Helm Associates Incorporated

RE: *** ** *** ID #*** 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***, our Finance Director, and I unsuccessfully attempted to contact *** *** to resolve her issues. *** *** purchased a *** *** from * * * *** on 3/19/2014,
and financed the vehicle through Helm AssociatesSince her complaint
referenced constant recalls, we contacted *** *** to confirm if any recalls
were associated with her vehicle, since the purchase dateThey confirmed one
(1) recall in August Based on *** *** records, *** *** 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 * * * *** records, *** *** did not have
an extensive service history with themHer last service appointment was
4/29/2014. *** *** 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*** *** agreed to the arrangement, but, unfortunately, did
not finalize the agreementWhen contacted a week later, *** *** 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 us. Respectfully
submitted,Sean
M***, Compliance DirectorHelm
Associates

RE: *** *** ID #*** Dear *** ***, This
is in response to the above-referenced complaint, which was submitted on October 21, at 1:40:pm, and assigned an ID of ***.After
a thorough investigation, our records indicate that the last direct contact
with
*** *** 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 *** *** the opportunity to retain her
vehicle by making partial paymentsThis short-term solution would have allowed
the customer adequate time to seek employmentHowever, *** ***’s medical condition
prevented her from working, and therefore from making paymenWhen
the customer purchased the vehicle from * * * *** of Fairless Hills,
it was under a 30-month or 30,mile warrantyAfter reviewing the dealership’s
service records, it appears *** *** 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 *** *** to utilize
her warranty, as to not incur any repair expense, except for her deductible.Helm
Associates is sympathetic to *** ***’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 *** is our
only credit reporting agencyAdditionally, *** *** 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: *** *** 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

I was able to reach out to the *** *** and discuss her complaint Prior to reaching out to her, I reviewed her account and noticed there were numerous accommodations extended to *** *** These included several payment deferments, payment extensions, in addition to
impound recovery assistance when her vehicle was impounded We make every effort to assist our customer's during times of hardship and our records appear this to be accurate in *** *** case as well We also discussed the starter interrupt device that is installed in her vehicle The statement made in her complaint is inaccurate Disabling the vehicle through this device will only impact the vehicle's ability to start and can in no way stop the vehicle from operating while in use I explained this to MsTilghman and encouraged her to have her vehicle serviced if she is experiencing any service issues with her vehicle She indicated she has since spoken with several employees here at *** *** and that her complaint was resolved prior to my call. Dan D***
*** ***

RE: ID #***
***
*** Dear
***, This will acknowledge receipt of the
above-referenced complaint, which was submitted on 7/20/at 1:08:am, and
was assigned an ID of *** ***, our Collections Manager, spoke with *** *** on 7/21/According
to ***, the customer has a very good payment historyShe only requested
an additional day to make a payment a few times*** made an arrangement to make
her 7/payment on 7/by pmWhen the arrangement was not honored, an
attempt was made to reach out and discuss the situation on 7/Unfortunately, no contact was made and the vehicle was subsequently shut off for non-payment
of a broken arrangementAdditionally, there is no record of an extension until
Monday, as described in the complaintThere is nothing indicating that Helm
Associates took an unauthorized paymentThere is a note on the account,
however, to obtain authorization from a third party, before running a card on
file ***, we pride ourselves on working
with the customer to resolve any issue brought to our attention, and we make
every effort to fulfill all reasonable requestsIf I could be of further
assistance, please do not hesitate to contact me. Respectfully
submitted,*** ***, Compliance OfficerHelm
AssociatesOffice:
###-###-####Fax:
###-###-####Email: ***

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

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: Revdex.com COMPLAINT ID *** ***,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 *** 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***, Finance DirectorHelm AssociatesOffice: ###-###-####Direct: ###-###-####Fax: ###-###-####Email: ***@helmautoloans.com

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

I was able to reach out to the *** *** and discuss her complaint Prior to reaching out to her, I reviewed her account and noticed there were numerous accommodations extended to *** *** These included several payment deferments, payment extensions, in addition to
impound recovery assistance when her vehicle was impounded We make every effort to assist our customer's during times of hardship and our records appear this to be accurate in *** *** case as well We also discussed the starter interrupt device that is installed in her vehicle The statement made in her complaint is inaccurate Disabling the vehicle through this device will only impact the vehicle's ability to start and can in no way stop the vehicle from operating while in use I explained this to MsTilghman and encouraged her to have her vehicle serviced if she is experiencing any service issues with her vehicle She indicated she has since spoken with several employees here at *** *** and that her complaint was resolved prior to my call. Dan D***
*** ***

[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: ###-###-####

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[redacted], 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?

