Helm Associates Incorporated

RE: [redacted]. [redacted] ID #[redacted]

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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 Officer
Helm Associates

Dear Ms. [redacted], 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. [redacted], if I could be of further assistance, please do not hesitate to contact me.
Respectfully submitted,Sean M[redacted], Compliance Officer

Initially, I had no issue with Helm Associates. People may complain about the fees, but hey, it's for not-so-great credit! So, you get what you get. I have had not an issue in the world with them until recently. I traded in one car for another. A week later, Helm accidentally withdrew $450 out of my account, causing a huge overdraft to occur. I was charged overdraft fees. Initially, though I was incredibly upset, it was alleviated to some point by the kind and courteous representatives I spoke with. Fast forward two weeks later and there is an issue with them refunding my fees because the Finance Manager Mike M[redacted] was somehow unable to understand a simple bank statement which clearly stated that two overdraft fees had been withdrawn from my account. How he can manage finance and not understand a bank statement is flabbergasting! In any event, Mr. [redacted] was rude, abrasive, unprofessional, and above all WRONG! He yelled at me, argued me down and talked over me as if I were an it and he was flat wrong! Based on this cretin alone, I will NEVER do business with Helm again. I asked to speak with his manager and was told that his manager was the owner who “speaks to no one”. That being the case, I will be sure to leave reviews wherever I can to ensure this does not happen to another soul. And I will ensure that I spread the word about this company to my friends and family as well. We all make mistakes and I could have forgiven Helm for this blatant mistake if not for this disrespectful person.

March 15, 2016
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 customer. My office recently received a consumer complaint from the Better Business...

Bureau indicating the credit file for [redacted] was removed. Below is the information requested in order to facilitate this petition:Name: [redacted] Account Number: [redacted] SSN: [redacted] Date Opened: 1/10/2015 High Credit: $11,739 Current Balance: $0 Last Payment Made: 1/5/2016 Payoff Date: 1/5/2016 Subscriber Code: [redacted]If any additional information is required, please feel free to contact me directly.

[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 organization. Thank you for taking the time to express your concerns and for allowing me the opportunity to investigate and resolve your complaint. I was able to obtain...

a copy of the mutual release agreement from the selling dealer. As discussed, we have contacted [redacted] and have removed this trade line from your credit file. Please accept this response as confirmation of this resolution. If 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:      ID #[redacted]             [redacted] Dear [redacted], Daniel D[redacted], our Collections Manager, was able to contact [redacted] to discuss her complaint. To 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 term. The customer acknowledged receiving the loan documents, but said she did not read them; only signed where required. Mr. D[redacted] explained the Federal Truth in Lending portion on the front of the contract, which outlines the financed amount, term, finance charges, etc. He informed [redacted] that he did not see anything misrepresented in the documents that were signed. The customer informed Mr. D[redacted] that she recently changed employers, and now has a new pay structure. As a result, he offered to modify her loan to change the repayment schedule. Mr. D[redacted] added that he could not adjust the financed amount, however. [redacted] declined the offer, saying she retained an attorney. Mr. D[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 me. Respectfully submitted, Sean M[redacted], Compliance Officer