Fusion Auto Finance, LLC

Monday, October 30, [redacted] [redacted] ** [redacted] *** Re: JEEP GRAND CHEROKEE 4WD VIN # [redacted] Lease Number: *** Dear Valued Credit Union Member, We have received your letter and wanted to respond to your concerns immediatelyOn behalf of Teachers Federal Credit Union and Fusion Auto Finance, we appreciate your business The dealership in question made the remaining contractual lease payments on your behalfAfter these payments were received and applied to the lease the vehicle was retrieved from said dealershipAt this time a final inspection was performed by a licensed, third party inspector per New York State LawThis inspection found the vehicle to be damage which is chargeable per the lease agreementAgain, the payments made by the dealership are independent of the disposition fee and any damage charges which are contractually due at the termination of the leasePlease see the attached invoice and condition report from this final inspection of the vehicle Sincerely, [redacted] Lease Maturities Department Fusion Auto Finance Fusion Auto Finance, LLC [redacted] *** [redacted] *** [redacted] *** [redacted]

Tuesday, December 05, [redacted] ***Re: JEEP CHEROKEE 4WDVIN # [redacted] Lease Number: ***Dear Valued Credit Union Member,We have received your letter and wanted to respond to your concerns immediatelyOn behalf of IC Federal Credit Union and Fusion Auto Finance, we appreciate your business.Under the terms of Section 22b of your original lease contract the lessee is responsible for the condition of the vehicle until such time that it is returned to the possession of Fusion Auto FinanceWhen the vehicle was retrieved from the third party dealership it was surrendered to an initial condition report was performed by the transportation driver, damage to the lift gate was noted at this timeAfter the vehicle was returned to Fusion Auto Finance’s agent a final inspection was performed which also revealed same damageAt present time the invoice has been paid in full and nothing further is owed.We appreciate your prompt attention to this matter; please remit payment to Fusion Auto Finance at [redacted] ***.Sincerely,Lease Maturities DepartmentFusion Auto Finance

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

We waived the remaining balance due on 8/22/The customer owes nothing further.Thank you, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that I will accept this response out of practicality and believe the company mention is still at fault for the late fees However, I will accept this complaint as resolved Regards, [redacted]

Dear Valued Credit Union Member,We have received your letter and wanted to respond to your concerns immediatelyOn behalf of [redacted] *** and Fusion Auto Finance, we appreciate your business.The disposition fee is standard cost in the leasing of motor vehiclesThis fee helps to offset some of the expense of disposing of the vehicle after the lease has matured and is standard on every lease contractThe disposition fee is located in section three of Fusion Auto Finance’s lease agreementIn this case it seems as though your dispute is with [redacted] rather that Fusion Auto Finance as they offered to pay the fee on your behalf and this has not taken placeAny discussions with a third party regarding a new lease are pertinent to that transaction only and do not involve Fusion Auto Finance, the fee remains duePlease see the attached lease agreement

Complaint: [redacted] I am rejecting this response because: we did not damage the rim or put extra wear on a tire on this vehiclePlease see "yelp" reviewsWe are not the only people that Fusion claims put excessive wear on a tire Regards, [redacted]

Mr*** placed a call to our representative mentioned in his letter and agreed to a payment schedule of three payments for the remaining balance on this account. *** * *** ** *** ** *** ** ***
Re: JEEP GRAND
CHEROKEE 4WD VIN # *** Lease Number: *** To whom it may concern, It is unfortunate that the vehicle was never returned directly to Fusion Auto Finance’s return facility as is stipulated in the lease agreementHad this been the case, any damage present would have been made known to the lesse at that timePer section subsection B of the original lease agreement the lesse is responsible for the condition of the vehicle until it is return ed to the possession of Fusion Auto Finance, the owner of the vehicleAt the time the vehicle was retrieved from the third party dealership it was surrendered to a final inspection that is completed by a third party inspector per New York State LawThis inspection found damage being invoice which is chargeable per the lease agreement. Sincerely, *** *** Fusion Auto Finance *** *** *** *** Thank you,*** ***Fusion Auto Finance