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 required MrD[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[redacted], Compliance Officer

RE: [redacted]
class="Apple-tab-span" "white-space:pre"> 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 us. Respectfully
submitted,Sean
M[redacted], Compliance DirectorHelm
Associates

RE: [redacted]
"text-indent: 0.5in;"> 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 recommendationHelm
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 paymen
When
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 deductibleHelm
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 AssociatesWe
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 meRespectfully submitted,
Sean M[redacted], Compliance Director

RE:   [redacted] ID #[redacted] Dear [redacted], This
is in response to the above-referenced complaint, which was submitted on October 21, 2015 at 1:40:18 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 vehicle. The 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 circumstances. We offered [redacted] the opportunity to retain her
vehicle by making partial payments. This short-term solution would have allowed
the customer adequate time to seek employment. However, [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 30,000 mile warranty. After reviewing the dealership’s
service records, it appears [redacted] never used her warranty, nor contacted
the service department to express dissatisfaction. It 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 situation. Even 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 report. Please be advised that [redacted] is our
only credit reporting agency. Additionally, [redacted] has no further financial
obligation to Helm Associates.We
pride ourselves on working with the customer to resolve any issue brought to
our attention. As always, Helm Associates makes every effort to fulfill all
reasonable requests. If I could be of further assistance, please do not
hesitate to contact me.Respectfully submitted,Sean M[redacted], Compliance Director

November 23, 2015To Whom It May Concern,My office recently received a credit dispute dated 11/6/2015. Below if the consumer information:Name: [redacted] Address: [redacted]Philadelphia, Pa [redacted] Account Number: [redacted] Last 4 SSN: [redacted] Date Opened:...

2/1/2014 Current Balance: $6,798Please remove this trade line from [redacted]'s credit file. If you have any questions or require additional information, please contact me directly.Regards,
Dan D. 
Collections Manager

November 23, 2015To Whom It May Concern,My office recently received a credit dispute dated 11/6/2015. Below if the consumer information:Name: [redacted] Address: [redacted]Philadelphia, Pa [redacted] Account Number: [redacted] Last 4 SSN: [redacted] Date Opened: 2/1/2014 Current Balance:...

$6,798Please remove this trade line from [redacted]'s credit file. If you have any questions or require additional information, please contact me directly.Regards,Dan D. Collections Manager

RE:     [redacted]            ID #[redacted] Dear
[redacted], This
is in response to the above-referenced complaint, which was submitted on 1/27/2016
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 1/2015.  We
instructed him to file a dispute with [redacted], since our files appeared to
be accurate. After the customer filed said dispute, he was informed by both
[redacted] and Helm Associates that his issue was rectified. Our records show a
credit dispute was filed and responded to. Subsequently, [redacted] obtained a
copy of his credit file and noticed that his tradeline was removed entirely. The
customer acknowledged that he felt [redacted] made the mistake, but simply
wanted help in resolving the situation. Mr. D[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 response. Helm
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
manner. We responded on 6/18/2015 (see attached [redacted] 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, 1/28/2016. We were advised
that the process would take approximately 4-7 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
requests. If I could be of any further assistance, please do not hesitate to
contact me. Respectfully
submitted,Sean M[redacted], Compliance Officer

RE: [redacted]. [redacted] ID #[redacted]Dear Ms. [redacted],This is in response to the Revdex.com complaint, which was submitted on 7/21/2015 at 10:47:30 am, and assigned an ID of [redacted].Before Helm Associates will consider granting the customer's desired relief, ** * Automotive has to...

evaluate the vehicle. Please urge Ms. [redacted] to contact their service department, at her earliest convenience.Respectfully submitted, Sean M[redacted], Compliance OfficerHelm Associates