Hamilton Builders

[redacted] came to car credit center on March 5, to purchase a carShe was approved for a vehicle up to $16,She picked out a [redacted] and she financed it for years at 20.90%She only had a month job and a credit score of 514, which is considered high riskShe was given payment options and decided to go years due to the lower paymentShe could have financed it for less time and her total interest would have been less but her payment would then increaseShe opted for the year term,not us,because she wanted the smallest payment possible.Mrs [redacted] spent over hours at car credit center and she was explained her payment times, her interest rate and her total pay back and she signed about documents all pertaining to her car loan and she was given copies of everythingNot once did she say no or complainShe then proceeded to complete her $ down payment by giving us $down the day she took delivery of the car on March 5, Then she would pay the other $in more payments of $each due on March and April 1, Her 1st car payment was due on April 15, and we never had any complaints from herShe has paid her car payments from April to now (months) without any complaints ever about the loan, the interest paid or the vehicle.We have not lied about anything and have been very clear about all the facts concerning her loan approval and her payment and interest rate and the total on her loanShe received copies of everything she signed and in months since March no complaints.Sincerely, [redacted] ***President/CooCar Credit Center

Complaint: [redacted] I am rejecting this response because: I appreciate Car Credit Center extending the offer to attach two withheld payments to my car loan in order to make repairs, but I feel that this is not a satisfactory solutionWhen I purchased my car from Car Credit Center it had just over 19,milesNow at 38,the engine is almost goneThis leads me to believe that the staff of Car Credit Center was aware of the condition of the car's engineI believe I was taken advantage of as a woman purchasing a vehicle alone and with no mechanical knowledge to inspect the car myselfI am seeking for Car Credit Center to repair my engine at 100% no cost to me as this should have been the repair made when I was still within the day warrantyI am locked into this auto loan of nearly $12,for a vehicle that will not be working soon if these repairs are not made [redacted] ***, Car Credit Center's President/COO, stated I drove the vehicle for a whole year with no problemsI drove my car to work and home again in fashion until I heard noises which is when I made Car Credit Center awareEven if it was over the course of a year, I have never heard of a car, new or used, losing it's engine at 38,miles! In retrospect, I should have been suspicious of a such a nice looking car with only 19,miles on it, but I had no automotive knowledge whatsoever so I was easily takenI believe Car Credit Center operated maliciously in selling me a car they knew had serious problemsThank you for your care in this matter Sincerely, [redacted]

Mrs *** *** purchased a Chrysler Sebring on 10/10/with 19,miles on itThe vehicle came with a day warranty and she signed for this day warrantyBetween October 10, and January 10, she brought her car back to Car Credit Center for minor repairsAll the repairs
were fixed at 100% no charge to her not even the $deductible that the day warranty calls forNo problems were ever reported by her as far as any engine problems or noiseA whole year goes by now the vehicle has a mechanical problem but she knew from the start that it only had a day warrantyWe cannot be expected to fix her car when she has been driving the vehicle for a whole year with no problems.The best solution that I can offer is for her to come up with at least $1,toward her repair bill and we will have the finance company add the additional cost of repairs to her loan with no additional interest added onShe would have to bring the vehicle back in to be sent to another shop for a 2nd estimate. *** ***President/COOCar Credit Center

[redacted] came to car credit center on March 5, 2016 to purchase a car. She was approved for a vehicle up to $16,995.00. She picked out a 2013 [redacted] and she financed it for 5 years at 20.90%. She only had a 9 month job and a credit score of 514, which is considered high risk. She was given...

payment options and decided to go 5 years due to the lower payment. She could have financed it for less time and her total interest would have been less but her payment would then increase. She opted for the 5 year term,not us,because she wanted the smallest payment possible.Mrs. [redacted] spent over 2 hours at car credit center and she was explained her payment 3 times, her interest rate and her total pay back and she signed about 10 documents all pertaining to her car loan and she was given copies of everything. Not once did she say no or complain. She then proceeded to complete her $1000.00  down payment by giving us $500.00 down the day she took delivery of the car on March 5, 2016. Then she would pay the other $500.00 in 2 more payments of $250.00 each due on March 18 and April 1, 2016. Her 1st car payment was due on April 15, 2016 and we never had any complaints from her. She has paid her car payments from April to now (6 months) without any complaints ever about the loan, the interest paid or the vehicle.We have not lied about anything and have been very clear about all the facts concerning her loan approval and her payment and interest rate and the total on her loan. She received copies of everything she signed and in 7 months since March 5 no complaints.Sincerely,[redacted]President/CooCar Credit Center

Complaint: [redacted]
I am rejecting this response because: I appreciate Car Credit Center extending the offer to attach two withheld payments to my car loan in order to make repairs, but I feel that this is not a satisfactory solution. When I purchased my car from Car Credit Center it had just over 19,000 miles. Now at 38,000 the engine is almost gone. This leads me to believe that the staff of Car Credit Center was aware of the condition of the car's engine. I believe I was taken advantage of as a woman purchasing a vehicle alone and with no mechanical knowledge to inspect the car myself. I am seeking for Car Credit Center to repair my engine at 100% no cost to me as this should have been the repair made when I was still within the 90 day warranty. I am locked into this auto loan of nearly $12,000 for a vehicle that will not be working soon if these repairs are not made. [redacted], Car Credit Center's President/COO, stated I drove the vehicle for a whole year with no problems. I drove my car to work and home again in normal fashion until I heard noises which is when I made Car Credit Center aware. Even if it was over the course of a year, I have never heard of a car, new or used, losing it's engine at 38,000 miles! In retrospect, I should have been suspicious of a such a nice looking car with only 19,000 miles on it, but I had no automotive knowledge whatsoever so I was easily taken. I believe Car Credit Center operated maliciously in selling me a car they knew had serious problems. Thank you for your care in this matter.
Sincerely,
[redacted]

I am sorry but this is the best that we can do. You bought a used vehicle and these things can happen. If the engine was bad from the beginning you would not have been driving it for so long. also, we buy the vehicles at private dealer auctions inspect them and sell them. Had we known the engine was bad we would not have sold the car but instead sent it back to the auction since we have a warranty with them. If we sold it at car credit center it is because it passed our mechanical inspection at the time.  [redacted]