King Financial Advisors

Date: 12/23/To: Revdex.com In response to complaint ID# [redacted] , here is what happenedCustomer purchased a car (See Exhibit A) on 11/16/with two balloon payment toward total down payment of $to be paid as follows: $at time of sale, $due 11/28/and $due 12/15/ First two payments were paid as agreed, on the final down payment of $1995, prior to due date of 12/15/customer called and requested due to Christmas holidays if we could take three payments of $to be paid as follows $due 12/15/15, $due 12/30/and $due 1/15/To make the customer happy and due to Christmas holidays we agreedCustomer called on 12/15/and spoke to [redacted] Office Manager and stated that the owner of dealership has agreed to $payments every week until the down payment of $is paid in fullHowever customer had never spoken to the owner and this agreement was never madeWe called the customer and told the customer that we have a written authorization from customer to charge customer’s credit card for the amount of $for three installmentsCustomer went crazy over the phone and used profanityI asked the customer to speak to the owner to resolve this matterCustomer spoke to the owner [redacted] and the owner told customer that he had never talked to the customer before, he had never agreed to accept $paymentsCustomer used profanity with [redacted] and stated that she and her husband will be at the dealership and some heads will rollFew days later husband and wife came to the dealership, spoke to [redacted] GM and started using profanity and the husband kept challenging the GM to a fist fight out in the parking lotOur lbs GM refused to go outside, tried to keep the customer calm but customer would not stop and wanted to get physicalGM called the police then customer realizing police is coming they leftThroughout this time, customer was debating to cancel the extended warranty with the cost of $under the impression that by cancelling the warranty they will no longer owe $But customer never gave a signed written notice which is required to cancel the extended warrantyWe also explained to the customer, even if they cancel the warranty the refund of $will go to [redacted] that provided the financing and their loan amount will be reduced by $and their regular monthly payments will remain the same and they still owe us $balloon paymentCustomer believes this method is double charging (any time there is a lienholder any and all refunds will be paid to the lienholder and that amount will reduce amount owed to the bankThis is not double charge)A Few days later, customer called me ( [redacted] the owner), I immediately told them any profanity I will end the phone callI told the customer as you are fully aware I never spoke to you to approve $payment until $is paid in full that we made an exception rather than collecting this on 12/15/to break it up over a month and half at three $per paymentI also explained to them if they wish to cancel the warranty they would have to put in writing and [redacted] will get the refund and the loan amount will be reduced accordinglyCustomer started using profanity and as promised I ended the phone callPrior to this phone, customer had made threats that if we don’t accept a new payment schedule of $every two weeks, then customer would leave real negative comments on [redacted] and Revdex.com (See Exhibit B [redacted] comments)Customer made good on their promiseAfter the phone conversation was ended by [redacted] , customer contacted [redacted] and sent an email to dealership (Please see Exhibit C)Email was answered (Please see Exhibit D)Customer sent the final email (Please see Exhibit E)Here is the truthCustomer owed $for down payment due 12/15/Rock Auto made an exception allowed the customer to pay three payments of $over a month and half past due date [redacted] never spoke to customer and never approved another new arrangement of $every weeks until $is paid in fullCustomer has used [redacted] and Revdex.com as a negotiating tool to force the dealership to accept the new arrangementCustomer instantly loses temper and uses every profanity words in the dictionary on each contact with the dealershipCustomer is not very familiar with accounting and does not realize by refunding the extended warranty refund to [redacted] and [redacted] will reduce the loan amount equally is not double payingCustomer needs to call any big dealership such as Mossy auto Group, CarMax so they can explain the refund will go to lienholder etc(If customer had paid in cash with no financing all refunds would have gone to customer) Customer has misrepresented the truth to [redacted] and Revdex.com to force Rock Auto to accept a new proposalCustomer does not want to cancel the extended warranty anyway (See their email)We try very hard to accommodate all customers, many times we bend the rule and do what customer asks usAS we did for this customer by not demanding $by 12/15/and instead break it to three payments of $Customer is not welcome to our dealership due to their temper (See Exhibit E) even customer admits that they lose their temperWe are in process of filing a lawsuit against this customer and 100% confident any judge after reviewing the binding contract will award a substantial judgement against the contract If you have any questions please feel free to call me [redacted] [redacted] President

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Complaint ID: [redacted] Issued resolved by DMV Investigator-Chula Vista office

To Whom It May Concern,Customer bought a car and the car broke down and we took the car back with no questions asked and with no charge. She found another car and this time her bank did not approve her. This time we unwound the deal for the second car with no charge. We gave her back $14,000 check... for the first car plus the $500 down payment back to her bank account the she provided us. Customer was happy at the end.Please do no hesitate to contact me on my cell: ###-###-#### if you have any questions.Regards, [redacted]

My name is [redacted], owner of Rock Auto Group, Inc. I was conducting an auto sale at Qualcom  Stadium on the weekend of January 16 thru 19. One of my salespersons brought me an offer from this customer at $8975 plus tax and license on a Mercedes Benz. It is very customary for customers...

wanting to negotiate over the price. I told the salesman offer was too low that the  internet advertised price was $10975 plus government fees, that we seldom discount $2000 on an internet already reduced advertised price. But I will consider selling it for $9975 plus government fees. Customer stated the Blue Book is only $8700 and their offer of $8975 is reasonable,and I should accept it. At this point I personally spoke to the customer and explained to them that I am aware of Blue Book value but my  2005 Mercedes only has 59000 miles, and very clean , and the Blue Book is not the only determining factor on a value of this vehicle. I even offered to sell it as low as  $9500 plus tax and license IF AND ONLY IF CUSTOMER WAS TO BUY IT RIGHT NOW . Customer decided not to accept my counter offer and left. Two days later customer returned and OFFERED $8975 PLUS FEES , but I did not accept their offer and customer was upset about the value of my car. I politely told the customer I cannot lower prices to meet every customer budget and I will gladly show them other vehicles that would  fit their budget. The paperwork that customer is refereeing to is standard Four Square Offer that the sale people use to write the customer offer, as a dealer I will consider any and all offers and some I will accept, some I will counter offer.It always takes a buyer and seller to come to a mutual agreement prior to the final sale. In this case we were not able to make a deal on the particular car for this particular customer. Customer has shown no valid document to support their claim.Please feel free to contact me if you have any questions.

