Helm Associates Incorporated

RE: ? [redacted] ID # [redacted] ? Dear [redacted] ,? This is in response to the above-referenced complaint, which was submitted on October 21, at 1:40:pm, and assigned an ID of [redacted] .After a thorough investigation, our records indicate that the last direct contact with [redacted] was August 28, 2015, at which time she wanted to voluntarily surrender her vehicleThe customer previously stated that she lost her job, due to a medical issue, and was unable to work based on her doctor’s recommendation.Helm Associates treats customers as individuals, and attempts to tailor solutions to their given circumstancesWe offered [redacted] the opportunity to retain her vehicle by making partial paymentsThis short-term solution would have allowed the customer adequate time to seek employmentHowever, [redacted] ***’s medical condition prevented her from working, and therefore from making paymenWhen the customer purchased the vehicle from [redacted] of Fairless Hills, it was under a 30-month or 30,mile warrantyAfter reviewing the dealership’s service records, it appears [redacted] never used her warranty, nor contacted the service department to express dissatisfactionIt is unfortunate that we were not aware of any mechanical issues, as we would have urged [redacted] to utilize her warranty, as to not incur any repair expense, except for her deductible.Helm Associates is sympathetic to [redacted] ***’s situationEven though we believe we acted appropriately as authorized by contract or law, Helm Associates will grant, as a goodwill gesture, the customer’s desired resolution by removing our trade line information from her credit reportPlease be advised that [redacted] is our only credit reporting agencyAdditionally, [redacted] has no further financial obligation to Helm Associates.We pride ourselves on working with the customer to resolve any issue brought to our attentionAs always, Helm Associates makes every effort to fulfill all reasonable requestsIf I could be of further assistance, please do not hesitate to contact me.Respectfully submitted,Sean M***, Compliance Director

RE: [redacted] ***Dear [redacted] Unfortunately, we cannot provide a response, at this timeAfter repeated attempts, we are still unable to contact [redacted] ***Her vehicle is currently at the warranty center, awaiting a tow to another mechanic for a second opinionOnce this is accomplished, and both parties have reached an amicable settlement, we will respond to the complaint.Respectfully submitted,Sean M***, Compliance Officer

November 23, 2015To Whom It May Concern,My office recently received a credit dispute dated 11/6/Below if the consumer information:Name: [redacted] Address: [redacted] **Philadelphia, Pa [redacted] Account Number: [redacted] Last SSN: [redacted] Date Opened: 2/1/Current Balance: $6,798Please remove this trade line from [redacted] ***'s credit fileIf you have any questions or require additional information, please contact me directly.Regards, Dan D Collections Manager

RE: [redacted] * [redacted] ID # [redacted] size="2"> Dear Ms [redacted] , This is in response to the Revdex.com complaint, which was submitted on 7/21/at 10:47:am, and assigned an ID of [redacted] Before Helm Associates will consider granting the customer's desired relief, [redacted] Automotive has to evaluate the vehiclePlease urge Ms [redacted] to contact their service department, at her earliest convenienceRespectfully submitted, Sean M***, Compliance Officer Helm Associates

March 15, Re: Petition to Reinstate Credit File - [redacted] To Whom It May Concern:I am writing to you for the purposes of formally petitioning to reinstate the credit file for one of our customerMy office recently received a consumer complaint from the Better Business Bureau indicating the credit file for [redacted] was removedBelow is the information requested in order to facilitate this petition:Name: [redacted] Account Number: [redacted] SSN: [redacted] Date Opened: 1/10/High Credit: $11,Current Balance: $Last Payment Made: 1/5/Payoff Date: 1/5/Subscriber Code: [redacted] If any additional information is required, please feel free to contact me directly

RE: ID # [redacted] [redacted] Dear [redacted] , Daniel D [redacted] , our Collections Manager, was able to contact [redacted] to discuss her complaintTo recap, the customer felt "misrepresented" at the time of purchase, and claimed the salesperson told her that the loan was in the amount of $5,000, with a one year termThe customer acknowledged receiving the loan documents, but said she did not read them; only signed where requiredMrD [redacted] explained the Federal Truth in Lending portion on the front of the contract, which outlines the financed amount, term, finance charges, etcHe informed [redacted] that he did not see anything misrepresented in the documents that were signedThe customer informed MrD [redacted] that she recently changed employers, and now has a new pay structureAs a result, he offered to modify her loan to change the repayment scheduleMrD [redacted] added that he could not adjust the financed amount, however [redacted] declined the offer, saying she retained an attorneyMrD [redacted] requested the attorney’s information, but the customer refused and ended the call[redacted] , if I could be of further assistance, please do not hesitate to contact meRespectfully submitted, Sean M***, Compliance Officer

