,actual miles. Mrs*** was provided as part of his purchase a month or 15,mile limited warranty Mrs*** did set an appointment but did
not want us to do anything to the vehicle because she was not going to pay the deductible. We never had a chance to even diagnose any issues with the vehicle. Mrs*** has a limited warranty that comes complimentary with the purchase of her Dodge Ram. That warranty comes with a $deductible per covered component. (See Attached) If Mrs*** would like the vehicle to be repaired she can contact the service department at ###-###-#### There is no refund warranted here however we have not denied repair and would be more then happy to fix her vehicle if she pays the deductible due, which is pursuant to the warranty agreement she signed. Mrs*** decided that she was not going to pay a deductible and would not let us work on the vehicle. If you have any questions feel free to contact me at the number below.*** ***Regional Manager

The most corrupt organization on the planet in my opinion. I am not a deadbeat; I have a Master’s Degree, Six Sigma Green Belt, BIU Graduate (Process Improvement), and have NOT been unemployed in over 15 years. Auto Now Financial Services (ANFS), a company that does business as Tio Rico, is the most abusive organization with whom I have had the misfortune of doing business. On 7/3/2013 (keep this date in mind), I obtained a $400 loan. I defaulted on my loan around September (couple of months later) due to financial troubles. Keep in mind I had recently paid off a $500 loan with the same company, which I hope proves I wasn’t out to purposely take a loan a had no intention of paying. In February, 2014, this company filed a formal complaint to recover the money I owed them. I was not able to attend the court date because of major health reasons in the family. The judgment was granted in ANFS’ favor. To sum up the “crime” committed, I will tell you that ANFS has garnished $3,000, on the $400.00 loan, in less than 4 months. It is disgusting that the judge allowed this, but even more reprehensible ANFS (Tio Rico), feels they are entitled to over $3,000 on a $400 loan, that defaulted less than 12 months ago. It makes me sick! It makes me sad that our justice system would allow thieves to be thieves in the name of the law. Think twice about going with this organization – please think twice. This has led to financial distress of astronomical proportions. I have no recourse, other than to make you, the consumer, aware of what this company is capable of.

In an attempt to keep a valued customer happy we will in good faith waive the deductible this one time.  Understand that the warranty signed does have a deductible and will not be waived in future if a mechanical issue arises.  Please call our service center and set an appointment.  Please also be on time for your appointment and be prepared to leave vehicle for the day if needed for repairs.

We have reached out to Ms. [redacted] and have scheduled a tentative meeting at our office in order to reach a resolution in this matter.

I don't understand why they think it's okay to sell a vehicle with 3 prior accidents without telling...

the purchaser..... The reason this wasn't disclosed is there would have not been a sale. No one in their right mind would have paid over 12,000.00 for a vehicle that had been in one accident let alone 3 with admitted frame damage from the auction place they purchased it from. This is not a claim on a whim I do have documents submitted to me via the insurance company on the birth of the vehicle, to all 3 prior accidents, to the auction disclosing the frame damage before purchase, to the sale of that vehicle.

Worst company ever. They knowingly scam people and teach their employees to participate in their scam process. Multiple reviews state the same experience where this company that use to have an "F" rating but changed their name from DRIVE NOW to AUTO NOW FINANCIAL SERVICES and affiliated with TIO RICO say these horrible individuals continue to perpetuate scams. They are the lowest of the low sm and all the people that work their are thieves to innocent people that are trying to gain a deal. I hope they all get the same level of customer service and honesty in their own lives. They twist and turn the truth for their benefit. They make appointments with the service center a month out from the purchase date and then tell you that you are out of the warranty period. Than you are left with a piece of [redacted] car from these sm, vile, lowdown, awful, thieves from dog [redacted] dried on the dead grass in the dirt field of a play ground in[redacted].

In regards to complaint ID # [redacted]
[redacted]
[redacted]  [redacted]On August 15, 2012 Penny [redacted] purchased a 2006 Hyundai Sante Fe VIN # [redacted] with 116,796 actual miles. With regards to Mrs. [redacted]’s statement that...

her account should have been paid off on 2/28/2015.  Mrs. [redacted]’s account would have been paid off on that date if Mrs. [redacted] paid according to the contract that she signed.  With regard to the 10 payments that we deferred in order to help Mrs. [redacted] keep her vehicle from being repossessed.  Attached you will find Mrs. [redacted]’s payment history and I have circled all 10 of the deferments the Mrs. [redacted] received in order to keep her account from falling to far behind.   With regards to Mrs. [redacted]’s desired settlement.  Mrs. [redacted] still owes $2,782.43 between late fee’s and the payments that were deferred in order to help Mrs. [redacted]. We have tried to reach out to Mrs. [redacted] to help settle the account.  To date she has not responded.  We would be more than willing to sit down with Mrs. [redacted] and help her settle her account.  If you have any questions feel free to contact me at the number below.Thank you,Samuel B[redacted]Regional Manager[redacted]

In response to complaint filed by [redacted] dated 6/10/16, the following response is submitted:
font-family: Calibri, Arial, Helvetica, sans-serif;"> 
We have reviewed our records and interactions with Mr. [redacted] and have found at no time have any of our employees conducted themselves in a unprofessional manner.  In most interactions with Mr. [redacted], he has been aggressive with our representatives and has stated that he is not going to deal with our company or we must not know who he is.  He has advised us that he will record all conversations, and will set up any employee who contacts him to violate FDCPA and sue us.  
 
Due to Mr. [redacted]'s actions and requests, we will consider his account as a cease and desist and will have no contact with him in regards to his account.  Our company will reserve the right to act accordingly per his contract and within law,  due to any late or missed payments made by Mr. [redacted].  We ask that Mr. [redacted] review his contract, follows the agreed payment structure per his contract and any contact from Mr. [redacted] going forward should be in writing to our company due to his recent request and indication that of setting up employees to be sued. 
 
 
Thank you,
 
Chris Minns
 
Director Loan Servicing
 
 
(ANFS Inc)
 
Direct: [redacted]
 
Fax: 602-345-8039

On Friday February 14th customer called in and spoke to [redacted]. Customer was asked for verify her address which is regular procedure. Customer then got upset and hung up. Customer then called back asked for supervisor at that time a supervisor spoke with her. She expressed she was upset with...

previous rep, said he was rude, said he asked her to verify her address and she felt it unnecessary that may be the case but it will still be necessary to verify her information.  She asked if there were there previous complaints.  Anytime we have a complaint from a customer it is handled accordingly.  It is not to be disclosed to a customer the disciplinary actions taken against and employee.  After talking with the supervisor she then hung up and called our office back several times and hung up when we answered.   We have many options to make payments, such as reoccurring, walk in, mail in, or online.  If Mrs. [redacted] would like she can choose any of the options to make her payments.   With regards to Mrs. [redacted]’s desired settlement to cut her loan in half.  Mrs. [redacted] signed a legal binding contract which she is obligated to fulfill.  If you have any questions feel free to contact me at the number below. [redacted]Regional Manger[redacted] ext [redacted]

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