We sold the car As-Is with no warranty. However we fixed the car at no charge to customer, but customer didn't want the car anymore. I decided to take the car back and gave customer all his money back. No out of pocket to customer.

To Whom It May Concern,Customer bought a car and the car broke down and we took the car back with no questions asked and with no charge. She found another car and this time her bank did not approve her. This time we unwound the deal for the second car with no charge. We gave her back $14,000 check...

for the first car plus the $500 down payment back to her bank account the she provided us. Customer was happy at the end.Please do no hesitate to contact me on my cell: ###-###-#### if you have any questions.Regards,[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint...

resolved.
Complaint ID:   [redacted]Issued resolved by DMV Investigator-Chula Vista office

Date: 12/23/15 To: Revdex.com   In response to complaint ID# [redacted], here is what happened. Customer purchased a car (See Exhibit A) on 11/16/2015 with two balloon payment toward total down payment of $3995 to be paid as follows: $500 at time of sale, $1500 due 11/28/15 and $1995 due 12/15/15....

First two payments were paid as agreed, on the final down payment of $1995, prior to due date of 12/15/15 customer called and requested due to Christmas holidays if we could take three payments of $665 to be paid as follows $665 due 12/15/15, $665 due 12/30/15 and $665 due 1/15/16. To make the customer happy and due to Christmas holidays we agreed. Customer called on 12/15/15 and spoke to [redacted] Office Manager and stated that the owner of dealership has agreed to $135 payments every week until the down payment of $1995 is paid in full. However customer had never spoken to the owner and this agreement was never made. We called the customer and told the customer that we have a written authorization from customer to charge customer’s credit card for the amount of $665 for three installments. Customer went crazy over the phone and used profanity. I asked the customer to speak to the owner to resolve this matter. Customer spoke to the owner [redacted] and the owner told customer that he had never talked to the customer before, he had never agreed to accept $135 payments. Customer used profanity with [redacted] and stated that she and her husband will be at the dealership and some heads will roll. Few days later husband and wife came to the dealership, spoke to [redacted] GM and started using profanity and the husband kept challenging the GM to a fist fight out in the parking lot. Our 225 lbs GM refused to go outside, tried to keep the customer calm but customer would not stop and wanted to get physical. GM called the police then customer realizing police is coming they left. Throughout this time, customer was debating to cancel the extended warranty with the cost of $1995 under the impression that by cancelling the warranty they will no longer owe $1995. But customer never gave a signed written notice which is required to cancel the extended warranty. We also explained to the customer, even if they cancel the warranty the refund of $1995 will go to [redacted] that provided the financing and their loan amount will be reduced by $1995 and their regular monthly payments will remain the same and  they still owe us $1995 balloon payment. Customer believes this method is double charging (any time there is a lienholder any and all refunds will be paid to the lienholder and that amount will reduce amount owed to the bank. This is not double charge). A Few days later, customer called me ([redacted] the owner), I immediately told them any profanity I will end the phone call. I told the customer as you are fully aware I never spoke to you to approve $135 payment until $1995 is paid in full that we made an exception rather than collecting this on 12/15/15 to break it up over a month and half at three $665 per payment. I also explained to them if they wish to cancel the warranty they would have to put in writing and [redacted] will get the refund and the loan amount will be reduced accordingly. Customer started using profanity and as promised I ended the phone call. Prior to this phone, customer had made threats that if we don’t accept a new payment schedule of $135 every two weeks, then customer would leave real negative comments on [redacted] and Revdex.com (See Exhibit B [redacted] comments). Customer made good on their promise. After the phone conversation was ended by [redacted], customer contacted [redacted] and sent an email to dealership (Please see Exhibit C). Email was answered (Please see Exhibit D). Customer sent the final email (Please see Exhibit E). Here is the truth. Customer owed $1995 for down payment due 12/15/15. Rock Auto made an exception allowed the customer to pay three payments of $665 over a month and half past due date. [redacted] never spoke to customer and never approved another new arrangement of $135 every weeks until $1995 is paid in full. Customer has used [redacted] and Revdex.com as a negotiating tool to force the dealership to accept the new arrangement. Customer instantly loses temper and uses every profanity words in the dictionary on each contact with the dealership. Customer is not very familiar with accounting and does not realize by refunding the extended warranty refund to [redacted] and [redacted] will reduce the loan amount equally is not double paying. Customer needs to call any big dealership such as Mossy auto Group, CarMax so they can explain the refund will go to lienholder etc. (If customer had paid in cash with no financing all refunds would have gone to customer) Customer has misrepresented the truth to [redacted] and Revdex.com to force Rock Auto to accept a new proposal. Customer does not want to cancel the extended warranty anyway (See their email). We try very hard to accommodate all customers, many times we bend the rule and do what customer asks us. AS we did for this customer by not demanding $1995 by 12/15/15 and instead break it to three payments of $665. Customer is not welcome to our dealership due to their temper (See Exhibit E) even customer admits that they lose their temper. We are in process of filing a lawsuit against this customer and 100% confident any judge after reviewing the binding contract will award a substantial judgement against the contract.   If you have any questions please feel free to call me [redacted]. [redacted] President