RE: [redacted] ***Dear [redacted] ,Unfortunately, we cannot provide a response, at this timeAfter repeated attempts, we are still unable to contact [redacted] ***Her vehicle is currently at the warranty center, awaiting a tow to another mechanic for a second opinionOnce this is accomplished, and both parties have reached an amicable settlement, we will respond to the complaint.Respectfully submitted,Sean M***, Compliance OfficerFOLLRESPONSEThis complaint was responded toIt was received on 9/22/16, and answered on 9/30/Unfortunately, we are still unable to contact the customerAs it stands, [redacted] ***'s vehicle is repaired, and awaiting her pick up?

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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]

RE: Revdex.com COMPLAINT ID [redacted] ,I am in receipt of your complaint concerning your credit file for a previous loan with our organizationThank you for taking the time to express your concerns and for allowing me the opportunity to investigate and resolve your complaintI was able to obtain a copy of the mutual release agreement from the selling dealerAs discussed, we have contacted [redacted] and have removed this trade line from your credit filePlease accept this response as confirmation of this resolutionIf you have any questions or concerns, please feel free to contact me directly.Regards,Daniel D [redacted] , Finance DirectorHelm AssociatesOffice: ###-###-####Direct: ###-###-####Fax: ###-###-####Email: [redacted] @helmautoloans.com

RE: [redacted] class="Apple-tab-span" ID # [redacted] This will acknowledge receipt of the above-referenced complaintOur goal is to ensure a positive experience for every customerIt appears based on the details of the complaint, however, we were unable to meet her expectationsFor that we do apologizeWe take every complaint seriously, and make every effort to address any and all concernsMichael M [redacted] , our Finance Director, and I unsuccessfully attempted to contact [redacted] to resolve her issues [redacted] purchased a [redacted] from [redacted] on 3/19/2014, and financed the vehicle through Helm AssociatesSince her complaint referenced constant recalls, we contacted [redacted] to confirm if any recalls were associated with her vehicle, since the purchase dateThey confirmed one (1) recall in August Based on [redacted] records, [redacted] did not resolve said recall As you know, recalls are the responsibility of the vehicle manufacturer, not the lenderAlthough, we are more than happy to assist customers through the recall process by directing them to the proper repair facilityAll dealership vehicles include a month / 30,warranty to ensure reliable transportationBased on [redacted] records, [redacted] did not have an extensive service history with themHer last service appointment was 4/29/ [redacted] contacted Helm Associates in April 2015, and stated she no longer wanted to make loan paymentsShe felt she was paying too much, and simply wanted to surrender the vehicleIn an effort to assist the customer, and avoid a voluntary repossession, we offered her reduced payments through a loan modification [redacted] agreed to the arrangement, but, unfortunately, did not finalize the agreementWhen contacted a week later, [redacted] requested the vehicle be picked upEvery attempt was made to educate the customer on the repercussions of a repossession with the intent of prevention Helm Associates fulfilled her desired resolution by ceasing all collection activities, and recovering the vehicle from the location providedWe pride ourselves on working with the customer to resolve any issue brought to our attentionAs always, Helm Associates makes every effort to fulfill all reasonable requests I hope this response exemplifies our commitment to customer satisfactionIf we could be of further assistance in resolving any outstanding customer issues, please to not hesitate to contact usRespectfully submitted,Sean M***, Compliance DirectorHelm Associates

