General Acceptance, LLC

As in my previous replies, Mr [redacted] is the Co-buyer and the loan and his Wife [redacted] is the buyer and the only way to remove her name from the loan is to refinance the loanAnd on 1-4-we received a payoff request from [redacted] and on 1-5-another payoff request from [redacted] Dealership later that day we followed up on the payoff for funding and we was told the deal was UTF unable to finance down payment problemslater that same day Mr [redacted] was in the our office making his payment and we offered to refund his payment to allow him use that money as the Down Paymenthe declined and said thanks for the offerOur Company takes pride in trying to satisfy every customerHowever, Mr***, was offered several alternative solutions to resolve his compliantAt this time we've closed this complaint in our office

I [redacted] have talked to Mrs [redacted] and have told her where to look on her paperwork showing where the price can change at any time and offered for her to get them done at Sam Swope Mitsubishi in the futureI also explain to her that not only [redacted] but all of the Sam Swope Auto Group had discontinued the Road Side Program

From: [redacted] General Manager General Acceptance LLC ###-###-#### Re: Complaint [redacted] Dear Mr [redacted] I spoke with our customer and informed her that we are required by law to retain these documents for a certain period of timeHowever, Federal and State laws have changed just recently, and they now allow us to scan and reserve documents electronically insteadAs a result, we are now able to return the original contract to her, unlike any time beforeShe has been advised that she can retrieve her contract from our office at her convenience, and she seems to be satisfied Thanks for your assistance and please feel free to contact us if there are any further concerns or questions Sincerely, [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 For your reference, details of the offer I reviewed appear below [Provide details of why you are not satisfied with this resolutionPlease respond here ONLY] I don't want my payments to go towards the car that is my right that is holding up my loan I pay on time they didn't ask they were going to just do it it will take longer for me to pay my loan off Regards,I [redacted] ***

Mr***, was in our office yesterday 1-5-making his monthly paymentHe was very apologetic for the language he used that last time he was in our officeI advised him that I received a request for his payoff and I offered him monthly payment back to help make the down payment on the new vehicle I had no ideal he was still not satisfied

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
[Provide details of why you are not satisfied with this resolutionPlease respond here ONLY]
Regards,I just want to make sure my payment goes to Ford fmy truck and not car
*** ***

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.A man from Sam Swope did contact me today regardiing my complaintIn my opinion, he was rudeI would try to talk and he would interrupt meHe did say in the paperwork (which I did not get a copy), the oil changes and road service was subject to changeHe did tell me I could bring my car to Sam Swope Mitsubishi for oil changes, I told him I've had my share of rudness from everyone at Sam Swope and General AcceptanceMy issue is we were promised road service for the life of the loan, that was ended without noticeThe vehicle didn't have a jack when we purchased itThey had to order a jackThen I get a flat tire to find out I don't have a lug nut wrench to take the tire offWe had to purchase one ourselvesIF they would have notified people the road service was cancelled, I could have gotten AAA (which I have now)I will continue to make my payments (as I have done so) and I DO NOT want anyone from Sam Swope or General Acceptance to contact meThese people are rude and think they can talk down to customers even when you call in to make payments.Regards,*** ***

*** *** * *** *** *** ***
Thank you for assisting us with this concernI understand our customer’s need for her personal belongings from the vehicle and I am happy to be able to assist her with thatAfter reviewing our customer’s concerns, we immediately called and
left her a message, and sent an email explaining our intentions to help herWe were able to speak with the co-buyer and explained that the company that repossesses vehicles for us charges us for itemization and storage of personal property left in vehicles; so as a goodwill gesture we are not requiring them to pay the fees associated with the itemization and storageThey can make arrangements to pick up their personal property at their convenience
This should take care of her concernsPlease let us know if you should need any additional informationAs always, thank you for your assistanceSincerely,
*** ***

[redacted] LLC
November 25, [redacted]
Revdex.com
 
[redacted]l Manager|[redacted] LLC
502-499-5023
Re: Complaint # [redacted]
During 2008 our customer freely entered an agreement to purchase an automobile from Sam Swope. As part of the...

purchase he requested a loan from [redacted] LLC ([redacted]). His loan was approved and our customer again, on his own free will, agreed to the terms of the loan with [redacted]. In 2010 our customer defaulted on his agreement. [redacted] made numerous efforts to contact him by mail and by phone but were unable make contact. For this reason [redacted] had no other choice but to secure the collateral for the loan by repossession. As required by Federal and State law his vehicle was sold at auction and all proceeds were applied to his remaining balance. Again, as required by law, [redacted] sent letters both regular and certified mail to our customer last known address explaining that there was a balance still due on his commitment.
After sending the notice to our customer and not hearing a response on paying the deficiency, we again reached out to him with phone calls and more letters but we were unable to contact him or get a response. Because of his failure to respond, we had no other option but to turn his account over to an attorney which resulted in more cost on his part. Our policy which is normal in these cases is that once this is done all communication with our customers is handled exclusively through the attorney.
About two years went past, and our attorneys also made numerous efforts to contact our customer until they finally were able to talk to him. They were unable to set up any type of arrangements with him to pay his balance. At some point our customer offered to pay, I believe, $400.00 on nearly a $5,000.00 balance that was owed. [redacted] agreed to reduce that balance to $3,800.00, but our customer declined.
[redacted] is prepared to make one final goodwill gesture of $1,000.00. If paid within 30 days [redacted] will stop further collections. As per Federal and State laws his account will show “Settled for less than full balance” on the credit bureau, and because the remaining principal balance is over $600.00, [redacted] will be required to issue a 1099C to him and the IRS for the remaining amount.
Should you have further questions regarding this complaint please feel free to call, and as always thank you for your assistance.
Sincerely,

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.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are...

not satisfied with this resolution. Please respond here ONLY] I don't want my payments to go towards the car that is my right that is holding up my loan I pay on time they didn't ask they were going to just do it it will take longer for me to pay my loan off
 
Regards,I
[redacted]

From: [redacted]
General Manager
General Acceptance LLC
###-###-####
Re: Complaint [redacted]
Dear Mr. [redacted]
I spoke with our customer and informed her that we are required by law to retain these documents for a certain period of time. However, Federal and State laws have changed just...

recently, and they now allow us to scan and reserve documents electronically instead. As a result, we are now able to return the original contract to her, unlike any time before. She has been advised that she can retrieve her contract from our office at her convenience, and she seems to be satisfied.
Thanks for your assistance and please feel free to contact us if there are any further concerns
or questions.
Sincerely,
[redacted]

As in my previous replies, Mr. [redacted] is the Co-buyer and the loan and his Wife [redacted] is the buyer and the only way to remove her name from the loan is to refinance the loan. And on 1-4-2017 we received a payoff request from [redacted] and on 1-5-2017 another payoff request from [redacted] Dealership . later that day we followed up on the payoff for funding and we was told the deal was UTF unable to finance down payment problems. later that same day Mr. [redacted] was in the our office making his payment and we offered to refund his payment to allow him use that money as the Down Payment. he declined and said thanks for the offer. Our Company takes pride in trying to satisfy every customer. However, Mr. [redacted], was offered several alternative solutions to resolve his compliant. At this time we've closed this complaint in our office.

I [redacted] have talked to Mrs. [redacted] and have told her where to look on her paperwork showing where the price can change at any time and offered for her to get them done at Sam Swope Mitsubishi in the future. I also explain to her that not only [redacted] but all of the Sam Swope Auto...

Group had discontinued the Road Side Program.