Hi West Auto Sales, Inc.

December 15, 2015Revdex.comNLocke Ave.Farmington, New Mexico 87401Re: Complaint ID: *** Complainant: *** *** To Whom It May Concern: I am in receipt of your e-mail dated December 2, Please be advised that my firm represents Hiwest Auto Sales, Inc("Hiwest")
Please know that Hiwest appreciates this opportunity to address the concerns of Ms*** and takes every concern seriouslyThe facts surrounding this transaction are as followsThe purchaser of the vehicle from Hiwest was *** ***Ms*** failed to timely make two consecutive monthly payments for the vehicle and, as a result, the vehicle was repossessed in Albuquerque by a company by the name of *** ***The recovery fee charged by *** *** was $This fee was collected by *** *** and Hiwest did not separately charge Ms*** for this feeThe total charge for the two missed monthly payments by Ms*** amounts to $If a customer desires the convenience of paying via debit or credit card, then Hiwest is charged a flat fee of four percent (4%) by the credit/debit card processing companyThis is true regardless of whether the method of payment is credit or debitIf a customer elects to pay via debit or credit card, then Hiwest passes along the four percent (4%) charge to the customer for selecting this method of paymentHiwest is also required to pay gross receipts taxes to the State of New Mexico on the four percent (4%) collected for the credit/debit processing feeHiwest currently pays gross receipts taxes at the rate of 7.1875%In this case, Ms*** elected to pay the two missed monthly payments, totaling $846.00, via debit cardAs a result, she was charged four percent (4%) of $846.00, which amounts to $The gross receipts tax that Hiwest is required to pay on the $amounts to $Because Hiwest must also pay gross receipts taxes on the $33.84, rather than charge the additional amount of $to the customer, it is Hiwest's practice to simply round up to the nearest dollar on the credit/debit card processing feeThus, in this case, Ms*** was charged $for using her debit card to pay for the two missed monthly paymentsIt is important to note that Hiwest actually loses money on these types of transactions, as it does not pass onto its customers the full amount of the gross receipts tax paid on the credit/debit card processing feeAs such, in this case, Hiwest actually lost $as a result of Ms*** electing to pay via debit cardNevertheless, despite losing money when customers elect to pay via credit or debit card, Hiwest is willing to accept such methods of payment as a matter of convenience for its customersIn no way have the actions of Hiwest been illegal or unethicalTo the contrary, Hiwest offered a payment option for the convenience of Ms*** and Ms***'s elected method of payment actually resulted in a loss of $to HiwestAccordingly, Hiwest respectfully requests that the Revdex.com find that Hiwest has acted appropriately and honestly with regard to Ms***Thank you for your attention to this matterPlease let me know if you need any additional information or if I can be of any further assistance to you in investigating this matterSincerely, ** *** ***