RE: [redacted] *** ID # [redacted] Dear [redacted] , This is in response to the above-referenced complaint, which was submitted on 1/27/ and assigned ID # [redacted] Daniel D [redacted] , our Collections Manager, reached out to the customer to inform him that we would be working to resolve his issue [redacted] stated he originally informed Helm Associates that his credit file had not been updated, since 1/ We instructed him to file a dispute with [redacted] , since our files appeared to be accurateAfter the customer filed said dispute, he was informed by both [redacted] and Helm Associates that his issue was rectifiedOur records show a credit dispute was filed and responded toSubsequently, [redacted] obtained a copy of his credit file and noticed that his tradeline was removed entirelyThe customer acknowledged that he felt [redacted] made the mistake, but simply wanted help in resolving the situationMrD [redacted] informed him that we would get to the bottom of it, while keeping him posted during the resolution process The customer was very grateful for the prompt responseHelm Associates contacted [redacted] to determine both the cause of the issue and a viable solution They informed us that the credit dispute filed by [redacted] was not responded to within the prescribed timeframe, which resulted in his tradeline being removed Our records indicate, however, the dispute was answered in a timely mannerWe responded on 6/18/(see attached [redacted] Consumer Dispute Verification)The FCRA response due date was 6/23/The only way to resolve the issue, at this point, is to file a petition to reinstate his credit, which we did on Thursday, 1/28/We were advised that the process would take approximately 4-business days, once the petition is received [redacted] , we pride ourselves on working with the customer to resolve any issue brought to our attention, and make every effort to fulfill all reasonable requestsIf I could be of any further assistance, please do not hesitate to contact meRespectfully submitted,Sean M***, Compliance Officer

Dear Ms. ***, The following is a summary leading up to the... complaint, which was submitted on 2/25/2015, and assigned an ID of [redacted] : 1. The customer fell behind in June, 2014;2. We accepted an arrangement to make a partial payment and promise for full payment 6/13/14;3. The customer confirmed this arrangement the day before, however failed to make payment;4. We had no contact with the customer until 6/26/14, when the customer informed us she was unable to pay for another few weeks;5. It was recommended that she make one (1) payment to allow more time to catch up; it was past due for nearly four (4) payments;6. The customer was to call back to following day, but no call was received;7. On 7/9/2014, we assigned a field agent to attempt contact at the customer's residence. She handed over the keys and surrendered the vehicle;8. No contact was made until 2/25/2015, when we received a call from customer; and9. She requested the deficiency balance, and would not commit to payment. Daniel D [redacted] , our Collections Manager, reached out to Ms. [redacted] to confirm the accuracy of the preceding, which was acknowledged. Mr. D [redacted] apologized for any inconvenience, or negative experience. The customer was satisfied with the resolution, and they discussed arrangements, towards settling her deficiency balance. Ms. ***, if I could be of further assistance, please do not hesitate to contact me. Respectfully submitted,Sean M***, Compliance Officer

[redacted] ***ID # [redacted] Dear [redacted] ,I wanted to provide you with a summary of my findings [redacted] ***? indicated in his complaint that he had the following issues:Purchase PriceCost of InsuranceWas informed could trade after year of paymentsHis credit not improvingCredit reporting quarterlyCar was cut off - starter interruptUnable to reach anyone in chargeI made several attempts to reach the customer and did not receive a return call? I was able to speak with him on Friday 3/after he had called in to discuss his payment with his account manager? [redacted] informed me that he did not feel anything could be resolved over the phone? I suggested he come in to the office so we can sit down and address any concerns he has? The customer stated he was in SC at the time and was unable to? I suggested he contact me when he is back in town and has an opportunity to discuss his concerns.Unfortunately, this complaint remains unresolved, at this timeI will update, if and when, I have further information.? ? Sincerely,Dan D [redacted] ,? Finance DirectorHelm Associatesp: ###-###-####f: ###-###-####

A total nightmare is the only word I can think to use when I was dealing with this companyFirst I was sold a "lemon" and then Helm Associates was my finance companyThey try to use intimidation factors to scare you into making payments if you can't make yours' for that particular weekThe interest rates are to 19% which I know that I did sign on the dotted lineBut the main reason I'm making this complaint
is the unprofessional and "Tony Soprano" like tactics they use to threaten you to payNo physical threats or anything in that manner but the tone and condenscending attitude in how they talk to youEspecially Their G.MDan D*** Their co-horts they work with called *** auto sales are cut out of the same clothBoth have no conscience who they scam or lie toFrom day one I had the car I had nothing but problemsI could list them all but it would take too much time and they weren't minor eitherA couple times while driving the car they sold me I could have been seriously injuredI hope people get to read this because, God forbid something awful happens to them because of the negligence andi feel outright disrergard for the safety of anyone who buys a vehicle from themSo please if you have bad credit like I didI strongly and vehemently beg you to not finance With Helm Associates or purchase a car with *** auto

