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Jamie's Auto Dismantling Inc.

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Reviews Jamie's Auto Dismantling Inc.

Jamie's Auto Dismantling Inc. Reviews (2)

Ms. [redacted]-
 
First, I want to apologize for the lack of response you’ve received from Encompass regarding your account here.  I just this morning received a letter from the Revdex.com regarding your complaint, which is the first I have been aware of this situation.  I...

will address the communication issues that have prevented your dispute from being addressed in a timely manner.
 
Upon reviewing your complaint and account, you did in fact have a remaining balance of $284.48 as of 5/31/15 that was reported to the credit bureaus.  Your $300 payment applied 5/28/15 was for April and a partial amount of May’s payments, meaning you were seriously delinquent at the time the payments were received and posted.  The account was paid in full 6/15/15, which was reported to the credit bureaus 6/30/15, and I have verified through the credit reporting file we send to the bureaus that the account has been reported as “Paid in Full – Closed”.  Over the life of this 36 month loan, you were assessed late fees 25 times, including being over 30 days delinquent 6 times, and over 60 days delinquent in May.
 
In my experience, there can be a delay between our furnishing of data to the credit bureaus to their updating actual consumer credit files.  I have been told it can take up to 90 days by our TransUnion representative in the past.  As I said, I have verified the most recent data that has been reported to the credit bureau agencies that shows your account as paid in full and closed.  If you have any further questions, please do not hesitate to contact me. 
Matthew [redacted]
Chief Executive Officer

Due to a data processing change in 2015, the steps in correcting the data reported the credit bureaus were not fully known, resulting in a miscoding of these 2 disputed loans. The data has been fully updated, and is being submitted today (4/22/16) to the credit bureaus to accurately reflect the...

status (Loan 5 - Paid in Full/Was Charged Off, and Loan 6 - Settled for Less than Full Balance). The vehicle title will be released and mailed to the consumer today as well.Contact me with any further questions. Matt L[redacted]CEO, Encompass Credit Union

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Address: 2438 S West Ave, Fresno, New York, United States, 93706-3941

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