Hello, Our response to this complaint is attached to this emailPer the lease agreement the customer is responsible for the condition of the vehicle until such time that it can be inspectedAfter the vehicle was returned the vehicle was inspected by a licensed, third party inspector and found
to be damagedThe customer was not charged for every instance of damage, only those which fell under the Fusion Auto Finance wear and tear policy which was provided to the customer before the end of the leaseAlso attached is the condition report from the final inspection which outlines the damage. Thank you, *** ***

Complaint: ***
I am rejecting this response because:After reading the lease agreement in more detail, I understand the disposition fee and will pay the $400.00. As to the other charges, there was no damage to the vehicle when I dropped it off at Adesa Boston. The pictures of the scratches that you sent to me were not on the vehicle when I left. As for the tires, the vehicle only had 30,miles on them. So how can a tire be worn that much. Warrentes on tires state that they last at least 50,miles unless they were defectiveI would like this taken off of the bill
Regards,
*** ***

Thursday, October 12, 2017*** * *** *** *** ** ***Re: JEEP GRAND CHEROKEE 4WDVIN # ***Lease Number: ***Dear Valued Credit Union Member,We have received your letter and wanted to respond to your concerns immediatelyOn behalf of Teachers Federal
Credit Union and Fusion Auto Finance, we appreciate your business.It is unfortunate that the vehicle was not returned directly to Fusion Auto Finance as the lease agreement stipulatesHad this been the case any damage present would have been made known to you at the time of the final inspectionThe vehicle was retrieved from Merrick Dodge on 1/4/and inspected the same dayPer New York State Law the vehicle was inspected by a licensed, third party inspectorThe lessee remains responsible for the condition of the vehicle until such time that it is returned to the possession of Fusion Auto Finance and this final inspection may take placePer the lease agreement any damage present at this time must be invoiced.We appreciate your prompt attention to this matter; please remit payment to Fusion Auto Finance at *** *** *** *** ** ***.Sincerely,*** ***Lease Maturities DepartmentFusion Auto Finance

Complaint: [redacted]
I am rejecting this response because:I only made the payment to avoid aversely affecting my credit. I expect a refund for the fraudulent charges of $85 plus...

taxes to "clean" a car. Those were unfair charges and nothing more than a scheme you and your employees have to see who can pull in the most money every month with charges like this. I have the screenshots from [redacted], [redacted], and [redacted] bragging about this on Facebook. The $400 disposition fee is more than enough to cover vacuuming up pet hair which was not mine. By the way, I don't see how making up thousands of dollars of fictitious charges, but then settling on $85 and threatening sometimes credit with collections threats being "amicable."This company has a long history of doing this according to the reviews found with a simple Google search. If they refuse to refund the $85 plus tax, I will leave this complaint open and seek opening a class action lawsuit against Fusion Auto. And that is not a threat. I already have 2 interested attorneys, and as mentioned above, I have plenty of evidence to move ahead confidently. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that I will accept this response out of practicality and believe the company mention is still at fault for the late fees.  However, I will accept this complaint as resolved. 
Regards,
[redacted]

Monday, October 30, 2017     [redacted]       Re:  2014 JEEP GRAND CHEROKEE 4WD           VIN # [redacted]           Lease...