March 15, 2016Re: Petition to Reinstate Credit File - *** *** To Whom It May Concern:I am writing to you for the purposes of formally petitioning to reinstate the credit file for one of our customerMy office recently received a consumer complaint from the Revdex.com indicating
the credit file for *** *** was removedBelow is the information requested in order to facilitate this petition:Name: *** ** *** Account Number: *** SSN: *** Date Opened: 1/10/High Credit: $11,Current Balance: $Last Payment Made: 1/5/Payoff Date: 1/5/Subscriber Code: ***If any additional information is required, please feel free to contact me directly

RE: *** ***Dear *** ***,Unfortunately, we cannot provide a response, at this timeAfter repeated attempts, we are still unable to contact *** ***Her vehicle is currently at the warranty center, awaiting a tow to another mechanic for a second opinionOnce this is accomplished, and both parties have reached an amicable settlement, we will respond to the complaint.Respectfully submitted,Sean M***, Compliance OfficerFOLLRESPONSEThis complaint was responded toIt was received on 9/22/16, and answered on 9/30/Unfortunately, we are still unable to contact the customerAs it stands, *** ***'s vehicle is repaired, and awaiting her pick up

RE: *** ***Dear *** ***Unfortunately, we cannot provide a response, at this timeAfter repeated attempts, we are still unable to contact *** ***Her vehicle is currently at the warranty center, awaiting a tow to another mechanic for a second opinionOnce this is accomplished, and
both parties have reached an amicable settlement, we will respond to the complaint.Respectfully submitted,Sean M***, Compliance Officer

RE: *** *** ID
#*** Dear
*** ***, This
is in response to the above-referenced complaint, which was submitted on 1/27/
and assigned ID #***. Daniel
D***, our Collections Manager, reached
out to the customer to inform him that we would be working to resolve his
issue*** *** stated he originally informed Helm Associates that his credit
file had not been updated, since 1/2015. We
instructed him to file a dispute with ***, since our files appeared to
be accurateAfter the customer filed said dispute, he was informed by both
*** and Helm Associates that his issue was rectifiedOur records show a
credit dispute was filed and responded toSubsequently, *** *** obtained a
copy of his credit file and noticed that his tradeline was removed entirelyThe
customer acknowledged that he felt *** made the mistake, but simply
wanted help in resolving the situationMrD*** informed him that we would
get to the bottom of it, while keeping him posted during the resolution
process. The customer was very grateful
for the prompt response. Helm
Associates contacted *** to determine both the cause of the issue and a viable
solution. They informed us that the
credit dispute filed by *** *** was not responded to within the prescribed timeframe,
which resulted in his tradeline being removed.
Our records indicate, however, the dispute was answered in a timely
mannerWe responded on 6/18/(see attached *** Consumer Dispute Verification)The FCRA response due date was 6/23/2015. The only way to resolve the issue, at this point, is to file a petition
to reinstate his credit, which we did on Thursday, 1/28/We were advised
that the process would take approximately 4-business days, once the petition is received.
*** ***, we pride ourselves on working with the customer to resolve any issue
brought to our attention, and make every effort to fulfill all reasonable
requestsIf I could be of any further assistance, please do not hesitate to
contact me. Respectfully
submitted,Sean M***, Compliance Officer

*** ** ***ID #***Dear *** ***,I wanted to provide you with a summary of my findings*** *** indicated in his complaint that he had the following issues:Purchase PriceCost of InsuranceWas informed could trade after year of paymentsHis credit not improvingCredit reporting
quarterlyCar was cut off - starter interruptUnable to reach anyone in chargeI made several attempts to reach the customer and did not receive a return call I was able to speak with him on Friday 3/after he had called in to discuss his payment with his account manager *** *** informed me that he did not feel anything could be resolved over the phone I suggested he come in to the office so we can sit down and address any concerns he has The customer stated he was in SC at the time and was unable to I suggested he contact me when he is back in town and has an opportunity to discuss his concerns.Unfortunately, this complaint remains unresolved, at this timeI will update, if and when, I have further information. Sincerely,Dan D***, Finance DirectorHelm Associatesp: ###-###-####f: ###-###-####

November 23, 2015To Whom It May Concern,My office recently received a credit dispute dated 11/6/Below if the consumer information:Name: *** * *** Address: *** *** **Philadelphia, Pa *** Account Number: *** Last SSN: *** Date Opened: 2/1/Current Balance:
$6,798Please remove this trade line from *** ***'s credit fileIf you have any questions or require additional information, please contact me directly.Regards,Dan D. Collections Manager