Number:  [redacted]   Dear Valued Credit Union Member,   We have received your letter and wanted to respond to your concerns immediately. On behalf of Teachers Federal Credit Union and Fusion Auto Finance, we appreciate your business.   The dealership in question made the remaining contractual lease payments on your behalf. After these payments were received and applied to the lease the vehicle was retrieved from said dealership. At this time a final inspection was performed by a licensed, third party inspector per New York State Law. This inspection found the vehicle to be damage which is chargeable per the lease agreement. Again, the payments made by the dealership are independent of the disposition fee and any damage charges which are contractually due at the termination of the lease. Please see the attached invoice and condition report from this final inspection of the vehicle.   Sincerely,  [redacted] Lease Maturities Department Fusion Auto Finance   Fusion Auto Finance, LLC  [redacted] 
[redacted]  [redacted]

Tuesday, December 05, 2017[redacted] [redacted] [redacted]
[redacted]Re: 2014 JEEP CHEROKEE 4WDVIN # [redacted]Lease Number: [redacted]Dear Valued Credit Union Member,We have received your letter and wanted to respond to your concerns immediately. On behalf of IC...

Federal Credit Union and Fusion Auto Finance, we appreciate your business.Under the terms of Section 22b of your original lease contract the lessee is responsible for the condition of the vehicle until such time that it is returned to the possession of Fusion Auto Finance. When the vehicle was retrieved from the third party dealership it was surrendered to an initial condition report was performed by the transportation driver, damage to the lift gate was noted at this time. After the vehicle was returned to Fusion Auto Finance’s agent a final inspection was performed which also revealed same damage. At present time the invoice has been paid in full and nothing further is owed.We appreciate your prompt attention to this matter; please remit payment to Fusion Auto Finance at 1[redacted].Sincerely,Lease Maturities DepartmentFusion Auto Finance

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

To whom it may concern,   Per section 22. subsection B of the original lease agreement the lessee (customer) is responsible for any damage present on the vehicle at the time it is returned to Fusion Auto Finance as determined by a licensed, third party inspector. The contract also stipulates...

that the vehicle is to be returned directly to one of our return locations in New York or New Jersey so that the customer may be present for this final inspection and any damage will be made known to them at that time. Fusion Auto Finance was notified that the vehicle had been surrendered to a third party dealership on May 2nd of 2017. The vehicle was retrieved on May 5th 2017 and subsequently inspected by a third party inspector from [redacted]. During this inspection the vehicle was found to be damaged as noted in the enclosed itemized invoice and condition report from same inspection. In light of these facts we have billed this customer fairly.     Sincerely,     [redacted] Lease Maturities Department Fusion Auto Finance

Friday, August 18, 2017     [redacted] [redacted] 
[redacted] 
[redacted]       Re:  2016 ACURA MDX 4WD          VIN # [redacted]   ...

       Lease Number:  [redacted]   Dear Valued Credit Union Member,   A transfer of interest is a service that is granted in circumstances when a contracted lessee is no longer able to drive their leased vehicle such as in the event of a death. This process is completely voluntary to the party assuming the lease and the costs and timeframe of the process are made clear before initiating the transfer.  The fee of $495 is not waived unless the person assuming the lease is a member of the lessee’s immediate family. Our [redacted] offered to lower the fee to $250 to resolve this issue amicably. Regarding the paperwork, we apologize for the inconvenience at the Department of Motor Vehicles but the template for what is accepted in a transfer of interest is up to the interpretation of the individual DMV office and employee dealt with on that day. The same documents are sent for each TOI that we complete. When we were informed with exactly what was necessary for that office we forwarded the necessary documents.   Sincerely,   [redacted] 
[redacted] 
[redacted]  
 
[redacted]  
[redacted] 
[redacted] [redacted]

Complaint: [redacted]
I am rejecting this response because: we did not damage the rim or put extra wear on a tire on this vehicle. Please see "yelp" reviews. We are not the only people that Fusion claims put excessive wear on a tire.
Regards,
[redacted]

Fusion Auto Finance utilizes a third-party inspection company, AutoVIN, to complete all vehicle inspections at the end of lease. The report is attached - please see that we also reduced the charges (see N/C which means no charge) from the inspection report. Fusion fairly billed the consumer and...

acted in good faith. The customer was billed in March and did not pay until July. All collection activity has ceased and the account is considered paid in full.